BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
These accounts violated my federally protected rights. The following accounts are with XXXX balance. XXXX XXXX, XXXX XXXX XXXX balance in XXXX and XXXX ) , XXXX , XXXX ( only reports to XXXX ) These items have violated my consumer rights under the Fair Credit Reporting Act, 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected.

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 2022-04-28
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: Account status incorrect

Complaint:
These accounts violated my federally protected rights. The following accounts are with XXXX balance. XXXX XXXX, XXXX XXXX XXXX balance in TransUnion and XXXX ) , XXXX , XXXX ( only reports to XXXX ) These items have violated my consumer rights under the Fair Credit Reporting Act, 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected.

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 2022-04-28
Company: Experian Information Solutions Inc.
State: IL
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 submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

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 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Disputes and letters have been sent to the creditor CBNA, Sears, Macy 's and XXXX  XXXX  since XXXX of 2020 until XXXX XXXX a a police report has been provided to creditors and credit bureaus.

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 2022-04-28
Company: CITIBANK, N.A.
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:
There is an alleged account on my credit report that is reporting incorrectly and should not be on my report. This company has sent me a letter of discharge stating that the account has been discharged and should be removed from my credit report but it is still reporting.

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 2017-09-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I leased a XXXX XXXX XXXX. My lease matured in XXXX XXXX, so before the maturity date I contacted Lexus Financial Services and asked for 6 months extension. The rep took down my request and told me I should be notified shortly weather my extension was granted. I called a few days later and the customer service told that he could not see it but if I saw that a payment for the next month was available that meant that the extension was granted. I logged in into my LFS account and a payment for the month of XXXX was due. I made the payment and was under the impression that the lease extension was granted. The next payment notification came in XXXX so I paid it as well. A few days after the XXXX payment at XXXX XXXX in the morning a tow truck with two beasts gets inside my property and tows away my car. I get confused thinking it is a theft. I tried to get my stuff from the car to make sure it was not a theft, one of the beasts blocked me and they took off. I called the police department and was advised that it could be the financial services. I got doubtful because I knew I had made the payments. I called LFS they apologized and told me that the extension was never granted. I called another time just to pose a question weather they made a mistake or they really acted in compliance with the California laws. I asked them if the lease is past the maturity date and the extension is not granted are they supposed to accept further payments, and their answer was NO. A month after the incident they sent me a a letter thanking me that I returned the vehicle to XXXXXXXX XXXX which I did not and that the vehicle had excess mileage/and wear as defined by my lease agreement or I had some unpaid charges, or both. The the statement reads I owe them {$2400.00}. I called them again and told them that my vehicle had excess mileage but not in excess of XXXX miles which I paid in the two extra payments that I made after the maturity date. They had no answer but to insist that the amount was due and that it need to be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Applied Data Finance, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

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 1681 Section 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 response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Called Citicards ( Citibank ) to close out an unused account that is in good standing with a {$0.00} balance. I did not have a phone number that they could verify so they would not let me close the account. I have a cell phone only that they could not verify. They suggested I give them a number of a relative with a landline so they can send me a verification code. I provided my SSN and all of the proper security questions but they said I needed to have a verified phone number. I do not have anyone to call to have a verified phone number. All I want to do is close the account. I called two different times and spoke to supervisors but they told me until I get a verified number, there is nothing they can do. Very frustrated and need some 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 2022-10-03
Company: SANTANDER HOLDINGS USA, INC.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Im regards to payment : all commercial instruments such as promissory notes, credit agreements, bills of exchange and checks are defined as legal tender, or money, by the statutes such as 12 USC 1813 ( l ) ( 1 ), UCC 1-201 ( 24 ), 3-104, 8-102 ( 9 ), 9-102 ( 9 ), ( 11 ), ( 12 ) ( B ), ( 49 ), ( 64 ). These statutes define a promissory note or security to be negotiable ( sellable ) because it is a financial asset. This is necessary because contracts requiring lawful money are illegal pursuant to Title 31 USC 5118 ( d ) ( 2 ). All debts today are discharged by promises to pay in the future. All Federal Reserve notes are registered securities and promises to pay in the future. They are secured by liens on promissory notes of collateral owned by real people. The statutes do not provide the Federal Reserve Corporation a monopoly on promissory notes, as debt collectors insist. Real people create promissory notes that are usually sold to the FED in exchange for their promissory notes. The FED uses the promises of the peoples collateral to secure their notes. If people want their, commercial instruments to be legal tender, they must be secured by a maritime lien on your prepaid trust account recorded at the county and registered on a UCC1. It then becomes a registered security and a financial asset that can be negotiated.

