BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have contacted Chrysler Capital many times to extend my lease and faxed the documents required to extend the lease many times. Finally the lease paperwork was processed. I continued to make my payments. Chrysler sent no statements for months while I continued to make monthly payments. After many calls back and forth getting bumped to different departments I was told that the payments I made that are not reflected by Chrysler were received by Chrysler but returned to me. I explained that my bank statements do not reflect any credits from the company so they kept my payments but never applied them to my account. I then faxed them the company created statements and my statements which show that I in fact overpaid them. I spoke with a very professional and nice woman in accounting who was the only person to assist in any way who said that she can see no refunds were paid to me nor payments returned to me and that I overpaid by {$65.00} in total ( my math had me {$55.00} overpaying ). They asked me to again fax the statements which I did with detailed notes and I was told that my credit report would be fixed by the " XXXX XXXX XXXX '' ( If this is platinum I would hate to see what gold, silver and bronze service is ). I have never been so frustrated in my life and now my credit report that I have worked XXXX plus years on to never have a late payment is marked late in error which costs me monthly in my new leases. I would like my $ XXXX {$65.00} back and for my credit report to be updated to reflect my payments never being 30 days late. I will never do business with Chrysler again nor will I ever buy or drive a product that they produce. This is shameful and unfair to the loyal customer who made all payments per my obligation including the payment of my fee to return the car through my new lease. I have sent no less than XXXX hours trying to fix an error that Chrysler created after spending XXXX of dollars on faxes to first extend the lease and correct the billing errors they have not fixed but promise too. I have never files a complaint in my life about any company or service but until this matter is resolved I will engage every person that mentions buying or leasing a Chrysler product until the end of time. I can provide statements as well to prove the payments have been made and not allocated to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from XXXX saying that I was being sued and they needed to know what time I would be home to serve me the documents. I asked what company was suing me and the name of the civil case server agency was Quantum. Phone # XXXX. I called to find out what I am being sued for and it was for an old credit card that was sold to them to collect on the debt. I did not receive any letter that they now are the collection agency for this debt. Quantum had all of my personal information, I did not tell them my personal information. Quantum rep said that they are suing me because the law states that they can collect on the debt from the last payment received in 10 years. The statute to collect credit card debt in Nevada is 3-6 years. I call the credit card company and I was told that my account was sold to XXXX XXXX XXXX in XX/XX/XXXX. The last payment received was in XXXX. I called XXXX XXXX XXXX and I was told they are not trying to recover the debt, sue me or take legal action. The XXXX debt service rep told me that they did not sell my file to Quantum. Quantum told me that they are suing me and would not disclose any information because they said I will find out in court the information they have about me to sue me. Then I called Quantum again and the rep said they have not filed to sue me until I am served documentation, even though they told me they already filed to sue me. Both credit card and collection agencies told me they did not sell my information or sell my information to Quantum or anyone else.

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 2022-09-15
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-09-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S. Code 1605 - Determination of finance charge

