BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: SANTANDER HOLDINGS USA, INC.
State: NY
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 am a Consumer/Natural Person. vou SANTANDER CONSUMER USA INC. are a debt collector identified in the Fair Debt Collection Practices Act pursuant to Title 15 USC 1692a ( 6 ). It has come to my attention and understanding that, has violated my rights pursuant to the Fair Debt Collection Practices Act ( FDCPAJ.

Pursuant to Title 15 USC 1692c ( c ), I signed a contract financing a used XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, located XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX on XX/XX/XXXX XXXX Salesman name reads House Sales Rep, Mileage reads XXXX, Serial Number XXXX, stock number XXXX, XXXX Number reads XXXX. I was over charged the financed vehicle and was not informed of my right to rescission. As the primary consumer, in order to move on with processing the purchase of the vehicle I required a co-signer with a down payment that met dealerships requirements in order to drive off the lot, which I provided. 

On the contract given to me, such expenses reads, Finance Contract {$24000.00}, Used Vehicle {$31000.00}, Ext. Warranty N/A, Sales Tax {$2800.00}, Dealers Optional Fee For Processing Application For Registration Ration And/Or Certificate Of Title, And For Securing Special Or Distinctive Plates ( If Applicable ). This Is Not A DMV Fee {$75.00} {$75.00}, Plate Fee {$270.00}, Inspection Fee {$37.00}, XXXX Required Tire Recycling Fee ( {$2.00} Per Tire ) N/A, Total Cash Price {$34000.00}, Deposit N/A, Cash On Delivery {$2000.00}, Customer Rebates N/A, Trade N/A, Pay Off Owned N/A, Total XXXX. I gave a down payment of {$2000.00} cash to cover Downpayment To XXXX XXXX XXXX and my Sales receipt titles XXXX XXXX XXXX. 

I also made monthly payments and my vehicle was repossessed on XX/XX/XXXX and sold for {$22000.00}. Santander consumer is currently billing for {$22000.00}, which is the remaining balance of the sold vehicle with no warnings prior to date repossessed. 

I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. I demand per Title 15 USC 1692c ( c ) that you cease all further communication through ALL and ANY MEDIUM except for communication of remedies for consumer, the consumer and natural person, via MAIL ONLY. Pursuant to Title 15 USC 1692c ( c ) ( 2 ), I am invoking specified remedy as the original creditor and demand the following.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: NY
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:
As of XX/XX/2023 Ive notice this fraudulent account XXXX Amount owed XXXX $ this is a list below of fraudulent inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard InquiryXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Delete this unconfirmed inquiry lacking certified evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act ; XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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 2023-10-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Thursday, XX/XX/2023 I received multiple phone calls from my local Chase bank branch, I picked up and the guy told me that someone was trying to use my debit card in XXXX at a XXXX XXXX, they were trying to purchase a {$300.00} television. He stated that he was able to block the transaction, that he needed me to confirm my ; Name, date of birth and my debit card PIN. I gave him that information because I believed it was the bank and this was the first time someone tried to use my debit card. He called me from the actual phone number the bank uses on XXXX maps. He then told me to dispose of my card, that he would send me a new one that would arrive in XXXX business days but it never did. I went on about my day after and the following day I get a notification from the chase app saying I had less than {$500.00} in my account. I log in and see I'm only left with {$80.00} He took out the money in amounts of {$80.00}, 10 times and {$60.00} 1 time The total amount that was taken out of my account was {$860.00}.

I called my local Chase branch and informed them what had happened, and I went in person because I still wasn't sure what was going on and didn't trust the number any more. I went in and they helped me file a claim, but they did not include all the money that was stolen from my account into the claim.

So I had to call another 2 times to put the other amounts because I really need my money, and I still do.

The first claim was for {$380.00} The second claim was for {$400.00} The third claim was for {$80.00} Just recently my bank granted me with credit while they conducted an investigation, but I feel like it was their fault for not including all the money that was stolen in 1 claim. 
On XX/XX/2023 The bank took back {$380.00} of my credit back because the investigators did not find enough evidence to prove this was actual fraud. 
Today, XX/XX/2023 I get a statement saying that the {$400.00} credited was not determined as fraud and will be staying in my account. 
The {$860.00} that was taken from my account was taken all within 2 days from XX/XX/XXXX through XX/XX/XXXX of 2023. 
So I do not know what they decided that half was actual fraud and the other half was not, if it was all literally taken the same way. 
I've filed a police report, because that is what the bank asked me to do if I still felt like I needed to do something because they can't because they're investigators closed the claim. 
I have a my baby about to be born by the end of this month and I really need all my money, my wife isn't working and this really affected us. 
I've attached the phone calls I received the day the scam started and a a notification saying that the {$400.00} claim credit that I received will be staying in my account. They have not sent me the statement of the {$380.00} that made them decide it was not fraud. 
And still haven't received any news on my {$80.00} claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
In CFPB Complaint ID XXXX, created on XX/XX/23, I described how Wells Fargo took over {$3800.00} out of my checking account without my permission and refuses to tell me why the money was withdrawn from my account. This CFPB case against Wells Fargo is still open and there only response on XX/XX/XXXX is that their response is " in progress ''. Since the {$3800.00} was withdrawn from my checking account against my will on XX/XX/23, I stopped all electronic deposits and manual deposits into the account for fear that Wells would take those funds as well. 

