BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-04
Company: Santander Consumer USA Holdings Inc.
State: NV
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:
Went to XXXX Dealership inquire on car to test drive.  However I told dealer multiple times to please do not pull credit, I only want to test drive. Dealer pulled credit anyways. I also told them I would Not be financing through them and not put application through however the financed car anyways. Not sure through what lender. Lender called me as I also told them I would n't be financing through them and do not proceed with process. As I pulled my XXXX XXXX report I see inquires for that day from. I did n't authorize any of those lenders to pull my credit. Not sure how they got my information. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
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: Was not notified of investigation status or results

Complaint:
Multiple disputes have been filed in which they continuously come back as verified, Ive requested the method of verification in which they have not provided. Upon calling today to inquiry about results that had not come in, and file dispute on fraudulent inquires, I was denied that right by the representative, as well as told look at the website, it states how public records are verified. Public records should only be verified by the source, and I have confirmed from the XXXX XXXX bankruptcy court that they do not verify this to any third parties. Meaning credit reporting companies, or the third party companies that they use to verify. Additionally they claimed three collections from XXXX XXXX was accurately verified, I however received a letter from them stating we can not determine the reason for dispute so theyve listed the dispute as in dispute however Transunion says this was verified? HOW?!? Delete these four items immediately.

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 2022-02-06
Company: Experian Information Solutions 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:
In XXXX of 2021 XXXX attempted to collect an authorized debt by placing it on my credit report. It was contested and successfully removed. Experian however only removed it from their main Experian Report. They did not remove it from a subset report called " Experian Rent Bureau. '' A report in which most people will know nothing about or assume that its based off the main Experian report. 

Not knowing this report exists I was denied an application for a lease because of the collection. 

This caused me to lose my application fee and also caused great personal embarrassment. 

As Experian Rent Bureau is effectively part of Experian, then their 30 day window to remove the item effectively ended months ago.

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 2022-02-06
Company: EQUIFAX, INC.
State: GA
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:
I did not consent to, authorize or benefit from any of the following inquiries. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX- XX/XX/XXXX, XXXX XXXX, XXXX XXXX- XX/XX/XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX- XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
This private and federal loans are our daughters, who we co-signed for. We have tried over the many years to negotiate the payment and interest on loans to no avail, they continue to make numerous calls to my home. We as the parents want to be taken OFF these loans and perhaps pay them off, but need legal advise prior to settleing with these horrible lenders. XXXX was very sneaky and unethical we feel when suggesting these loans, why was our daughter not offered Federal loans is a HUGE mystery that has caused many financial problems within our family. Not to mention the absurd amount of money paid to these crooks, without it going towards loan but to their pockets. This should be considered as a CRIME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: BARCLAYS BANK DELAWARE
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX I purchased airline tickets for my XXXX Vacation Trip to visit my family in New Jersey using my XXXX XXXX XXXX XXXX XXXX XXXX ( See Attached ). I purchased an Economy Fare for which I was notified that this fare did not allow me with overhead bin access for my carry-on bag ... I was not bothered by this as I was using my XXXX XXXX XXXX XXXX for this purchase and my card benefits allowed me one bag under my seat and one bag in the overhead bin ( See Attached ) ... When I checked in for my XX/XX/XXXX flight I was advised by the ticket agent that I was only allowed access for one bag that could fit under my seat and that I would need to check my other bag for a {$25.00} fee ... I advised the XXXX XXXX agent that my Credit Card benefits allowed for one ( 1 ) personal item that fits under my seat and one ( 1 ) Carry-On bag ... I proceeded to show the agent my XXXX XXXX Credit Card and even pulled up the XXXX Economy Flight Policy on the internet showing her my benefits ... She took my Card and called the Credit Card Company and they told her that my Credit Card did NOT qualify for this benefit ... Once again I showed her the policy that was on the XXXX XXXX website and she went into the back office to get her manager ... Her manager reviewed my Card and she agreed that my Card did not qualify for this benefit ... She told me that I had the XXXX XXXX XXXX and that only the XXXX XXXX XXXX qualified for the Carry-On Bag benefit ... The Web-Site ONLY states " XXXX XXXX XXXX XXXX '' it does NOT differentiate the Red or Blue colors ( See Attached ) ... I feel that this is a clear violation of the UDAAP regulations as in my mind this is an extremely deceptive practice. The ONLY reason I have this card is for their Travel Benefits for which I was denied ... This also caused me to experience over a one ( 1 )  and a 1/2 hour delay after landing because my bag ended up being misplaced and ended up in another terminal which caused me added travel stress ... It also caused me to be extremely late for our annual Family XXXX Party ... On my return flight on XXXX XXXX, I just went ahead and checked my bag and paid the additional {$25.00} Fee ( See Attached ) rather than having another dissatisfactory Customer Experience.

