BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Identity Theft and Unresolved Collection Account with XXXX Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of significant concern regarding my identity and credit profile. In XX/XX/2020, I fell victim to identity theft, and as a consequence, my personal information was compromised. Since then, I have been diligently working to rectify the aftermath of this incident. 

Among the various challenges I am facing, one specific issue pertains to an unresolved collection account with XXXX. Despite my efforts to dispute the validity of this account, the company has refused to delete it from my credit report. I have attached relevant documentation, including a copy of the police report filed in connection with the identity theft, to support my case. 

The incident of identity theft has had severe implications on my financial standing, and the inclusion of an unjustified collection account on my credit report only exacerbates the situation. I believe that the persistence of this entry is unwarranted, considering the circumstances surrounding the theft and the steps I have taken to rectify the matter. 

I kindly request the Consumer Financial Protection Bureau 's assistance in investigating this matter and facilitating the removal of the XXXX collection account from my credit report. I have made multiple attempts to resolve this issue directly with XXXX through the dispute process, but my efforts have been unsuccessful. 

I trust that your agency, with its commitment to consumer protection, can help bring resolution to this matter. I appreciate your prompt attention to this issue and look forward to a swift and favorable resolution. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I applied for a special promotion rate for a Citibank savings account that offered a 5 % interest rate for 6 months but I have not received the special rate after multiple attempts at resolution with the bank. The history of resolution attempts is as follows : XX/XX/XXXX Received letter from the OCC that the issue was not under their jurisdiction and referred me to CFBP. 

XX/XX/XXXX received case number from OCC email. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed online complaint with the OCC. It will take 2 business days to receive a case number. 

XX/XX/XXXX I called customer service at XXXX. Rep filed a complaint for me. 

XX/XX/XXXX XXXX XXXX left a voicemail. I called her back and left a voicemail. No further outreach by Citibank. 

XX/XX/XXXX I did not receive any further contacts from the bank. I sent XXXX, XXXX XXXX, an email to complain and gave her 1 week to resolve before a formal complaint is filed and move account to another bank. 

XX/XX/XXXX XXXX, XXXX, called to check on how everything was going. I gave her the history of the issue I am having with the savings account promotion and she said she will escalate to her manager who will be back on Monday. 

XX/XX/XXXX : I visited the branch as I did not see new rates yet and XXXX, XXXX XXXX, said it may take 30 calendar days instead due to monthly statement cycle. She has escalated to manager. 

XX/XX/XXXX : I visited the branch as I did not see the new rates and XXXX, XXXX XXXX, stated that it should take 10 calendar days to see new rates. 

XX/XX/XXXX : I Deposited {$25000.00} on top of my existing amount into my savings account. XXXX, XXXX XXXX, said that I needed to deposit {$25000.00} within 10 days to get a special rate

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 2020-12-17
Company: Automated Accounts Management Services
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a mammogram done that was paid for with a grant from XXXX common fund. Then they called me in for a second mammogram because I had aXX/XX/XXXX I was assured this would be paid for through the Grand as well. A few years later I received notice from aams that I had a debt with them. I had never received a bill and did not know I had a bill that went to collection but they told me there was nothing I could do at this point except pay it. So I made payment arrangements and I've been paying them monthly straight from my checking account every month without a missed payment. They show I am late every month on my payment to them. However I have not missed one payment or been late since I found out about this debt. I don't feel this is right as I have been making the payments as agreed every month. This is affecting my credit and making it impossible for me to rebuild my credit so I can buy a house.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Applied for mortgage loan through XXXX XXXX in XX/XX/XXXX, and XXXX XXXX XXXXXXXX XX/XX/XXXX. Both stated they received no scores from XXXX, Experian, and XXXX. In XX/XX/XXXX, I got scores for them when I applied for rental units. So XX/XX/XXXX, I called the bureaus listed, asked why they reported no scores? I was told by customer service representatives they were showing scores for me. They refused to give me the score over the phone, citing I had to pay for it ( {$9.00}, etc. ). I questioned why two different lenders were getting the same result, they claimed not to know and said I needed to have them call the bureau directly. I shouldn't have to pay for my own credit report and submit it to lenders. 

Something does not add 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 2022-01-15
Company: Santander Consumer USA Holdings 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: Personal information incorrect

Complaint:
On XX/XX/XXXX, I signed an auto financing agreement at the dealership XXXX XXXX XXXX La XXXX and the bank Santander Consumer USA for a XXXX XXXX XXXX. 

I payed a {$1500.00} down payment and agreed on paying $ XXXX for XXXX term of 72 months starting XX/XX/XXXX. 

On the XX/XX/XXXX, my car was repossessed from my house with no prior correspondence. After further investigations, I called Santander to inquire if they have the car and they confirm that they repossessed the car due to failure of receiving payments. Santander claims that they do not have any contact information for me except for my phone number. They claim that they called my phone numerous times and sent me several mails. 
I hereby confirm that I have not received any calls from Santander. I also did not receive any mailing correspondence from them, and that after confirming with UPS they had the incorrect mailing address and all mail letter sent were returned to them. They also did not have my email. 
Santander submitted reports to the credit union regarding late payments and repossession of the car, which has severely impacted my credit score, which has decreased from XXXX to XXXX. They also declined my request for installment and request that I submit a full payment of {$24000.00} before XX/XX/XXXX. 

I believe these claims are invalid because of the following : XXXX I did not receive any correspondence from Santander regarding this. 
2- Santander did not have my correct mailing address or my email. 
3- efforts should have been made to contact the dealership to get my correct contact information. 

Additionally, no correspondence until this date has been sent to me to obtain my personal belongings that were in the repossessed car. 
Santander have numerous similar lawsuits and allegations for similar claims that can be found publicly online. Unfortunately, I was the victim of their predatory conduct. I am currently pursing legal actions against Santander. I have no problem in paying the monthly installment as I am a physician and I work at MD XXXX XXXX XXXX. I would appreciate your help in removing these claims as it has severely impacted my credit score and also due to the fact that Santander did not reach me either via email, mail or phone to get the correct credit card number. 
Please feel free to call me at XXXX to discuss further if needed. 

Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions 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:
In accordance to the Fair Reporting Act XXXX  Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have a right to privacy.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been the victim of identity theft so i thought until i tried time after time credit repair after credit repair dispute after dispute to remove items that are not mine and are reporting in correctly. I have attempted for now 2 years to get these items fixed however with no success. I have submitted disputes with transunion, XXXX and XXXX. I have advised them that I have not had any inquiries in the past 8 years so for anything to show up on my credit is false. My last attempt was on XX/XX/2020 i in efforts to dispute the inaccuracies submitted another letter and have yet to hear back from XXXX and XXXX however transunion sent the 4th postcard saying that my documentation can not be used. how is this when its one of the acceptable items to verify my address which is my utility bill. PLEASE HELP

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 2019-04-22
Company: CARD Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I lost my card and reported it lost. I advised the RepresentativeOver the phone my new address and she said that my card would be mailed to XXXX XXXX XXXX in XXXX, GA XXXX. When I called to verify I was told three days later that I needed to send over documentation proving my address. I sent over three documents to from XXXX XXXX and one from XXXX County water Authority. I was advised that neither of those documents were Acceptable. This company is trying to hold my money and not send me a card the documents that I sent over all had my name date and address clearly on all three documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
I am currently on a 60 month hardship program with my Zales account. Under terms of the program, my monthly payments are XXXX a month. The account shows a payment in the amount of XXXX due on XX/XX/XXXX, payments are scheduled out for six months for XXXX each. I believe my monthly payment should show XXXX due, not XXXX. A payment in the amount of XXXX was made as an ACH on XX/XX/XXXX and returned on XX/XX/XXXX, it does not appear that payment went through ... I made another payment in the amount of XXXX as a replacement for this payment on XX/XX/XXXX, I do not see it returned as of yet. There appears to be an error with payments withdrawn from my account, the initial payment was returned the same day on XXXX was assessed on XX/XX/XXXX in the amount of XXXX which is a late fee and on XX/XX/XXXX, a finance charge in the amount of XXXX. Please note, the terms of the program also state there is no interest/finance charge. Needless to say, these fees are questionable as there is an error in withdrawing payments and terms state there is no interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: MRS BPO, LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently started using XXXX XXXX  and noticed an account placed in collections with MRS BPO from the original creditor XXXX XXXX. I closed an account with XXXX XXXX about three and a half years ago. I was never given any final bills or notices about amounts owed other than what I received in my email as I was enrolled in paperless billing. I was NEVER given notice that this account was placed with MRS BPO and only found out about it due to the credit monitoring site. I have no contact information for the company and was not given instructions on how to dispute the debt. I attempted to contact the original account holder ( XXXX XXXX ) and was unable to obtain copies of my former account statements or get any information about the debt. I have no idea what these charges would have been for and was only given a phone number for MRS BPO by the XXXX XXXX agents. They told me to call XXXX to speak with another " department '' about the account. I called the number during the stated business hours and reached a recording stating they were closed and to call back during regular business hours. MRS seems to be a 3rd party debt collector and my credit score has been negatively impacted because of their reporting on a debt that I was never notified about and do not even think is valid. This has been reported as a derogatory account for 5 months and I can not speak with anyone to get it removed/resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: MARINER FINANCE, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I currently have a loan with this company. I monitor my scores on all levels with all 3 agencies because there are lots of weird issues that I have and have tried disputing which companies don't seem to care about the law. I went to refinance this loan and they denied me stating I had an XXXX score of XXXX, which I have never had and I kindly said you must have a mistake. I called XXXX 5 mins later requested my report from them, asked if my score was indeed that low and they said no. The company states they use the vantage 3 scoring model which I can see is and was at XXXX that day. I requested to that companies cooperate number and I notified the customer relations department. I was contacted by a member and she said it was shown as XXXX however weirdly enough thats not the score she sees in her system, and not what shown now. she told me to call the branch I had requested the loan again. I was told by XXXX employee my score was not XXXX that there is no way they would show that if they were simply using the information provided by XXXX XXXX The store assured me they dont use any scorring models of their own, simply XXXX information. XXXX told me to have them run my credit again which they did and another inquirie on my report and they have a score again well below my score. Denied for the loan I dispute the score, I requested a copy of the report they used to make the determination which they denied. There own website has a check your credit score tab which also showed my score to be almost XXXX and they still would not listen to me or provide me any fair information that shows me how they can deny me with a score that wasnt mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2023, I made a payment of the entire account balance prior to the due date of XX/XX/2023. The credit card immediately applies the payment and any potential availability of use of the new credit limit the same day or the following day if made by a certain time that day. Target is not doing so in my situation. They are stating they are placing a hold on my account for which they do not have a valid justification, nor do they do the same to other customers in the same situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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: Public record information inaccurate

