BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: Eastern Account Systems of Connecticut, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I called XXXX to cancel an old XXXX account that was put into my name by my landlord and in return set up a new account completely run by me. XXXX said they could cancel my account and that I wouldnt owe anything on it after XX/XX/XXXX. I had no issues until XXXX of XXXX when I got an email about overdue payments. I called XXXX and they hadnt cancelled my old account upon request and were still charging me but I had received no bills about this for those XXXX XXXX. After talking with multiple people on multiple attempts, I was able to speak with a supervisor that told me he would cancel the accounts and amounts owed with no problems. I hadnt heard anything or had an issues until I received a debt collection letter on XX/XX/XXXX. the letter stated that I hadnt contacted them regarding a previous letter ( a letter that I never received ) and that now it would be effect on my credit report and that I owed XXXX money. I called XXXX to dispute it but XXXX states that there is no record of any of this and that the amount stands. So now I am trying to go higher up to save my credit report so that Im not being hurt due to lazy XXXX representatives. 

Unfortunately I have no documentation other than the bills and statements of payment for my current account because everything was done over the phone and when I asked for email receipts of the conversations, they were never give.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX  XXXX, Account # XXXX, has violated my rights. 15 U.S.C Section 602 A.

States I have the right to privacy. 15 U.S.C Section 602 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 2023-07-20
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
There are several problems : 1. I just discovered that this is a commercial loan in a residential neighborhood 2. The company never filed a deed with the appropriate authorities in XXXX 3. Several questionable payments made to XXXX XXXX tax sources as shown on my mortgage escrow analysis. I have verified that the listed payments were never paid. 
4. A sizable payment made to the XXXX XXXX tax source appears to be questionable. 
5. There are two unknown payments labeled " Hazard Insurance Payment '' that can't be accounted for. 
6. The mortgage company has informed me that my negative escrow balance requires me to pay an additional {$1000.00} per month. I think there could be fraudulent over-payments from my account causing the massive shortage. 

Note : I have a copy of my escrow analysis and want it reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: SANTANDER HOLDINGS USA, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a joint checking account with my spouse at Santander bank. On XX/XX/XXXX I deposited a check made out to me for {$1500.00}. This deposit cleared and finalized on XX/XX/XXXX, and I have both a confirmation number and an image of the check ( Which had been processed on the mobile app. ) On XX/XX/XXXX I contacted Santander Bank to make sure that deposit had cleared and I was assured that it had. Several hours later however, on XX/XX/XXXX, my account balance showed a large overdraft in the amount of that check. When I contacted Santander bank, they told me that my deposit had been flagged for an extra hold time and would not be released for another week. They were not able to give me a reason why this had happened. The check was not for an amount larger than I would usually deposit, The check had already cleared with the originating bank XXXX XXXX XXXX XXXXXXXX ) and the money was already being held by Santander. Again, I regularly deposit checks of this amount into this account, which I have held for 12 years with this bank, and I have received numerous checks in similar amounts from the same account that this one originated from. ( the money was a gift from my parents. ) None of the customer service people from Santander bank were able to tell me why this hold had been placed. Because of this unexpected delay of a week in processing my deposit, I am incurring a number of fees, including overdraft fees, and late rent payment fees. Most importantly, I only discovered this hold by chance when I saw the large overdraft on my account, and it took a long time on the phone with several people in order to find out what had actually happened. It is my understanding that a bank can put an extra hold on funds if it determines that it might be necessary. However, it is also my understanding that a bank needs to notify the account holder that this is happening, and this was not done in my case. Nobody notified me of anything, this hold is still not listed in my account activity, and I would not have found out about it if I had not called. I am making a complaint seeking to recover the amount of money lost in various fees, due to the fact that I was not informed that there would be a hold on this deposit, and was, in fact, told the opposite, that the deposit had already cleared.

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 2023-05-26
Company: SANTANDER HOLDINGS USA, INC.
State: CA
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 a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately SANTANDER  XX/XX/XXXX Balance : {$18000.00} XXXX XXXX XX/XX/XXXX Balance : {$22000.00} XXXX XXXX XXXXXX/XX/XXXX Balance : {$560.00} XXXX XXXX XX/XX/XXXX Balance : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: TN
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 explanation
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
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: Credit inquiries on your report that you don't recognize

Complaint:
This was my fifth time of notifying the Experian and XXXX that I was a victim of identity theft, and this is another request to block and remove these inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to block and remove any items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this report in my previous letter & I am including it again. Also, I found another unauthorized inquiry in my XXXX Credit Report, and I know that this inquiry was opened without my permission. Please see below the inquiries that I urgently needed the 3 Bureaus to remove : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-19
Company: CITIBANK, N.A.
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:
First, Thank you for all your help! 
I'm taking the law class now hope I could make a different too. 

This is related to XXXX Submitted on XX/XX/24 The time when I reported the case. Citi card co. did credit me back {$5000.00}. So I did not included Citi credit card. However since then the credit is cancel and Citi requested me to pay {$5000.00}. I used 4 credit cards to purchase the service. 
3 credit cards of {$45000.00} from XXXX  XXXX XXXX XXXX XXXX. And {$5000.00} from Citi card, total of {$50000.00}. 

I have submitted to Citi of XXXX asked to re-investigate the disputed-XXXX  Credit Card # XXXX But I have not get any answer since last week. 

Update information : I have discovered, XXXX is not her real name that signed the contract with me. 
XXXX XXXX XXXX is her name. It appears that she has committed fraud by sign the contract under false pretenses. 
I believed the contract should be consider void due to the 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 explanation
Consumer complaint received 2024-01-15
Company: Experian Information Solutions Inc.
State: MO
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:
Experian closed 5 complaints while working on 5 other complaints only problem is there completely alike which Experian refuses to fix

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 2023-03-30
Company: EQUIFAX, 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:
The accounts listed below are not mine and I am not aware of these accounts FTC FCRA violations 15 USC 1681 C-2, 15 USC 1681 C-1. I have previously provided FTC reports to the bureaus and they have failed to provide verification and delete accounts that do not belong to me. 
XXXX XXXX acct # XXXX {$150.00} XXXX XXXX XXXX Acct # XXXX {$650.00} XXXX XXXX acct # XXXX  {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: GA
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 I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$330.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the fair credit reporting act the listed accounts below have violated my federally protected consumer rights to privacy and confidentiality under the 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT NEVER LIVED AT THIS ADDRESS I DID NOT OPEN THIS A ACCOUNT. THIS HAS VIOLATED 15 U.S.C 1681 SECTION 602A 15 U.S.C 1681 SECTION 604A SECTION 2 15 U.S.C 1681C ( A ) ( 5 ) 15 U.S.C 1681 5-2 ( A ) ( 1 )

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-03-28
Company: Experian Information Solutions Inc.
State: NJ
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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 XXXXXX/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 2023-11-22
Company: Netspend Corporation
State: IN
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
NetSpend didn't provide provisional credit. 

I followed NetSpend dispute process, after my debit card was stolen and unauthorized charges were made.

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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Fruad accounts and inquiries appearing on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: VA
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 tried to fix the last payment with XXXX XXXX XXXX report on Equifax say it's on the XXXX say it on the XXXX and Equifax say it on the XXXX and XXXX XXXX stopped reporting to the Equifax. I just want to fix the reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: MA
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 am writing to formally request assistance in resolving a dispute with Equifax regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax regarding the following discrepancies, but to date, I have not received any response. Please find the details of the inaccurate information and the necessary corrections below : Account Not Late - XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ). I kindly request that you correct this inaccurate information on my credit report. 


Account Not Late XXXX XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Please correct this inaccurate information on my credit report. 


Account Not Mine - US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2000.00} ). I request the removal of this account from my credit report. 


Account Not Mine - US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$4500.00} ). Please remove this account from my credit report. 


Account Not Mine - US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2000.00} ). I request the removal of this account from my credit report. 


Account Not Mine - US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$5500.00} ). Please remove this account from my credit report. 


Account Not Mine - US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2500.00} ). I request the removal of this account from my credit report.

Company response to consumer: Closed with non-monetary relief