BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-17
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I took out a car loan 5 years ago through santander consumer u.s.a. I have been making payments of {$330.00} for  XXXX  years. My original price for my car loan was just over {$14000.00} and I took out a 72 month loan. I have given this company over {$18000.00} and my balance states that I still owe over {$7000.00}. Last year I inquired as to why my principle was still so high and they informed me that my interest rate fluctuated based on when I made my payment. I looked over the paperwork and it says in there what my interest rate is, which was about 18 %, and it does say it can vary but it says no where in there how they determine the interest rate. So if I was a day late they could jack up my interest rate to the max after  one day l ate. They also reported my payment late for several months even though I have a chat record that says I was never late. They have been preying on my families finances and now I have a car that is at leas t   XXXX   XXXX   under  appraisal and I have no end in sight for my loan payments. I have several chat transcripts that displays their incompetence. I have also requested them several times to send me everything that pertains to my contract and each and every time they send me my payment history and that is it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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:
Theyre different loans reporting on my credit. The loans say closed but the late payments still hurt my credit score I have already turned in police report experian still wont erase from 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 2022-08-16
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
It has been brought to my attention that you are not blocking file when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it was fraudulent & was opened without my consent or knowledge BRCLYSBANKDE XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security 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 explanation
Consumer complaint received 2017-04-20
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX   XXXX   XXXX  the Director/Executor/Beneficiary/Grantor/Sole-Shareholder for ( legal name  XXXX   XXXX   XXXX  )  To Whom it May  Concern and that of management staff This letter is being to you in response to a computer generated, entry, letter view by  XXXX   XXXX   XXXX   XXXX   XXXX  of the accounts for  XXXX    XXXX    XXXX , on  XXXX   XXXX ,   XXXX   and the information obtained stated that your companyAFNI #  XXXX  is handling this debt. Be advised that this is not a refusal to pay, but a notice sent pursuant to NATIOANL BANK ACT, THE FAIR CREDIT REPORTING ACT, THE UNIFORMED COMMERCIAL CODE as well as THE FAIR DEBT COLLECTION PRACTICE ACT. This is a continuing effort and attempt to validate a Debt. Be advised that your claim is questionable and validation, proof of claim and lawful verification is demanded. This is a lawful request in accords with the aforementioned and the following : Fair Debt collection Practices Act,   15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
( a ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive   debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.   ( b   ) Existing laws and procedures for redressing these injuries are inadequate to protect consumers.
( c ) Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.
( d ) Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.
( e ) It is the purpose of this title to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action   to protect consumers against debt collection abuses. I DO NOT HAVE ANY CONTRACT WITH AFNI AND I DO NOT WISH TO DO BUSINESS WITH THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5500.00}, {$2900.00}, {$7500.00}, {$7500.00}, {$15000.00}, {$500.00}, {$3000.00}, {$2700.00}, {$1500.00}, {$30000.00}, {$18000.00}, {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-OPEN ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account. 

-CLOSED ACCOUNTS- 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2900.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2700.00} -This is not my account. 

9. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-19
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XX/XX/2018 Account charged off. {$30000.00} account number XXXX AMERICAN HONDA FINANCE I am this claims to require the sling to please delete this account since I am not the owner ... I demand that you remove all liability ... immediately as I am trying to repair my credit situation and thanks to your credit report error is in bad coditions ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: I.Q. DATA INTERNATIONAL, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX I moved from my old apartment in XXXX Texas ( XXXX XXXX XXXX ) due to military orders. Before I left the apartment I painted and cleaned the place very well. I was sent a bill from the apartment complex a few days later stating that I would be charged for a new paint job, cleaning fees and my last utility bill. I told them I had no problem paying the utility bill but I did not think I should have to pay for new paint, because I lived there for 32 months with out ever receiving a new paint job and I had also repainted the place myself prior to me leaving the apartment. I was told by XXXX XXXX ( the management Representative ) that she would look into the issue. I never received a call back from her, instead IQ data international started to call me and harass me about the debt. On XX/XX/XXXX at XXXX I was speaking to XXXX XXXX at IQ data internantional data about my debt when his manager by the name of XXXX XXXX got on the phone and started to berate me about the unpaid debt and accusing me of " going around in circles '' I told the manager that I am willing to pay what I felt I owed but the manger just kept degrading me and accusing me of trying to avoid paying my debt. The way the manager at IQ Data international spoke to me is unprofessional, rude and degrading. I am concerned that IQ Data will not stop harassing me even after I pay what is the lawful amount of what is owed.

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 2017-04-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid {$9000.00} out of a   XXXX   to " settle '' a debt. They lied and said it was not settled because I owed {$9200.00}?! I would have given them {$9200.00}. At the time I paid the {$9000.00}! They say something different every time and I foolishly did not get something in writing  1st.

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 2022-08-16
Company: EQUIFAX, INC.
State: NJ
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:
It has been brought to my attention that you are not blocking file when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it was fraudulent & was opened without my consent or knowledge XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: Experian Information Solutions Inc.
State: MI
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:
On my Credit reports XXXX XXXX, reported as of 2019 that my card was in charged off status with a failed to pay status. Making it appear to my mortgage lender that I have a recent delinquent account as if this year when I paid my XXXX XXXX credit card in full. I was even told that if I paid the card off in full they would no longer report negative information to my credit report and would remove their negative information. However they keep reporting it on my credit report as FP and it even says PAID. It is not a charge off when I paid the card in full. Charge off means I never paid on it and that the company doesnt expect to get paid.

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 2017-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
inquires are not mine

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 2022-08-16
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have tried to reach Experian credit bureau multiple times and they haven't updated my personal information. They have address listed on my credit report that doesn't belong to me- XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

I called in, I faxed, I did everything that I could, I've exhausted all resources! But it's still there... 

Can you please help me out to get it resolved.

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 2017-08-31
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance through Caliber Home Loans, my existing Mortgage provider, in XXXX XXXX. This originated from a cold call from them to me and I only started this process because I had considered doing a refinance to complete some home improvement projects sooner than I had planned. 

Caliber has since added additional requirements and at each stage, when I have provided everything asked for, or available, a new criteria has been added. 

Now they are DEMANDING that I produce a relative who does not live in my home, and provide contact information for them. When I informed them that the only one I could think of was estranged, and repeated attempts to contact him failed, I provided the information for my child 's mother. 

I was told that this was unacceptable and it was required to be a relative, and since I mentioned that I have a child, I am now required to provide " all pages of documents ''. I have asked what " all pages of documents '' means and advised that if they were implying some sort of court order, that one did not exist and I could not prove the " non existence '' of something. 

The response was that if I did not comply with their policies, they will not process the loan. No response to my questions has been provided. 

This is after a considerable monetary investment of time away from work and out of pocket expenses for appraisals and inspections. 

This is discrimination based on family status and considering that this company had no problem accepting payments for the past XXXX years, they are actively denying a loan based on criteria that has nothing to do with the ability to repay a loan. 

I have the entire email thread to support this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
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:
XXXX and Transunion are not reporting correct information on my credit report. There are collections open and closed that are proven fraudulent but they refuse to properly investigate when I dispute the collections. There are also false names, addresses, credit inquiries all that I have not authorized. As far as I 'm concerned XXXX is aiding and abetting these criminals. I want this company to work with me instead of against me to correct 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 2017-04-21
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am trying to consolidate loans and get them out of default.  XXXX   XXXX  owns the majority of my loans and navient owns one. both were in default. I asked for the  IBR  plan and consolidation to get them all on one payment and was refused by Navient unless I paid them  XXXX  to get it out of default. Then next time I called them it was only  XXXX  dollars but they said I was n't able to consolidate my loans because they were n't federally insured anymore. THey also said I did n't qualify for  IBR  plan no matter what when both  XXXX   XXXX  and usfedaid said I absolutely do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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:
As a consumer I actually have protection under the law that is delivered for me to keep me from misinformation simply being declared on my credit report. At this moment I would like to have a final request for analysis before I talk with my own legal counsel to get information on how to handle incorrect and also unverifiable items that are on-going to be approved as real. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX Balance Owed : {$400.00} XXXX  XXXX XXXX Balance Owed : {$42.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$88.00} XXXX  XXXX Balance Owed : {$1600.00}

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