BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-15
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I use XXXX XXXX to frequently help with paying off old debts and when I looked to get an update it showed that my auto loan through Santander consumer balance increased by XXXX to my loan between the month of XXXX and XXXX, I purchased my vehicle at the end of XXXX and my first payment was due XX/XX/XXXX and I called trying to see why XXXX dollars was added to my loan and they just kept telling me my current balance and kept saying I wasn't charged an additional XXXX dollars even though I made my payment on the XX/XX/XXXX and was not late and the balance reflects the dis charge an extra XXXX dollars is this legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Navient Solutions, LLC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I disputed XXXX through XXXX. XXXX XXXX XXXX XXXX, navient, aidvantage ; they keep passing inaccurate information to the next organization. I tried several times because my record is in good standing ( since then ) apparently something happen in XXXX for a few months and XXXX for a few months. This was no fault of mine. XXXX late payments is the result of negligence of student loans reporting false information. They also they violated my rights 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They also they violated my rights 15 U.S.C 1681 Section 611 ( 2 ) ( A ) The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes. This company report late again in XX/XX/XXXX. I clearly ask them to mail be the form, the rep said ok in XX/XX/XXXX. All of a sudden, they emailed me the form and reported it yet when I question them. I did not ask for email, I called for an update and they simply do what they want to do. XXXX XXXX XXXX Navient Solutions LLC has been hit with a class action lawsuit alleging that it intentionally violated the Fair Credit Reporting Act ( FCRA ) and damaged the credit score of borrowers.Jul XXXX, XXXX, As a company they are suppose to offers all options, forbearance, income driven plan, or any other option available to the borrower, time and time again this company negligence impacts my credit score years later. It is not right at all. I was a victim of identity theft. I contact the company several times to update my info. please see attach ment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Commencing on or about XXXX, 2021, I fell victim to a multilayered scam operation orchestrated by various ( seemingly interconnected ) brands such as XXXX  / XXXX  / XXXX  XXXX  / XXXX / XXXX  ( collectively : the Companies ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
Money was transferred from my account via debit card, and through an intermediaries named XXXX, XXXX and XXXX in the total amount of XXXX USD utilizing Wells Fargo services.

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 2022-11-03
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello cfpb, the following list of dates and corresponding company names are fraudulent inquiries on my credit report that I did not authorize the companies to pull my credit and should be removed from 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 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 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 Thank you in advance, Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have an issue about the points accumulation for the most recent statement on chase card ending in XXXX. 

I tried to contact chase both via phone call and their internal message system to try to fix the issue, but I never got any reply. ( XXXX ) I am including the original message below, and the supporting doc I uploaded to Chase as well in the attachment. 


================================================================= i have a question about the points accumulation for the most recent statement. 

Even I have a reversal transaction ( XX/XX/2023, category as other for rewards earning purpose ) within this statement, I had more spending ( some with category as airline tkts, car rntls, rstrnts for rewards earning purpose ) which leads to a positive statement balance, and which should lead to a positive reward points accumulation on this statement. 

However, I got a Negative XXXX points on this statement. 

Please help to fix the issue, and I am including a detailed dollar amount and reward points calculation sheet for you to review. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # 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

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 2023-09-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Ive contacted Experian multiple times via phone, mail and email to request a copy of my credit report. It shows that it has not been updated since XX/XX/2023. Ive verified all my information with them and they still have not given me a reason why they can not provide a report. I was told they checked with the other credit reporting agencies and everything is accurate and I still have not been given a credit report and score from Experian.

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 2022-11-03
Company: Bread Financial Holdings, Inc.
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
I went to BJs. They asked if I wanted to credit card ; I got the card, through Comenity Bank, a Mastercard. I have NEVER used the card, but starting in XX/XX/2022, a " clothing company '' in Texas has been billing me, each month ; all those monthly charges are FRAUD ; it was NOT me who made those charges. I have called the Bank for 6 months, every phone number I could find. Comenity Bank NEVER answers their phones ; I've sat on hold in over 50 call attempts, on hold for 2-9 hours. No answer. PLEASE HELP ME!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-08
Company: Experian Information Solutions 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:
To Whom It May Concern, I was looking at my XXXX XXXX, There a few inaccurate things on my credit report that I never authorized or gave anyone the authority to run my credit. Some of these things never even came off after the 2 years so I'll add them also. All should be deleted from my credit report Ttbom XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The first 3 I never gave anyone authority to run my credit so I believe that to be fraud. 

The other 2 I was told by both companies should be off my 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 2020-06-03
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
MULTIPLE OCCASIONS WHERE SYNCHRONY BANK CHARGES FEES IN EXCESS OF {$39.00} FOR A LATE FEE. I ALWAYS PAY MORE AND ON-TIME AND DURING THE COVID 19 PANDEMIC SYNCHRONY BANK CONTINUES TO NOT HAVE ANY COMPASSION FOR THEIR CUSTOMERS.

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 monetary relief
Consumer complaint received 2024-01-09
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: Reporting company used your report improperly

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 DC - XXXX, XXXX XXXX XXXX XXXX - XXXX, and 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 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 non-monetary relief
Consumer complaint received 2023-12-15
Company: Paypal Holdings, Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I got my tax check deposit into my Venmo account I tried to withdraw some of my money it wouldnt let me I submitted all docs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have been getting calls since XX/XX/XXXX. I filed a report back on XXXX with FTC. I always have tried to ignore the phone calls but I got another call today about someone trying to deliver papers to my home. I said yes I would be home. 

Then someone called my husband at XXXX from XXXX stating they were called XXXX XXXX and they needed to talk to me about a lawsuit that was going to be filed under my name. The same person called then proceeded to call a family member of my husbands whom I don't have a relationship with at XXXX and stated the same thing to them. This was from the same number XXXX. ( XXXX XXXX XXXX ) I proceeded to call back because it was so annoying they called people that have nothing to do with me about my information. They then had me call XXXX and I spoke with a XXXX XXXX who transfered me to a gentleman stating that I had a debt from XXXX with amazon which I do not recall. he was stating he was going to file a lawsuit for my wages with my current employer and that if I had a dispute that then I would have to countersue them. He had my social security number, cellphone, and home address, and dob. 

These calls have been going on for such a long time and its freaking me out that they have all this information on me. 

The company is supposeldly called 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 2022-11-03
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a check from a customer/scammer in the amount of {$1700.00} on XXXX. 
I deposited the check through PNC mobile on XXXX. 
Check cleared with the bank and funds were deposited into my PNC account on XXXX. 

On XXXX and XXXX, the customer/scammer sending the check requested a partial refund of {$1000.00}, and {$600.00} through XXXX, respectively. 
I confirmed that the check cleared with my bank, and proceeded to XXXX the individual those amounts. 
In the evening of XXXX, the check was refunded. 

I called PNC to file a dispute on XXXX, once I realized I had been scammed- they indicated that the department handling such cases was closed over the weekend. 
I called PNC again on XXXX to file the dispute. 

I called PNC on XXXX to get a status update on the dispute- PNC informed me that the dispute was ruled against me on XXXX despite the charges being fraudulent and predicated on the confirmation from PNC that the check had cleared and was processed during the week of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Upgrade, Inc.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off two accounts I held with upgrade VIA a overnight mailed in check in XX/XX/XXXX ( as required by their company ) and a year later XX/XX/XXXX those accounts were not paid and closed because the checks were applied to the wrong accounts. This in turn left my credit being reported incorrectly for a year, which destroyed my credit and now is effecting the closing of a house I am purchasing. It gets worse In the middle of the process of purchasing a new home the mortgage lender I am using informed me that I owed upgrade money ( Even though I had already paid in full and closed these accounts a year previous ). So I called upgrade and they said that I owed apx {$7800.00} and that I could settle for {$4400.00} and pay that account in full and be done with it. So I did with out thinking and paid that amount. I then later contacted my bank to see if I had paid those accounts already and I was able to obtain a copy of both checks there were made to and deposited and signed by upgrade a year prior. 

So here is where I stand : I paid off XXXX accounts by mail in check on XX/XX/XXXX Both Checks cashed and deposited by upgrade on XX/XX/XXXX Checks were applied to the wrong accounts on Upgrades side causing a years worth of credit discrepancys. 
XX/XX/XXXX I settled and paid an Additional {$4400.00} to an already closed account via online payment XX/XX/XXXX I spoke with collections department about these issues told me to call back in 3 days. 
XX/XX/XXXX I spoke with collections department about these issues told me to call back in 3 days. 
XX/XX/XXXX I spoke with ( Collections team Lead ) and supposedly a ticket was submitted about my accounts told to call back in 3 days XXXX/XXXX/XXXX I was told to call back in 3 days again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # 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

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 2022-09-15
Company: Ghidotti | Berger LLP
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am being harassed by attorneys of XXXX BANKS that assumed my identity, assumed data information and allowed fictitious loans schemes using my valuations, my property and my identity theft for financial crimes. 

I reported I am victim violated by identity theft fraud of their crimes and contacted authorities regarding fraudulent misrepresentation practices regarding fictitious loans XXXX XXXX, This is the last, and only, time I will address your various filings. They are nonsensical, irrelevant to the pending foreclosure action, and are sanctionable as frivolous pleadings. If you continue this course of conduct, I will seek sanctions. 

Sincerely, XXXX XXXX, XXXX. 
Senior Litigation Attorney Email : XXXX Tel : XXXX EXT XXXX Fax : XXXX From : XXXX XXXX XXXX Sent : Thursday, XX/XX/2022 XXXX AM To : XXXX XXXX XXXX Cc : XXXX XXXX XXXX Subject : Re : XXXX Bank XXXX XXXX XXXX ; Case No. : XXXX I filed affidavits detailing federal racketeering, plus affidavits for relief due to counterclaim, detailing the public corruption, I filed affidavits for relief and had no response to those affidavits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I disputed a few accounts on my credit report back on XX/XX/XXXX. It has been nearly two full months and I have heard absolutely nothing from the credit bureaus. I understand that mail may be delayed a bit due to Covid,  but it is nearly double the time they have to respond. I believe that they have no intention of responding to me and that is unacceptable.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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