BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-16
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I entered into a lease contract with Chrysler Capital in  XX/XX/XXXX  I was unhappy with the vehicle and wanted to trade it in. I went to   XXXX   XXXX   and negotiated with the salesman for the purchase of a   XXXX   XXXX  . In one part of the negotiation he agreed to pay off the lease if I would put {$3000.00} down on the  XXXX . I advised him that I did not want to put {$3000.00} down on the  XXXX  because I was going to be purchasing a house soon. He came back with a deal where I did not have to put anything down on the  XXXX  but I would need to pay off my lease and they would give me {$1000.00}. I accepted the deal. He advised me to wait two weeks before calling to pay off the Chrysler. This would be after the 5 day " cooling off '' period that the dealership advertised.
When I called Chrysler Capital to end my lease they informed me that I would need to pay almost {$1000.00} in early termination fees and the vehicle would be sold at auction and I would be responsible for the negative equity. Of course, I declined and ended up with two vehicle payments and insurance fees.
In   XXXX   I entered opened escrow to purchase a house. Because I had two vehicles I was unable to qualify for a lower interest rate without having to buy down the rate. At the lender 's request, I paid off the balance on the lease. To improve my situation I attempted to trade in the Chrysler and the   XXXX   to   XXXX   XXXX   however they were unwilling to assist me.
Due to the salesman 's deceit I had to pay off my lease early yet can not turn in the vehicle early without incurring exorbitant fees, I had to pay {$7000.00} in closing costs for the mortgage because I could not qualify to add the fees to the mortgage because I had two vehicle on my credit. If the salesman had been honest with me I would either have negotiated a different deal for the  XXXX  or I would have walked away from it completely. His deceptive tactics have caused me irreparable financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: TRANSWORLD SYSTEMS INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX Principal. {$5500.00} Pre-placement interest. XXXX Collection costs. XXXX Total balance XXXX They have start taking money out of XXXX XXXX check XX/XX/XXXX. I was told by Transworld systems Inc and XXXX XXXX XXXX XXXX XXXX XXXX said they will offer a buy out in XX/XX/XXXX. I 've heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I HAD MY ID STOLEN EARLY   XX/XX/XXXX  AND DID N'T REALIZE IT TILL RECENTLY. I HAVE FILED EVERY FRAUD REPORT AND ID THEFT REPORT AS WELL AS FROZE MY ACCTS. I HAVE NOTIFIED ALL THE CREDIT AGENCIES AND CONTACTED THE CREDIT CARD ACCOUNTS THAT WERE OPENED OR ATTEMPTED TO OPEN TO NOTIFY THEM OF THE THEFT. HOWEVER, CHASE CREDIT CARD COMPANY CONTINUES TO RUN MY CREDIT ALMOST 2 TIMES PER MONTH EVERY MONTH AND NOT CALLING TO VERIFY MY INFORMATION AS REQUESTED. I HAVE CONTACTED EVERYONE AND THEY ALL SAY OH WE WILL STOP THIS BUT THEY CONTINUE TO DO IT EVERY MONTH. THE MOST RECENT IS  XX/XX/XXXX  AND  XX/XX/XXXX . M Y CREDIT SCORES WERE OVER  XXXX  AND I HAVE BEEN SAVING FOR A HOUSE AND NOW MY CREDIT IS IN THE  XXXX  DUE TO ALL THE HARD INQUIRIES FROM CHASE BANK. I DO N'T KNOW WHAT ELSE TO DO? PLEASE HELP! I HAVE ALSO STARTED A CASE WITH  XXXX    XXXX   XXXX   XXXX   TO HELP WITH THIS BUT ITS NOT DOING MUCH GOOD EITHER. WHAT CAN I DO?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX  XXXX / Account number XXXX, XXXX XXXX, XXXX. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 reporting agency can not furnish an account without my written instructions.

