BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-21
Company: Santander Consumer USA Holdings 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: Account status incorrect

Complaint:
Since XX/XX/2021 I have submitted over 3 disputes with XXXXXXXX & Santander Consumer, USA for an account that has been reporting on my credit after it was included in a settlement for Predatory Practices. On each dispute, I provided supporting documentation and they still refuse to remove it and only stamp it correct/verified by only updating the status, in any of these disputes I never received not on correspondence from the companies listed in this complaint. Per the FCR/FDCPA a notice of dispute is to be placed on any account disputed within 31 days XXXX & Santander Consumer , USA violated these Federal Laws. Not only are they failing to respond to my dispute, but they have also failed to record this account as being disputed and it has been over 60 days. That in itself is grounds for removal but I also have included all of the documentation showing this specific account met all requirements as a result of the settlement reached due to Santander 's negligence in practicing. I am requesting the immediate removal of this account due to the violations stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I started good With Capital one but XXXX car rental keep charging me unexpected over the balance of My Credit limit which causes My account to close messed up my Credit Score which i think thats really unfair i want to file a dispute of this hard inquiry thats Been address to my Credit report unfair thanks for understanding may god bless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15
Company: CITIBANK, N.A.
State: FL
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:
On XX/XX/XXXX, Citibank closed my XXXX XXXX XXXX XXXX XXXX Mastercard account. 

On XX/XX/XXXX, Citibank closed my XXXX XXXX XXXX XXXX XXXX Mastercard account. 

On XX/XX/XXXX, Citibank closed my Citibank XXXX XXXX Visa. 

When calling Citibank customer service, no one could give me any information over the phone and I was instructed to write a letter to Citibank to obtain the reason why they closed my accounts. In addition, I received letters from Citibank stating that I may request a statement for specific reasons for the action taken to close my accounts in writing. Per the letters, upon receipt of my request Citibank stated that they would send me information in writing within 30 days. 

On XXXX, XXXX, I separately sent letters XXXX letters to Citibank requesting information about the XXXX   accounts and on XX/XX/XXXX, I sent a letter requesting information about the XXXX XXXX Visa account. 

After 30 days, I never received a response. 

On XX/XX/XXXX, I send a letter via certified mail requesting this information again and I still have not received any information. Per the U.S. postal tracking system, Citibank received the letters on XX/XX/XXXX. 

My credit score is exceptional and I was never was late or missed any payments. 

Additionally, based on my discussion with Citibank customer service agent, by Citibank closing my account with no logical explanation and without any notice, my XXXX cash rewards funds were forfeited by their unilateral actions. I consider this action to be both unethical and without merit. I have demanded that my XXXX cash rewards amounts in excess of {$1600.00} be remitted to me immediately. I have been using the XXXX card for many years and have never been late on any payment and have paid my balance in full every month. My card and the card in my wifes name was being used for substantially all of our purchases on a daily basis and we use this card almost exclusively to earn this cash rewards rebate..

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 2020-06-15
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received no less than 8 phone calls just over the weekend from this company. I work nights and sleep days. I missed 1 credit card payment ( which I will now no longer pay off, due to the harassment ) and I have received HUNDREDS of calls from Synchrony, which is beyond harassment, and many of those calls fall during no-call hours, such as Sunday morning.

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 2022-07-21
Company: Colony Brands, 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: Information belongs to someone else

Complaint:
Hello, I received an email from XXXX that inquiries were made on my credit to Ginny 's, Seventh Avenue, XXXX, and Montgomery Ward. I did not try to open any of these accounts. I also received a message that a XXXX card was opened in my account. I contacted XXXX and they were able to close that account. They notified me that the person that opened a card on my account lives at XXXX XXXX XXXX XXXXXXXX XXXX and their phone number is XXXX. There are multiple accounts that someone has tried to open on my account. I also received notification that there are two phones purchased and two phone lines opened in my name under my XXXX account and I do not have these phone lines or these phones. These were opened in fraud and I spoke to someone regarding this at XXXX and nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Telsa Motors Inc
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
XXXX does not allow XXXX to connect the account to make electronic payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: EQUIFAX, INC.
State: AL
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 recently applied for a townhouse and I didn't get approved. I couldn't understand why until I checked my credit report. I have several items on my credit report that are not mine. I don't understand what's going on but these items are not mine, I didn't approve any of these items and they all need to be deleted from my credit report. I've contacted the FTC and the police. I'm doing this on my own behalf. 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. ( Inquiries ) : XXXX, XXXX, XXXX XXXX I, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bankmof america is asking for fingerprints to do business with the bank, this is not even required by law

