BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased this car in XXXX. The amount I owe isnt correct. This car was repossessed in XXXX due to me not being able to make payments. They keep re-aging the dates and the account is open. This has been on my account for 6 years. I have tried to get this disputed several times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: CA
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:
Accordance with the fair credit reporting act XXXX  acct # XXXX was violated my rights. 15 usc 1681 section 602a states I have the right to privacy. 15 usc 1681 section 602a section 2 it also states a consumer reporting agency can not furnish a account without my written permission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Google Compare Credit Cards Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I sent the gift card to someone and they can't be able to redeem it. I emailed Google, the credit card and the XXXX XXXX won't help me with my situation. In attachment document... I have proof that there is no XXXXXXXX XXXX gift card. on XXXX XXXX account. Then XXXX response was send her a card so she can redeem it. I told them that we aren't going to redeem it, we want our money back. They won't refund. 


They didn't warn me on website that this card isn't like the other gift card. They didn't explain what this gift card is on their website. 

They didn't explain what redeem is ... and how to operate it. I don't know how to use it. 

I thought that I can use it to transfer to my bank account. I thought it was like XXXX gift card. 
XXXX gift card maybe the same way now, because I have never bought their gift card. 

I am XXXX XXXX XXXX female and I do not want to use this to play games that I won't enjoy at ALL. I don't know anybody I can give it to .... I don't know if anybody play games on google play on cell phone. 

I need my refund back... they need to figure out how to cancel this gift card, because this isn't fair. 

I don't want my {$500.00} to be stuck on this gift card. They didn't even mail me a gift card... I don't know how to use this... Please help me. 

Look at XXXX 's account... there is no gift card on there... 

I sent the gift card to XXXX 's email account. 

My email account is XXXX XXXX won't talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: Ocwen Financial Corporation
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On  XXXX   XXXX  at  XXXX    XXXX   I received a voice mail from Ocwen stating that the message was " an attempt to clergy a debt. '' On  XXXX   XXXX  at  XXXX   XXXX  I received the same call with the same message. I am certain that this is a violation of the FDCPA.

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 2022-09-07
Company: FIRST HERITAGE CREDIT LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I feel my consumer rights have been violate by First Heritage Credit. I recently received my XXXX report. To my surprise on section 8 i had a small claims judgement. I had no knowledge of. I called the clerk 's offices and asked about this judgement. The lady stated i was served on XXXX XXXX. I told her no one had served me anything. The lady stated they can tape it to the door. I told her no one left anything taped to my door. She looked to see where it was left. But she couldn't find where it was left. Only a note stating i was hostile and uncooperative. She told me the judgement was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cents. I told her i never received anything about this judgement. She stated because i didn't show up for court. The courts side with First Heritage Credit. She told me i can write the courts. On XXXX XXXX i received an alert from XXXX XXXX letting me know First Heritage ran my credit. I called CFPB to file a complaint on them. The agent i spoke with told me to call First Heritage. To see why they ran my credit. I called First Heritage and spoke with XXXX. She stated as long as i owe them, they can run my credit anytime. XXXX stated i was served on XXXX XXXX. I told her i was never served and that was a different date from the courts. XXXX stated the could be the wrong date. She placed me on hold. Then the manager XXXX took over the call. He stated the same thing about running my credit. I asked when i supposed to been served. He said XXXX XXXX. XXXX stated the balance was over XXXX XXXX dollars and some dollars. How would you like to pay this. I told him my ex-husband the one whos been paying this. He stated spouses do it all the time. I asked him for a printout of the payment history. The one they gave me i gave it to my divorce attorney. It had on it the husband made payment or made a payment arrangement. He said no get it from your attorney. I called the corporate office at XXXX. I was transferred to the audit compliance department. I spoke with a XXXX told her what happen. She stated the same thing about running the credit. XXXX in the audit compliance department stated my balance was XXXX XXXX dollars but that could be wrong. The account was charge off XXXX XXXX. This company is reporting inconsistent. This account was update on my credit report XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
TransUnion needs to fix the issues about the inaccurate information for the account and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and account that I am disputing : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX  XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXXF Date of inquiry XX/XX/2021 AXXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021

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 2019-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been having issues with my credit report, somebody put 2 credit cards in my NAME THAT I NEVER AUTHORIZED signed for EVER! One named XXXX XXXX, the other being XXXX XXXX XXXX XXXX. I have disputed this information with the bureaus and with the company, I am a male, a female has done this without my authorization, there should only be medical bills and student loans on my credit report, I have no credit nothing in my name at all. You should all investigate what IP address was used as well as signatures used because I NEVER signed for anything. I would like to get this resolved, its reflecting on all my bureaus and hindering me, I want this to be thoroughly investigated and removed and or associated with my name immediately. I also want them deleted from each bureau and I would like an updated copy reflecting that.

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 2022-09-07
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: Account information incorrect

Complaint:
This company reinserted an account without sending me a notice within XXXX days causing my credit score to drop not being able to qualify for a home loan. Per law they had XXXX  days to send notice of reinsertion, and they chose NOT to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in XX/XX/XXXX & XX/XX/XXXX, I settled all accounts I had in collections by paying off balance agreements in full via check and a couple online thru a debt collector ( who does n't have a positive reputation ) XXXX XXXX who sold my info to XXXX XXXX ... a GA debt collector firm ... both companies involved in major law suits in XX/XX/XXXX and XX/XX/XXXX due to deceptive debt collection practices. I fell victim to a XXXX XXXX wage garnishment myself during that time along with paying off other balances in full. These were all credit cards from roughly XX/XX/XXXX that went delinquent. USince XX/XX/XXXX, I heard nothing from anyone because they were paid off and settled. I am sure you guys know that you guys led to XXXX XXXX 's demise and the law firm closed in XX/XX/XXXX. Two of those partners though have opened a law firm in XXXX, GA under their names Cooling and Winters. Today, XX/XX/XXXX, I get a letter in the mail today in regards to a XXXX XXXX XXXX account claiming I owe over {$2000.00} when that account was settled and paid for back in XX/XX/XXXX. That credit card went delinquent back in XX/XX/XXXX but again I rectified it in XX/XX/XXXX by paying a settled amount a little under {$1000.00}. I called the law firm and the woman I spoke with claimed that XXXX XXXX never notified them my case was closed and then she began to ask me about two other accounts that were settled back in XX/XX/XXXX as well. She brought up XXXX XXXX 's closing and how their old files were transferred ... Of course if this company is own by two prior affiliates. I have the letter I received today. The woman I talked to today did give me XXXX XXXX contact info so I can call them and ask about my closed cases. She said it 's possible where they made the mistake of not properly closing my files. I plan on going to my bank in the morning to get copies of the checks used to pay XXXX XXXX and whatever other payment info. These are debts I do not owe because they were paid over 4 years ago. How can this be rectified? I have also filed a complaint to GA 's Attorney General.

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 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from XXXX XXXX which was made on XX/XX/2016. I checked my credit report, which I acquired from Transinon. I have contacted XXXX XXXX, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been having issues with my credit report, somebody put 2 credit cards in my NAME THAT I NEVER AUTHORIZED signed for EVER! One named XXXX XXXX, the other being XXXX XXXX XXXX XXXX. I have disputed this information with the bureaus and with the company, I am a male, a female has done this without my authorization, there should only be medical bills and student loans on my credit report, I have no credit nothing in my name at all. You should all investigate what IP address was used as well as signatures used because I NEVER signed for anything. I would like to get this resolved, its reflecting on all my bureaus and hindering me, I want this to be thoroughly investigated and removed and or associated with my name immediately. I also want them deleted from each bureau and I would like an updated copy reflecting that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: EQUIFAX, INC.
State: PA
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXXXXXX XXXX {$0.00} ( Original Creditor : ) XXXX {$130.00} ( Original Creditor : ) XXXX XXXX} ( Original Creditor : ) XXXX XXXX  ( Original Creditor : ) XXXX {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Santander Consumer USA 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:
I applied for a car loan through XXXX and I was not aware that they run your credit through numerous companies. I have contacted Santander and asked that they remove the inquiry as well as the credit bureau and it 's still reflecting on my credit!! I did not authorize my credit to be ran through Santander Consumer USA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: World Omni Financial Corp.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, XXXX  failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XXXX/XXXX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Due to an encounter with a scammer, we attempted to recover a {$4900.00} wire sent on XX/XX/XXXX. The normal interbank recovery channels could not recover the wire, so I contacted the receiving bank, XXXX XXXX, for help. They advised that they needed a Hold Harmless Letter from our bank, Chase, to provide further help. 
I requested help obtaining this letter through phone calls, secure online messages, and in-person branch visits. I was directed by representatives by phone and secure message that any branch could help and we needed to talk to a banker. We did so, but every banker and supervisor was completely unaware of a Hold Harmless Letter. 
From my first visit, a banker promised to research the letter and get back to me, but I never received a follow-up communication of any sort. I went to the same branch a second time and spoke to a XXXX XXXX XXXX, a Vice President and Bank Manager of the Chase branch on Montana and XXXX in XXXX XXXX. However, XXXX XXXX was dismissive and rude to me, refusing to help in any way and walking away as I attempted to speak to him. 
I am utterly dismayed that all of Chase 's international infrastructure and reach is nullified by one particularly impolite, inconsiderate, and unhelpful representative that apparently is the only one who can help me obtain a specific type of letter. All of the other channels and departments, including the branch I visited, had little to no information on a Hold Harmless Letter, and none so far have been able to adequately help me. 
Though this letter may be uncommon, I expected a large and well-known bank such as Chase to be able to provide me with more help than referring me to other departments and finally to an essentially antagonistic and belligerent bank manager who simply refused to talk with me at all. I feel abused and scorned by the very bank representatives that I thought were supposed to help me in every way possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX   app requests bank transaction status to deposit funds. App states that  Wells Fargo doesnt s end updated information in a timely manner.

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