BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-22
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
A coalition of 34 attorneys general led by Illinois Attorney General XXXX XXXX, announced on XX/XX/XXXX, a settlement with Santander Consumer USA Inc. ( Santander ) that includes approximately {$550.00} XXXX in relief for consumers with even more relief in additional deficiency waivers expected. The settlement resolves allegations that Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. 

The XX/XX/XXXX settlement stems from a multistate investigation of Santanders subprime lending practices. In XX/XX/XXXX, the Illinois Attorney Generals office led the coalition in opening the investigation into the largest subprime auto financing company in the country after receiving an increase in consumer complaints related to subprime auto loans. 

Based on the multistate investigation, the coalition alleges that Santander, through its use of sophisticated credit scoring models to forecast default risk, knew that certain segments of its population were predicted to have a high likelihood of default. Santander exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. The coalition also alleges that Santanders aggressive pursuit of market share led it to underestimate the risk associated with loans by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Finally, the coalition alleges that Santander engaged in deceptive servicing practices and actively misled consumers about their rights, and risks of partial payments and loan extensions. 

Under the settlement, Santander is required to provide relief to consumers and, moving forward, is required to factor a consumers ability to pay the loan into its underwriting. I am a customer of this company and I am not happy about this. I seriously want out of this loan if they can do that. I am tired of the high interest rates as well. and they are not reporting my balance correctly to the credit reporting agencies. and they are reporting it as past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE INQUIRIES ON MY FILE. THESE INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THESE INQUIRIES. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE INQUIRIES OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected cons right to privacy and confidentiality under 15 usc 1681. 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 XXXXXXXX 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 repoting agency connot furnish a account with my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the information any other adverse item of information, other than seven year.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any agency if the person knows or has reasonable cause to believe that infomation is inaccurate

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 2021-06-26
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal account was suddenly closed after nearly XXXX years of business this XXXX. I have tried numerous times to get an explanation to what part of their policy I violated. I was never given a straight answer only repetitive answers that told me absolutely nothing to as what I'd done wrong. The company has placed a hold on XXXX some odd dollars and I don't know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/XXXX, my account was closed and {$2300.00} was taken from me from my Bank Of America account with Arizona XXXX  XXXX XXXX XXXX on accusations of fraud. I proved my identity, sent in pictures of my social security card and drivers license, and was verified. I was issued a new card, and was told the money would be reissued to me. I never received the money back, and have been working with both companies for months and I havent seen a XXXX of that money that was taken away.

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 2020-09-07
Company: Experian Information Solutions 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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2020-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
since XXXX XXXX I am traying to transfer my money in a Merril Lynch account ( XXXX ) with no success as today XX/XX/2020 .... 
I contact the bank several times and only receive absurd excuses .as need additional document or need to wait.

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 2020-07-07
Company: Experian Information Solutions Inc.
State: VA
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've made more than the minimum payment due for these accounts but still incurred XXXX late payments on my credit report XX/XX/2020 and XX/XX/2020. 

