BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
The following items are found to be erroneous in my credit report. I would like to seek your help to have these items blocked from reporting in my credit report. All the accounts listed below were closed and fully paid to the creditors but the Bureaus kept on reporting the same accounts without supporting documents submitted to me. Besides, they have failed to contact me about the issue which I have already addressed to them in my previous letters. Have these items removed immediately : XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$2200.00} XXXX  XXXX XXXX Balance {$3200.00} XXXX  XXXX XXXX Balance {$3200.00} XXXX  XXXX XXXX Balance {$3500.00} XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance {$7000.00}

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 2022-05-17
Company: CITIBANK, N.A.
State: IL
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:
I submitted my payment electronically through the CitiBanks application. They failed to post the payment. 

To inquire about the problem I spent 30 minutes on the phone talking to 4 different people, with long wait times in between, every time the operators came back from hold they acted surprise that I was still there. 

Not only were they unwilling to resolve their error, they hung up on me. 

The worst part is that this rewards card is the only option for reward through Costco. Absolutely terrible service.

In addition to this. Past experience, they reduced my approved credit line with no notice and they have reported a late payment on my credit that was their fault for failing to process the automated payment I signed up for and have been completely unwilling to fix their error. 

All in all a terrible bank that has no care or concern for their customers.

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 2017-03-21
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX of XXXX I purchased a XXXX XXXX from XXXX in XXXX ca for {$39000.00}. The car was financed by chrysler capital account # XXXX my payments were $ XXXX for 76 months. In XXXX i was injured on the job and was off for several months. i was unable to make my payments for 3 to 4 months. i was given noticed that my car was up for reposession. I called chrysler capital and was told i needed to make a payment of {$2500.00} on XXXX/XXXX/XXXX for them to stop the repo which i did. They further ask me to continue to make my payments plus extra to cover the late fee 's which i did till i was caught up which I have. In XXXX of XXXX i applied for a consumer loan and was rejected because of the entry chrysler capital made on my credit report. Thinking it was the fact i missed payments with them I understood till i signed up with XXXX and it showed that as of XXXX of XXXX no payment were reflected on my report even till current date and that the account was charged off and that the amount they were charging off was {$34000.00}. Believing it was a mistake i disputed this with XXXX, XXXX, XXXX, and XXXX and got my payment history from chrysler capital showing my payments, but their reports never changed. I called chryrsler capitals credit dispute section last week XXXX/XXXX/XXXX and was told that they did receive all my payments, but its their policy that if a payment goes 120 day without a payment that charge it 's off and would normally repo the car, but I had made a arrangement with them so they allowed me to keep the car as long as i continue to make my payments. I kept repeating about the charge off and that normally if a car is charged off they take back the car which would be sold at auction and they would write off the difference for a tax loss. the person in the dispute section said in my case my account is actual still active, but its their policy to charge it off anyway which would reflect on my credit report. i ask so from the time of the arrangement till now all those payments except in your payment history will not show on my credit report her reply was " yes its not a law per se just chrysler capitals policy '' I told her that was not fair and the only thing she could say was " I 'm sorry ''. I also ask how long does this charge off stay on my report even as I 'm still paying she stated 7 to 10 years so no matter how many times i dispute it its still a valid claim which they report to the credit bureaus every month. I ask what if I pay the car off her reply was still it will remain. I 'm at a loss as to what to do my XXXX score is improving, but with that charge off on it without a explanation as to why it says charge off I 'm screwed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: KS
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:
The following items are found to be erroneous in my credit report. I would like to seek your help to have these items blocked from reporting in my credit report. All the accounts listed below were closed and fully paid to the creditors but the Bureaus kept on reporting the same accounts without supporting documents submitted to me. Besides, they have failed to contact me about the issue which I have already addressed to them in my previous letters. Have these items removed immediately : XXXX  XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$2200.00} XXXX  XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX Balance {$3200.00} XXXX  XXXX XXXX Balance {$3500.00} XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$7000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
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:
XXXX 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 a 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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX 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 a 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 2015-12-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit card
Issue: Other

