BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: TX
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:
Account # : XXXX To whom it may concern, I am writing to bring to your attention an error in my credit report and respectfully request your assistance in correcting it. I noticed that for the month of XX/XX/2023, my monthly payment was reported as overdue, despite the fact that I had set up automatic payment to be deducted from my bank account on the 29th of each month. 
Upon investigating the matter, I contacted my bank and was informed that due to the 29th falling on a Saturday, the payment was processed on XX/XX/2023. Although I explained the situation to the bank agent and the collection department, they both acknowledged the mistake but were unable to make the necessary correction. 
While I understand that correcting a credit report error can be a cumbersome process, I would like to emphasize the significant impact that this mistake has had on my family and me. Therefore, I kindly request that the overdue payment be removed from my credit report as soon as possible. 
Thank you for your attention to this matter, and I appreciate your assistance in resolving this issue. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to SPS Select Portfolio Servicing ( SPS ), from XXXX. XXXX did alot of unscrupulous things to make my mortgage look more appealing to sell, and give a picture of higher return on the sale of the packages of loans they sold to SPS. Like applying flood insurance to my mortgage, and my mortgage went up by almost {$1500.00}. So I filed a complaint with the Federal Reserve ( Atch A ).  When SPS got my mortgage, they saw that I wasn't in a flood plain, and made all the corrected changes, and my mortgage when down to where is was suppose to be. However, by that time, I was over charged by {$9400.00}. SPS sent me a check for {$5300.00}, which was way under what they should have sent me. In response to me filing a complaint with the Federal Reserve ( case # XXXX ), XXXX responded, that they made a " mistake '', and they sent {$1600.00}, to SPS, and I should get the {$1600.00}, from SPS. So when I got my 1098 from SPS, it shows on the 1098 as FHA/MIP, which is fraud because I do not have a FHA loan, and so I don't have FHA MIP. Even before the 1098, every correspondence shows the {$1600.00}. It is my believe that SPS got this money and either wasn't give an explanation for it, or didn't know what it was for and just fraudulently claimed it to be FHA/MIP. Even if I did have a loan that had MIP or PMI, that is not what those funds were for. Therefore, today I called SPS to get my funds and they refused to give them to me, and the person I spoke to would only give me his first name and extension number, and refuse to give me his employee number. I have not missed a payment even though struggling with the almost {$1500.00}, increase imposed by XXXX and carried on by SPS until they finally sent me the for {$5300.00}. I have to admit, I have been late on several occasions but never 30 days of more. One document they have the {$1600.00}, as partial payment, ( of which I have NEVER made a partial payment ), and now on my 1098, it's FHA MIP ( Atch B ). I feel that I have been treated very unfairly, and want my money back. I stated in one of your earlier questions that my loan is conventional. I started out with a Conventional loan, and when the mortgage market crashed in XXXX XXXX time frame, I we almost lost our home, and had to get a modification. This is when our mortgage was with XXXX. So I am not sure how that works for a modification. Please help me to recover my funds. I am attaching several docs that I have from both the Federal reserve and SPS. See Attachments A, B, C

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Recently, I submitted my dispute letter to your company via mail addressing the errors and mistakes I discovered on my credit report. It has been a few months already since I initially identified and disputed these inaccuracies, yet you have failed to fulfill your important obligation of adhering to the guidelines set forth by the Fair Credit Reporting Act. 

-- -- -XXXX XXXX -- - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX -- -- -Equifax -- -- - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-03
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: Account information incorrect

Complaint:
My loan payment are always due on the last day of the month and I do an external transfer from XXXX XXXX XXXX XXXX XXXX. I made my external transfer for my XXXX payment but apprently it did not go thorugh. I called in and was told that my external transfer was kicked out because they were doing a system upgrade and that it shouldnt have effected my credit. The problem is that I initiated the external transfer and then was never notified that it didnt go through until 30 days later saying I miss a payment. Again, I was told that it shouldnt effect my credit which it did. This is something that is not in my control that a system upgrade stopped my payment from going through. I saw that i did in fact go on all 3 credit bureaus so I called into speak with someone regarding this and she was very helpful but said something completely different than the previous gentelman. She explained that what was happening was that I was only allowed to transfer {$2000.00} in next day external transfers in a 30 day period and I was going over that so the system was kicking me out. This was never explained to me previously when I called in about the situation. I had no idea there were limits. This is something that should have been communicated to me previously so these incidents did not occur. Not only was I not told about this previously but I was told it happened because of a system upgrade that was out of my control. I also should have been notified immediately that my external transfers to my car payment did not go through and not until 30 days later. This is something that was completely out of my control and should not be reported on my credit which I have disputed several times. it. Not only that it shows that my payments were late in XXXX not XXXX and I have receipts of 2 payments in XXXX. 

I am attaching a copy of my account showing they canceled my transaction as well as the 2 payments I made

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 2023-11-14
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A fake company posed as XXXX and got my information to charge my card for a utility bill that was due. The amount was supposed to be {$100.00}. They charged {$220.00} on XX/XX/23. Made a claim with my bank but their investigation determined there was no error, but it was a fraud 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 2022-11-14
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX  XXXX Bankruptcy Court : XXXX XXXX CT AL XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2016 -Today I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with the phone number ( XXXX ). They informed me that they do not supply information the third parties. How did you verify this public information?

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 2023-05-23
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a XXXX XXXX account with XXXX XXXX that was linked to my Santander Bank account. I deposited a check given to me by a client in to this checking account, the check was bounced and as a result Santander put the account '' on Hold '' for 5 days. When it did it they never advised me of this-I did get a letter 5 days later advising me of this ; the same day the hold was lifted. In the meantime, not being aware that the account was on hold, I went in to XXXX XXXX, like I do every day, to buy coffee and a paper for {$5.00} for two days. These charges were approved in the store but subsequently rejected by the bank. When that happened, XXXX XXXX sent the two charges to a collection agency who in turn sent me two collection notices for {$40.00} each ( {$35.00} fee and the {$5.00} ). I tried to get the fees waived by the collection agency ( XXXX, XXXX, KY ) but they flat out rejected my effort. I then called Santander and was told that since they did not assess the 2 {$35.00} fees they would not refund them even though I pointed out that had they notified me when the account went on hold I never would made the two {$5.00} charges. When I appealed to a " Supervisor '' he also flat out rejected my request. While I am filing a complaint against Santander I do not think the collection agency or XXXX XXXX were exacttly consumer friendly.

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 2023-04-19
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}. Please remove these accounts ASAP.

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 2022-10-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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 did a purchase on Best Buy on XX/XX/2021 and return the item on XX/XX/2021, I have proof of the merchant that they they received the item, but they never did the refund the credit card is manage buy Citibank I have been calling them for a year, trying to fix this matter I open disputes, upload documents about the refund d but they dont t do anything. Every month they call me telling me that Im late on my payment ( thats the only and last transaction I have with that credit card ). They already damage my credit score report sending flags that Im late .. they also sent a flag that I did a settlement with them. Im very frustrated I really dont know what to do every time I called they transfer me with several people but know one help me or resolve this matter Im desperate.. as I told you they already messed up with my credit score. 
I already talk several times with Best Buy store they messed up with the return because XXXX pick up the item but didnt explain were they return it I told them thats an Internal mistake why that is affecting my refund .. they told me they already process the refund transaction but Citibank dont fix it, because they said they didnt received the refund transaction from Best Buy. And this is the never ending story, since a yea ago I already cry, Im angry, Im frustrated! 
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 2022-11-14
Company: PNC Bank N.A.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2022 made ach payment to PNC. on XX/XX/XXXX PNC said my bank stopped and reversed payment. On XX/XX/XXXX called PNC to question why funds were reversed. Then called my bank XXXXXXXX XXXXXXXX XXXX XXXX to see if they did intact stop or reverse payment. They did not. Called PNC back. They wanted me til XX/XX/2022 because of holiday. On Monday XX/XX/XXXX I called back. They wanted me to submit bank statement. I went to local PNC branch had them send in information to start research. Called my bank and checked PNC on line both Pnc and XXXX XXXX XXXX. To check on funds. PNC kept saying it would talk 7 days to resolve. Called back XX/XX/2022. To PNC to find out what happened to my payment. Was transferred to 3 different people. All of which new nothing. Finally was transferred to local back again. Which has nothing to do with this problem. He called someone and said nothing had been done yet. So again XX/XX/2022 I sent them in a complete statement from my XXXX XXXX XXXX  ACCOUNT that showed ihad not recievied my funds back. They said it would that another 7 to 10 days to research this information. I said this was unexpectedly taking to Long. I have already wanted 7 days tomorrow. She said they would give me a call back in 24 hours. So far everything they told me is not happened. And today they verified they have not stopped any investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I originally reached out to all three credit reporting agencies requesting that the attached letter listing student loans differently to be deleted however I received correspondence from XXXX and transunion informing information has been updated. due to given loans regarding reporting that uif not reported on all three credit reporting agencies, given account should be deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Once again closing this with no fix can't fix my account but pushing hundreds of worthless credit cards

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 2023-11-01
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX unlawfully collected all money from my account on XX/XX/XXXX before resolution of the billing errors that they received. They were not supposed to collect until resolution of the billing error but no resolution was reached. They sent a letter on XX/XX/XXXX ( still after they collected and left my accounts with XXXX $ ) replying to me with nothing but statements so I then requested documentary evidence as defined in the XXXX and XXXXXXXX XXXX that they are required to follow. They never sent it. I have sent them a total of 4 notices and they are all the same responses. They sent an agreement without my signature, ( one that I can go online and print ), and statements. None of this proves a debt to be valid. They also unlawfully closed my account after receiving a legal notice of rescission of all past, present, and future security interest, proceeds from any insurance they applied to on my behalf, & the right to repo my car. They have taken adverse action against me, they are unlawfully reporting me late on my payments, even though they received 2 endorsed instruments for the obligation that they never returned even when I asked for them back, therefore lawfully they accepted them. I continue to receive generic responses instead of someone actually addressing the issue. They are also committing securities fraud because they are supposed to be nonprofit organizations yet they transfer their securities to XXXX which is registered under the SEC. They have also criminally mislabeled documents to hide evidence of them unlawfully collecting. I informed them of how they collected on XX/XX/XXXX unlawfully, thankfully I screenshot the proof first because that transaction no longer shows on my statements. The proceeds were never returned either. I attached the screenshot from today XX/XX/XXXX vs the older screenshot that shows them collecting XXXX $ on XX/XX/XXXX. They also collected over XXXX $ from my paycheck on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: LA
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2020-01-30
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
To make a long sob story short, I borrowed from Paypal credit. The way the balance was presented to me in such a way that led me to believe this was money sitting in my Paypal account already that I had not transferred to my bank yet, like other money sharing services. The following are the amounts I unknowingly borrowed : XX/XX/XXXX - {$8.00} XX/XX/XXXX - {$91.00} XXXX - {$50.00} XXXX - {$80.00} Now I have credit reporting, and reporting poorly, because I had credit that I didn't realize I took out, I'm sure an inquiry was made on my credit, and I didn't know these payments weren't getting paid because I didn't know I borrowed the money in the first place.

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