BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-25
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I, XXXX XXXX, a natural person, am demanding Santander Consumer USA to provide me with any documentation, and concrete evidence, and any agreements WHATSOEVER between myself XXXX XXXX, and Santander Consumer USA, to give an unauthorized 3rd Party, a XXXX that was NOT a witness of the Transaction between ( myself, XXXX XXXX, and Santander Consumer USA ) give XXXX XXXX XXXX XXXX the rights to get my information, my address, my location, come to my property, and take my vehicle ( XXXX XXXX XXXX ) by FORCE in front of my neighbors/witnesses dated on XX/XX/XXXX. Where is the documentation to give an unauthorized 3rd party, the rights to do such things? This complaint is very simple and CLEARY to read and should not be misunderstood. 

PLEASE provide me such information mentioned above. 
I AM DEMANDING those documentation. Expeditiously! 

The company XXXX XXXX XXXX XXXX has admitted, and confirmed of taking my property ( XXXX XXXX XXXX ) away from me at my place of residence to be exact is where my property was taking away ( See attachments ). 

Ive also filed a complaint with Federal Trade Commission in regards of this serious matter. 
Again, Please provide me the information mentioned above. Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are three accounts on my Experian, XXXX, and XXXX report that needs to be removed because they are aged past the 7 years it is supposed to be reporting on my credit report and they are all reporting inaccurately. Please remove. 

XXXX - XXXX **** USDOEXXXX - XXXX** US DEPT OF EDU - 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 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are three accounts on my XXXX, XXXX, and Transunion report that needs to be removed because they are aged past the 7 years it is supposed to be reporting on my credit report and they are all reporting inaccurately. Please remove. 

XXXX - XXXX **** USDOE/XXXX - XXXX US DEPT OF EDU - 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 2021-09-20
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
They closed my account out of nowhere claiming fraudulent funds were being deposited and demanded I send all my sensitive documentation to prove my identity and employment. I am who I say I am and am not fraudulent although they claim I violated the terms of my contract by being so. Not only did I prove my identity to them immediately upon request, but I have been in constant contact with them and have submitted my info on 3 separate occasions. They continue to claim they have not received such information and that it will take XXXX hours to verify upon each submission. It's been 11 days and I have not XXXX dollar to my name, no gas in my car, no food in my house, am about to lose my job ( ca n't drive ) and am XXXX  months XXXX. 

I have received the same pay from the same place upon signing up with this bank. They won't get me a supervisor to resolve the matter and are withholding all my funds for no good reason while making heinous claims about my honesty and integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XX/XX/2022, I mailed a letter to each of the three bureaus XXXX, TransUnion and XXXX. They have failed to provide me with the investigation outcome. I have requested that they PLEASE PROVIDE WHO they TALKED TO VALIDATION THE INFORMATIOIN, AND THE TIME AND DATE. THE INACCURATE INFORMATION THEY HAVE REPORT TO MY CONSUMER REPORT HAVE CAUSE ME STRESS AND TIME FORM MY JOB.

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 2020-03-17
Company: EQUIFAX, INC.
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:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX duplicate data COLLECTIONS XXXX  XXXX XXXX XXXX XXXX duplicate data INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX   XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX   XXXX  XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized PUBLIC FILINGS US DIST CT XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: BOK FINANCIAL CORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I did submit my mortgage payment using the Pay Bill from my bank ( in this case XXXX XXXX XXXXXXXX -- see proof ) Such payment was, according to XXXX processed on XX/XX/2023. However, when I checked the online profile on Bank of Texas, the payment was not been reflected on XX/XX/2023. I contacted BofTX and received the replay they have not received such payment and I should WAIT FOR THEM TO PROCESS ( XXXX. In between, my mortgage profile remains delinquent. I issued a inquiry with XXXX about the XXXX XXXX not been processed and I was provided with the electronic payment number XXXX. I contacted again BofTX and talked twice with XXXX who said the payment should be reflected by Monday, XX/XX/2023, which it is today but my mortgage on the online profile still shows my payment been due. I feel both banks are just jugging in between and not get my issue resolved. I am out of {$1400.00} dlls from my checking and I still have my mortgage payment not been received. I was indirectly pointed the fact that I do not have an automatic payment set-up for BofTX to get the payment directly from my account, which it is something I prefer not to do. In the almost 9 years dealing with this mortgage, this is the 1st time my account shows been delinquent. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: MA
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 received your response dated XX/XX/XXXX and XX/XX/XXXX in reference to my inquiries regarding 3 accounts on my consumer report. I understand it isn't your companies goal to undermine my trust in your reporting practices, however, the significant number of inconsistencies and missing information contradicts your claim to accurate reporting cited in your written communication on XX/XX/XXXX and XX/XX/XXXX. 

The account that is being furnished by XXXX XXXX XXXX is reporting a high balance of {$610.00} with Experian. XXXX is reporting a high balance of {$420.00}. XXXX is reporting a high balance of {$500.00}. All of these can not be correct. Please delete this account due to inaccurate reporting. 

The account that is being furnished by XXXX XXXX XXXX is reporting a payment history that is completely off. Experian reported a late payment in XXXX of XXXX while XXXX and XXXX marked that month as " OK. '' Experian did not report at all during the months of XX/XX/XXXX to XX/XX/XXXX while XXXX and XXXX marked those months as " OK. '' This account was never late. Please provide the banking records from this company proving this account was late. Mark this account as never late or delete from my consumer report. 

The account that is being furnished by XXXX XXXX XXXX has not provided me with proof that I have a debt with this company. I have requested a copy of the purchase agreement between XXXX XXXX XXXX and the original creditor, original contract which states that I have a debt with the original creditor ( bearing my wet signature ), as well as an accurate record of this account that has been affecting my consumer report in a negative way. In addition per 15 USC 1681 XXXX XXXX XXXX never had written permission from me to report anything on my consumer report.

All of these inaccuracies are too far apart to have been properly investigated, have not been fixed, and are a violation of the Metro 2 standards which state that all reporting should be completed with 100 % accuracy, no missing entries, as well as be consistent across all 3 credit bureaus. 

I would like for this information to be properly reinvestigated and fixed or deleted if the proper information can not be obtained to reflect a consumer report that is 100 % accurate.

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 2022-03-25
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2019-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have 4x scheduled transfers through USBank every month, with 2x scheduled transfers going from USBank to XXXX XXXX  in the amount of {$4700.00} ( twice monthly ) and 2x scheduled transfers going from USBank to XXXXXXXX XXXX in the amount of {$500.00}. 

Repeatedly, and without prior notice, these transfers did not occur. I have spoken to 2x USBank managers and their IT helpdesk. Nobody at USBank wants to own this and certainly hasn't made any meaningful attempt to solve this. 

Most recently, I was told to contact the business relationship manager. Here was his latest response to me : Unfortunately, this falls out of my scope of practice. 

I have opened multiple tickets with IT and nothing gets fixed. I am making a formal complaint, I can provide multiple emails of the course of months ( since XX/XX/2023 ) showing where the transfers sometimes go through and sometimes do not.

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 2022-03-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX # XXXX SPS XXXX XXXX XXXX XXXX XXXX UTAH XXXX ( XXXX ) XXXX I HAVE PAID MY TRIAL DUES VERY TIMELY STILL, THE BANK REFUSING TO REMOVE FALSE FEES OFF MY ACCOUNT STATEMENT DATED XX/XX/2022 UNDER ACCT. INFORMATION {$45.00} UNPAID LATE CHARGES, {$120.00} OTHER CHARGES AND FEES. {$1.00} ESCROW TAXES AND INSURANCE {$0.00} CENTS, ESCROW TAXES TO DATE {$16.00}, PARTIAL PAYMENT FEE {$6.00} DESPITE NEVER HAVING ESCROW DUES ON MY ACCOUNTFROM DAY 1 AND I PAID MY FLOOD INSURANCE DUES VERY TIMELY NEVER LATE. I JUST NEED A CHANCE AS A XXXX XXXX VETERAN TO SAVE MY PROPERTY EVEN THOUGH I WAS BADLY FINANCIALLY IMPACTED BY COVID19 DISASTER THE COMPANY OVER YEARS REFUSE TO DELETE BUILT IN ILLEGAL FEES MY ACCOUNT SEVERAL YEARS NOW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, 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:
This is maddening! Despite the multiple dispute letters and CFPB complaints that I have been submitting against the Credit Bureaus, they still have been failing to verify the validity of the disputes items on my Credit Report. I have already sent a letter to the XXXX, Equifax, and XXXX Credit Bureaus last XX/XX/2022 requesting the verification and deletion of information on my credit file which I consider as fraudulent. Upon reviewing a copy of my updated credit report, most of the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus since the first dispute letter I sent to the Credit Bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Also, the Credit Reporting Agencies are bound to comply with the Fair Credit reporting Act section 605b and remove the fraudulent accounts and information being reported on my Credit File. Once again, I am requesting that the Credit Bureaus remove the following fraudulent items completely from my Credit Reports : XXXX XXXXXXXX XXXXE XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
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: Account status incorrect

Complaint:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX . 
XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX . 
XXXX XXXX XXXX  XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
my account balance has not been updated to reflect my current balance

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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 act, this creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it also states consumer reporting agency can not furnish an account without my written instructions. Under15 usc 1666 b a creditor a creditor may not treat a payment on a credit card account under an open consumer account as late.

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