BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-25
Company: Experian Information Solutions Inc.
State: GA
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 disputed my credit report and I found the following items that are reporting incorrectly on my credit report. I was never late on the following items : XXXX XXXX : - 30 days late reporting on Experian and XXXX - 60 days late reporting on Experian GA XXXX XXXX - 30 days late reporting on ( XXXX, XXXX, and Experian ) XXXX XXXX - 30 days late reporting on ( XXXX and XXXX ) XXXX - 30 days late reporting on ( XXXX, XXXX, and Experian ) - 60 days late reporting on ( Experian and 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 2021-04-07
Company: Santander Consumer USA 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: Account information incorrect

Complaint:
Chysler Capital is reporting incorrect information they have stated I have a 30 day late payment, my payment has never been late. I asked for a deferment which they sent me by email the agreement to sign which I did the same day and it was their error per a manager I spoke to on the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
THIS ISSUSE IS AFFETIONG MY LIFE, I CANT SLEEP OR EAT BECAUSE THIS ISSUE IS INPACTING MY LIFE. EVERY TIME IM TRYING TO MORE FORWARD THIS SHOW UP LIKE A BAD DREAM

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: NJ
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:
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. 

I told the Experian, XXXX XXXX and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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.

Also they are not even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-11-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Im requesting the assistance of the CFPB to investigate SPS for failure to perform under investor- services guidelines and dual tracking of foreclosure. I had communicated with SPS on XXXX of XXXX  that my self my family had came in contact with XXXX XXXX XXXX  and my payment was going to be late due to my illness and the inability to work and generate money. SPS stated they sympathized woth my situation and would place me on a Covid forbearance during this time and once I was able to resume making payments I was to give them a call and they would allow me to resume to make payments. 3 months later I reached to SPS and advised I was ready to resume with my payments but at this point now they wanted me to resumit documents for loan modification review which I did. I sent SPS the following : 3 months bank statements, profit and loss, 2 years income tax, utility bills and faxed and emailed to them. As I called to get status of my review they stated sps was still reviewing my case and they didn't need any documents but that my loan was referred over to the attorneysfor foreclosure I begged them to stop the foreclosureon my home while they game a proper review as they promisedbut they refused i also advised them that what they where doing was illegal under Dual tracking laws of foreclosure but they stated it didn't pertain to them and they didn't have to abide by those rules since my investorwas private. Soon after I was denied for mortgage help and didn't matter how many times I applied or asked the reason why I don't qualify or requested somethingin writing they refused. The only thing an agent told me was since my loan originated during covid times they would not modifymy loan no matter what. I belive SPS purposely offered me a XXXX forbearance knowingthat they where not going to help me afterwards. I've offered them cash to bring to the table in hopes of good-faith offer but they decline it all. I have not been assigned a single point of contact this entire time and each time I call to request status there is no notes and nobody can help me. I've requested for them to place the amount past due to the end of the XXXX on the side of it so I can resume with my mortgagepayments but denial all request I've made. I belive this falls under the predatory lending practices since they allowed me to fall past due so many months by putting me under the forbearance and sps knowing I would not have the funds to repay back this amount. Sps has committed Negligenceand failure to perform under there promises covered under covid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I was in a car accident in a car accident car insurance paid the car off. I have sent the police report and gap insurance payoff and they refuse to remove from credit report ever time I sent documents. They have closed the account on my report and it is affecting the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is reporting incorrect and damaging account info on my report. The fraudulent account : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN, XXXX ; XXXX. XXXX alleges and Transunion is incorrectly reporting an account with a balance of {$690.00}, opened XX/XX/2018.

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: Experian Information Solutions Inc.
State: NC
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:
XXXX  XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX  Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX  IN Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX  IN Mortgage Reporters XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$3700.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$900.00}

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 2022-04-28
Company: WELLS FARGO & COMPANY
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:
In accordance with the fair credit reporting Act XXXX  account has violated my rights. 
15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 A Section 2 It also states a consumer reporting agency Can not furnish 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 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 2018-04-16
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have a Best Buy store credit card, and was enrolled in the debt protection plan on XX/XX/XXXX. I have a letter sent to me by Best Buy Credit Services that also confirms that date. 

Over the past 6 years they have collect $ 800+ from me for this " protection plan ''. 

I called and cancelled the service in XX/XX/XXXX of this year and applied for a full refund of the funds. I was sent a letter back declining my application for a refund due to : " Account was protected by the program benefits through the end of the billing cycle in the month in which you cancelled, any previously billed fees are valid and non-refundable. '' I've never once received any assistance from this program, and the above language makes absolutely zero sense. 

