BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In Accordance with Fair Credit Report Act XXXX XXXX XXXX opened XXXX XXXX balance XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX balance XXXX Bankruptcy acctt # XXXX has violated my rights 15 U.S.C 1681 section 602-8 states I have a right to privacy, 15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish my account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-19
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XX/XX/XXXX put my account into forbearance. Was charged a {$100.00} fee. XX/XX/XXXX was told that I could not put my loans into deferment. Got a bill for over {$800.00}. Called to resolve the matter asking for a lower interest, and was outright denied. Was told that the interest only payment was over $ XXXX/month. Was asked to pay this amount and could n't because I was living on SSI with an income of {$730.00}. I can not make these payments and I still live on SSI. I have not made any attempts since XX/XX/XXXX to resolve the matter or make payments. The {$50000.00} loans now total over {$100000.00} and I am still getting calls from creditors to collect on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
We have a auto financed through XXXX XXXX. XXXX XXXX XXXX which was purchased for {$9900.00} but the loan was transferred to Santander Consumer USA, we have made monthly payments ( some late ) for the last 4 years, a total of {$20000.00}. According to Santander USA, we still have a balance of {$21000.00}. A car that was sold under $ 10K, which is now worth {$1200.00} according to XXXX XXXX XXXX. Unable to come out of this debt, the car was repossessed and we still  have a balance of over $ 21K. How can it be LEGAL for a loan company to charge over {$30000.00} of interest on a loan that was under $ 10K? we believe Santander Consumer USA is acting as loan sharks charging fees and increasing interest rates without notifying the client or adding it in areas that was not indicated by the sales person. We have seen a class action law suit against Santander Consumer USA for the exact same thing in which thousands have signed up. can you help us?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted the  XXXX  credit bureaus by phone, mail, and online indicating to them that there are multiple inquiries that I do not recognize. However, they failed to investigate and remove these inquires off of my 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 2022-09-09
Company: EQUIFAX, INC.
State: VA
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:
Equifax REFUSES TO SUBMIT POLICE REPORT AS A PART OF THEIR INVESTIGATION WHEN COMMUNICATING WITH CREDITORTS. THE ACCOUNTS LISTED BELOW ARE FRAUD AND I AM A VICTIM OF IDENTIFY THEFT. MY NEXT STEP WILL BE TO FILE A CLAIM AGAINST EQUIFAX UNDER THE STATURES OF LAWS IN THE STATE OF VIRGINIA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX XXXX : XXXX Date : XXXX ACCOUNTS OPENED FRAUDULENTLY To Whom it may concern : Im officially disputing accounts ( below ) opened in my name due to fraud and identify theft. An unknown suspect ( s ) used my social security number and other personal information to open credit cards, obtain car loans, lines of credit, un-authorized inquiries, and other accounts without my consent or authorization fraudulently. Below are the accounts that were opened due to Identify Theft and without my consent. Please remove these accounts from my credit profile Expeditiously and Immediate. 

Creditor ( s ) Date opened Acct # Reason ( s ) XXXX XX/XX/XXXX XXXX Not mine/Account opened fraudulently XXXX XX/XX/XXXX XXXX Not mine/Account opened fraudulently XXXX XXXX XXXX XX/XX/XXXX XXXX Not mine/Account opened fraudulently XXXX XXXX XX/XX/XXXX XXXX Not mine/Account opened fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My dispute is in reference to a collection account that has been placed on my Transunion, XXXX and XXXX credit bureau reports. The account I am disputing is XXXX XXXX, a collection account for {$700.00}. ( The original creditor is noted as XXXX XXXX XXXX. ) I have no record of opening any credit card account with XXXX XXXX XXXX, and am disputing this account as inaccurate/not my responsibility.

