BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-11
Company: Credit Central Holdings, LLC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Credit central in XXXX AL came to my tailor with a letter demanding I call a woman at the company named XXXX XXXX I called From my cell phone I blocked my number witch they got the next day illegally and called me.. I only owed them XXXX dollars.. The lady XXXX treated to sue my girlfriend s camper trailer we live in and she tweeted to take my girlfriends XXXX car.. My girlfriend did n't get the loan did n't sign any papers my girlfriends been living with me for a year and a half but she is still legally married to someone else in another state so we are not common law married.. Me and my girlfriend and both XXXX.. XXXX said harrying me we should n't me living in a camper if we make XXXX a month.. XXXX said she talked to our landlords we rent our lot we park our travel trailer on and XXXX said our landlords said we were always XXXX on our rent. 
.more harassment.. XXXX said my family told yet I was playing a game borrowing money from every body in town.. A lie my family did n't I just got in XXXX bad situation.. It us clear she phone harassed me I 'm XXXX with a severe mental illness I giving you the facts the phone records can be checked.. Between my number one time calling credit central ..I was criminally harassed my harassment had nothing to do with the debt it was criminal harassment. By XXXX at credit central in XXXX AlI give you my word ... I would have paid the money back I got in a bind taking care of my XXXX girlfriend fiancee

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have previously requested lower monthly payments with Navient, my primary private student loan lender. I consistently have insurmountable issues with them and with repaying the loan. I 'm currently making {$780.00} a month payments on {$89000.00} loans, of which all of them have interest rates higher than 9 % ( two of them are over 12 % ). Effectively, I 'm paying interest only payments every month with minor scrapes into the overall chunk. I can barely afford to pay the {$780.00} a month and need to lower my interest rate with this company but they will not allow me to do so, given the terms of the loan. I 've tried to consolidate my loans with other companies but my debt to income ratio is too high and I am denied time and time again. Cosigning is not an option for me - I have no one willing to take the risk and my mother is fighting a foreclosure on our childhood home. 

I am full on drowning in student debt and am living on $ XXXX a week. I need help and I do n't know where to turn but this seemed to be a step in the right direction. Please, I 'm desperate for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : OAG CHILD SU Account Number : XXXX has violated my rights. Or list of inquiries 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 15 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 item of information, other than records of convictions of crimes which antedates the report by more than seven 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 has reasonable cause to believe that 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 2016-07-07
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX contacted me XX/XX/XXXX for a debt to CitiBank. I made payment arrangements to pay off the balance from XX/XX/XXXX to XX/XX/XXXX ... completed the payments and paid off the balance. XX/XX/XXXX received a call stating that I still had a balance, basically equaling 1 monthly payment. Asked for verification and received a letter with all payments made, totaling more than the original balance and a list of Fees and Interest charges from XX/XX/XXXX ( some that were charged after I started the payment plan ). They refused to give me any clarification on what those fees were for, or which ones were interest charges. When I asked for further explanation and documentation they said they were going to close the account as being disputed and hung up.

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 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional  and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2016-08-31
Company: Keith D. Weiner & Associates Co., L.P.A.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A subpoena letter was sent to my workplace by a debt collection lawyer in Ohio ( XXXX XXXX XXXX ) regarding a debt accrued by a person with a similar name as me. The subpoena included my name, along with a couple aliases that do not match my name. When my office manager called this law office to see why they were asking for information about me, they gave her MY social security number and told her to fill out paperwork regarding my personal information ( i.e. address and phone number ), but would n't elaborate as to why. As it turns out, they have my social security number linked with a person who owes them money, even though this person is not me, and I have never even been to the state of Ohio. The person they are searching for has a name very similar to mine, but has a different middle name. I looked this person up online ( which took a grand total of 5 minutes ) and found the person they are looking for, as well as a list of places she has lived and where she currently lives. None of these places are even close to the state in which I live. I checked my credit report, and all three of my scores are in the XXXX 's and there are no suspicious accounts opened under my name. Thus, I am assuming that either 1. ) This person stole my social security number and accrued debt using it, but it just has n't shown up on my credit report, or 2. ) These lawyers are just randomly searching for people with my name, and somehow have a way to obtain my social security number. Then they are trying to saddle me with this person 's debt without actually researching who this person is. Either way, I do not owe a penny to these people, and request that they quit harassing me and quit writing subpoenas to my workplace. I have filed an " Identity Theft Affidavit '' with the IRS, as well as an affidavit with the Federal Trade Commission. I have also filed a police report and have submitted my identification. Once the police report is finalized, I would be happy to submit that as well. The amount of time I 've had to waste because this company could n't do a five minute google search, is really ridiculous.A colleague of mine told me to file a complaint with the consumer financial protection bureau as well, in order to get this company off my back. I am requesting that Keith Weiner Law be forced to stop linking me and my social security number with someone who is clearly not me. In my opinion, this company is just taking shots in the dark in order to collect this woman 's debt, and they should be held accountable for trying to saddle some innocent person with someone else 's debt, just so they get paid. 