I found the document file number : XXXX that is a consent order given to Citibank outlining the exact thing that I was hit with. Page 4, section c states : " 'Affected debt protection customer ' is any person who on or after XX/XX/XXXX enrolled in : Credit protection at point-of-sale terminals or balance protector at point-of-sale terminals at specialty services desks, except for such customers who submitted a claim for benefits pursuant to the respective product 's terms and conditions and were paid a benefit, or who signed and returned to respondent an acknowledgment of membership form after enrollment '' I do not ever remember accepting into the program, and I certainly didn't fill out a membership form. I NEVER received any letters or emails from Citi regarding the {$700.00}  XXXX they were ordered to pay back to their customers. 

I was a XXXX college student, who had to buy a computer in order to finish my education. Of course having a 0 % APR for 2 years is extremely appealing when that's the exact time frame of you getting out and getting a real job. In the 10 years I've had their card, I've never missed a single payment. It disgusts me to find that I'm only one of millions that got scammed out of cash just so a corporation could make a few extra . 

I would give an exact amount, but I can't seem to get a complete lists of all my statements since XX/XX/XXXX from Best Buy. 

Any help in this situation would be extremely helpful. I've called their customer service number many times, but without fail I'm put into a never ending loop of forwarding to departments. 

Regards, 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 2023-09-25
Company: Experian Information Solutions 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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section XXXX which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-15
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid 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:
the XXXX  regulations does it say that the consumer must have a correspondence with the merchant. It only requires that the consumer to try and contact the merchant. I wrote a letter to Citibank credit card CEO, head of XXXX and CEO of XXXX XXXX on XX/XX/XXXX and said that their reasoning for not processing the chargebacks did not follow XXXX Policy.I then received a letter from executive correspondence which statedWe may be able to assist you if you provide us with a documentaon showing the merchant agreed to credit your account. If you are unable to provide this, you will need to seek other means to obtain credit.Then XXXX from executive correspondence told me my time was up. I only had 60 days and that time had passed. We had an argument over the 60 day timeline. She told me I didnt know what I was talking about and I told her she was wrong about the 60 day timeline. I have attached the XXXX document, Timeframe for chargebacks is on page 60.I talked to the XXXX again from executive correspondence and she now claimed that I didnot ask for the refund properly. I had not cancelled my account but just asked for a refund. I told her the account was cancelled in XXXX and the email asked for the refund. Again, she said I was wrong and Citibank would not process my chargeback through the system.I want all phone conversation with Citibank from XX/XX/ untiXXXX XXXX XXXX.I want to know how many other customers did they process a chargeback through the system against XXXX XXXX.I want Citibank to honor XXXX Policies and process the chargeback through the system. 

If you get the recordings, it will prove everything I said.

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: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account INQUIRY DATE : [ XX/XX/XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TD BANK US HOLDING COMPANY
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I submitted full payoff amount to the CEO of TD Auto Finance. I sent two certified letters with full payments under XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I havent got a response from them or even a call to discuss. I sent the full amount and I got centerfield return receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XX/XX/2021 I applied for credit from XXXX. They denied my request based on a report from Experian. 

The report said : 1. SERIOUS DELIQUENCY 2. % OF BALANCE TO HIGH CREDIT ON BANKING RELVOLVING OR ALL REVOLVING ACCT 3. TIME SINCE DELIQUENCY TOO RECENT OR UNKNOWN 4. TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED. 
1 is false, 2 is partially true, 3 is false, and 4 is false. All my accounts are paid as agreed with zero lates.

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: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid 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:
American Express refuses to give me my {$1500.00}. They say the will but don't***** Below is the communication I have had with the company. 

XXXX XXXX  -- -As you can see in the attached American Express XXXX me {$1500.00} and has owed me these monies in Excess of more than 1 year. I know you have promised to credit my Credit Card by XXXX XX/XX/2023 in that amount. However, if I had owed you this amount of money you would have charged me more that 23 % in interest penalties. I believe in the old adage " what is good for the goose is good for the gander ''. I do believe that you owe me {$360.00}. Please credit my account for the additional funds. 


FROM XXXX  XX/XX/2023 - This message will be available until XXXX XXXX, 2023. You can print a copy for your records. 
Important account information Account Ending In : XXXX Dear XXXX XXXX XXXX, We wanted to make sure we followed up right away about your missing {$1500.00} refund check. Don't worry we made sure we placed a stop payment on it on XX/XX/2023, and then credited the funds back to your account. 
Thank you for giving us an opportunity to serve you. 
Sincerely, American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX THEY LIED AS THEY NEVER SENT A CHECK TO ME.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 


This is unacceptable! REMOVE THIS 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 explanation