BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-21
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in XXXX I took a Commercial Loan from Santander Bank for {$35.00} K. In order to receive the proceeds I had to sign an overdraft agreement. I was never told there would be 'fees ' involved that was associated with this. The commercial loan has been totally paid off. However, I kept getting statements not knowing what they were for. Never got a response from Santander after numerous requests. At no time did I ever go beyond the original XXXX XXXX  amount, so there was no need for an overdraft. I've contacted them on numerous occasions ( see attached with dates and the account numbers ). I've indicated to them this is in dispute. Also note... .they were sued by the CFPB for XXXX XXXX  in XXXX for the same reason.

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 2023-05-27
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt has shown up on my credit report under Jefferson capital payment systems.. 

I have no clue what this is and when I reach out to the company They state it is being serviced by someone else.. 

I want this removed from my credit reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: NV
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on the EQUIFAX response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : 1. XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; 2. XXXX XXXX Date XX/XX/XXXX. XXXX, XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: LEXISNEXIS
State: IL
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 trying to resolve this issue by allowing LEXIS NEXIS to reinvestigate this issue with this Bankruptcy that they are reporting on my consumer report without my consent. they have repeatedly told me that this information has been verified through ( XXXX  ) XXXX XXXX XXXX of the United States Federal Courts. LEXIS NEXIS has been furnishing personal information that is damaging my credit report and violating my privacy. XXXX  nor do the Bankruptcy Court House verifies or validate such information to LEXIS NEXIS or any credit bureaus. so this is a violation and this bankruptcy needs to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: FL
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 feel personally targeted by Experian when it comes to my credit reporting. Over the years Experian have constantly report my account incorrectly and often time randomly drops my score for no logical reason. Hence why my score with Experian is the lowest out of all the 3 credit bureaus. Recently, on XX/XX/XXXX Experian dropped my score by -15 points after I reported my new address. There was nothing else going on with my report that would have triggered such a negative score drop. Also, Experian refuse to update the balance on my XXXXXXXX XXXX XXXX after I paid it off. The statement on this card closed since XX/XX/XXXX, XXXX sent the updated balance to all 3 bureaus and balance was properly updated on XXXX and XXXX within 3 days- Today XX/XX/XXXX still no update from Experian. In prior months, Experian would update this card 's balance within 3 days, ironically now that it's paid off, Experian refuse to update the information sent to them, why??? I'm tired of disputing items, just report things correctly and stop dropping my score whenever you feel like it.

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 2018-06-20
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX sent me a recommendation for a debt consolidation loan from One Main. Since I trusted XXXX XXXX to be legitimate, I expected One Main to be legitimate also. I went to their office where they told me they were charging me 30 % interest. I agreed to that and received my loan. After about 8 months I looked at one of the receipts and noticed how small the principal payment was compared to the payment I was sending each month and decided to calculate the real interest rate they were charging me was 75 %. I contacted the company and spoke to a few people one of which laughed after I told him I know how the financial world works. 
I thought it might be a good idea for me to talk to a debt settlement company regarding the account so I contacted XXXX XXXX who told me they could help me. I worked with them until I found out they were going to charge me 35 % to save me 15 %. I stopped working with them and am now having to deal with One Main damaging my credit by showing the account in collections. 
Im not sure how much they overcharged me before I caught on to what they were doing, but I want this account to be shown as satisfactory or worked out quickly to settle it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: TX
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 obtained my most recent report I noticed that some things aren't complete and accurate on my credit report.I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A few days ago received a response from some not all credit bureaus telling me that the information was verified. But how? Please tell me how. And find out what was actually done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: NC
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 disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XX/XX/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 2023-05-27
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The bankorp Chime let and unauthorized transaction go through even after I report it to be a fraudulent transaction. I disputed the charges and the denied it. The transactions started at XXXX XXXX  al the way to XXXXtotal amount of XXXX dollars got taken away from my account. I filed a police report and reopened the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$600.00} XX/XX/2016

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 2021-06-01
Company: Coinbase, Inc.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2021, I attempted to load my account with XXXXUSD from my bank account. I was given the funds but was later told through email that my withdrawal from the bank failed and I had 5 days to pay. Well on XX/XX/2021 the funds were recovered from my account but they took far more than what I owed. I made a complaint I was receiving responses then its just been silence for the last week. I received an email stating that XXXX Cardano had been recovered for my debt. However when I checked my coinbase pro account I had 9 withdrawals from XXXX am XX/XX/XXXX. Four transactions were from my cardano for XXXX each. Another from Cardano at XXXX totaling over XXXX Cardano. There were four more transactions from my etherium. Two were for XXXX and another two for XXXX totaling XXXX ETH. My account has security which requires a verification number being sent to my phone in order to make withrdrawals. The email confirmation they sent matches the time exactly of the withdrawals. I only want whats mine and what i payed for with my own money. I understand that I had a debt that needed to be collected however far too much was taken from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted the credit bureau to notify them of 2 fraud accounts reporting on my credit report, sent them proof of identity, and ftc report. they continue to report false information on my credit file. They also gave access to my credit report to the following companies below without my consent : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  on XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX on XXXXXXXX XXXX XXXX on XXXXXXXX XXXX XXXX on XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I can not make transfers from my HSBC checking account to my accounts in other banks. 

I called HSBC customer services XXXX  times : 1. XXXX  time, XX/XX/XXXX in the morning. After some verification the customer service representative told me that it was resolved and would be working 20-30 minutes after the call. 
2. However, later XX/XX/XXXX in the afternoon I tried again and it still couldnt work. I called customer service again, which transferred me XXXX  to a different department, and after a call for more than an hour ( and multiple times telling me wrong information that it already works ), they told me to call another department on XX/XX/XXXX within XXXX XXXX. 
3. XX/XX/XXXX XXXX XXXX  I called the new number as instructed, they told me that they have no access to my account at all and said the number is again wrong. They asked me to call customer service department ( the department I called from the beginning ) on the next business day. 

The whole process makes it very obvious that HSBC either is not capable at all to provide normal checking account services, or keeps lying and kicking customers without actually trying to resolve the problem. Right now I have no control of my checking account and the only thing I got was being transferred back and forth between departments that claim they do not have access to help make my checking account working.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: Experian Information Solutions Inc.
State: LA
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: Was not notified of investigation status or results

Complaint:
XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX XXXX & Experian. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.

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 2023-09-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my report I noticed a credit card by the name of XXXX XXXX  with an open balance of $ XXXX reached out to the company and spoke to a rep.I stated to the rep about my finding of this unauthorized and fraudulent account. The rep stated to me the company can not do anything until a report has been submitted. The account below is the fraudulent account also an FTC report has been attached to this complaint. 

XXXX Bank XXXX account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an INVESTIGATION of this account, and they treated it as a DISPUTE. I never gave written consent for this account to be furnished on my credit report. Therefore my rights have been violated. They closed the INVESTIGATION with the excuse that the creditor verified the info was right, but how could it be right if I never gave written consent for this account to be furnished? Also I dont believe their INVESTIGATION was done right, as they were calling it a dispute, Im not disputing the information Im telling you that the information should not be furnished because I did not give consent. 


In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: LendingPoint Holdings LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan several weeks ago. I have never received any loan paperwork, so I assume they denied it. But I also have not received a letter explaining the denial. So I need either loan or the reason they denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: WELLS FARGO & COMPANY
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:
Wells Fargo is reporting a charged off account to my consumer report. A 1099c has been issued and the account is canceled debt. The account is gross income and Income can not be reported to a consumer report per federal law. Wells Fargo is furnishing inaccurate and incorrect information to consumer reporting agencies. The reporting of such information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. Also, there is no permissible purpose. I have not given verbal or written consent to any consumer reporting agencies to report on my consumer report. Delete this account from my consumer report immediately.

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 2023-05-27
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX & XX/XX/XXXX is when i made complaints about JEFFERSON CAPITALIST. I have 0 knowledge of that account & been harrassed repeatedly through mail via phone calls. Total amount it says is {$4100.00} & IT IS THEIRS. I would like this off my credit history completely due to them violating rights & codes. Its been there 8-9 years & its affecting me bad. Including the 2 hard inquiries from XXXX XXXX. I also have 0 knowledge of trying to open either account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: NAVY FEDERAL CREDIT UNION
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:
Navy Federal Credit Union had 4 inquiries on my credit report the inquiries were excessive because they were under 30 days from each. I also have an account with Navy Federal and they have the ability to pull my Fico Score each month for free without causing a hard inquiry on my credit report. I requested a loan and they pulled my credit report twice with in two days of each ... Once they pull my credit report once ... that file last for 30 days.They kept telling me that I had a security freeze on my account, well I lifted the security freeze, they went and did multiple pulls. within days which is unnecessary.

Navy Federal Inquiries XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
After contact the credit bureau to get my credit report updated on XXXX XXXX XXXX XXXX, the credit bureau said everything is being reported correct. 
I filed with XXXX XXXX XXXX XXXX that responded the credit bureau is refusing to updated the information sent every month because of not accepting my name ( legal discriminations on by view ), in attach is the XXXX XXXX XXXX response where is wirten the credit bureau are solo responsible for not having my credit updated correctly. 
What intrigues me is that my name is accepted for hard inquiry but not for the monthly payment report, again I feel like discrimination.

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 2020-06-14
Company: SECURITY FINANCE CORP
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not have an account with these people and having them calling me 7 times in a row tying up my phone is ridiculous business practice. I DO NOT KNOW WHO THIS COMPANY IS AND WANT IT TO STOP.

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