BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-04
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/2014 XXXX I contacted the company in hopes to get this account removed which was not mines but they claimed it was verified but no actual proof of me signing any agreements

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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:
On XX/XX/2023 I asked 3 credit bureaus to verify my information and they did. I researched and found improper inaccuracies on my 3 credit reports after they completed their thorough research. The account name is XXXX XXXXXXXX account number is XXXX. 
In accordance with Fair Credit Reporting Act XXXX account number XXXX has violated my rights. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Here is a letter I am sending to Marcus : I am writing to complain about a serious customer service issue. My mother listed me as the beneficiary on her Marcus account. She passed away on XX/XX/2022. I sent you her death certificate before the end of XXXX, but I still do not have her funds. The death certificate was returned to me promptly after I sent it, but with no note or explanation. I have called numerous times to follow up, and each time I call I am told it is pending. Each person I speak to is very sorry for my loss, yet in this period of grief, I am having to deal with the nightmare of getting the funds. 

One time I was told the transfer was delayed, but they wouldnt say why. I was told it could possibly be due to any number of reasons, such as something about the name ( I changed my name after having gotten married this past XXXX ), or money had been moved after the date of death. More recently I was told on two separate occasions that the money would be transferred the next day, but it still has not been transferred. 

Each time I call, I am told I will get a return call no more than 24 hours. One time I was told I Id get a call in 2 hours, but I never get a call. This should not be so difficult, as I already have an account with you, so you just need to transfer the funds. Other financial institutions have settled their accounts with my mother over a month ago. If this can not be resolved quickly, I will submit my claim to the CFPB and your regulators, or I may have to file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: MD
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:
Experian responded to my complaint on XX/XX/22 stating there isn't an inquiry on my consumer report from XXXX XXXX XXXX. I have attached a letter from XXXX stating Experian provided them with a copy of my consumer report. 15 USC 1681 ( a ) ( 4 ) states I have a right to privacy. Experian violated this right when they provided my consumer report to XXXX XXXX XXXX without my authorization. Furthermore, I have a freeze on my consumer report which means you violated 15 USC 1681c-1 when you provided my consumer report to XXXX XXXX XXXX XXXX XXXX negligence has caused me severe damage. 15 USC 1681o makes you liable for damages caused by your negligence. I am requesting monetary relief in the amount of {$3000.00}. I will escalate this matter if you fail to resolve it within 15 days of receiving this notice.

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 2023-03-08
Company: EQUIFAX, 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:
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 an account without my written instructions. 

XXXX  XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX ( A.K.A. XXXX ) account # XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  XXXX XXXX XXXX account # XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Hello officer, I was charged by insurance company for Home owner insurance by accident for XXXX XXXX. 

I have filed the dispute with Bank of America. At the same time, I've solved the issue with XXXX Insurance company, which confirmed to refund the charge and sent the official Email. Unfortunately this case doesn't close even went through over two weeks after all evidencess. I feel upset that BOA didn't proceed any refund after I've reached out with BOA customer service. The amount is still in my account, which is impacting my credit history.

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 2023-05-06
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New American Funding Broker Solution Inc, XXXX, XXXX XXXX XXXX, XXXX Michigan XXXX. I have two properties on one lot a front house and a newly legally permitted XXXX XXXX but they have different addresses. Insurance companies if there are 2 homes on l lot and they have different addresses they must have 2 separate policies. New American Funding refuses to acknowledge or pay for my hazard insurance from my impounded mortgage account. Recently, after many months they did make onXXXX payment on the guest house.but did not pay the hazard insurance on the the Front house which has an estimated value of {$900000.00}. I have been making the hazard payment since XX/XX/XXXX on the front house because New American Funding have not been making the insurance payments although they impound the money from my mortgage to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair or remove these inaccurate items from my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 2023-11-15
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First of all, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. Despite my persistent efforts to resolve this matter, both with the creditors directly and through your bureau, I have encountered nothing but obstacles. The lack of information provided to verify these alleged debts is not only unacceptable but a blatant violation of my rights. In accordance with the Fair Credit Reporting Act ( FCRA ), I demand an urgent and thorough investigation into these discrepancies. Due to the absence of credible evidence to validate these debts, I insist on the immediate removal of the aforementioned accounts from my credit report. The dubious accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these fraudulent accounts from my credit ASAP.

Company response to consumer: In progress
Consumer complaint received 2023-02-17
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX XXXX  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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: CA
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 received my credit report from Experian, XXXX, and XXXX after being released from Federal Prison ( BOP ) on XX/XX/XXXX. 
I have been incarcerated since XX/XX/XXXX. I noticed XXXX accounts is on my credit report that is not mine. 
I am a victim of identity theft. 
I do not know who used my name and SS number while I was in prison. 
I called Experian and was told to file a police report with my local police station.

Company response to consumer: In progress
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am formally requesting the deletion and removal of the following accounts and associated information from my consumer report. The accounts and details listed below should not have been reported in the first place, constituting a clear violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I insist that these accounts and information be promptly deleted and removed from my consumer report to rectify the violation of these laws. Immediate action is necessary to comply with this request. Remove these accounts and information without delay!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Fay is claiming i pay my taxes and hazard on my own. Meaning no escrow. or escrow is not enough to cover. Yet, i have a substantial amount of money in escrow with them to pay all three of these accounts. It will now be three. 1. taxes 2. Wind/hurricane ( forced ) 3. Hazard ( x-wind ).