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX  XXXX XXXX Date Opened XX/XX/17 Balance {$4400.00}

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 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 a dispute letter was sent on my behalf to XXXX/XXXX, and the three major credit bureaus ( Transunion, XXXX, XXXX  ) with the intention of opening an investigation hoping to be provided with some form of written agreement stating that this account in fact belongs to me. As this account opened in XXXX of 2014 with a credit limit unknown, appears on my credit file as a charge-off. I have no knowledge of this account, and after the conclusion of the investigation no proof was provided to me proving otherwise although my account has been updated. It is my understanding that if proof can not be provided, the account should not and can not be reported according to the law on my credit file.

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 2020-06-25
Company: Convergent Resources, Inc.
State: NV
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:
I have no knowledge of this account. I have not been contacted via email, mail, or phone. Therefore i have not been allowed my rights to dispute this debt!!

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 2022-09-11
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: Their investigation did not fix an error on your report

Complaint:
I am concerned about the validity and accuracy of your recent investigation of the accounts reporting on my consumer report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Three months ago, I requested an investigation because these items are not being reported accurately. I received communication stating that your investigation was complete. As per 15 U.S.C 1681i ( 6 ) ( B ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information. This would include but not limited to : 1. The name of the agent you spoke with to confirm the accuracy of what you are reporting as well as the name of your agent that spoke with said party. 
2. The time and date on which the communication took place. 
3. All if any certified documents reviewed to conclude your investigation. 
4. A complete copy of all of the information transmitted to the data furnisher as part of the investigation. 
5. Proof of your timely procurement of certified documents.

6. Copies of all correspondence including any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the accounts in question. 

In accordance to 15 U.S.C.1681i ( 7 ) A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

A template response will not be acceptable. Take note, these erroneous entries have been detrimental to my overall credit rating and have caused me severe financial and emotional distress.

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 2022-09-11
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2017-06-16
Company: Meridian ARG Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a phone call this morning from  XXXX . I did not talk to her, but her voicemail stated that she was a "   XXXX   XXXX   '', although it seems irrelevant and I 'll explain why later. She needed me to contact her immediately so legal action would n't escalate any further. She did not say what it was about, what it was for, what the amount I allegedly owed was, who was the debt from, no details just threats.
A few minutes later, my girlfriend gets a call from  XXXX  for the same issues. This time it was an " Agent  XXXX  '' who called. This time she gave a case number as if this meant something.
After this, I went to  XXXX  because whenever I get a phone call from a number I do n't know, this is the first place I go.   XXXX   is a website filled with victims of phone scams and harassment from debt collectors. As it turns out, I 'm not the only one who got the call. It appears that "   XXXX   XXXX   '' or " Agent  XXXX  '' or whatever name she uses or whatever company she claims to be working with has been trying to scam people since  XXXX .
Any debt that I had was taken care of years ago. The only debt I have is with a credit card, and that 's current and being paid. This was not the first time that I went through this so I 'm fairly certain that this phone call is a scam ; a shakedown. If someone were threatening me to take me to court or whatever, I would receive it in the form of a letter or a summons which I never got.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: NY
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:
Every time I reported these issues to the Equifax They are refusing to take it off my credit report these Fraudulent hard inquiries The first one was XXXX XXXX I get back in the country on XX/XX/2021 and see some bunch of inquiries I asked them to take it off they refuse they are saying that the company is reporting that is me I called each one of these companies they they stated I did not apply anything and send letter to me stated they have not found no inquiry with my name on it from them so they can not help me I have to care XXXX XXXX to court for them to remove it off my credit report because Equifax is supporting fraudulent activities on XX/XX/2021 We went to court which bank XXXX XXXX in XXXX it is not their fault if equifox is reporting fraudulent things are not reaching out to them but they will work with me to resolve the issue it shouldnt be me taking banks to court that is causing me money to do Equifax work it is unfair and I need someone to help me talk to these people I will find a way to sue equifax for each damage they have done to me and I will need help with that

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: GA
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:
ATTN Fraud Department : Remove fraudulent accounts 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 explanation
Consumer complaint received 2021-05-12
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
You can see I have made {$6400.00} worth of payments ( 14 months of {$460.00} XXXX {$230.00} twice a month ) ) and it's showing I still owe {$4700.00}. 

