BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-09
Company: Santander Consumer USA Holdings Inc.
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On Monday, XX/XX/2021, I overnighted a payoff check to Chrysler Capital for my auto loan account. I received confirmation of signature and delivery that it was delivered on Tuesday, XX/XX/2021 at XXXX XXXX. It's now Monday, XX/XX/2021 and as of today the check has not been cashed and my account is still open. I submitted 3 requests via Chrysler Capital 's inbox feature and they continue to close my cases without doing anything. I called about this five times and was told each time the accounting department would look into this. I still haven't heard back. I called again on XX/XX/2021 and employee number XXXX told me I needed to fax a copy of the front and back of the cashed check. When I told her they had the check and it hasn't been cashed, she continued to repeat herself and then hung up on me. Now they have drafted my account again for another payment, interest continues to accrue and I don't seem to be able to close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Experian Information Solutions Inc.
State: HI
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX 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 2023-06-13
Company: GOLDMAN SACHS BANK USA
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Recently received my card, made some purchases for my XXXX XXXX XXXX XXXX. Received an email that my statement is ready, clicked on the link and attempted to login, said my password was wrong, I tried to reset it and login, no go. After a co8ple of tries it stated my account was locked. I clear my cache and cookiesx and tried again, nothing. I tried another browser, another computer, still the same thing. I called their " customer support '' and the only thing they managed to do was send my XXXX XXXX into XXXX XXXX XXXX  while " XXXX  '' me stating that my account was not locked!!! 

HOW CAN I PAY MY BILL IF I CAN NOT ACCESS THE SITE? 

I also mentioned that I am an American living with XXXX and asked for an agent with XXXX training, and was just met with silence. 

I thought this was a legitimate bank, the discrimination and rudeness I experienced is unacceptable and now they are going to claim I didn't pay and make me out to be a deadbeat when I can't even login?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Colony Brands, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the following information in my credit files under Fair Credit Reporting Act. The items have been on my credit reports for more than XXXX ( XXXX ) years. GINNY 'S INCXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX tell : ( XXXX ) XXXX, Please investigate these matters and delete the disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Reporting act XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Incorrect information used on my consumer 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 2022-11-09
Company: EQUIFAX, 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:
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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the other furnished Lexis Nexis,  XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX Please delete any other versions of my name. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
The following addresses are not mine please delete them they are not accurate : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX  CT, XXXX, OH XXXX XXXX XXXX XXXX  CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have phone number that are not mines please delete they are not mines : ( 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 2021-08-09
Company: STERLING JEWELERS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
So many issues with this account I have been in touch with Jared with whom refers me to XXXX XXXX and XXXX with whom refers me to Jared. My account was enrolled in Covid 19 payment protection for XXXX and XX/XX/XXXX additionally the account was closed and I was passed around from department to department with zero answers then I was advised a change in credit profile during a world pandemic the only changes in question were a result of similar arrangements with other creditors most of which in writing and since corrected due to backlog yet XXXX refused to reopen and fix. I already had an active dispute as sole reason for getting the card was the manager telling me about 0 interest period yet they billed me interest non-stop Then last year in response to Consumer protection inquiry because they breached their covid 19 arrangement with me they fixed all was well until XXXX XX/XX/XXXX now they readded when I again followed up about the interest period. I have this in writing and verbal on a recorded line that this was both agreed to and then subsequently corrected yet now I am dealing with it all over again if they are not corrected I will have to explore all legal remedies.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
Bank of America is not reporting the Date of First Delinquency ( DOFD ) accurately to the credit bureaus. The account is not current but the payment history is inaccurate. The correct date of first delinquency is XX/XX/XXXX. Bank of America is not reporting any first date of delinquency. Multiple attempts have been made to correct this but they are unable or unwilling to correct it. They gave me an account history from XX/XX/XXXX which shows the correct first date of default, but they are not correcting it to the bureaus. The credit bureaus do not accept payment histories.

