BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: Aldous & Associates, PLLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020, I spoke with XXXX in Accounting about discontinuing my gym membership after over 20 plus years as a member ; through the 3 gym name changes, and closure of my original gym membership location. XXXX said for they were leaving at XXXXXXXX XXXX. and for me to put in writing that I was cancelling my gym membership and that I could leave the letter at the front desk. 

I left the letter in an envelope addressed to XXXX at the front desk of the XXXX XXXX XXXX location as instructed over the phone by XXXX. 
I also expressed that I did not feel safe coming back to the gym at that time due to the Pandemic and concerns about health and cleaning procedures. 

I also spoke with XXXX to follow-up on my cancellation ; who tried to get me to stay and I said I wanted to cancel. Next, I received a call from XXXX, one of the XXXX XXXX XXXX and I explained my concern about the Pandemic/cleanliness procedures and that I did not feel safe coming back at this time and wanted to cancel my membership. 

Months go by and I get notification from my credit card on file that XXXX XXXX was attempting to collect money from my account ; so I called XXXX XXXX and spoke to XXXX and XXXX again who asked me to submit another cancellation letter ; which I did. 

Next, I get a notification over a year later from an Attorney saying they want me to pay a past due amount of {$190.00} to prevent further collection actions on behalf of XXXX XXXX. 

I have done as asked by both XXXX and XXXX to cancel my membership with no further money being due and was still turned over to their collection company over a year after my cancellation ; almost 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent a dispute to credit bureaus about a collection ( XXXX XXXX XXXX XXXX ) and I have not received a response back or any results. This charge off account is in litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: CCS Financial Services, Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I attempted to close my XXXX XXXX XXXX  account due to XXXX XXXX orders. I was told by an XXXX technician/rep that if I received orders at any point then I would be waived of ALL fees. Ive had services since XXXX, I would have cancelled services years ago, however, I would have been charged, so I waited for my next assignment and orders to reap the benefits. Suddenly, the time came and I proceeded to ensure that I would be waived of ALL fees, again I was reassured so I cancelled services during a stressful time of XXXX  relocation. ( If I knew I would have been charged I would have NEVER cancelled during this time ). I was charged {$1100.00} soon after cancelling. I spoke with countless representatives, often times I would be on hold for over an hour and I also e-mailed XXXX XXXX XXXX, XXXX XXXX XXXX XXXX from XXXX when XXXX never responded again. I continued to argue I should not be held accountable for being mislead by XXXX  technician. I was not made aware of this. I did not authorize this. Im XXXX XXXX and relocate often. I did NOT agree to this. I was told being XXXX XXXX all fees would be % 100 waived. What do I do moving forward? I cant relocate across the country with {$1100.00} garnished from my check. I would have NEVER cancelled service during this time if I knew this. This isnt ethical, its not fair and mistreatment of service members. Fraud, waste and abuse is being conducted by XXXX technicians across the country to make sales. There has to be a way to waive this fee. I shouldnt be held accountable for the misleading sale tactics presented to me., however, nothing was done about it. I brought this issue to my bank and disputed with them on or around XX/XX/XXXX. Finally, on XX/XX/XXXX my bank followed up with the results and concluded my claim/dispute was valid. Now in XXXX, XXXX is sending me mail stating they will send me to collections. I would like to report this issue and end the harassment followed by this company. Please assist! Im currently going through a clearance upgrade and can not afford to be sent to collections by XXXX. Please advise. Thank you so much! Very respectfully, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-09-25
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I checked my credit report with Equifax, XXXX, and XXXX, and they all had an old address as 'current ' ( was over 2 years old ) and all were missing my current employement. I submitted a dispute with each, and one of them did not offer an applicable reason as I tried to dispute my address. I guess income does not impact credit score, which seems weird ( I guess it's up to a loan office to look at income in relation to credit score ), but it still seems like those credit agencies should have more up to date information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Millco Management
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 requted XXXX to remove inaccurate reporting. Sent them copies of the request dated back XXXX with no futher updates from XXXX XXXX I loked at my credit report XXXX inaccurate accounts are still showing. 

XXXX XXXX sent improper validation Financial data ( 2 ) no response to my 30 day demand request XXXX no response to my 30 day demand request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: PNC Bank N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
PNC has withheld funds now for 2 1/2 years. They continue to send me statements and even a new debit card. I have since moved. It does not take three years to investigate an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Mailed the letter to Transunion for their violation pursuant to FCRA 604 - 15 USC 1681b. Permissible purposes of consumer reports. I, XXXX XXXX XXXX XXXX being the original creditor and consumer never gave TRANSUNION any written consent, and no authorization to report anything on my consumer report. No consent is Identity Theft. 

