BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-07
Company: Santander Consumer USA Holdings Inc.
State: GA
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:
on XXXX XXXX i made my march payment to Santander consumer USA. i called and asked them when will my account be considered 30 days late i was informed that the 30th was the last day ( whisch was recorded ). So on that day i went online to make my payment ( where i always make my payments ) & for some reason when i go on line its not showing that a payment was made on that day for some odd reason i beleived it was removed. at that time i was using my XXXX  account to make payments. Prior to making this payment i was in XXXX. On XX/XX/XXXX i tried to use my XXXX card and was notified by XXXX that my account was being used somewhere else when i contacted XXXX i was told that all of my funds have been taking out of my account and that they will have to send me another card. so i immediately signed into my online banking and seen that santander has not yet taken out the payment so immediately contacted santander i spoke with a representative and explained my situation to her i asked her was i going to receive a missed payment she stated that i wasnt because my statement hasnt came out yet i asked her multiple times and still received the same response. A week later i was notified by the credit bureaus ( XXXX, XXXX & XXXX ) that i received a missed payment from santander. I immediately contacted santander and requested that i speak with a supervisor when i spoke with the supervisor she said that she will request that the call be reviewed by the executive team and that i will receive a call within 72 hours if in fact i was told that i wont be receiving a missed payment then my late payment will be reversed ( which was also recorded ). So i called back in 72hours and spoke with a representative named XXXX XXXX i spoke with him about my situation and he put me on hold for 20 minutes just to tell me that he did listen to the call and he know that i was told that i wouldnt receive a missed payment but that was inaccurate so he basically told me that theres nothing that they'll be able to do. I have been with santander for the last 3 years and never had a missed payment or a repossession on my account. please assist me with this i have exhausted all of my options. I will like to get the missed payment reversed the account is now in an active status and has always been.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Resurgent Capital Services L.P.
State: NJ
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:
Collections LVNV Funding LLC Type of Account Debt Buyer Date Opened XX/XX/2022 Amount {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

TransUnion is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 the below mentioned 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: CORELOGIC INC
State: OH
Product: Credit reporting 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:
am seeing unauthorized inquiries 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 explanation
Consumer complaint received 2023-06-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received and email from credit report yesterday ( XX/XX/23 ) say that I have an authorized XXXX XXXX card that's over the limit. But I never applied for a card or received a card from XXXX 's. Which result in a big drop in my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30
Company: CITIBANK, N.A.
State: MD
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:
In XX/XX/XXXX I received information that I may be deploying and I paid all the balance on my Citibank credit card and kept the card, not knowing that they charge me interest after the billing cycle, without communicating with me the charge accrued interest which I didn't know until they reported it as late payment on my credit report on XXXX XXXX. 

When I reached out to the bank, they reversed all the late payment fees, I paid the remaining payment and they decided to close the account which is not fair to me. 

They put the 90 days late payment for the little amount and despite the fact that I already settled the payment and the late payment is not my fault it is the bank that failed to communicate with me that I have payment that is due. 

I will appreciate if the late payment can be remove from my credit report with XXXX and XXXX, I filled dispute with them and they didn't remove it because the bank claimed that it is valid charge, I explained the same to XXXX XXXX and they already removed it That is the only late payment on my report because I always ensure that I make my payments on time

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 2023-11-02
Company: Nelnet, Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My student loans were transferred to XXXX from Nelnet as part of my public service loan forgiveness. The loans were successfully transferred but upon transfer resulted in duplicate reports on my credit report. The same loans appear on my credit report for both Nelnet and XXXX. Essentially doubling the debt owed. Dispute was opened with XXXX but was not settled satisfactorily. Nelnet account shows balance as XXXX however they continue to report the prior balance to the credit bureaus. Loans have long been transferred to XXXX and forgiven and still appear. Dispute did not result in accurate reporting. XXXX was provided statement showing XXXX balance and dept of education statement reflecting XXXX. Nelnet provided outdated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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, Department of Edu XXXX & XXXX XXXX, are duplicated so many times that there's a total of 21 accounts reporting all inaccurately reporting information too. 
XXXX XXXX & XXXX are both past 7 year reporting.

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: JPMORGAN CHASE & CO.
State: CA
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:
Chase bank refuses to reverse a completely fraudulent charge from XXXX that was not authorized by me. I have contacted both Chase and XXXX to solve the matter amicably but they both refuse to reverse the charge that was billed fraudulently. I informed both Chase and XXXX that my computer had been accessed without my knowledge and billed as my XXXX and credit card credentials are saved in my computer. My personal computer had a series of new browser history in which I had not searched, websites I had not visited, and numerous other indications that someone had been using my computer. XXXX is taking advantage of the matter by agreeing that it was a fraudulent charge but keeping the money regardless. 

They stated the following : " My name is XXXX and I work here at XXXX. 

Thank you for reaching out although I'm sorry to hear about this situation. 

We are also unable to intervene when credentials ( ex : device ) and/or accounts are shared, so we are unable to mediate or assist with this dispute. '' Chase Sapphire Preferred has been equally unhelpful stating that XXXX has supplied evidence of the charge : " My IP address, ID, and email '' .... after I had already informed them that all the aforementioned is accessible from my computer as XXXX has a copy of my driver 's licence saved as a verified user and there is a copy of my driver 's licence my computer, my computer was used ( IP address match ), and the login to my email and XXXX is saved and so is my credit card for quick checkout. I have spoken to several representatives who are snarky, condescending, and smug. 

The following is information regarding the fraudulent charge. 

