BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-24
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We have continues billing issues with Chrysler Capital since we opened the loan with them. But now the vehicle has been involved in an accident and considered a total loss. The insurance company XXXX XXXX XXXX has been paid off the loan amount at or around XX/XX/2020 and our online account with Chrysler Capital has been closed too. 
Due to the slow processing speed of Chrysler Capital on the insurance pay-off check which delayed the closure of the account, another automatic monthly payment of {$550.00} XXXX has been made to Chrysler Capital on top of the total payoff check from XXXX XXXX, meaning that Chrysler Capital owns us {$550.00} USD. 
We have requested Chrysler Capital multiple times to reimburse the {$550.00} USD but they have not responded to that request and they have shown a very non-cooperative attitude in this matter. 
Surprisingly, we also just received, without any previous notification, a " Notice of Intent to Accelerate and Requirement of Strict Compliance '' letter dated XX/XX/2020. This letter states that Chrysler Capital accuses us of being in default of our contract and due to pay {$1100.00} before XX/XX/2020. Not paying will result in repossession of the vehicle and acceleration of the outstanding dept plus all accrued interest and other charges lawfully owing. The language is, as always with Chrysler Capital, very aggressive. 
Nevertheless, the vehicle is already paid off and owned by the insurance company XXXX, who posses the title send to them by Chrysler Capital, and it is Chrysler Capital that owns us an {$550.00} XXXX overpay which they refuse to credit. 
Several attempts to establish a normal and civilized communication to resolve this issue with Chrysler Capital have failed due to the incredibly incompetent and rude service representatives. They refuse to educate themselves in our case and simply threaten with sanctions. They also refuse to give us proper contact information to send statements to them so they can review the payments and conclude that Chrysler Capital is in default. Even the online statement indicates an overpayment although it shows an {$500.00} XXXX overpay which does not reflect the correct amount of {$550.00} XXXX that we paid. 
Requests to speak to a supervisor or XXXX have been answered by simply disconnecting the call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unknown and unauthorized credit inquiries are showing on my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have owned my property for 30 years. Upon my husbands death I had to file bankrupty once it was discharged the mortgage company refused to report it to the credit bureau stating it was bankrupty policy not to report accounts even though they had been discharged and have been in good standing for years. 

I tried calling and was told even though this was 15 years ago it was their policy and there was no remedy for this. 
I called the credit bureaus and was directed back to the company which refused to help. 
The mortgage company is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Fl. 
XXXX XXXX XXXX. XXXX no is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-28
Company: CURO Intermediate Holdings
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
When I signed on with Speedy Cash, I was in the throes of my XXXX  to XXXX. I had trouble paying it off because I 7 other payday loans out there. I never received my loss suit papers because I was in jail for 145 days. Two weeks ago I got a garnishment order from my employer. I don't think this right for them to garnish {$250.00} out of every paycheck. Or is it? This loan was taken out in XXXX of 2018 and they never sent me one bill reminding me of my obligations to them. I need that money to live on because I am on a fixed income due XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX submitting this CFPB Complaint to follow up the previous Complaint I submitted last XX/XX/XXXX, as well as the Dispute letters I sent on XX/XX/XXXX. I believe that the Credit Reporting Agencies are not actually doing their job XXXX have became negligent of the Federal Regulation. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that the consumer identifies as an item resulting from the Identity Theft. I am requesting to the Credit Reporting agencies to please remove the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once again, if the Credit Bureaus would claim that the disputed items are verified and belongs to me, I need the Credit Bureaus to send me copies of proof of verification, proof of ownership, or any documents bearing my signature to support the Credit Bureaus claims. Failure to present me documents I seek must result in immediate removal of the items in dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: Orions Management Group, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This debt collection agency has engaged in practices that are explicitly prohibited by the FDCPA, which include abusive, deceptive, and unfair actions. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. Additionally, the " date last active '' is different from what another credit bureau is reporting, despite the requirement for all information to be comprehensive and accurate. I also have uncertainties regarding whether I ever held an account with the original creditor. Notably, I received no correspondence notifying me that this account was sold to ORIONS MANAGEMENT GROU, constituting another violation. It's important to note that my personal information was compromised in a data breach, information that your company, along with the credit bureaus, would have been aware of had an investigation been conducted. Furthermore, I received no communication by mail leading up to the reporting of this collection account. This account was added to my records in XX/XX/2023. Consequently, I am formally requesting a copy of the correspondence that was supposedly mailed to me during that time, informing me of this debt with your company. Failure to provide this documentation would constitute yet another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. If this account is not removed within 30 days, I will have no choice but to involve my legal attorney to address this matter through small claims court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following U S DEPT OF EDXXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern There are a few accounts that are on my credit report that should not be there. The credit bureau stated that they did an investigation and the information was Verified. I sent them additional letter a few weeks ago requesting verification information ; such as the person who verified the information, their position with the company and the date and the phone number so I can follow up with said person who verified it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax is a ridiculous company. They wouldn't let me have my own credit report. I tried everything- calling, online, sent them copies of SS and DL. They are simply hijackers with our own information. How this is legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was denied a relocation assistance without ever being notified despite numerous phone calls. I went through the home modification program twice. I told them I wanted to do a short sale after all of this. Nationstar provided me with a realtor who worked for them. I got railroaded the whole way through. Now I 'm out of {$3000.00} and no home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Opened a Walmart credit card through XXXX  XXXX. Advertised {$25.00} statement credit after first purchase. I used card on for three billing cycles and never received credit despite calling after each statement was received and credit wasn't applied. After calling last night the newest ploy is that Capital One now has the card and XXXX XXXX  claims they no longer have access. I want my {$25.00} that was offered and agreed upon when I opened and used the credit card. They also should be compensating me for having to make numerous frustrating calls wasting my time and energy trying to get what they have failed to provide. They have breached a contract and owe me {$25.00} Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: LCO Financial Services, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On Monday XX/XX/XXXX I called BlueTrust loans to " Revoke my ACH ''. I'm in the process of switching banks and alerted them about this. I received a verbal confirmation that ACH has indeed been revoked and my payment scheduled for XX/XX/XXXX would be put on hold. XX/XX/XXXX came and they still took the ACH even though I received confirmation on XX/XX/XXXX that this payment HAS been put on hold. Now, I overdrafted my bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I tried to withdrawal money out of my Venmo account to use for rent about 4-5 days before it was due and I saw both instant/non-instant transfer options were giving me an error message. Weird, because I've had the same bank account attached to my Venmo for the entirety of the 3 years I've had the account. I got an email from Venmo the next day saying " your account has been frozen '' and they asked me to re-verify my ID. I've been a Venmo user for 3 years and I've never been asked to re-verify my ID before. I've never even had a negative account balance once. I'm a great customer. I did what they asked then I received an email about a week later saying my account is XXXX permanently, I can't withdraw my account balance for 180 days, and THEY WON'T TELL ME WHY. I have over a grand stored in my Venmo account balance that they won't let me touch. My rent money. Guess who was late on rent because of that? Me. Guess who had to pay late fees? Me. It's been over a month now and my money is just sitting in my account still. This is utterly insane. How is it legal for them to hold my money against my will? The platform wouldn't let me withdraw. Then they look into my account and disable it without telling me why. And my funds are just stuck in there? Why? I will not stop until I have rightful access to MY funds. Also making sure all Venmo users knows their money isn't safe in either of your platforms. You'll be hearing A LOT more from me. Venmo solely and with XXXX knows what motive created financial problems that greatly affected my life for multiple weeks straight by holding my money captive in their platform. There are thousands of other people that are in the same situation as me : check posts on their reddit page ( that's literally all that's on it, just people talking about how their accounts are frozen and they also can't access their funds for 180 days ). It's even been covered by several news stations and Venmo declined to comment on the issue. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX  : XXXX Please review the attached document about mileage at vehicle turn in. Compare the signature to my signature sample and you will see as any judge or court would see, the signature is NOT mine. Also note the signature on the Lessors line. It does not match the name of the Lessor. This document is fraudulent! I never signed this document and even turned the vehicle earlier than the date they have on the document It was not me who signed this document, the other signature is fraudulent as well. I am not playing any games or lying. This is seriously NOT my signature and NOT my document. This document is NOT legally binding and therefore you must delete the inaccurate info you keep reporting to the credit reporting companies. 

XXXX Bank, This tactic you are using is against FDCPA and is deliberate. You all are violating my rights and fraudulent methods you are using can not be used.

Credit Reporting Company. You now know the claims of XXXX Bank are false and they keep sending you verified reports. FCRA requires you to delete these records from my credit report since this data furnisher is fraudulent and not able to provide accurate reporting. They are clearly an abusive predatory lender attacking my credit report to extort money from me that they are not entitled to. Please stop showing bias and favor to what you get back in XXXX from the data furnisher. You are supposed to investigate not just publish what they say! Its a dispute and you are supposed to perform proper investigation considering the fact that the information they provide can be inaccurate thats how you ensure maximum accuracy. This document that they are providing you is proven false and I have made a police report about it! Please delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am unsure as to which company this is but they left a detailed voice mail to a relative on XXXX at XXXXXXXX XXXX with court documents and court information and asked to be called back at XXXX claim # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
So I currently purchased credit repair software and I ran my credit report instantly. Upon examining my report I found a few mistakes. Those mistakes being my name being misspelled, my address not being up to date and current employer not being correct as well. Knowing that these credit bureaus are responsible for millions of people inform and also knowing that they have ha habit of making plenty of errors on peoples credit report. I thought that disrupting these error would be the correct move to make.I sent my disrupts out on XX/XX/2022 and I have yet had any help with removing this information. Can you please help me?

Company response to consumer: Closed with explanation