BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-15
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear Sir or Madam : I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 

This item Account paid in Full ; was a Charge-off reported by SANTANDER CONSUMER USA # XXXX is inaccurate and incorrect as you can see on the attached letter dated XXXX/XXXX/XXXX which states : Santander Consumer USA Inc. recognizes the above referenced account as paid in full on XXXX/XXXX/XXXX The information on my credit report is inaccurately stated and reported by Santander Consumer USA, proof of which is the attached letter sent by said bank regarding my account. 

The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the account be removed. 

Enclosed are copies of the later dated XXXX/XXXX/XXXX by Santander Consumer USA details supporting my position. Please investigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX Attachments : - Item Being disputed ( XXXX ) - Item Being disputed ( XXXX ) - Letter by Santander Consumer USA dated XXXX/XXXX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2022-12-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-14
Company: I.Q. DATA INTERNATIONAL, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ID Data International {$390.00} XX/XX/2018 I have no clue about this debt with IQ Data International and it has damaged my credit tremendously. I have tried to contact them several times about this matter. IQ Data International has committed two violations. 

Under Section 807 of the FDCP False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt Under Section 808 of the FDCP 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I noticed some concerning charges on my account- and reported them to the bank they then flagged my account as fraud locked my funds which is over XXXX $ and wont release them said can not give me time frame. Im about to go to the news with this as I can barley support my kids as it and XXXX $ is a lot of money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10
Company: Shellpoint Partners, LLC
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: Problem with personal statement of dispute

Complaint:
XXXX point is reporting me 30-60 days late because of wrong information. 

The company Shellpoint stated they processed my XX/XX/2020 loan payment on XX/XX/2020. 

I made XX/XX/2020 payment to XXXX mortgage company on XX/XX/2020 as my bank statement shows. 

I made my XX/XX/2020 payment on XX/XX/2020 to Shellpoint as my bank records show. 

I was then placed on Forbearance XX/XX/2020. 

Shellpoint Loan History does not reflect the XX/XX/2020 payment. 
What happened to the XX/XX/2020 payment? 

What payment was 30-60 days late? 

Thank you, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, I initiated a transaction in the amount of {$550.00} to a therapist from my PNC Bank Account via the XXXX application embedded within the PNC Bank app. Prior to initiating the transaction, I corresponded with the therapist via email, text message and viewed her website. Upon receiving the payment, she stopped responding to my emails and text messages. I have tried, without success, in getting my money refunded. I received no warning or notice at the time of disbursement that the funds would not protected by consumer protection law or fraud protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I went to the dealership with my own financing, there was no need for them to pull my credit and i did not authorized the to do so. the sales person told me they just need it my social for identity purpose and for only that reason and they were not to pull my credit but they did. I talked to the Finance Manager and he said that it was a soft pull and not to worry, but he liad it was a hard pull and it shows on my Equifax credit report. I believe that this is a wrong way of doing businees and misuse of peoples personal information with out authorization. This business is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, FL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX FIVEPOINT CU XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: MONEY SOURCE, INC., THE
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: Account information incorrect

Complaint:
XXXX is listing my mortgage twice ... .all my credit cards ar enow closing my accounts because it shows false information of me having two mortgages. I want to sue either XXXX or the my mortgage furnisher for damages to my credit score and limits and balances. during corona im already having troubles now this ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Checkr, Inc
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I re applied to XXXX as a driver, due to error on my background check through checkr inc I was denied employment opportunity .since XXXX I been trying to solve the background issues with checkr inc address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Tell. XXXX XXXX XXXX Checkr.com I file multiple dispute, I have not gotten any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
After moving to Oklahoma I received a tax notice from the State of Kentucky stating I received {$1100.00} in unemployment wages due to COVID-19. I was unable to find my Bank of America prepaid debit card after moving so on XX/XX/2021, I began attempting to contact Bank of America in attempt to access the funds on the card. I requested they transfer the funds to my Bank of America credit card card and the Customer Service Representative said she would issue a new card and closed the account of the debit card I could not find. After closing the account, she was unable to process a new card and stated if she had not already closed the other account, she could have transferred to balance to my credit card after all. She advised me the quickest way for me to secure the funds now was to arrange a XXXX XXXX transfer at no cost to me. So, she transferred to me another department for assistance where I remained on hold for an excessively long time and eventually hung up. After multiple calls and repeatedly being placed on hold, I was finally able to speak with someone who arranged a XXXX XXXX transfer and told me within three business days someone would call me with a confirmation number. 