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 2019-06-07
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Comenity is the credit card company for XXXX XXXX. They are deceptive and I believe criminal in their actions.. We ordered some furniture from XXXX XXXX in XXXX of XXXX and then when they were unable to deliver it for some time we cancelled the order. I must add we had paperless Comenity Statements. In XXXX they sent us a notice of late payment. So in late XX/XX/XXXX I immediately called the credit card company after receiving the late notice and they were great. I explained the situation and they called XXXX XXXX and then they credited the purchase of {$1200.00} along with ALL the interest and late fees. This left a balance of Then when I looked at the XXXX statement I had an interest charge of {$32.00} on a balance of {$170.00} and a purchase of {$47.00} I later saw that they added {$32.00} interest charge. I was extremely busy so I sent them {$300.00} knowing I would deal with this issue when I had time. Finally in XXXX I spent some time to call them and explain the situation and that there was no way there should be a {$32.00} charge in interest on a {$220.00} balance for one month. They said they would put in a dispute and get back to me. Today I called them and was on the phone for over an hour speaking to one employee and then her supervisor. Speaking to the employee today she claims that the interest rate is 28.99 % EVERY MONTH! I told her she was incorrect and that would be illegal. She stood by that ridiculous statement. I asked to be transferred to her supervisor, which I was. He explained to me they were charging me interest on the revolving balance on the returned items because the return credit was not posted until late in XXXX. My point is that they admitted the charge and interest was not valid and that is why it was ALL refunded XX/XX/XXXX, interest, late fee and purchase price. They did that and then charged the interest the next month AFTER the money was refunded because I had a balance of {$220.00} for one month which triggered the revolving balance interest. Remember the first person told me 28.99 % of XXXX when you remove the {$32.00} interest charge. Poor math for someone working for a bank. However, here 's the real kicker, the supervisor said, " you already paid it so there is nothing we can do '' I did explain that I had been busy and I paid it to buy me some time to get to a point where I had time to deal with trying to recoup my lousy XXXX dollars. IT'S CRIMINAL. They should train their people better and they should take better care of their customers. So for {$32.00} dollars I will spend any free time I have and find forums to post my experience. I hope it was worth it for them and I hope you all take notice and boycott Comenity and XXXX XXXX for their association with Comenity. Please also notice complaints flow in almost daily about them. I have a number of cards and never have issues with anyone else. Please avoid them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-09
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Good morning : I notice several inquiries that I have no knowledge of the inquiries consumer report. It seems that these alerts are inquiries. I didnt not give any consent to anyone. Pursuant to 15 U.S.C. 6821 - Privacy protection for customer information of financial institutions. I am allowing no more than 3 business days for this to be removed and cleared up. I dont know what is going on. I am proceeding to litigation if this matter isnt resolved. I am exercising my rights as a consumer and a natural person. I am demanding that this matter is resolved no later than Friday. I am enforcing that remedy in the amount of {$2000.00} is sent to me as to my rights of privacy has been violated. This is insane. Please mail a check in the amount of {$2000.00} due to the fact of my privacy being violated. American Express, XXXX  XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I booked a vacation package with XXXX  XXXX XXXX XXXX on XX/XX/XXXX. I put a deposit of {$300.00} down via PayPal. On XX/XX/XXXX, The XXXX XXXX XXXX went into administration ( bankrupt ) and it is no longer trading as a business. 

PayPal has rejected my claim on the basis that I am out of the time-frame to claim. 

Under the Fair Credit Billing Act it is my right to claim a refund when the service I paid for is not received due to a company 's bankruptcy. 

The time limit for making a claim should start from the date I was expecting to receive the service/trip not from the purchase date, given I was buying something to be delivered in the future. 

In my case this date should be my refund credit note expiry date of XX/XX/XXXX. Alternatively, as I was not able to open a dispute through their system since I was outside of the team limit, they may use the date I found out that I would not receive the trip ( XXXX XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
there are numerous inaccuracies reported on my credit report, including unauthorized hard inquiries, unrecognized accounts as well as incorrect demographic information. I have reported these issues to XXXX, XXXX and Transunion since XX/XX/2021.

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 2018-11-16
Company: SUNTRUST BANKS, INC.
State: GA
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 have been a customer with suntrust for 10 years. I'm trying to open up three disputes on my credit. Every time I call the rep does not know what they are doing. Normally would only take 5 mins or less and dispute form is emailed. The three disputes are XXXX for XXXX. XXXX for XXXX and XXXX for XXXX XXXX. 

One rep wanted me to hold while he reviews 12 months of notes my account. The manager on the phone didn't know how to open a dispute. One woman couldn't understand to save her life she didn't even understand when I asked for a manager what I was saying. The last person even hung up.

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 2019-06-07
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
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: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-08-11
Company: ADP Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was issued a Wisely card through ADP by my employer to receive my wages. 

I was unaware that I was not able to deposit funds onto the card at a local ATM location. 

When I attempted to deposit a sum of {$570.00} in cash to the card, the ATM dispensed a receipt which said " Transaction is not permitted '' but did not return the cash. 

When I reached out to the bank, the branch manager informed me that XXXX must file a dispute and that when the ATM was audited and shown to be {$570.00} over the amount it should, the funds would be returned to me. When I reached out to ADP I was told several times that there is no record of me ever having swiped the car or entered my pin, and that they are unwilling to reach out to the bank branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Receivables Performance Management, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ive paid my past due XXXX XXXX bill in full after agreeing to a for deletion with the collection agency RPM. Ive tried countless time for someone from their company to rectify this matter but no one will hear me out. They purchased this debt in XX/XX/2014 from 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 2018-05-15
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've contacted this company on several occasions to inform them that this account is fraudulent and doesn't belong to me. I've even requested that they properly validate this alleged debt, but I have yet to receive any type of documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2018 I spoke with XXXX XXXX from XXXX XXXX XXXX  via a phone call and she informed me that my bank account would be frozen if I did not pay {$5800.00} concerning an alleged debt to XXXX XXXX. I am an elderly person with a hearing problem living on Social Security and was scared by her conversation.

Company response to consumer: Closed with explanation