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 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$3200.00}

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 2023-10-09
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Didn't provide services promised

Complaint:
Lexington Law Firm signed me up for their Lex on Track service at {$29.00} per month, to " repair '' one bureau at a time on a rotating schedule. 

No results were seen in the first 90 days of their service. 

However, on my own, through my own personal time and expense, contacting the credit bureaus directly on my own, I was able to achieve some items being removed from my credit report. 

Lexington Law tried to claim this as part of their success with their program, even though they did not deal with all three bureaus and could not have achieved this without all of the documentation I had available. 

I then " upgraded '' to the XXXX XXXX product from Lexington, since it dealt with all three credit bureaus. Once again, Lexington Law took credit for my previous works and kept sending emails and correspondence regarding their billing, but not about my actual case. 

I reached out multiple times to ask what Lexington actually did, and they just directed me to their " dashboard '' which just said that they sent letters and were awaiting responses. None of those responses were reported to me or received by me.

Lexington is trying to " Collect '' now for the fees for " past work '' done ... which they have yet to prove they've done. 

They have now " Closed '' my account, stating that they completed their work and are requesting more money for " past work '' they have yet to prove they've done. 

They did not deliver anything on their end. Any changes to my credit reports came from my own activities, calls, letters and correspondence sent to the credit bureaus and my former creditors, directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: TX
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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was very upset when checked credit report and found out a few negative accounts. They are fraud and I never opened them before. Please see accounts belong and remove them as soon as you can. 

XXXX XXXX opened XX/XX/XXXX acc # XXXX XXXX XXXX opened XX/XX/XXXX Acc # XXXX XXXX opened XX/XX/XXXX Acc # XXXX I attached all documents what you need included Identity Theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Comerica
State: GA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I reported unauthorized transactions on my debit card beginning XXXX XXXX for {$150.00} to XXXX XXXX XXXX. There were several charges from XXXX and XXXX, a XXXX XXXXXXXX card payment actually a few of them. The only card I have is my direct express for my XXXX benefits,73 charges from XXXX taken out of my account. A total of {$2000.00} was taken over a 6 month period of time while I was in XXXX. Direct Express said they would go back to XXXX and replace that but no further but that's not what they said the second letter I received from them. They said the charges in question they determined were not unauthorized, therefore no error occurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-02
Company: WELLS FARGO & COMPANY
State: MO
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 used my XXXX XXXX XXXX to replaced my old XXXX XXXX XXXX XXXX. XXXX sent me a new XXXX XXXX XXXX  XXXX by holding {$1000.00} until they received old broken XXXX XXXX XXXX  XXXX in last week of XX/XX/2023. XXXX acknowledged via email on XXXX XXXX that they received old XXXX XXXX XXXX  XXXX. 

I waited around two months apple to release {$1000.00} hold money. Since I didn't get the hold money, I contacted XXXX customer service. Since there are so many division within XXXX, customer services keep transfer me to different division of XXXX but non of them able to refund the money. After I tried to called XXXX multiple times, I decided to contact my bank ( wells Fargo ) to report an authorized purchase. Well Fargo initially return the money, but reverse their decision first on ground of no proof of the purchase product returned. Once I gave them proof of return the product, they denied again with ground of outside 120 days wells Fargo to initiate dispute with seller. When I told the wells Fargo escalating team customer service member that, I filled on time the claim and it is wells Fargo responsibility to dispute with the seller within legally allowed time frame, the supervisor hung up the call on 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 explanation
Consumer complaint received 2021-10-19
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX transferred {$43000.00} to Chase Bank in Florida out of our account.. We were purchasing a XXXX XXXX XXXX XXXX XXXX XXXX. The motorhome did not arrive a scheduled. Called the XXXX XXXX XXXX XXXXXXXX on the the XXXX of XXXX to let them know. They contacted Chase Bank and they put a hold on the money. After several weeks of back and forth with our bank and XXXX they were not given much information at all. This has been going on for months. XXXX XXXX does not communicate with the Freud department at our bank at all. We found out 3 months ago that XXXX XXXX  had now moved it to asset recovery. XXXX XXXX XXXX XXXX is unable to talk to anyone in that department to see what the hold up is. They have emailed consistently but do not get a response back that way either. The deputy that took our report has called and talk to the bank as well to let them know he has an open case on this. We still do not have or money back. Can you help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: GA
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:
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 XXXXXXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This collection was disputed and removed then placed back on my account. This collection was removed because i did not owe XXXX this debt and they couldn't provide the information to placed this alleged debt on me. This collection must be removed from my credit report immediately for it is in violation. I also provided the letter saying that they will removed the collection.

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 2020-09-25
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
my account was hacked and money was wire transferred out ( {$5000.00} ) this happened on XXXX.The bank said I helped the scammers. I thought I was helping the bank unfreeze my account. During the back and fourth with the scammers I became suspicious and tried to contact the local office of the bank, all I could get was a recording saying they were busy helping other customers and i should call back later.I was left high and dry by the bank and now they are saying it was my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was A customer of Bank of America through XXXX to XXXX I had been double dipped Several times for {$35.00} fees and I had to pay it now I found out it was illegal and XXXX XXXX double dipped and said they can do it several times for 1 item!

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 2023-07-16
Company: LEXISNEXIS
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
This is regarding inaccurate information on the XXXX Report for auto insurance reports. Im account holder, but incident report is under my wife XXXX, but incident happened with our daughter XXXX. However the issue isnt the name its under but inaccuracy of report! Report is for XX/XX/XXXX and has us At Fault for nearly {$6400.00}. The truth is, it is a XX/XX/XXXX and only for {$2100.00}. It is impossible for me to talk to someone at CLUE. I want this fixed ASAP on the report. And truthfully, they should reimburse me any fees this inaccuracy cost me regarding yearly rates for 3 years! See below XXXX XXXX, I do not have access to review the XXXX report, but I can confirm that the only amount paid for this claim is {$2100.00} for your vehicle repairs. 
You may provide this email as proof to your new insurance carrier that this is the only amount paid for this claim. 
I am copying your agent and detailed response has been provided below. 

From : XXXX, XXXX Sent : Wednesday, XX/XX/XXXX XXXX PM To : XXXX Subject : XXXX Good Afternoon, The assigned adjuster is out of the office. 
I have reviewed the claim and here is the information : Date of loss XX/XX/XXXX Driver XXXX XXXX driving XXXX XXXX XXXX loss occurred in parking lot area, backing and hit other vehicle also backing. We confirmed with both drivers that they did not see each other prior to the impact. Liability was finalized XX/XX/XXXX for each party. 
Appears adjuster spoke with XXXX XXXX to advise the same XX/XX/XXXX We denied the claim for the other persons damages. 
Payment for insured vehicle repairs $ XXXX {$500.00} = {$2100.00} paid to XXXX XXXX XXXX body and XXXX XXXX XXXX 
The claim is now closed. 



XXXX XXXX Claims XXXX XXXX Complex Senior Representative P : XXXX www.grangeinsurance.com

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: AMERICAN HONDA FINANCE CORP
State: FL
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:
After checking my credit reports I am writing a second time to inform these companies that they are unlawfully reporting unauthorized inquiries on my consumer report. I have not given you permission to access my credit profile. I also do not have any knowledge of these inquiries that have been unlawfully reported, no accounts or contracts are shown for these inquires as well. I have not initiated any transaction with the following accounts : XXXX XXXX ( Finance ) which have been reported twice without my consent. 
XX/XX/XXXXXXXX XXXX, AMERICAN HONDA FINAN, XXXX XXXX Furthermore, I do not have an account as defined. 
under 15 U.S.C. 1693a ( 2 ) with these company 's name for review or collection.

Company response to consumer: Closed with explanation