BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: SANTANDER HOLDINGS USA, INC.
State: MI
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:
XXXX XXXX last XXXX SSN XXXX Adress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Customer Relations : This letter is in reference to a late payment with the account I have with your company Last year due to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the late payments I was simply financially not able to pay my bills I have since gotten back on my feet and brought my account up to date with your company. 
XXXX am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing this late payment from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I recently reviewed a copy of my credit report and was shocked to discover identity theft. I found this account XXXX account number XXXX on my credit report that were not opened by me. Also three addresses that does not belong to me XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX twp and XXXX XXXX XXXX. This has been troubling me greatly, especially as I am in the process of purchasing a home for my family. I kindly request the immediate removal of these fraudulent accounts from 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 2023-05-02
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Snychrony Bank closed my Amazon Store Card without notice. I have a {$0.00} balance on the account, and my full email history of payments being scheduled and processed. I have received no notifications of any issues with payments, received no letter, have never missed a payment, and have been told my rewards balance of {$29.00} has been forfeited.

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 2023-06-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed the first response to show the dispute letters I sent to dispute the accounts. This is the letter I sent next asking them to respond before I submit that document here!

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 2021-05-14
Company: Experian Information Solutions Inc.
State: WA
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 had a time share with XXXX vacation which was sold to me as a real property and I pay monthly mortgage only to find out that it was just a time share. So, I got the contract cancelled in XXXX, the account was charged off with XXXX balance since then. But somehow it says balance due {$660.00} although the account has been closed and says current balance {$0.00}. When I purchased my personal residence in XXXX and XXXX, this issue popped on my credit report and I worked with my lenders to get the deals over the finish line by sending in a check for {$660.00} but the check was returned because the account has been closed and they could not take the payment. So, I asked Experian to reach out the XXXX and resolve the issue, and told them I am willing to pay whatever is due if need be. They said, " we can't dispute this since the case is closed, if they are not taking the payment, there is nothing we can do '' then somehow they decided to dispute the claim, took my info and said they will notify me once they complete their investigation. Few days later, they emailed me saying " status remains ''. They told me I have to wait till XX/XX/XXXX before this " delinquency '' drops. I strongly believe this is wrong, and unfair. Experian did not make a good faith effort to resolve this case and I just need this to come off my credit report. If they properly disputed and investigated the case, I believe there would be a different outcome and I would like to see what their investigation, if any, uncovered. I appreciate all your help resolving this matter. Thank you!

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 2021-05-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This complaint is about the XXXX bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
To the best of my knowledge and memory I make the following statements. XXXX XXXX XXXX ... 2 separate incidents on 2 separate calls on XX/XX/2018 in regards to myself asking about what is a " consent to release form. XXXX XXXX ... think I have last name spelled correctly may or may not have misled me. He stated that the consent to judgment was " basically the same letter " that was emailed to me earlier ( settlement agreement ) and that it would be my way to agreeing with the settlement for lower amount ... also, called XXXX XXXX lawyer and spoke to a woman. I asked her to connect me with the attorney to please explain the papers sent. She said that the papers were sent earlier that day ... ... in the same conversation she stated to me about the rule 11 and consent to judgment " if you do t sign it we will take you to court '' these statements are concerning to me. Are they to you?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX ... the living human being, I am submitting this on my own behalf..no credit repair company..no attorney ... .this is my knowledge of the Fair Credit Reporting Act. I recently submitted to all 3 bureaus that my credit reports contain fraudulent accounts, I submitted all correspondence proving that these accounts are fraudulent yet the bureaus continue to send me reports claiming that these accounts belong to me without any PROOF! I know it's frivolous, hoping that I go away and accept this fraud. The consumer financial protection bureau know first hand that these companies work for the CORPORATE wolves! I demand that these bureaus, XXXX, XXXX AND TRANSUNION are forced to do their jobs! In accordance with the Fair Credit Reporting Act XXXX  accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 STATES THAT I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 SECION 2. STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN PERMISSION.

Every account listed above has been put on my credit reports fraudulently and I demand they every one of them is deleted immediatley! the Law is clear and all 3 of these Credit reporting agencies are clearly in violation of the law and I am prepared to do everything I need to do by LAW to hold them accountable! Every violation holds a monetary value that I will pursue in the courts.

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 2018-09-01
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
XXXX XXXX  sold the store card to XXXX XXXX XXXX XXXX. I called. XXXX XXXX - XXXX is their number I called XXXX XXXX  who claimed they had this account and was sold to them. I need XXXX XXXX to comment on this account that it is settled and paid in full. It is not a charge off or collection. Remarks need to say please, or comments settled and paid in full. Thx. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: SUNCOAST CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2023, i sent a verbal and an electronic message to representatives of Suncoast Credit Union requiring them to immediately close all of my accounts associated with Suncoast Credit Union due to their predatory fee policy. This wish was not honored and as a result, i have a negative balance on my Suncoast Credit Union checking account because of NSF fees charged to this account after XX/XX/2023. My accounts had positive balances when i sent the verbal and electronic notices requiring the immediate closure of all my accounts at Suncoast Credit Union on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I am victim of identity theft, my information was compromised I turned in many police reports to the branches. I recently had an appointment and a branch employer informed me that my account has been reopened and that my new chase card will come in within XXXX days. After the appointment, the very next day I received a letter and it states that my account has been restricted again and may be closed again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: NY
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:
I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$7300.00}

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 2023-12-17
Company: USCB, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
USCB AMERICA is fraudulently reporting a medical debt that they allege belongs to me but has failed to verify. I have requested proof of the records and have not been supplied any evidence that I in fact owe this debt to them. Furthermore I have never granted USCB access to any of my personal information much less permission to access any of my medical information which violates my right to privacy, XXXX and my states medical privacy rules. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) pertains to unsecured XXXX identifiable health information of an individual in a personal health record and the acquisition of that information without direct consent from the individual. I have given no such authorizations therefore there is definitely a Breach of Security if your company has any of my personal and or medical information. Your actions violate the XXXX XXXX XXXX XXXX  XXXX XXXX, FCRA and XXXX. 

