BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-22
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
sometime around XXXX i fell behind on my car loan due to a medical issue that required XXXX well being a veteran the va is not the easiest hospital to deal with so i was out of work for 2 month on and off after 9 trips to the emergency room i finally had XXXX after finally getting released by my doctor to go back to work which was XX/XX/XXXX i had call SANTANDER CONSUMER USA to see if i could get assistance and i was approved well they told me they was sending documents in the mail and i needed to read them over and sign them and return them ASAP well a couple days went by and i started feeling sick and had to go to the emergency room again and found out i got a XXXX from my XXXX and had to be admitted and given XXXX   when i get released from the hospital a couple days later and once home i called santander back and informed them i have not received anything in the mail and they then and only then told me they sent the documents to my email and i had already told them several times " I DO NOT HAVE INTERNET ACCESS and when i got to a computer at the library and signed into my email account and open that email it was expired and this now is around XX/XX/XXXX and i made my XXXX payment and i have called them every week from XX/XX/XXXX until today asking for that assistance and they keep denying me assistance and they told me because of those payment i missed due to my XXXX there is no assistance and there has been nothing that changed but me putting my phone # on the do not call list cause they was calling me while i was at work and they got me fired and because i put my number on the do not call listen i talked to them 2 times last week on tuesday and on thursday come friday not only did they call my mother telling her my personal finiance business about my car loan but they also called my sister and and did the same thing telling her my personal business and telling them they need to get in touch with me for no reason at all well both my mother and my sister work for the XXXX  XXXX and they are not aloud to use there cell phone and after santander called them they both got wrote up for " unlawfull use of a cell phone '' i never gave them or the dealer neither my mother phone or my sisters #! and every time i have called they give me a different reason why they dont have assistance! i honestly 100 % feel like i am being discriminated against and the way i am disrespected on the phone by them i also feel like i am being harassed and the reason i cant get any assistance is purely out of retaliation! they have nothing in black and white or any guid lines on getting assistance and i was told all they do is sit in a room and review my issue and then say yes or no so its based purely on opinion and after being talked down to i told them i was going to file a complaint and the lady on the phone got smart with me and hung up!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was surprised to find out that chase had Close my checking account without warning. I was traveling over XXXX holiday 2020. I received a notice on my Chase mobile app that fraudulent activity had been suspected and for me to contact them. I did contact them and the account was made available once more. Then, two days later I received the same notice. I called customer service immediately and she said that my bank was closed. That Chase was not obligated to tell me why it was closed. They would hold my funds for approximately nine days and then send a paper check of any remaining monies to my home address. Upon returning home to XXXX- I went into my branch and spoke to the assistant manager named XXXX . I told him what had happened and also explained that I had purchased using a app. XXXX. I was just simply curious about it, so I downloaded {$2000.00} into a bitcoin account and was notified by XXXX that that particular app did not work in my region. So I put the money back into my Chase account. Thats approximately when my account was frozen the first time. I didnt put two and two together. 
I then downloaded a different bitcoin app, one recommended by a friend and put my money into it. I simply did it to see what it was all about. Within two days I realize this wasnt for me, and returned my money into my checking account. Those are all legal things to do. 
I dont know if it had anything to do with chases decision to close my account But either way I would like for you to investigate. Now I have my retirement and my XXXX check going into an account That is closed. Both of those institutions will move my Payments until XXXX. This means I have nothing to live on for the month of XXXX. Please help My account with chase is Routing number is XXXX My account number is XXXX My name. XXXX XXXX my phone number is XXXX My address is XXXX XXXX XXXX XXXX. 
XXXX co XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I've had a credit card with Citicards for 15 years and have always made payments on time. 

Recently, I linked my account to another bank account that I ended up having issues with, and a few payments were returned. I always made a payment when I was alerted to this, and the payments were never more than a few days late. 

In XXXX, they called me to tell me a payment had been returned, and I immediately paid two months worth of payments due. I was told my next payment would be due on XX/XX/XXXX. I found out my card was then placed on a 30 day hold due to the returned payments - fine. I spoke to several people on the phone and no one told me it would be an issue in the future. 

Since I didn't have a payment due until XX/XX/XXXX, I didn't think anything of it. Then, on XX/XX/XXXX, they attempted to take a payment from my account through AutoPay ( my experience had been that if your minimum payment was {$0.00}, they wouldn't try to get a payment on the due date ). I called Citi and was told that they did always try to take more payments anyway, but that because of the misunderstanding, they'd refund my {$37.00} fee. I also asked if this would mean another 30 day hold and the customer service rep told me no, my account was fine, and I was welcome to use the card as normal. 

So I was very surprised when a few weeks later, I logged onto my account to find out it had been closed, due to " poor account performance '' aka the returned payments. If I had been warned at any time that my account was at risk, or had gotten TRUE information from the customer service reps, or they had even MENTIONED that a payment would be taken out even when one was made, I would have immediately paid off the whole account so as not to risk my credit score. Now, my 15 year old account is closed and my credit score is in the toilet, all because of some clerical issues with a 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 explanation
Consumer complaint received 2019-03-11
Company: IQOR US INC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls for last month. Every day we get a call from Allied Interstate at XXXX XXXX. If not at that time, we will receive a call at XXXX or XXXX XXXX. No message left. We are debt free. We feel they are looking for someone who had our phone number and is behind in payments. The company should do their homework before the place these annoying calls to innocent people.

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
This alleged debt holder has many violations, as mentioned before. XXXX XXXX XXXX XXXX has removed it, the others still need to. See attached for my recent communication.

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The purpose of this communication is to assert my rights and request immediate action to rectify this situation. I recently discovered the existence of an account that has my personal information and financial details. After conducting a thorough investigation, I can confirm that I did not authorize or open this account. This fraudulent activity has greatly affected my financial standing and poses a significant threat to my personal security. 
XXXX XXXX XXXX XXXX XXXXPLEASE DELETE!!! 
XXXX XXXX XXXX XXXX XXXXXXXX -PLEASE DELETE!!! 
XXXX XXXXLEASE DELETE!!! 
I must stress the urgency of this matter and the need for an aggressive response to address this issue promptly. The fraudulent account in question is causing severe damage to my credit report and has the potential to harm my financial future if left unattended.

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 2023-03-16
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MS
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:
XXXX has listed the same account on my credit with different balances. 
Paid off - Balance {$7100.00} Balance updated XX/XX/XXXX Original balance -Nissan Motors Acceptance Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary PAYMENT HISTORY LEGEND Status Charge-off Status updated XX/XX/XXXX Past due amount {$7100.00} Original balance - Then they have the same account listed with " XXXX '' balance Balance details Paid off - Balance {$0.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan I have disputed this several times and nothing as been done to fix the items

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I have reached out to the credit bureau about several inaccuracies on my credit report. Based on the FCRA these inaccuracies must be validated or removed within 30 days. 

I have not received a deletion nor any documents that I have personally signed to represent anything validate on my credit report.

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 2018-11-17
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Around XX/XX/XXXX due to a credit monitoring service I noticed a fraudulent XXXX XXXX account was opened in my name. I disputed the account with XXXX and the account was removed completely from my credit files. 
Now a company called XXXX XXXX XXXX has placed a collection on my reports claiming the account was assigned by XXXX XXXX. I called XXXX who reported to me that they removed their tradeline due to fraud. I was advised to file a complaint and submit a dispute. 
I have yet to receive proper validation required by the FDCRA or received any correspondence regarding they own the debt and proof that the debt belongs to me. The account was just placed on my reports without any notice. I am 100 percent sure there are no such documents because the account is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-17
Company: Financial Business and Consumer Solutions.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a call from FBCS XXXX stating I owe a debt previously paid. I stated I would not be paying anything over the phone and require a mailed bill at the address I verified. They refused stating I have ignored previous statements. I have never received any statements. Gentleman started threatening and I hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Experian Information Solutions Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
I was behind on payments I spoke to XXXX XXXX and asked them if we can do a payment plan till I could catch up They put me on a program and they set up auto withdrawls for the payments so it would not be late, They have taken the payments on the XXXX of both Months XXXX and XXXX and still reported us late to the credit bureau. I have called numerous times and they all say no we didnt report you late and when they stay on the phone longer they - we dont know why this happened - write a letter - that is the only way to fix it. 
I wrote a letter and send it and they have not fixed the problem I have asked them for a letter to show that the payments were made on time they tell me they cant do that and will not help me.

