BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-05
Company: Experian Information Solutions Inc.
State: MN
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:
The following addresses listed as my personal information on my Experian and XXXX credit report is inaccurate : 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. The addresses are not my addresses and I have never resided at the above addresses.

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 2021-02-04
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I entered into a contact with Santander Consumer USA approximately 31 months ago. The amount of {$13000.00} was financed, at an interest rate of 23.8 %, for the purpose of purchasing a 2015 XXXX XXXX XXXX ( VIN : XXXX ) from XXXX XXXX ( XXXX, FL ). To date, I have paid Santander the amount of {$12000.00}, over 31 months, toward satisfaction of this loan. 

While I have paid {$12000.00} over 31 months of a 72-month loan taken in the amount of {$13000.00}, and tried to satisfy his obligation early, Santander demands yet another {$11000.00} ( {$23000.00} in total, at a profit of nearly % 70 ) before it will release the title. Profiting in the amount of {$9700.00} from lending me {$13000.00}, over 31 months, would seem to constitute usury and violate clearly established laws governing consumer protection. 
The GAP insurance product that was sold to me by Santanderthat added nearly {$1000.00} to his loanhas already been declared unlawful.https : XXXX. Subprime, predatory lending practiceslike what occurred herehave already resulted in a number of consent decrees against Santander.https : XXXX. 

Like millions of Americans during the pandemic, I experienced some financial hardship as a result of lost income stemming from the impact of COVID-19. During this period, Santander offered assistance through loan extension programs. While these extensions were marketed as COVID-related relief, Santander applied an additional {$610.00} in undisclosed fees to the account, which I was not told about. The extensions also resulted in additional interest under terms that were not clearly defined at the time they were marketed as pandemic relief.

The Truth in Lending Act ( TILA ) aims to ensure that borrowers such as myself receive a clear and understandable layout of certain costs and terms. TILA also requires lenders to lay out the terms in a uniform way, and make the risks and costs of borrowing transparent, and to protect consumers from predatory lending. The terms of my loan with Santander fail to satisfy TILA requirements on a number of fronts. Particularly, those provisions identified on Page 3 ( OTHER IMPORTANT AGREEMENTS ). At no time did I understand that even if I were to pay off this loan 42 months early that I would be liable for an additional {$9700.00} beyond the principal amount borrowed. 

The below calculations explain the problems with my loan. I'm seeking a settlement for the rest of this loan. Paying Santander Consumer USA nearly 170 % of the loan amount he received is outrageous. 

Amount Fin. {$13000.00} Total Paid : {$12000.00} Applied as follows : Interest : {$9300.00} Principal : {$2400.00} Late Fees : {$360.00} Misc Fees : {$250.00} Payoff Quote : {$11000.00} Final Amount : {$23000.00} ( 69.54 % profit ) Profit : {$9700.00} over 31 months

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: NC
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 am submitting this on my behalf without any third parties. I am a victim of identity theft, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days. XXXX is denying me from submitting disputes online when I didnt give my consent for these accounts to be furnished in the first place. They arent notifying me when a dispute is finished and the same accounts are saying, dispute isnt available. Lastly, an employee told me, EXPERIAN are the ones disputing on my behalf. Thats identity theft. Any person, which includes an organization, who willfully and knowingly obtains information on a consumer, like me, from another consumer reporting agency, without the written instructions or authorization pursuant to 15 U.S.C. 1681b, is information obtained under false pretenses. You have no lawful authority, this is a crime under title 18, and fines are described in 18 U.S.C. 3571. Ive been disputing the SAME accounts for over a YEAR now. Thats a violation of 15 U.S.C. 1681n and 15 U.S.C. 1681o, XXXX is willfully and knowingly allowing this. I am demanding consideration and deletion of these accounts. Please look at the attachments/exhibits.

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 2022-02-05
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have had a business online banking account with First Citizens Bank for years. In XXXX of 2021, First Citizens changed their BOB system and began charging a $ 15 monthly fee. I did not request the change and I did not consent to it. The account charged was an account that had all payments automatically deposited and bills automatically drafted. I did not notice the change until reviewing statements in XXXX when I noticed {$160.00} of charges. I requested the BOB account be changed to the personal system and a refund of the charges. I was refunded {$90.00}. I am requesting a refund of the remaining {$75.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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 2022-02-24
Company: FirstPoint Collection Resources
State: NC
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 am submitting this on my behalf without any third parties. I am a victim of identity theft, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days. XXXX is denying me from submitting disputes online when I didnt give my consent for these accounts to be furnished in the first place. They arent notifying me when a dispute is finished and the same accounts are saying, dispute isnt available. Lastly, an employee told me, XXXX are the ones disputing on my behalf. Thats identity theft. Any person, which includes an organization, who willfully and knowingly obtains information on a consumer, like me, from another consumer reporting agency, without the written instructions or authorization pursuant to 15 U.S.C. 1681b, is information obtained under false pretenses. You have no lawful authority, this is a crime under title 18, and fines are described in 18 U.S.C. 3571. Ive been disputing the SAME accounts for over a YEAR now. Thats a violation of 15 U.S.C. 1681n and 15 U.S.C. 1681o, XXXX is willfully and knowingly allowing this. I am demanding consideration and deletion of these accounts. Please look at the attachments/exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} 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

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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am attaching the loan verification letter from XXXX XXXX. These accounts were closed and consolidated into 2 loans, but my credit reports are still showing them open. I would like them removed completely from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
While in flight on a XXXX flight they advertised XXXX XXXX Credit Card which provides for priority boarding, free standard check bags and united passes. I was able to fill out application inflight by connecting to the XXXX XXXX. My application was approved and instead of giving me the XXXX XXXX credit card they advertised they issued an XXXX XXXX card that does not offer any of the benefits that XXXX XXXX card they advertised. The XXXX XXXX card is issued by Chase. It is a classic baiting and switching.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2023-11-21
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
I am an employee of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have undergone extensive vetting and no financial irregularities were found in my background. 

The thrust of the SunTrust allegations are XXXX pages of charges that are identified by the name of " XXXX XXXX '' with no address, no social security number, and no personal identifying information. In fact, the documents do not have an account number. Furthermore, each XXXX of the XXXX pages are marked as " XXXX XXXX of XXXX '' so this is not a running list of charges. In addition, there are no vendors listed and no vendor identifying information - only amounts and dates. 

In XXXX, an author named XXXX XXXX wrote a book entitled " XXXX XXXX '' which chronicled how this kind of paper is created in order to exploit consumers. The " paper '' sells for pennies. He said that in one such " XXXX XXXX '' foreclosure, the Defendent merely asked for a " sworn statement '' from the bank attesting that the charges were made by the Defendent ; and the bank immediately dropped the foreclosure. 

It looks like Truist sold this " bad paper '' on XX/XX/XXXX for {$2400.00}. On the other hand, I have spent a small fortune on my home and it is worth {$400000.00}. This is an illegal foreclosure that must be stopped!

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2022-02-24
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
As per the limited time waver ( 1 year to apply ) from the Department of Education and XXXX XXXX XXXX ( FSA ), I would like to know if my XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments will count toward my student loan payment as qualifying months. 
There is proof on file that I was employed by the XXXX of NY for this entire time. Although this was passed in XX/XX/XXXX, no payments have been added to my account. I mailed you the application and I received a letter months later stating that I did not sign the application. I have since mailed you back another signed application and still my account has not been updated. 
I have been calling since XX/XX/XXXX and was told that XXXX is updating my account. To which XXXX stated that Fed-Loan is supposed to update the account. I have called to see when this account would be updated as of today, I was told that it would be another 6 months. 
I would like for this account to be updated as soon as possible. Thank you for your time and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Dear sir, Today, XX/XX/XXXX of XXXX, I have received a letter to ask the further information to support the dispute ; however, there is no indication of claim number. Therefore, I can not send any information regarding the claim unknown. The information is supposed to be sent to XXXX XXXX XXXX, XXXX, XXXX  XXXX. 

Sincerely,

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 2023-06-23
Company: Experian Information Solutions Inc.
State: MN
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:
On XX/XX/XXXX i submitted a dispute with reporting company through the cfpb portal and directly with Experian. I also called and spoken with some one at experian. I told them about the incorrect and fraud inquiries on my credit report in return I sent in attach details with fraud report /from the ftc . police report from the county sheriffs office and submitted my id and ss with address in which in return nothing was removed please remove account XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I HAVE CONTACTED THE CREDIT BUREAUS ALL HAVE TAKEN STEPS TO REMOVE THESE INQUIRES ALL EXECEPT EXPERIAN PLEASE REMOVE ACCOUNTS ASAP

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 2020-01-16
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my mortgage on XX/XX/2019. I made a principal only ( I was specific ) payment on XX/XX/2019 which was credited to my account on XX/XX/2019 {$530.00} as. Mortgage pymt instead of a principal only as requested. PHH Mortgage applies the XX/XX/19 as : Principal Only Payment : XX/XX/2019 {$40.00} & my XXXX pymt correctly : Mortgage Payment Applied : XX/XX/2019; {$810.00}. According to XXXX XXXX # XXXX, the money was placed into a suspense account which differs from the payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Im filling a complaint because Ive noticed trans union, XXXX, and XXXX are reporting false and misleading information on my credit report. Ive sent in dispute letters which are attached below, they contain multiple violations and Im just wondering how theyre even able to obtain, furnish, and report completely false and inaccurate information on consumers report without maintaining XXXX percent accuracy. This is completely against the law, their violating my rights as a consumer. No Im no attorney or anything but I know my rights.We the consumer must ensure the reporting agencies abide by the law, and hold them accountable of their responsibilities in maintaining XXXX percent accurate information and fairness for the right to consumer privacy. the accounts listed in the letters below must be deleted promptly.

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 2023-08-01
Company: Convergent Resources, 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 received a email saying the this company responded to my previous complaint with an attachment but there was no attachment nor response anywhere and my complaint was closed without explanation!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Sequium Asset Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Sequium Asset Solutions is calling me constantly telling me I owe viasat XXXX for a satellite dish they installed on my roof. After I cancelled their service for not being able to provide me with the service I was paying for I explained to them we were older and not well and could not climb on the roof to take the satlalite they installed down.and told them they were more then welcome to come retrieve it from our roof. 
We constantly are being harassed by phone and mail .by Sequium Asset Solutions LLC XXXX XXXX, XXXX XXXX GA XXXX. XXXX ref XXXX I do not owe them any outstanding money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in XXXX of XXXX I gave XXXX XXXX {$980.00} to release me from the apartments. The manager told me since I paid the fee it would not go on my credit but they lied to me. I called the apartments in early XXXX of XXXX about the situation and they said that their system is showing that I never lived there.They also put the wrong name on my receipt in which I still have. I have ask for this to be removed from my credit but its still in there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: JPMORGAN CHASE & CO.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exist. Also the debt does not have the same information on the XXXX and the experian credit report. One says a payment was made in XXXX, the other doesnt. Please see this is inaccurately reported

Company response to consumer: Closed with explanation