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 2022-02-06
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I gave my bank information over the phone to a woman collecting money for Comenity Banks Victoria Secret Store card and then she didnt process my payment after she said she would. I asked to close the account and she transferred me to her supervisor, hung up and said thats weird and that she didnt hang up or transfer me yet. After it happened again I left it at that, assuming that she processed that payment like I asked her to. I had my doubts and then the next day I got a notification from XXXX XXXX saying that there was a late status on the account. Not only did that first American representative not process my payment, she reported me to the credit bureaus, this after I have received no mail from VS or Comenity Bank, and after I attempted to pay it. She was mean and told me I didnt know how credit cards work EVEN though I cooperated and gave her my information. We naturally didnt have a great interaction, mostly because of her bullying behavior. I have a XXXX XXXX and I thought I was doing really good with it and I try so hard to limit my stress but this gave me days of XXXX  and XXXX  episodes. It should be against the law to go beyond your job duties like this and trample on human beings you might actually like, lying to yourself that, oh well, you dont make any difference, because you definitely do. Oh yes you do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
on XX/XX/2017 at XXXX I was contacted by an associate of " Portfolio Recovery ''. She asked if she was speaking to " XXXX XXXX '' and I corrected her to " XXXX. After this the associate advised of my debt and other personal account information without verifying I am who I say I am. There was no verification at all, no DOB, last 4 of ss or anything. Other people answer my phone and it is unlawful to speak about my account without verifying my identity prior. After the fact the associate read me the call recording disclosure, and if I was aware calls were to be recorded prior to the discussion of any account details I would have advised them to communicate with me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am not the originator of the enclosed information 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 2019-07-13
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
: I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The reason for my dispute is because I sent the attach letter seen on the image to CAPITAL ONE AUTO FINANCE on XX/XX/XXXX. Reference # XXXX which they received on XX/XX/XXXX via certified mail with return receipt also you can see on second image provided. I asked them to remove an illegal inquiry dated XX/XX/XXXX to this date XX/XX/XXXX I have not received any answer from them at all. If this illegal inquiry continues to be in my credit report I will have no other option but to seek legal advice to protect myself. Let this letter be my final request/demand for inquiry removal before taking legal action against the company above mention

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
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:
I opened a credit card with an offer if I spend {$3000.00} in 3 months of opening that I would get 25,000 bonus points. I spent just over {$5000.00} ( about XXXX ) in that time frame. I never received the points. 
I called the bank now 6 times. The first time it was forwarded to a promotion team that after a week called me back and said that the promotion was spend {$5000.00} to get the points. When I told them I did spend over {$5000.00}, then I was told maybe it was {$6000.00}. I told them I have the letter that came with the card saying {$3000.00}. I was told they would forward it back to that department. I never heard back. A month later I called again, and was told it would be sent back to that department. Again never hearing back. 

I spent well over the {$3000.00} required, and have statements as proof it was actually over {$5000.00} even in that window of time, yet never got the 25,000 points. I want the 25,000 points owed. I'm including the proof of the offer they even mailed me after I got my card.

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 2018-01-04
Company: ALLY FINANCIAL INC.
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In regards to our loan with Ally Bank and serviced by XXXX XXXX, we were approved for a short sale in XX/XX/XXXX. This was after one year of multiple submissions of paperwork and then the need to escalate to the President 's Office at XXXX XXXX to gain final approval. 

