BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victum of ID Theft. I have been working with the 3 Burials. Only XXXX has corrected my profile and removed the fraudulent accounts open bay the thieves. 

I was informed by Transunion and XXXX that any and all corrections / removals to my credit profiles was at the of the creditors regardless that the XXXX deceives and police found that the account where indeed fraud and that ID Theft is in fact case in connection with my profile/ss #. 

Im on the verge of losing my business due to this fraud. My company was closed by NY state due to Corona and SBA has denied my loan because of the fraud making my scores low. 

XXXX and Transunion are not following the law.

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 2021-02-20
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX  and XXXX fios XXXX, experian XXXX points lower, they are reporting incorrect balances on my credit report, will not except online dispute on accounts, wrote them no reply 45 days.

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 2022-08-09
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
In 2014 myself and my Fiance were staying at XXXX XXXX XXXX for an extended period. My Experian credit report shows an amount due of XXXX which is impossible. The reason this is impossible, and you can check yourselves is that XXXX XXXX XXXX is a XXXX / XXXX. You can stay a day, a week, a month or longer, but as with any location such as this you pre-pay meaning if I plan on staying 6 days I pay fot 6 days before I stay. 

We stayed week to week and paid I believe every Thursday. How can I own money? Are they staying I refused to leave for and amount equal to 4 weeks? I recall the cost being {$220.00} per week. The location had electronic locks that could have been de-activated, are they claiming I refused to leave? This amount is pure fraud and has also been reaged since 2014 was the last time I stayed there.

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 2022-07-17
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These companies unfairly and illegally place incorrect items below on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2018-12-18
Company: DISCOVER BANK
State: OR
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 contacted XXXX 4 different times regarding inaccuracy information on my credit report. There are numerous companies reporting inaccurate information to XXXX. Specifically, the inaccurate date of " last payment made. '' I contacted XXXX on XX/XX/2018, by filing a dispute online ( File # XXXX ) and by phone on XX/XX/2018. I again contacted XXXX by filing another dispute on XX/XX/2018 ( File # XXXX ), and sending a certified letter on the same day. All of the results have been the same. They completely ignored my request and corrected the situation by changing the date updated on my credit report for each of the companies I requested the information be corrected. I believe my request is a simple one. I can not believe the total disregard to my requests. The companies reporting this inaccurate information have the burden of proving what they are reporting which they did not do. All that I'm requesting is correct information on my credit report which I am working on improving.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Om XX/XX/XXXX, after receiving a promotional offer from Santander Bank in the U.S. mail, my wife and I opened a joint checking account at the Santander XXXX branch. Santander promised a {$400.00} bonus if we made {$2000.00} in direct deposits to a new checking account within 90 days of opening the account. 
On XX/XX/XXXX, I instructed my XXXX financial advisor, XXXX XXXX, to make a {$2100.00} distribution from my IRA account and directly deposit it to my Santander checking account. Since I am a preferred XXXX client, who is entitled to free wire transfers, XXXX XXXX made the direct deposit by wiring the distribution to my Santander checking account. 
On XX/XX/XXXX, I called Santander 's published telephone number, XXXX, to find out how I would receive the {$400.00} bonus. I spoke to XXXX, who checked my account and said that I have met the requirements for the bonus. She said that no action was required on my part and that after 90 days from the account opening date, the {$400.00} would be credited to my checking account. 
On XX/XX/XXXX, I accessed my Santander checking account online and found that the bonus had not been deposited. I called the branch and spoke to XXXX, who said that a wire transfer is not considered a direct deposit. I explained that it was a distribution from my IRA and that XXXX made the deposit directly from my IRA to my Santander checking account. I told her that XXXX at the XXXX number said that the requirements were met. However, she insisted that my deposit did not meet the requirements. She transferred me to XXXX, the supervisor, who told me that she would appeal my case to the back office. 
Two days later, XXXX informed me that the back office ruled that the {$2100.00} wire transfer made directly from my XXXX IRA to my Santander checking account would not qualify as a direct deposit. Therefore, I would not receive the {$400.00} bonus. 
I would appreciate your assistance in convincing Santander Bank to do the right thing. I requested a direct deposit. XXXX felt it was taking the extra step by making a wire transfer to expedite my deposit. By the way, Santander charged me {$13.00} for an incoming wire transfer. 
I have included the following attachments : A. Letter from XXXX verifying that I requested a direct deposit and that they directly wired {$2100.00} from IRA directly to Santander checking account. 
B. 4 images showing the promotional offer sent to us by Santander. 
Sincerely, 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 2021-07-10
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I opened my citi checking with {$1000.00} and savings with {$1000.00} online with the understanding that {$1500.00} between accounts was required.They have taken over {$500.00} in fees and continue to do so.