In XXXX, Wells Fargo informed me that they are converting my XXXX Checking account into a different type of account because me no longer having and average daily balance of {$500.00} and having {$500.00} in monthly electronic deposit results in almost {$130.00} in fees. However, the type of checking product, " Everday Checking '', Wells is moving my account to still incurs other types of fees if I don't maintain a minimum balance and volume of transactions.

I believe this is a pressure tactic by Wells to have me close my account before my complaint with the CFPB has been resolved and/or restart making deposits into the account so that they can take those funds as well. I feel that this is a non-transparent and predatory tactic. 

Again, Wells refuses to tell me why the money was taking from my account. Moreover, my only WF product with a balance is my home mortgage and it is in good standing.

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 2023-10-16
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently discovered XXXX accounts reported on my credit report from a creditor Amex that I have no XXXX of. XXXX opened XX/XX/XXXX for the amount of XXXX Another opened on XX/XX/XXXX XXXX Ive never had accounts with this company and Have tried to reach out several times to have this information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Synergetic Communication Inc
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XXXX XXXX in a pre-recorded conversation with XXXX XXXX Services Rep stated that my account was closed as vehicle was sold at a auction in XXXX XXXX, California around XX/XX/XXXX and XXXX XXXX vehicle was sold for {$20000.00}. 
I respectfully requested for a accommondation on my ADA Disability Act under Department of Justice and allow me to trade vehicle for another vehicle that is more affordable and make affordable payments because of financial hardships, Disability and Covi19 Family Pandemic issues. 

I was able to take XXXX XXXX back to the dealership in XXXX, California in XX/XX/XXXX and XXXX Dealership rep checked the XXXX XXXX XXXX Value of the vehicle and it was only {$14000.00} and XXXX XXXX XXXX didn't want to take the offer from the dealership. 

So XXXX XXXX XXXX sent their third party Tow Truck to reposses and recover their vehicle at my place of residence and Sold it at a Auction in XXXX XXXX, California. I had some personal things in the vehicle trunk that I spent about {$200.00} worth of tools, Car jump cables, water cooler and misc.items. I wasn't given opportunity to recover my personal belongings. 

I wasn't allowed as a XXXX XXXX XXXX XXXX XXXX to keep he vehicle and make affordable payments of {$300.00} a month until the Auto Loan is paid as I wasn't able to refinance because of my credit issues during XXXX Pandemic. 

On XXXX XXXX I was directed to Synergetic Communication XXXX XXXXXXXX in XXXX, Idaho, and spoke to a rep Ms.XXXX XXXX and she asked me for my Social Security and Physical Address and contact number information and I respectfully requested for collection company information and a fax number and I was given their information. 
Here is their address Synergetic Communication XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fax number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and third party collection companies has put Derogatory Negatives Remarks of collection and repossesion on my XXXX, XXXX and XXXX 
I am XXXX Lifetime and Retired and my Disability Pension Retirement is protected un der Federal and State Laws and this debt of {$5200.00} is uncollectable as vehicle was sold and XXXX XXXX sold their vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX  My wallet, Id, credit & debit card stolen.My Apple ID and I-phone was compromised they accessed all my personal financial files, emails, existing XXXX XXXX account, electronic wallets, and social security number. XXXX police report XXXX. FTC report XXXX. When I learned they opened an Apple Card in my name, I immediately called Apple to report the fraudulent activity which at that time the balance on the card was close to {$3000.00}. They assure me they closed the account and would investigate further. Two weeks later I received a notification from the Credit Bureau my credit score decreased by XXXX points and the Apple Card is now at {$4800.00}. I called Apple back they apologized the card wasnt closed and it was an error on their part. They still havent removed the information from my credit report and the case remains open to date. Now Im a victim of this banks negligence. Please assist me and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received an email from Wells Fargo saying that a credit card I did not order had been shipped to an address I didnt recognize. I was able to call Wells Fargo and cancel the card before any charges were applied. They informed me that someone was able to add themselves to my account. The fraudulant name and address to receive this card is : XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX, KY My hope is that you'll be able to stop this person from attempting this in the future.

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 2023-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America transfered a charged off account to a collection agency in XX/XX/XXXX. The transfer to the collection agency was NEVER reported to any of the XXXX credit bureaus. Bank of America refuses to report accurate account history. I never consented to have my SSN, date of birth, address, name or account information shared to any company nor was I notified my account had been transfered to collections until I received letters from several collection agencies. 

