BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-24
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
There has been statements which have not matched my records and statements which have not been in accordance with the disclosures from SANTANDER CONSUMER USA XXXX that I have received at the consummation of the transaction. I am formal giving notice of this billing error until I receive all documentary evidence. Until this documentary evidence has been received this billing error is a violation of 15 U.S.Code 1666b. 


The billing statement I received by SANTANDER CONSUMER USA XXXX on XX/XX/2020 is a billing error. To clarify and addressed such subject matter contained in this billing statement I am invoking my right to obtain the documentary evidence, in accordance with 15 U.S.C. 44 for the books of account as described in IRS Publication 583. To verify such alleged amounts, I want to see both journal and credits of account and ledger and debits of account to verify the current accounting and taxes associated with this account. Also, I am putting all of the past from the date the account was open, present, and future billing statements in dispute also until I get provided the documentary I am requesting to clarify and address the matter. 



15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done SANTANDER CONSUMER USA XXXX can not report late payments in accordance with regulations of the XXXX12 CFR 1026.13 ( d ) ( XXXX ). If SANTANDER CONSUMER USA XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b. I am disputing billing error on past billing, from the time the account was open, present, and future until you provide me with the documentary evidence I requested in this statement and therefore it is a violation for all the late payments you posted onto my reports so I need this updated immediately. 

SANTANDER CONSUMER USA XXXX as the creditor may not collect any disputed amount, I the consumer does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by SANTANDER CONSUMER USA XXXX will forfeit its rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold the creditor liable under 15 U.S.Code 1693m for SANTANDER CONSUMER USA XXXX for the actual damage caused to me as well as held to criminal liability pursuant to 15 U.S.Code 1693n for failing to required documentary evidence as requested to clarify and revolve the previously addressed billing error. 

with resolving this billing error, the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S.Code 1666 ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or about XX/XX/2023, at approximately XXXXXXXX XXXX, as I have done in the past, I deposited {$3200.00} in cash in the CHASE bank branch ATM in XXXX, CA. 

Immediately thereafter, the machine displayed a red screen while producing a transaction number AID # XXXX, also noting that " Deposit to Chk Acct XXXX To be sure your deposit went through, please call us at XXXX. XXXX '' I immediately went inside the bank and reported the transaction since I needed that money to pay for my rent. I was shocked and surprised that the representative stated that I needed to place a " claim '' and there would be a 10 day investigation. 

I reiterate that this money was intended to pay critical housing bill as I have done for the past 3 years. 

How is it possible that in this day and age a bank would advertise the convenience use of its depositing machines with these menial impediments? 

I have now incurred substantial credit expenses and fees together with anxiety and panic attacks all the fault of a grossly negligent bank. 

Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: LA
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:
In Accordance with the Fair Credit Reporting Act. The three credit bureaus below has violated my rights. XXXX, Experian and XXXX. 

this is the correct info that should appear on my credit reports. 

Name : XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Selene Holdings LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX Have now been retained as attorneys for Plaintiffs XXXX XXXX XXXX and XXXX XXXX XXXX for improper use of credit report and several accounts of RESPA violations. 

Selene Finance have violated plaintiffs privacy The law states The List of accounts above 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. 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 explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
unauthorized inquiries on consumer report as well as collections holding me back from my future

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 2023-04-10
Company: Block, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XXXX XXXX 2023, I used my account on XXXX to charge my wife a necklaces. I paid XXXX dollars extra to get order within 5 to 8 business days. When the 8 business day came, which was XXXX XXXX 2023, I contact company who I ordered from, ( XXXX ) spoke to the same lady XXXX different times before talking to manager to come to the conclusion I wasn't getting my order. I then knew it was time to reach out to XXXX, as I did. XXXX told me in my email they would contact me within 24 hours. They since then fail to do so. The payment for the order is coming up on XXXX XXXX 2023, they expect me to pay for something I don't have. XXXX also going to lower my credit limit and report bad to my credit if I don't pay the payment that is due XXXX XXXX 2023 for something I never got! I never been late on my payments and has build my credit with them. I don't want it damaged and I don't want retaliation against me because XXXX doesn't want to do they job, which is to Investigate they XXXX who they have a contract with for they customers to change off they XXXX account. Order number is XXXX, XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have submitted different disputes about this information and they keep rejecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 on my credit report XXXX fraudulent hard inquiries in my name from XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all 3 fraudulent accounts in the sum of {$4200.00} open XX/XX/XXXX. XXXX XXXX have 2 fraudulent accounts in the sum of {$1400.00} open XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX 1  fraudulent account in the sum of {$830.00} open XX/XX/XXXXXXXX XXXX  have 1 fraudulent account in the sum of {$300.00} open XX/XX/XXXX. I have written and called XXXX transunion, XXXX about thois manner

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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
1. My attachment will reflect my dates of inaccuracies 2. illegal showing of my Transaction history 3. Personal information shared without consent 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 Reporting of late payments or transaction history are illegal 15 U.S. Code 1681 ( A ) Your consumer report should not include transactions or experiences, my line of credit and payment history are a record of transactions which is a clear violation of 15 U.S.C 1681 ( A ) ( 2 ) i EXCLUSIONS.

( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report.

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 2023-05-18
Company: FinCo Services Inc DBA Current
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2023 current bank closed my account I have funds in my account I have been emailing them for a whole month now & no response about the funds in my account & when will I get a check for my funds? I know for a facts the refunds have been sent to that account and they will not & have not responded or reach back out to about my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2020-09-16
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had XXXX $ deposited into my XXXX acount onXX/XX/2020  from a state unemployement agency from my back pay. XXXX said i can not touch funds for 180 days. They have no customer service line because of the pandemic. The message center is all automated. I have sent messages asking for my funds to be refunded to the state agency and they have not done so and have not responded. I am about to be homeless and i dont knkw what to do. I need help. They have no customer service available because of pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2021-11-24
Company: EQUIFAX, INC.
State: GA
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 name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Contacting the Equifax XXXX  requesting a complete payment history with this account. Despite the multiple previous requests. Below are the accounts that are reported, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX - XXXX XXXX XXXXX Balance {$99.00} XXXX XXXX XXXXX Balance {$130000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was trying to contact Chime, as I bank with them, and needed some documents. So I XXXX 'chime support ' and called the first number that popped up. 

The number I called was XXXX, they answered XXXXChime support ', how can I help you. I explained what I was calling for, and they said, in order for us to help you, we need to verify your information. So I said sure no problem. Then they had me tell them my information, such as social, phone address, etc. Then they had me download a sharing app, and they said I had to do this for verification, so I kept proceeding. I downloaded the sharing app, and gave them the numbers, then they were able to see my phone. I seriously thought I was talking to Chime the whole time. Then they also had me 'transfer my funds to an e-mail. They kept saying i had to do this for verification. and they would send it back, as they have IT on the other line as well. They were very smooth, and just took my money and did not send it back. I was duped, and didn't know, 'till it was too late! They took all my money! 


So then, I went through the Chime app, and tried to dispute it, I explained through e-mails and phone calls to the bank, explaining what had happened. They keep denying my dispute and will not give me my money back. I have disputed it 4 times with Chime, or XXXX XXXX XXXX, and they keep denying me. 

I'm the victim here, I really thought I was talking to Chime, and was scammed, and now Chime won't help me with getting my money back! 

They are just as bad as the XXXX  who stole from me! 

The scam phone number was XXXX, the e-mail they had me transfer the money to is XXXX. 

I just want my money back that the XXXX stole from me, and Chime should be obligated to give it back! 

I have never sent money to this person before, they scammed me. 

I have already reported it to the XXXX  and the FBI.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I made a hotel reservation for XX/XX/23 and was charged by La XXXX XXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) using my XXXX  card ( transaction was authorized on XX/XX/23 for XXXX XXXX. When I arrived from XXXX  on XX/XX/23, I was told by XXXX XXXX ( who said she was the XXXX ) at XXXX XXXXXXXX that the reservation had not been paid for and there was no room available. I recorded our interaction on my phone. I immediately called my bank ( Wells Fargo ) and filed a dispute of the charges. Meanwhile, I booked a hotel room at a different location. I received a letter from Wells Fargo on XX/XX/23 that said the charges were valid and the temporary credit that had been granted would be reversed. I now owe Wells Fargo that amount although XXXX XXXXXXXX XXXX says that they never received a payment for the reservation. I am a XXXX XXXX  on a strict budget. I can not afford unnecessary expenses, nor can I afford to keep fighting with Wells Fargo or XXXX XXXXXXXX XXXX over who actually owes me this money. This has thrown my account in the negative. Please advise.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX is displaying zombie debt that is not mine. XXXX and XXXX have not provided information to go into arbitration for long standing account insurance company paid and closed.

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 2023-04-13
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Recently, I was sent over to Westlake portfolio from American car center. When they did this exchange nobody had registered my vehicle. I spoke to the DMV XXXX XXXX and was instructed to get my lease agreement from West Lake portfolio in order to register my vehicle when I called Westlake, they have no lease agreement on my vehicle. Instead, they send me an Fauls agreement with the wrong vehicle on it ive asked them several times to please come up with the right agreement in order to register my vehicle so I can drive it. Ive been getting run around for about two months. They still have not sent me the correct form. They are also charging me {$30000.00} for a XXXX  XXXX XXXX, but according to my bill of sale, the car is sold at {$21000.00} which was agreed-upon

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 2020-07-29
Company: CITIBANK, N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I completed a Sears Citi Shop Your Way credit card promotion where I had to spend {$50.00} within the first 30 days of account opening to receive a {$40.00} statement credit. They told me it takes four to eight weeks to receive the credit. Eight weeks have already elapsed as I completed the spending requirements on XX/XX/2020. I still have not received the {$40.00} statement credit. Customer service keeps giving me the runaround, stalling and trying to delay the payout to me.

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