The contact information for the law firm is : Keith D. Weiner & Associates XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
According to the duration of my payment it suppose to en d      XXXX   XXXX  /2017  . I noticed that I have late payment which resulted into late fees. I paid the accumulated late fees plus the all payments.My last payment was on the date mentioned above. I called the company ask why you wanted me to pay the principle although all monthly payments are made If there late fees i paid how come you charge me towice the late fees and the principle they said I have to pay the principle or they will not release the title anyway I told I ca n't pay the late fees and the  interest .the compa  ny is Santander USA .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.

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 2016-10-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
When applying for a Best Buy credit card, I was automatically " steered '' towards a program known as Debt Protection XX/XX/XXXX. In addition and/or as time progressed I did not find such a program useful due to paying my bill on time. XX/XX/XXXX, I contacted Debt Protection to cancel and/or requested a full refund in the amount of XXXX after speaking with a customer service representative. Begrudgingly speaking, a refund in the amount of {$55.00} was applied/approved ( i.e., 3 months payments ) within a 30 day time period. Shortly after assessing such findings on XX/XX/XXXX, I contact Best Buy 's Debt Protection platform and requested for my case to be reevaluated holistically speaking, for as a consumer I should be refunded all monthly premiums paid into " an insurance program '' otherwise known as Debt Protection. I spoke with a representative who stated " there is no guarantee '' I would receive a full refund. Based upon her response, I asked to be transferred to a supervisor to convey my displeasure with respect to this process and/or my case was resubmitted XX/XX/XXXX ( i.e.,, 30 day response per electronic disclosure received via online Best Buy account ). Please be advised both customer service representative and supervisor acknowledged an aforementioned balance in the amount of XXXX ( i.e., rounded figure ). 

XX/XX/XXXX, I have yet to receive any formal means of communication and/or contacted Best Buy ' Debt Protection and " DEMANDED '' my case be escalated after speaking with a Supervisor. As a consumer I am entitled to receiving a refund if a service is not being utilized, am/was being charged compounding interest, and should not have to be relegated to communicating with a third party customer care center located in Oklahoma where formal decisions can not be achieved. In summation, I am aware of a class action lawsuit settlement vs. Citibank in the amount of $ XXXX for such egregious acts. In summation, the primary objective is to have all remunerations refunded and applied to my account immediately ( Link : 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 monetary relief
Consumer complaint received 2023-08-21
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: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-08-21
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called the company and all they said to do was to start a complaint online on this website. I also called the debt collector company as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
all reporting bureaus have 4 days to fix and remove items linked to identity theft and it has been 10 days and XXXX and XXXX are in violation by no responding to my aler and request

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the Southern District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX account number XXXX ; 2. ) XXXX XXXX, account number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My phone was stolen in XXXX at around XXXX XX/XX/2023. I noticed transactions were being made after calling my bank. Claim was started with Santander bank for 3 claims in the total amount of {$8000.00}. Today I receive notification that my claims were denied due to inconsistency. My phone was stolen and money was transferred out of my account and it wasnt done by me. 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 explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: GA
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 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 item of information, other than records of convictions of crimes which antedates the report by more than seven 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 has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Open Dealer Exchange, LLC
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:
I noticed several inquiries from places I didnt know about or approve of on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I had disputed an account with Experian per my rights under the FCRA to have inaccurate information to be removed from my credit report back in XXXX XXXX. The account was promptly was deleted and was told that it would not be put back on my credit report. Now, some months later that account was put back on my credit report. When I called Experian to have this account deleted, they told me they would not. Even though I was able to give them a report number, to which that account was deleted.

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