BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-23
Company: Santander Consumer USA Holdings Inc.
State: CT
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 or had '' a 100 % payment history, due to the Santander Lawsuit outcome. Chrysler Capitol is now sabotaging my existing credit loan they are claiming a late payment of 40 days which is incorrect. Due to the pandemic I thought financial companies were suppose to be more understanding not '' stand off-ish '' towards consumers with an excellent payment history. I've have my loan for almost 18 months with missing a payment. I called the company twice  on Thursday XX/XX/XXXX. The first representative told me flat out that they can not remove my late payment, which is false. I called again the second representative was very helpful in removing and addition charges attached to my next payment. She sais she was going to put in my request, which was a whole lot more than the first representative would do. I also wrote a formal goodwill letter to try to fix my credit score and remove the late payment. I am trying to  refinance the vehicle and move on from the subprime loan that I have with my current vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: M&T BANK CORPORATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
M & T Bank authorized without notification a fraudulent ach transfer from XXXX in the amount of {$26000.00}. It has been 84 days since I filed the police report and notified M & T Bank. M & T Bank informed me I was past the 60 day requirement to notify of fraudulent activity. I was at 68 days to report. Fraudulent charge was debited from checking account on XX/XX/XXXX, at the onset of the pandemic, followed by state-wide shutdowns. Focus was on my XXXX, not myself until later in the shut-downs when I wanted to invest more into my XXXX  for XXXX   XXXX, which is when I noticed the fraudulent charge. M & T claimed they would develop a conclusion between 45 - 60 days of reporting. They are no longer providing additional information as to the status of the claim. Contacted Attorney General, State reps, and personal attorney. Causing extreme mental and emotional anguish. Police contacted for a wellness check. M & T Bank claims they are unable to reach anyone at XXXX. XXXX claims M & T Bank has no record of contact. Faxed information to XXXX on XX/XX/20. Very possible I will be homeless. Loss of income for my XXXX. Mental anguish. No forbearance in reporting due to COVID-19 pandemic.

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 2023-02-05
Company: Block, Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I file a dispute with cash app on XX/XX/2023 when I was sleep at a friend house when I had some information stolen in my phone pouch that some money was taking from my cash app account I file a police report and cash app still disregarding my dispute still have not resolve my issue I have another transaction for {$85.00} that was taking from my account when I got home I had emails saying the transaction could not be processed and cash still have not provided me with any documents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone has continuously hacked into my American Express account and opened up a credit card in my name and changed all the information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Entered Quicken Loans website this morning ( XX/XX/XXXX ) to make my XXXX ( XXXX ) payment. Website refused to accept payment ; indicated my loan had been sold to " XXXX XXXX ''. Have received no correspondence from XXXX, or XXXX XXXX, regarding this. Found a number for XXXX XXXX ( XXXX ) and called them. They indicated that the transfer is " in process '' and likely would not occur until later in XXXX. XXXX ( representative ) indicated I had 60 days to make a payment with no consequences to my delinquency status, late fees, credit reporting etc. I called Quicken and was advised that the goodbye letter had been drafted XXXX and that Quicken would also not accept any payment. Quicken refused, as did XXXX XXXX, to present any resolution. I have been associated with the mortgage industry for over 30 years and am completely confused by this ; can only imagine what the average consumer would think when presented with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX 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

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 2023-09-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was looking to buy a home, on XX/XX/2023. I went to XXXX to look at my credit and discovered that my credit card was damaged badly! According to the 15 U.S.C 1681 law, there should not be any damages on my report which is defamation to my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23
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: Their investigation did not fix an error on your report

Complaint:
According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity.

I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you.

Awaiting your reply in a timely manner. 
Sincerely, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1975 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY 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 2021-01-25
Company: Experian Information Solutions 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:
I sent certified letters to Experian stating there was inquiries on my acct that I had no idea of they got back with me stating I had to contact the company myself so that its taken care of.

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 2020-10-23
Company: Experian Information Solutions 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:
I was trying to buy a truck at the XXXX dealership today XX/XX/20 and when they ran my credit, I was told that I did not qualify to finance a car at this moment because there are accounts in negative standing on my credit report. I had no idea what they were talking about because I have always made sure to pay all of my loans and credit cards on time. When I got home I looked through a copy of my credit report and I saw three accounts and a few credit inquiries that are not mine. The  accounts are from these companies ; XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX. I did not open any of those accounts and I did not give anyone permission to open them on my behalf. I do not have written or verbal contract with those companies nor did I benefit anything from those accounts such as money, goods, services or any other benefit. I did not contribute to any payments that might have been made towards those accounts. I have already filed a police report & a complaint with the CFPB.

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 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was trying to buy a truck at the XXXX dealership today XX/XX/20 and when they ran my credit, I was told that I did not qualify to finance a car at this moment because there are accounts in negative standing on my credit report. I had no idea what they were talking about because I have always made sure to pay all of my loans and credit cards on time. When I got home I looked through a copy of my credit report and I saw three accounts and a few credit inquiries that are not mine. The accounts are from these companies ; XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX. I did not open any of those accounts and I did not give anyone permission to open them on my behalf. I do not have written or verbal contract with those companies nor did I benefit anything from those accounts such as money, goods, services or any other benefit. I did not contribute to any payments that might have been made towards those accounts. I have already filed a police report & a complaint with the CFPB.

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 2020-10-23
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:
I was trying to buy a truck at the XXXX dealership today XX/XX/20 and when they ran my credit, I was told that I did not qualify to finance a car at this moment because there are accounts in negative standing on my credit report. I had no idea what they were talking about because I have always made sure to pay all of my loans and credit cards on time. When I got home I looked through a copy of my credit report and I saw three accounts and a few credit inquiries that are not mine. The accounts are from these companies ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not open any of those accounts and I did not give anyone permission to open them on my behalf. I do not have written or verbal contract with those companies nor did I benefit anything from those accounts such as money, goods, services or any other benefit. I did not contribute to any payments that might have been made towards those accounts. I have already filed a police report & a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX a notice/XX/XX/XXXX was sent to stated company upon proof of claim/validation not verification, was sent to office of the president/risk management in addressing the ceo /cfo and its representatives. In where they were requested to provide me with competent evidence that i had a legal obligation to pay them. 
On XX/XX/2020. A Notive of Fault and Opportunity to Cure and Contest Acceptance was sent to stated company, no response. 
On XX/XX/XXXX. A notice of default and res judicata/ Amended /revised & AFFIDAVIT OR CERTIFICATE OF NON RESPONSE AND FAILURE TO CONTEST Acceptance and Agreement was sent to stated company along with a list of stated violations pursuant to the Fair Debt Collection Practices Act. No response was sent to stated address in Intital notice on XXXX XXXX. 
Since the beginning until present day, the stated company has not followed the Fdcpa laws and continously to mark negative items to my report. Ruining my reputation and causing defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: EQUIFAX, INC.
State: VT
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:
My homeower insurance on XX/XX/XXXX jumped more then 10 % due to my credit score. 
We have no debt other then the credit cards we use, less then {$2000.00} a month. 
Our credit report from Equifax when down 6 point with a increase of {$74.00} total of the three cards.We are in our 70s the RMD and capital gains made our 1040 AGI of  {$96000.00} in XXXX to {$140000.00} in XXXX .Our XXXX  accounts have over {$50000.00} in cash and {$460000.00} in margin account.We funded a XXXX  XXXX   CD account this last year that has over {$400000.00} in it now.I didn't know I had to keep track of my credit score if you don't need credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$830.00} ; XXXX XXXX XXXX Balance : {$0.00} ; 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

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 2020-10-23
Company: WELLS FARGO & COMPANY
State: TX
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:
Do not recall the date Wells Fargo Credit Card was issued or the exact date the Account was closed, but Debt was discharged XX/XX/XXXX via my Bankruptcy ( Sole ). Upon waiting the required 2 years to seek a Home Loan ( Jointly ), the financial institution alerted us of the negative activity on my Wife 's Credit Reporting History. The collection amount detailed was {$4600.00} that was past due. My Wife never received any notice of collection from Wells Fargo. Upon contacting Wells Fargo in XX/XX/XXXX, it was explained that my Wife never filed or requested a Credit Card from Wells Fargo individually, Jointly or as a Co-Applicant. The first Representative of Wells Fargo I spoke with confirmed that my Credit Card Account was closed and discharged via my Bankruptcy, but the Representative indicated that my Wife 's Debt was also discharge via my Bankruptcy because of our residency in Texas, which is I was told is a Community Property State and that when I discharge my debts via Bankruptcy the Joint Account with Wells Fargo was also Discharged. However, I explained that I do not recall or remember requesting Credit or Credit Card for my Wife. An official Dispute was  filed in XX/XX/XXXX and explained the aforementioned information. I was told the investigation would take 30 days and a decision would mailed. Till this date ( XX/XX/XXXX ) no written response has been received and despite multiple attempts by telephone I have not received a decision or a course of action from Wells Fargo.

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 2020-10-23
Company: Experian Information Solutions Inc.
State: NJ
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 was enrolled in a covid forbearance for two months XXXX and XXXX of 2020, due to job loss for my two XX/XX/XXXX accounts. I was told the accounts would not report more past due than what they were due to the fore forbearance. Neither account was 30 days past due when I enrolled, so the reps at XXXX XXXX all advised my account would be reported as current. I received a notification, saying my accounts had been reported to the bureaus as past due. One account was reported 30 days past due for {$1.00}. I have spoken to endless supervisors and written letters of dispute to both XXXX XXXX and all three of the bureau. They didnt do a good job investigating this issue, as they responded back a day later saying it is verified. XX/XX/XXXXXXXX claims they opened their own investigation which took a month and advised their investigation was completed and claims I was not enrolled in forbearance when I was since my payment due screen was XXXX. They said the rep I spoke with must of forgotten to enroll me. The bureaus automatically side with the creditor and didnt investigate this properly. I wrote them all a letter and disputed these three collective late payments online. No one will help.

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 2017-12-19
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am a victim of identity theft. Regions has requested that I fill out their identity theft document which is attached to this complaint. Also attached is a copy of my photo ID and the letters I received from the other banks where fraudulent accounts were opened and the FTC affidavit of identity theft as well as a copy of the lease for the apartment I lived in during this theft. The police report number filed with the XXXX Police Department 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 2021-11-11
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I've been getting in touch with Experian and XXXX by phone and letters about the wrong address that is showing on my credit report several times since XX/XX/2021 I sent out several letters to Experian and XXXX with a copy of my SS # and driver 's license with the correct address so it would be easier for them to remove the wrong addresses that appear on my credit report. 
When I contacted Experian by mail starting in XXXX XXXX XX/XX/2021, I never received a letter in return explaining or verifying the wrong address on my report. 
I then started to call Experian to dispute the address and the employee insured me that they would fix the problem and now we are in XXXX and the wrong address is still appearing on my credit report. 
I would really appreciate if we could get this resolved

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