BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-10
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Santander Bank has called over 30 times, even after I called them. The number calling me is XXXX..My phone is 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 2022-05-19
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX. I am a victim of identity theft.

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 2022-05-19
Company: EQUIFAX, 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 XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
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 XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # 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 2016-07-14
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I noticed a fee charged to my best buy credit card as Debt protection. I only use this card for large TV purchases and have the account set up on paperless billing and automatic payments so I rarely view my statements. I contacted Best Buy regarding this charge and that is when I was told that it has been on my account since XX/XX/XXXX when I opened my credit card with them. I advised them at the time when I opened this account that I do n't qualify for this services because I am considered self-employed as an independent contractor and declined the protection. I worked as an independent contractor from XX/XX/XXXX to XX/XX/XXXX. I believe that they falsely enrolled me into a services knowing that I did n't qualify for there benefits and by them enrolling me into paperless billing is an easy way that this charge goes unnoticed. There were numerous months were I did n't have an income since I was an independent contractor and work was slow I was n't given any information that these benefits I am extremely upset that I trusted this company that they would n't steal from me. I have since requested proof of my acceptance of this service and a full refund of all monies charge to my account. It is unclear how much I have been charged over the years since I do n't have access to view older statements online and I have always been enrolled in paperless billing. However if they charged my account without permission I have little faith that they will correct these matter to my satisfaction. If I have too I will seek legal action.

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 monetary relief
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: VA
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 reached out to all 3 credit bureaus about the inaccurate information that's reporting on my credit file. The incorrect information that's reporting is the balance of the loan it should be {$0.00}, the date the loan was opened, high credit limit is incorrect, the past due amount is incorrect and the comments don't match. This loan was charged off and written off on their taxes, by law this is no loner my debt

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 2022-05-19
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been a PayPal user for a while only for me to receive payment on faithful Sunday and PayPal asked for some documents of which I presented but only for me to see that my account has been permanently blocked and my fund held for 180 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
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: Credit inquiries on your report that you don't recognize

Complaint:
I received my credit report and saw Hard Inquiries that I did not approve or authorize to report to my credit I advised the credit bureaus and the creditor of this matter, and they call me a liar I would like these hard Inquiries removed from my credit I sent letters, and No one did any investigation Hard Inquiries : 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 2016-02-23
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Rewards

Complaint:
On or around XXXX of XXXX I was conducting some regular banking at my Citibank branch on XXXX XXXX in New York. The branch manager recommended a credit card to me that call " double cash ''. His sales pitch was that I would receive 1 % cash back on all purchases at the time of purchase AND I would receive 1 % cash back at the time I paid my credit card bill. After six months of using this credit card I had built up, accounrding to my statement, a rewards point balance of approximately XXXX points with a cash value of around XXXX dollars. On or around XXXX of XXXX my card suddenly stopped working. After calling the bank I was told my account had been closed. No reason was provided. When I asked about the XXXX dollars I was owed I was told I was ineligible because the account was closed! This bank should be allowed to close any account they want. That is their right under the agreement. They should, however, be compelled to pay any money owed to me under the agreement.

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 2016-07-08
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/16 I applied for a Citibank Citi Gold Account over the telephone. During the process, I provided a promo code that I received that would award me XXXX XXXX XXXX once certain requirements were met at a specific time. I was informed by the Citibank agent that I qualified for the promotion and that once I completed the requirements, I would get the XXXX XXXX. I 've aleady met the requirements. However, Citibank is denying me the miles as they now claim that I was not " targetted. '' I understand that Citibank records all conversations and that my application over the phone was indeed recorded. I went ahead and opened such account with the promise that I will be awarded miles once I completed their requirements. I did my part, now is up to Citibank to do theirs and honor what they said.

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 2022-05-19
Company: EQUIFAX, INC.
State: CO
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 : specifically, XXXX account XXXX 15 U.S. C1681 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 account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: DISCOVER BANK
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:
Discover has a habit of false advertising. They have refused to resolve a fraudulent monthy recurring charge from someone called " XXXX XXXX XXXX XXXX XXXX  ''. They are fraudulently charging me XXXX each month. 

I have contacted both XXXX and Discover to dispute this and get no help. I have cancelled my card to stop the recurring charge and Discover simply moves it to the new account number. 

This matter goes back several years now. They owe me at least XXXX XXXX  of charges at XXXX per month. 

I have stopped using my Discover card as a result and am giving my business to my other credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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'm accordance with the Fair reporting act XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX 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 XXXXXXXX violated my rights.

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

15 U.S.C 1681 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 2016-02-01
Company: High Point Asset Inc
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
This company has been calling me for the past month asking that I pay {$1100.00} between XXXX " Payday Loans ''. I have never seen these, nor did I take them out. I have only had XXXX Payday Loan that I 've taken out and had past due - I paid this in XXXX and have since contacted that collector for documentation. They advised I file a complaint with the FTC and DA. This new, fraudulent, company is asking for {$510.00} to pay the " original creditor : XXXX XXXX '' for a date of " XXXX/XXXX/XXXX ''. They also want {$640.00} to pay the " original creditor : XXXX XXXX '' for a date of " XXXX/XXXX/XXXX ''. This is FRAUDULENT. I do n't know these companies, nor did I take out what they say are these " Payday Loans ''. I 've had fraud on my identity and my bank accounts over the past few years, this now included. I want them to be looked into and to cease and desist so that they do n't try and con any other people!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: General Motors Financial Company, Inc.
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
GM erroneously applied my XXXX 2015 payment to someone else 's account. GM has assured me this has been corrected, however my credit report indicates it still is not. Credit report should show closed/NEVER LATE on y XXXX Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-11
Company: National Collection Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I sent NCM a letter and asked for a true and certified copy of the original instrument of indebtedness with my original signature. NCM sent me a typed up copy of a lot of numbers of an amount owed with no sign of my signature in sight. I followed up with another letter that 's attached to this complaint and asked them once more to please send me the original indebtedness. NCM refused to do so and sent me another letter stating that they were n't responding to my letters any longer with an updated different balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: IL
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX 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 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. 

Please remove these inquires from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: MARINER FINANCE, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I took a personal loan to help my mother whom required XXXX hour care. Loan amount : XXXX. On XX/XX/XXXX my mother passed. On XX/XX/XXXX, I received unsolicited call from the loan company agents to borrow more money. I replied no. On XX/XX/XXXX, I received an alert stating that XXXX is increasing the balance amount by XXXX. No explanation, no justification. I reached out the same day to Mariner Finance. The person answering replied that they did not do so. Next, I reached to XXXX  to ascertain the root. XXXX states that only the information reported by the lender is admitted.

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 2022-05-19
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, has violated my rights. The date opened, No. of months, last reported, comment, last date active, and date of last payment differ when comparing my XXXX and Equifax consumer reports differ so they're inaccurate. This is also a violation. This account is negatively impacting my ability to secure credit and loans. 

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. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: LJ Ross Associates
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LJ Ross Associates I have sent two letters of verification stating to please validate that these debts belong to me and please also show me the original contract of each debt. I would like to investigate the accounts listed below that the validity of the accounts are correct as well as providing documents with my signature and date and dates of service, that prove the debt is mine. As it states above, if you can not provide these documents to prove the debts are mine, I request that these accounts be removed as well as from the credit bureau in the allotted time. 

LJ Ross Associates have not been able to validate these accounts with the documents I had asked for in the allotted time. I know LJ Ross Associates have received my letters of validation as I have sent the letters as certified mail starting on XX/XX/2022. The amounts are {$10.00}, {$180.00}, {$1000.00} This company has over 100 complaints just for debt with the CFPB. How can this company be trusted? 

This company has also sent medical information that they should not have access to that violates my right to privacy and has violated HIPPA. This needs to be STOPPED!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions 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 XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # 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 2016-01-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I started a XXXX campaign for a friend that was in need and enough funds were raised to help him via this site and WePay. After the funds were delivered there were several charge backs from credit cards ; I believe that once sufficient funds plus extra were raised some decided to cancel their donations. The WePay site said that I owed them money and they were going to collect by auto withdrawing from my account. This morning I was negative in my account. My bank, Chase, allowed this to happen without my permission. I called them and complained severely. Saying that only I, and the Govt. are allowed access to my funds. I need help with this, and/or report them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-19
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation