BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-03
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
This account was settled XX/XX/2020, however my credit report is showing that I still owe a balance of {$800.00}. I have received a letter from XXXX XXXX Cardmember service verifying this and I am attaching it. 

My balance is XXXX. I have disputed this before but XXXX XXXX fraudulently claimed I still had a balance. They also agreed to correct this two months ago, but have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Santander Consumer USA Holdings Inc.
State: MI
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:
Santander is refusing to remove fraudulently opened account by XXXX  XXXX who is no longer a business. I was able to get the account removed by XXXX  who did a investigation but the other bureaus are saying that sanatander is validatthe account. The account was fraudulently opened because the sales man XXXX at XXXX  XXXX  which is no longer a company went out of business due to fraudulent activity lied and said I was trading in my old car when I never traded it in. XXXX took a dope of my old car title and submitted it to Santander without actually taking my car. I was submitted into a loan that I never agreed to and the state of Michigan sued Santander per attorney general XXXX XXXX they are suppose to forgive my loan amount. The entire account is suppose to be deleted off all my credit reports. I have reached out to Santander numerous times they place me on hold and hang up. This is my 2nd complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I took a flight from XXXX to XXXX. When the flight was landing, a credit card application was offered/passed around offering XXXX XXXX XXXX miles if we signed up for the card. I filled out the application. A few weeks later, I received a card from XXXX XXXX XXXX XXXX. It was then I learned I had an annual fee of {$95.00}. So, I decided not to activate the card. Two months later, my credit warning showed that I received a negative mark on my credit report. Apparently, without me knowing, this Barclays Bank sent the credit agency a late payment for not paying the annual fee - on a card I never activated. I have since cancelled the account, but do n't believe you should be required to pay for a card account you never activate. To make matters worse, Barclays will not provide documentation I can give to the credit reporting agency showing them I never had this account open.

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 2023-07-13
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-08
Company: BBVA FINANCIAL CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My car was totaled in an accident XXXX XXXX, 2017. My insurance company sent Compass Bank a payoff amount greater than the loan payoff. The XX/XX/XXXX payment was not yet due and the payoff amount was accepted prior to XX/XX/XXXX payment being due and payable. I made all payments through XXXX 2017.  Compass mailed me a check for {$220.00} which is the difference between the payoff amount and the overpayment by the insurance company. However, Compass Bank still needs to reverse the XX/XX/XXXX payment or mail me a check for that payment. Compass in their schedule of payments received shows XX/XX/XXXX payment to be reversed, but the reversal was never made to my bank account. I have sent several e-mails to the total loss department without any response. I have tried calling the total loss department numerous times but can never get a hold of anyone. I am feeling totally taken advantage of here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-26
Company: Phoenix Financial Services LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon looking at my credit report yesterday I received a notification from XXXX XXXX that Phoenix Financial SE has reported an account they recently purchased from an original creditor that was made to delete the information due to account not being mine. XXXX XXXX XXXX sold this old account which was previously deleted to another collection agency. I never received anything from this company regarding this new account being re placed for collection. On my credit report for XXXX, XXXX XXXX XXXX has two separate collection agencies reporting this one account to really try to hurt my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: EQUIFAX, INC.
State: MD
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:
This has occurred twice in the last two years. My wife or I apply for a loan ( XXXX XXXX, XXXX XXXX XXXX  ) and within a few days both of our primary credit cards ( each under our own respective names ) are compromised. Someone in Texas tried to use my wife 's care to make large purchases. I had someone from Califormia try and charge {$10000.00} dollars on my card to a car dealer in South Dakota.

Two separate lending companies with one common issue, they both used one of the three Credit reporting agencies - XXXX, XXXX  and Equifax.

One ( if not all ) of these three companies is responsible for compromising my credit cards. There can be no other answer. 

How do I deteremine which of them are responsible and hold them accountable?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Millco Management
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on XX/XX/2020 in regards to the incorrect items on my credit report, it has been well over 30 days and haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Strategic Alliances, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The Issue Im having with this company is I want pay it on a but every time Ive called the phone number that was given to me for this company, they have not answered my call and since Ive even left messages they have not replied so I came to the Idea of filling out a complain to see what can be done with this inconvenience. 

I am trying to settle the balance because Im going through a hard situation and I am sinking into debt because me and my husband both lost our jobs, he has currently found one but hes not getting full time and we do not know if it would get better or worse, maybe he could get called to get informed that they dont need him no more by how we see that the job is going these days but we are still trying to do the right thing but this company just won't take the call or neither contact me in regards of the balance that I owe them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX the XXXX I went into Bank of America on XXXX XXXX. to make a withdrawal of XXXX. The teller was getting ready to give me my funds but the bank manager XXXX comes over and tells her not to give me my funds. I received my money from a settlement check. The day before the bank told me to deposit it and come back the next day to receive funds. The check was verified and cleared. When I came in the next day In was told my account had been flagged for fraud by the fraud department but when I call they tell me that the manager XXXX had personally froze my account it was in the supervisors note 's. She was very rude and condescending when I tried to speak with her so I sat in the lobby to wait and discuss my account with someone who works there and she instructed all employees not to help me. On top of that she kept helping everyone who came in the bank and not me. She also called the police on me and they had me detained on fraud, when the check and already been cleared and verified So not only did I not receive my funds but I was humiliated because of being stereotyped. There were no legal basis for what was done it was all personal. The manager was very unprofessional. I am a victim of discrimination by Bank of America.

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 2017-09-17
Company: EQUIFAX, INC.
State: TX
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:
The Equifax website regarding their data breach on XX/XX/2017 does n't function properly. I get difference answers about whether my data has been compromised or not when I check at different times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: TD BANK US HOLDING COMPANY
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX a woman named XXXX XXXX ( XXXX ) from XXXX XXXX XXXX XXXX contacted me about a charged off store credit card. The voicemail reads ; Hey Mr. _____ this is XXXX XXXX ___ XXXX XXXX XXXX XXXX a case number XXXX I'm returning your phone call you did leave a voice message to get back in touch with you however I got it no answer again your case is actually scheduled for a litigation them tomorrow but if I am able to get your side of the story is see if I can help you in anyway I could actually put a stop on that could you please give me a call back at XXXX we do leave the office today at XXXX XXXX  Eastern standard time right now it is XXXX I made an agreement to pay 5 payments totaling {$500.00} to pay off my old store card. This was very similar to a deal i got in the mail from the company that first held my debt so i went along with it. Note : she had all of the store card information. Even the charge off amount. 

On XX/XX/XXXX she called to say this : This message is intended for a Mr. ______ ___________ this is XXXX XXXX for ___ XXXX XXXX XXXX XXXX please call us a payment reminder for your payment schedule to be automatically drafted out of the account for today 's date in the amount of {$100.00} um this is your second to last payment your last payment is scheduled to be dropped it out on the XXXX um that would close out this account 14 days after your last payment you will be receiving your paid in full documentation of two at physically close out the account and update your credit profile I can be reached at XXXX if anything changes please reference to your case number when calling _____ is XXXX XXXX  XXXX thank you have a good day Months later i noticed that this had still not dropped off my credit report. When contacted they sent me a sign off sheet for the amount paid. The card company has no idea who these people are, nor does their third party biller. 

When contacted they never would return a call and now the phone is no longer in service. Also i cant find anything with their Business name online. 

After a bit a got an email with right signature with the information. The email was from XXXX XXXX from XXXX Attachment below. 

Because this took me more than 60 days to discover, i am out {$500.00}. Nothin my bank or anyone will do. 


I will never pay anyone over the phone, ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I cashed Insurance Checks at my bank. I went back and removed the money. I was not told the money was " provisional '' credit. I was called and told to bring the money back because the checks were not paid. I was told I had committed a felony. I began a dispute with the Insurance company that wrote the checks because they should not have stopped payment. The bank never told me to bring the money back because I breached a contract. They told me to bring the money back because I committed a felony of theft and kiting. I was disputing that I had committed a felony of theft and kiting. There is a lawsuit in place in the court system. I disputed this item with Chexsystems explaining this is in dispute and it should be removed until the lawsuit is over. They are refusing to remove the item. I am not ok with just showing " dispute '' on my file and my husbands file. Chexsystems XXXX XXXX says they will not remove it because XXXX XXXX XXXX  verifies it is true. When I explained what happened, XXXX XXXX says that is too bad, they will not remove it. I explained to XXXX XXXX the money is begin held by the court and XXXX XXXX XXXX  refuses to accept it because they want {$10000.00} in legal fees added. I am requesting that Chexsystems remove any mention of this until the court systems works this out. I also requested a copy of the Account Agreement where the money was withdrawn and XXXX XXXX XXXX  refuses to provide it to me.

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 2021-02-23
Company: Experian Information Solutions Inc.
State: NC
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:
After getting an update from Experian that my school dropped I pulled it myself and saw that XXXX XXXX was reporting me that was 7 times late. And It showed the months of XXXX - XX/XX/2017. I went and pulled my bank statements and showed that i WAS NOT LATE.

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 2020-11-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have had a mortgage loan with Chase bank for approximately 20 years. 

I have been attempting to refinance this loan since XXXX and just have not had any progress on getting the loan refinanced. 

I have spoken with the loan officer on numerous occasions and he says that he has all of my information, but as of today their has been no progress on closing the loan. 

I have presented them with all of the information that they have requested. 

I have had a XXXX XXXX XXXX for twenty years, but I also worked for periods of time for companies while still maintaining my business. I was working for a company until XXXX of XXXX, after that time I have worked full time on my XXXX XXXX XXXX. 

One thing that the loan officer mentioned was that my income from my XXXX  business had increased drastically from XXXX to XXXX. I explained that in XXXX I had dedicated 100 % of my time to the business where as in XXXX I could not due to be employed by a company It seems like people who are self employed are possibly treated differently if their business is more successful the following year because they were able to dedicate more time to the business

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Higher Education Servicing Corporation, Inc.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The loan was from my previous marriage in which we divorced in XX/XX/XXXX. When we were married our loans were consolidated to a marital spousal consolidation loan, which now we know that this is a terrible loan, therefore it is no longer offered. In the divorce I agreed to pay the remainder of the loans which were mainly mine from XXXX in XXXX Texas, it is listed in our divorce decree. My ex husband is the person listed on the loan and I get constant calls for him regarding these loans, in which they are paid on a regular basis. I just found out by calling back Higher Ed, a loan company who has been harassing me for 3 weeks, calling me 2 times a week ( asking for my exhusband ), just told me that they just bought my loan from XXXX XX/XX/XXXX. I never received any documentation of this sell. This loan is extremely unethical and the fact that no one will refinance it because its a XXXX loan, and the fact that its keeps getting sold to other lenders, in which it gets to keep its title as a martial spousal consolidated loan, once again leaving me no way out. I have now been married to my new NON ABUSIVE husband for the past 9 years and I refuse to contact my ex husband who was abusive to me and my son ( who is now XXXX XXXX XXXX, whom I won custody of because of abuse ) to ask his permission or get his signature to refinance or verbal okay to put in forbearance. As a VICTIM where are my rights and am I still dealing with this after 14 years??? I became aXX/XX/XXXX( not an English teacher, so please don't be hateful ) after I graduated with this loan, when is enough, enough? So far, there has been no help or hope, therefore my next step will be finding a good lawyer. Not only did HESCloans buy this unethical loan, they have now more than doubled my payment from XXXX XXXX XXXX to now two different payments of XXXX and XXXX ... .this is unbelievable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Three inquiries for new lines of credit were initiated in my name, fraudulently, between XX/XX/2023 and XX/XX/2023. The inquiries were attempted for XXXX XXXX ( one attempt ) and XXXX XXXX XXXX ( two attempts ). 

I have contacted Alliance Data, who provided me this information, and I informed them this activity is fraudulent. I have also placed freeze and fraud alerts with my creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened the account and then I lost online access and they are not letting me access my account depriving me of access to my information and funds

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 2023-05-09
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Consumer Opt-Out XXXX XXXX XXXX XXXX XXXX Tx XXXX Acct : XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is being written to dispute the account, which I have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency/creditor on several occasions as well, and they have yet to respond to my dispute, therefore, your company could not have reached them concerning this debt. Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well as verify it's accuracy. If the account can not be verified, your company must delete the account from my credit report. If you can't show proof that you have verified this debt and you continue to list this item on my report, I am prepared to sue your company under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief