BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-02
Company: Bread Financial Holdings, Inc.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As an employee of this company, part of my job was to try to sell customers a 3rd party product called XXXX XXXX. I actually believed in what I was selling people and added XXXX XXXX to all 5 of my accounts with them. So, every month my statements would reflect the amount of the current balance that paid for the XXXX  XXXX, based on the dollar amount owed on the card itself. 

This was supposed to protect me and my credit should I not be able to make my payments. It would either make payments until I could go back to work or, in the event of complete and total XXXX, pay off the balance owed on the account. 

I was injured in XX/XX/2014, and I was never able to return to work. I am now considered XXXX XXXX  XXXX through the Veterans Administration. I reached out to Account Assure when I was no longer unable to make the payments, at that time I was still on short-term XXXX insurance through the company. I submitted everything that was requested and they never stepped in to help. 

Both the creditor and the 3rd party knew that I had the coverage. Every billing statement bore that out. Even though I was led to believe that the creditor was going to assist me in getting XXXX  XXXX to provide the coverage that I had been paying for, instead they simply turned over the two accounts with balances for collections and then closed the 3 other accounts which were in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: TD BANK US HOLDING COMPANY
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: 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 2020-07-01
Company: Santander Consumer USA Holdings Inc.
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:
I obtained a car loan with Chrysler Capital that was opened in XX/XX/XXXX. I lost my job due to illness and as a result had 5 late payments reported to the bureaus by Chrysler Capital for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After recovering and obtaining another job, I paid consistently, not missing any payments until the loan was completely paid off in XX/XX/XXXX. In XX/XX/XXXX, I sent a goodwill letter to the President of the company asking if the company would consider removing the late payments due to the economic hardship that I experienced and consider that I had paid consistently thereafter. The company replied via phone stating that they would not remove the late payments. I sent another goodwill letter XX/XX/XXXX to see if the company would reconsider since I have now paid the entire loan off ( not missing another payment since the hardship ). The company again stated they will not remove the late payments. This company refused to consider a hardship that a loyal customer was experiencing and were not willing to remedy the situation in any way. As a loyal customer who had their first car loan serviced through this company, this is disheartening and uncompassionate. Maintaining good credit is crucial and especially essential in these times and a brief hardship that many of us experience should not get in the way of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
To Whom It May Concern, To say I have been patient and tried to work this out through your normal customer service channels would be an understatement. A little background on my situation is I received credit back from purchases from a few stores and this caused my account to have a credit balance on it. Since I was no longer using this card for daily use, I requested Discover to send the excess balance to my checking account. I was quoted a turnaround of about 5-7 business days. That was on XX/XX/XXXX. It is now XX/XX/XXXX, a full 10 business days from the original request, and I am no closer to receiving what is rightfully mine!

I have been chatting with multiple customer service representatives, but the only response I get is to wait longer. I can not wait any longer because I needed these funds to pay my bills! It is absurd that you can take my money same day but can not give me the money back in a timely manner. I am past my point of patience and need this resolved immediately! This is a clearly violation of my rights as a consumer and feels very similar to unfair and/or deceptive business practices! Discover is taking away my right to use the funds that are rightfully mine in a timely manner and this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: ARVEST BANK GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Arvest Central Mortgage This company continues to pay for funds out of my Escrow, without my permission. 

XX/XX/XXXX - Called to let them I was switching insurance companies from XXXX XXXX XXXX to XXXX. Had my new agent from XXXX even call to validate the switch. See attached email verification. I called XXXX who told verified the policy would not activate as long as they did not receive payment for renewal. Thought Okay I have communicated this switch with my mortgage company, all should be good. Even signed a form for the mortgage company verifying which insurance XXXX is correct. See attached. So, they still paid XXXX AND XXXX. So, two insurance payments our of my Escrow. 

