BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-23
Company: Santander Consumer USA Holdings Inc.
State: MA
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:
Santander consumers continues to improperly report past due payment dates to my credit bureau. I have bank records that have the correct information attached. 

Also all past due balances were paid XX/XX/XXXX. On XX/XX/XXXX Santander again reported false information stating that again, the balance was more then 30 days late. 

My due date for payment is the XXXX of each month. The XXXX is 5 days before the due date. 

After several attempts of talking with Santander, my complaints have not been resolved since XXXX of XXXX. 

I am seeking to have the information removed from my reports. And if not done so in a timely manner according to Massachusettss Law, I will file a complaint with the Massachusetts AG office and seek punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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:
This is my NUMEROUS request 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. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX XXXXXXXXBalance : {$17000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$500.00} ; XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXXBalance : {$0.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX ( Original CreditorXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX XXXXalance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MEXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME 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 2020-05-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
When are you going to shut down Experian Boost scam? How can you possibly improve your credit by agreeing to buy a product ( Boost ) from them? A credit rating is supposed to be based on a persons actual experience with the use of credit and nothing else. To compound the problem, I dont think it is any accident that they reduced my credit rating from excellent to fair without the addition of any additional information. Any chance the reduction in my rating was made to induce me to purchase Boost? XXXX consistently reports my credit rating as excellent and approximately 175 points higher than Experian. The Boost scam needs to be stopped ASAP!

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 2019-03-04
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
on XX/XX/XXXX I had accessed my credit report for review. I found that my XXXX XXXX CC ( XXXX  ) was closed in XX/XX/XXXX. Today i called XXXX CC and asked if i can have my account reinstated. I have been a loyal card member with 99 % ontime payments since XX/XX/XXXX and my card was closed d/t inactivity. The initial rep said there was nothing she could do and gave me to supervisor XXXX. XXXX basically stated the same notion. However, she stated that express sends out notifications if accounts are going to be closed and the cardholder has 7 days to respond to the notice. I stated that i did not receive a notice from XXXX. She placed me on hold to verify if a notice was sent. After being on hold for over 10minutes our line was disconnected. 
I then called back and spoke to a different supervisor by the name of XXXX. XXXX stated that XXXX did not send a notice to me in XX/XX/XXXX and that my account is closed d/t inactivity. I tried to explain my long good standing with the company and how in the past 5 years i've had XXXX kids and that was the reason for the inactivity. Additionaly, my husband was XXXX from XX/XX/XXXX-XX/XX/XXXX and i had no opportunity to use the card with children in tow. XXXX stated he can not re-instate my account. 
I had a similar situation with XXXX and they re-opened my account for use on the spot.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a call from this company in late XXXX or early XXXX. I asked them to send me proof of this debt because I was in dispute of the amount they are attempting to collect. Per the rep Im being charged for equipment that has not been returned when I indeed sent the equipment back over 3 years ago. Yesterday on XXXX  I received an alert from the credit bureau that this new debt has been added when I disputed the amount from with the first contact from this company. I have received nothing from this company besides an initial phone call. I called them on XXXX  and spoke to a rep and she acknowledge that there was no verification sent out and she also informed me that there company is not responsible for credit report reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX has placed 2 collections on my credit report, for a medical company in Alaska. I live in Texas, not Alaska. I have disputed this several times with both TransUnion and XXXX, and was told each time that the information has been verified. This is getting frustrating to the point that if I can't find resolution this time, I'll have no other choice but to file suit against them! All I want is for them to use common sense, as I can't be in Texas and in a medical facility in Alaska at the same time! This is severely affecting my ability to access available credit, so I hope you can help, as no one else seems to care what stress this is causing 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 explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-05
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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX ; XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/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 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 had my credit ran today XX/XX/20 because asked for a credit increase on one of my credit cards but I was turned down because apparently there are accounts in negative standing on my credit. I looked through a copy of my credit report and I saw accounts from XXXX, XXXX XXXX XXXX XXXX XXXX that I never opened. I don't know why these accounts are on my credit report or who could have opened them in my name without my permission. I never got anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I do not have any contract or relationship with any of the companies I listed and I did not give them permission to run or view my credit information. I already filed a police report as regarding these suspicious accounts.

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 2018-05-03
Company: Rent Recover, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
COLLECTOR FAILED TO VALIDATE, CEASE COMMUNICATIONS AND IGNORED CEASE AND DESIST ORDERS.. CEASE AND DESIST COLLECTIONS WE ARE DEALING XXXX XXXX XXXX XXXX DIRECTLY! WE ARE CURRENTLY SUING THEM AND ARE IN LITIGATION AND YOU MUST REMOVE ALL CREDIT REPORTING OR YOU WILL BE SUED TOO!!!

Company response to consumer: Untimely response
Consumer complaint received 2023-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed on all of a sudden, I got a email from them in XXXX I changed my direct deposit for my job to another bank account in advance but the check still went thru on that capital one account, I have another reversed payment in that account its XXXX even if Im not supposed to have the other XXXX, I got paid XXXX thats my check and they cant keep it, its been few weeks only 2-3 cases of the 10 cases has been resolved, I had submitted mutilple disputes and they closed and said I was abusing company policy, I called them and they didnt even give me the check money from my job so all the money is just sitting there, simply put I dont want all the money just my check money because thats not suspicious it was a creditable deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX  Balance : {$190.00} XXXX XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX XXXXXXXX Balance : {$120.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04
Company: The Outsource Group, Inc
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : XXXX. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX, MO XXXX I was advised by my attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. You will notice that this was delivered on XX/XX/2019. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been 30 days, and they have NOT replied. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and XXXX has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.

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: 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-05-29
Company: FISERV INC.
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
The IRS signed me up for debit card with no customer service option. There is no agreement for fee terms by me but I am forced to accept as there are no menu options to refused and request a check. IRS site also has no options. The call number is XXXX with Money Network Financial LLC. I called three times to make and attempt to find customer service as mentioned in their acceptance of terms. 

There are hidden terms on cashing money and I do not want this card. There is no option to cancel or refuse the card. 

I'm complaining to my congressman next. 

Forcing commercial terms and fees on taxpayers to receive a government stimulus is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/19, I received a text alert from Capital One Bank, asking me if I had made ( 3 ) transactions at ( 2 ) XXXX XXXX XXXX. I replied " NON '' to the text. 

Then I noticed that on XX/XX/19 the charges from those transactions, appeared on my credit card account. I called Capital One, and asked them if they had disputed the charges with the merchant ( XXXX XXXX ), they claim that they did. And advised me that the card has a chip in it, and was present at the time of the transactions. Will I find that very hard to believe, because the card was in my possession, on that date XX/XX/19. Unless someone was able to get a card mailed to them at a different address. 

The XXXX XXXX XXXX, I called, and requested they check their camera video, and see it it was me, making the purchases on XX/XX/19. But the manager told me that XXXX XXXX Corporate office would have to give the ok, for them to do so. I am sending a request for such in writing to the main office, see what come of that. 
Stores where purchases were made : XXXX XXXX  # XXXX Amounts of Purchases ( 2 at $ XXXXea ) XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX XXXX XXXX # XXXX Amount of Purchase {$500.00} XXXX XXXX XXXX XXXX XXXX , FL XXXX Phone : XXXX I am disappointed in Capital One that hey should ask me to pay, for these charges, being a long time customer, I have never before disputed charges made on my credit card, why would I start now, reason would be that I did not make these charges. I should not be made to pay. for someone else 's fraud. 
Any assistance you can offer it would be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2021-03-05
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: Account information incorrect

Complaint:
XXXX XXXX XXXX original creditor XXXX XXXX should not be reporting to XXXX  ; Experian and XXXX a collection in the amount of {$1300.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please seepage attached from my credit report. ) This account does not belong to me. I have contacted XXXX XXXX multiple times and each representative I speak to informs me that have no customer information under my name and have no record of my ever being a customer. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have also contacted the bureaus to remove this however, I have not been successful.

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 2022-08-05
Company: Experian Information Solutions Inc.
State: IN
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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