BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-12
Company: SANTANDER BANK, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
About 6 months ago, I requested to close my account at Santander Bank in XXXX, ny XXXX. Until today, it is still open. I have spoke with banker and they claimed it will be closed. I am still getting statements. If my statement were lost, that is a breach of privacy. I am still getting statements and they still have closed my account. I understand that they arent closing my acct so the banker wont lose credit. But this is wrong and unethical.

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 2021-08-23
Company: BUSEY BANK
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/XXXX I transferred funds from my money market to checking. Busey bank said they do not give receipts for transfers. How can I know the money was put into my checking account? The bank said I could look online. I do not have a computer and do not want to bank online. I believe this a dangerous practice. The clerk finally gave me a handwritten receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
My uncle living in Florida got a call saying that I will be arrested and prosecuted if I do not pay a debt with ace cash express back that I am already working with them with. 
He gave me the phone number which is XXXX and a case number XXXX Im not sure how they got ahold of my uncle or how they found out his phone number when even I dont know his number. 

I called the supposed collector, they asked for my social security number, address, date of birth. 
They told me I need to pay over the phone with a visa or MasterCard right now or schedule automatic payments. If I did not comply I will be arrested and taken to court. 
They then forced me to give a card number and said if the payment does not go through this coming Friday XX/XX/19 then I will have police at my door to arrest me. 

Ive never gotten any paper work, any summons or any notice of debt. Im honestly terrified for my life rn

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Exeter Finance Corp.
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:
Inquires on my credit report thy does not belong to me, I been a victim of identity theft in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: PA
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:
EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS MOREOVER THEY FAILED TO PROVIDE THE INFORMATION ON FILE FOR ALL THE DISPUTED ITEMS PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT

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 2021-08-23
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: Account status incorrect

Complaint:
I have sent in documentation on inaccurate information reporting on my credit report. The bureau has yet to reply or remove the items from my report. The letter was sent in on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, ERC is reporting a collection that is unknown to me, I sent a debt validation letter dated XX/XX/XXXX to the company that was delivered on XX/XX/XXXX. This letter was sent certified mail via USPS with the following tracking number XXXX. The company did not respond to me. I sent another letter certified mail dated XX/XX/XXXX advising that I believe they have violated my rights by failing to verify a debt at my request. This letter was sent using the tracking number XXXX. To date they have not sent any information to me yet this debt is still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Winklevoss Exchange LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have open up an account with Gemini to withdraw funds from a recent art sales. They have all off the information and my funds yet I can not get through to that at all no matter what method of communication I use

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/XXXX a merchant fraudulently charged Bank of America my credit card for unapproved services in the amount of amount of {$11000.00}. I immediately alerted Bank of America regarding the transaction which followed a series of back and forth investigation.

Since then the issue remains unresolved despite efforts on my part to get the matter resolved fairly.

Instead of investigation the matter, Bank of America unilaterally started reporting my account to the credit agencies for default on payments despite the fact that i continued to contact the company and share documents related to the dispute. All this time, i continued to make minimum payments on legitimate balances that i felt i should have been paying pending the dispute resolution. 
Other than the disputed transaction, I have had no any other credit issues on record. But the action by Bank of America has has had the greatest impact on my then excellent credit rating, causing denial of credit and loan applications The bank is now claiming that because of the default they have closed the account and that they are going to charge off the account at the end of 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 monetary relief
Consumer complaint received 2018-03-12
Company: AMERICAN EXPRESS COMPANY
State: CO
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 rewards from credit card

Complaint:
On or about XX/XX/XXXX I purchased onlinetwo XXXX tickets from XXXX  to XXXX on Delta airline. At that time while I was online, I was offered a XXXX mile Delta air miles bonus and cash bonus upon use of the card to purchase an approximate {$1000.00} over a specified period of time. I applied for this card, and was immediately notified of my acceptance for this offer. I received the card in the mail on or before XX/XX/XXXX, and called and activated the card on XX/XX/XXXX. Following this activation process, I asked for a confirmation of the mileage offer which I had applied for in XX/XX/XXXX. The representative indicatedl that There was no mileage bonus for this card because I had previously had an XXXX   Delta card. I then requested that they cancel the card and provide me with an email confirmation of the cancellation. They indicated that they would only notify me via mail of the cancellation.

I contend that XXXX   Delta failed to honor their online offer made to me, and as a result I have cancelled a credit card which will adversely affect my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
To whom it may concern, Under 15 U.S 1681b- Permissible purposes of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave TransUnion any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this dispute letter.

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 2021-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery added a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Portfolio Recovery has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Consumer Portfolio Services, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
My husband and I purchased a XXXX XXXX XXXX XXXX  from XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX, XXXX on XX/XX/XXXX. We financed the car through a company that we thought was a banking institute. When we got behind on the payment and contacted the office, the recording stated they were a debt collection agency. We questioned them on several occasions on how were we able to get a loan from them if they are a debt collection agency, everytime the rep stated they are not a collection agency. I feel we signed the contract under false pretense with the sales rep, due to we were told the banking institution that was financing our vehicle, isn't a bank but a Collection Agency name Consumer Portfolio Services , Inc, XXXX XXXX XXXX, XXXX, CA XXXX, XXXX, the local office near me is XXXX XXXX XXXX, XXXX, VA XXXX. Per the Federal Trade Commission in XXXX the company had to pay XXXX XXXX back to consumers for falsifying information, which was done to my husband and I. We were told that if we couldn't pay our loan balance off by the end of our matured date that we keep making payments, but they spoke to my father in law on XX/XX/XXXX and stated that they could repossess my vehicle at anytime even though we're making payments. I truly believe my husband and I were scammed into using this company because we really needed a vehicle for our family. I would like for this company to investigated, because the amount of money we paid to get up over the years and it seemed like the balance never changed, which is know is against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
On XX/XX/2020, I attempted to place a security freeze on my report with Experian online. I received an error message after I inputted my information. It told me to mail copies of documents and my personal information to a PO box .

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 2020-10-09
Company: Berlin-Wheeler, Inc. (Kansas)
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AS I TOLD XXXX THIS WAS OPEN USING MY ID AND NEVER ORDERED XXXX ALSO, STOP ROBO CALLING MY FAMILY WE NOW HAVE 17 CALLS TAPED AS WELL AS SCREEN SHOTS.FINALLY GET OFF MY CREDIT REPORTS OR SUED.

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 2021-08-23
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX, four accounts were fraudulently opened at Sun Trust using my social security number, Dob, and address. Contrary to the information on your website, Sun Trust has refused to furnish copies of the applications used to open these accounts. I need this information to provide to the XXXX XXXX XXXX Police who are investigating this problem. My Case number with Sun Trust is XXXX XXXX. Sun Trust continues to tell me that the information is confidential and I am not entitled to it.

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 2021-08-06
Company: JPMORGAN CHASE & CO.
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:
please review these accounts that appear on my credit report, without any authorization, do not belong to me, and are hurting me. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft JPMCB AUTO Account Number : XXXX This is not mine. 