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 2019-09-04
Company: Santander Consumer USA Holdings 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 contacted Santander numerous amount of times about them reporting incorrectly. I reached out to the XXXX about them Inaccurately reporting a XX/XX/XXXX payment. They eventually deleted the XX/XX/XXXX late payment. After deleting the late payment they started reporting a XX/XX/XXXX late payment which never showed before on my credit report until they deleted the XX/XX/XXXX late payment. 
As stated before i have reached out to Santander multiple times and they are very rude and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: BlueChip Financial
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The lender has made it known that no help can be rendered to me. They have charged me outrageous interests that increased the principle heavily. {$600.00} was initially borrowed, and on several occasions, I have tried to reduce the principle but to no avail. The interest rates have made it difficult and I am very much fed up at this point. I just want to pay what I owe because the interest rates have been standard practice and I Intend to warn everyone I know about this company to stay away. Here are discord points : XXXX ) Aggressively leveling XXXX withdrawals without notice. 
XXXX ) Lack of communication. Customer service is unresponsive via phone and email requests are extremely slow that when a hold XXXX request is submitted, there is no response, leading to XXXX withdrawal anyways. This causes unexpected charges in the form of bank overdrafts from my financial institution on weeks that I do not receive paychecks when time off is observed XXXX ) Unprofessionalism in this matter. This company aggressively takes on the collection of interests for this loan and does not care for the customer. At this point, it seems I am working for the company 's benefit only. 

Please assist in bridging the gap to help find a lasting solution that is fair for me as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Collection Bureau of the Hudson Valley, Inc.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is for a Cable company called XXXX who made it nearly impossible to cancel. ( i.e. insisting that I call with long wait times, and constatnt disconnects, no chat or online account portal is available to cancel ). I returned my equipment thru their cahannels before a new month was started. I had to secure Support thru their XXXX account and have them close my account. I have the confirmation but they never apparently closed it formally and still continue to send me bills. I appealed to them again to tell them to stop sending bills - that the account was closed... And then today I get a letter from a collection agency. Here is a paste of the whole support conversation that confirmed that the account is closed - and in time to not incur more charges. 

Attached in PDF below is the actual support conversation thru XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
So in XXXX while I was going through XXXX I called to concern about my loans since I'm already in court with XXXX XXXX XXXX due to the circumstance by which my loans were handed out to me and the amount. 


I called Navient asking them for the document of my last phone which the representative told me didn't exist but, that I have now. 


I also inquired with her about my loans and what I could pay.. She stated I would have to pay XXXX or XXXX and that it was the only program I qualified for. Now they approached me after 4 month with a program that I can afford but they hit my credit score each time and never offered it to me prior as if its a tactic to force the customer to pay a fee they don't have. The program I am in is fine now but. I want the full policy on the program and when the program was created and when should it be offered to me. 
They waited to basically financially destroy me ... not realizing that a credit score is required for a decent job and if i don't have a decent job ; then guess what? It puts me at risk of not being able to pay. 

The program I am in now is fine but, they stated that no late fees or interest accrued since i was offered but XX/XX/XXXX I was sent a delinquency notice. When I wrote in during XXXX using this website was the only time they started considering me for the program that fits my financial need and sent me the document for XXXX before that NO one would help so I want to thank the XXXX but, I also want Navient to provide me with the documents of the program and when it was created not just a half of a page explaining the program. Im aware i have a debt but, XXXX XXXX is fully aware of what they did to me my senior year of school causing me not to graduate and having to start from scratch. I built my credit up for Navient to give me no options and choose to destroy it within 4 month only after my credit was destroyed and I wrote in did they choose to actually help me. WHY IS THAT? 

Im happy with my new program but, the treatment, the inaccurate information, and the manipulation is wrong. 

O an then hit my credit score twice for each student loan back to back in XXXX. 
Meaning 6 TIMES in one month. I have 3 loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: DISCOVER BANK
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Discover Card decided to close my account on XX/XX/2020 without giving me notice or a reason other than inactivity on the card for one year. I use the card for emergency purchases and fortunately, haven't had to use it this year. Now I have one - XX/XX/2020 - and was surprised to discover my card was declined. Looking into it, Discover Card had decided to close my account - without notice or my consent. 

