BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXX ; account number : XXXX XXXX XXXX XXXX ; account number : XXXX ; XXXX ; account number : 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. 



1

5 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe the information 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 2020-12-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 60 days later I have not received a response yet. I also sent another letter on XX/XX/2020 And still nothing! I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2015-11-13
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, 2015 I rented a car XXXX. I discovered a flat tire within in an hour of picking up the car. Despite numerous attempts, XXXX did not provide any assistance. I could not use the car. 

I reported the incident to Chase that same evening and requested that no payments to XXXX be authorized from my account. Despite my request, charges were posted on my account. 

I submitted a formal dispute to Chase on XXXX XXXX, 2015. In a letter dated XXXX XXXX, 2015, I was informed that my dispute was terminated since XXXX did not respond to Chase 's attempts to " investigate '' it. 

I contacted the manager XXXX directly and she refused to remove the charges. 

On XXXX XXXX, 2015 I closed my account and resubmitted a formal dispute to Chase. In a letter dated XXXX XXXX, 2015, I was informed that my dispute was denied. 

Chase continues to attempt to collect {$1200.00} ( an estimated according to the last bill I received ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: Midwest Recovery Systems
State: MD
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
First of all, i havent received any money from this lender since the XXXX time I Borrowed {$300.00} around XXXX. Paid off loan to lender in two ocassions. The first time I set up a payment plan with them since the amount I owed them came up to be more than the amount I borrowed. I closed my bank account because I did n't want them having my account information. After a couple weeks I was still getting phone calls calling me again saying I owed them more money ; I ignored them. The Most recent pay was about 2 years ago. They harassed me by calling my cell phone and my house saying I owed $ XXXX, when I finally talked to them on XXXX XXXX, XXXX to try to see if they can lower the amount they lowered it to {$510.00} and paid it. They said it was taken care of and there would be no more calls. One week later the calls started again. They said I owed them another $ XXXX. I told them I just paid them last week that I was n't going to give them anymore money and hung up. Since then they 're still calling me from several different numbers. I checked my credit score a couple days ago and on there it shows a collection balance of {$870.00} from a lender I do not recognize and it says I took out the loan in XXXX XXXX, XXXX. THIS IS FALSE. I did not take any loans and I never received any money from them or anyone. I believe these people are renewing this payday loan making it look like I 'm getting this money. The bank account I used at the time and which they have on file is closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: DriveTime
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a vehicle from drivetime. In XXXX I could no longer pay for the vehicle. I voluntarly gave them the address in XXXX where the vehicle was located. They picked the vehicle up shortly afterwards. They have it listed on my credit report as involuntary repossesion. They are falsely reporting information on my credit report. There is no way they could have known where the car was located unless i told them. Reason being my son was driving it down at school at XXXX. My address and address on my loan application is for XXXX NC. When I told them where the vehicle was my son removed his belongings from the car. I spoke with a gentlemen today XXXX XXXX at Drivetime finance he read in the notes it was voluntary. As soon as I informed him that it was listed on my report as involuntary he quickly changed his story.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had numerous problems with the wrong amounts debited from my bank account, numerous escrow and insurance problems and nothing ever seems to get better after two years. The worst home loan company that I have ever dealt with. Most recently XXXX mortgage payments were taken out of my bank account the same week causing me to have a balance in my account of XXXX. I would have not known this if I had n't checked my bank account balance early that morning. If I had n't have checked it I would have bounced several other payments and my card would have been frozen. Not to mention several overdraft fees would have been charged to me. I put an unauthorized debit on the transaction, however my funds may not be available for two days. I ca n't buy gas or groceries for two days because of this. I was told by XXXX that my auto pay would have to be cancelled because a new amount was going to be drafted ( because the previous draft was also the wrong amount ) and then set back up after a XXXX time payment was taken out. XXXX told me several times that I would only be drafted once ... ... ..that is not the case, I was drafted {$350.00} twice in one week. Not acceptable to me ... ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-15
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
On XXXX XXXX 2016 on XXXX of my reports, XXXX and XXXX was reported {$600.00} and on a balance of {$2000.00} ... .. this borrow of bank money or whatever, I never have money from MW REC SYS I do n't know who this is. Midwest recovery Systems LLC is supposed to be the company doing the collection, I have never had anything in collections ever and I have over XXXX accounts and all of them 100 % on time paid off zero balance I have never owed anybody ... XXXX has hundreds of complaints against this reporting agency. Midwest recovery systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: Receivables Outsourcing, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to the ER at XXXX XXXX XXXX after being XXXX as a pedestrian. I paid the bills that XXXX sent me. Receivables Outsourcing, LLC sent me a letter to collect. I asked for a printout of the charges which they sent me. I called XXXX and talked to both of their billing departments and they both said I have no outstanding debt. I called RO LLC and they refused to talk to me without me giving them personal information. I refused to give them my information until they can verify the debt is real from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am a XXXX who as been in practice XXXX years. My monthly student loan payments are almost XXXX of my monthly income. I struggle to make my payments every month. I am current on my loans and have never missed a payment. When I asked my loan servicer to modify my loan terms, I was told that borrowers can only take advantage of reduced monthly payments for a XXXX year period and this option is only offered once throughout the term of the loan. I understand that servicers have options to modify loans because they do so when borrowers are in default on their loans. servciers should offer these same options to those not in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
On XXXX/XXXX/XXXX I had water damage to my home. My insurance company, XXXX covered the claim. The check for the damages was written to both PennyMac and myself. I endorsed the check and submitted it to PennyMac. I notified them that all work was completed. When they had not released the funds by XX/XX/XXXX, I called to inquire. They said they were still in need of a final inspection. The inspection was completed on XXXX XXXX, XXXX. When I still had not received the release of funds, I called PennyMac XX/XX/XXXX. The agent looked over my file, apologized for the delay and said that funds were now going to be released and that I would receive a check in approximately XXXX business days. Two days later another agent called me. I returned the call and was told that they required signatures from me and my contractor for the original bid. She told me the forms would be emailed to me within two days. Now, on XXXX XXXX, XXXX, I still have not received the forms. On the copies of the documents I have, the bids are signed. I called PennyMac Loss XXXX Department and spoke with a manager, XXXX. XXXX said she would " look into it ''. She placed me on hold for over 30 minutes and then the call was disconnected. I have explained the importance of getting this settled immediately. My family is moving. Our has is under contract with a buyer and scheduled to close on XXXX XXXX. The sale will likely be blocked by a contractor lien if PennyMac does not release the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I started GE money credit card for my teeth and vet bills XXXX years ago. I lost my job in 2008 and consequently lost my residence and became homeless. I received XXXX XXXX years ago and live in subsidised housing. I continued to pay XXXX the minimum and XXXX XXXX to this day. The current hardship from Synchrony Bank to pay my loan off is {$55.00} a month for the next for 4 years. I also pay XXXX XXXX {$30.00} a month to pay off another balance. Both would no longer charge interest. I have duly paid these companies in the years that I have had them. How does one justify extortion from these companies that want even more.

