BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-07
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I bought a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. The selling price to me was {$20000.00} before extras. I found out later that the msrp was {$15000.00}, {$4900.00} less. I had a good job but, poor credit. The only lender that they offered me was Santander. I put down {$3000.00}. The total sale price was {$40000.00}. They financed the balance over six years, 72 months at 18 %. My monthly payment is {$510.00}. Along the way I was forced to defer a few payments. Santander told me they would add them on the back end. Not counting the three or four payments I was told would be on the back end, My XXXX should have been paid off XX/XX/XXXX. Santander says that I still owe over {$12000.00}. That is more than the car is worth, after making payments for over six years. I no longer have my good job. I hurt my back and now live on XXXX. My wife died last year so I only have the one income. I can not keep making payments for another two years. should not have to. I feel I was taken advantage of, and treated un fairly. I spoke to the dealership, they could not help, and told me Santander was their parent company. I also contacted Santander. No help. I still have the car and, my payments are current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2019-02-07
Company: TransferWise Ltd
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
We encountered difficulties with the following banking institution : TRANSFERWISE ( Delaware License XXXX / Statute : Section 2308 ( b ), 5 Del C, Chapter 23 ) TRANSFERWISE decided to close our accounts last week ( held in dollars and euros ), disable our access to online banking, without explanation, and without any notice.!! 

Since then, we no longer have any visibility on the cash flow of the company, and nobody at Transferwise seems to understand how catastrophic the consequences could results to their actions. Note that nobody on their phone customer support can explain or give us any information.! 

We try to contact them since XX/XX/2019, without success.! 

Our company is in danger and the risk of bankruptcy is real for us because they hold the cash of our company, USDXXXX $ : we can not pay anything ( payrolls, wages, rents, credits, etc ).! 

We understand that our company does not interest them anymore, and we will not appeal their decision, but they have no reason to keep our cash.! 

The days are numbered : we therefore urge you to intervene so that they return our cash, as we asked them by email several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My complaint is with National Credit Systems in XXXX, Georgia. They reach out to me in attempt to collect a debt that I didnt owe. For starters, the letter that they sent arrived practically a month from the date printed on it ( could be that they sent it out late or an issue with the postal service ). I called to let them know that I dont owe them and I paid the Original Creditor in full. They said that they dont know that but on my credit report they have it stated as I paid collection with an incorrect and false date. I never sent a payment to this collections company because I paid the original creditor. Im upset because they reported false information which shouldnt even be shown on my credit report. They are the worst and the customer service is far beyond poor, just check out the reviews on XXXX. How can they even get away with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have disputed the inaccurate account XXXX XXXX ( XXXX ) collecting for ( XXXX ) in the amount of {$1000.00} on three different occasions to all three credit bureaus. The credit bureaus are not properly investigating or taking my disputes seriously. I am entitled to a fair, accurate and substantiated credit report. This XXXX continuous reporting this account and has not provided the credit bureaus or myself any substantiated or verifiable information that this has ever been my account. This is not my account and has never been my 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 2021-02-13
Company: EQUIFAX, INC.
State: LA
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 AM WRITTING THIS DUE TO NON-COMPLIANCE WITH THE F.C.R.A. BY XXXX, XXXX  AND EQUIFAX. 

THEY ALL HAVE FAILED TO REMOVE TWO TRADELINES FROM MY CREDIT REPORT. THE TWO TRADELINES ARE XXXX  XXXX XXXX  AND XXXX XXXX. 

I HAVE SUBMITTED CERTIFIED DOCUMENTS TO PROVE THAT BOTH TRADELINES ARE INACCURATE, INCOMPLETE AND ERROUNIOUS. 

ALL OF MY CORRESPONDENCE WAS SENT VIA CERIFIED MAIL. 

I HAVE ASKED ALL THREE CREDIT REPORTING COMPANIES TO PROVIDE ME WITH 100 % CERTIFIED PROOF THAT BOTH OF THE DATA FURNISHERS WERE COMPLAINT IN WHAT THEY WERE REPORTING ON MY CREDIT REPORT. I ALSO REQUESTED THAT EACH OF THE CREDIT REPORTING COMPANIES ALSO PROVIDE ME WITH PROOF THAT THEY WERE COMPLAINT WITH THE F.C.R.A. AND SPECIFICALLY WITH THE INDUSTRY STANDARDS OF REPORTING ELECTRONICALLY. 

I HAVE NOT RECIEVED ANY RESPONCE FROM ANY OF THE CREDIT REPORTING COMPANIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: U.S. BANCORP
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I applied for a HELOC with US Bank roughly 5 months ago. During this time I have provided all requested documents and information for the application. I have been given the run-around for months and told almost monthly I 'd get some kind of update. I have received no credit decision even after all this time.

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 2019-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX   XXXX and 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 explanation
Consumer complaint received 2020-05-13
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CAPIO PARTNERS SENT ME A LETTER REGARDING A DEBT FROM XXXX HOSPITAL. I HAVE TWO INSURANCES THAT XXXX FAILED TO BILL. I SPOKE WITH A REPRESENTATIVE THAT STATED THEY ARE REBILLING THE INSURANCE COMPANIES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-05
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
The life of the title loan ended XX/XX/XXXX, which I saved a copy of the sign document. Today, XX/XX/XXXX, I received an email and text stating that I needed to make a payment. When I called, the representative stated that my statement is accurate that the life of the title loan ended on XX/XX/XXXX. Upon additional investigation of my question, he stated that due late payments, my payments were applied to the principal and not interest, which I was confused as I was also paying additional late fees along with my payments. I requested to speak to a manager and the manager was very condescending and stating the document stating the end of the loan of XX/XX/XXXX is accurate but due to the residual interest of {$3500.00}, I must make additional payments. She provided two options which were re-reading my contract as well as the company sending the itemized ledger of my payments and interest and the second option was a decreased pay-off of {$2400.00} which I had until XX/XX/XXXX to make decision. Either option as I informed her was optimal as I have made all payments and end of the loan was XX/XX/XXXX. I also stated that I have had other similar loans that if there was a residual balance/interest, it would be adjusted/written off as the life of the loan has ended. Provided that she did not want to adjust the interest and only alternative is to pay off {$2400.00}, I wanted to initiate a formal complaint and grievance. The company should not have the ability or capability to continue with their predatory practices of forcing customers to pay additional interest fees after the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: EQUIFAX, INC.
State: FL
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:
Credit bureau posted Non verified statement of public records even though they claimed they did verify. 

When I followed up with the court records clerk, to understand how this was possible, they informed me they could not confirm or deny anything on public records. 

So if the clerk of the court can not verify, then that means that the credit bureau verification process did NOT occur contrary to their statement that they certified it was correct. They lied. 

My understanding is that any other third parties are involved to verify or certify information, by law they need to get my explicit permission. No one has contacted me to get my authorization in regard to my information property which also indicated no verification or certification was done, or was even possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo is very smart about your availability of your funds, they outsmart you especially when you have little money and they tend to charge you bank charges

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 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have unauthorized inquiries and 3 accounts I was never late on and one account that is identity theft and another account I do not know why it is on my report. I also have a chapter XXXX I never filed and I am asking for proof of papers I signed but you never gave them to me by law See letter attached

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 2021-05-22
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Cash App Reference Number : ref : XXXX : ref I am unable to access my Cash App account after purchasing a new phone and installing app. Starting on or about XX/XX/2021 up to and including XX/XX/2021 I have communicated to Cash App through the support function on website, had email communication with XXXXXXXX XXXX and XXXX, and with the social media team through the Message option on XXXX. In each case they provide instructions on how to access account and trouble shooting advice if I am unable to log in following the instructions provided. In each case I have followed the instructions given and submitted the requested account information. The Cash App Team seems unable or unwilling to look into the problem and provide a solution beyond instructing me how to sign into app and repeatedly asking for the same information over and over again. When a company has your funds, no matter how little, and access to a linked checking account their should be a sense of urgency to allowing customers to have access to their money. 
Attached is pop up I receive when trying to log in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
Good morning, I am trying to obtain a lien release letter for a vehicle. The vehicle was purchased and paid off approximately 10 years ago by my parents. My mother recently passed away and I am the Executor of her estate. I am trying to assist my father in obtaining the title for this vehicle so everything can be switched to his name. I can not get a title for this vehicle until I provide a lien release letter to the motor vehicle. The loan was originally obtained through the XXXX XXXXXXXX XXXX XXXX. After doing some research, I found out that this company was brought by Capital One. My Dad and I went to a local branch and tried to obtain the lien information in XXXX, but there was no record of it. I came across the FDIC after further research and it was suggested to contact Capital One directly, however I did that already and was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Home Point Financial Corporation
State: MA
Product: Mortgage
Sub-product: FHA mortgage
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In XX/XX/XXXX, I asked that my account be updated as it was showing that it hadn't been reported since XX/XX/XXXX. I pay this account every single month and am up to date on my payments. on XX/XX/XXXX, TranUnion deleted my account because they weren't able to reach the creditor and dropped my credit score by almost 100 points. I contacted them and they advised me to contact the creditor directly and ask them to resubmit the account. They stated that they will not do anything further because they already report it each month. Even though it wasn't showing as reported since XXXX. I called TransUnion again and they said they tried to reach out to them electronically with no response and they deleted it. I contact XXXX XXXX ( creditor ) and they stated that they do what they are supposed to. I spoke to the owner and he stated that there is nothing wrong showing on their end. I advised him that all Transunion is asking that they call and add the account back on and verify. He refused saying he does what he is supposed to do and that's all he is required to do. this was all via email in writing.

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 2017-12-05
Company: Pacific Collections
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, 2017 I have received an alert from XXXX  that there were some changes from XXXX. There was a Debt collection from XXXX XXXX  XXXX XXXX ( sold to XXXX/XXXX ) for {$330.00}. My credit score went 60 points down. That collection is n't mine, I did n't purchase anything in there nor got any services in there. I live in Oklahoma. I immediately contacted XXXX and that collection agency about that issue. Collection agency refused to provide any evidence of that dept ( that it belongs to me ).

Company response to consumer: Untimely response
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: NC
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 would like to state that Experian is in direct violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Experian written consent to report anything on my behalf on this consumer report. No consent is identity theft. Furthermore under 15 USC 1681 ( a ) ( 3 ) Experian assumed this role without permission not only did they not have my permission they didn't have my consent. This company did not respect my rights to privacy which is under 15 USC ( a ) ( 4 ) Experian did not exercise their grave responsibility, they were unfair and partial. 15 USC ( b ) ( 2 ) Experian never had a permissible purpose. I never instructed Experian to furnish this report and I never consented to this report in the first place. I am demanding deletion off all this unauthorized account on this report or I no longer want to continue to do business with this company

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 2019-11-19
Company: EQUIFAX, INC.
State: OH
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 a victim of Fraud and I am trying to protecting my credit file as much as I can. I have found several ACCOUNTS on my credit report that do not belong to me. I was in the process of buying a car when it was brought to my attention. 
The following accounts are not mine I cant find any contracts for business with any of these companies : 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****. I have requested legal paperwork from the above companies without any response so now I am filing a police report and I will follow up with a report to the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-21
Company: HUNTINGTON NATIONAL BANK, THE
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I closed my safety deposit box years ago, Ive communicated with Huntington Bank, they say theyre aware of the mistake but continue to harass me for a box that I closed years ago!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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