For the record, on multiple occasions and even after escalation, the Real Estate Agent representing the property struggled with XXXX XXXX to provide up to date and accurate information. Specifically, and on more than one occasion, the Real Estate Agent was denied access to the loan information even though approval had been provided formally by the property owners with the submission of necessary paperwork to allow access. And, while the President 's office was responsive to our needs the " left hand did not know what the right hand was doing '' and the communication was lacking and in some cases contradictory, i.e., the information provided by the Customer Service Department and the President 's Office was not the same. 

Specifically, as an example of the lack of accurate and necessary communication, on XX/XX/XXXX and XX/XX/XXXX, the representing Real Estate Agent spoke with both the Customer Service Department and the President 's Office at XXXX XXXX and was not informed that the approval for short sale had expired on XX/XX/XXXX. 

In regards to this, the policy automatically becomes foreclosure 14 days from the expiration of the short sale approval. While the representing Real state Agent was able to garner a 1 week extension they were still not informed, in any conversations on XX/XX/XXXX or XX/XX/XXXX, the short sale approval had expired. Their was no specific reason provided as to the reason the property was going into foreclosure. 

To summarize our position, if XXXX XXXX had informed the Real Estate Agent that the short sale had expired, the necessary paperwork for resumption of the short sale could have been provided and the automatic 14 day foreclosure policy would not have come into play. 

Finally, we have provided to Ally Bank through XXXX XXXX a legitimate sale offer but Ally Bank not understanding the issues with XXXX XXXX has refused to rescind the date of auction. 

In the end, we are asking Ally Bank to rescind the foreclosure and to remove the property from auction on XX/XX/XXXX and to consider the sale offer. 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had opened an account, but as soon as I opened acct it looked like the number was changed. I notified customer service and switched my acct to be safe. Since I have had some issues lately, I have replaced phone and had to even get new number, which makes it hard at times logging in when codes are sent. I had asked once before about gaining access to account I can't get it and it was said I should just open another. I didn't want a bunch of accts, but it seems that everytime I need to replace phone and I try to transfer apps, it makes me open new acct. I have three cards now but only access to 1. With info. I was going to have funds deposit into acct from rental assistance and tax rtn but as soon as I put it thru to process it seems I no longer can access. I also had concern about the bitcoin and what it felt like it presented. With an oddly high price per share, I didn't see anything that showed me if it was my bal or just there with options to send or buy with a note that states u can't get back? 
Since I had been expecting a deposit that could be kinda large from reimbursement for covid expense, I asked and I was told it was just the value? 54k, for 1 unit? So I felt the presentation represented funds that looked like mine but in essence was told that it was just representing the balance. I had looked at another app page to see if that showed the same balance. It didn't seem to. I was concerned that incoming deposits were being placed there instead of acct. And with my card being open one day n closed the next, I have no access to see if the bal is zero or what. 
So I have XXXX cards last XXXX digits of the cards are XXXX, XXXX, XXXX. 
I had also asked the SEC. Considering the balance seems incorrect for what it is and I have had invested accts n it seems to me whatever the source is that makes that amount, has probably misposted amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Southern Service Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection letter from a company called Southern Service Systems on XX/XX/XXXX. Trying to collect on a debt from a home I lived in last year when I was on HUD. I stayed out there for 3 yrs and never had a problem until the new manager came and all the old workers left. I was living month to month, had already fulfilled my lease. I didn't pay any rent being that it was income based. I went to the office and put in my 30 day notice to vacate. During the 30 days an inspection was done on the home. They found no problems. I moved out on XX/XX/XXXX. The amount they are saying I owe is XXXX for an unknown reason. I sent a debt validation letter to the agency requesting proof of the debt and what exactly I was being charged for. I received a response on XX/XX/XXXX. It wasn't what I asked for. It was only a printout of the lease and didn't show any amount owed or explanantion. I then called the company directly to see if someone could explain to me and I was unsuccessful.  The lady I spoke with had no clue of what was going on or what the charges was for. First she said rent, I explained that wasn't possible because I put in a 30 day notice and furthermore I didn't pay rent because I was on HUD at that time. There wasn't any damages because an inspection was done prior to me moving. I paid a $XXXX security deposit before I moved in that was never returned to me when I moved out. If it was something owed then it should have been taken out of the deposit being that I didn't get it back.

Company response to consumer: Closed with explanation