BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: Denefits LLC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The original debt with Denefits was {$6500.00}. I only had access to the school program for one month and noticed no real curriculum, information and training was not provided. I requested to end my time with the school back in XX/XX/XXXX. Denefits continued charging my bank account months after, even though I no longer had access to the school program curriculum. I've had my bank stop all payments to Denefits. Since XX/XX/XXXX I've received threatening phone calls every single day. They literally won't stop. I receive threatening text messages from new numbers weekly. They have reported negatively on my credit report over 180 which isn't legal. They've threatened to sue and ruin my life. I'm tired of all of this foolishness. Please cease all communications from Denefits unless by mail only..I want all of our communications in writing from this point on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Santander Consumer USA Holdings Inc.
State: CA
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 did not authorize any of these lenders to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Im formally filing a complaint against Bank of America for FINANCIAL CRIMINAL THEFT!. This institution allowed scammers to open a fraudulent account in my name and my business name. The scammers in XXXX stole my check and deposited into a BOA account and withdrew {$43000.00} from a check that belonged to me in the amount of XXXX BOA, risk closure dept, suspected fraud and closed the said account 3 days after the scammers got $ XXXX out. On XX/XX/2023 my parent bank XXXX XXXX, requested the stolen funds be returned back to them. Instead, BOA sends the remaining $ XXXX to THE SCAMMERS ADDRESS IN A CASHIER CHECK ON XX/XX/XXXX, that they also cashed, grossly ignoring XXXX request of a return. I filed a ID FRAUD claim on XX/XX/2023 that BOA approved on XX/XX/2023 that I did not open that account and Im not responsible for the deposit or withdrawals from the account. Then in XXXX BOA, denied XXXX XXXX XXXX claim to return the funds, stating CHASE failed to properly identify the scammers whom they mailed the check to. As if BOA, themselves didnt properly identify the scammers when they allowed the account to be opened in XXXX and sent them $ XXXX after they closed the account and ignored XXXX request to return the funds. Theyre admitting it was my stolen money but its not THEYRE FAULT THEY GAVE IT TO THE SCAMMERS.. Mam/Sir, THIS IS THEFT.. They ASSISTED THE SCAMMERS, both directly and indirectly..Its inexcusable that the appointed analysts assigned to this claim has the audacity to defend BOA handling of my stolen money. BOA, admits to me that Im a victim of identity theft based upon their research and policies BUT, dont believe theyre responsible is pure hideous and outright theft. XXXX has sent over 3 separate requests for reconsiderations that the analysis refuses to respond too. My analysis needs to be properly retrained, charged with a crime and or reprimanded appropriately. BOA supervisor XXXX @ XXXX XX/XX/2023 during a recorded call admitted to me that his company BANK OF AMERICA IS IN FACT RESPONSIBLE, please review that call. Its just outrageous that Im fighting to get my money back for nine months while BOA, gave it away to scammers TWICE! 


Mam/Sir My Desired settlement : An immediate full refund of my money ( {$89000.00} ) and the necessary discipline for the aforementioned employees. 

PLEASE WILL YOU HELP ME GET MY MONEY BACK IM LITERALLY BEGGING YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently Checked my credit report and seen an inaccuracy and in accordance with the fair credit, reporting act, XXXX XXXX XXXX # XXXX has violated my rights and with accordance to15 USC 1681 Section 602 States I have the right to privacy. Also 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Section 15 USC 1666B states A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for and 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 non-monetary relief
Consumer complaint received 2021-05-22
Company: MIDFIRST BANK
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, I opened an account with XXXX and deposited 3 checks, totaling {$1400.00}. 

My decision to open an account with XXXX was made after ending my relationship with my former bank, XXXX. Considering that I had 3 checks to deposit, I selected XXXX as a convenient, online way in which to achieve this. 

The details of each check deposit are as follows : {$1.00} ( check number XXXX ) ; final disbursement of funds from my XXXX account closure {$890.00} ( check number XXXX ) ; payroll check from my employer {$550.00} ( check number XXXX ) ; settlement from at-fault partys insurance company following a vehicle collision. 

I received email notifications that the checks were approved, but my pending account balance did not reflect the deposits I had made. 

On the evening of XX/XX/XXXX, I received an ominous message to explain that a hold had been placed on the funds related to one of the deposits ( the {$1.00} check from XXXX XXXX while XXXX processed my check. As per the attachments below, the message stated that the full amount ( presumably {$1.00} XXXX would be available within five business days. 

I did not receive similar messages that indicated a hold was to be placed on the other two checks. 

On XX/XX/2021, while attempting to check the progress of my deposits, I found myself unable to log into my account online. 

Upon calling XXXX support team, I was told that my account had been closed for business reasons, and that I would receive a check for the balance of my deposits, along with a letter to confirm the accounts closure, in the mail. 

When I attempted to expand on the reasoning behind the accounts closure and request more information regarding the status and location of my money, the representative refused to give me an explanation. 

Upon asking whether the representative/institution could send an email to explain the situation, the representative declined to do so, and did not provide a reason for the banks inability or unwillingness to do this, despite my multiple requests for such during the call. 

I am now in a position where the entire balance of my account is held at the mercy of XXXX unexplained processes and actions, and I fear that my funds have the potential to be subject to theft by this institution.

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 2020-04-02
Company: Midwest Recovery Systems
State: WI
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:
Hello, I checked my credit report in XXXX XXXX on XX/XX/XXXX and noticed a new collections account from Midwest Recovery Systems. I have never received any correspondence from this collection agency, nor have I ever borrowed money from " XXXX '', who is the listed " original creditor. 

It shows that the account went to collections on XX/XX/20 in the amount of {$1000.00}. Again, I have never received any sort of correspondence from Midwest Recovery Systems, nor have I ever received payment from XXXX. Upon looking into this issue, this seems to be a common problem with this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX I applied for a mortgage loan with Rocket Mortgage also known as quicken loans. Spoke with the loan officer the same night who told us ( myself and my partner ) that he didnt think wed qualify based on the information we submitted. Which was not much. He hadnt run credit yet or anything. I told him to take a second look because I had been previously pre qualified by another company. He then says ok please upload tax forms, w-2s etc. and Ill take a look. So we agreed. The next afternoon I went to upload documents and saw that there was ALREADY a denial in my files. He did not call or anything to tell us at all. The denial said was based off credit scores, which mine was in the XXXX and partners was XXXX. Which are not bad scores at all. And also stated excessive debt and we have NO debt. So I really feel he just didnt want to do the work at all. I explained to someone else from the company who reached out to us to follow up for some reason, the whole story of what happened and he could not apologize enough for the whole situation. Said hed take a look into it and see what happened. I received at least 3 calls a day from them after that about how we actually could qualify. But by that time I was insulted and done with the company. I have supporting documentation to include.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I've been a longstanding customer with Wells Fargo between the years of XXXX and XXXX. This is a response to the illegal account activities that Wells Fargo just made a settlement for to pay customers who might have been affected. I am officially filing my complaint. During the time as a customer I've had several issues of overdraft fees and other charges that I disputed. I finally got frustrated and closed the account and XXXX of XXXX. I just recently started another account with them only because I had some hardwood floors that were being financed with the company.

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 2023-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi Sir/Mam, Good Morning.

I have 2 Credit Card accounts with Capital One. 
I had lodged a complaint about the practices of Capital One which was sent to the company on XX/XX/2023. 
This is the previous complaint -> XXXX. 
The company responed on XX/XX/2023 RESPONSE TYPE Closed with monetary relief Company 's Response Please see the attached response. 
MONETARY RELIEF AMOUNT {$25.00} Relief will be paid to my Credit card account in XXXX Statement. 
I left a feedback for that complaint saying the company did not keep up their promise and instead when I called customer service about it they were not willing to look into the reason they company was avoiding what they promised. 

Today is already XX/XX/XXXX and I do not see the promised amount refund. 
Please look into this matter as well asap. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-02
Company: Santander Consumer USA 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:
On XX/XX/2020 I sent written communication SANTANDER CONSUMER USA dated XX/XX/2020, requesting documentation to substantiate information being furnished to the nationalcrediting reporting agencies on account number XXXX. On XX/XX/2020 XX/XX/2020 Isent written communication to SANTANDER CONSUMER USA dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national credit reporting agencies on account number XXXX. These requests were made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. I received NO communication from SANTANDER CONSUMER USA. They did NOT meet the requirements of FCRA 623/FACTA 312. I made a request for them to substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing SANTANDER CONSUMER USA communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires SANTANDER CONSUMER USA to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. SANTANDER CONSUMER USA provided none of the above. SANTANDER CONSUMER USA continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentiallymakes them actionable by criminal complaint. SANTANTER CONSUMER USA has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. Furthermore, I received written communication from SANTANDER CONSUMER USA that they will not change the UNVERIFIED, INACCURATE, and INCOMPLETE information they are reporting to the national credit reporting agencies ( XXXX, XXXX, XXXX, and XXXX ). They are continuing to violate FCRA and conduct illegal practices. The above illegalities were committed via USPS mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Experian Information Solutions 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:
XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED ) XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX Also address and my name is wrong!

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 2022-03-03
Company: Credit Karma, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello my name is XXXX XXXX, Im contacting you all because I dont know what to do I dont know where to start. But I have an account with credit karma money spend and my money keep coming up missing out my account. It has to be an inside Job they wont give me my money back. XXXX 6 times and they are not investigating or doing anything please help ( credit karma money spend )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: DISCOVER BANK
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My discover account is currently closed but i'm still making the required monthly payments. on my credit report discover is currently reporting my account as " consumer disputes- Reinvestigation in progress. I'm not disputing this account and need the disputes to be closed as right now it is impacting my ability to purchase a new house. I never asked for a new investigation and didn't ask for the comment to be put on all my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I submitted a debt validation letter to XXXX XXXX XXXX. This company is reporting on my credit report for a balance of XXXX. I requested they provide me with the original contract and balance for what they are reporting on my credit report but they have not validated anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
date is XX/XX/23 old address and names and my last social on my credit report ..i send them my id a bill with my address and my social ..i send them a letter to delete..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: Capital Recovery Systems, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Last winter in XXXX, I received a parking ticket in the city I live in. The ticket was misplaced so the debt wasnt paid ( original amount was {$30.00} ). I went to the city parking site a few weeks ago to buy a permit and found that I had an outstanding ticket. I had never received a letter nor phone call informing me that the debt was overdue or that it had even been sent to collections. Additionally, I never received any mail or phone calls from the debt collection agency ( Capital Recovery Systems ) informing me of my debt or the possibility of disputing it. I havent had a chance to visit the city office because I am a XXXX XXXX XXXX and the hours they operate are when I am typically in class. Regardless, I had no clue about this debt and there were no attempts to reach out to me to inform me of it. I am not sure if the debt has collected interest or not, and even after I checked out the website of the agency I couldnt do anything to get more information as I needed an invoice number that was supposed to be received when notified of the debt ( which I didnt receive ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XX/XX/2023 I was approved for a Target Red Card in which I applied due to a {$40.00} promotion they were offering on their website XXXX. I got my card in the mail and I was supposed to receive the {$40.00} promotion along with my card. I called and asked why I did not receive the {$40.00} promotion and they said I didn't qualify, because I didn't apply in time. I told them that I clicked on their {$40.00} promotion Ad online and that is why I applied, because of the {$40.00} promotion. After further research and hold time, the target card representative came back and said oh yes you do qualify, I will send it in the mail. I never received it, so I called back a few weeks later and they told me that as a one time courtesy, they mailed the promotion already and would be able to send another one. I told them I never received it, and they said they can not do anything. 
XX/XX/2023, I mailed them a letter to the corporate office which I have documented requesting my promotion. XX/XX/XXXX, they responded that they already sent my coupon within the past 12 months and won't be able to send another one. If I had any concerns to contact the customer service number. I contacted them and spoke to a Supervisor, XXXX who said he only has access to resend the coupon once. I told him everything mentioned above and how it has been such a huge inconvenience in order to get my promotion and he said he can't do anything, so I filed a complaint with him reference # XXXX to be escalated to upper management. I explained that this is a fraud and a scam they should honor their promotion and this is against the law. Its a shame I have to report fraud against a credit card company itself that I am supposed to do business with. Target, a big, well-known, and respected American Retail corporation. What a shame that I have to make such effort as a consumer and spend my time and energy to fight this {$40.00} promotion, but here I am. I will also be filing a report with the California State Attorney General Regulatory Office as well and possibly filing a class action law suit. This is not about the {$40.00} promotion at this point, its about the integrity of Target Corporation in which I no longer feel comfortable doing business with. I feel taken advantage of, scammed and mistreated. Bottom line, this isnt right!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Have been trying to receive a check on a closed account since XX/XX/2023. Have called every single week since -- 16 times. All other mail, all statements, and the letters denying the request to resend the check are received without incident at the XXXX XXXX XXXX XXXX, XXXX FL address -- in fact have received FIVE letters of RESPONSE TO YOUR CONCERN advising to call and update the address. When called, they create an investigation, and promise someone will call back within 24-48 hours. Have never received a return telephone call, but do receive all of their mail aside from the check. There is only one address, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. All other correspondence is received and has been received at that address for several years, it is the only address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation