BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-12
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Credit reporting 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:
SANTANDER CONSUMER USA
XXXX XXXX XXXX XXXX XXXX, TX
XXXX


THE CAR WAS RETURNED AND THE ACCOUNT WAS CHARGED OFF OVER SEVEN YEARS AGO BUT STILL APPEARS ON MY CREDIT REPORT.  IT HAS BEEN DISPUTED IN THE PAST BUT REAPPEARS AND CAUSING FINANCIAL BURDENS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: WorldRemit Corp.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I used WorldRemit ( WR ) Services to transfer to my mom in XXXX {$100.00} of which WR charged me {$2.00} ; The total of {$100.00} was immediately debited from my account through the WR app. On the same day WR notified me that the transaction was pending because the recipient had reached the limit allowed. This transaction remained pending for a couple of days and, on XX/XX/XXXX I requested a cancellation of the transaction ( case # XXXX ) ; I received an email from WR confirming my request to cancel the transaction and that I would be refunded withing 7 working days. On XX/XX/XXXX I emailed WR to follow up on the status of my Refund and I received no response. On XX/XX/XXXX I emailed WR again to follow up on the status of the refund of which they send me a copy of the refund letter. I raised a complaint with my bank ( XXXX XXXX XXXXXXXX ) and told them that I was looking for a refund of {$100.00} ; they could not find it however they did a temporary credit of {$100.00} ( XX/XX/XXXX ) while they were investigating/searching for the credit. On XX/XX/XXXX the bank returned to me to advise that they could not find the credit from WR and they reversed the transaction. I then notified WR that the bank could not locate the credit ; WR asked me contact XXXX pay, XXXX cash to XXXX  for this refund which I did. I emailed WR a copy of the letter from bank advising that there was no credit and I also sent WR a copy of my bank statement to show them that there has been no refund to my account. WR then asked me to contact the bank to obtain a signed letter ; I asked for a signed letter from WR to prove that they credited the money and I never received a signed letter from WR but they expect me to get a signed letter from the bank. On XX/XX/XXXX WR has asked to contact the bank to explain to them about XXXX transaction. I emailed WR to explain that it is not my responsibility to tell the bank how to do their job. 
After several emails and phone calls to WorldRemit, as at today XX/XX/XXXX I have not been refunded of my {$100.00} from WorldRemit. I am disgusted, mad, frustrated, upset and I am recurring to you to see if I can get any help on this case. I am a single mother and {$100.00} is a lot of money on my pocket. Its unfair how I have been treated by WorldRemit in order to get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-01
Company: Experian Information Solutions Inc.
State: CT
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:
Experian is willingly and knowingly transmitting fraudulent information regarding my credit profile. XXXX XXXX XXXX claims I owe their company {$450.00}. This account is not mine and is a result of identity theft. I have notified the creditor directly and the credit bureau, however, both have failed to act accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 U.S.C. 1681 Account Name : XXXX XXXXXXXX XXXX XXXXXXXX - Acct # XXXX - {$10000.00} Account Name : XXXX XXXX XXXX - XXXX XXXX XXXX. at XXXX XXXX - Acct # XXXX - {$2800.00} Account Name : XXXX XXXX - Acct # XXXX - {$200.00} Account Name : XXXX XXXX XXXX - Acct # XXXX - {$130.00} Account Name : XXXX XXXX XXXX - Acct # XXXX - {$130.00} Account Name : XXXX - Acct # XXXX - {$120.00} Account Name : XXXX XXXX XXXX  Acct # XXXX - {$700.00} Account Name : XXXX XXXXXXXX XXXX - Acct # XXXX - {$2400.00} Account Name : XXXX XXXX  - Acct # XXXX - {$4000.00} 15 U.S.C. 1681 Section 602 ( A ) states, I have a right to privacy. 
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. 

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ). In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1681 C ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, or any other adverse item of information other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 -2 ( 2 ) ( 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: PA
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:
To whom It May Concern I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not say they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the FCRA where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never head of which made me write to you all.

Are you familiar with something called 15 U.S.C Sec 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts : Account Name : US Department of EDC Account Number : XXXX Balance : {$1200.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : US Department of EDC Account Number : XXXX Balance {$2200.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report I also read where i can get the updated report after you investigate this from the free lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Thank you for your time and help in this 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 non-monetary relief
Consumer complaint received 2019-07-08
Company: Experian Information Solutions Inc.
State: MD
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: Problem getting your free annual credit report

Complaint:
experian offered me a free annual free credit report, for XXXX, which will turn into XXXX as soon as i give them my card number. i am trying to get a loan to buy my home. i need to give the bank a report not a score but a report. how can you halp get my free report not just my score. 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 2023-11-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In the early morning of XX/XX/23 my phone and wallet were stolen near the XXXX XXXX in New York. Whoever stole my phone, turned the location services off within XXXX minutes and made multiple apple pay, XXXX and ATM withdrawals. The thief even called Wells Fargo and changed my online banking username and password. That was possible as he had my phone, account number, and online banking access. I called Wells Fargo to block my account and dispute the transactions. I became a victim of stolen funds from my Wells Fargo account and I filed a police complaint with the reference number XXXX. Wells Fargo reimbursed a temporary credit to my account and I thought the dispute had been settled as I had been in constant touch with them and the police. However, this claim was unfairly denied by Wells Fargo. Upon requesting Wells Fargo their comments on this incident, they said that some one had access to my online banking. On my online portal the comment says that, I do not remember making those transactions. Which was clearly not the case. The company failed to take in important facts and have given an unfair resolution to this dispute. I wish to emphasize that I am a victim of a crime, and the unauthorized transactions on my account were entirely beyond my control. Attachment includes the statement of withdrawals and the letter received from Wells Fargo.

