BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: SANTANDER HOLDINGS USA, INC.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX I, the consumer applied to # XXXX XXXX for a XXXX XXXX XXXX XXXX in which # XXXX XXXX pulled my credit twice. Both of those consumer transactions I was denied. I am creditworthy, I tried to express that but was still denied. 
I checked my consumer report and seen that Santander Consumer USA Inc. had a hard inquiry which brought my credit score down by 3 points. I wrote a letter to Santander Consumer USA Inc. in which i told them I can not be denied credit because I am creditworthy. I also expressed that because my social security card was used due to the hard inquiries and there was no benefit on my end that could be classified as fraud. ( unauthorized use of a credit card ). I expressed that this caused me mental and physical distress because I have a one year old and we are going through a hardship. I told Santander Consumer USA Inc. that this is discrimination because the Truth In Lending Act and Consumer Law Does not say one can be denied cred only Insurance and employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I was trying to purchase a car so I had an inquiry made on my credit from XXXX XXXX XXXX dealership but then I looked on my credit report and 4 other dealerships had made an inquiry on my credit when I never gave them permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: U.S. BANCORP
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I continue to receive emails from U.S. Bank XXXX I am requested to make a payment to an account ending in XXXX. I contacted U.S. Bank at XXXX and they report I do not have an account however continue to send emails requesting payment. The account belongs to my deceased father 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 2023-12-10
Company: CAINE & WEINER COMPANY, INC.
State: MS
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction, Your Company didnt even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15USC 1602 ( k ), the term adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of the transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors and unfair credit card practices.

From your end, I have not benefited from this transaction which is again a violation of 15 USC 1602 ( g ).

According to 15 USC 1602 ( p ), the term unauthorized use means a use of a credit card by a person other than the cardholder who does not have the actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to DELETE THIS ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15USC1692G ( 4 ). 

XXXX. ) XXXX XXXX XXXX ; Acct. No # XXXX ; Date Opened : XXXX ; XXXX. {$470.00} XXXX. ) Caine & Weiner ; Acct No # XXXX ; Date Opened XXXX ; XXXX. {$480.00} ; XXXX. ) XXXX XXXX XXXX ; Acct No # XXXX ; Date Opened XXXX ; XXXX. {$640.00} ; and XXXX. ) XXXX XXXX XXXX ; Acct No # XXXX ; Date Opened XXXX ; XXXX. {$1400.00}. 

ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME. 
If you accept my request, I will not escalate this matter to Federal Court. In case you dont accept the above request, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX. 

All Rights Reserved Without Recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: MoneyLion Inc.
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I signed up for a membership for XXXX in hope of increasing the amount of money I can borrow and turns out that I lost money to borrow. The plan that they advertise is false and now paying additional money for no reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: WLCC
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I am currently in a program to help with my financial situation XXXX XXXX. They have been able to come to payment agreements with most of my creditors. Explore Credit states theyve never been contacted which they were on XX/XX/XXXX for an agreement and did not answer. I have placed stop to payments by my bank at XXXX and they now are debuting my account via check. Ive called my bank which can not refund me but only file a dispute, and I have numerous times called and emailed Explore Credit to please stop payment. I last spoke to them on XX/XX/23 and was told my upcoming draft would be postponed til XX/XX/23 so I had time to fill out documents to agree on payment with XXXX XXXX and they never sent me the documents nor called me as I was told and still got drafted XX/XX/23 as promised. I called to ask why that was they said they had a technical difficulties. I contacted XXXX XXXX and was asked to reach out to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
This is not the first time Selene finance has tried to predatorios take my home. 

I initially got assistance from a program to help pay the arrears mortgage Selene did not include all of the cost associated with the arrears so the company did not pay everything Selene then increased my mortgage by over {$200.00} saying there was a shortage when I asked them to send that to the company helping me they declined saying they could not. The company helping me needed to know the shortage from Selene finance in order to pay it. In result my mortgage increased and i struggled to pay it .. do to having XXXX  and being Ill i fell behind a bit not more then 2 months behind on I attempted to pay my tmortgage online on XX/XX/XXXX  they took the payment processed it on XX/XX/XXXX  then on XX/XX/XXXX  sent me a certified letter of default I contacted the lender ( Selene finance ) spoke to a rep named XXXX and she stated a payment was made on XX/XX/XXXX  when I asked her about the letter of default she had no answer I was not 3 months behind Selene fianc tried to manipulate situations for those on hard times to their benefit they want to pack on fees and default charges to collect more and more money for already struggling families this should be illegal. I want to file a formal complaint about the way Selene finance does its shady business I know my mortgage was behind 2 months but that was due to # 1 Selene fraudulently withholding pertinent information to a company helping me save my home which in turn caused my mortgage to increase then cause I g yet another hardship of payment then them not posting payments timely to reflect valid payments but holding or either returning payments to then send out default notices to collect then more money fraudulently to then cause more hardship on the family now facing foreclosure Any help on this is greatly appreciated any help reinstating my mortgage is greatly appreciated Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax XXXX. 
XXXX XXXX XXXX. 
XXXX. XXXX, GA XXXX Dear sir, I request that you investigate and rewrite/delete an alert in my account. Your report indicates that an military alert has been on from XX/XX/XXXX of XXXX. However, I do not have any military experience in my life, since I am a XXXX nationality ; therefore, it is impossible to be a military employee of this country. XXXX also has the same issue, and its report has the telephone number, however you do not have it on the report. I request you will provide me why your company indicate in my credit report as a military on duty. And correct the statement written in the credit report to the appropriate content, which reflect me. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: TX
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:
I am sending this to formally submit a follow up complaint regarding an unfortunate incident of identity theft that I have recently experienced, I previously submit a complaint dated XX/XX/XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, I kindly request your assistance in rectifying the discrepancies in my credit report. The specific identity theft incident is documented under Report # XXXX. Enclosed with this communication, you will find the necessary documentation to support the removal of inaccuracies associated with the following items from my credit report : XXXX : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$400.00} XXXX : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX : {$920.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: TX
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:
I am writing to express my deep dissatisfaction and concern regarding the multiple unsuccessful attempts to remove fraudulent items from my credit report. Despite numerous efforts and diligent follow-up, the inaccuracies persist, posing a severe threat to my financial well-being and personal security. 

I initially reported instances of fraud previously, providing comprehensive documentation, including affidavits, police reports, and other necessary information. Since then, I have consistently followed your prescribed dispute resolution procedures, yet the fraudulent entries continue to mar my credit history. 

I have fulfilled all requirements, adhered to the appropriate dispute procedures, and communicated extensively with your representatives. However, the resolution of these fraudulent entries has not been achieved despite multiple attempts. 

I demand an immediate and thorough investigation into these matters. I expect the prompt removal of all fraudulent items from my credit report and a comprehensive update reflecting accurate and verified information. Additionally, I request a detailed written explanation for the persistent presence of these fraudulent entries and the measures being taken to prevent their recurrence. 

These fraudulent items not only compromise my creditworthiness but also expose me to potential financial and identity-related risks. I trust that XXXX Credit Bureaus takes these concerns seriously and is committed to upholding the accuracy and integrity of consumer credit reports. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXXXXXX XXXX Balance : {$530.00} XXXX  XXXX Balance : {XXXX} XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {XXXX} XXXX XXXXXXXX Balance : {XXXX} XXXX XX/XX/2022 XXXX XXXXXXXX XXXX Balance : {XXXX} XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: IL
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: IL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
XXXX. XXXX XXXX, account number XXXX. XXXX. XXXX XXXX XXXX, account number XXXX. XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX account number XXXX, I have sent certified letters to Equifax credit bureau requesting full break down of validity procedures due to these account being illegally reported to my equifax credit report. Ive also requested Equifax do a thorough investigation on these accounts and also to send me originally signed contracts between me and these companies, they havent provided them and its been legally past the statute and timely manner to do so. There are still no proof of these account being mine and there are still inaccuracies reporting on these accounts on my credit profile. Equifax is now part of the litigation including these reported account companies listed above due to clear violations of 15 United States Code 15 ; FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: TX
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 writing to express my ongoing frustration and disappointment concerning the persistent errors in my credit report, specifically related to the reporting of a late open account. Despite multiple attempts to correct this issue, the inaccuracies persist, adversely affecting my creditworthiness and financial standing. 

I initially disputed the late open account, providing all necessary documentation and following the prescribed dispute resolution procedures. Unfortunately, despite my repeated efforts, the correction has not been implemented, and the inaccurate information remains on my credit report. 
An account on my credit report is erroneously marked as having been opened late, despite evidence of a timely and proper account initiation. This misinformation is adversely impacting my credit score and creating a misleading representation of my credit history. 

I understand that errors can occur, but the repeated failure to address and correct this issue after multiple attempts is both frustrating and unacceptable. These inaccuracies are causing tangible harm to my credit profile, affecting my ability to secure favorable financial terms and impacting various aspects of my financial life. 

I hereby request an immediate and thorough investigation into this matter. I insist on the prompt correction of the late open account information on my credit report to reflect the accurate and verified information regarding the account in question. Additionally, I request a detailed written explanation for the continued error and the measures being taken to prevent such issues in the future. 

If necessary, I am prepared to escalate this matter to relevant regulatory authorities to ensure a fair and timely resolution. I believe in the importance of accurate credit reporting for both consumers and creditors, and I trust that Credit Bureaus shares this commitment. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXXXXXX XXXX Balance : {XXXX} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {XXXX} ; XXXX XXXX  Balance : {XXXX}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: CO
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: Problem with personal statement of dispute

Complaint:
I filed arbitration against Equifax and XXXX, and they refused to go to arbitration. I got a notice from the XXXX that they are being kicked out of arbitration due to a pattern of failures to comply with XXXX  policies regarding consumer claims, including not paying arbitration fees. Per the attached correspondence I received from XXXX, XXXX is banning them from arbitration entirely. This is violating my arbitration agreement as well as the Colorado Revised Statutes 5-18-116. The XXXX. specifically provides that XXXX be the forum for arbitration in consumer reporting/ CRA matters. The law does not give me a backup forum to use nor have I heard from Equifax and XXXX 's legal departments to know if they received my demands. Equifax and XXXX are willfully ignoring my rights, breaching their contract, and obstructing my ability to enforce my rights under the legislation that governs them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, 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 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 non-monetary relief