3. Identity Theft JPMCB AUTO Account Number : XXXX This is not mine. 

4. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: EQUIFAX, INC.
State: NY
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 hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX Inaccurate XXXX/DOFED XXXX Inaccurate XXXX  XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX close my account in XX/XX/XXXX and i tried to pay it current. XXXX XXXX Charged off the account in XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX bought the account. At the time in XXXX i did not know who they were so i did not answer most of their calls. I eventually talked with them and tried to work something out, but then i got repeated harassing, threatening calls with profanity in them. In XX/XX/XXXX, I became unemployed, homeless, and let them know that, however the calls came in until finally i blocked their number. 
Their threats came true in late XX/XX/XXXX, first week in XX/XX/XXXX when i look at my credit and found that XXXX XXXX XXXX went back in and rated the XXXX XXXX  account as Charged Off ( CO ) for every month since XX/XX/XXXX to present. This has caused me distress, as i was almost homeless again, because of their rating this account CO for all the months back to XX/XX/XXXX. I am a XXXX veteran and i'm trying to rent an apartment, but can't until i get this resolved. 
I talked to them again today and still nothing. I talked to XXXX to try and get a letter stating that the account was closed in XX/XX/XXXX and Charged off XX/XX/XXXX. Still waiting on the letter from XXXX. I have also filed a claim with XXXX  to correct the account. I have reported this company before for the abusive nature and tactics they take.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Paypal Holdings, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I began getting calls from PayPal in mid XX/XX/2021. These calls were actually being intercepted by my phone company XXXX 's robocall-blocking feature but I could see the Caller ID and number that was calling me. I called PayPal and was told that I had a balance due to Paypal of {$300.00}. I told them this account is fraudulent and they told me that this was being reported as fraud and would be referred for investigation. They told me that I did not owe PayPal anything. 
In early XXXX, I received nearly 20 calls over 4 days. I called PayPal again and was told that I still had a balance due to Paypal of {$300.00}. I subsequently found that someone had opened at least 2 accounts in my name, SSN, address and telephone number fraudulently. I also found out that there was a balance due on a second account of {$180.00}. 
When I contacted Paypal XX/XX/XXXX to report the fraud I wasn't even aware there was second account. I was told that the suspect account would be closed, that I am not responsible for the amount due and that their collection agencies would be made aware and would not contact me. 
On XX/XX/XXXX, I received an invoice from XXXX XXXX XXXX ( PayPal 's collection agency ) stating that I had a balance due of {$180.00}. When I followed up with PayPal on XX/XX/XXXX about this, I discovered this was the second fraudulent account under my name. PayPal, supposedly, will now close this account as fraudulent, too. 
PayPal will not or can not give me any information about when these accounts were opened. I do know that the email address used to open these accounts is not my actual email address. PayPal does not have record of my actual email address. Since email seems to be PayPal 's preferred ( perhaps only ) method of communication, I never knew about these accounts. 
I have asked PayPal to provide me a written confirmation of the actions they have taken, but their customer service representatives and a supervisor would not give me that information. The company is not taking my concerns seriously and believe that I should take appropriate actions under the law. It is very difficult to contact anyone with authority at PayPal. 
I was told that all a person needs to open a PayPal account is to provide an email address. Since I have a security alert on my credit reports, I know that PayPal does not seem to have tried to determine my credit rating. This is very poor business practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05
Company: Bread Financial Holdings, Inc.
State: SD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My Mom has a credit card with XXXXXXXX XXXX Credit card. She is XXXX years old. She fell at the beginning of XX/XX/XXXX and was admitted to the hospital. She was in the hospital for 3 weeks and now in a XXXX XXXX ever since. I live in another state and my sister lives an hour half away from my mom. We were able to get my mom close to my sister. Over XXXX XXXX weekend I was able to go home to pick up the mail and look at all the bills I have called all the outstanding bills including a XXXX credit card. They heard the story and XXXX  waived the late fees and I paid all the bills. When do called XXXX they told they were not able to change or make adjustments accrording to their policy. I was a little frustrated but I asked what the steps we can take to waive the late fees and get the bill paid. They instructed me to have my mom call and add me to the account and say that I can talk to them on her behalf. They said I will be able to talk to them about late fees change address etc.. I said ok I will see what I can do. I called my sister and instructed her the steps. She went to my mom at XXXX. She helped my mom get to customer service to add me to the accout so I can talk to them on her behalf. I then called back to request the late fees. They could see the notes from the previous week and that my mom called to add me to the account. However they were not able to talk to me about late fees because I dont have poa on the account. I was lied to the week before because they did not instruct me on that subject. I wanted to close the account and they told me they could not have all to me on the account. Im very frustrated with them and I have a bad feeling that they pursaded my XXXX  year mother in opening an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: EQUIFAX, 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:
I HAVE CALLED AND SENT EQUIFAX DOCUMENTS IN REGARDS TO A NEW XXXX XXXXL ACCOUNT- ( XXXX XXXX XXXX  ) ACCOUNT NUMBER XXXX..

I HAVE SPOKEN TO EVERY DEPARTMENT AT EQUIFAX OVER THE LAST SEVERAL MONTH 'S AND SENSE EQUIFAX OUT SOURCES ITS DISPUTES ITS HARD TO GET A STRAIGHT ANSWER WHEN YOU CALL IN YOU GET TRANSFERRED NUMEROUS TIMES TO DIFFERENT DEPARMENT 'S AND EVERY DEPARTMENT PUSTS YOUR FILE IN DISPUTE AGAIN THEY EVEN START DISPUTES IF XXXX  OR XXXX  INITIATE A DISPUTE IN THERE DATA BASE, I HAVE PROVIDED EQUIFAX WITH ALL THE PROPER DOCUMENTS TO GET THIS ACCOUNT BLOCKED AND REMOVED ACCORDING TO FCRA, AND YET THEY HAVE IGNORED MY CONCERNS AND PUT THIS ( XXXX XXXX ACCOUNT # XXXX BACK IN DISPUTE AGAIN.. I HAD ONE ANALYST TELL THIS ITEM WOULD BE REMOVED WITHIN 48 HOURS GAVE A CONFIRMATION NUMBER TO ONLY MISLEAD ME AND BUT THIS ACCOUNT IN DISPUTE AGAIN ...

Company response to consumer: Closed with explanation