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 2020-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX at XXXX westcoast time. I tried to make payment for credit card due date XX/XX/XXXX. ( Capitol One Union Plus ) The system would not accept payment date of XX/XX/XXXX. I called customer service asking why payment system will not allow XX/XX/XXXX as payment date. C/S Rep advised because of East Coast time being XXXX. The payment will only process as XX/XX/XXXX what made my payment late. A {$27.00} dollar late fee was applied to my account dated XX/XX/XXXX. The payment made was dated XX/XX/XXXX. C/S Rep refused to accept payment for XX/XX/XXXX. Spoke with XXXX Account manager refused to reverse late fee {$27.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-15
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am currently in a loan with Santander Consumer USA. My loan interest rate is 19.75 % I have had the loan for over XXXX years the loan started out at {$14000.00} and since then it has only gone down to {$12000.00}. I have recently seen a news article about usury loans against Santander consumer. There was also a point in time where for XXXX months where they lowered my monthly payment and did n't tell me it would only go towards my interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Santander Consumer USA Holdings Inc.
State: DC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I sign up for this loan XXXX unaware of call loans and terms. This company completely took advantage of me, number the car was voluntarily given up although not noted on my credit report. In conjunction the amount is not correct at all as the car was almost paid off! This company is a complete rip off who takes advantage of customers with less than satisfactory credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My loan started off roughly at about {$17000.00} back in XXXX. It is now XXXX XXXX and at this point my pay off is roughly XXXX. I cant understand how I am only showing that about a XXXX dollars has been paid towards my car loan. The lender will not provide a payment book.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
i was scammed with a vehicle given fradulent XXXX that didnt belong to the car who was wrecked prior to my sale and repaired then was forced into this loan lost my job due to health issues and car was repossesed now they have offered me a settlement and i gave i but they refuse to update my credit file as its being reported unaccurately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2016-07-16
Company: CITIBANK, N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for Citibank 's Citigold account via a promotional code ( XXXX ) in XXXX 2015. The promotion was to to earn XXXX XXXX XXXX AAdvantage miles. I met all the requirements months ago, and yet the miles still have not been deposited into my account. I spoke with and messaged Citibank multiple times over the course of the past few months. Each step along the way, Citibank assured me that the promotion code was good, that I was eligible, confirmed that I had met all the requirements, and that I had met all the requirements in the time required ( i.e. before any deadlines ). NOW, they are refusing to honor the promotion and will not give me the XXXX miles. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-04
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold account XX/XX/2016 with a promotional offer of XXXX XXXX XXXX miles if I meet certain requirements. I met all requirements in XXXX 2016 and emailed Citi to confirm my eligibility and that I have met all requirements. A Citi representative replied to confirm everything and said I would receive XXXX miles in XXXX 2016. XX/XX/2016, I called Citi again to ask where the miles were. They opened an investigation to verify my eligibility and promised to have an answer in 5 business days. I made two additional calls to Citi after that in XXXX 2016 to follow up since I still have n't received the miles or a decision from Citi. I was told that they were still researching the issue and would let me know soon. During this time, I 've been charged $ XXXX monthly service fee already. I got so tired of this and I did n't know why they still needed to verify something that was already confirmed by them in the past. I do n't know much longer it would take, so I 'd much appreciate your assistance regarding this matter.

