BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-26
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XXXX of XXXX, Santander hired a towing company to repossess a XXXX XXXX XXXX from residents located in XXXX, WI. During the reposition attempt, the towing company driver was told to leave premises, which he did however, the repossion agent called the XXXX police and told them that a XXXX was pointed at him during the repossession. The XXXX police came to the residence a handcuffed me, removed from the premises so the reposession agent could take the vehicle even though I contested the repossession the first time. Santander and the repossession agent were found guilty of violating Wisconsin state law and federal laws in federal court in the state of Wisconsin in the city of XXXX and arbitration was done to settle the federal court case. Now Santander is sending a XXXX to the IRS for the debt they incurred on because of the violation of the law. This should not be incurred as a debt or income for the year based on the fact that this was a settlement from a damage hearing incurred by their violation of state and federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: CITY NATIONAL BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I walked to the City National Bank and was met by XXXX XXXX. XXXX asked me to go to the conference room. When I entered the conference room I was told they are not like other banks and opening a checking account can take 2-3 days and he asked for the information on my employer who banks with City National Bank. I gave him that information and he told me that in order to open an account he would have to come to my office and that there would be an 11 day hold on my deposits. I asked him if that applied to checks that were drawn on the bank and he said yes. As a former banker I knew this could n't be correct and I left. He clearly did not want me to open a checking account with the bank. He was rude and gave be inaccurate information based on the 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 explanation
Consumer complaint received 2021-01-28
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: Personal information incorrect

Complaint:
There are alledge accounts on my credit report for which I do not recognize. Pursuant FCRA 623 I am demanding they are removed XXXX XXXX/account number XXXX XXXX XXXX/account number XXXX  XXXX XXXX/account number  XXXX  XXXX XXXX XXXXaccount number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Lockhart, Morris & Montgomery Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection was placed on my account on XX/XX/21. It states I owe XXXX XXXX XXXX XXXX .. They have 2 collections in place. One in the amount for {$1700.00} and {$1100.00}. This hospital is located in XXXX XXXX, TX. A place Ive never been. I have reached out to the fairs department at my XXXX  to dispute these collections.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: EQUIFAX, INC.
State: MD
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:
This is totally unacceptable. This is my second complaint due to the negligence the bureaus have displayed. On XX/XX/XXXX I sent in my first letter regarding the inaccurate, misleading, and false reporting items I noticed on my credit report. I received no reply from the bureaus because of this. I wrote them a second letter on XX/XX/XXXX. I have yet to hear any response from the bureaus. This is a violation of my rights Section 611 ( a ) state that once a reporting agency receives a dispute within 30 days, the agency must record the current status of the disputed account or delete the account from the report. It has been over 80 days since my original letter was sent. The bureaus have a duty to provide notice of dispute which they are clearly ignoring. These violations are payable up to {$1000.00} each I demand these accounts to be deleted for their inaccuracies and the negligence of the bureaus. I will not wait for another 60 to hear a response. This has been stressful and needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Subject : K-1 statements Have received three letters from Wells Fargo explaining that they had a system error and that the K-1 statements would not be sent until they were satisfied that the data was correct. First letter received mid XX/XX/XXXX, second received mid-XX/XX/XXXX and just received the third letter yesterday, all saying the same thing. In the mean time, all tax filings are being held up until these statements have been received. Wells Fargo is incapable of providing any meaningful data about how long this process will take. In addition, they have not disclosed process for late payments or penalties incurred as a result on taxes due to their inability to provide the proper information. My guess is that hundreds, if not thousands of other Wells Fargo customers have been left to hang out to dry while we all await for some meaningful data to resolve this issue. Lack of accountability seems rampant in this organization! Anything you could do to help would be appreciated by me and hundreds/ thousands of others as well.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have disputed the student loan account with Transunion for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this..

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 2020-11-16
Company: U.S. BANCORP
State: MO
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 belongs to someone else

Complaint:
I once had a Personal Checking Account that was subject to over seas fraud transactions that hit both my Account Number as well as fraud transactions through XX/XX/XXXX I contacted the bank immediately after noticing my account was hit multiple times for different amounts. The Account Debit Card was closed and I did report this to the Credit Bureaus and I also had Fraud Alerts placed on ALL Credit Bureaus. 

Now my So Called Charge Off Amount is being reported to XX/XX/XXXX even after I have filed out Fraud Paperwork through the bank its self as well as filing out a pervious ID Theft Affidavit through a Government Website. 

I have proved this was fraud and I have had frequent contact with the bank and no one has called me back even after I requested a call from a Senior Member of Management. 

I have also contacted XX/XX/XXXX and I have disputed them and asked for another deeper investigation to be preformed. 

I have had NO resolution as of date.

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 2020-09-06
Company: Western-Shamrock Corporation
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: Information belongs to someone else

Complaint:
On XX/XX/2014 Western Shamrock Corp. added a derogatory remark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Western Shamrock Corp. has violated my rights as a consumer and I'm requesting legal actin to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have been a 20 plus year customer, in good standing, with American Express. I have found that I am not being credited with reward points as indicated the credit card agreement on an annual fee based credit card. I have repeatedly tried to resolve this issue with American Express customer service to no avail. I believe this is a fraudulent practice to charge me for a card and not provide the promised benefit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-04
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
See attatched Equifax Credit Report by XXXX XXXX. See attatched XXXX  Letters of Collection card # 1 XXXX XX/XX/XXXX, card # 2 XXXX XX/XX/XXXX, card # 3 XXXX XX/XX/XXXX. Kindly Note many replacement cards AFTER CALLING REPORTING FRAUD a new card was issued. Three different cards each provided each month I called to report. NOTE XXXX Provided NO ACCESS due to my XXXX   XXXX. I HAD NO OTHER OPTIONS XX/XX/XXXX. See attatched FTC ID THEFT case XXXX dated XX/XX/XXXX. XXXX  NO ACCESS NOT XXXX COMPLIANT. See attatched MAIL FRAUD DOCUMENTATION Criminal Investigation United States Postal Inspection XX/XX/XXXX Deliveries Not Made USPS. See attatched XX/XX/XXXX NOTE A DIFFERENT card # 4 CARD REPLACED DUE TO CALLS OF REPORT OF FRAUD.card XXXX NOTE ** Transactions Not eligible for credit NOT REPORTED TIMELY. OVER {$2000.00} NOTE months dates on letter ARE NOT PAST 60 DAYS. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX NOT PAST 60 DAYS. See attatched STATUES FOR ID THEFT. XXXX  Violates Federal Laws. XXXX  denied my claims and now wants to collect. My credit destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
This XXXX Gold card was opened on XX/XX/XXXX ' i started to have financial hardships starting XX/XX/XXXX ' my account was closed onXX/XX/XXXX ' i had a close relative pass away and i was helping my family take care of bills etc ... So that started to put me behind on payments and with XXXX Gold you must clear of balances in full at the end of the month. I informed them of my hardships and they told me as long as i cleared of the balance they would not close or report my hardship i agreed and paid off the balance in the amount of $ XXXX and my card was closed and reported. I'm working on clearing up all negative marks because of my financial hardship at that time and i would truly appreciate if this could be taken off so i can have a clean start again. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Fay Servicing, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm XXXX with a XXXX  XXXX, my husband recently passed.and I was affected by XXXX  XXXX. I requested mortgage forbearance and mortgage assistance several times with my mortgage servicer. I was in a forbearance and my servicer tried to foreclose on my home XX/XX/2021 I was in the forbearance. I feel Fay Servicing is discriminating against me because I'm XXXX. I have income to pay my mortgage, they are difficult to work with. My Account Manager will not return calls, customer service gives me misleading information regarding mortgage assistance and the foreclosure sale set again for XXXX. I'm hurt and disheartened by Fay Service unethical servicing practices and the run around. I'm being forced out of my home by my servicer and the Account Manager. My home is listed for sale. Submitted short sale documents and MLS Listing to Fay Servicing to be processed. I have requested again the property foreclosure sale be canceled because of me selling my home but they refuse to stop foreclosure sale. XXXX XXXX is the Account Manager, she will not response to calls and she refuses to assist me. Fay Servicing LN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
XXXX XXXX is trying to collect on a debt that is not mine! I recently received a letter stating that I had a collection for a Capital One account and it had an outstanding balance of {$1500.00}. This is absolutely ridiculous! I have never opened an account with Capital One so there is no way that this debt is mine. The debt clearly belongs to someone else and they need to figure out who because I should not be facing the consequences for someone else 's mistakes. This needs to be removed immediately from my credit and the debt should go to the correct person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: EQUIFAX, INC.
State: MN
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:
Equifax ; XXXX  and XXXX are reporting incorrectly collections/Charge-offs on the US DEPT ED account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These collections were paid in full when my tax refund was garnished! This incorrect reporting of a collection/charge-off on the student loans is seriously harming my credit score. There is no outstanding balance due and therefore these accounts should not be reporting. I have contacted the ( 3 ) bureaus to remove these line items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: WELLS FARGO & COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Originally open the account because of offer from the store for a discount. 

