BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-11
Company: MoneyLion Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX I switched my direct deposit from one bank to money lion ( XXXX XXXX  XXXX thinking it would help me with cash advance as advertised but it did not for 1 months I waited thinking would be able get cash advance still got nothing so I contacted them. They couldn't give me reason why I couldn't get a cash advance so I asked to speak with a XXXX on 3 different occasions just never got call back from anyone. So few days later I called them back finally spoke with a rude XXXX that couldn't give me a real reason she told me they couldn't identify me but my direct deposit goes to they bank along with my socal # address and all my info but they couldn't identify she says. I asked her if i could cancel my account she told me I had pay interest on loan that was never completed. Won't let me cancel until I pay interest charges

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Here is a brief description of the issue : On XX/XX/2022 I paid in full the remaining of my vehicle loan {$1200.00} to Santander Consumer USA. 
About a month later I received a card with about {$8.00} dollars as apparently I paid this amount in excess. 
After I paid in full I requested documentation that would allow me to request my title without any pending loan. Three times the Santander agents have said they sent the document and I have never received it. My account is closed which makes it incredibly difficult to contact the institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: CORELOGIC INC
State: RI
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:
On XX/XX/XXXX I have filed a police report advising of identity theft and violation of the my right to privacy per the Privacy Act of 1974.

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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
TransUnion is in violation of Pursuant 15 USC 1681i ( h ) ( c ) ( 1 ) ( b ) ( 4 ). Can not obtain my consumer report or credit file with ease, please see attachment. I have provided my government issued ID and mail per there request. Additionally, TransUnion has denied my access to my consumer report information via telephone as well. TransUnion has advised me the Consumer, Natural Person that I can only inquire about my Consumer report via US mail. This is unbelievable that this non-government corporation has control to deny me access to my consumer report that I never gave them permission to create. 


TransUnion has failed to respond to my certified mail and it has exceeded 30 days, as it relates to my consumer report. I have requested my consumer report and credit file but it has been ignored. 

Please see my exhibits for my file number.

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 2022-08-01
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Discover wanted me to go through a " Verification process '' and sent me an IRS form to fill out. They gave me 2 ways by which I could verify my details : 1 ) I could provide Discover with information of the taxes I filed last year ( I did not file any taxes LAST YEAR because I was in XXXX and HAD NEVER BEEN TO THE US!! I entered the country a month ago. ) 2 ) They gave me an option to provide them a notarized copy of AT LEAST 3 MONTHS of my bank statements. ( I could not do that as I was NOT EVEN IN THE US FOR 3 MONTHS. My bank account is 1 MONTH OLD. ) Now they will be closing my card account because they do not have any alternative ways to verify my details. And them closing my account will likely affect my credit score which is very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Cascade CISS Holdings, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was just checking my Account and it states that my credit was checked on XX/XX/2022 by at XXXX  - XXXX. The only reason I am checking is because I just also got an email that a Visa ending in XXXX that I do not own was opened in XXXX under my name as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: PR
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:
An account with XXXX was charged off and sent to a credit collection agency that has been removed from all credit agencies, they are reporting it every month as late payments. I need this mistake removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Shellpoint Partners, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a secomd mortage with XXXX ran into money issues around XXXX and could not make the payment. It was charged off aprox. 8 years ago and doe not even show on my credit report. I am now trying to sell my home and they are wanting the full {$23000.00}. According to Kentucky state law this beyond the statue of limitaions and can not be collected upon. I offered to make a settlement with the company that now hold the accoutn Shell Point Mortage. When I spoke with XXXX at ext XXXX she was attament that i would have to pay the complete balance even after I told her about Kentucky law she stated dosnt matter I would still have to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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:
All Dept EDXXXX accounts are reporting late payments : They each have 1 payment that were not caused by me. These are in deferment. Also it violates 15 U.S. Code LAW 1681i ( 5 ) Removal of Inaccurate and Invalidated Credit Information. As I understand, Im supposed to receive notice within 21 days before a late payment happens but I was not informed otherwise I would have handled the issue.

AND you guys are violating 15 U.S. CODE LAW 1681e ( b ) - Compliance procedures maximum possible accuracy. All of these accounts including the student loans are not reporting the full account numbers which makes the account inaccurate. These are the accounts that are each reporting 1 late payment. 

1. DEPT OF ED/XXXX  Account Number : XXXX 2. DEPT OF ED/XXXX  Account Number : XXXX 3. DEPT OF ED/XXXX  Account Number : XXXX 4. DEPT OF ED/XXXX  Account Number : XXXX 5. DEPT OF ED/XXXX  Account Number : XXXX 6. DEPT OF ED/XXXX Account Number : XXXX 7. DEPT OF ED/XXXX Account Number : XXXX 8. DEPT OF ED/XXXX  Account Number : XXXX 9. DEPT OF ED/XXXX  Account Number : XXXX 10. DEPT OF ED/XXXX  Account Number : XXXX 11. DEPT OF ED/XXXX  Account Number : XXXX 12. DEPT OF ED/XXXX  Account Number : XXXX 13. DEPT OF ED/XXXX  Account Number : XXXX 14. DEPT OF ED/XXXX Account Number : 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 2022-09-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wakefield XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX These are bills which were financed through the charity of the Hospital and through The emergency indigent support for patients whom don't have resources to satisfy emergency medical care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
They are credit inquiries that are on my credit report that I did not authorize authorize or did not apply for.

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 2022-07-29
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have signed up for alerts on my Key Bank checking account. They are almost instantaneous. Deposit alert, large transaction alert, low balance alert, etc. The " Insufficient Funds '' alert arrives in my inbox two days after the event. This way the bank can maximize the overdraft fees. 

This specifically happened to me when my balance was not sufficient to cover a transaction on XX/XX/22. Even though I had deposited a personal check to increase my balance, I was unaware of the bank 's policy to place a hold on the portion of the deposit that is over {$100.00}. In fact, I received a misleading alert that a deposit in the amount of {$300.00} had been made to my account. The bank really should have a disclaimer on that alert saying that certain deposits may be held for amounts exceeding {$100.00}, but if they were transparent that could limit their chances to make millions or billions in overdraft fees. Just the fact that they place holds on local checks seems to be designed to create negative balances. 

On XX/XX/22, two days later, I received the alert to notify me that my account balance was insufficient. This is also by design. THIS SHOULD BE ILLEGAL!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Early Warning Services, LLC
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: Information belongs to someone else

Complaint:
In XXXX XXXX XXXX, a XXXX XXXX XXXXXXXX account was opened under my name that I was not aware of. Ive disputed this multiple times with XXXX XXXX XXXX and Early Warning services however they refuse to remove from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: JPMORGAN CHASE & CO.
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Paid total amount on lease paperwork on XXXX ( {$21000.00} ). They claimed I had to pay sales tax, but refused to give me an accounting. I went to DMV to get the sales tax amount, and paid it on XXXX ( {$1200.00} ) They STILL have not sent me the title to my car. I have tried to communicate with them, and finally, today, disputed the {$21000.00} amount I gave them. They have deleted the account, so I can no longer submit questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: IN
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/2022 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureas and I got a letter stating " They do not report any bankruptcies to anybody. ''So if that is the case, how did the credit bureas edify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section 603 ( 3 ) ( E ) States THE term " investigative consumer report " means a consumer report or portion thereof in which information on a consumer 's charcter, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under USC 1681. According to USC 1681 section 602 A States I have the right to privacy. On or about XX/XX/2022 regarding report number XXXX the correspondance state that experian conducted a reinvestigation but failed to provide me the result of this alledged investigation when XXXX XXXX staes in thers correspondance that they are able to verify the information on the bankruptcy in attemted to get consent when I have the right to privacy under USC 1681 section 102a states I have the right to privacy in both experian and XXXX XXXX both continue to violat 15 USC 1681 section ( 3 ) ( e ) I am requesting that the cfpb hold them accountable for the violations that are continuing as of this date 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 2022-09-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. EXUIFAX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.

Company response to consumer: Closed with explanation