Please see attachment

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 2023-02-16
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I pulled my credit report and I noticed the account XXXX XXXX XXXX XXXXXXXX XXXX. It is listed as a charge off. According to the IRS publication a charge off is a certificate of indebrness. A Charge off is income and you don't report income on a credit report nor did I receive a XXXX from the 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 2022-10-12
Company: OCMBC, Inc
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Loanstream Mortgage services my mortgage. They have been in control of it for 3 payments. This is the fourth payment. 
I have to call every month to make a payment. No one is ever available to take my payment. They say they will take my number and they will call back. They dont call me back. They refuse to send me a mortgage statement. None to date. I dont know how they are applying my payment. 
I have paid additional amounts and who knows what they did with that. Every month its the same thing. No one there can help. One person that answers their phone there can only say uh, uh, uh did you try online payment? Could not answer any question. This company is highly unprofessional. They have a fiduciary responsibility. At this point Im having to mail a check at last minute!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: JPMORGAN CHASE & CO.
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:
I did not authorize the company to rerun my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023, I called Capital One to ask them what date did my grace period end due to a temporary financial hardship that was ending. My payments had not been late and I was calling to discuss when I could pay before their grace period ended. They told me XX/XX/XXXX was the last day. Payment was made on XX/XX/XXXX, yet late payment still showed up on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The title of this misconduct is : Direct Deposit Diversion Fraud. 

In a nut shell, I gave the XXXX XXXX XXXX my direct deposit form, and the money continues to get diverted once it reaches my real account. And I continue to see my personal deposits. Below is what I recently emailed Law Enforcement : Back in XXXX, I found out I was missing out on checks being mailed to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At the same time, several people were picking on my body daily. So, I called the XXXX XXXX XXXX  and told them I'm not the one cashing a penny. I'm the one going through bone and organ theft due to the fact that I'm not receiving the money. FXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX : XXXX. 
Time went on, nobody called me back and money kept getting stolen. Finally, I decided to email the XXXX XXXX XXXX my direct deposit form by XXXX XXXX XXXX  I asked them to please send " all '' that money being disbursed under my social security number, XXXX  straight to my personal checking account because I'm still missing out on every penny. Well the disbursement kicked in XXXX XXXX XXXX {$6000.00}, and that's when Direct Deposit Diversion Fraud kicked in. I've missed out on every penny since XXXX of XXXX. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please have the Bank with XXXX XXXX XXXX recall every penny since XXXX of XXXX. The checks can also get recalled, but I'm filing this complaint on the Direct Deposit Forms. I've reached to XXXX XXXX XXXX XXXX  at least three times since the first Diversion Fraud. Then have them ensure I see every penny I missed out with all future deposits. 

Thanks - 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 2023-11-10
Company: Credit Karma, LLC
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a credit karma savings account. Somehow my information got compromised. Credit Karma froze the account. I have tried several ways to get in contact with this people. Every time i call or chat. They tell me the investigation team will contact me. Has passed several months and no one has reach out to me to close this small account. All i want is for this people to close the account and mail me to the address on file a check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-11
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have did everything in my will by submitting documents asking for validation which I did not receive an answer. I sent multiple letters with no response which under the law this items should be deleted if I did not receive any letter back from this company Chrysler Capital. I have all the letters I sent and receipts for certified mail. I also didn't get a letter of repossession when the vehicle was repossess now I'm asking that you all help me resave and get this deleted off my credit because they did not follow laws and resound to me ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Nordstom/TD Bank is in violation of the FCRA 623. On XX/XX/XXXX, I put them on notice in regard to the errors in their reporting. This letter was sent via USPS priority mail. As of today, XX/XX/XXXX, I have yet to receive a response and the errors are still reported. 

The account with was opened in XXXX. TD Bank does not start reporting of the account 's payment history until the first delinquency event. This means all positive payment history prior to the late payment is not reported. This is a violation of the FCRA as the account must reflect accurate and COMPLETE information. I find it suspicious that the creditor can report any negative history, but for dates on which payments were made on time, it is reported as " no data available '' even if those on-time payments occurred in the same year as late payments. 

Additionally, TD Bank is reporting two accounts that are the same account but have different account numbers. Last week, I spoke to a representative in the credit department that stated that they were the exact same account. The second account is reporting positively to the credit file but is also reporting a balance that I do not owe. This information is inaccurate and despite my calls, and disputes through XXXX as well as my dispute directly to this creditor under FCRA 623, my rights have continued to be violated. 

The creditor had 30 days to respond to my FCRA 623 dispute and failed to do so. The law is clear in that they are required to delete the account under federal law. Clearly, that time has surpassed. I have attached the original letter sent to the address listed in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit card was stolen and maxed out and a loan was taken out of my name, .Here are the two accounts though both credit bureaus have different account numbers. I was told by the credit bureau my accounts were investigate it properly why do I have to different account numbers. Where is my signature signing off on this? 

XXXX. XXXX XXXX XXXX XXXX  Account XXXX {$7400.00} XXXXXXXX XXXX  : Account XXXX {$11000.00} XXXX. XXXX XXXX XXXX Account XXXX. {$7400.00} XXXX XXXX : Account XXXX. {$11000.00}

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 2021-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
Im writing because of an ongoing urgent issue on my Capital One account. I ordered a cashiers check in the amount of {$7100.00} ( posted on XX/XX/21 ). We were tracking XXXX for the delivery and saw that the status of the cashiers check read delivered yet it wasnt at our location. We contacted XXXX and they stated that they will urgently GPS track driver and reach out to him. We also reached out to Capital One and notified the representative on the same day ( XX/XX/21 ), who stated they can not place a stop payment on the check without a notarized affidavit and to instead reach out to XXXX ( which we were already in the process of reaching driver ). So per capital one no stop payment could be done. The XXXX driver on the same day came back to our home with the envelope from Capital One and apologized for the confusion. Please note, per your website delivery of a cashiers check requires signature, however, per your agent, they no longer require this due to covid. 

Finally, we delivered the cashier check to XXXX XXXX for a car purchase. A few days later, XXXX sent us an image of his check coming back as fraudulent/altered. We immediately contacted Capital One who stated a stop was placed on the check at our request ( we did not fill out a notarized affidavit nor were we told this could be done ). We asked the rep to unstop the check ( they stated this has never been done ). They stated they will reach out to their escalation team that can only be reached via email and they will call back in the next few days. We called back numerous times over the next few days with the same response. The car seller, however, could not wait days for a car that we already had so we then had to write a separate check to him. 

Please assist with this urgent issue. We called back and told multiple reps that since we havent heard back from capital one at all to not unstop check and send an affidavit. Last week we were advised this would be sent via email in 3-5 business days yet no email was sent to us. No representatives have been helpful, we have received no help whatsoever for an issue that was a Capital One error. We would like a refund ASAP as this experience has left us with so much stress and an incredibly frustrating experience dealing with lack of care from everyone we have spoken to so far. We have reached out every possible way and the only answer ever given is, " We will have to escalate this and have someone return your call ''. This has never happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-19
Company: National Credit Systems,Inc.
State: MO
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 want to say i have live in the apartment XXXX for over 12 years from government help to being upgraded to a market rate. They have had change in managers and director the last two years i was there due to money stealing and bad conduct. But on XX/XX/XXXX thou XXXX XXXX. i reach out to XXXX/XXXX/XXXX plus natinal credit. 2 creditor have removed and XXXX is refusing. I spoke with Ms XXXX told her why i was disputing debt and sent my proof. I also went to XXXX XXXX spoke with agent who stated she was able to confirm debt due to nothing in system for damages and rent was owe from previous year for two months. I stated if i owe balance which is back rent and no pymt plan was set up and if so why would renew lease and i would be able to stay months after to a current year. I also seen reapir man that showed me apartment and nothing has changed or damaged and i sent thise pictuse to national credit ms . XXXX. Second my son was pick up on mistaken identity and lock up. Just finish school and worked at XXXX XXXX was gone for two weeks. They put camera to monitor area and would give police taoe to show my son just walking into complex at time of crime and nowhere by crime. Someone was killed outside my door. also they gave letter stating how they was gone rebuild patking area and we would have to relocate.. So i moved my family. I have been gone over 2 years why wouldnt if owe i should have been notified sooner. But in order for me to move in home im in i had a walk through so they can see how you live. If that didnt pass and damage of property i would be in home im in now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I started and signed up with frost Brokerage onXX/XX/XXXX. The fraud started that day. I discovered that XXXX XXXX and his family had taken over my financial identity and accounts and had been abusing my brokerages, bank accounts, taxes, loans, business and personal loans, vehicle loans, real estate loans, business buy out assets, XXXX XXXX XXXX trust funds, mutual funds, REIT s, tax refunds, credits, interest payments, beneficiary money due to me, trust account and personal accounts tax fraud, business trust fraud, company security certificate fraud, brokerage fraud, IPO rewards style fraud that the company ran the profits through my tax reporting every year illegally, etc..... 

It has been extremely dangerous and I am scared for my kids and my life here. Please help us. My cell phone is ( XXXX ) XXXX

Company response to consumer: Closed with explanation