When I got the first bill in the mail I called them made payment for the full balance on the card, and requested for them to put the account on auto pay like I do all my cards, from my checking account that I made payment from # XXXX. I was told I either had to use the website or mail a form to me to return. I chose the letter because I've had problems with some websites before. Having completed that, I assumed the next bill would be Auto drafted. I was out of town in XXXX, coming back to tons of mail, I found a letter where they had sent my {$85.00} purchase in XXXX for collections and now when I called to ask why it wasn't on auto pay they told me I never got it set up. Now they want {$160.00} something dollars. I just told them it was unacceptable. They told me they would continue to add interest to the bill if I didn't pay it all. They offered me the card after I had already refused at the store to begin with, I was trying to put it on my credit card that I'm had for years thats on auto pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-29
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Professional Adjustment Corp. Of XXXX. FL., IncXXXX are the worst company ever, underhanded and not at all repeatable! 
I made arrangement to pay them on the XX/XX/XXXX and there were sent a copy of the check dated for XX/XX/XXXX. They immediately create a draft check on XX/XX/XXXX and took funds prior to they were available.This caused an insufficiency in our Bank account and this is FRAUD. I want to make sure that this never happens to anyone else. I will find ever place to post this experience with Professional Adjustment Corp. Of XXXX. FL., Inc.. Both posting on the internet and to the BBB. I am totally discussed with the creditability of Professional Adjustment Corp. Of XXXX. FL., Inc..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Experian Information Solutions Inc.
State: MN
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: Billing dispute for services

Complaint:
I was charged {$26.00} for credit monitoring when I requested my credit report from Experian on XX/XX/2020, I was given the impression that my credit card would not be charged and that they only needed a credit card for verification of identity. I did this request from Experians website and only requested a credit report not monitoring. There was no confirmation email about being charged for a membership and I didn't notice the charged until I looked at my bank account on XX/XX/2020. I never checked any box for a Experian CreditWorks Premium membership. I called Experian and was told that they don't refund memberships. I understand that its only a {$26.00} charge but Experian needs to be clear as to what they are doing with the credit card info and not trying to charged consumers for services they did not request. Consumers need to be able to trust a credit bureau they are suppose to be neutral and honest.

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 2021-01-28
Company: DISCOVER BANK
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:
Someone stole my identity and received a Discover card in XXXX. Discover initially reported it as fraud and it was removed from my credit, but in XXXX they recanted and began reporting the debt again as valid which is 3 years after the dispute period and the period for providing proof under the fair credit reporting act. I have had a XXXX XXXX  from being stressed over this fraudulent account. It is reporting on my XXXX  credit report. This is drastically affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello i have been speaking with the crewditors and they have not removed this off my report and this is something im scared i wont be able to get help with they will not remove this information i did not apply for these and i did not sign or use my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi, please i have two hard inquiry XXXX/XXXX Inquiry from XX/XX/2018 not yet XXXX/XXXX Inquiry from XX/XX/2018 has Removed this two inquiry i Contacted XXXX Credit Dispute and i received letter from them in process to remove and TransUnion removed only one so i made this complaint to remove another one Thanks

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