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 2023-07-26
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Ive contacted Chrysler capital numerous of times as well as XXXX XXXX I have no recognization of said loans on my credit report and I have proof of them not belonging to me and would like for the charge backs to be lifted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TrueAccord Corp.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
The company by the name of TheAccord has repeatedly emailed me at all hours with a debt i know nothing about. Ive never even heard of this company. I have never done business with this company. I never provided my personal information to this company. They just emailed me again this evening XX/XX/2022 at XXXX. My email gives me immediate alerts. I never consented to any type of communications. How did they obtain my private contact information? 
According to 15 U.S. Code 1692c they are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National Credit Systems Inc is reporting on my credit report that I owe them {$3400.00}, when I first researched the company I notice for XXXX they are not authorized to collect debt in my state of Arizona. Secondly, I have no obligation to pay them and I have no contract with National Credit Systems Inc.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
1. XX/XX/23 ; Deposited XXXX Check for {$24000.00} to account my Wells Fargo savings account and another {$24000.00} to my wife 's W-F savings account. 
2. XX/XX/23, XXXX XXXX., the bank sent email telling both the savings accounts and our joint checking account have been closed. 
3. XX/XX/23 ; XXXXXXXX XXXX. W-F representative said our account at XXXX can not be verified. 
4. XX/XX/23, few minutes later I called XXXX and were told our XXXX account is fine and has sufficient balance to pay both checks. 
5. XX/XX/23 ; XXXXXXXX XXXX. Called W-F customer service center but it was closed by then. 
6. XXXX processed both checks night of XX/XX/23 XXXX, XXXX XXXX XXXX sent emailed hold alert. 
8. XXXX ; XXXX a.m. sent email saying we have- {$24000.00} balance on my wife 's account ( meaning XXXX placed two holds in stead of one ), and - XXXX balance in my account ( meaning XXXX placed three holds in stead of one ). 
9. XX/XX/23 ; made an appointment with W-F banker and saw her at XXXX XXXX. She couldn't help because fraud center won't accept her call. 

These events caused nightmares for both my wife and me and delayed our vacation. W-F customer service representative said bank can close the account without any reason. They won't give details about the phone call to XXXX. XXXX couldn't find any record of call from W-F. They admit the placed too many holds on our account but no apology or compensation. No reason for closing our joint checking account which is open for about 37 years. I believe XXXX is not truthful when saying XXXX couldn't verify our account.

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 2023-02-21
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX a hacker cash a check in a Florida branch of Bank of America for {$8500.00} from my bank account from Bank of America. The description in my bank statement is : FL XXXX cash withdrawal from XXXX Banking XXXX XXXX XXXX Banking XXXX # XXXX FL Confirmation XXXX. 
I filed a formal complaint with the bank on XX/XX/XXXX. The complaint # is XXXX. I called the bank several times to reach a resolution and the bank have been telling me that it is under investigation. In the meantime, I do not have access to my {$8500.00} and it was the bank fault for paying this money. My last call was on XX/XX/XXXX ( more than 90 days since the incident ) and they told me that they have put my case for a speed resolution and they were going to call me in 24 hours, but I did not get any call. 
Please help me!!!

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 2023-02-21
Company: Experian Information Solutions Inc.
State: KY
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:
When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX  Balance : {$4300.00}

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 explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Bankruptcy Case Number : XXXX Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 
5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 
10. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, UT XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
14. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: FL
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/2016 XXXX XXXX Balance : {$120.00} Date Opened : XX/XX/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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Account XXXX : XXXX XXXX XXXX : Account XXXX XXXXXXXX, XXXX, Amount : {$3500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/2011, Amount : {$1000.00} Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a 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 with 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 2023-04-11
Company: LFG Data Services Holdings, LP
State: OH
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:
Below is information Ive identified on my credit report that needs to be deleted from your records immediately. Please see attached letter. Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Bread Financial Holdings, Inc.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have tried fixing this issue with all three bureaus as account is stating incorrectly. I do not recall having this account. Therefore, I have requested to verify or delete. Account is stating open by XXXX XXXX while collection with XXXX and XXXX there is no way account can be both open and in collection at the same time. Account was previously stating date open as XXXX by XXXX and XXXX currently is stating as XXXX by all three bureaus. Payment history reported nothing were now XXXX is reporting CO as if it was some payment method on a dead account. Date last reported stated as XXXX by XXXX XXXX XXXX by XXXX and XXXX currently reporting XXXX by XXXX XXXX and XXXX by XXXX. XXXX has deleted the day last reported. Previous date last active stated as XXXX by XXXX XXXX XXXX by XXXX and XXXX by XXXX currently stating as XXXX by XXXX XXXX and XXXX while XXXX reports XXXX. Account is being re-age pushing back the date it should fall off that is not acceptable there is no way account can be all of the above open while in collection and reporting inaccurate dates when information is coming from the same furniture data.

Company response to consumer: Closed with non-monetary relief