BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: NJ
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:
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-06
Company: SANTANDER HOLDINGS USA, INC.
State: AP
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:
Would like to see about having Santander Consumer removed from my credit report, I used to have an auto loan with them but closed that account over a year and a half ago. I am aware of the fact that Santander is involved in litigation & in a class act lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: EQUIFAX, 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 second-time requesting 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 Balance : {$83000.00} ; XXXX XXXX XXXX Balance : {$1.00} ; XXXX XXXX XXXX Balance : {$54.00} ; XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$83.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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: Investigation took more than 30 days

Complaint:
1. XXXX XXXX, Account number XXXX is fraudulently published on my personal file. On XX/XX/XXXX I spoke with XXXX, a XXXX XXXX representative, she verified that my social security number is not linked to a mortgage in their system nor have I ever had a mortgage with XXXX XXXX. Even more important, I have NEVER assumed a mortgage thus far in my life. This account is not mine and I want it deleted from Equifax, XXXX and XXXX credit report files. Thank you. 

2. On XX/XX/XXXX, XXXX XXXX put a hard inquiry on my Equifax credit report. I have disputed this twice as inaccurate and fraudulent. Equifax replied on XX/XX/XXXX with results being verified as accurate however according to my XXXX XXXX  - Inquiry Impact Complaint conversation, reference number XXXX, my social security number is not in their banking system. Please investigate and delete this inaccurate information from my personal credit reports reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: Unisa, Inc
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX College of XXXX was paid directly since graduation for a Perkins Loan. The parent company kept reporting late pays on my credit report because of their slow processing. The loan had never been sent a late payment as every payment has been made on the XXXX of each month via Bill Pay from my bank. The loan is now being paid directly to the Lean Holder, UNISAINC. I have spoken to XXXX College in the past, and nothing has been resolved. I am, unfortunately, at the point of retaining legal counsel to deal with this loan. It is not my wish, but I am now forced to seek such action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
The following credit inquiries currently listed on my Trans Union, XXXX, and XXXX credit report are unauthorized and not my credit inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX, XXXX. XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX, XX/XX/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 2021-07-28
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: Was not notified of investigation status or results

Complaint:
THIS CONSUMER REPORTING agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, and I was not notified in the time frame. As the original creditor, only I can validate this debt. I DO NOT VALIDATE this debt. PLEASE DELETE IMMEDIATELY!! 

I have sent multiple letters disputing a chapter XXXX bankruptcy that is not mine. XXXX has deleted it from my report. Yet the Chapter XXXX Bankruptcy still has not been deleted. They are not following the method of verification '' pursuant to FCRA 611 ( a ) ( 7 ). This should include : 1. The name of the courthouse which you verified the information with 2. The name of the person at the courthouse who handled your request 3. The address of the courthouse 4. The telephone number for the Clerk of Court 's office 5. Which document you obtained to verify the bankruptcy. They state that it is verified as accurate but have not provided me any of this information.

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 2022-12-16
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I'm filing this report because I am a victim of fraud. Someone named XXXX XXXX, owner of XXXX XXXX XXXX and The XXXX XXXX has scammed me and many other people claiming he would find us a winning XXXX product within XXXX weeks. I signed a contract and paid him {$30000.00} in XXXX of XXXX to find me a winning product and {$6000.00} in XXXX to get the products manufactured and he still has not provided me with the products or services. I am going to take him to court but I wanted to file a police report and FTC report first. I have all documentation, and emails with communication from him. There is a group of other people he has scammed for {$30000.00} also. I have all of their contact information. I paid this company through wire transfer with my bank Navy Federal Credit Union. I reported the fraud to my bank but I was told it was nothing they can do to help. Below is the scammers business address which is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28
Company: Sequium Asset Solutions, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is outrageous XXXX acct XXXX is making false complaints I was trying to fix this in different ways and keeping taking money for my direct payment bank account at the end I talk with some one to stop this and theyre ended with this complain when I own XXXX Ill go to find out how to stop this swindle or cheat thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: TD BANK US HOLDING COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit 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 asked for a Nordstrom store card in XX/XX/XXXX. In XX/XX/XXXX I ordered 5 pair of XXXX. I was not sent the right jeans and one pair I was charged double price. I was charged for 6 pairs of jeans. I believe that I was but I am unable to read the statements. There are no order numbers and no descriptions and no tax explanations. I ordered 4 items from Nordstrom XXXX Again there is no order number or tax description. The bill can not be read. And the changes were over my calculations. I returned all the items XX/XX/XXXX. USPS delivered 9 items to a Nordstrom in Iowa XX/XX/XXXX. I sent in my store credit card cut into pieces with a request to cancel my account. My online account with the order numbers was erased. I have gone over the returns and account 10 times. My credit bureaus have asked for clarification but there is no order number for the {$93.00}. Nordstrom claims I owe. I understand that Nordstrom doesnt have an accountant. Others have complained about their returns. It appears that there is a scam with returns ; there are no confirmations. I have called 10 times and they have called me names. Liar. Thief. Its an impossible situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was trying to pay my bill online. I had been late on a payment because Im on XXXX leave and havent gotten paid by XXXX. When I pulled up my statements, I noticed that Capital One does not show your past due & current due as separate amounts. It made it extremely hard to find out what amount is past due and can cause you to have a XXXX day late if your payment is not enough. Every other XXXX of my credit card bills shows what was past due and what is currently due on XXXX separate lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: LEXISNEXIS
State: IL
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 15 USC 1681.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I paid {$30.00} on to XXXX XXXX  credit card. Approx XXXX or XXXX XXXX. I saw reversal return to my Chase account. XXXX of {$30.00}. I never told Chase not to pay this. I called XXXX XXXX, they said Chase revoked my payment. My funds were more than sufficient to pay this bill. XXXX then charged me a {$30.00} added fee for payment returned, and added {$9.00} late fee. Chase refused to acknowledge they made a mistake. Chase is responsible to refund me my {$30.00} extra fee. I paid the {$27.00} AND {$30.00} FEE TO XXXX XXXX. On XX/XX/2023. Chase owes me the return fee of {$30.00}. I have spent 2 days, on phone to numerous Chase departments. No help whatsoever. I have filed several complaints to claims AND customer service. Again, no help or resolution or return phone calls, which I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: CITIBANK, N.A.
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:
RE : Citi XXXX The credit card company resolved the dispute in my favor, but only for {$1.00} ( amount of sales tax ). The disputed amount was {$31.00}.

Their letter claims that I " accepted responsibility for the amount of {$29.00} '' WHICH IS NOT TRUE! Why would I do that? 

They obviously know this isn't true and they're playing games.

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint to you to inform you that XXXX and XXXXXXXX XXXX XXXX XXXX has made an error in sending out their statement. These banks were aware of the issue & agreed to update to open/never late. Please update. XXXX XXXX and XXXXXXXX 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 2023-09-29
Company: Experian Information Solutions Inc.
State: IA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2022-12-16
Company: EQUIFAX, INC.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: OH
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 an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: ONLINE Information Services, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2019 Online Information Services added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify their collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, XXXX XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

I have already sent several request for debt validation to Online Information Services, however they remained negligent and did not respond or delete the unverified account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Forster & Garbus LLP
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am being garnished for 6 private student loans that I have already been told by XXXX XXXX and XXXX XXXX that they were not mine, were not collecting and stopped collection all together. XXXX took these loans over, the paperwork from XXXX XXXX obviously did not go to them and trying to deal with XXXX has been nothing but trouble. I sent them a letter, got a response from the office of customer relations and basically, they did not even look into my complaint or take it seriously. The response is attached below, but basically they passed this off on the collection company XXXX XXXX, who said Forster and Garbus has the loan and they don't have anything to do with this. I am getting the run around and being garnished over a loan that is not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX  included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. XXXX XXXX XXXX has two account on one report account number are XXXX and other report account number is XXXX neither accounts are mine

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 2022-12-16
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/XXXX I deposited a check with the amount of XXXX XXXX later that night when I logged in to my account I saw that my checking and savings aren't showing up and I was thinking there is a glitch .so then I waited until the morning and still the amount didn't show up. I call customer service and then they advised me there is a block on my account due to invalid check that I deposited on the amount of XXXX $ and there is nothing she can do. I then called again on the XXXX and asking the rep again what is going on. 
and all this was after I called my friend who wrote me the check I asked my friend to contact the bank to make sure the check is okay. 
my friend called the bank and the bank told her the check is valid and asked citi to contact the bank to verify. 
I called Citibank again and asked the rep to called XXXX XXXX XXXX to verify the check. 
the citi rep called and come back on the phone and told me the check is verified. the citi rep told me he is going to put a note for the back offie to reverence my account closure and removed the block. 
a day later I called again and still my account is blocked with no access to my money. 
they every single rep telling me that my relationship with citi is over and they are no longer servicing me. I have a screenshot of the check on the amount of XXXX $ has been cashed out from my friend account. so how can they do that to me and not giving me access to my account when the check is actually cleared by the other institution also every time I called I've been treated like a criminal. 
I am way beyond frustrated, I've been calling several times asking for a supervisor and no one called me. 
please help me

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