BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-21
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a debt reported on my credit file that isn't my debt. I spoke with Mr XXXX XXXX at Vance & Huffman in regards to debt, Mr XXXX stated that he would have this removed from my credit and that he submitted a removal on XXXX XXXX but it's still showing a negative impact on my credit. This incorrect reporting has caused my credit score too drop over 40 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I signed up to open a new checking acct with the understanding that I would get a {$300.00} bonus after 180 days and upon having {$2500.00} in qualifying direct deposits within 60 days, which I did comply with. 
I read the print that said I would not be able to qualify for this promotion if I currently had an open acct of if I closed a previous acct within the past 90 days. Neither was true. 
I had an acct that I closed in XXXX of XXXX. I see now on their " promotional '' terms that you will not qualify if you've ever received a bonus before. However that verbiage was not in the fine print when I opened this acct last XXXX. They think because that is their rule now that I fall under that. I dont. That was not the rule in XXXX of XXXX when I opened this acct. Therefore I think I deserve this {$300.00}. I am sick of banks doing their bait and switch tactics. I called the TD bank about this and they are trying to tell me I am not eligible for it. I am eligible for it and I would like it. I have my paperwork from I signed up that shows I am eligible. Please let me know how to proceed..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: HW Holding, Inc
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to send money to another person

Complaint:
We purchased a {$500.00} American Express Serve Prepaid card. I have included the image of the card as it was taken from it's packaging. As shown, the card front is defaced in a seemingly fraudulent way. The front facing account numbers have been covered or removed with an all white paint or remover. I can not use the card online without the 4 security numbers listed on the front. I can check the balance which is still there, however I can not use the card. 

I contacted Serve 9 times, escalated the call successfully 6 of those times and was told the following solutions. 

I was offered to have the card replaced for a {$20.00} dollar mailing fee or wait 10 days for the money I need to prepare for Covid19 Shelter in place. This is highly unusual for this esteemed company, I find the problem lies in the call center. No one will listen to the problem, they want to deflect. 

I was then told that I would not be able to have a card sent to me because it was not registered. I was advised by a supervisor to register my card which I had already explained, can not be registered without a security number ( that which is defaced on this card ). 

I was told that the vendor is responsible, however, the card came in. a sealed package from XXXX in XXXX. I am stuck without fund and ServeAmex has my fund and will not reissue a card. 

Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
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 have attached a a letter from United States bankruptcy Court stating they do not give out info to anyone to verify a bankruptcy and for that reason alone the bankruptcy reported to all three of my credit bureaus needs to be deleted

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 2023-04-24
Company: Experian Information Solutions Inc.
State: NC
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:
Some companies are reporting me as late even though I'm not that's why I need you to look at the attached documents to understand what happened.

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 2019-07-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed several erroneous items on my credit report both online as well as via US mail, however Experian maintains that they will not duplicate an investigation if you have previously disputed these items, however they are wrong and I should not be penalized as a consumer to have erroneous information stay on my credit report because Experian refuses to re-investigate. Additionally, they do not provide a way for consumers to dispute unauthorized inquiries on their own credit report.

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 2022-10-11
Company: Mercedes Benz Financial Services
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In attempts to get the deferral with my current loan figured out every time I called in to communicate with help in regards to my loan they would say if I didnt make a payment they would impact my credit. I did not make the mistake of doing the deferral wrong, I had one representative tell me that I was good till XXXX and the other representatives told me that I did not have a deferral for XXXX and that I had a past due that was going to impact my credit if I did not pay after I told them my financial circumstance. Also after I have been given false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
this is a notice of consumer findings regarding unfair and inaccurate practices. via XXXX XXXX XXXX privacy policy and section 1692e ( 16 ) of the FDCPA. XXXX XXXX XXXX privacy policy implicates and gives false representation as a means in connection with the collection of debt by operating falsely a consumer reporting agency by using nonpublic information and abusive debt collection practices to put my creditworthiness at a competitive disadvantage. it is a violation via 15 USC 1692e ( 16 ) for a debt collector to operate by a consumer reporting agency and give false representation or implications that they are doing so as proof see the privacy policy attached. The consumer reporting agency is in violation of marketing information, unfair and inaccurately backed on the exchange of information that should otherwise be excluded from a consumer report via 15 USC 1681a ( d ) ( 2 ). A consumer report should not include information solely as to transactions, communication of that information, also information that's used as an authorization of an extension of credit by the issuer ( me ) of a credit card.

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 2021-02-08
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
There is a multi-state class action against illegal lending practices. As a customer I'm experiencing problems with loan forgiveness on a car title. I contacted Santander in hopes to get my loan forgiven, or to get it modified. As of today they are charging me XXXX in interest on a XXXX loan. I have already paid off XXXX on the balance. The state of Texas isn't included in the class action, but the state of Louisiana is. Which is where the car was purchased. 
Over XXXX approved by the courts, for settlement payments, and loan forgiveness. 
I have reached out to the Attorney General of my state and the XXXX XXXX who is in charge of the settlement. 
I need help in getting Santander to do the right thing and actually help consumers. 
Over XXXX consumers having the same issue, please refer to the link for more on who other consumers are experiencing. 
Please help us bring light to this situation, instead of letting lawyers take advantage of the funds, and leaving consumers buried in debt with no capable resolution. 
https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Bread Financial Holdings, 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:
So on XX/XX/2023 I called the company at XXXX and I told them that I didnt have an account with them but it shows my credit report and all such.. They were asking me to verify all my regular information and I had to type my social in order for them to see if they can find my account but they couldnt so I got transferred to customer service and I told them my social and when it came to verifying my home address they said it doesnt match what was on file and Ive been living at my house for a couple years now. I said if they could do anything about it but they told me I have to go through transunion to fix it but they are saying information is correct but Ive never heard of this company before or opened a credit card account with them and its really affecting my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-21
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2020, I requested a balance transfer using my PenFed Power Cash Rewards credit card. The payment of {$510.00} went from Penfed to XXXX XXXX XXXX. After I entered my XXXX account number, I was given the option to select the ONLY name that came up after I entered my account number and that was XXXX XXXX XXXX. I selected the name and pressed confirm. I received a message saying the request was submitted successfully. On that day, I performed several balance transfers. I was informed that the balance transfer would take up to 10 days. Every account received their payment within 3-5 days except XXXX. I began to call XXXX credit card, which is under XXXX XXXX, to find out the status of the payment I submitted on XX/XX/XXXX. XXXX/XXXX  XXXX said they never received any payment. I contacted Penfed to inform them that XXXX/XXXX  XXXX  has not received the balance transfer payment. On XX/XX/2020 I had a conference call with a rep from Penfed by the name of XXXX and a supervisor from XXXX/XXXX  XXXX by the name of XXXX ( employee number XXXX ). XXXX explained to XXXX that they needed something stating that my balance transfer to XXXX was rejected so penfed could resend funds. XXXX said there was no payment showing in any of their systems to give Penfed a notice of payment rejection. XXXX from XXXX/XXXX  XXXX explained that when things like that occur XXXX  XXXX has the ability to have that payment sent back to the cardholder ' credit card. 

After the conference call I was under the impression that Penfed would cancel the payment and it would be returned to my credit card. No such thing occurred. I've spoken to multiple people, XXXX, XXXX Asst manager, XXXX XXXX, at Penfed with regards to my missing balance transfer payment. On XX/XX/2020, I spoke to a supervisor by the name of XXXX. He told me that somehow my payment went to XXXX instead of XXXX/XXXX  XXXX. XXXX is XXXX and XXXX XXXX parent company. Penfed has sent several messages to XXXX asking them to resend my payment. They claim they don't have the payment. He said pended 's system is possibly not detecting that something went wrong with the balance transfer payment and they have to wait until it's sent back to my credit card.

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 2021-02-08
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY
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:
At Apple Bank I have a Business account under the name XXXX XXXX XXXX with Apple Bank and I noticed a total of {$450.00} in {$35.00} fees associated with the bank rejecting a charge to my account. I do not have any overdraft on my account and they did not pay the charge but instead put my account in the negative so they can keep charging my account and rejecting charges. The charges were made not using a check but my business debit card. Right now my account is - {$340.00}. They wrongly charged my account incorrect fees. 

I called Apple bank on Friday XX/XX/21 to discuss these fees and spoke to a supervisor who said she would call me back and did not. she also verified that I should not be charged these fees. I called back today Monday XX/XX/21 at XXXX XXXX and stated that I should discuss this with someone at the local branch and I tried to call the local branch and it closed at at XXXX. I feel like I am being given the run around. I would like some help. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 they reported me late to XXXX XXXX and Experian. When the company told me I had a deferral till XXXX on a recorded phone call. I had made phone calls numerous times and stated my financial hardship asking for help when they made the mistake of giving me the wrong deferral date. 
Not only were they giving me a hard time, but I just had a family member passed away on top of the lack of responsibility the took and its completely unprofessional. I first told them I initially had to pay money for my car which is on record at XXXX XXXX. They are illegally reporting a 30 day late payment when I was told other wise. They are in violation of the FCRA and I want it removed immediately. The lack of communication either supervisors and reps at the company is absolutely terrible. They should keep everyones records with proper information so these mistakes do not happen.

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 2023-03-10
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022, on the day called XXXX XXXX and asked them to release my account information for XXXX, so I can use it for other accounts they refused to do that so they can move money around in a ghost account. I am accusing them and I am fearful that they're using this account that I can't get in for illegal activity instead of just releasing my email address so I can put it towards another XXXX account using another bank over the phone after a number of billionaires across the sea in XXXX cut off from the world and a talk show host XXXX XXXX not being able to touch the money she accumulated over the years just because someone does not like her

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: WA
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please be notified that this is now my multiple warning that I fully propose to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Late Date XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I was getting XXXX XXXX during COVID and using the card each month, then suddenly the card did not work. I had a few XXXX dollars on it and I could not then buy food or other life sustaining items, When I approached Bank of America about problem, they said call XXXX XXXX, I did. Unemployment told it was Bank of America. This went back and forth for weeks. I never received my money due me and unemployment did not pay the rest of the money due me because they said the card was closed. I an still out that money due me and I want it. I have written both the Bank of America and XXXX XXXXXXXX 5 times with NO response from either of them. I have no ideas why they just stopped and confiscated the balance in the account, and no one will respond to my letters. Can you please help to get a response to clear this up? I would be very appreciative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: GA
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 consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

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 2021-02-08
Company: BBVA FINANCIAL CORPORATION
State: KS
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX/BBVA USA add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation