BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: SANTANDER HOLDINGS USA, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I spoke with a representative by the name of XXXX on XX/XX/XXXX, who is an employee of Santander Consumer USA. XXXX told me that a letter of suppression was sent to all 3 credit bureaus to stop reporting and delete the charge off from Santander Consumer USA. XXXX said that on XXXX XXXX that Santander Consumer USA credit department had spoken with all 3 credit bureaus verbally to stop reporting and delete the negative information placed on my credit report. XXXX gave me an audit number XXXX to give to the customer service representative with all 3 credit bureaus to confirm the information he had given to me. I asked XXXX multiple times to send me a letter in the mail. He told me that it was not possible for him to do that. I was told that their system is unable to generate any information on my account. They claim that they couldnt send me any form of documentation to verify that I was clear to have the negative remarks removed from my credit report in the mail. Santander Consumer USA charged the account off with IRS in XXXX, and sold the debt to XXXX XXXX in XXXX. Neither companies want to pursue any financial action against me. XXXX representative told me that what they were doing to me was illegal, and they could not deny me of any paperwork to prove that Im clear. I have attached the documents that I sent to all 3 credit bureaus. The credit bureaus are saying that, although I submitted the documents to show that XXXX XXXX is no longer pursuing any actions towards me Santander Consumer USA is still reporting to all 3 credit bureaus on the back end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-04-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please Remove these accounts XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX # XXXX as they were opened fraudulently without a valid written signature of original contract. Therefore validation of debt is not valid and not Liable. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated credit information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: NV
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:
XX/XX/2023 There is a serious delinquency showing on my credit summary report and I am being denied for a new credit card. I have spent two hours calling Experian customer service and they said I have no delinquent accounts. 

On the summary report, it is saying there is a SERIOUS DELINQUENCY which is an error. It also shows one late payment but upon clicking it nothing is late. I have confirmed with multiple Experian phone calls there is nothing late and no serious delinquency. There is nothing to dispute because there are NO actual delinquent accounts. I have spoke to many different departments and they confirmed the error but they said they dont have anywhere to remove it because there is nothing to actually dispute it. No other credit reports have this error. 

I looked everywhere online and dispute the error on my report and there are also no options. 

No one followed up with my dispute or resolved it. I have waited weeks and called multiple times and all they do is transfer me around XX/XX/XXXX sent a certified letter to Experian XX/XX/2023 - dispute closed and says " Your dispute results are currently not available online '' I called Experian and they transferred me around multiple times and said they can not see any late payments on my account and that nothing is showing XX/XX/2023 called Experian again they said there is nothing to dispute. But in my account is still showing. I can still see where it says one late payment and under key factors it says " Number of your accounts that were ever 60 days late or worse or have a derogatory indicator : 1 account ''. 

But they continue to say there is nothing there. But the credit card that denied me still says that there is a delinquent obligation on my account reported form Experian.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
My name is XXXX XXXX XXXX XXXX writing you guys today because there is an inaccurate collection reporting on all 3 credit bureaus the company is XXXX  account number XXXX TransUnion and XXXX both have this account as an open account which is against the law XXXX also is listing this account with past due balance and 120 days which is also a volition I tried to dispute with bureaus they verified the information but clearly this information is not accurate all 3 bureau information does not match and I want this account deleted from my credit report I attached a file so you guys can see that the information does not match on all 3 bureau and that transaction and XXXX are breaking the law by reporting this collection account as open also TransUnion and XXXX have this listed as a collection account with no name or company it just says collection account I would like this account removed asap possible this account reporting inaccurately has caused me a lot of pain and stress

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 2023-04-20
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received a solicitation to open a checking account which promised a {$600.00} bonus after {$5000.00} was deposited into the account and held there for 90 days. The account was opened on XX/XX/2022 with XXXX XXXX at the branch. 

Approximately 2 months later, the account was closed without me being informed and a check was sent to the wrong address, just as the 90 day account bonus was approaching. I never received the check which was fraudulently cashed once again without me being informed. 

Early in XXXX of XXXX I discovered this and initiated a process with the fraud department. It is impossible to actually speak with the fraud department and I have to call the regular customer support line which can not locate the account as it is closed. At this point I have spent countless hours with customer support, where despite me providing all the account information my claim could not be located. The fraud department only communicates through mail which frequently gets lost on their end. I have had multiple assurances from customer support that the claim will be settled as soon as possible. I have made multiple visits to the branch which was the only way to move the process forward with the fraud department. Ive provided all the required information by the fraud department only having to send certain things 3 times because it was never received even though it was XXXX  directly from the branch. At no point was I contacted by anyone to update me on the progress of the claim. 

As Im approaching an XXXX  months mark of opening this account, Im becoming convinced that the bank has multiple deficiencies in account management/tracking, internal controls, customer communication, and fraud processing. Furthermore, it was never explained to me why my account was closed, leading me to believe that the bank was trying to avoid paying the {$600.00} bonus indicating false advertising. 

