BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-23
Company: High Point Asset Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I have been receiving phone calls on both my home phone and cell phone. I blocked the number from both, but they are still able to leave a voicemail on my cell phone. They are stating they need to know my whereabouts so they can serve me papers. They also claim I have XXXX hours to respond before they submit it to the court. It is the same XXXX second message everyday. It is clearly a robo call, and they claim they are calling from High Points Assets. The person never identifies himself. I did call them back well over a week ago. I asked the lady on the phone, " XXXX '' why was I not mailed a debt validation letter. She said she would submit it by email. I said that does not validate the debt. I then asked her what her physical address was, she said they only have a XXXX. XXXX, and they are in XXXX New York . I knew then they were definitely a scam. Since I contacted them, they have called every morning between XXXX & XXXX pacific time. I am tired of these scammers thinking they can bully people into paying a debt they do not owe. I get these calls constantly, and I want them to stop. The number that they continue to contact me with is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I placed a credit freeze with Experian in XXXX of 2020. Since XXXX, I've been attempting to remove the freeze. I was unable to do so, despite providing all necessary personal information online. I mailed paperwork into their offices with no reply. I've made a dozen phone calls to resolve the issue but it's impossible to reach a human being.

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 2015-12-01
Company: U.S. BANCORP
State: MN
Product: Credit card
Issue: Credit determination

Complaint:
I had a US Bank Credit card for years, It had a limit of XXXX and I used it for my business. I sold my business in XXXX of this year and the company paid the credit card off. I then got a bill and I assumed it was some balance that didnt get in the original payoff so I sent it to the new owner and did n't hear anything. I got a bill the next month and called US bank and found out it was a renewal fee for the year. i told them I did n't want it anymore and they wrote it off and shut the account down. I then got my quarterly update from XXXX XXXX whom I have checking my credit and found US Bank had put a derogatory comment on my credit report and my XXXX score went from XXXX down to XXXX. My XXXX went down from XXXX to XXXX. My XXXX went to XXXX from XXXX. Since I 've always had a good credit score and had never been late on any payments, I filed a complaint with US Bank. They wrote to me saying they investigated my case and decided it was reported correctly and no change would be given. This is not fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-04
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Other

Complaint:
XX/XX/XXXX, I had originally opened a credit card with Sovereign Bank, which was administered by the third party XXXX XXXX XXXX. XXXX Santander Bank 's acquisition of Santander Bank XX/XX/XXXX, all credit card administration was transferred from XXXX XXXX XXXX to be handled in house by Santander Bank. Upon reviewing my credit report XX/XX/XXXX, I noticed that my credit reporting history dd not include any of the time that my credi card was handled by XXXX XXXX XXXX as part of Sovereign Bank. I inquired about this first with Santander Bank, and was told that they did not have any record of my credit history prior to the acquisiton on Sovereign Bank, ( this despite the fact that I never closed any accounts, and all of my checking, savings, and credit card account balances were transferred over ). I was instructed to contact XXXX XXXX XXXX. XXXX XXXX XXXX informed me that they no longer have n records of the credit history for any clients that were transferred to Santandr Bank, as all client records were handed over toSantander Bank. I have filed multiple inquiries with Santader Bnk to no avail, and am contnually told that they do ot have any information, again, this is despite the fact that I never closed any accounts, and all of my checking, savings, and credit card account balances were transferred over following the acquisiton by Santander Bank. This situation is negatively impacting my credit score and the average age of my account balances, as well are credit reporting history. I am requesting a formal CFPB complaint to be filed against Santander Bank and XXXX XXXX XXXX regarding into this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Old debt listed as new debt ; " XXXX '' listed twice on Experian credit report XX/XX/XXXX and XX/XX/XXXX ; Per letter dated XXXX XXXX investigated my inquiry and determined no changes were needed. I also asked the company for the status of the account and a response was not given. I 've sent XXXX letters requesting an update to the credit report regarding the XXXX Charge Off 's listed on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act The following inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
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:
n accordance with the Fair Credit Reporting act The following inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2015-08-05
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
i am financing a car from XXXX through the XXXX bank in XXXX ma, i have never seen any statistics or report concerning my car payment,, why is that? i have been paying for this loan almost a year now .. the loan is under my name and wife name and only it shows up on her credit report not on mine as well ... so any suggestion how to bring my history back on my credit report because it affects my scoring issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
my parents mismanaged and froged signatures along with opening up and sending me my mail causing it to go down. XXXX fired 3 days notice and stopped of XXXX poayments 3 days niotice XXXX 2016

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 2016-04-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EXPERIAN credit reporting agency refuses to remove my disputed items from my credit report. 
Item # 1 XXXX Department of Child support ( DCS ) reported incorrect information on my credit report last year ; I recently went to DCS about this issue, but they refuse to contact EXPERIAN because the case is no longer open with the courts, but they provided me with a certified copy of my payment history and a termination of child support letter. I mailed all the documents to EXPERIAN as proof that there was never any delinquency and the DCS case was also closed XX/XX/XXXX. EXPERIAN 's responded to my dispute stating that the item will now remain on my report until XX/XX/XXXX because of my updated dispute. Also, the DCS case was opened in XXXX in XXXX, but after leaving the military and moving to XXXX, XXXX took over the case. This case is over 20 years old. Account # XXXX Item # 2 I opened an auto account with XXXX XXXX in XXXX and it went into default and was sold to several collection agencies over the years. I recently filed bankruptcy to get a fresh start and I included this collection account. This account is also over 9 years old. EXPERIAN refuses to remove this item from my report. Account number XXXX Please help me!!! 

Thank you, 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 2015-07-31
Company: Murrell Law, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Last fall the XXXX XXXX XXXX ( XXXX ) and the law firm of XXXX requested that my wife and I execute a written joinder and consent form that would help the ( XXXX ) revitalize their governing documents that had been extinguished by the state of Florida. We executed those documents and forwarded them to the XXXX team for their inclusion in the total package to be forwarded to the Florida Department of Economic Opportunity ( DEO ) for their review and acceptance. Upon receipt of the revitalized XXXX amendment to the Covenant/Restrictions I found that my assessment level was set on pg XXXX at $ XXXX/month and that is what I have been forwarding to the XXXX XXXX. If the XXXX can provide me with documentation that requires me to pay a different amount of assessment than what the revitalized documents spell out and what I signed off for I will be happy to review it and proceed accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Experian Information Solutions 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 XXXX XXXX XXXX, Account # 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 XXXXXXXX have all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

They have all violated my 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.

I have not given them any written instruction to furnish anything on my consumer 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 2022-05-27
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Report Act XXXX  Account XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02
Company: Bridgecrest Acceptance Corporation
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am a federally protected consumer and I requested validation of alleged debt with Bridgecrest. This document was received by Bridgecrest on XX/XX/2020. I have yet to receive a response from the company involving this alleged debt. Bridgecrest is in violation of 15USC1692. The company responded to my request alleging that they are unable to fulfill my request due to insufficient information. Documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are numerous accounts in my credit file that are misleading by labeling information as " charged off '' and reflect late payments beyond that of my BK discharge. Such a designation would be inaccurate because it would indicate that this account a responsibility to the debt and the creditor had written off the account at the time of bankruptcy when it had not. 

1. Accounts that were XXXX reporting as charge offs2. Accounts that were never late prior to BK reporting late payments after my discharge. 
3. Accounts that were XXXX showing recent activity as XXXX days late as recent as XXXX months ago. 
4. Accounts that reflect inaccurate date of delinquency, creditor information, etc. 

Nearly XXXX accounts that are XXXX that have inaccurate account information, status, or other misleading information. 

These inaccuracies make me appear to be a larger risk then I have ; especially considering I have many accounts in good standing and have no other derogatory information since filing for BK in XXXX 2009. These inaccurate information not only projected me as more for years despite rebuilding ; however, it prevents the deletion of information at their appropriate time but having wrong date of delinquencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Uplift, Inc
State: MD
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 Uplift , Inc account number XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: VW Credit
State: MO
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 XX/XX/XXXX Volkswagen Credit INC has reported a account as a Charge Off and the status of the account was closed. However they have continued to report as a charge off for the entire year, Until XX/XX/XXXX on XXXX and XXXX and now they have changed the status to currently open as of XX/XX/XXXX on XXXX. This has affected my credit negatively because from my understanding a charge off account should not include any active payment history. This is a manipulation of the statue of limitation. Please remove this account ....

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian has not responded to my certified letter they received on XXXX XXXX, XXXX. The letter stated the following : RE : XXXX Dear : Experian please be advised that this letter is being sent to you and all credit bureaus. I am requesting that you remove this account from my credit report. This is not my account, I have never had an account with this company. I have been disputing this account for years. Today I called this company only to find out that tis account was opened at a place in Wisconsin called XXXX XXXX bank association. I have never traveled to this place or again opened an account. I placed a fraud alert on my credit report back in XXXX. I also would like to inform you that I never received not XXXX bill or collection notice from this company ever. If this item is not removed from my credit report I will be contacting the XXXX, the XXXX. Office at a state level and I will also file a civil suit. You have 30 days from this notice to remove this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian continue to report the address of XXXX XXXX XXXX, XXXX Florida XXXX on my credit report. They also report phone numbers XXXX and XXXX which are also inaccurate I have continuously disputed to have them removed as they do n't belong to me to no avail

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 2015-11-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
someone in north Carolina has stolen my identity information and has purchased items including XXXX cell phones thru XXXX on XXXX/XXXX/2015. A police report was filed as soon as I found out about it on XXXX/XXXX/2015. A investigation from XXXX is under way thru there fraud department and our local police department.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2020 we set up a modification agreement on loan # XXXX - made a payment of {$18.00} is what the website asked us to do both parties agreed we did the same thing with the other vehicle loan we have and all of a sudden they show up on our doorstep today and repo the car - they never emailed me the modification agreement I have emails that shows that it was set up in place - made a payment that same day - and they are refusing to except payment in anyway size shape or form I tried to make a payment on the website today

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 2022-09-16
Company: TD BANK US HOLDING COMPANY
State: MD
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:
In accordance with the Fair Credit Reporting Act XXXX  Account Td Bank USA, account number XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I obtained a Loan from Santander Consumer 4yrs ago for a car. Now they are telling me that I still owe {$17000.00} for this vechicle and the car is only worth {$2400.00}. I can not afford to continue to pay on a car that is 3 times it 's worth. They are a BIG rip-off. They prey on people who ca n't get a traditional loan and have HIGH Interest rates that will make a person have to pay for a car for the rest of their life. This is not right and they should be investigated for this. I am a retired person who live on a strict income and I can not afford to continue to pay {$550.00} for a XXXX old car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Fraudulent charges of {$10000.00} over a period of 4 days with no communication from Citbank. 

Called to dispute charges, they have credited the majority of the amount but still trying to get them to credit the interest charge of {$120.00}. 

Have been trying to get this resolved the last couple of months get transferred between customer service, fraud dept, security dept and now collections dept who tells me they can only collect the amount and get kicked back to the other departments with no solution in sight. I have spent hours on this as I want to close this acoount also. 

I am hoping you can help me with this issue.

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