BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-07
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In  XX/XX/XXXX , I was approved for a  Car Loan wi th  Santander  Bank. Started making the payments and received statements copies on my mailing address every month. Payments were set up as Auto Pay so the loan was paid automatically from my checking account on the  XXXX  of every month. This loan was open and in good standing for 1 year and 4 months, no late payments at all. Santander has n't report any of my payments and account closed to all credit bureau and this is affecting my credit as I tried to refinance my card with another bank and they were not able to find this information to give me a better APR. I 've been contacting  Santander  since  XX/XX/XXXX  for this information to be added to the credit report and they promise to do so. The excuse they gave me every time I followed up on this was that my last name was too long. I explained to them that I have business, loans and credit card with a tota l of 7 banks a nd they all report to my credit bureau with the same long last name. Today,  XX/XX/XXXX  they still do n't report anything and the last time I called which was 3 days ago, they told me that they can not report this information anymore because the account has been closed for over 60 days. I made a total  of 7 calls to get this  corrected and never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
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: Their investigation did not fix an error on your report

Complaint:
My was broken into and all my personal belongings were stolen. Now someone has been attempting to open accounts in my name. These are inquires that I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: PA
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:
In regards to XXXX XXXX account number XXXX I have filed complaints with XXXX, XXXX and Equifax. About the account. On XX/XX/2022 all 3 places came back telling me the information will remain on my credit report and will not be change citing that they are all reporting it accurately. This however is in fact a lie and is being falsely reported on my Credit profile. I have attached here to a copy of the final payment along with details of when XXXX cashed the payment. The date is listed as XX/XX/2022, a month before they sent back findings that they are reporting correctly and there is a balance owed. All 3 of the mentioned clearly did not do an actual investigation or provide accurate findings. They simply reply ex that it was correct just to close out the complaint so they didnt need to be bother with it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
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: Information belongs to someone else

Complaint:
I have just recently submitted a complaint by the CFPB to Transunion on an account by XXXX XXXX Transunion was beyond the 30 day limit for validation of this account under the Fair Credit Reporting Act and have decided to open a new Investigation beyond the allotted time to verify this account, I have sent them numerous documents in the past including a XXXX Police Report for Identity theft and FTC Identity Theft Report but TRANSUNION just keeps verifying this account despite all STATE AND FEDERL LAWS, they have elected to ignore all FDCPA and FCRA laws and have not shown any methods used to verify this account including to whom they spoke with, time an Dates, and what documents used to substantiate they're claim. I am uploading the previously sent documents to Transunion as it pertains to this old matter.

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 2023-09-27
Company: Experian Information Solutions Inc.
State: MA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-22
Company: Experian Information Solutions Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX To whom may concern, I'm writing to dispute the following information the overseas company supplied XXXX XXXX XXXX XXXX XXXX Located XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX. And I'm requesting an investigation on Experian and The creditor for the bridge of contract and over-billing and providing misinformation. information that affected my credit report and my reputation as a debtor of my creditworthiness. XXXX XXXX XXXX XXXX has reported an invalid and inaccurate debt because I decided to stop doing business with the company for lack of information and debt amounts they have already collected out of my XXXX account from XX/XX/XXXX- XX/XX/XXXX. When I tried disputing overpayment with them and started to request for superior, they started being hostile and not providing information and miscommunication, lies, etc. Experian has not given me the opportunity to fight this Online scammer that I have dealt with Since XXXX. When I reach out to Experian they advised since I was the one who did business with that company whatever information this overseas company reported is correct without fully investigating the information that I have submitted to them. The company can report inaccurate information which is violating the Fair Credit Reporting Act by providing the wrong balance and try collecting more debt than they have collected in the past 3 years. I would like Experian to provide all the documents such as all my payment history from day 1 and my legal signature to any agreement they have against me that I have signed manually to this credit and I will provided my bank statement from XXXX for investigation. 



XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX Person ID XXXX Available account limit : {$930.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: First Advantage LNS Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted by Affirm and/or XXXX  stating I qualified for an upgrade because I had paid off more than half of the amount of the XXXX XXXX. I went ahead and took advantage of the opportunity to upgrade. One of the conditions were to send in the XXXX XXXX and once it has been evaluated for it's value. The remaining balance would be paid off. I received an email stating the balance would be paid off. Unfortunately, Affirm tried to attempt to take the monthly payment despite the confirmation the balance would be paid off. I found out this was blemish on my credit report, is when I went to the dealership to purchase a vehicle. Again the XXXX XXXX balance was paid off. I attempted to get the matter resolved by contacting Affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
To Whom it May Concern : My son found an old gift card ( MasterCard ) with an expiration date of XX/XX/XXXX. I have been unable to get any information on the card. The customer service No. is ( XXXX ) XXXX and the site is : XXXX I was unable to get a hold of anyone. The system does not recognize my card and it places you in a loop to report it " lost or stolen '' or alternatively enter the account number again. 

I can't tell if the card has been used. I can't get a transaction history. From what I understand from my son, he cleaned his room and found the card. I don't believe that he ever used it, but I can not verify. 

