BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX of 2023, I wrote a check in the amount of {$24000.00} and sent it by mail to the Massachusetts XXXX XXXX XXXX. When I received my electronic bank statement in XX/XX/2023, I verified that the amount had cleared the account. However, on XX/XX/2023, the payee contacted me to inquire the status of the payment. On that date, I reexamined the bank statement and the image of the front of the check showed the that the check had been altered. The payee was changed to XXXX XXXX and the word services was added on the memo line. I immediately contacted the Santander Bank fraud department and filed a fraud claim. Santander Bank has denied this claim in reference to a 30 day period during which a customer is expected to report fraud subsequent to the bank posting the statement of activity.

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 2022-06-15
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Sat, XX/XX/2023, found the ticket advertisement for concert on XXXX website : Tickets can be found at XXXX. 
Ordered tickets : Youll receive email with instructions and tickets from original provider, not XXXX. 
Found similar tickets almost two times cheaper on XXXX XXXX. Tried to return the tickets, but no return only a sale on the same website. Tried to sell, but no email from provider, no tickets, nothing to sell. 
Report scam. Citibank opened a payment dispute and the respond : Investigation completed ; without a valid slip we are unable to intervene with the merchant. * Nothing to return, no slip from scammer. 
Sun, XX/XX/, from XXXX. 1 hour left to send your tickets, if you do not send the tickets, charges will apply. No email and tickets from provider, nothing to send. 
Mon, XX/XX/2023, from XXXX : Charge applied, reason : XXXX Not XXXX. 
Open payment dispute with Citibank, got response : If you continue to dispute, provide documentation that the merchant charged you twice for the same merchandise. * No comments. 
For some reasons Citibank, by absurd impossible requests* to initiate disputes the charges, prefer to participate in scam instead protecting customer from it. If stealing money from customers by scam is illegal way to do business and customer protected from this, please help me to get my money back.

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 2023-08-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a tuition reimbursement check for {$1900.00} from my employer to my Chase checking account on Friday XX/XX/XXXX via the Chase mobile app. Within 20 or so minutes I received an email that stated We accepted your check ( s ), but your funds will be delayed for the following reason : Checks within this deposit may not be paid because of information we have received from the paying bank or due to information we have within our own files. This is the same account my employer uses for my biweekly direct deposits to this same Chase checking account for several years. My employer is a large company in XXXX and there has never been an issue with my check. 

I called customer service after the email on XX/XX/XXXX and was transferred to their holds department but they said no info on the check is visible yet and to call in a few hours. I called around 4 pm again and customer services said they did not see a hold on the transaction ( I saw a hold message on my online account ) and that my funds should be a available the next day and if not to call the holds department back to verify the funds. I called Chase again the next day, which was Saturday XX/XX/XXXX and the holds department said to call back Monday because they must speak with the bank the check is from during business hours. I called Monday XX/XX/XXXX and was placed on hold but then told that the band the check is from will not verify information to 3rd parties like Chase. The person on the phone did put in a back office request to release funds due to my positive account profile but advised that if I did not see the money available within 1-2 hours then that meant it was denied and would not be available until Mon XX/XX/XXXX. I need this money to lay this semester tuition and am struggling to understand the sudden issue with a check from my employer from their existing account which is from a major bank ( Amalgamated ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
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: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: NY
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This complaint is against THE CBE GROUP XXXX XXXX XXXX XXXX, IA XXXX. I have no contract with this 3rd party debt collector. They also never notified me in writing and if they did please provide evidence that you notified me before parking this on my consumer reports without my consent. You are in violation of the FDCPA if this account isn't removed from my consumer reports I will pursue suit and remedy to a federally protected consumer. Account number listed on my consumer report is XXXX. I have never done business with XXXX XXXX delete this from my consumer reports. I am also questioning the account balance listed own my consumer report shows {$390.00} but why is the original balance {$390.00}? 

I also have the right to privacy I need this deleted/ removed because I never gave you consent. You are also reporting inaccurate and incomplete information why are there payment terms of 1 month on this collection account but the name of THE CBE GROUP? 

If this is a collection account how can you put a status of " COLLECTION ACCOUNT. {$390.00} past due as of XX/XX/2023 ''? I have never opened an account with THE CBE GROUP remove and delete this immediately. 

Why is there a date opened? I have never opened an account with THE CBE GROUP and if I have where is the evidence that gives you the right to report this on my consumer report? DELETE/ REMOVE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: AL
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be fixed from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. 
Please take notice that I am updating my personal information with all 3 major credit reporting agencies as described in 1681a ( p ) to ensure that I am protected as a consumer. Therefore, I have enclosed proof of current residence, social security number, and a copy of my identification card. Please update my information accordingly. Any of the following personal information ( any name variations, social security number variations or date of birth variations ) that differs from the information listed below I hereby request its removal.

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: LEXISNEXIS
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-11-15
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear XXXX, According to 15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report except for : Name : Address : XXXX XXXX : Date of Birth : XXXX : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete all phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please update and delete all requested personal information. 
Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX XXXX. I had bought shoes worth {$300.00} using XXXX, linked to my wells fargo debit card. from my neighbor and he stated the shoes were legit, After a couple of hours I had them legit checked from a local sneaker store and turned out the be fake. Next day, XXXX XXXX. I contacted my neighbor stating the shows were indeed fake and I want my money back and Ill return the shoes, he just kept giving me run arounds saying they are real when they are not fake and he claims the person from the sneaker store was lying. I also had them checked on sneaker groups and all said the same. I waited for about 10 days for him to give me my money back till I file a dispute from wells fargo so XX/XX/2023. I decided to contact wells fargo and filed a dispute and they investigated for a couple of days and they denied my dispute on XX/XX/2023 according to them it was because I paid using XXXX. But it was linked to my wells fargo 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 2023-11-15
Company: EQUIFAX, INC.
State: RI
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:
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 and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have NOT been in contact with this company except to file a complaint via CFPB. I am requesting for this company to provide a ( Debt Validation Letter ) signed contract by me proving that they have a legal right to collect on this debt. More importantly to provide the original contract signed by me, authorizing the original company to sell the debt to a third-party collection company. My legal rights are being violated by this Collection Agency because there is no contract signed by me proving a business agreement and they have not provided me with the Original signed contract with my authorization. Reporting a debt without a legal agreement is in direct violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Lender is XXXX XXXX servicing a XXXX XXXX. 

Lender website only indicated that I owed {$510.00}, but lender reported to all credit reporting agencies that I owed the total amount of the loan ( just under {$12000.00} XXXX. However, this loan was actually paid off in full when I refinanced at the end of last year. I received a letter from the new lender ( under which I refinanced my loan ) on XX/XX/2020 indicating that payoffs have been sent to University Accounting Service , LLC ( UAS Connect ). Despite this, the loan servicer reported that I was 30-59 days late on my XXXX loan payment. Furthermore, the loan servicer reported that not only was a regular payment due, but that the total principal of the loan was the amount due in XXXX. This severely impacted my XXXXredit score. After noticing this on my credit score, I went to the website and noticed that the only amount the servicer would allow me to pay off was {$510.00}. I paid this off in order to resolve the credit issue. Shortly after paying this off, I received a notification that I was actually owed {$510.00}, despite the fact that my {$510.00} payment was made in accordance with what UAS Connect indicated to me was the total amount due at that moment. 

It is entirely unacceptable that a loan servicer would behave in such a disorganized manner, especially when their disorganization directly impacts my credit score. My payment history attests to the fact that I had been making payments on time consistently until UAS Connect 's mixup in XXXX. UAS Connect 's incorrect reporting caused my credit score to drop 48 points. 

I was forced to file disputes with all three major credit bureaus regarding the loan amount. Apparently, UAS Connect had not even changed the status of my account for the past few months, despite my refinancer sending the payoff in late XXXX. Upon receiving my dispute, UAS updated the status of the account but did nothing to alter negative remarks to the credit score. 

This is a clear violation of Section 623 of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
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:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX Balance : {$630.00} XXXX  XXXX XXXX Balance : {$700.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX  XXXX Balance : {$700.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX  XXXX Balance : {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
After I reviewed my report from XXXX, XXXX and TransUnion I found out that I was a victim of Identity Theft. I sent a dispute to TransUnion on XX/XX/2021, where I disputed the fraudulent items. I also sent them an Identity theft affidavit. Under FCRA 605B ( 15 U.S.C. & 1681 c-2 ) the bureaus need to block the items in 4 days after they receive the dispute but they failed to do so. That is the reason I send you this complaint. TransUnion is the only bureau that failed to comply with the law, XXXX and XXXX already blocked the fraudulent accounts.

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