I've reached out to XXXX 's to correct their error and no response was given. 
I called customer support and they had me email in my bank statements stating it was an error on their payment activity website. I had Autopay still turned on from my old bank account but continued to make timely payments from my new bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'M NOT REALLY SURE HOW I CAME INTO CONTACT WITH XXXX XXXX XXXX COMPANY, BUT AFTER AN AGENT REPRESENTING THE COMPANY CAME OUT TO MY HOME, COMPLETED THE CONSULTATION, I WAS INFORMED THAT I QUALIFIED FOR SOLAR. MY CREDIT WAS RAN AND I WAS APPROVE FOR FINANCING. THIS TRANSPIRED IN XXXX OF XXXX. SEVERAL MONTHS WENTS BY WITH NO CONTACT IN XXXX OF XXXX I CALLED THE NUMBER ON THE CONTRACT THAT WAS LEFT AT MY HOME FROM THE INITIAL VISIT AND WAS INFORMED THAT THE INSTALLERS WOULD ARRIVE THE FOLLOWING WEEK. THEY DID ARRIVE AND THEIR WORK VAN HAD LOTS OF EQUIPMENT IN IT AND ON TOP. I WAS EXCITED THAT MY SOLAR WAS BEING INSTALLED. SOLAR PANELS WERE INSTALLED AND A BOX SIMILAR TO FUSEBOX WAS MOUNTED ON THE SIDE OF MY HOME, NOTHING ON THE INSIDE OF IT, JUST THE BOX. I NEVER HEARD ANY MORE FROM THE COMPANY. THEN XX/XX/XXXX SPRUCE FINANCIAL BEGAN CALLING ME DEMANDING PAYMENT. I REQUESTED THAT THEY HAVE THE COMPANY COME OUT AND COMPLETE THE JOB. THEY TOLD ME THAT I OWED THIS DEBT AND I NEEDED TO PAY IT. I ASKED THEM DID THEY HAVE A NOTICE OF COMPLETION AND THEY STATED YES. I ASK DID THEY HAVE MY SIGNATURE ON A NOTICE OF COMPLETION FOR WHICH I WAS PUT ON HOLD FOR SEVERAL MINUTES. A REPRESENTATIVE RETURNED TO THE LINE AND SAID I'M SORRY BUT YOU HAVE TO PAY THIS DEBT. I EXPLAINED THAT I NEVER SIGNED AND WHY WOULD THEY PAY A COMPANY FOR INCOMPLETE WORK. I FEEL THAT THEY WERE WORKING AS A TEAM. THE COMPANY MAKES THE SALE, THE SALESMAN MAKES THE COMMISSION, AND NO MATTER WHAT, I'M ON THE HOOK FOR THE DEBT.MY CREDIT HAS TAKEN A SERIOUS BEATING. MY CREDIT RATE DROPPED OVER XXXX PTS. I'VE ATTEMPTED REFINANCING TO NO AVAIL DUE TO THIS XXXX DEBT. MY MORTGAGE COULD BE CUT IN HALF IF I COULD REFINANCE. I DON'T KNOW WHAT TO DO. IF I SELL, I HAVE TO PAY THE FINANCE COMPANY, LOSING XXXX IF YOUR ORGANIZATION CAN NOT HELP ME, PLEASE TELL ME WHERE I CAN GO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. 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 2020-07-07
Company: Consumer Portfolio Services, Inc.
State: LA
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:
I was contacted about making payment arrangements in my account, I was paying as often as I could and trying to stay as caught up as possible. At that time I was laid off at the time. I didnt want to haves late payment hit my credit report so I asked the representative that I made arrangements with. She stated to me that the company only reports late to the credit bureaus after 60 days. Not at 30 or anytime between 30-60. I did t realized u til months later while applying for a mortgage that they did indeed report to the bureau When I wasnt 60 days late. I tried contacting them when I found out and spoke with a XXXX on XX/XX/07 via their chat system. He was very rude and told me that I did not talk to anyone in his department that would have told me they only report at 60 days because everyone in his department knows they report at the 1st of every month. I never told him I spoke with someone in HIS department ... I dont even know what HIS DEPARTMENT is. I just informed him that I was told inaccurate information and now my credit is suffering because of the miscommunication and missed info. I believe that this is inaccurate information and the company refused to take care of it. I was never 60 days late and he verified that as well I was 54 days late for XXXX and XXXX but they still refused to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: EQUIFAX, 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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, INC.
State: MD
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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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, U S DEPT OF ED/XXXX. 
Company Inquiries XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX/XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX  ACCT XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been trying to send documents to Transunion to a fax number they gave me : XXXX for three days. I have used the resend button on my office fax machine so that it continues trying to send, to no avail. I even walked to XXXX 's to try their fax equipment, as well as my IT department, who said a credit agency 's fax should be set up to accommodate consumers. 
To get through to Transunion, there is usually a wait time of about 45 minutes before you get an agent on the line, who, by the way, is in a call center outside the US. The first time I spoke to one, he said he had a lot of static on the line and could n't hear me. I had to try again and wait yet another 30 minutes. They are very brusque, quite rude in fact, and told me that I must keep trying that fax number because there 's nothing they can do about it. Meanwhile, I have a very time sensitive and expensive situation on my hands. 
I legally changed my name, a very simple change, such as, ( and this is an example, not my real name ) from XXXX to XXXX. The middle initial and surname remain the same. Since I am in the process of purchasing another property, a credit report will be generated but it will have my " old '' name and not the one on my bank accounts, ID or credit cards. Hence the urgency with which I need this handled. 
For XXXX and XXXX it was a breeze ; for XXXX, you simply go to their website and upload the documents and for XXXX you send the paperwork to an email address. Transunion remains in the stone ages -- who uses a fax machine anymore? 
This is shameful and an egregious example of how credit agencies impact our lives -- we are at their mercy, yet when we try to consult with them to rectify things, they fail miserably.

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 2020-05-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE.THESE DEROGATORY ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S ACTIONS AND I HAVE BEEN LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY THIS INDIVIDUAL TO BE ABLE TO DO SUCH A THING TO MY CREDIT FILE. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING SO DAMAGED. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE DEROGATORY ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2018-09-20
Company: Ad Astra Recovery Services Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a a unverified account from AD ASTRA RECOVERY SERVICES. I had previously disputed this account. I have never done business with AD ASTRA RECOVERY SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AD ASTRA RECOVERY S ERVICES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. )
An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AD ASTRA RECOVERY SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 
______________________________________________________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Eastpoint Recovery Group, Inc
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A representative of East Point Recovery ( XXXX ) XXXX-XXXX contacted me by phone regarding a debt my son has in collections. 
I believe they violated numerous articles of the FDCPA : 1. I know they have a way to contact my son directly ; they had called him earlier the same day on his personal cell phone to try and negotiate payment. 
2. They threatened that my son could be arrested for Jewelry theft for an outstanding debt to XXXX XXXX XXXX. 
3. They disclosed my sons debt to me, and that he also has a previous arrest on his record for a XXXX. That has nothing to do with debt collection, and is just malicious to contact family members regarding legal history. 
4. Upon answering the first call, they got my attention by telling me the last 4 digits of MY social security number. At this point I informed them I am not responsible for my sons debts, that they should contact HIM, please don't call me again, and hung up. 
5. They called back on an unlisted number and asked if I still owned my XXXX XXXX XXXX. Threatening, and an obvious ploy to coerce me into paying. I informed them they have no right to any of my PII as I do not do business with them, and that I didn't appreciate them revealing my information or that of my sons without cause. This time, they hung up on me. 
6. I called the number from another phone number to obtain the name of the company, and they IMMEDIATELY called that number back also in an attempt to find out why I called. 
Altogether a very unprofessional, coercive, threatening, and maligning series of phone calls. I don't know if it is their company policy to violate the rules that protect people 's rights during the debt collection process, or if this particular employee just enjoys harassing people.

Company response to consumer: Closed with explanation