Complaint:
In XXXX of XXXX my mother and father, filed a XXXX XXXX  bankruptcy. My mother and fathers finances and mine do not cross in anyway. Their attorney at the time was negligent, and somehow got my credit card into my mother and fathers bankruptcy, because our addresses at the time were the same, we both had XXXX XXXX  cards and the balances were similar. We are still stumped how he saw my credit card without my personal information. The law firm sent a cease and desist letter to XXXX XXXX. Assuming the card was in my parents name. My mother and father are not cosigners or authorized users on my credit card. I now have a petition for a XXXX XXXX bankruptcy on my credit report for my XXXX XXXXXXXX card along with XXXX 30 day late fees, because I was unable to pay my card because of the bankruptcy attorneys cease and desist letter. I did not file for bankruptcy in XX/XX/2021. I have attempted to remove this with XXXX XXXX multiple times my card is now reinstated with XXXX  XXXX and in good standing with them but this error continues to show on my credit report. I have also disputed this with the credit bureaus as well, and it has been denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have told the CRA on multiple occasions that the information they continue to report is incorrect. They have never verified none of the disputes I have submitted to them. I have investigated the accounts myself and found out that they have been reporting the wrong account numbers, ( 2 ) when there in only one account number, the wrong dates, the wrong status and also a third party reporting on behalf of the original company that I had no idea existed. How is this possible? They are wrecking my credit. The copy I have uploaded in the system and also sent to the CRAs listed is the only account I have with US DEPT OF ED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: DISCOVER BANK
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX has had me locked out of my credit report for over a year, they keep lying and saying they will send me a copy, I kept complaining how inaccurate it was on the app so they locked me out of accessing it, I cant even order it online, and when I call they tell me theyre mailing it and dont ... I have excellent credit and anyone who checks it through them denies me and said theyre telling them my score is XXXX ... It isnt ... Every single hard inquiry they have needs wiped because they provided misinformation on them checks and I was denied things I shouldnt have been denied over it and can prove it ... XXXX XXXX sent me a letter telling me they said my score was XXXX and thats why I was denied ... All the other agencies have the right info ... I have asked they fix it over a year now and they still havent ... I have asked for a copy of the corrected report for over a year and they never send it just say they will ... At one point they had almost everything on my report wrong clear to my name spelling and social security number ; and when I sent the copy of the report back with the corrections that needed made hand written in and requested a corrected copy all of this started where they locked me out of viewing my report and refused to send a corrected copy ... I want all the inquiries wiped they provided the wrong information to those companies and I want to see my report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, 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:
Equifax has not removed almost XXXX inquiries. I have enclosed all information in attachment. 

It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Equifax 's databreach, class action & settlement lawsuit, and is available for free, on XX/XX/XXXX

Company response to consumer: Closed with explanation