I know that in California, Cal. Civil Code 1749.5 Expiration date is prohibited.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-05-07
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have an agreement for sutomatic withdrawl of {$180.00} from my checking account to service the  Navient  loan. However this month  Navient  withdrew {$460.00} from my account WITHOUT my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Waypoint Resource Group, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I asked this company to verify their debt as theyve been attempting to collect money from me according to my credit report. 
I have never had any accounts with waypoint

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 2022-05-03
Company: Self Financial Inc.
State: SC
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 act Reporting act XXXX  : Self Financial, Inc XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX Account ( s ) # XXXX and XXXX XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end Consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: EQUIFAX, 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:
There are items still on my credit report that have been reported more than once. All contacts with FTC and local police department have been made. However these items are yet still on my report : XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 XXXX, Has Violated My Rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-03
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citibank offered a XXXX XXXX mileage promotion in which a customer opened a new account for various deposit amounts to receive mileage. 

I deposited {$50000.00} to qualify for the bonus of XXXX miles. 

Terms and conditions on offering circular stated deposit new - to - Citibank funds into your On deposit balance within 30 days and maintain the deposit balance for 60 consecutive calendar days and sadly, you will earn up to XXXX bonus miles I called on a recorded line XX/XX/2021 to Citibank after the XXXX day, as clearly stated on the disclosure and requested a withdrawal of my funds, but to maintain the account to remain open to insure that I would receive the Bonus. 
I was assured by the Citibank agent that I would receive the bonus and would keep the bank open keeping a {$100.00} balance to insure I would receive the bonus. 
Later, I received a check for the full amount of my account balance which closed my account. 

I waited months for my XXXX mile bonus which never appeared on my XXXX XXXX account and began calling Citibank. 
I throughly explained that the promotion offer specifically said Balance was to be maintained on 60 consecutive days and not to remain open to receive the mileage bonus.

Numerous calls, resulting in various questions and responses to the wording of the promotion terms and conditions.

I filed to complaints with compliance and marketing department and received negative results to my complaint, basically saying account needed to remain open after the 60 day period. Even when I advised them that I had instructed the account representative to in fact keep the account open with {$100.00} to be safe.

My complaint is basically truth in savings agreement and false advertising in their marketing brochure, which I have in my files.

I am mostly upset with this frustration on a very minimal bonus for a new customer and the lack of clarity in the truth in advertising that they would not observe the customer is always right rule as i will continue my quest in filing this complaint with you. 

Thank you, 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 2022-12-29
Company: EQUIFAX, INC.
State: MD
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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: BSI Financial Holdings, Inc.
State: NJ
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: Didn't receive services that were advertised

Complaint:
Dear BSI, Thank you for the attached response letters to the CFPB. 

Attached is BSI XXXX XXXX from your website which provides the information for BSI 's Mortgage Servicer Licensing in Florida, namely. 
Florida Mortgage Lender Servicer License XXXX Please provide your Lender licensing information in Florida. 

Please note that the attached IRS Form 1099A lists BSI Financial Services as the Lender. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: AmeriCollect
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was involved in a vehicle accident in XX/XX/2019. I was not at fault for the accident, and all my medical bills were paid by XXXX. Instead of sending one bill sent several items to collection which were on one bill paid by the insurance company. I have attempted to contact AmeriCollect to correct this inaccurate reporting. However I have been unsuccessful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Block, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Hello On XX/XX/XXXX at XXXXXXXX XXXX I tried to purchase movie tickets from the company XXXX  the price was {$34.00} I received an error message that says " we are sorry, but there was a problem reserving seats at this theatre and right after that I received a text from XXXX  that says you spent {$34.00} at XXXX I called XXXX and asked them where are my tickets they said the sale was voided I asked them why and I never got an answer but by that time I didn't care I was only concerned about getting my money refunded I asked them specifically if I did not purchase anything why didn't they send me an e-mail confirmation about the voided sale then they sent me an email that has their policy about unsuccessful transactions I asked each company why my funds were being held if I made no purchase and they both blamed each other and I was not told how long I would have to wait for the release of my funds it was 7 days I want to know as a consumer do I have any rights If the company voided the sale right after I attempted to make a purchase why did they hold my funds it was clear that nothing was exchanged money for service or goods just two companies playing around with me for a week on the XXXX  account it doesn't even show that the funds were refunded I just got a text message like it never happened my children and grandkids rely on these cards they are college students if they attempt to purchase something and the sale doesn't go through and their money is held up for 7 days that could be disastrous for them I was fortunately able to go to the theatre and purchase the tickets I am concerned for people who rely on these cards to reiterate if the company canceled the purchase on their end and there Is no sale why did they place a hold on my funds for 7 days the card company said they did not place the hold and the company said the same I have chat messages from both telling me to talk to the other company XXXX XXXX is not accepted everywhere ok so if that's the case then why can't I be told that at the point of sale so I can use another pmt method which is what I think may have happened since nobody said why they didn't let me use the card I have used it with no problem ever before or since then

Company response to consumer: Closed with explanation