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 2023-04-18
Company: Experian Information Solutions Inc.
State: RI
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 U.S.C. 1681 Account Name : XXXX XXXX XXXX XXXXXXXX - Acct # XXXX - {$10000.00} Account Name : XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX - Acct # XXXX - {$2800.00} Account Name : XXXX XXXX - Acct # XXXX - {$200.00} Account Name : XXXX XXXX XXXX - Acct # XXXX - {$130.00} Account Name : XXXX XXXX XXXX - Acct # XXXX - {$130.00} Account Name : XXXX - Acct # XXXX - {$120.00} Account Name : XXXX XXXX - Acct # XXXX - {$700.00} Account Name : XXXX XXXXXXXX XXXX  - Acct # XXXX - {$2400.00} Account Name : XXXX XXXX  - Acct # XXXX - {$4000.00} 15 U.S.C. 1681 Section 602 ( A ) states, I have a right to privacy.

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.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ). In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1681 C ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, or any other adverse item of information other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 -2 ( 2 ) ( 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 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: FCI Lender Services Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX I purchased my home at a price of {$460000.00}, with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I was explained that I would pay a total {$3500.00} roughly. However this bank refinanced my house with XXXX XXXX XXXX XXXX XXXX At the time they stated you do not need to pay a small loan which I assumed was part of my original loan. I continued to pay my mortgage to XXXX. After XXXX I recieved in the mail a letter stating that I was to pay {$200000.00} in a lump sum, from FCI Lender Services. I was summons to court and with no positive solution I was told that my house would be going into Foreclosure. I ask that we sit down and work something out. As I invested lots of money into my home, and my family can not be out in the streets.

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: JPMORGAN CHASE & CO.
State: MI
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:
I have been banking with JP CHASE bank for years nowAnd recently i applied for an apartment through my section 8 voucher and was denied SOI actually was told I had a felony which is a lie I went downtown XXXX and got a letter proving that was a lie on my CREDIT REPORT and that my CREDIT SCORE was really badSo that lead me to investigate my history of CREDITAnd when I start investigating I realized that not only am Im being discriminated against but also REDLINED by my BANK and CREDIT bureaus like XXXX and other companies like them have straight up DENIED me CREDIT!!!! I can prove it JP CHASE has never approved any of my application not 1 I am a single XXXX  woman that never ever HAD 1 credit card and Im XXXX yrs old and that makes me cry really hard because this BANK said they can never accept my application due to credit score.BUT they wont allow me to build any history with credit because they tell me NO to every APPLICATION. THAT IS DISCRIMINATION!!!!!!! I only have had a bridge card lately in life and on social security.This is absolutely WRONG.Due to HJR-192 UCC1-308 how is this at all lawful to deny me credit and then tell me its my credit why I cant get any loans. : ( why XXXX old XXXX  girls get XXXX limits due to their parents demographics of life Jp I feel used and I consider this bank XXXX and discriminating against meI tried calling asking the CHASE BANK what is the issue and I recently applied for a truck OF COURSE DENIED & on top of it GASLIGHTING ME telling me its my credit and they will mail out the reason for denying meWhich I already know its because of this so called REDLINED CREDIT.I spoke to several supervisor and was treated like a child and talked to like I was absolutely nothing and told basically nothing that was LEGALLY ACCEPTABLEI also have recordings of how they talked to me and the sad excuses they came up with WHICH was not at all LEGALAt this point Im out of option and I want to sue them because I TRULY HAVE NEVER HAD A CREDIT CARD in my LIFEBlack families should have some type of support from the bank I get that you guys have to use us so how could you actually help us financially but honestly its the LAWHJR-192 and to be honest how would you feel if you if you were treated this wayIm an XXXX woman but not that behind to see when an organization is discriminating against XXXX want the same equal rights as any other person on this planet.Whats truly sad is that this corporation actually feels that its ok to deny me please investigate CHASE BANK because I truly have been taken advantage ofUCC1-308 UCC3-603 UCC 3-306 UCC 3-104 15 usc1681 b Discrimination is not okay at all and if youre racist May god FORGIVE YOU!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my XXXX XXXX. Please remove them promptly and ensure that they do not reappear.

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 2023-04-18
Company: SANTANDER HOLDINGS USA, INC.
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not Account number I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payments transaction records from the creditor that would prove that my payment was not submitted on time.is my understanding that you must verify these items with the reporting agency .if they are unable to provide the proof or if lacking proof of these payments being late.please update my payment history to XXXX status paid as agreed never late according to consumer protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Ad Astra Recovery Services Inc
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company is reporting to all 3 major credit bureaus that I still owe a debt in connection with a payday loan. I satisfied and paid this debt on XX/XX/2018 through a law firm they hired to help collect the debt. When I speak to AD ASTRA ( the company reporting the collection to equifax, transunion and experian ). They tell me they have not yet received " remittance '' from the law firm and refuse to report this accurately as paid in full. The law firm, XXXX XXXX, states they sent AD ASTRA the proof of payment on XX/XX/2018 and that AD ASTRA is the only one that can correct the reporting on my credit.

I called AD ASTRA today and was hung up on repeatedly and told they would not correct this reporting. I have filed disputes with all 3 credit bureaus and supplied the proof with documentation, but AD ASTRA has maintained this reporting to all 3.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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