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 2017-06-19
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My name is  XXXX   XXXX , I am trying to get in contact with somebody at the Settlement Division or Consumer Financial Protection Bureau to see if you can help me in the following matter. Consumer Financial Protection Burea u, Ally Auto Finance Settlement and U.S D epartment of Justice sent a letter with a checkwith the amount of {$520.00} because I was identified as eligible to receive this money from a settlement between the Consumer Financial Protection Bureau, th e U.S Department of Justice, Ally Financial Inc. and Ally Bank over allegations  of discrimination in auto financing between  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX . In the letter said that this amount was determined by the Consumer Financial Protection Bureau a nd U.S Departm ent of Justice. Until today I have not been able to deposit this check because it was sent to a wrong address and by the time I got the check itwas already expired. I have called the phone number that is in the letter so many times with no results because I do not have a specific extension that they ask for. I have called the Consumer Financial Protection Bureau and the representative told me to write an email to Ally Auto Finance to see if I can resolve my problem. I wrote the email on  XXXX   XXXX ,  XXXX  and I have been waiting for a response since then with no answer until today  XXXX   XXXX ,  XXXX . I need that whoever is in charge of this matter get in contact with me so another check can be sent to me. I am going to attach a copy of the letter with the check that I receivedand I am going to provide my updated address.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  FL  ,   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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
DATE : XX/XX/2022 RE : DEBT VALIDATION LETTER ATTN : LEGAL DEPARTMENT Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX Beneficiary ALL RIGHTS RESERVED WITHOUT RECOURSE UCC1-308

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 2017-06-19
Company: Upstart Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Invested in loans  with Upstart. I have  my account settings on " do not reinvest '' for several years. I just received an email that I made  XXXX  loans for {$100.00} each/ {$300.00}. I tried to contact the company by email and phone. I received an automatic email and they never answer the phone ( on hold for over an hour )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I HAVE AN ACCOUNT FROM  XXXX   XXXX   XXXX   XXXX  SHOWING AS A CHARGE OFF ACCOUNT. THIS IS NOT MY ACCOUNT AND SHOULD NOT BE ON MY CREDIT REPORT. I HAVE CONTACTED EXPERIAN IN REGARDS TO THIS ACCOUNT MANY DIFFERENT TIMES AND THE ACCOUNT IS STILL SHOWING ON MY CREDIT REPORT. THEN THEY LIED AND SAID THE ACCOUNT WAS NOT ON MY REPORT. CLEARLY IT 'S STILL THERE AS MY DOCUMENTATION SHOWS. LIARS.

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 2017-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
To Whom It May Concern TransUnion  XXXX .  XXXX   XXXX   XXXX , CA  XXXX    XXXX    XXXX .  XXXX   XXXX   XXXX , TX  XXXX   XXXX   XXXX .   XXXX    XXXX   XXXX , GA  XXXX   XXXX ,  XXXX   SOC  #  XXXX  DOB  XX/XX/XXXX   XXXX     XXXX     XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item  ( s ) list ed below are as follow : Have enclosed a  XXXX  bills ***PLEASE UPDATE MY CURENT  ADRESS ADDRE SS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,    XXXX    XXXX  BEEN LIVING THERE SINCE  XX/XX/XXXX  THESE ADRESSES ARE MY OLD ADRESS :  XXXX   XXXX   XXXX     XXXX     ,    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   ,    XXXX    XXXX  Old number and is no longer mine :  XXXX  *****MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance wit h 15 U.S.C. 1681i ( a ) (   5  ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.   Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the pas t six  months.     Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item  ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so   will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX ,  XXXX   SOC #   XXXX  DOB  XX/XX/XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 noticed a few accounts on my report I do not recognize

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 2022-09-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was given a check by someone who I now know is a scammer. I deposited the check and waited for it to clear. Chase said that the check was processed and the money was in my account. I lost that amount of money in a stupid way ( on the advice of the scammer ) but then the check was returned by chase for lack of funds so I lost the money a second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: LCO Financial Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
To : Blue Trust Loan Loan Department Regarding : Loan # XXXX Account Status : Active {$970.00} of of XX/XX/2022 Note : Paid by direct withdrawal from my Bank Account at this time XXXX Payment every 2 weeks as thats my payroll XXXX for XXXX a month for 9 months See table below. Please advise Compliant : I spoke by phone, with a Blue Trust Loans Customer Representative. I was actually looking for a payday loan, when called I assumed payday loan, the Representative offered me, XXXX, said no, but then she said XXXX, and I thought I could use the extra money and payoff in few payments. I thought. This Representative did did not provide me information regarding the interest rates. I was shocked, these rates were much higher than I had seen elsewhere. After, I was approved and sign I received my loan documents per phone, and busy at work, was not until late that night I check my email for the documents. I did not receive clear information, check your recording. 
I was so shocked to see this, what I did for {$800.00} dollars. For the {$800.00} dollars I was scheduled to pay back for {$3500.00} for 9 months. 
Please see below : Schedule Due Date Principal Balance Payment Due Ending Principal XX/XX/2022 {$800.00} {$120.00} {$790.00} XX/XX/2022 {$790.00} {$200.00} {$790.00} XX/XX/2022 {$790.00} {$200.00} {$780.00} XX/XX/2022 {$780.00} {$200.00} {$770.00} XX/XX/2022 {$770.00} {$200.00} {$760.00} XX/XX/2022 {$760.00} {$200.00} {$750.00} XX/XX/2022 {$750.00} {$200.00} {$740.00} XX/XX/2022 {$740.00} {$200.00} {$720.00} XX/XX/2022 {$720.00} {$200.00} {$700.00} XX/XX/2022 {$700.00} {$200.00} {$670.00} XX/XX/2022 {$670.00} {$200.00} {$640.00} XX/XX/2022 {$640.00} {$200.00} {$590.00} XX/XX/2022 {$590.00} {$200.00} {$540.00} XX/XX/2022 {$540.00} {$200.00} {$470.00} XX/XX/2022 {$470.00} {$200.00} {$390.00} XX/XX/2022 {$390.00} {$200.00} {$290.00} XX/XX/2022 {$290.00} {$200.00} {$160.00} XX/XX/2022 {$160.00} {$200.00} {$0.00} I was thinking I could pay off in several payments not XXXX times a month for 9 months. The interest rates were unclear and not fully explained to me not explained by the Representative that the total would be about XXXX dollars 9 months. This is s nightmare. 
I am angry at myself for falling into this situation with Blue Trust, even angrier that this company is doing to do this to people. I am sure I am not the only one. I requesting an investigation into this Loan by your company, and after reading online reviews, my question are you able to do business in California? I do pay my debts, but this is unacceptable and unethical. 
I am also, filing a complaint to the California Better Business Bureau And XXXX Attorney XXXX XXXX Thank you, XXXX XXXX XXXX XXXX : XXXX XXXX Cc : California Better Business Bureau XXXX Attorney XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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/XXXX my card was hacked. I noticed some transcations that i did not make. I have issues with my card being hacked chip malfunctions and fraud 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 2022-09-09
Company: EQUIFAX, 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:
I was informed by your company ( Equifax ) on ( XX/XX/2022 ) that account # XXXX with XXXX XXXX. was deleted from my credit report. 

I have realized that this same item was Reinsert onto my credit report! 

In Accordance with the Requirements of the FCRA section 611 ( 15 U.S.C S 1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating Of previously Deleted Material ( ii ) Notice to consumer. if any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is Reinserted in file, the consumer reporting agency shall notify the consumer of the Reinserted in writing not later than 5 business days after the Reinsertion or, if authorized by the consumer for the that purpose, by any other means available to the agency I have received no such notification, this is a serious violation of the FCRA and I now reserve the right to pursue legal action for this clear violation of the FCRA! 

I demand that you immediately DELETE this Account from my credit repot in order to avoid legal action, I will also fax this to the Consumer financial protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. 
I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 

This has caused me to suffer and its defamtion of my character

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 2021-09-25
Company: CITIBANK, N.A.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Master Card has Virtual Account Numbers so you don't have to use your actual credit card number on the internet. For the last 5 days ( XX/XX/XXXX thru XX/XX/XXXX ), the numbers created are being declined when used. They never put out an alert that the system was not working or shut it down. Everything in the system seems to work, but the cards are declined. Even cards that were generated before the problems. I have talked to technical support twice ( after 15 min. of menus each ) and all they say is " there working on it ''. They refuse to shut down the site or put out a warning. They also refuse to agree to send out an alert when the Numbers are working again. This has led to overdue bills and missed sale prices.

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