Im regards to the contract : The Fair Debt Collection Practices Act 15 U.S.C. 1601, 1692, 1693, provides remedies for deceptive or unconscionable contracts and allows payment in any legal tender. The contract was deceptive and unconscionable if the actual debt was zero. 
I would also like to add CFPB vs. Santander which my contract is the very same reason Santander was sued. In 2020, Santander reported my car loan as paid off due to a disaster. I believe my loan was reported as such because of this lawsuit. I also asked for specific documents that Santander has refused to provide. They have also not included the wet ink signatures between myself and Santander. 
I asked for the following : They will show that the corporation has an offsetting liability to the debtor pursuant to FAS 95, GAAP and Thrift Finance Reports ( TFR ). These records include : 1.

FR 2046 balance sheet, 2.

1099-OID report, 3.

S-3/A registration statement, 4.

424-B5 prospectus and 5.

RC-S & RC-B Call Schedules

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have collection accounts on my XXXX credit reports from XXXX XXXX XXXX in which they documented a XXXX late on my credit reports in XX/XX/2021. Only original creditors can report late payments - I have never entered into any agreements with XXXX XXXX systems, therefore they can not report late payments. These late payments caused my score to go down and are negatively impacting my credit. I disputed these accounts with all three CRAs on XX/XX/2021 and all came back as " updated '' with no removal of the late payment documentations. These late payments are fraudulent, erroneous and incorrect information being reported. I request due to these inaccuracies the accounts be permanently removed from all XXXX reports. Accounts are as follows : XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
American Express very recently charged me a {$450.00} annual fee on a credit card. They then closed the credit card ( which is wrongful as well ). I asked for a refund of the newly charged {$450.00} annual fee, but they have refused. 

The {$450.00} charge was made on XX/XX/XXXX. The card was closed by American Express on XX/XX/XXXX. They should not be permitted to steal {$450.00} from me. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-20
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
American express has locked my Membership Rewards for more than 3 months for no reason. They deducted XXXX points from my account on XX/XX/XXXX for not reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Medical Data Systems, 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 received a letter ( XXXX ) from MEDICAL DATA SYSTEMS receiving documents for verification purpose of alleged debts. They claimed to be a third-part service. HIPPA LAW was violated. A contract was provided as proof of verification and the contract does not explicitly state that " I '' gave authorization to a third party to access my information. Many other laws has been violated FDCPA SECTION 806. FDCPA SECTION 808. ALSO, there's a violation of CONSUMER law 15 USC l681 S 2 ( b ) XXXX BALANCE : {$3200.00} XXXX BALANCE : {$4000.00} XXXX BALANCE : {$6300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
On or about XX/XX/XXXX i filed bankruptcy and included in the filing, a home i once owned t was therefore relinquished and forfeited. XXXX  XXXX XXXX left the loan open and is still open today even though the bankruptcy was closed in XXXX, and they continue to this day to report the activity on my credit report, included with these comments are actual letters from XXXX admitting they made mistakes and other illegal activity such as keeping the loan open in my name and letting other people service the loan. XXXXXXXX XXXX XXXX  has now sold the loan to another company, XXXX XXXX XXXX and failed to disclose any of the information about the bankruptcy proceedings, and they XXXX XXXX XXXX ) are now also reporting to my credit as a new foreclosure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is reporting incorrectly to XXXX and Transunion a collection in the amount of {$1700.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account does not belong to me. I have contacted XXXX to resolve this issue and the representative I spoke with could not locate this account nor any account with my information. I asked the representative to please remove this account however, no action has been taken, nor have they contacted the bureaus to have this line item removed from my credit report. This incorrect reporting is harming my credit score and this line item needs to be deleted.

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 2019-08-08
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I was the victim of target marketing as LOANME bombarded me and others in my region. 
The address where I live and my income would usually disqualify me from such a large loan with a large interest amount. 
Despite LOANMEs knowledge that they were targeting low income individuals with limited to no ability to keep the loan payment up to date and force default. 
All it took was one time for me to hear one of the deceptive ads on the radio look up the info online and realize it probably was not a good idea but that is all it took for LOANME to get enough data to hit me from all angles. 

I was advertised to in all areas of my life including but not limited to : Phone Calls Text Messages Radio TV Billboards Internet Streaming XXXX Ads Phone Ads Mailers All it took was one time  for me to hear one of the deceptive ads on the radio look up the info online and realize it probably was not a good idea but that is all it took for LOANME to get enough data to hit me from all angles.

Once I searched it LOANME knew. And continued to offer me the deals despite the fact I rejected the initial time I looked up the info. XXXX is one of many companies who sell information on what their end users are looking up. LOANME pays for this data.

LOANME knows that individuals such as myself who live check to check with low income and no higher education are susceptible
to hard times and will get desperate soon enough and when that time comes LOANME will be the first thing these individuals think of because of all the ads from everywhere. 

If it was just ads there would be nothing wrong with these marketing strategies, however LOANME bought data from various companies to get info on the low income individuals such as myself, so LOANME can then use that information to focus their marketing on those individuals. This is the definition of target marketing and predatory lending.

The loan was paid out to me despite the lender LOANME knowing that I would not be able to pay the terms and would be in default. 
The reason why I would not be able to pay was because the terms of the loan were outrageous and only in place to maximize the lenders earning potential at the expense of myself. 

I feel I was taken advantage of due to the lenders knowledge of my income and targeted marketing to my region. They know that individuals in my region also do not have high levels of education and they can abuse and impose unfair tactics to these people and take advantage of them due to lack of understanding the complicated loan stipulations and transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
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: Their investigation did not fix an error on your report

Complaint:
XXXX collection items are continuously to be reported although the information furnisher can not verify the information with me directly. I have requested that XXXX collection items be verified with signatures, contract as well as a promise to pay. I have also asked for accounting that shows how the debt was arrived at should the identifying documents be produced. Neither XXXX XXXX or XXXX XXXX XXXX XXXX has provided me with this information over the course of one year. They are well past 30 days to respond. When I notified Transunion of this, this credit reporting agency refuses to take heed to the fact that I have proven these line items to be unverifiable. This agency continues to KNOWINGLY report unverifiable information.

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 2021-12-03
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I XXXX  the natural person continue to be a victim of fraud upon the XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX, XXXX STUDENT LOANS, AND US DEPARTMENT OF EDUCATIONXXXX all have unauthorized the use of my personal information, damaging and willingly, my character and privacy overall. I have sent in numerous complaints and fraud and theft reports regarding this matter and this loan servicer.. for the record XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX STUDENT LOANS, AND US DEPARTMENT OF EDUCATIONXXXX had no permissible purpose, thus my written consent to report on my consumer report, for the record. For the record, XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX, XXXX STUDENT LOANS, AND US DEPARTMENT OF EDUCATIONXXXX has been in investigation far over 60 days with the CFPB as well as third party credit bureaus such as XXXX and XXXX XXXX. XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX, XXXX STUDENT LOANS, AND US DEPARTMENT OF EDUCATIONXXXX continues to appear and reappear, This is by far a violation of my Constitutional Rights. XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX, XXXX STUDENT LOANS, AND US DEPARTMENT OF EDUCATIONXXXX are accounts that have been opened fraudulently, thus without my written consent to report in regards to COLLECTION a debt pursuant to 15 U.S. Code 1681 B. | 15 .U.S . Code 1681 ( a ) ( e ). My Fourth Amendment right has been infringed on. I am not secure in my papers and I have not had any rights to privacy regarding these companies.

Company response to consumer: Closed with explanation