I have received two letters at this time stating that i am to be held accountable for paying 2 of the 3 above. I have never paid directly any of these. I have always ( 20 years same mortgage ) had it in escrow to be paid by the servicer.

As well, in their letter response to another complaint on this website, they include " $ XX/XX/2022 {$1500.00} Hazard Insurance-paid by XXXX '' ( past loan servicer ) They have the information on paying insurance # XXXX hazard =x wind. It is coming due and needs to be acknowledged in some way that they are to pay this. I have also asked my Insurance agent to get with Fay regarding this to no avail. 

On the other item, they addressed cost of Hurricane insurance, Forced place, I am fine with that amount. 

On XX/XX/XXXX time frame i uploaded to their portal confirmation of Hazard / amwin/xwind insurance coverage. They have yet to acknowledge this either in email or on their website where i make my monthly payments.

I want confirmation that they acknowledge there is an escrow account to pay all three items above , county taxes and 2 separate insurance policies. I have called the company twice. and I have uploaded the Hazard insurance declaration page to their portal. as well uploaded it here. with no acknowledgement of this being corrected. I keep getting letters stating i am to pay this. so no this company has not addressed all of my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-11
Company: SANTANDER HOLDINGS USA, INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have requested a copy of my auto loan note/agreement from Santander in excess of 5 times and they will not send it to me. I have also requested my formal auto loan statements for each month since originating my loan in 2013 and they have failed to provide them in violation of FDCPA and have failed to provide debt validation notices. Their accounting of my loan is illegal, they do not apply payments according to amortization on a fixed rate closed end term loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it XXXX concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX whose is reporting a collection amount of {$1400.00} balance. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of XXXX XXXX, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, Experian, and XXXX respectfully. Thank you in advance for your attention to this matter.

Company response to consumer: In progress
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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 XXXX XXXX inquiries on my credit report that i know i did not apply for, as well as XXXX collections account on my XXXX report! 

Hard Inquires on XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor is XXXX

Company response to consumer: In progress
Consumer complaint received 2023-09-22
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I was trying to issue a refund for {$6.00} on a transaction completed on PayPal business. Payals system gave me an error saying it didnt go through and to try again. I did this a few times with the same error ( I captured image of this once ). Follow up realize that afternoon PayPal has now taken {$6.00} out of my account 4 times! Throughout this it never said it was happening and yet it did it four times.

I reached out to PayPal who tell me it is my fault. I am not technologically challenged. I followed the messages at told me to by PayPal try again. So now PayPal has unauthorized quite frankly all of the 4 refunds seeing as I never got to a confirmed state in completing them. PayPal has refused any help and a token {$10.00} credit. This is not my fault and i am offended they keep putting this on to me. They are unwilling to accept their technology flaws and many consumers would stop there. But the principle of the issue is a concern for me. What happens to other consumers who dont know how to argue with them. They need to accept they are half a technology company and technology errors on their part are not the consumers fault. 

I want them to see these issues. I want them to give me back the Money they have taken from my account ( now {$24.00} ). I want them to be accountable to looking into their technology error messages and what it does to the consumer. This is not acceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-06
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am writing to file a formal complaint against Heartland ESCI for their horrendous loan servicing practices. Despite my loan being three years past due, Heartland ESCI failed to make any attempts to contact me or send me an invoice until this point. I was shocked to receive such an overdue notice, having never received any communication from Heartland ESCI about the loan. 

Since then, I have made numerous attempts to rectify the situation with the XXXX XXXX XXXX  and Heartland ESCI. While Heartland ESCI has put the loan in forbearance, they are still claiming that I owe the past due fees. I strongly disagree with this claim, as under the circumstances surrounding the COVID-19 pandemic, the loan should never have gone into repayment to begin with. 

I find it unacceptable that Heartland ESCI has taken such a negligent approach to servicing my loan. Not only has their failure to communicate with me put me in a difficult financial situation, but their insistence on charging me past due fees for a loan that was not supposed to be in repayment has only exacerbated the problem. 

I am filing this complaint with the consumer protection board in the hope that they will investigate this matter and take appropriate action to ensure that Heartland ESCI is held accountable for their actions. I urge the board to thoroughly investigate this matter and to take any necessary steps to protect consumers from similar practices in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: NY
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:
Unauthorized accounts on my report that were not verified properly.

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 2023-09-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX of last year, I received a sales commission from XXXX XXXX. This commission was earned by successfully promoting the XXXX XXXX brand rights to a local butcher shop, resulting in a transaction worth {$60000.00}. My commission was 10 % of this amount. I have already paid the relevant personal taxes on this income after receiving the 1099, and I have obtained documentation from XXXX XXXX as proof of this payment. 

In XXXX of last year, I received a letter from Chase stating their intention to close all of my accounts, without providing any reasons. This year, I opened a Chase XXXX XXXX XXXX credit card for my personal business endeavors. However, it was also closed three months later. I sincerely request your consideration of my reinstatement application. I appreciate your time and understanding and am thankful for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I purchased shoes on the XXXX XXXX   through PayPal using my debit ( used as credit ) card One transaction was XXXX and one was XXXX. 

I advised that these were fraudulent charges from a scam account. This account had scammed several others besides myself. PayPal denied it. Saying it was usual. 

. Not from the individual I bought from this time 2. PayPal has buyer rights yet denied mine 3. XXXX labels have been proven fake by a XXXX employee 4. The person I paid us gone cant contact

Company response to consumer: Closed with explanation