BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$730.00} ; XXXX XXXX Balance Owed : {$660.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n 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 XXXX ( XXXX XXXX XXXX ) {$470.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: SANTANDER HOLDINGS USA, INC.
State: MA
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:
My Santander Bank credit card statement included a purported charge from XXXX dated XXXX XXXX, XXXX, in the amount of {$190.00}. Since I never got a ticket from XXXX and never rode on XXXX, I attempted to question XXXX about this charge. But XXXX did not respond to my email. I then began to dispute the charge with Santander, including writing a letter to its chairman, but I did not receive a remotely definitive substantiation of the charge until Santander sent me a letter dated XX/XX/XXXX ( 8 months after the purported transaction ). Santander included internal XXXX screenshots, which were difficult for a XXXX  employee to interpret. After reviewing the screenshots in a conversation with XXXX, I am now willing to pay the {$190.00} principal, but Santander informed me on XX/XX/XXXX that it will only accept payment of the entire balance, including {$190.00} principal, interest and fees, totaling {$410.00}. I believe I should only be liable for the {$190.00} principal, plus interest from XX/XX/XXXX since Santander was only able to validate the charge on XX/XX/XXXX, eight months after the fact.

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 2020-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN A NUMEROUS AMOUNT OF ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.

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 2023-05-01
Company: Experian Information Solutions Inc.
State: CA
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 fair Credit Reporting act XXXX account has violated my rights. 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been back and forth with this company for some time now. I haven't looked at my credit report in years which I admit is my fault but when I do look at it I am showing 2 credit cards from the same company that I never even heard of until I seen it on my report and researched who they were. I have repeatedly asked them to remove it and if they won't remove it to send me proof. There are 3 of us with the same name and there are people out there that is just not right so I want to see factual information in which they won't provide as well as they won't remove off my credit. Then transunion, I dont even think they are sending it to them anymore because there is not letter with the disputes that are coming back. This is beyond frustrating and nobody should have to deal with things like this.

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 2019-03-29
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the American Express Gold Delta SkyMiles Business credit card on XX/XX/2018. There was a promotional offer attached to the credit card to earn XXXX bonus miles after making {$1000.00} in purchases within the first 3 months of card membership. 

Before my credit was ran and applying, I was NOT advised any message regarding not being eligible for this offer. 

I applied for the credit card as normal, and received it the following week. On XX/XX/2018 I decided to check the status of the promotional welcome offer. I have attached the chat from XX/XX/XXXX where the customer service rep stated that the offer had been declined by the back-end team. 

Extremely upset because I also received a letter from American Express on XX/XX/XXXX, stating that I was shown a pop-up with a warning that I would not be eligible for the offer BEFORE applying & running my credtNO SUCH WARNING WAS SHOWN TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a complete packet for a loss mitigation application. My lender received them and informed me that its under review and just waiting for the results of the application and that it will take 30 days. 30 days after there's still no updates from them and they are saying that the evaluator has not even started the review process. I am not sure if they really want to help me save my home or they want to foreclose my home.

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 2023-08-21
Company: Experian Information Solutions Inc.
State: OH
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:
Did not authorize on my 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 explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: MD
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 SUBMITTED ALL DOCS TO SHOW THAT THESE ACCOUNTS ARE FRAUD AND I NEED THESE ACCOUNTS UPDATE ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-07-26
Company: Experian Information Solutions Inc.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: GA
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:
Over the past few months I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. It has become clear that the Experian being willfully negligent in rectifying my affairs. 

These accounts could not be verified nor validated with XXXX. Therefore XXXX deleted it from my credit report. If this account is from the same creditor how is Experian able to verify and validate information that the other bureaus could not? By Federal law these accounts should be reporting consistent across all three bureaus, which it is NOT. Proof Experian have NOT done a proper investigation, FAILED to protect my consumer rights. You refused to correct this information which is a direct violation of FCRA 15 U.S.C 1681. According to Fair Credit Reporting Act ( FCRA ) everything on my credit profile must be accurate, verifiable, and if not that information must be deleted.

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 2017-03-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I co signed on a loan that was a refinance of an existing loan of mine.  The (now retired) employee that swore to me that this was a necessary thing to do to keep the loan from going into default lured me into a deceptive loan. I have dealt with this company in the past on small loans but they assured me that taking out t his larger loan to consolidate bills was a necessity. These people make you think you are a friend and they are looking out for your best interests.  They said I needed to put this loan in my friends name (who had debts  being paid off from the loan also) because "the friend" had a job and if he lost his job the loan insurance would make the payments.  The terms and conditions they gave us were NOT what we had been promised. After having us sign the forms I realized interest rates were changed and was told it was a binding contract and nothing I could do.  The terms were for 5 years near the end of the 4th year financial problems were incurred and they said they would modify the loan. No papers were offered, no terms given they just said it would lower the payment. We were left to assume the terms were the same.  What I later found out (from logging into my information online, which I was not told was possible) I saw the loan was extended for 12 more years.  The friend got into some legal trouble last year and because of that had to move.  I called the local office and explained to them the situation and asked if they could give me any  help.  The manager told me that  he couldnt do anything and that I needed to pay or go to court.  I have paid this loan for over 9 years approximately and for the amount borrowed I have paid the original amount borrowed and much more. They take out all interest first and nothing goes toward principal. 7500 (approx) was borrowed and by the end of the estimated 11 more years they tacked on the loan close to 50k will be paid! That is more than my home cost!!! They now cant find the primary lender and are harassing me non stop. I tried to work with them in the beginning and they refused. I spent 20 years being XXXX raising a son alone and repaired my credit only for these blood suckers to ruin me over their deceptive practices.  I have no issue paying for something I borrowed but this is not only robbery but it is unethical. It seems nobody is out there monitoring these companies.  This is why they split XXXX to take the mortgage and OneMain to personal loans. Easier to steal more money from lenders who try but cant get conventional bank loans. Our protection is nowhere to be found from our government who should be monitoring these companies. I can see why they can't keep employees there long. Anyone with any conscience would not work for a company like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Received phone call from an individual claiming to be calling from the XXXX XXXX Fraud line. The number displayed on my phone was the XXXX XXXX Fraud number as I verified that. He already had access to my account information leading me to believe he was a legitimate agent. The individual asked if I had authorized any bank transfers to an individual who was repairing my roof. I had not. He then told me he would help to intercept the attempts by setting up dummy wire transfers and directed me accordingly. Two such wire transfers were done from my XXXX XXXX saving account to a XXXX Account and individual. Likewise he instructed me to do the same thing from a PayPal account. The total $ were {$26000.00}. I have notified XXXX XXXX and they are investigating this. They provided me with this information and also suggested that I submit a police report. 
I have since changed my online access. 
He claimed his name was XXXX XXXX from XXXX North Carolina. The phone number he provided did not ring through.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-08
Company: Experian Information Solutions Inc.
State: NY
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 have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

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 2022-10-13
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I was given an American Express gift card in the amount of {$2000.00} from my employer. When I tried to use the card I discovered that only a few cents remained on the card. My employer received the gift card in a sealed envelope which he then gave to me. The card never left my home. The following charges were made : XX/XX/2022 XXXX XXXX XXXX MN XXXX {$25.00} XX/XX/2022. XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX {$21.00} XX/XX/2022. XXXX XXXX XXXX XXXX XXXX {$900.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/2022 XXXX XXXX XXXX XXXX {$74.00} American Express was able to give me the information from the card number but basically said " tough luck '' that someone used my card. How do I know that it wasn't one of their employees since my card arrived sealed and unused?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 ANOTHER 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-10-02
Company: Experian Information Solutions Inc.
State: NM
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF THE TREASURY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-28
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation