BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I entered into a debt consolidation program in 2017. Discover had me served with a judgement from a court stating that I was being sued for what I owed them. I was a plaintiff in a mesh lawsuit and received compensation for my injuries. DiscoverBank seized their full amount due and fees out of my checking account to fulfill the debt. However, on my credit reports which I have disputed several times, Discover states it was a charge off and that they werent paid in full. It was very odd how they just seized the money in my account the very next day after depositing into my XXXX  XXXX my lawsuit award. Which was about a year later. My debt with them was XXXX. They seized XXXX. My credit report should show them paid and full and then some, NOT a charge off. Thank you for your help with this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, XXXX XXXX XXXX is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

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 2022-12-21
Company: Experian Information Solutions Inc.
State: DC
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:
Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2020-06-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried several times to get Chase to correct their mistakes and get no response. I've called, faxed letters and messages on-line to get this resolve but get no response to fix it. 

I put my mortgage payments on bi-weekly and Chase withdrew a whole payment at one time and then withdrew another whole payment 2 weeks later. I have correspondence to attach to this complaint. 

Originally they said it wasn't set up right and I told them what I wanted and they said they'd fix it that way but didn't. 

I had to put a stop payment on my account because they were causing NSF charges for over-withdrawing. 

Please see the attached and make Chase service their mortgage propelry. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I had auto Loan account Loan was for is for {$15000.00} Amount I paid entire loan {$29000.00}. Loan contract was signed on XX/XX/XXXX Original Rate on agreement was XXXX. % for 60 month terms that would have matured in XX/XX/XXXX. Santander bank misrepresented the terms of the Extensions and did not state that my rate would increase. The Respondent misrepresented to me the impact of receiving a loan extension, including by obscuring that the additional interest accrued during the extension period would be paid before any payments to principal when the consumer resumed making payments, in violation of sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536. Under sections 1053 and 1055 of the CFPA, 12 U.S.C.

I did contact the Executive Complaints office that reopened my account to be settled as I was not informed on the filing of the charge from the Attorney General as they did not send me any information due to not confirming my correct address which i always updated. I was never provided any information on this case and how I was clearly a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Experian Information Solutions 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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXXs, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXXXXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : * A copy of my credit report I received from your company. The fraudulent items are circled.

* A copy of my Identity Theft Report ( All items are not on ITR due to limited room ) * and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, 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 explanation
Consumer complaint received 2019-08-24
Company: U.S. BANCORP
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was billed an annual fee of {$55.00} on XX/XX/2019. I emailed customer support on XX/XX/XXXX to close my account ending in XXXX. 

On XX/XX/XXXX, I received an email back stating that the account was closed. 

XXXX EMAIL TRANSCRIPT - XX/XX/XXXX from XXXX XXXX XXXX XXXX " Dear XXXX XXXX XXXX : Thank you for contacting Cardmember Service via our website about your FlexPerks ( r ) Business Visa ( r ) account ending in XXXX. 

We have completed your request to close your account. If you have any pre-authorized charges billed to this account, it is your responsibility to cancel these charges. Pre-authorized charges may include, but are not limited to, recurring transactions from merchants such as XXXX XXXX, XXXX, and insurance or internet providers. If the charges are not cancelled, they may continue to be accepted and billed to this account. 

Your account will remain accessible online as long as an account balance remains and will continue to show online for two additional billing periods once the account balance is at zero. After that time, we will automatically remove the account from Online Banking. 


Please contact us again if we can be of further assistance. 

Sincerely, XXXX XXXX. 
XXXX XXXX XXXX '' XXXX END EMAIL TRANSCRIPT ==== As of XX/XX/XXXX, the account was not closed, and the fee was not refunded. Additionally, a late fee was assessed, including interest. I called in on XX/XX/XXXX to confirm that the card was in fact, not closed, as I was told by customer support. The Annual fee was not refunded as well. XXXX XXXX 's own terms and conditions state the annual fee will be refunded if the account is closed within 30 days of the annual fee posting. 

Summary : The XXXX XXXX representative lied, and said the account was closed. The account was not closed, and the delay caused fees/interest to accrue, as well as lost eligibility for an annual fee refund.

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 2023-02-13
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX, I received an Apple Goldman Sachs Master card via XXXX  XXXX that I did not apply for. Approximately a week later a received a notice from Apple/Goldman Sachs stating that my identity was verified through the Social Security Administration on XX/XX/XXXX and I am listed as an authorized user. This notice had my correct name and address but I did not recognize the email address. I called Apple on XX/XX/XXXX in order to report that this is not my account or email address. The Apple representative stated that she closed the account and that I am not responsible for any of the charges. She did not provide me with the account balance ; however, she indicated that there were a total 3 cards connected to this account ( 1 being an Apple ID ). I informed her that I use an android phone. The Apple rep instructed me to contact all 3 credit bureaus and file a police report and mail it to Goldman Sachs. On XX/XX/XXXX, I called XXXX, XXXX and XXXX and placed a fraud alert and also froze my credit. On XX/XX/XXXX, I went to the XXXX XXXX Police Report Dept and filed a police report. I mailed the report to Goldman Sachs. 

