BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-08
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have a vehicle that went into reposession with Santander in between XXXX. This account is listed as charged off. A balance of {$1.00} reflects every month as 90 days past due. I called Santander to ask them to change this account to a XXXX balance. They would not do so, nor allow me to pay a {$1.00} balance. Instead I was asked to call a separate phone # /department first. After calling the separate department that I was referred to, the representative informed me that I must pay additional fees ( between $ XXXX {$800.00} ) before they would consider removing or XXXX out the balance. I have never been notified of these outstanding fees and feel that I am now being held hostage by fees that I have never been advised of. I feel this creditor has an obligation to my credit profile to report fairly and accurately. I tried to satisfy the debt and am now being advised of new charges that I 've never been shown an accounting for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
1. I have not paid my mortgage for a while due to the refusals of my mortgage Servicer/Investor to modify my loan. I lost my job in XXXX XXXX, XXXX, and at the same day I requested my mortgage servicer ( XXXX XXXX XXXX ) for a mortgage modification through Home Affordable Mortgage Program ( HAMP ) but has been denied ( simply no official answer ) FIVE times. Each time XXXX XXXX XXXX offered help but when I try to avail of such, results : Either I was given a run-around, no reply, and declined. 

2. The owner of my loan, or the Investor is XXXX XXXX. 

3. With my mortgage 's 7.375 % interest rate, per mortgage statement attached : Monthly Regular Payment : {$2000.00}. Breakdown of Principal {$300.00}, INTEREST {$1300.00}, Escrow ( for Taxes and Insurance ) {$460.00}. Evidently there is room for its modification. Why would they refuse to help myself? 

4. XXXX XXXX XXXX, after declining my applications for mortgage modification, in XX/XX/XXXX transferred my account to another servicer, BSI Financial Services ( a collection agency ), XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX, Account # XXXX. 

5. BSI Financial Service put my house on foreclosure sale for XXXX XXXX, XXXX. Weeks before that, through the XXXX XXXX County Foreclosure Prevention Department of Consumer and Business Affairs ( DCBA ) agency, I applied for a HAMP with BSI. I offered my monthly retired pay of {$2100.00}, and my ( re-started XXXX XXXX, XXXX ) Veterans Benefits ( XXXX ) stipend of {$1200.00} for every school month that I attended, to pay for a modified mortgage. Through my DCBA Counselor, my application for HAMP was declined by BSI Financial Services on XXXX XXXX, XXXX. 

6. My application for HAMP was declined due to low income. Will someone request for HAMP if his or her income did not decline almost half from the previous? That 's I am right now, a jobless Veteran, and a college student too. 

7. Facing foreclosure of my only home, it left me no option but to file for Chapter XXXX, Bankruptcy. I and my spouse, XXXX XXXX, filed for bankruptcy on XXXX XXXX, XXXX. We have a court appearance on XXXX XXXX, XXXX ( Case No. XXXX ), XXXX XXXX , US Bankruptcy Court , XXXX District Court of XXXX. 

7. I was an XXXX member, enlisted XXXX, honorably served over 21 years. 

8. I intend to pay all my debts once I recouped my losses from my unlawful job-loss. I was discriminated as a Veteran for over five years of employment. Because of those Veterans benefits above, I was paid callously even with my multiple promotions and achievements. 

Sincerely and respectfully, 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 2017-02-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
To whom it may Concern I having Issues with the Credit Reporting Agency Not Respecting My Rights. I Pulled my Credit Report saw things that were n't Correct. So i Disputed all items in a dispute letter along with Laws, Rights, and Request and they have completed the dispute without giving me the items i requested which are the method they use to verify this claims along with names and numbers of the people they have spoke to verify these claims, and also to mail me the Original Accounts with the wet ink signature. I dont understand why we are going back and forward me disputing old zombie accounts that they keep updated to make money off it XXXX XXXX Department of Eduacation XXXX XXXX XXXX accounts thats paid in full, I have attachments

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 2015-12-12
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Credit determination

Complaint:
I recently applied for a citi credit card.My application was denied since the bank ( citi ) stated that my address or phone number are located overseas.I am not sure where or how they got this information, I 've been residing in the US for the last 25 years and am a US citizen.The denial letter was sent to my home address I listed in the application which is obviously in the US and I am including it below as well as my phone number. 
I contacted citi to inquire how they determined that my address and/or phone number are located overseas but there were not able to provide me an answer. 
Would appreciate if you could look into this matter. 
Application ID : XXXX XXXX MD XXXX Tel : ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-16
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: APR or interest rate

Complaint:
Macy 's is charging my credit card each month with a " {$2.00} Minimum Monthly Finance Charge '' even when there is no balance on the account. I am being charged each month when there is a XXXX balance.

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 2022-11-18
Company: EQUIFAX, INC.
State: MD
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX is placing multiple late payments on my credit reports after several phone call attempts to make payment arrangements and payments on time. The inaccurate information is hurting my credit and ability to apply for credit. I have tried to repeatedly contact XXXX XXXX XXXX and all 3 credit bureaus about the inaccurate payment history on my 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 2016-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are items on my credit of medical bills that are NOT mine and I would just like it removed and be done with it. I am a healthy male that has not been to the hospital or need to go. SO this bill is not mine.

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 2020-06-19
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received communication from Americollect claiming that I owe {$490.00}. Under the Fair Debt Collection Practices Act, I sent a certified letter with my current address to Americollect to request validation of the debt as i did not recognize it. The letter was delivered on XX/XX/2020 and to this date have not received a response. As it has now been 30 days, this is required to be removed from my credit report and i have received no communication whatsoever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a account reporting on my credit for utility services that I have no knowledge of. The debt originated from XXXX at a time where I know I didnt have services. This debt does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-07
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
in 2014, I got a loan from NetCredit. I had financial hardship and could not keep up with the loan payment. I tried to settle with XXXX and was unsuccessful. XXXX has ruined my credit for the last 2 years. I just informed that they sold the loan. I would like XXXX to rescind that sale and stop ruin my credit profile.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 I mistakenly purchased a wig from a XXXX Hair site called XXXX XXXX. For the amount of {$33.00}. I tried emailing this I believe fake or incompetent retailer for a full refund on this product literally a few minutes after I made the purchase. I tried a few times after contacting the retailer but NO response. I contacted / filed a claim with my financial institution Bank of America in regards to this on several different occasions. So last week or so I received in the mail some long matted wig that I never ordered. A bait and switch and steal peoples monies type of operation this hair site I believe is. All I want is my REFUND in which Bank of America denied me. Ive been a customer of this bank over 25 yrs! WOW. Please help me get my REFUND. Thank you

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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 # listed below, 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. 

these are the accounts that have violated my rights account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2022-08-25
Company: Experian Information Solutions Inc.
State: MI
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 appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-07-25
Company: EQUIFAX, INC.
State: NC
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 # listed below, 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. 

these are the accounts that have violated my rights account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
It is my understanding that a bank CAN NOT charge an overdraft fee for a monthly banking fee. On XX/XX/XXXX my CITIbank account had XXXX XXXX  in it.. a monthly service fee was charged to me on XX/XX/XXXX putting me XXXX dollars to which the bank then overdrafted me XXXX $ on XX/XX/XXXX ... so i was charged XXXX dollars for not having the money in my account for a monthly service fee..

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 2015-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
TransUnion Credit Monitoring. These people are the lowest of the low. Someone filed a tax return in XX/XX/XXXX using my social security number. So, I was advised to put my credit on fraud alert. But, when I did so, I was automatically enrolled in credit monitoring that was billed to me 1 week later and for 6 subsequent months!!! So they take people who are already dealing with a stressful issue and then rip them off? When I was finally alerted to the issue, I called and they would not remove my credit card information from their database or even from the Transuinion website.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: Paypal Holdings, Inc
State: MI
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
After being a member of PayPal for 6+ years at least, my account has been permanently limited for no apparent reason at all. I 've called and spoken with XXXX different employees of PayPal and I 'm only told that they 've made an executive decision to close my account because the rick is greater than the reward. I 've never done any illegal or fraudulent transactions and have had XXXX or XXXX disputes per year. They are holding my funds for 6 months and claim they are doing so to cover any charge-backs ( which I 've never had not once ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-02
Company: I.C. System, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit report and discovered that this company has placed this item on my credit report without notifying me of the debt which I am afforded under article XXXX of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a Bank of America Platinum Honors Premium Rewards Signature Visa Credit Card. Bank of America disputes department failed to assert three disputes on my behalf. The case numbers for the disputes are XXXX, XXXX, and XXXX. 

From XX/XX/2019 to present, I have repeatedly attempted to dispute the transactions, but Bank of America has failed to process the disputes. In each case, the disputes representative has only asserted that " the merchant has stated the charges are valid, '' and has failed to request information from me or process a chargeback.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. 
Please opt me out of pre-screening offers and send me copies of updated credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a public record on my credit report that has not been verified correctly. 

The courthouse does not provide or furnish information to credit bureaus. Therefore, the public record needs to be deleted from my credit report immediately.

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 2020-06-19
Company: Commonwealth Financial Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation