BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-25
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint submission is in regards to a false credit report by EOS - CCA ( XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a Supervisor by the name of XXXX XXXX, who upon requesting information regarding the account, he then provided me the fax number so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent on XX/XX/2020, was confirmed through my fax machine that the Supervisor had received the files. At this point it is now XX/XX/2020, and after 30 days of notifying them, neither my Attorney or I have received any response, nor correspondents. 
I specifically asked for proof of the allege debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them the total of {$2100.00}. EOS-CCA are falsely reporting a debt to the three major Credit Bureaus and never sent me any initial notification. They even marked the account as pass due with several missed payments for something I was never even aware I allegedly owned. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting EOS - CCA ( XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX  ) on this action. They have failed to follow the guidelines which was all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, EOS-CCA are violating my rights and are also causing financial hardship with this debt being reported. We are currently in the time of a Global Pandemic with the COVID-19 virus, and access to funds are crucial for survival. This false report by EOS-CCA has prevented me from gaining access to any lenders due to Derogatory Marks on my Credit Report. At this point EOS-CCA have failed to provide any competent evidence or any legal obligation and they are currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America, without notice inappropriately paid my real estate taxes and initiated an escrow account for my loan against my requests and demands. I was in the process of appealing the real estate tax assessment ( and was affirmed by the local taxing authority ) when BoA paid the taxes and penalty and interest which I now need to back out and reverse -- costing me hours of time and problems with the city, assessor, and BoA. I have already spent over 7 hours ( mostly on hold with BoA since they won't give me a direct contact ). BoA is hiding behind its vendor, XXXX, which hasn't responded to BoA 's 3 week old request.

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 2020-07-17
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
BarclaycardUSA is not answering their phones during the coronavirus period. I have a scheduled payment reflected in their system that is for on-time payment. The ACH was never requested from my bank. I received notice of non-payment. I can not get through to discuss. This has forced me to initiate a second ACH payment in hopes that this one goes through. The fact I can not speak to anyone - hours long wait time - is not acceptable. I now risk double payment if the first ACH goes through.

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 2023-05-31
Company: Experian Information Solutions 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:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$7500.00}.

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
Consumer complaint received 2020-07-17
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX, I took out an auto loan on a new vehicle with Santander Consumer USA. I was never given a written copy of my contract and the interest rate ended up being higher than what they initially offered. As it is, in the State of  California, the cap on auto loans is 10 % and I was paying 24.85 %. I was able to make all my payments on time until I lost my job as a result of the COVID-19 pandemic. Once that happened, they kept calling and harassing me up to 10 times a day, and regularly violated FDCPA ( Fair Debt Collection Practices Act XXXX rules. I complained on their XXXX page several times and instead of resolving the issue, they took it personally and blocked me from their XXXX page. I then repeatedly call customer service and I was on hold for several hours and once I was able to get a representative on the phone they repeatedly hung up on me. My loan was charged off as a bad debt on XX/XX/XXXX in the amount of {$22000.00} and I was never sent a right to cure notice or given any opportunity to make my loan current. Two months later, on XX/XX/XXXX, my vehicle was repossessed by XXXX XXXX, again without receiving a right to cure notice from Santander Consumer USA 30 days prior. I inquired about payment deferrals and extensions and was never offered anything, nor was I sent anything in the mail stating their formal positions on the COVID-19 pandemic. I still havent received all the proper documentation after the repossession took place and as a result of their negligence during the worst global health crisis in history, I will be pursuing civil action to the fullest amount allowable, I am seeking the amount I was charged off on in the amount of {$22000.00}, redemption of my vehicle, and 10x the amount of the charge off in damages, in the amount of  {$220000.00}. I may seek further damages if necessary, and I may also pursue criminal charges as well for usury and wrongful repossession, given the fact that this company has put myself and my family in serious danger. I will also be contacting the news media and exposing this company at a time when people are the most vulnerable and many Americans are still financially struggling, especially being that unemployment benefits as a result of the pandemic are running out, businesses are still closed, and jobs are still not being created

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX sent a loan offer via live check through the mail for a {$69000.00} loan around XX/XX/2016. According to my bank account records, that loan was accepted and check deposited on XXXX. The terms were most likely for 12 months at a ridiculous APR based on the rule of XXXX installment loan repayment model. My bank documents and check register show I paid {$100.00} on XXXX, {$100.00} on XXXX, and to pay off the loan in full early paid {$590.00} on XXXX. Instead of applying the last payment to pay account in full, XXXX XXXX used that payment to apply monthly payments for several months fo which I received no statements of any kind. And after the funds I paid were used to their benefit, they began to call and even come by my home requesting payment. I went to the business and spoke with the supervisor at the time and even called the headquarters in my area to dispute their request for more payments. I had to threaten to take the issue to a higher financial or business authority. After all was said and done, I DID NOT PAY ADDITIONAL FUNDS AND MY ACCOUNT WAS MARKED PAID IN FULL. I just found out recently that XXXX XXXX reported my account as a delinquency of 60 plus days to TansUnion. I disputed the information with TransUnion and their " investigation '' claimed the information was accurate. I vehemently deny any reportable delinquency for this aged account and would like it removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a derogatory remark just on my XXXX  credit report from Portfolio Recovery Associates, LLC that I want removed immediately. XXXX  and XXXX  removed it due to is being a lie once I disputed it. For some reason XXXX  will not remove it and I have filed a dispute 3-4 times. The original debt was with XXXX XXXX for {$190.00} with a credit limit of {$200.00} and that was a secured credit card with a {$200.00} limit that I paid for before even getting that card. So once I closed that account that {$200.00} I gave them for a secure line of credit wiped that debt out. They actually owe me money, {$7.00}. Portfolio is saying I owe them {$190.00} which isnt even the same as the XXXX  XXXX balance which also says I owed them {$280.00} from the letter Portfolio sent me and they also claim I only had a {$99.00} security deposit and once they took that off it too my balance to {$190.00} which is less than what Portfolio says I owe them. Its all a lie to collect money that I already paid. There is a lot of discrepancies in their letters. I know I paid this account off and I want it removed from my XXXX  report ASAP. Also, once Portfolio Recovery bought this account my contract with XXXX XXXX was voided. That alone should be grounds for removal immediately. Either way, debt was paid with deposit and my contract with XXXX XXXX is voided. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX under alleged Home Depot Card : XXXX XXXX XXXX XXXX, closed in XX/XX/2019 after merchandise was paid in full received today their account statement with additional fee charges. Several times I authorized my husband XXXX XXXX to represent me and spoke with Home Financial Services. There has not been any willingness to correct the error since months ago. The finances charges were disputed since day one. But greed has persisted on their part. 
Complaint Number XXXX, filed with consumer.ftc.gov is my complaint and attest all the facts that have transpired. Home Depot Credit Services and Home Depot have alleged that they do not have any connection and that the fees are automatic. So they keep harassing me with account statements after fees where disputed from the day that we received their first statement. 
Due to their attitude my husband account with Home Depot XXXX XXXX XXXX XXXX was also requested to be closed.. Home Depot now have alleged to compliant XXXX that they do not recognize me as a previous customer. Dishonesty is evident and they have tried to hide the evidence But they playing with the accounts numbers to say that they have to respect customer privacy, an spurious defense. 
In XX/XX/XXXX per XXXX request, at XXXX received an e-mail where I personally authorized my husband to represent me. 
Our mail address XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX still receiving their mails which they say that do not share with my husband. So again I am authorizing my husband XXXX XXXX ( XXXX ... XXXX ) to receive future financial information and to also indicate what they have already done and haver shared financial information with him orally and in writing. So this is another excuse. 

XXXX XXXX XXXX Signed

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 2020-04-25
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i am very let down by how the goverment agencys such as yourself CFPB have done nothing to help me protect my elder grandfather and his assest he worked his whole life to build. i filed a complaint with i dont know how many agencies that are supose to be there to help consumers and what a complete let down. when wells fargo employees have no morals and can steal and let others steal from customers why would you really think you sending them a letter is going to do any justice for anyone theyve harmed? this is unacceptable. they wont respond to your request so now you may understand what we have been going through! so now what? just a wasre of my time again, more money, ink, a printer, paper and more money to send faxes. well guess wells fargo does what they want at our expense again! thanks for nothing CFPB just more letters to file away proving this goverment could careless what we go through. this is regarding complaint # 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 2023-04-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
To Whom It May Corncern, I am writing because i moved from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I never recieved any pay out from the {$3.00} XXXX widespread pay out for consumers who had a car loan from accounts during XXXX. I am writing to see if i missed receiving a payment i was told to send a email here, if you moved which i did. 

XXXX Thank you..

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 2023-09-04
Company: Professional Placement Services, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have noticed that I have this account in collections profesional placement XXXX with open balances {$2600.00} reported on XX/XX/XXXX, I never open this account or anything like that. I need the the collection agency to verify the ownership of the account by providing the following information 1.I need the audit trial of the balance.

2. Also I need them to provide me with the agreement that grants them to collect this allege debt. 
3Also provide with the master bill of sale

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been approved to refinance my home with a different lender than my current lender. Current lender is PNC Bank, new refinance loan lender will be XXXX XXXX XXXX. I have been told by XXXX  that PNC will not send over the 30 day payoff as they have requested multiple times. I have also personally been requesting such payoff for almost 2 months now and PNC will not send a 30 day payoff. Instead they sent one payoff by mail ( it was requested via fax ) and it was a 10 day payoff not a 30 day payoff. Every time I call PNC to request yet, another 30 day payoff I am met with brutal questioning and attempts to lead me to a refinance officer within PNC even though I am very clear of my intentions to refinance with another lender.

Since all this has been going on over the last 2 months, PNC has pulled double payment from my checking account 2 times, and they will not reverse or refund the funds they pulled from my account. My checking account credit union told me since the funds were pulled ( requested ) on  PNC side they couldn't undo the transaction. All of this leaves my account short XXXX $ and during these hard times of covid I could have used this XXXX $ for my other bills. I had zero intentions of paying an additional XXXX $ to my mortgage that I am in the mix of refinancing with another lender. I have written and called and emailed PNC but no one will solve the issues mentioned above. I am still without a payoff that is good for 30 days, even tho I requested a fax for one again yesterday. Any insight on how to get this resolved is appreciated and I just want the option to be able to refinance my home without being robbed via double mortgage payments each month. I feel as if I am being punished and robbed by PNC because they know I am refinancing my mortgage with another lender. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: SN SERVICING CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I feel that I should be provided relief under the COVID and Emergency Rules of California and also offered a new loan modification offer based on my loan modification submitted on XX/XX/XXXX. My home is set to be sold at an Auction in XXXX. Ms. XXXX XXXX, SN Servicing informed me that they can still sell my home online and that I do not qualify under COVID Emergency Relief because the debt is from XXXX. This is false. They want {$50000.00} to proceed with a loan modification and forced me into a shortsale during the COVID period. I just requested a loan modification and COVID relief in XX/XX/XXXX. Time is of the essence and an urgent matter to me. I will be homeless and currently take care of my XXXX year old mother. I can not locate other living arrangements and need your help during this crisis. I don't understand why big banks and large retailers are given relief but the average ordinary American is given nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Someone took a picture of my debit card and when I was on vacation in a different state was taking money out of my account until I got to the state where I live at Pennsylvania I checked my balance and {$26000.00} were stolen from me and when I went to TD Bank shows me all the chargers that were done online banking I never made an online banking before for instance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pay TD Bank made a report for me declined me this happened in from XX/XX/2022 until XX/XX/XXXX Never got a phone call from the bank Never got emails or text messages or phone calls for money being spent so fast Changed my debit card somehow the same person got into my new debit card the new report said XXXX were stolen out of the new debit card the bank XXXX XXXX said its impossible for her to get your new card Ive been XXXX since XXXX when they said they cant do nothing about it I went to the police station made reports XXXX XXXX XXXX  gave up lost my XXXX  back to living at my parents house Ive been XXXX  over the bank of TD XXXX XXXX XXXX, XXXX all the way until XX/XX/2022 I am very hurt I think justice wasnt served I am out of {$26000.00} and more and I think its TD banks has no common sense and doesnt care about the people that bank there hopefully Someone can get back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I filed disputes with all three credit bureaus and all three credit bureaus ruled in favor of the fraudulently opened account due to data furnisher, whatever that is after I have repeatedly tried to convey to them that I have no knowledge of this account at all I did not open this account

Company response to consumer: Closed with explanation