Lenders and credit scoring do not like to see short-term lines of credit. This will impact me negatively credit-wise and that I do not have emergency funds right now when I need them. I'm a good, conservative consumer and now I am being penalized by this company for it. 

They also said to reopen I would need to reapply. Another ding on my credit for a credit inquiry and questions from creditors why? I'm not going to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted for proper validation of debt from XXXX XXXX XXXX and this is a final attempt through here. 
Account # : Unknown Amount : {$890.00} To Collection Manager : This letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement and any other supporting document you may have that I have willingly entered into any sort of agreement with XXXX XXXX XXXX and if or where I agreed to have business with you or paperwork contracted for myself, XXXX XXXX XXXX XXXX XXXX XXXX. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. 
Unless XXXX XXXX XXXX can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-04
Company: JPMORGAN CHASE & CO.
State: NV
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:
I contacted Chase Freedom Services concerning errant charges to my card. The first was an accidental charge from XXXX XXXX XXXX services in XX/XX/2021. I had accidentally clicked on a charge for this service and did not realize until it was too late - they charged my account. I had no idea that I had done this. Immediately after recognizing that this was on my account, I immediately went to XXXX XXXX and made sure to cancel the subscription. I subsequently received 2 additional charges from XXXX XXXX XXXX for XXXX and XX/XX/2021. I contacted XXXX directly and they reported that I did not have any subscriptions with them and that I should not be charged. Meanwhile, additional charges in XX/XX/2021 was placed by XXXX XXXX. I didn't realize that was an error, because I maintain a XXXX XXXX service for my cloud storage on a different card/ different account. It did not catch my eye that it was substantially higher than normal. Another charge came in from XXXX XXXX on the same card in XX/XX/2021. I believe that is when I called XXXX directly. I then contacted Chase services in early XXXX when another XXXX XXXX XXXX charge came through. I was asked to cut up the old card and get a new one from the company and formally disputed all of the charges through the Fraud Division. 

Approximately 1 week later, I received a notification that the charges were " determined '' to be valid because someone with the last name XXXX was the authorized user for the charges. I made it very clear that I did not authorize anyone else to use my card or the account. I submitted direct documentation to the Fraud Division showing them my XXXX subscriptions to prove that these were fraudulent and told the card company to not authorize any additional charges from XXXX. 

On XX/XX/2021, they charged me again. 

This is not OK. 

Here are the charges : XXXX XXXX XXXX - XX/XX/2021 - {$11.00} XXXX XXXX XXXX - XX/XX/2021 - {$11.00} XXXX XXXX XXXX - XX/XX/2021 - {$11.00} XXXX XXXX XXXX - XX/XX/2021 - {$11.00} XXXX XXXX XXXX - XX/XX/2021 - {$11.00} XXXX XXXX XXXX - XX/XX/2021 - {$11.00} XXXX XXXX - XX/XX/2021 - {$18.00} XXXX XXXX - XX/XX/2021 - {$13.00} XXXX XXXX XXXX XX/XX/2021 - {$59.00} Phone calls to Chase : XX/XX/2021 - may have been unrelated to fraud charges XX/XX/2021 - 3 phone calls XX/XX/2021 - 2 phone calls XX/XX/2021 Email XX/XX/2021 disputing charges with email documentation. Was informed this could take another 90 days to correct. 

Meanwhile, they allowed XXXX XXXX XXXX to charge my account again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-07
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I paid $ XXXX on my credit cards which paid 1 off. I paid XXXX on XXXX XXXX so XX/XX/XXXX credit score may be improved when applying for a home mortgage. On XX/XX/2018 I phoned the creditors to ask them to make an out of cycle " billing cycle '' update to the 3 credit bureaus ( XXXX, XXXX & Experian ). All but XXXX XXXX would make the updates. Instead, XXXX XXXX sent me a letter outlining the $ XXXX payment and what the new balance was. I faxed this letter to all 3 credit bureaus. XXXX said they never got the fax although I had a confirmation page of the fax being successfully submitted. XXXX  made the update 7 days later so they in fact did get the fax. Experian took the full 30 days to make the update although they said they would expedite the request. During phone conversations with Experian the representatives were inexperienced and unprofessional. On this occasion I asked to speak to a supervisor in the US and he could not find my credit file. 

TransUnion had deleted the XXXX XXXX account which lowered my credit score. It took multiple phone calls to get this information corrected. When working with XXXX  and XXXX  it was difficult to understand the representatives from another country. They too had a difficult time understanding me and my request. I made a total of 15 calls to get one small issue resolved.

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