XXXX disputes were submitted requesting accurate account history be reported and the transfer to collection be reported. As a consumer I have a right to have accurate account history reported. All my disputes are closed citing BOA is reporting accurately but nothing to substantiate a through investigation was completed to close my dispute. 

Providing letters from all the collection agencies my account was sent to, as well as a letter from Bank of America admitting my account was charged off and not accurately reported was never considered. 

I confirmed the issue as " unresolved '' as feedback to my last CFPB complaint which was also ignored. I contacted bank of america by phone and visited the branch. I contacted the collection agencies that sent letters and statements stating my balance was transferred. A security freeze was added to my consumer file. XX/XX/XXXX after I receive a letter from the same company claiming to be the new servicer of my account. Several collection agencies are contacting me about an account that was charged off in XXXX after I had to claim the balance as income on my XXXX. BOA writes of the balance sends me a XXXX then forces me to continue making payments without reporting the account went to collections. Collection agencies must STOP contacting me and STOP submitting credit inquiries for my credit to intentionally harm/damage my credit score.

I provide proof, the inaccurate information is never removed or updated. All attempts to correct Bank of America 's mistakes have been unsuccessful. I have wasted time, money and other resources to get this matter resolved. Companies committing fraud should be held accountable. Hold BOA accountable

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 2023-05-31
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Please note : Phone calls are not permitted in this legal matter. 

On or about XX/XX/XXXX a promissory note in the form of an application was given to CFO XXXX XXXX dba BREAD FINANCIAL HOLDINGS, INC and/or affiliates. 


Upon my research and investigation I have found out that my application and/or agreement were in fact exchanged for federal reserve notes at their local Federal Reserve Bank XXXX XXXX over the counter ( as I pay fees and interest on top of what they took from my estate ) and I was not given full disclosure at the time of paperwork being signed. I am privy to this information and now that I am ; I have a right to my securities that were taken from my estate. 


On XX/XX/XXXX I XXXX, XXXX on behalf of XXXX XXXX gave first notice XXXX XXXX XXXX XXXX that I accept all XXXX XXXX Rights, Interest and Equity owed to XXXX XXXX. Along with my tender/Allonge of payment ( entitled 'LETTER OF INSTRUCTIONS ' ) ; I also accepted and endorsed the negotiable instrument ( bill ) offered to me. 


I have given XXXX XXXX XXXX 5 business days ( per notice ) to respond in writing or to apply the principal 's balance to the principal 's account for setoff I was met with a notice from their organization saying that I sent XXXX XXXX XXXX a cease and desist ; where as you can clearly see in the notices you have ( same notices XXXX XXXX has ) it says to contact me in writing. NOT to cease and desist contact. 


Since then I have sent out 3 notices ( 3 tiers ) totaling 30 days. These notices are clear and concise of what I want them to do. I have performed and expressed myself according to the Federal Reserve Act Section 29 ; and now I am here to properly have XXXX XXXX XXXX and/or BREAD FINANCIAL assessed. 


They're in XXXX of XXXX for inferior performance of their fiduciary duties. At this point they're in the know of this breach and I would consider their actions to be scienter. 


The contract signed had no consideration on their part since they never loaned me any of their own money and/or assets ; instead they exchanged my promissory note ( Which had a cash value equal to the bank loan they Supposedly gave. ) Meaning, I loaned myself the credits they give me on the credit card and am being extorted for extra monthly payments and interest on top of what I have already gave them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX and XXXX XXXX I received multiple statements and phone calls saying I owed a balance of {$1000.00} to Phoenix Financial Services LLC. Digging deeper into this information I found out is was from a medical service back in XXXX. I tracked down where I was seen and gave them my insurance information and it was updated and taken care of on their end. I do not owe the company the original debt came from. I called Phoenix Financial Services and updated them on the situation and they said everything was good and should be updated. XX/XX/XXXX I receive two more letters ( dated XXXX XXXX and XX/XX/XXXX ) from Phoenix Financial stating that I owe them {$1000.00} for the same medical services. I called them on XX/XX/XXXX to find out why I am still getting letters. Thinking all of this was cleared. 

I asked to speak with a manager. Someone higher up and the man I explained my situation to told me I was no longer in their system. That they werent the ones sending me this and it was in error. He couldnt or wouldnt look into why I was still getting billed when I didnt owe them anything. He was rushed and didnt want to talk to me. 

On XX/XX/XXXX I reached out to XXXX XXXX XXXX, XXXX to make sure this debt is no longer owed. 

IT IS NOT. As of today it is at a {$0.00} balance. That balance was updated on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ive been reaching out to XXXX regarding their incorrect reporting to my consumers report. They have yet to cease reporting this inaccurate information. I have no filed a FTC report against the company being that they are committing identity theft. I have not provided XXXX with my consent to Furnish anything on my credit report. I am also in the process of suing for XXXX each violation. I would demand this account be removed from my credit report within 4 days of receiving this complaint

Company response to consumer: Closed with explanation