BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-01
Company: EQUIFAX, INC.
State: MA
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 am showing 2 collections accounts on my credit report from the same creditor, which is a mistake. First the debt is not mind and I have fought with this company so many times over the past year. I have never received any Proof that this debt is my. Proof is my signature. I have asked several times through certified letters beginning on XX/XX/2017. I am showing XXXX XXXX via original creditor XXXX  XXXX XXXX XXXX with a balance of {$760.00}. Also, I am showing XXXX XXXX XXXX via original creditor XXXX XXXX with a balance of {$850.00}. I need this corrected immediately. I do not have a debt with this creditor and it is the responsibility of the credit bureau to validate the information that is reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Credit Karma, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
hello I was checking my credit report through CreditKarama.com and I saw a hard inquiry from a source that I do not recognize, and the report gave me the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX and that was XXXX XX/XX/2018XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Amsher Collection Services, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information.

According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Today, I checked my credit score and it has decreased. It indicates that I have student charges. I assume that my college may have charged me for the summer practicum that I removed myself from prior to the deadline. I've contacted my practicum instructor and let her know of my decision to withdraw prior to the withdraw deadline as well. She reminded me to drop the practicum class using the college website. I clicked on the register and drop section on the college website to double-check and I was not listed for any practicum activities. I notified my instructor that I didn't see the practicum on my list.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called my phone XXXX A day. My phone is ringing constantly with calls from Conns XXXX XXXX. They call from a different phone number everytime, never the same number twice. So that makes blocking the calls impossible. The area are always different, my phone tells me it ConnsXXXX everytime they call. They mail my letters and send me emails daily. 
Their calls are disruptive to my life. They wake up my XXXX and interfere with my work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: JPMORGAN CHASE & CO.
State: TX
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:
They gave me everything and there no error. They send me the same information and cant disclosure the informations Im requesting. I send many request. XXXX XXXX the servicing company. Sent a letter that disclosure extra XXXX in escrow. Ive requested additional amounts to be explained and added to my account and the interest to be removed. Ive asked why My insurance was not paid in XXXX. I was paying extra a month. I filed a insurance claim that year. I cant get answer on why insurance was not paid and my loan was transferred and that year XX/XX/XXXX I was in default. Chase bank did not apply my payment correctly. They also did not pay the insurance that year. Chase bank cause me to be put in foclosure and that year my insurance lapse. Ive tried to get this information disclose. The insurance company blames chase bank. I contacted XXXX and the state that I have complain with XXXX  or another Agency. New lender can not answer why so much money in a suspends account. XXXX one year and XXXX in XXXX twice. I was paying double that year. Ive requested answered and things or informations to be disclosure and my requests and been ignored by both lender and servincing company and the insurance company. Chase. Ive asked who choose the insurance coverage and why the riders and additional endorsement were removed were I filed a claim in XXXX ive complained on the insurance company they blame chase bank. I paid additional forclusure fees because this. This caused me a lot of stress and became even more ill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX I purchased a vehicle at XXXX XXXX in XXXX TX. 
The vehicle was purchased using Motor vehicle retail installment sales contract with arbitration Provision. The buyer listed in the contract is XXXX XXXX and seller/ creditor listed as XXXX XXXX XXXX XXXX. The arbitration was settled by transfer of title which is proven by odometer statement and vehicle was sold as is as proven by the buyer guide. The title was transferred by state of Texas and has me listed as owner with previous owner being XXXX XXXX of XXXX tx. This is proven by the registration papers for Texas department of motor vehicles. 

Once I received the registration for the vehicle it has had a lien placed against it from Santander consumer XXXX XXXX and since that time they are sending threatening letters and stating that they are going to repossess the vehicle. I have contacted Santander and requested a release of lien but they have not or are not willing to do so. I am filing this complaint because it is my opinion as a third party to the sale it should have been illegal for Santander consumer to put a lien on vehicle in first place and in the state of Texas a lien does not give a company the right to repossess a vehicle it seems to be harrasing and threatening treatment and an attempt to cohere individuals into accepting acceptance. 
My vehicle has been impounded as a result of this I can not get vehicle out of impound Santander consumer has attempted to call impound to retrieve vehicle which they do not have a right to do which they were told no The documents attached will prove the contract title transfer as is purchase ownership and lien that was placed on vehicle as well as threatening and harrasing attempts by antander consumer USA to collect a dept that is not owed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited 3 XXXX XXXX money orders for a total of {$1800.00}. The next day Fifth Third took money from my account leaving me with a negative balance. When I called to ask about it, they said not to worry, the balance would restore within 24 hours and the money orders from XXXX XXXX would clear. 

It has been almost a week and Fifth Third is claiming via telephone call that XXXX XXXX money orders could not be processed. There were no errors on the money order, this is age, gender, and race discrimination. Valid money orders should not be declined by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an IRA account in XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX which was located in XXXX XXXX, FL. According to my research, XXXX XXXX merged into XXXX XXXX Bank in XX/XX/XXXX, which later merged into or was acquired by PNC Bank National Association in XX/XX/XXXX. While reviewing some old tax records this weekend, I found an IRA Account Statement from XXXX XXXX dated XX/XX/XXXX. At that time the balance in the account was {$28000.00}. I have no other more recent records and never received a distribution from this account. PNC says it has no record of the subject account or my name as an account holder. I have talked to PNC, the Florida Dept of Financial Services ( escheat dept ), the FDIC and the OCC. My husband and I have lived on social security for over 20 years and are in poor health. Recovery of the lost IRA funds would be a XXXX sent blessing to us. Someone some where has to have record of what happened to this account, including while located at XXXX XXXX, as well as after it was acquired by XXXX XXXX and again when it was acquired by PNC. Where are my IRA funds now? I am praying that CFPB can help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 3 months later, I have not received a response yet. I know they are backed up because of Covid but I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted immediately. I demand that these accounts be deleted immediately or I will file for litigation due to the stress these people are causing me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong people.

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 2018-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
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:
Bank of America credit card -Because BofA made a political statement about the XXXX XXXX they are forcing me to choose between my support of their company via a BofA credit card I use from my alma mater, and my support of the XXXX . They should stick to the business of banking and keep out of political arguments. I am very frustrated they have done this, and would like my complaint to be registered.

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 2018-03-31
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Last four of social security number : XXXX ... ... Both creditors XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX have requested their tradelines be removed from my credit report, due to the accounts being established fraudulently. However, you are still reporting the negative fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have existing personal account with the Bank for 20 years and opened a small business account online on XX/XX/2020 by uploading required information including funds transfer from my personal account. On XX/XX/2020 I received a secure message from the Chase Online that I need to upload a business identification document by XX/XX/2020 by responding to their secured message and enclosing the document in that response email. I did respond and enclosed the required document within minutes on XX/XX/2020. On XX/XX/2020, I received a communication via Chase Online system that my account has been blocked and shall be closed soon as I had not provided the requested information. I called the Customer care on the number given in the communication on XX/XX/2020, who advised me to contact another number handled by their Compliance Department. I called the other number and was told to go to a Branch to resolve this as the information sent by me earlier in response to their request on XX/XX/2020 was collected for the documentation purposed only and I should have gone to the Branch to avoid this situation. My complaint pertains to the carelessness and negligence in Bank 's handling of customer concerns and misguidance and unlawful blocking of accounts. The communication from the Bank and my responses are there for review to note that ; ( 1 ) The bank asked to provide information by responding to secured email on XX/XX/2020, which was done on the same day, ( 2 ) The Banks never required me to go to Branch for providing this information as per the request for information on XX/XX/2020, ( 3 ) The customer servicer misguided and refused to help me on XX/XX/2020 by stating that I should have gone to the Branch instead of sending information via secure message on XX/XX/2020 as directed by Bank, ( XXXX ) The Bank had unlawfully blocked my account and is holding my funds in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of XXXX, I ( XXXX XXXX ) paid off my XXXX  Student Loan dept in full. Until this day of XXXX XXXX it is still reporting an open balance {$1600.00} as of XX/XX/XXXX. 

2 issues, the balance is incorrect and the last update was back in XXXX. It is showing closed But when I try to go and apply for a loan it is still showing that I owe that amount on there end I have contacted both XXXX XXXX and XXXX XXXX loan and yet the issue still have not been resolved. I need immediate action to be done. Ive sent out letters back to back to XXXX, us department of education, transition, experience and XXXX  XXXX  and waited on a response, still nothing has been done!

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 2020-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Good Evening Capital One. As you can see, I have a long-standing relationship with your company but today I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX and XX/XX/XXXX for 30 days late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected or fast enough. I check my bank account and noticed that you deducted the money out of my checking account on the month that you marked me late on my credit report. Today, when I saw that balance I went ahead and made full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Im affiliated with the armed forces and really dont event qualify for a payday loan not to mention I was a victim of identity theft and have no knowledge of this debt please remove from my credit report immediately or I have to file a civil suit for defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: DISCOVER BANK
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with the company on XX/XX/2020. Company received my disputes as it shows according to my certified mail receipts. It is now XX/XX/2020 and I have not received back from the company any information in regards to verification of these debts. The FCRA gives the company 30 days to respond. I have not received a response. This has been my 2nd attempt to resolve this matter with the creditors listed on my report and the credit bureau reporting this information. The bureau is in direct violation of my consumer rights because they have ignored my requests for there methods of verification and documentation used to validate these debts. XXXX  has already removed several of these unverifiable accounts and yet XXXX and XXXX  are still reporting some of them. XXXX  in particular has not even responded to my dispute request at all. XXXX  is continuing to claim that these accounts are certified or verified but has not provided me with any proof of the matter, although I requested it way more than 15 days ago. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent out letters certified over 45 days ago and have not been notified of the results. As a consumer I feel like these big companies are trying to take advantage of regular hard working people by not responding to this request in a timely manner.

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 2020-10-14
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity Capital Bank, XXXX XXXX. This company does not offer automatic monthly recurrent payment. Around XX/XX/XXXX, I received a call that my account was late, I make the total payment over the phone, Which one I though it include the late payment fee. So on XX/XX/2020, I noticed a charge for {$37.00}, Which one also due for two days ( due date XX/XX/2020 ). I called the company and spoke with a representative name XXXX XXXX, I want to pay all my balance including the new last payment fee, for paying two days after. but the charge wasn't post it in the account yet. they did not want to charge me because I have to wait for the charge to be posted to the account. However, it's two days after, they know I will have another late fee and they don't want to charge me yet. I am trying to explain that I might forget to call again before the due date, therefore they will keep charging late fees. This company doesn't offer an automatic recurrent payment very inconvenient for the customer and convenient for them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I currently have a student loan that I am in the processing with a total balance of {$120000.00}. Right now Sallie Mae wants about {$950.00} a month from me. On top of a federal loan that I am in the midst of paying along with car note, insurance, credit card bills and rent. It is humanly not possible for me. I have tried to call Sallie Mae and get a new monthly payment based on my income. I can realistically even do {$500.00} a month. I have called Sallie Mae multiple times and each time I call Im told something different I was told by one person that I would able to get a new payment and then when I went through the process of answering all their financial questions I was denied. When I called they gave me a hard time because I had a Co signer on the loan. However, if I had applied for the loan without a co signer I wouldve got denied so its a lose lose situation. My co signer is my elderly grandmother who is not helping me with my payments. I dont want to delay or push off my payments with Sallie Mae I simply want to lower my monthly payments. They aggressively call me and my grandmother about three times a day. At the start of corona I called and asked for a forbearance on my loan, the person I spoke to told me he would handle it and during the pandemic one of my loans were actively still open.

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