BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

SANTANDER XXXX XX/XX/2018 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX XXXX  CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX COMPTROLLER OF CURRENCY XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Self Financial Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I made a payment in XXXX towards XXXX XXXX bill. Im unsure if they didnt receive the payment but it states in XXXX I had a late payment which is incorrect this was the only late payment I account. I always pay all my bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Tried making a payment to my credit card and the payment returned due to financial institution information being entered incorrect. In the result of my account being 60 days pass due Wells Fargo Closed my account. As of XX/XX/2018. spoke with a representative that same month around. XX/XX/2018 in the executive office confirmed account was closed and my collteral would be relsease from the clos our date of. XX/XX/XXXX. Wells Fargo opened my card in XXXX I was not notified and incurred fees on the account. card reckoned again in a XXXX and now Wells Fargo is stating I owe a XXXX balance but reported to my report different amounts and is not trying to resolve my issue.

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 2022-12-28
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is claiming I owe them a debt. They have not verified the amount which is incorrect, have re-aged the date ( claiming the " delinquency '' is newer than it really is ). Falsely reported it to the credit bureaus, even though another company they contracted with stated they would not be reporting it, and did not notify me they were attempting to collect on a time-barred account, as per XXXX XXXXXXXX XXXX. They also have not provided any documentation that would prove they have a legal ownership of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2021-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
i moved my primary account to another institution because Bank of America violated my privacy when they sent all customers banking info so fed could use to track XX/XX/XXXX rioters I'm XXXX never left XXXX XXXX they didn't ask permission to send my account info and was never requested by federal government only BOA did this. in mid XXXX i noticed my account was in negative sent checks from check bill pay new bank on XX/XX/1919, XXXX and XXXX on XXXX and XXXX sent 2 checks each day, on XX/XX/XXXX Monday called boa customer service said they had never received deposits any of them about 2 weeks after first 2 checks sent, customer service said checks never sent or lost told i would talk to new bill pay and pay another way. mysteriously all checks were found 2 days after complaint and after i cancelled payment cause they told me was lost. o9on first funds were reversed to my new credit union, on fifth bank charged me for all 4 that had been reversed as one lump refusing to show me details of transactions they told me were lost they didn't have. then on fifth all new charges all over again i canceled again said couldn't help talk to local bank made appointment first day could the ninth today. when i got there said could do nothing i reminded her her mask for covid was not covering nose she then gave me cards back and kicked me out of bank she doesnt have to follow covid rules i do and she threatens me with security and i left no argument said i would call boa headquarters and there customer service rep hung up on me so cant even talk on phone i have no recourse

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
To whom it may concern My Name is XXXX XXXX XXXX XXXX XXXX, my wife and I have been a customer of US Bank for approx. 42 years. In XX/XX/2021. I had applied for a car loan at my local US Bank on XXXX XXXX. When I went in to sign the documents for the loan I was made aware of two facts that concerned me : 1. XXXX XXXX XXXX XXXXXXXX XXXX had taken it upon herself to use my application information to log into my XXXX XXXX account where I had my new car loan to review my personal/Bank information. Her actions violate the Fair Credit Act since she previously ran my credit and now was also using this tactic to research my personal information with XXXX XXXX for approval of this loan. 


2. In addition to this XXXX XXXX demanded that I allow the loan to be paid monthly via direct deposit. I had a problem with this as well since my wife and I were customers of US Bank for approx 42 years and NEVER paid a loan late. When I explained this to her she informed me that my previous loan history with US Bank " didn't matter '' and that this was the only option I had. I told her that I was going to cancel this loan and leave. I asked her to destroy all the paperwork so I can leave. She refused and I left without taking the check. 

I didn't think much of this until I recently received 3 notices 1. dated XXXX -- - 2. dated XXXX both stating that if I didn't send them the Title to my vehicle I would be in default and that they will be forced to put a lien on me. 3 Notice dated XXXX Closing all my accounts I called the Branch Manager with this concerns, but all she ( XXXX XXXX - XXXX ) wanted to do was discuss the fact that occurred back in XX/XX/2021 with my loan. She refused to address my concerns with my notices. I called the US Bank XXXX number and spoke to XXXX but she refused to give me any written information that would assure me that it was taken care of. 

Today, I received a Certified letter from XXXX XXXX at the XXXX XXXX telling me that she had closed all my accounts including the checking account that we have had for over 40 years Account # XXXX. 

I believe that the methods used by US Bank not only are illegal and unethical but violate the fair credit acts and are discriminative Title VII. I need your help in resolving all this issues. For this reason I authorize you to speak to anyone at US Bank on my behalf. If you need copies of all the information that I have from US Bank let me know. 

Vehicle Account # XXXX VIN XXXX Checking Account # XXXX Title Service Department US Bank XXXX XXXX XXXX XXXX email XXXX Thank you in advance

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 2022-12-28
Company: Genesis FS Card Services, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I've had a milestone credit card which I've paid in full. I have reached out to milestone on numerous occassions in regards to the inaccuracies of this account. From which they informed me that it would be taken care of and I should see it updated on my credit report the next time they submit it to the credit reporting agencies and this was in XXXX and still nothing has changed. I have been denied credit due to this harm, because they didnt do what they promised to do. I have the updated bill stating my balance is XXXX. I'm beginning to lose faith in the banking system completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-04-22
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:
transunion credit reporting has violated my privacy rights 15 U.S.C 1681 section 602a states that i have the right to privacy U.S.C. 1681 section604a scetion 2 states that a consumer reporting agency can not furnish an account or my personal information without my written or verbal consent i did not give transunion nor the following companies consent to furnish information, after multiple attempts transunion ignores my request for debt validation so i can follow up with compaines. these are not my accounts and need to be removed asap 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX inquiries_ 1 ) XXXX XXXX 2 ) dept of education 3 ) XXXX  4 ) XXXX XXXX  XXXX  ) XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX  8 ) XXXX 9 ) XXXX 10 ) XXXX  11 ) XXXX 12 ) XXXX 13 ) XXXX 14 ) XXXX 15 ) XXXX 16 ) XXXXXXXX XXXX XXXX 17 ) XXXX XXXX 18 ) XXXX XXXX 19 ) 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 2023-05-31
Company: EQUIFAX, INC.
State: LA
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:
See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after XXXX written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the XXXX XXXX Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: CONGRESS COLLECTION CORP
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I reviewed my credit report and have discovered inaccurate personal information and several errors that must be immediately investigated., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX ( # XXXX, XXXX, XXXX XXXX XXXX ( # XXXX ), XXXX  XXXX  ( XXXX ), XXXX  XXXX  XXXX  ( # XXXX ), CONGRESS COLLECTION ( # XXXX ) to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me, but anything more than to XXXX XXXX ( # XXXX, XXXX, XXXX XXXX XXXX ( # XXXX ), XXXX  XXXX  ( XXXX ), XXXX XXXX XXXX ( # XXXX ), CONGRESS COLLECTION ( # XXXX ) is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt, and HIPPA authorization. I have asked for 1.Please provide breakdown of fees including any collection costs and medical charges, 2. Provide a copy of my signature with the provider of service to release.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Purchased item from XXXX for {$160.00} Item was returned, received email confirmation that return was received XX/XX/22 and full refund was to be processed. Never received refund. 
Filed billing dispute with bank of america, bank of america requested documentation, Faxed email receipt stating return was received and refund was due. Received letter stating " unable to determine that a billing error occurred '' and closed dispute. The documentation provided clearly shows I am due a refund and I have not received one. Under the visa card member agreement Bank of America is obligated to provide a refund and charge back the merchant as I have provided all required documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ok so I opened an account at truist-during a time where i was going thru some crypto scam and my account at XXXX XXXX XXXXXXXX had been compromised. Plus credit cards were being opened in my name by " someone ''. anyway i opened an account online w Truist and deposited {$10.00} then " someone '' deposited checks x 3 totaling around {$5500.00} and now I am responsible. I dont understand if these checks were cashed why were they when only {$10.00} in account? why were they cashed? I did not deposit these checks nor do i know who did but now I am somehow responsible for {$5500.00}. I just sent in a payment plan -- -bc basically i dont want it to go against my credit -- I value that too much and also its embarassing. I did file complaint w fraud but account was dismissed quickly -- at time i was going thru so much w XXXX  that i was exhausted w it all. Please advise. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern. 

On XXXX XXXX, I sold my vehicle to a company called XXXX. The car that was sold was a XXXX XXXX XXXX XXXX which was financed through XXXX XXXX. After the selling of my vehicle, I noticed that my loan was still showing active with XXXX XXXX. This was a huge red flag. I looked at my other car loan company ( Capital One ) and saw that my XXXX XXXX XXXX was showing paid off. So, XXXX mistakenly paid off the wrong vehicle. After going through months and months and multiple phone calls and emails I was able to correct the issue and reinstate my loan with Capital One. Very frustrating process, but I was able to pay off XXXX XXXX Capital One reinstated my loan stating that I was 90 days past due. This dropped my credit score roughly XXXX Points nearly ruining my credit score. I have sent Capital One a Credit Bureau dispute form per their request to fix, but I am uncertain if they will really help given the issues I have had with them. 

My father reached out to me and gave me this web site as a POC to help me with this credit dispute. Please help any way you can please! 

Thank you in advance! 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is a complaint against Experian Credit reporting agency. Upon numerous calls and bounced back from XXXX agent to another, I finally got a rep named XXXX XXXX talk to me and she informed that she is working from home and really does not have all the tools. She had someone crying at the background and she put me on hold for a long time then told me that she can not do anything about this Collection agency, they purchased a 13 YEAR OLD ACCOUNT AND TRYING TO MAKE SOME MONEY ON IT. MS XXXX SAID THAT IS FINE, THEY ARE JUST DIRECTED TO DO WHATEVER THE CREDITOR /COLLECTION AGENCY TELLS THEM TO DO. 

THIS IS A FRAUD AND A SCAM TO COLLECT ON AN ACCOUNT WHICH IS ALREADY SETTLED 13 YEARS AGO, AND THEY ARE WANTING TO REOPEN AND MAKE SOME MONEY ON THIS OLD ACCOUNT

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 2023-05-10
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Customer Support, I am writing to submit a complaint regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation was placed in error and that I have not violated any of PayPal 's policies. 

I am a responsible PayPal user who has been using the platform for several years now. I have always been in compliance with PayPal 's policies and have never engaged in any fraudulent or illegal activities on the platform. I was surprised and dismayed when I received notification that my account had been permanently limited. 

I would like to respectfully request that PayPal re-investigates my case and takes appropriate action to restore my account if possible. I understand that PayPal takes its policies very seriously and I am confident that upon re-investigation, the company will find that I have not violated any of its policies. 

I kindly ask that PayPal provide me with a clear explanation of the reason ( s ) for the permanent limitation placed on my account. Additionally, I request that PayPal provide me with a timeline for when I can expect a resolution to this matter. 

I appreciate your time and attention to this matter and I look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation