BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-12
Company: Santander Consumer USA Holdings Inc.
State: AZ
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:
I have disputed the Santander USA account a number of times. The account is more than 7 years old, it has been reported as a closed account more than twice, they vehicle was repossessed and sold by the company 5 years ago, the company has reported the amount of the debt incorrectly more than once, they have included people on the account who have nothing to do with the account. No matter how I dispute the account XXXX just sends back a notation that the account has been updated. And trying to reach a human being at XXXX is impossible. Their automated telephone service constantly malfunctions and hangs up. 

They are currently showing the account as 180 dayspast due because XXXX   infairly allowed them to report this loan as a brand new item after having been previously closed. This now shows as if the loan just began in XXXX, which gives them a new 7 years to report it. 

How in the world am I supposed to have any kind of protection if this company can change the account status from open to closed and back whenever they like? - According to XXXX after 6 years of reporting the account the company was allowed to start the account over as a brand new account within the last 6 months. - If the company is allowed to change the reporting of the account whenever they like and are never held accountable they can keep this account on my report for the rest of my life! 

After repossessing the car in XXXX and selling it for more than the balance of the loan they continue to report the account as if I have possession of the car. It doesn't make any sense to have credit reporting procedures in place if the reporting company does not have to follow them. 

I learned Santander is a foreign lending company after all the crazy reporting began. They are somehow able to know whenever mt credit report improves and allowed to enter more false and misleading information onto my credit report. Thi one company has been allowed to hurt my credit report continuously for over 4 years after they repossessed and sold the car the loan involves.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
For most of this year I have received electronic correspondence from Ace Cash Express. I never was and never will be a customer of Ace or any such lender.

I have repeatedly contacted Ace Cash Express to inform them that I am not their client. I have repeatedly given them my contact information and other personal data to enable them to correct their records. 

However, I continue to receive correspondence from Ace. I am concerned with both identity theft and my credit score.

It is obvious that Ace Cash Express has limited controls over its operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Chase Card continues to run my credit regardless of the credit freeze on my social security number. I have gone to the local police but they can not have the credit inquiries removed from my XXXX XXXX credit report, nor can they do anything in regards to my stolen social security number. Please remove ALL Chase Card inquiries from my XXXX XXXX credit report. I was told these are BLOCKED but that is NOT TRUE. These inquiries are CLEARLY on my credit report and need to be REMOVED IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
Company: Square Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX i wake up to text messages from cashapp saying my number and email had been unlinked from my cash app account I login re-link my number in my email and I watch them get deleted again as if somebody is logged into my cash app from another device doing mess my phone kept me logged in the cash app so I was able to change it back as as this hacker was actively changing my information as soon as cash apps customer service opened I contacted them they advised that I had activated Face ID for security measures which I had done and the issue was no longer pressed skip to XX/XX/XXXX I had just received a paycheck and the following morning I get similar messages saying my phone number had been disconnected from cash app I login to cash app and see that there had been three separate transactions one for XXXX dollars the second for {$500.00} and the third for XXXX transferred to a XXXX XXXX XXXX  account I do not have XXXX XXXX  I contact cash app they told me it would be escalated to the security department XX/XX/XXXX I received an email saying that theres not enough information to file a claim and the fraud so I contact XXXX XXXXt and give them the transaction numbers and the amounts and they tell me it goes to another individuals account name XXXX XXXX and that they are freezing the account for fraud and if cash app to contact them they would sort the issue out I contacted cashapp again and told them all of this they then told me yes it is still not enough evidence to open a fraud case and theres nothing they can do and I need to contact local authorities they hang up on me I contacted local authorities local authorities told me I needed to prove that it was fraudulent and all I can get from cash app is saying three transactions to XXXX XXXX I dont have any numbers so police wouldnt follow report because there wasnt enough evidence they told me to contact my bank my bank is telling me theyre not giving me any information until police submit a request and theyre not submitting a request without enough information even start a report cash app then hung up on me again so Im short {$1200.00} after I prove to them that was fraud I even did their jobs and found out who it went to your contact to the other bank the other bank said they would work with my bank cash app to fix the issue but cash app refuses to do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a VA mortgage with US Bank, for years I have paid on time normally over the amount due. XX/XX/XXXX I sent a check from may bank, XXXX, to US Bank for {$2400.00}. They only used the electronic withdrawal for XXXX and then they say I am late and did n't pay the mortgage. They have no copy of the check, XXXX has no copy of the check. How can a bank withdraw money without producing a check or other evidence of the amount? I have called both and neither will do anything except say it is being looked into. I am supposed to pay interest, late fees and have a mark on my credit score ( XXXX last check ) because of the banks mistake. The bank makes a mistake, destroys the evidence and it is my fault. US Bank and XXXX both are refusing to do anything to help