This high of APR should be illegal!! I want this loan paid in full. {$1200.00} is enough interest for the company to earn in 14 months. 


Funded Original Loan Principal Amount XXXX Funding Date Tuesday, XX/XX/XXXX Final Due Date Friday, XX/XX/XXXX Loan Principal Remaining XXXX Total Past Due Balance XXXX Next Payment Due Date Friday, XX/XX/XXXX Next Payment Amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL
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 am reaching out in regards to my my payment history. I would like to update it with late payments removed. The reason being is because these reports on my consumer report are causing me extreme stress. I am stressed because its not supposed to be there also making it hard for me to network. I seriously dont appreciate this. This is literally causing me hardship, these illegal practices being done! Late payments are literally illegal, Billing Error 15 U.S code 1666b. I would like to demand these be removed. Please help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX : XX/XX/1989 Last 4 of social : XXXX To whom it may concern, There is an ID Fraud Alert listed on my credit file, it was placed on my file on XXXX as of XXXX I no longer need this fraud alert or Extended Alert listed on my file, I have attached a notarized copy of my address. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Associated Credit Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice dated XX/XX/XXXX from an agency by the name of Associated Credit services. The notice stated the letter was an attempt to collect a debt. I never had an account with this agency. I sent a cease and desist as well as an notarized affidavit of truth dated XX/XX/XXXX sent certified mail on XX/XX/XXXX. I have since received another notice to pay with no reply to request of information requested in cease and desist that was sent. Pursuant to U.S. Code 1692b any debt collector communicating with anyone other than the consumer -shall not state that such consumer owes any debt. This company is furnishing this alleged debt on my credit report 's. I am a federally protected consumer and this agency did not have my written permission or prior consent to furnish or collect any of my information. I owe no debt to this company this debt is alleged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: SYNCHRONY FINANCIAL
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted through mail by   XXXX   XXXX   stating that I owe d Synchrony B  ank/ PayPal Extras MAsterCard {$4200.00}. I asked for an investigation into the account because I had not set-up a PayPal Extra 's account. I re ceived from  XXXX  a stack of old statements which told me nothing about who had opened the account or who had made the purchases. I contacted  XXXX  and they said that was all the info they had. I, then, contacted Synchrony Bank disputing the charges and requested they look into the matter. After months without word, I became worried because of my pending divorce and I thought it would look bad on me for having debt that was n't being paid. Therefore, I made an electronic paym ent ( c heck #  XXXX   )  to  XXXX  on  XXXX   XXXX ,  XXXX  in the amount of {$150.00}. The next month,  XXXX   XXXX ,  XXXX , {$150.00} was debited from my checking accou nt (  check #  XXXX  ). On  XXXX   XXXX ,  XXXX , another {$150.00} debit was made to my checking account  ( ch eck #  XXXX   ).    On  XXXX   XXXX ,  XXXX , I received a letter from Synchrony Bank informing me that an investigation had been completed and had been resolved in my favor. After contacting  XXXX  and Synchrony Bank, I was told by Synchrony Bank to put a request in writing, to them, seeking a refund for the {$450.00}. On  XXXX   XXXX ,  XXXX , I had  XXXX  Law Fir m ( pe r  XXXX   XXXX   ) s end a letter on my behalf to Synchrony Bank requesting full restitution. As of  XXXX   XXXX ,  XXXX , I have not received restitution nor have I been contacted by Synchrony Bank.   I thank you for your help in attempting to resolve this matter.  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 2021-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir/Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


PLEASE REMOVE FRADULENT ACCOUNTS & INQUIRES BELOW!!! 

1. Identity Theft CAPITAL ONE Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Enclosed are the following : A copy of my driver liscense. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent informatio

Company response to consumer: Closed with explanation