Confirmation code XXXX Total cost {$1900.00} FRI, XX/XX/XXXX MON,XX/XX/XXXXMy card type : Chase Sapphire Preferred If the matter is not resolved I am planing on legal action. I am also filing a police report. I will be closing all accounts with Chase, XXXX, and prompting all of my family members to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: DISCOVER BANK
State: NC
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 have been trying to dispute these Discover Student Loans for a couple years due to them engaging in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights. I have attached my dispute letter from XX/XX/23 for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-06-07
Company: Bursey & Associates, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Back in XXXX My husband got a XXXX Credit Card and I was on account. He was sent to XXXX for XXXX my child. While he was out and going to trial he had taken all Credit Cards and maxed it out at a Balance of XXXX. The bank sold it to a collection agency I never knew the court date so I could go to court and this company got a judgement. I have been extremely low income all these years and This agency keeps taking it to Court tacking on more fees. This debt is now over 10 years old and XXXX dollars. My ex died in XXXX and this company has started trying to garnish me. The only legal thing I am allowed to do is go and get a hardship again. I need help this debt was never mine and they haven't been able to get money because I don't make enough and all it is doing is adding huge interest rate fees at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
These items below do not belong to me or anyone i know. I have tried to fix this myself and have gotten no where. this is keeping me from buying a home XXXX XXXX XXXX Opened XX/XX/XXXX {$140.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$66.00} Original creditor : 01 XXXX XXXX XXXX   XXXX XXXX XXXX Opened XX/XX/XXXX {$640.00} Original creditor : 11 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 2020-02-04
Company: WELLS FARGO & COMPANY
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:
I've recently checked my credit report from XXXX  and I was shocked to see previously deleted fraudulent accounts were reinserted back to my credit file. The XXXX XXXX XXXX ( Acc no : XXXX ) and WF PLL ( Acc no : XXXX ) accounts were disputed and deleted in XX/XX/2019. However, XXXX  reinserted fraudulent accounts without notifying 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 non-monetary relief
Consumer complaint received 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
TRANSUNION HAS SOME INFORMATION ON MY CREDIT REPORT THAT IS NOT MINE, DOES NOT BELONG TO ME AND IS INACCURATE.

TRANSUNION IS IN VIOLATION OF THE ( F.C.R.A ) ( HIPPA ) AND ( FTC ) I DID NOT GIVE TRANSUNION CONSENT TO REPORT THESE INACCURATE ITEM ON MY CREDIT REPORT. 
TRANSUNION DID NOT CONTACT ME FOR VALIDATION OR TO CONFIRM ACCURACY OF THESE ITEMS. 

THE FOLLOWING ITEMS ARE INACCURATE AND NOT MINE : NAMES : XXXX XXXX XXXX-NOT MINE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX -- Never lived there XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FM XXXXNever lived there XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX -- Never lived there XXXX XXXX XXXX XXXX XXXX, FL XXXXNever lived there ACCOUNT THAT ARE NOT MINE : XXXX XXXX  -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX  -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX  -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE INQUIRIES : XXXX XXXX XXXX  -- NOT MINE XXXX XXXX XXXX  -- NOT MINE XXXX XXXX  -- NOT MINE XXXX XXXX XXXX  -- NOT MINE

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 2023-12-04
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hi there The following is the situation I am facing Chase Bank restricted my checking account on XX/XX/. Despite reaching out to customer service multiple times, I have not received a satisfactory explanation for this action. 

According to customer service representatives, the closure was initiated by the bank 's core team, but they are unwilling or unable to disclose the specific reasons behind this decision. I have been informed that an ongoing investigation is being conducted by the core team, yet the duration of this inquiry remains unclear. 

To seek clarity, I visited the bank 's branch, where I was assisted in contacting various customer service numbers provided by Chase Bank. Unfortunately, each call produced different and conflicting information. The Fraud Department claims my funds are held by the Legal Department, but the Legal Department denies having any information about my account.

I already submitted 3 complaints to the Chase Complaint Department during the past two months, but nothing updated and I haven't received my funds yet. 

I appreciate it if you could help me with it, hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
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:
I sent a dispute letter to Experian on XX/XX/15 regarding charges for XXXX XXXX. I was NEVER seen on the dates listed and disputed the charges. The collection company has failed to send documentation signed my ME showing this was me because AGAIN I WAS NEVER there. During the dispute Experian confirms this was verified and this continue to remain on my credit report. This is not correct and need to be removed.

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 2020-10-23
Company: EQUIFAX, 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/2020, I sent a letter regarding inaccurate as unknown hard inquiry 's on my credit report. Since, I have also disputed over the phone. To this day, over 60 days later, I have not been able to have then remove the inquiry 's that are not mine. I feel that I am being taken advantage of and my problem of them not being mine are being ignored. I demand these accounts be deleted or i will file for litigation. My information was also impacted by both the Equifax data breach and XXXX data breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: BMW Financial Services NA, LLC
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 have a loan with BMW FINANCIAL SERVICE and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BMW FINANCIAL SERVICE and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX  and BMW FINANCIAL SERVICE with no successful resolution. XXXX, XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I currently have 1 account open with XXXX. I have a XXXX XXXX XXXX that i opened sometime in XX/XX/2020. When delving into my credit report, I noticed Experian said i had 2 accounts open which then made me inquire why that was. I called XXXX and they noted I only had 1 account with them therefore the error came from Experian hence the complaint. Below, I've attached proof that the other credit bureaus note that i only have 1 account, while Experian says i have 2. This drops my score significantly in contrast to the other scores from the other bureaus because of the utilization that i try and keep between XXXX % before my next statement date. My utilization for Experian is XXXX % because they say I have 2 accounts when I only have 1.

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