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 2021-08-27
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2021, I submitted a complaint to the CFPB because I requested Experian to remove the dispute status that appears on the XXXX XXXX tradeline on my credit report. I am trying to refinance my mortgage and the lender REQUIRES the dispute be removed from the account in order to approve the refinance. I originally sent a letter on XX/XX/2021 to Experian to remove the dispute. Experian responded to my dispute by stating they are investigating the dispute when all I need is for them to remove the dispute so that my lender can approve my loan. It is ridiculous that Experian needs 90 days to remove a dispute. I NEED THE DISPUTE STATUS REMOVED FROM THE XXXX XXXX TRADELINE IMMEDIATELY IN ORDER TO CLOSE ON MY REFINANCE!!!! I am unable to get the benefit of a lower interest rate because Experian refuses to remove the dispute status on my request, it is my credit report!!!!

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 2021-08-27
Company: EQUIFAX, INC.
State: CA
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:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
As you can see from the attached documents, this account has been paid and as requested and state by the company should be deleted from my credit report on all 3 reporting agencies. As you can also see, it has not been deleted and additionally will be reporting until XXXX of XXXX. This is exorbitant and malicious abuse that will continue to hurt my credit and my ability to achieve my inalienable rights. Please have them remove this negative reporting. 
Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Look its simple, but department store is difficult. I purchased clothing at kohls in XXXX for like {$95.00} bucks with cash, while purchasing I got myself a kohls debit card and it was accidentally charged to the card as well. So I paid cash money on XXXX XXXX or the XXXX and never should be in this situation. The receipt says kohls charge so I filed with kohls to solve this by looking at the cameras on the date and time of purchase to show me handing over {$100.00} cash to the employee. Kohls has repeatedly called and called wanting money while I wait for resolution. Im being charged and affecting my credit unfairly. This needs to be resolved they are affecting my life

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Hunt and Henriques has furnished a lien on our property and is aggressively attempting to collect on the debt that was included and discharged in BK chapter XXXX back in XX/XX/2011 ... When trying to resolve this I called Hunt and Henriques with NO luck nobody ever answers the phone line, I written to the address on file 4 letters since XXXX of last year with NO response from them. Then I went to their office location only to be escorted out stating I could not be there and they would call the police for transpassing this is a public property it is an office building how is it even legal to make these statements. Now my wife and I are getting calls at work and at my parents house from them demanding a payment in full for this case # XXXX I can never get ahold of an individual to speak to. We only get threatening messages left on our phones with calls at XXXX or close to XXXX as well as left with my assistant at work. this is ridiculous I should be protected under bankruptcy code. Attached please see proof of bankruptsy and a proof of this originally XXXX bank account and hunt and henriques furnisher of this judgement included in the bankruptcy. I seek release of this judgement immediately or I will go to attorney general 's office to see further remedy on this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2019-03-11
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an account with a collection agency named SW credit systems that was placed on XX/XX/2018. Account # XXXX. This account is apparently a satellite dish service that does not belong to me. The original creditor lists as XXXX. I have never had satelite services.The account is showing a balance of {$720.00}. I have disputed this twice now. The only response I have ever received is a bill. I have asked for original documents that I would have signed or a copy of my identification. The only thing I have ever received back was a bill and them stating the account has been verified. If there is anything you can do to assist me in the matter I would greatly appreciate it.

Company response to consumer: Closed with explanation