I AM DEMANDING COPIES OF : XXXX authorization bearing my signature Copies of any agreements associated with this account Copies of bills associated with this account This is my formal dispute as well as Cease and Desist Demand to cease all collections activity. Compliance is required and I reserve the right to file charges and additional complaints with the XXXX as well as any county, state or federal authorities that govern your activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been attempting to obtain my credit report from Equifax since XX/XX/2022. 
I received a letter from Equifax dated XXXX XXXX, 2022 requesting further hard copies of ID, which I provided and sent out XXXX XXXX, 2022. I have never received my credit report. Today I tried applying again online at MyEquifax.com XXXX times receiving error messages saying, " We're experiencing issues processing your request. '' Here is the link : https : //my.equifax.com/consumer-registration/ACR/ # /system-error Furthermore, I called the Equifax help number ( XXXX XXXX literally XXXX times today and was unable to speak to an agent. The numbers I called were : XXXX XXXX XXXX It was a rambling, circular mess of automated questions that led nowhere until the service eventually just hangs up on you. 

I've had virtually identical experiences with XXXX and XXXX. 
This is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the ( XXXX ) XXXX inquiries and inaccurate personal information showing on the credit file with Transunion. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.

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 2022-02-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello and thanks for your time. 

My wife and I do our banking with Chase, and three accounts had unauthorized ACH withdrawals by a fraudulent company by the name of XXXX XXXX. 

On XX/XX/XXXX, they withdrew {$3800.00} from our XXXX XXXX  son 's savings account. 

On XX/XX/XXXX, they withdrew {$8900.00} from our savings account, and another {$18000.00} from our checking account. 

We have never done business with nor interacted with XXXX XXXX, and we did not authorize any withdrawals from our son 's saving account, nor our checking or savings accounts. 

Research showed that this company does not exist, their phone number rings with no answer, their po box is false, and their physical address is in a shared office space that is not aware of their existence.

There are at least two other families in our community who have had the same thing occur ( unauthorized withdrawals by XXXX XXXX ) but with different banking partners. 

After learning of the transactions on XX/XX/XXXX, we immediately contacted the fraud department at Chase. We asked them to deny the charges, as they were still pending. We were told that the pending transactions would not go through, that they would be blocked. However, the charges did go through. 

On our XX/XX/XXXX phone call with Chase, they failed to assist in a satisfactory manner. We had to escalate our call to management, who also provided very little guidance. The following day, we went to our local branch, and a bank rep helped us by providing the necessary affidavits to sign ( attesting that we did not authorize the withdrawals ), and helped to close the affected accounts and open new accounts. Chase also provided a credit to my son 's savings account, but not to our checking/savings accounts. 

We also filed a police report with our local police department. 

This morning, Sunday, XX/XX/XXXX, we received a notification from Chase stating the following : " Thank you for contacting us about the transaction ( s ) on your account. Here 's what you should know : As we discussed and agreed, no action will be taken. 
This inquiry is now resolved. '' We had neither discussed nor agreed that " no action '' would be taken. Chase has apparently resolved the inquiry, and somehow decided that huge overdrafts of tens of thousands of dollars was acceptable, despite the fact that we called to let them know we did not authorize the charges, and that XXXX were debiting money directly from two different savings accounts, in addition to our checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
The debt was sold without being contacted in regards to. I was told from the school that the tuition would be covered after so many XXXX of being enrolled. The tuition then was sold off to the debt collection agency with no signature or verification of debt/ ownership. I spoke to the debt collection agency on various occasions and asked to not be contacted, however a debt collector called my telephone and left a voicemail to resolve the debt. I have expressed on numerous occasions the nature of the debt alongside with disputing it with the credit bureaus it's invalidated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday XX/XX/2023, I attempted to use my account at Chase Bank, only to see my card was not working. Once I noticed this odd action, I immediately gave them a call. They informed me that my account was restricted and they have chosen to close the account. Chase would not provide me a reason as to why this was happening. I asked why can I not know and they stated that I will be receiving a letter via mail in 10 business days. They also stated that I would receive my funds in approximately 2 weeks. So I asked, it would have take me this long to even know what was going on with my account if I did not call. 

On Saturday XX/XX/XXXX, I was told by a service rep that I would be able to go into the branch and have my funds made out in form of a cashier check. Moving forward on Tuesday XX/XX/XXXX, I went inside of a branch only to find out that I could not even do that. They were still " under review '', but still no explanation of said review. 

On Wednesday XX/XX/XXXX, I see that I no longer even have online access to review my account nor see the amount of funds I have in the account. When I called in they did not state why I could not see my account. Although the warning told me to give Chase a call to have viewing access back, they still refused to do so. 


I have an ACH incoming into the account and I am not even able to see if the funds hit or not. They will not provide me an answer and says I should just check in daily with the sender to see if they had some sort of return. 

I have several bills coming up or now past due thanks to chase. Which will include me in late fees and no reasonable explanation to the companies as to why I am late. This has been the most unprofessional and untrustworthy process from a bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
Back in XX/XX/2020. My car was repossessed by Credit Acceptance. During this time I was serving in the XXXX XXXX, XXXX XXXX. I understand under the Servicemembers Civil Relief Act ( SCRA ) that I have certain protections and rights regarding a repossession. However Credit Acceptance did not get proper authority or go through proper channels for the repossession. They also failed to give me any notice by phone, email or mail. I did not receive notice of the action taken.

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