BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XXXX of 2018 I opened a checking account with Bank of America. I received a targeted promotion on my online credit card portal, which is what prompted me to sign-up for an account. If you met a minimum deposit amount within 90 days you received {$200.00}. 

I linked my direct deposit to this account, and qualified for the promotion. I knew the deposit of the bonus check would take time, so I waited for the sign-up bonus deposit. In XXXX of 2018 I called the Bank to inquire about my cash bonus. The representative told me that I had qualified and the funds would be deposited in my account within the terms of the agreement. ( which had not passed ) She said the bank still had time to deposit. I think it was 90 days, after you qualified. She was correct, so I said, " ok ''. At the end of XXXX I had not received the {$200.00} deposit into my bank account. I called them again, and the representative now said they could not find the promotion I was referring to. She escalated the issue, and said I would have a response within 30 days. Once the 30 days had passed, and I received no response I called them again. I talked with another representative, she said that the case was concluded, and I should have received a check. I specifically asked her if the case had been resolved, and what the decision was. She said " Yes '', " the conclusion was to issue your {$200.00} bonus ''. She instructed me to call another bank department because the 30 days had passed. This department would send the check. I called this number, this representative told me that I did not click on the proper link and that the bonus will not be paid. When in fact the way I signed up was through my credit card link, that said " sign up for {$200.00} ''. 

They have continually told me I was successful, but refuse to pay the bonus check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Phoenix Financial Services has repeatedly re-aged a collection amount of {$250.00} on behalf of XXXX XXXX XXXX XXXX. I have brought this to their attention as well as to all three credit bureaus. In XXXX, it was removed and they denied the re-aging. In XXXX, they have re-aged the debt claimed again as if it were new. This has been re-aged multiple times over the last XXXX years even after I have complained and brought it to their attention. I want this debt removed immediately from all three credit bureaus and all collection efforts ceased. If this is found to be a repeated pattern of this collection agency, I believe they should be heavily fined, prosecuted and a potential class action lawsuit evaluated. This has negatively impacted my credit score several times now. If I have to I will request a copy of my consumer file from each agency at my expense to show the history. Or, they could just STOP. 
Phoenix Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Amount {$250.00}, indicated as new XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Experian Information Solutions Inc.
State: OH
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:
My name XXXX XXXX XXXX, I have several name variations on my credit report that need to be deleted XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. XXXX. I was going over my credit report and I noticed that there are several errors. My current and only address XXXX XXXX XXXX, XXXX, OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX SQ XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,

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 2019-12-19
Company: Santander Consumer USA Holdings 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:
This report is really a mess. There are too many inaccuracies such as the remarks. I need to see the documents that to prove that this is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Experian Information Solutions Inc.
State: LA
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:
Sent via mail onXX/XX/XXXXa letter to XXXX along with a check payment stating upon cashing my check payment they would agree to remove all late payments from all three credit bureaus ( XXXX, XXXX, Experian ) immediately. My check was cashed on XX/XX/XXXX and the late payments remain on the account they have not been removed yet. Per the agreement these should be removed from all three credit bureaus. I have will attach a copy of the letter and copy of check along with a snip it from my bank showing it was cashed.