Today, on XX/XX/XXXX, I received an alert from XXXX reporting that I have a card with an overdue balance : Apple Goldman Sachs with a credit limit of {$6500.00} and a current balance of {$11000.00} as of XX/XX/XXXX and a previous balance of {$4500.00}. I am listed as an authorized user. This account is listed as being open since XX/XX/XXXX. I called XXXX and spoke with a rep in the special services dept. She assisted me with filing a dispute and directed me to this website to file a complaint. She also mailed me a copy of my credit report ( that should arrive in 7to10 business days ) and suggested that I reach out to Apple again. On XX/XX/XXXX, I called Apple again in order to get an update on the investigation. The rep informed me that they are working on the case beginning today ( XX/XX/XXXX ). I informed her that the police report was mailed out to them. The rep suggested that I call back by Thursday, XX/XX/XXXX to request an update. I provided the Apple rep with my telephone number and my address as it is not on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: Access Receivables of NC Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed a contract with XXXX  for fiber internet, they added a portability clause which stated if we moved after paying for service for a year and gave 3 months notice, theyd install fiber in our new location. Internet was paid for over a year, sufficient notice was given and XXXX refused to install fiber to provide services as outlined in the contract, stating it was too expensive to install fiber. XXXX  still has been trying to collect this debt and is now harassing my dental office, leaving several messages on media intended for patient communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I already deleted and removed all accounts and are paid its almost a year and you guys are still reporting something false my debt to capital one is paid off and I also deleted my online Acess and app please remove this from my credit immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: PA
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
6 months ago I got married. Since then I have tried at least half a dozen times to have my name changed. I submitted all legal documentation requested. I also requested to add my husband so he could handle things while I am away on military orders. Again, I submitted all documentation. I have never heard back. When I requested an update they became nasty. I'm having issues getting it paid due to their unwillingness to update these things and it will affect my credit.

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 2023-01-07
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: Information belongs to someone else

Complaint:
Information is inaccurate and incomplete. Inaccurate account type, reflects incorrect date opened dates, and reflects inaccurate payment. They dont have permission to report it. Please see attached documents and remove.

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 2022-07-25
Company: Santander Consumer USA 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:
XX/XX/2022 XXXX XXXX pulled my credit without my authorization to do it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was contacted by Capital One stating they were " restricting '' my account due to " suspicious activity ''. I was told to call a number and when I did it was just a voicemail which stated to leave a message and they would call back. I've left several messages with no return calls or emails. My paycheck was deposited this week and the bank said they would close my account and send a check within the next two weeks unless I paid {$20.00} to expedite the check ( which I told them to take from the funds of mine that they have ). I'm going on day 3 when I should have received my " expedited '' check and my accounts haven't even been closed. They have been no help whatsoever. I've been hung up on, brushed off and talked down to. They are holding my funds and I'm not even sure why! They team that is doing this won't get on the phone with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Information is inaccurate and incomplete. Inaccurate account type, reflects incorrect date opened dates, and reflects inaccurate payment. They dont have permission to report it. Please see attached documents and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt was added to my account as collection on XXXX of this month I have file paperwork to let them know my identity was compromised. Agency has used tactics such as threatening lawsuit or jail time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a card with Synchrony Bank to purchase furniture from XXXX to furnish my new home I just purchased on XX/XX/21. When i submitted the application I was provided a message to give them a call and to give them Reference Number : XXXX. I called and the rep stated to upload my ID on a website that was provided to me. The phone got disconnected. 

The website is horrible I took a picture of my IL Drivers license the front 3 times finally it accepted. Then I took a picture of the back once. I was instantly denied. I instantly called back and the rep was like let me talk to the manager, within 2 minutes he's like you're denied. In my mind is how am I denied when I just bought a car ( XXXX XXXX ) {$47000.00} a home {$230000.00}. 

Today I received an email and basically they denied me because they couldn't verify my identity. Today is XXXX XXXX and I wanted to get the sales on the furniture. What's more alarm regarding this shady creditor is they denied me and didn't run my credit, I have no inquiries on either one of my credit bureaus. On top of they don't provide you with a phone number on the letter only to mail them a rebuttal to the letter. 

I called back today and got a nice young lady, I explained what happened and she offer to get me some help. She transferred me to XXXX. I said since I was denied due to my identity can't be verified can I take my credentials inside a VCF and let them send it to you. He stated no and no need to apply again because since there's an application already in they're going to go off of this application. I told him that it didn't make since and I would file a complaint against them and then he asked me to place me on hold. He came back and stated that he gave me some misinformation that I can apply as many times as I'll like. Still shady. I'm making you aware of my experience with Synchrony Bank.

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 2022-07-25
Company: Experian Information Solutions Inc.
State: FL
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 FCRA the following companies listed below have violated my rights as a consumer. The Credit reporting agencies stated the following were properly investigated but the opened date is inaccurate, and date last reported is not accurate. That is ground for removal. 

Accounts XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$1300.00} Inquiries XXXX XXXX XX/XX/XXXX My rights were violated under the following 15 USC 1681 Sections 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681 Section 611 ( 2 ) ( a ) states the credit bureaus have 5 days to notify me from when they receive my disputes.

15 USC 1681 Section ( 5 ) ( a ) ( I ) ( II ) states if items are found inaccurate or can not be verified the consumer reporting agencies shall promptly delete the information from the file of the consumer.

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 2020-06-18
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:
A company named XXXX XXXX XXXX is reporting an active account on my credit report that is currently reporting delinquent, and damaging my credit rating. This account does not belong to me, and I have never done business with this company. I have contested the account at the credit bureaus three times, but the credit bureaus continue to falsely verify the account belongs to me. I've even contacted XXXX XXXX XXXX directly, and they confirm that they do not have my name in their system, and have no record that I have an account with them. Despite all of this, this delinquent account that does not even belong to me, remains on my credit report and continues to hurt my credit scores.

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