Despite multiple failures on their part, the bank is still not willing to work with me to return my hard earned money

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 2023-04-20
Company: AMERICAN EXPRESS COMPANY
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:
I am very upset as this has gone in since XXXX and as a very good client for over 32 years Amex should not be putting me all of this headache and stress. 
I gave a Dentist {$20000.00} as he asked to be paid up front .It was a big mistake. 
He gave me an estimated treatment plan showing work to be done totaling {$68000.00} on 1st page but we had agreed on {$42000.00} and he circled that on page 2. 
He said he would give me a detailed correct bill all adding up to the {$42000.00}. 
He never did! 
XX/XX/XXXX I discontinued in writing as I realized he was not a good dentist and unprofessional as the very first and only procedure was a tooth extraction in the front of my mouth and it fell out after 2 days .He cancelled 2 appts to fix it in the next 10 days so I could not work or go out with no tooth in front.. 
After I I cancelled the dentist made up fake and fraudulent charges to try to keep most of my deposit!!! 
I only had XXXX {$250.00} XXXX XXXX  {$1800.00} ( based on his own quote ) and 1 XXXX XXXX {$770.00} total work {$2800.00}. 
He should not even get paid for the temp tooth that fell out but I am paying it. 
That is the only amount he is owed for actual work done. 
Then I had to pay for 2 dentists to see me and write reports that cost me an additional {$1500.00} so I could show Amex my evidence and proof. 
I should not have had to do that and Amex should have believed me considering our history! 
I spoke with Amex as its finally being investigated and on my credit card today there still a balance if {$5100.00}. Amex had credited me the rest but they are still investigating the amount of {$6700.00}. 

The amount that I am still owed after what I owe for work done is {$2200.00}. 
{$5100.00} still on my CC- {$2800.00}. work done to be paid to Dentist Bal. {$2200.00} still owed to me. 
If you have any questions about this you are welcome to have a supervisor call me at XXXX. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-16
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This account was removed. 
Then re inserted in into the XXXX credit reporting agencies. 

Account is statue of limitation. 
Opened on XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Bread Financial Holdings, Inc.
State: CO
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:
XX/XX/2023 I received a statement from Community-XXXX  XXXX 's XXXX with a charge of XXXX as late payment : 1. I did not open this account, I did not purchase anything with this account. I did not receive a statement with any purchases. 2.This is the first mailing I received from this company. 3. The late fee was dated XX/XX/2023. 

XX/XX/2023 I received two credit report activity alert from XXXX Identity Theft Protection, one dated XX/XX/2023 and XX/XX/2023. 

XX/XX/2023 I called XXXX Identity Theft Protection :1. I filed a fraud report. 2. Froze my credit reporting accounts. 3. I'm awaiting a call from a representative to solve this between me and the credit card company. I do not want to contact the company on my own since its defiantly fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent numerous letters to Trans Union credit bureau to dispute inaccurate information on my credit report. The first letter I sent was on XX/XX/XXXX. I included my photo id, social security number, and proof of address. The most recent letter was sent on XX/XX/XXXX, and the bureau has not responded or updated any of the disputed information. Each time I send a letter I wait 30 to 45 days before checking my bureau credit report, so they have enough time to make necessary changes. I do not understand why the credit bureau is refusing to process my request. I know there might be delays at times, and I even tried to give them the benefit of the doubt for that. There is still inaccurate information reporting on my report. I have included a copy of all of the letters I have sent to the credit bureau with this complaint.

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 2023-02-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : 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 explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

In accordance with the Fair Credit Reporting Act SYNCB/QVC has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-07-22
Company: Newport Intermediate Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I got a 2 virtual visa gift card that were issued on XX/XX/2022 from prepaid digital solutions, one for {$25.00} and another for {$73.00}. I tried to use the card several times in XXXX  but both failed. Ive called the company but they were no help as they says the cards have expired, are closed and funds are forfeited. They do have an expiration date of XX/XX/2022 but Ive tried to use them before they were expired and always had trouble.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XX/XX/2023 XXXX XXXX XXXX arbitrarily closed my checking, savings, and credit cards account. I had been a client of 20+ years. 

They did not provide me with an exact reason as to why, though this recent XXXX XXXX XXXX article is the citation I found myself in XXXX XXXX XXXX XXXX As a result of their actions I had to open new checking, savings, and credit card accounts at new banks. 

Also, and more importantly, due to their actions, my credit score has declined from a solid. XXXX  to around XXXX. 

It is now more expensive for me to acquire loans, credit cards, etc. 

I feel my credit score should be restored to its XXXX value.

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 2023-07-23
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2023 I was awarded XXXX from XXXX XXXX XXXX the money then went into my venmo account I've waited since XXXX for this money and I had to take them to arbitration to get it, 4 days later XX/XX/2023 after spending approximately {$1700.00}, and left on a trip to Missouri I stopped for the evening and was going to upgrade my phones after an hour on the phone with XXXX to tell me that my payment was declined, that's when I found out that my account was frozen now I am stranded out here on my way to Missouri no money no food no gas im sleeping in my car and I'm XXXX i have no money and now they're telling me it's going to take XXXX to XXXX  days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: Experian Information Solutions 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:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICED SEVERAL FRAUDULENT ACCOUNTS REPORTING. I HAVE A POLICE REPORT MADE AND IS IN A PDF FORM. 


CFPB Write up In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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