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 2022-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 have many inquiries on my account that i do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
upon reviewing my credit reports i noticed a few charges on my reports that i did not give anyone authorization to use my information. Please update my accounts and remove them from my credit report. This is a fraud, and it needs to stop!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This complaint is for Loan depot XX/XX/XXXX I received a call from a XXXX XXXX, a lending XXXX, asking me if I wanted to refinance. I informed XXXX that apparently my dept to income ratio is too high, as I was told by another refinance company, so I cant do it. He told me to send the documents about XXXX different income documents. He said that my debt to income was high, but If I could prove that I wasn't paying the mortgage for over a year he may can do it. Which I don't pay the mortgage my finance does, so I sent all his statements showing he payed it. XXXX was not the problem he was operating in good faith. I spoke with him several times from then to XX/XX/XXXX. 
I then got a call from XXXX XXXX around XX/XX/XXXX, stating he works at Loan Depot, I asked him why he was calling because I had just spoke with XXXX and he said he works with XXXX and was furthering the loan ahead, he made it seem as if he was the next step. He sounded shady and predatory. I questioned him why he couldn't just get the information from XXXX that he was requesting and he said that he would and called me back, stating he would be able to do this at an even better rate and financial option. He stated that he got everything needed to proceed from XXXX. I informed his as well as XXXX, not to order an appraisal unless he knew that I could do this loan, he stated that he would not order it unless everything was okay. I asked him how much the house needed to appraise at in order to be okay, he said around XXXX. He asked for {$18.00} to lock in a rate and to ensure that I would be forwarding the process with him. I got a message from a women named XXXX XXXX, asking for some additional signatures. XXXX proceeded to act like the debt to income and financial documents was enough to secure the loan. He orders an appraisal and then goes silent. I called him to ask about the rates again and he says we are having trouble getting the debt to income approved, and I again stated why you didn't have that approved before you ordered the appraisal. That was the first thing I told you to make sure of. The house appraised at $ XXXX so the amount shouldn't have had anything to do with it, He simply didn't do the math, of how much I make and how much I pay out. There were no new documents submitted to have changed that, he simply did whatever he could to push it through knowing darn well, he didn't do the math first. I don't event think he looked at the documents I previously sent XXXX. He just proceeded in bad faith. I would like my {$500.00} back for this appraisal they ordered for no reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
There is no human being to talk to. You have to contact customer service through the app, but since I did not create or authorize this account, I do not have the log in information and are unable to contact the company to report that this account was created fraudulently by someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: TOWNE MORTGAGE COMPANY
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
The mortgage broker failed to provide accurate closing escrow numbers on loan payment, taxes and insurance. These number were also verified by the mortgage company before the closing. Almost 2 years later the mortgage company is claiming an error was made at the closing in calculating the escrow accounts which is resulting in a significant increase in my mortgage payment which I can no longer afford due to a fixed SS income. Investigation into these companies has revealed numerous complaints of the same instance of escrow fraud at closing.I have requested an investigation by the person handling the loan and he will not cooperate with me. My mortgage payment has gone from {$540.00} a month to {$710.00} a month which I can not afford.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-15
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
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 am a victim of identity theft. On XXXX XXXX, 2017 some body used my SSN and open a credit card with First National Bank. Some time in XXXX I received a billing statement for a balance of {$7100.00}. I contact First National Bank and explain what happen. I spoke with the vice president XXXX and explained it to him and XXXX XXXX said I am not liable for this account. I followed up with the bank today XXXX XXXX, XXXX and I spoke with XXXX in the fraud department and I asked him about this credit card and he said there is still a balance on the account. I explained it to XXXX, I did not open this credit card and he said will investigate on 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 2019-08-09
Company: CITIBANK, N.A.
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:
This Home Depot credit card account as a authorized user was removed from my credit report. But the hard inquiry from ( CBNA ) Home Depot was not removed. The credit company stated that the authorized user did a dispute in reference to this account and the tradeline/ account was removed due to that. Even though this was a mistake done by the credit bureau. I have accepted their response from the prior dispute. But am requesting for the ( hard inquiry ) on my XXXX  credit report, to be removed as well. Just as the account was removed by Home Depot credit card services as well. Its only fair since the account was removed. The hard inquiry needs to be removed as well or send a request to each credit bureaus as before for the tradeline of this account, to be reported back as the authorized user.

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 2020-11-24
Company: Trebar Financial Services, 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:
On XX/XX/2020, TREBAR FINANCIAL SERVI add a hard inquiry on my credit report per XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18
Company: Phoenix Financial Services LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Please validate this alleged debt. This is my 2nd time contacting you about this account and I hope this time with the help of CFPB you will not grant my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
This complain is the same against Synchrony bank with Paypal and it is regarding the previous complaint on file : XXXX After all the proper documentation presented ( documentation send to them by me and also by your involvement on file XXXX ), I received an email indicating resolution of the case ( I am sending copy of this ) ; After this last letter I also canceled the credit card and I obtained a letter with this cancelation ( with XXXX balance ) Now again I just received an inquiry about the same purchase, asking me if I want to start a dispute ( I am also including this letter ). 

You and I already sent all documentation and the case was resolved. It is like they are ignoring all previous information and resolution.

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 2020-11-24
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: Was not notified of investigation status or results

Complaint:
HAPPY XXXX AND HAPPY HOLIDAYS! and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Experian Information Solutions 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 am interested in processing disputes on my credit report with experian to help clear all the inaccurate data that is hurting my file. this has been a big issue. please delete an remove all information listed this has hurt me. delete asap.

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 2023-05-16
Company: Affiliated Creditors, Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I believe my information was mailed to an old address or I believe it took place when I lost my wallet for years back.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-10
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal close my account for not reason and them will not help me with Getting it back up and going. Everytime when i try to take out my money From my account they just block me for avoid that i can use my money.

They just made all difficult for me. My account was already verified with all My personal information and i never made any mistake. I never had any Dispute or charge in my account. i donate money to my friend they blocked my account, and them they just close my account with all my money. I think this Company stole money from people. They never take my calls or respond my message. I record Everything about that company that just stole money from the people without Any reason. PayPal is not doing her job properly and that the reason i am File a report here. PayPal is violating the rights of people by closing Accounts to keep the money and so make your company grow with the Money that is stolen. PAYPAL SCAMER 100 %. 
HERE THERE ARE SOME PROOF WHEN I TRY TO CONTACT NEVER DO NOTHING FOR HELP ME. MY EMAIL IS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed XXXX/XXXX on all three credit reporting agencies. Company wrote off amount due which cancelled contract. Sold to collection agency XXXX  which also cancelled contract. I paid XXXX in XX/XX/2015. I can not submit documents. Loss home to flooding XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX and XX/XX/XXXX, loans should have been deferred, Department of Education has place 2 late markings on my credit reports. I have written letters and completed the dispute form and mailed it as directed however, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: IL
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 my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00}

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