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 2016-12-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
THIS IS A COMPLAINT AGAINST CREDIT CARDS OF THE CITI BANK. I AM A CITI GOLD CLIENT, I HAD WITH ALL THE PRODUCTS IN WHICH THE CREDIT IS THERE, CITI PRESTIGE, CITI THANK YOU, CITI COSTCO, CITI HOMEDEPOT AND CITI BEST BUY. My MI was stolen. They opened my wallet at an XXXX mall in XXXX, and they took my purse, credit cards and other belongings. I MAKE THE REPORT TO THE POLICE AND AFTER CALLING THE BANK, BECAUSE THE THIEVES TAKE CONTROLS PAYED MY CREDIT ACCOUNTS AND THEY DELIVERED THE MONEY AND LEFT ME WITH AN IMPAGABLE DEBT, BUT YOU KNOW THAT THE REACTION OF THE BANK IS CLOSING ME THE ALL ACCOUNTS, WHEN THE ONLY THOSE WHO HAVE BEEN AFFECTED WERE THE PRESTIGE OF CITI. CITI THANKS AND CITI COSTCO, BUT THEY ARBITRARYLY CLOSED ME ALL THE ACCOUNTS, WHEN THERE IS A POLICY THAT IF THEY ARE NOT CUPABLE OF THE ROBOT, THAT THE BANK IS RESPONSIBLE FOR THE CASE AND DELIVER ALL MONEY TO THE CARD, OBJECT OF XXXX BY THE EXECUTIVES OF CITI BANK, NEVER SENT ANOTHER PLASTIC AND HAVE CLOSED ALL THE CREDIT CARDS WITH HIM, AND HAVE BEEN SO LIEF THAT THEY SAID I HAVE SENT THEIR PLASTIC, HAVE NEVER COME AND LEAVE ME WITH THE DEBT, THE WORST THAN THESE BEARS BEFORE The robot was a customer who paid everything I have consumed and never left with payments and paid the TOTAL DEBIT, AND FOR A STOLE THAT WAS NOT MY FAULT, I WAS CLOSED BY THE ACCOUNTS AND ARE SO ABSOLUTE TO TELL ME YOU CAN APPLY AGAIN. IF AS IF THEM AFTER THE HISTORY THAT HAVE I GAVE ANOTHER CREDIT, THE XXXX OF ALL THIS IS THAT THE MONOPOLY OF THIS COUNTRY IS MANAGED BY CITI BANK, NOW SAY WHO IS GIVING ME ANOTHER CREDIT CARD? I HAVE A CREDIT FOR ABOVE XXXX POINTS AND HOW THEY HAVE THE XXXX NOW I CAN NEVER BE ABLE TO HAVE A CREDIT CARD

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 2020-12-14
Company: First National Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I was contacted without consent by stated company for an attempt to collect a debt not owed to stated company. 
In due to lack of consent I have been threatened under distress to pay stated amount without validation not verification of amount owed. Also in deception that stated company was legally allowed to collect such stated debt. 
I am requesting immediate action from stayed company as I have sent affidavits and invoices for caused injuries & damages. Due to me being a victim of identity theft, so be it ;

Company response to consumer: Closed with explanation