Not hearing from anyone, I finally called Bank of America on XX/XX/2021 and again went through the eternal hold pattern. After hanging up and calling back, I finally got ahold of a woman that informed me the transfer was made six days ago and I only had one more week to pick up the funds. After 310 minutes ( see call details below ) on the phone dealing with Bank of America, I thought it was resolved. Unfortunately, when I picked up the wire transfer, it was for only {$1000.00} ; {$100.00} short. 

I have already spent five hours and 17 minutes trying to receive the funds they could have simply transferred to my credit card ( free of charges ) account only to be shorted on the balance due to me. Subsequently, I am requesting your assistance in receiving the remaining balance of {$100.00}, plus {$270.00} ( my hourly pay rate of XXXX  ) compensation for the more than five hours trying to resolve their XXXX XXXX and not processing the entire amount as stated. Punitive damages should be included in the settlement as it is Bank of America 's dereliction duty to ensure their customers receive customer service in a reasonable timeframe and failing to have properly trained representatives. It is pure and intentional customer neglect. 

Date/Time Contact Minutes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 14 Total time on phone with Bank of America ( not including time for this complaint ) : 310 minutes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Disputed an account on XX/XX/2023 listed by XXXX XXXX  for a debt amount of {$1200.00}. XXXX XXXX has also listed duplicates of the same account but with different balances. Requested an investigation and XXXX XXXX reports the debt as valid with no evidence of investigation. The Fair Debt Collection Practices Act states that debt collectors can not misrepresent : The amount of the debt as this creditor/debt collector has. Requests for explanation of their investigation has gone unanswered. I have experienced damage due to this erroneous listing on 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 2022-10-07
Company: Experian Information Solutions 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:
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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: IL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-25
Company: Experian Information Solutions Inc.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2019-12-14
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
In XXXX, I added my Savings account to my PayPal account to pay a business expense. My PayPal account was supposed to withdraw from existing PayPal funds first, then my credit card, then my Savings account. When I XXXX  out my PayPal account for an XXXX transaction, PayPal immediately withdrew from my Savings account ( which only allows 6 withdrawals a month due to Federal Regulations ). When I was notified of two direct withdraws, I complained to PayPal and then switched my primary payment from my PayPal funds to my credit card. PayPal continued to bill my Savings account directly regardless without my explicit authorization and resulting in my bank charging me an initial {$10.00} transfer fee ( I expect another {$20.00} for the remaining two unauthorized charges ). 

I then tried to remove PayPal 's access from my Savings account on several occasions online, and the service simply won't allow me to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: NJ
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:
in Last fewdays i submitted the request of the following fraudulent items to be removed from the Credit report. EXPERIAN : Bankruptcy XXXX  XXXX Bankruptcy Case Number : XXXX XXXX : Bankruptcy XXXX  XXXX Bankruptcy Case Number : 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 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10
Company: LTD Financial Services, L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2021 LTD FINANCIAL XXXX XXXX XXXX called my daughter on her cell phone he started to tell my daughter that i have a debt and that it needs to be paid he gave he the dollar amount and was telling her that I need to pay the debt. He is calling her everyday and leaving messages but not leaving a phone number. In the messages he address that card information the amount that is owed. I spoke to a XXXX today to explain that this XXXX person has validated my privacy by given a lot of my information to an other person. He panicked and started to say that my daughter address herself as me XXXX and she told him NO SHE DID NOT he did not give her a chance to answer to just started talking. 
i TRIED TO MAKE A RESOLUTION BUT THEY DID NOT AGREE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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