BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received my reinvestigation back from Experian, XXXX and XXXX regarding this account : XXXX XXXX XXXX XXXX ACCT # : XXXX. They stated everything was 100 % completed and updated as accurate. I would like to receive the description according to 15 USC 1681 ( i ) ( 7 ). Because this account is not accurate.

There are discrepancies in the date of last activity, date reported, date opened, closing date and the date of late made payment. I have included a screenshot of my most recent consumer report from XXXX  comparing these inaccuracies as well as the most recent report directly from these bureaus. They did not modify or delete the information from my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).

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 2023-08-21
Company: Experian Information Solutions Inc.
State: MA
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 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 no consent is 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 2022-04-28
Company: Westlake Services, LLC
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:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/21 no actions from company Hard inquiries on my credit report I didn't unauthorized

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 2023-03-09
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I opened my bank account and noticed some suspicious transactions. The amount was {$14000.00}. Someone had done an external debit transfer and I did not receive any text messages in this regards. I called the bank. I asked them to freeze outgoing transactions. Next day XX/XX/XXXX, They took notes and filed a claim. They told me new accounts will be created and I needed to sign some documents. I called every since then till Tuesday XX/XX/XXXX. They kept giving me different information. They also said since there is an issue on their system, this debit external transfer is new I will get all my money back that was taken. Today XX/XX/XXXX when I called them they said investigator has denied {$9500.00}. I told the bank there was no text messages as I rely on that and how come their system can allow these external transfers to go to an unknown person. There is no profiile matching and this is a security breach. The bank said they are just front line and the notes that had was vague for ex someone used my IP address, I have virus software and use VPN to avoid this from happening, I have low vision so I am expecting Banks to safe guard my hard earned money. Now its so difficult to get my money back and US bank has not been helpful.

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 2021-05-01
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I, XXXX XXXX entered a consumer credit transaction with Santander Consumer on XX/XX/XXXX, which involved a finance charge pursuant to 15 USA 1605 ( a ) a finance charge is the sum of all charges in a consumer credit transaction and does not include cash. Santander Consumer has been collecting monthly payments from me since XX/XX/XXXX which is in violation of 15 USC 1605 also Santander Consumer failed to disclose to me my right of recession and provide me with the appropriate form to exercise my right which is in violation of 15 USC 1635. On top of that Santander Consumer, is in violation of 15 usc 1692e ( 11 ) because no one informed me that this is an attempt to collect a debt in the initial communication. Also, Santander Consumer is in violation of 15 usc 1692f ( 8 ) unfair practices, because Santander Consumer 's Logo/ their symbol is on the envelopes. Santander Consumer is also in violation of 15 usc 1692g ( 3 ) because they failed to inform the consumer ( me ) of the opportunity to dispute the validity of the alleged debt within the proper time frame. Santander Consumer threatened to harm my reputation by reporting my payment or missed payments to the credit bureau which is in violation of 15 USC 1692d ( 1 ) .Santander Consumer is in violation of 15 USC 1692d ( 2 ) by using profanes and obscene language. Santander Consumer is in violation of 18 usc 1342 by using the mail to device artifice letters. Santander Consumer, is in violation of 15 usc 1692e ( 2 ) by falsely representing the character and amount of alleged debt.

In the attached documents you will see exhibits that support my claim. This is detailed information and my demands are clear and concise, 1 ) have a knowledgeable representative look over my complaint, 2 ) don't allow Santander Consumer to send a generic or vague response or respond to me directly 3 ) have Santander Consumer Report to me here for my record. I Grant Santander Consumer and the competent representative to respond via cfpb. 4 ) Hold Santander Consumer to the highest standard of the law and don't allow them to just reply with anything and close the complaint. As a federally protected consumer under the title 15 chapter 41 my rights have been violated and Santander Consumer is criminally liable pursuant to 15 USC 1611 and also civilly reliable pursuant to 15 USC 1640 and 15 USC 1692k.

I mailed ( certified mail ) Santander Consumer a debt validation letter and a cease and desist along with and opportunity to correct their abusive acts/ practices in the form of an invoice on XX/XX/XXXX all I got was the fraudulent contract. I also mailed ( certified mail ) a notarized affidavit of truth and the exhibits also an invoice to Santander Consumer on XX/XX/XXXX, XXXX.I 'm sure by using your rights under 12 usc 5531 you will hold Santander Consumer reliable for prohibited unfair, deceptive, and or abusive acts or practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: NH
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-01-16
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Back in XX/XX/XXXX, my bank account was levied by Pressler and Pressler which now the name changed to another law firm. They apparently took the money owed to them which totaled to about {$210.00} and change. On top of this charge, {$150.00} was taken from my bank account which over drafted my account. The point is this, I paid these people off numerous times and they keep coming after me for more and more money. They have threatened me, threaten to sue me, and put me in jail. The last part was that when they levied my account the debt was settle. Now, I took a glance at my credit report and as of today XX/XX/XXXX, they are recharging me again with {$170.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian deleted my address on my credit report so now, everytime i apply for credit or loan, when they pull up Experian, they can not verify my information because the pull would not return or generate a score or credit report because of missing information. They deleted my address on my credit report without my knowledge or consent. I tried fixing it with them by calling multiple times and uploading documents they need in order to add my address on my credit report but still no solutions. Their representative will give me a wait time for it to get resolved but still nothing is ever done. Meanwhile i can not apply for a car loan because Experian would return an error. Please help me resolve this. 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 non-monetary relief
Consumer complaint received 2023-07-05
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23, I noticed XXXX withdrawals, {$4500.00} and {$240.00}, from my Chime account. These were to XXXX XXXX. I do not know anyone by this name, do business with anyone by this name nor did I offer these withdrawals. Said transfers, if they were indeed transfers, were apparently made, on or about XX/XX/23. 

All attempts to resolve this with Chime and/or its bank failed to correct this problem. 

Thus, {$4700.00} was stolen from me, either from a bank withdrawal or illegal transfer. Please, I ask you, to help recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX Dear Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX NA ( Bank ) Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX XXXX XXXX ( Finance ) Made on : XX/XX/XXXX Made with : Transunion Made by : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Bank ) Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX XXXX ( Hotel and travel ) Made on : XX/XX/XXXX Made with : Transunion Made by : XXXXXXXX XXXX XXXX ( Bank ) Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX XXXX   ( Finance ) Made on : XX/XX/XXXX Made with : Transunion

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 2023-08-27
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax, XXXX and XXXX are reporting late payments from companies that are inaccurate. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all reporting inaccurate late payment information. 

These have been reported late for XXXX, XXXX, XXXX, XXXX and XXXX which is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: W&A Intermediate Co., LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX reported medical information to a third-party company violating HIPPA and Federal Credit Reporting Act. My medical information was reported to Wakefield & Associates, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX with out my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX Comenity Bank Bill dated XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$19.00} charged {$19.00} Balance XX/XX/XXXX I Paid {$19.00} I did pay this bill late, my mother passed, my father and his wife were ill and I got XXXX. I did open the mail late, but I paid it as soon as I saw it. 

Bill dated XX/XX/XXXX XX/XX/XXXX Late fee {$19.00} charged XX/XX/XXXX Minimum Interest Charge {$2.00} charged {$40.00} Balance Bill dated XX/XX/XXXX XX/XX/XXXX Payment {$19.00} XX/XX/XXXX Late Fee {$37.00} charged XX/XX/XXXX Minimum Interest Charge {$2.00} charged {$60.00} Balance I called I this point and asked that the Late fees be removed. they agreed to removed one, Leaving a balance of {$23.00} per my phone call. I asked that my account be closed, I paid this {$23.00} the same day. 

XX/XX/XXXX Letter stating, they could not close my account as I had a XXXX cent credit balance! 

I called again, asking that a XXXX check be sent to me and the account closed. 

Statement dated XX/XX/XXXX XX/XX/XXXX Payment {$23.00} XX/XX/XXXX Finance Charge XXXX XX/XX/XXXX Refund of Late Fee - {$37.00} XX/XX/XXXX Refunds XXXX {$2.00} Balance Called again, to have this balance removed and account closed. Most of these are junk fees, far greater than the {$19.00} " membership fee '', I was originally billed for. This is the one and only late payment I have ever had. Every other bill I have connects directly to my bank and are paid directly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-27
Company: EQUIFAX, INC.
State: FL
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:
As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. 

I had colleges and universities enroll me without a XXXX XXXX XXXX XXXX on Lies. The Schools were aware that I was not a high school graduate and all enrolled me, collected disbursements and XXXX XXXX  from the Department of Education Repeatedly. 

I've Reached Out to XXXX and the Department of Education to Rectify this and Nothing has been done about it " For Years ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: Bread Financial Holdings, Inc.
State: NV
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:
I have a credit card from CB/CAESARS, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CB/CAESARS and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30-day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CB/CAESARS with no successful resolution. XXXX, XXXX, and XXXX reported me 30 days late in XX/XX/2022. There was an error on their part. I was never 30 days late twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$580.00} XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-21
Company: Experian Information Solutions Inc.
State: CA
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:
unauthorized hard inquiries from experian XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/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 2021-01-14
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Contacted Discover in XXXX of 2020 to notify them of the fraudulent account, this account was not opened or authorized by myself. Account is being reported as closed but charged off with a balance that is over due and late. As of today Discover continues to report this negative and inaccurate information to my personal credit report, damaging my credit and further intensifying the financial burden and stresses as a result of covid - 19. This information was previously disputed by XXXX and removed, yet XXXX  continues to allow this inaccurate information to report again without blocking it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: TN
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:
Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : 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 2023-05-02
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Someone is trying to make purchases on my debit card and credit card

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 2021-01-14
Company: M&T BANK CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I use M & T bank. I get scammed recently by somebody and this person told me to send them money. The scam was about a job. They send me a check for about XXXX $ and they ask me to send this money for the supplier for some supplies. They ask me to send it through XXXX  money transfer. They ask me to send XXXX XXXX They then send me another check for about XXXX XXXX When I realized I get scammed after 24 hours from money transfer, I went to the bank and told them the story and I asked them to stop this money transfer, they told me they can't. At the same time, they accept the checks firstly online, and after that they told me it is 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