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 2022-01-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have filed multiple disputes against US DEP OF EDUCATION and US DEP OF EDU/XXXX for identity theft and attempting to collect a debt not owed, most recently XX/XX/2021, which in the course of their investigative consumer report the accounts were not removed within four days as it should be under identity theft. I constantly receive the response of the negative accounts being " verified '' but under an investigative consumer report, personal interviews with neighbors, friends or associates of the consumer reported on must be done. I have not gotten any information as to who was spoken to or any other verifiable information, to verify their claim. I also sent a notice to cease and desist on XX/XX/2021 complaint ID : XXXX to not communicate indirectly through any medium and cease and desist reporting the information to my consumer reports which has been violated due to the reporting of these negative accounts still being furnished to my consumer report defaming my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
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: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX and Experian are continuing to report incorrect information on my credit report. 

They are reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD account number XXXX They are verifying this account as accurate. They have informed me they are not required to provide me the documents they used to verify this account. 

I sent 3 letters to the creditor. I received one response stating they are not obligated to give me any information or validate their claim. 

On all my official documents. Drivers license, passport, bank statements, W-2s etc my name full name is used. XXXX XXXX XXXX. This account does not. Also this account is associated with an addesss I ever lived

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 2017-11-29
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My ex husband, XXXX XXXX forged my name on a loan modification in XX/XX/XXXX for the property that he was awarded in our divorce. I contacted OCWEN individually and thru CFPB ( Case # XXXX ) in XX/XX/XXXX, explaining the forgery. They did nothing but disregard my complaint saying that the signatures " look consistant ''. I submitted a police report to the XXXX XXXX Sheriff 's Department ( XXXX XXXX, CA - Report # XXXX ) of the forgery in XX/XX/XXXX. XXXX XXXX admitted to the sheriffs department that he forged ( 3 ) signatures on the modification. XXXX XXXX also admitted to the forgery in a court declaration. The XXXX XXXX District Attorney 's office has filed criminal charges against XXXX XXXX and they are currently in the pre-trial stage ( DA Case # XXXX ). OCWEN is now offering to re-modify the loan again probably at the request of XXXX XXXX. I DO NOT CONSENT TO A MODIFICATION WITH MY NAME ON IT. In our divorce decree, XXXX XXXX is required to REFINANCE the property ; therefore removing my name from the loan. XXXX XXXX is a Sergeant for the XXXX XXXX XXXX XXXX XXXX Department, he committed fraud and should not be allowed to remodify the loan. OCWEN should not allow this modification or offer it based on the fraud that was committed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29
Company: SIMM Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/18 I received a telephone from a woman stating she was with XXXX XXXX XXXX and that she was attempting to collect a debt. I asked the lady to cease and desist in calling me on my job. She became very hostile and noted that she would not and that upon signing a contract that i have not seen or had knowledge of that she had the right to contact me and that she would continue. She told me that she had a court summons and that she was going to serve it on my job. I asked her again and also told her to contact my attorney. I am under Chapter XXXX currently. About 3 minutes later a man called and asked for the Human resources department. He was given the phone number. About 3 minutes later he called and asked to speak to me and noted that the HR Department informed that he could not deliver a summons on their property and insisted in an angry voice that I give him a home address. I inquired as to the address that was listed and he mentioned a PO box I told him to send it that he noted that he would not and that he was going to serve it on my job whether my company liked it or not. He then hung up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Experian Information Solutions Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
90 days ago XXXX credit showed up on my experian credit report. This was after the same company tried to take money out of my bank account and I filed a police report. My bank then denied the company and reversed charges. 
I have NEVER had an account with XXXX credit. My purse was stolen in XX/XX/XXXX I don't know if that has anything to do with it, but I have disputed it with experian unsuccessfully and can not get a response from XXXX after emailing repeatedly. I would like this account immediately removed from my 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 2017-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I sent letters to XXXX, XXXX, and transunion about having several unauthorized inquiries on my credit report. I asked them to validate or otherwise remove them because I knew they were not authorized and they sent me back a letter stating companies are allowed to run my credit even though I specifically told them I had not auttorized certain ones and had zeros knowledge of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2013 I deposited {$1600.00} cash into a drive-thru ATM at Citibank after depositing the money I receive The receipt stating technical difficulties can not withdraw money I was confused I just deposit cash? I went into the bank to talk to gave me an 800 number to call that was on the receipt, that I received l, after depositing the money i mentioning to the teller that I deposit cash and I need the money to be credited due to bills and other financial obligations I was told I need to file a dispute and I will be credited  once they do an investigation up to 45 days I looked on XXXX and I found out this ATM machine had same issues with other clients it's an ongoing problem, from other customers if you do the reviews this is not a first time occurrence The machine will not give you money but it would take money or would not record money and we have to wait 45 days for Citibank to do an investigation before we get credit to our account, I spoke to the manager where in fact he said he can not do anything, and this is the way the neighborhood is and that's that???? this caused a lot of inconvenience a lot of heartache a lot of pain and suffering due to bills need to be paid, please help me with this  situation other people have had the same issue, I am without money and they won't fix the ATM machine. ( drive-thru )

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 2020-09-15
Company: Experian Information Solutions Inc.
State: IL
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:
The companies involved continue to report inaccurate information on my credit report after a so called investigation.

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 2020-06-23
Company: EQUIFAX, INC.
State: AR
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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: OH
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Synovus Bank
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
By phone, I closed my account with XXXX XXXX XXXX, Which is a prepaid card. I was told I would receive a check in the next 2 weeks.

This was XX/XX/XXXX. I still have not received my initial {$1000.00}. pre payment as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: AXOS FINANCIAL, INC.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I e-deposited a check for {$200.00} from a trusted source into my checking account at Axos Bank. I received a confirmation e-mail from the bank stating that my funds would be available 5 business days after the date of deposit. When I sent an email asking why at least the first {$100.00} of my deposit was not released the next business day after deposit, the bank responded that my funds would be held until XX/XX/XXXX. 

It is my understanding that federal regulations require that banks make deposited funds available within a reasonable time, and in most cases require banks to release the first {$100.00} of deposited funds available on the first business day following the day of deposit. 

Axos policy of arbitrarily holding deposited funds for 5 days or more, regardless of the amount, source, or the evaluated risk of the deposit, is not " reasonable '' within the meaning of federal banking regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Comerica
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the Eve of XXXX XXXX weekend Friday I went to XXXX on XXXX XXXX in XXXX Georgia to take out {$360.00} out of my Social security account through my Direct Express card that is linked with Comerica Bank which is affiliated with the United States Treasury through the Social security department for people who receive Social security income as the ATM machine was dispensing my money it seized up locked up and displayed on the screen not enough funds out of order printed a receipt showing I only had {$11.00} left in my account I directly walked over to the counter and spoke to the customer service representative at XXXX who then called XXXX XXXX XXXX XXXX they then took my information balanced out the machine and saw that I did not receive the money they then gave me information such as a confirmation or reference number and a regulation e form to tell my bank they needed to fill out and with the number they could see that the money was not received I have called over 20 times since then Direct Express has a robotic answering system that says they have high call volume and then they disconnect you so within this time period I was only able to connect with four people two of the four people hung up on me in the middle of the conversation after I gave security answers, one representative did not even know what I was talking about and sent me to level two department where I was put on hold for over 60 minutes to the point where I hung up I then tried another time and connected with someone else who did the same sent me to level two where I was put on hold for over an hour to the point where I got discouraged and hung up I do not believe there is a level two department I believe they just put you on hold until you get tired of it and you hang up I've yet to receive my money back I am XXXX years old I only get {$870.00} a month in Social security income and that {$360.00} was left to pay my remaining bills and to buy food for myself for the rest of the month I have no money at all and can not get the bank to help me so I am filing this complaint and hopes that you can help me resolve this matter as soon as possible as I am hungry and I'm afraid that my power is going to be shut off

Company response to consumer: Closed with explanation