Complaint:
I signed up for a credit card with usaa. They offered me a secured account of XXXX. On XXXX XXXX XXXX I deposited XXXX and they said after 2 yrs, I would go from secured card to a secured platinum master card account. On XXXX XXXX, XXXX I made a XXXX purchase and on XXXX XXXX they withdrew XXXX annual fee. On XXXX XXXX XXXX I paid XXXX securing my balance back to XXXX. Between XXXX XXXX to XXXX, I questioned a few times why I had problems using my card, and no reflection of my XXXX deposit. Each time I was told my payments were not due until XXXX XXXX, and the XXXX was posting on the XXXX XXXX, XXXX. 
On the XXXX XXXX and XXXX, I made purchases totaling XXXX and expecting to pay them in XXXX XXXX. On XXXX, I looked at my account and FULL PAYMENT was due in 2 DAYS and they changed my account to the platinum master card, only I had to USE it like a DEBIT CARD, which I already have. This not what I signed up for and asked to return or prorate my XXXX which they refused. I closed the account, and would like my XXXX thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been sending in a letter, copy of my Texas drivers license, and social security card as requested by Equifax because they changed my birthdate in there system. I have sent in these documents for over a month in a half via mail postal services and fax and every time I call the representative informs me theres nothing they can do and have not received my documents. I have verified the mailing and fax information to make sure it is correct but yet still not getting any assistance. When I ask to speak with a supervisor, I always get advised there is no supervisor available or placed on hold and no one ever return to the call after an hour in a half later. Im sending this information to Equifax information services LLC XXXX XXXX XXXX XXXX, Ga XXXX Fax # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Prepaid gift card of {$200.00} was purchased on XXXX XXXX, 2022. 
Activation would not work on XXXX XXXX, 2022. 
When I contacted the number given on the card, they alleged they would send replacement card that would arrive in 2-4 weeks. 
No replacement card arrived. 
It has now been nearly 2 months. 
When following up, the company now alleges that a replacement card can not be provided unless personal information is shared.

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 2017-01-17
Company: NEW YORK COMMUNITY BANK
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2016 My home was burglarized. I usually make my mortgage payment with NYCB by phone on this day. However when I came home at lunch time about XXXX my house looked like a tornado had gone through. My tax papers, photos every drawer, box, closet everything was strewn about. It took me 2 days to put it back together. 
Needless to say the last thing on my mind was the mortgage payment. However, I did make the payment the next day and asked that they please take the late charge off because of my circumstances. I wrote a letter and have never heard a response. 
Since this time my house was hit by XXXX and it is not live able. We have had to move out to rental house and it has been difficult to get the money released from our mortgage company after our insurance company sends them the money to repair our home. It has been since XX/XX/2016 repairs have just started. They did n't release the money in a timely manner which has now caused more damage and more delay for us to get back in. They are drawing interest on our money for repairs. We are now having to move from our rental home because it sold and we do n't know how long the repairs will take. All this to say please ask them to take any late charges off because of these catastrophic events that have occurred to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: APPLE FINANCIAL HOLDINGS, INC.
State: CO
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Took my XXXX old Mother, who lives in a XXXX to Apple Bank, ( with great difficulty ) on XXXX. in XXXX to put my name on her account since I have a POA, and she is no long capable of transacting business. The VP of the Branch refused to put me on her account, lied to us and claimed some technicality ( which turned out to be false ) as to why she could not put me on the account. Now I can not transact her business, since I live in another state and will not be able to return to remedy this for a few months. 
Then I went to another of her banks ( her account of which I am also on ) and she signed a check to transfer money from her account at Apple. I find out when I return home that Apple refused the check and that I now have a fee, as a result. 
It is difficult to pay her XXXX, due to my inability to access her account. Apple Bank also refused my POA and the same VP said her account statements were going to an address in another state that she had not lived at ( for the past 15-20 years )! These people are not only corrupt, but incompetent as well. I am consulting my attorney and am planning to file a formal complaint with the Banking Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( 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 a 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 2022-05-17
Company: Upstart 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:
15 USC 1681- ( 2 ) ( A ) ( i ) 2 exclusions states subject to section 1681s-3 states : Any report containing information solely as to transactions or experiences between the consumer and the person making the report. 
This means it's a violation of the FCRA to report late payments as they are transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Diversified Consultants, Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Diversified Consultants Inc. ( DCI ) is reporting a debt to the Credit Agencies, and has never contacted me. I do not know them, or have I ever done business with them. I recently pulled my credit report, and DCI was reporting on to all XXXX agencies since XXXX 2016. I have never received a letter or notice from DCI, I never gave my prior consent, and was never given the option to dispute. 
On XXXX XXXX, I sent DCI a letter, see attached, in the absence of prior consent, or content from a court, they are to cease and desist until consent if obtained or provided. I to date, have not received any communication from DCI. Without being given the option to dispute, this entry has been in my credit profile for four months. 
Lastly, I am a victim of Identity Theft. I have no idea where DCI obtained my information, and again I would have clarified this situation, but was denied the opportunity to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
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: Problem with personal statement of dispute

Complaint:
hello i am very upset that XXXX decided to appear on my Experian credit report and not only that they reported the wrong current balance which should be {$12.00} plus this is the last installment payment i reached out to Experian and of course they did nothing, here is the problem don't show up on my credit report at the last payment reporting inaccurate information, I really wanted to like XXXX but this XXXX has took the cake, Experian 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 explanation
Consumer complaint received 2016-10-10
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was recently declined a loan. After reviewing my credit reports, there are some major errors regarding an old auto loan. I originally had a loan with XXXX, which was sold to Santander, I believe XX/XX/XXXX when Santander purchased their debts. I defaulted starting in XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX the car was repossessed. The date of initial delinquency was XX/XX/XXXX, which fulfills the 7 years statute of limitations on credit reporting as of XX/XX/XXXX. 

I was not offered the right to redeem the vehicle, and believe it was sold at a private auction. Under Florida law, I am supposed to be offered the right to redeem at a public auction. Regardless, when Santander purchased the loan, they listed late payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX -- when the car was in their possession as of XX/XX/XXXX. They kept on reporting through XX/XX/XXXX. 

The Fair Credit Reporting Act states that Santander must report the credit line as accurate. Due to their multiple errors, I was declined for a loan because my scores were much lower than they should have been than if they were reported properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: Santander Consumer USA Holdings Inc.
State: UT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Santander was charged off as bad debt but it was paid and settled years ago and been a XXXX balance. Out of no where they did a new update on my credit report which is affecting my financing. They are in violation for continuing to damage my credit file. When I contacted them about it they said " if I paid them {$2000.00} they would delete it '' ... I have already paid and settled per our agreement years ago and the balance is XXXX, Im not sure why they are trying to blackmail me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In XXXX I purchased aXX/XX/XXXX dodge ram truck, at the time we lived in XXXX XXXX. I was financially stable to make my payments, in XXXX XXXX my daughter gave XXXX to XXXX in XXXX XXXX they were 3 months early, they were in XXXX.my wife and I had to move to XXXX XXXX to help take care of our other grandsons who were XXXX and XXXX my daughter had to stay XXXX. well I took a job with a guy and he paid me fine to start and then he did n't and I had to call Chrysler and surrender my truck in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I recently obtained my consumer credit file and discovered SANTANDER CONSUMER USA, INC is reporting an alleged debt as a CHARGE OFF. Accordingly my records reflect SANTANDER CONSUMER USA, INC is not a known creditor of mine and I have not applied for, neither received any services or credit from this particular agency. SANTANDER CONSUMER USA, INC has not communicated with me to verify or validate any debt that I allegedly owe to them as of XXXX/XXXX/XXXX. Therefore I have respectfully demanded verification and or validation of any alleged debt pursuant to 15 USC1692g, 15 USC1681, and ORC 1345.01 respectively on XXXX XXXX, XXXX and XXXX XXXX, XXXX light of the foregoing SANTANDER CONSUMER USA, INC is demanded to please provide the alleged original genuine executed agreement that memorializes the transaction between SANTANDER CONSUMER USA, INC and Myself that supports SANTANDER CONSUMER USA, INC alleged creditor status.

Company response to consumer: Closed with explanation