XXXX basically a complete re run of XXXX. They received information from XXXX XXXX and XXXX. We, husband and I, called again around end of XXXX XX/XX/XXXX and asked them to verify what insurance company they had on file, they assured us it was XXXX. And, guess what, they still paid XXXX ... AND XXXX. Even though they have a signed, acknowledgment from me verifying the correct is XXXX. 

This is their mistake and they cant stop making it. Called just last night, they say there is nothing they can do even though they are the ones who issued the money out of my account without my permission. These errors are causing financial unnecessary hardship caused solely by this company incompetence. 

When we ask WHAT CAN DO WE DO TO STOP IN THIS FUTURE? They say, we'll make a note that you only want us to Pay XXXX. 

Why would I want you to pay 2 insurance companies? Stop issuing payments out of peoples accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been trying to resolve this matter with XXXX since XXXX XXXX without success I have requested validation/ verification of account/debt the company or credit bureaus have not submitted me with requested documents to support account/debt ; nor has this negative account been removed from my credit file. I do no have a contract with them ; nor am I responsible/ liable for the account/debt form this company in the amount of. My desired outcome is a settlement. The settlement offer is removal from all credit files and cease/desist all further collection activities.

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 2018-10-24
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian claimed to place a security freeze on my credit based on another CFPB complaint due to fraud in XX/XX/2018. Experian never mailed me a PIN number. Through the online system, i could tell that no freeze was placed. I filed a second CFPB complaint that seemed to work - the online system verifies a freeze in place. The issue is that Experian has not sent me my PIN through multiple online and 2 separate mail attempts since XXXX to retrieve or prompt for the PIN. Online attempts say that they are unable to honor my request and to mail the information in. I have sent the mail format along with requested documentation in twice! I am unable to get in contact with anyone at the company to assist with identity verification so that I can retrieve my PIN.

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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX  XXXX ), XXXX  Account # XXXX ( XXXXXXXX XXXX, XXXX  Account # XXXX ( XXXX XXXX XXXX ), XXXX Account # XXXX ( XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX ), has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide Assignment of debt, Method of Verification and Validation of Debt. 

XXXX XXXXXXXX  # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # 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 2020-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Bank of America case # XXXX XXXX XXXX billed my card for unauthorized charges

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 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX BANK Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX PAVILION PT XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX TOWN XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX MISSION XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX  XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX C XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-30
Company: Experian Information Solutions Inc.
State: GA
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 various items on my Experian, XXXX, and XXXX  credit report. These companies keep sending letters telling me the account were verified. 
I have sent more letters asking them to provide proof under my right to request proof but they have ignored my request and the information remains on all of my credit files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Over the past few days I've received {$230.00} in overdraft fees, even after depositing money, but because of the way checks and my paycheck were posted I received even more including on a XXXX cent withdrawal. I did the math beforehand and at this point I should have around {$200.00} in my checking account with deposits, but now I have - {$70.00}. There is no way I can continue to pay bills, if I keep getting slapped with these fees on top of fees. I will never get caught up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-23
Company: Ability Recovery Services, LLC
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re : Account # XXXX Dear Ability Recovery Services OnXX/XX/2014 I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the XXXX XXXX XXXX XXXX, verification requires all of the following : 1 ) Proof of my agreement to pay the original creditor 2 ) A copy of the final account statement issued by the original creditor ; 3 ) A breakdown of the total amount due, showing principal, interest, and other charges ; and 4 ) For all other charges, the date of and the basis for each charge.

I dispute this collection because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Moreover, I have disputed this account with you numerous times and its still reporting on my credit report XXXX  and XXXX. 

Ability said that they deleted the collection but after waiting more than 14 days this collection is still reporting. That is a violation. I will have no choice but to report your company to the FTC if this collection isnt deleted off XXXX and XXXX in 30 days. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.

Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the XXXX XXXX XXXX XXXX ( section 5-77 ) require that you honor this request. 

Sincerely, XXXX XXXX XXXX Cc : Ability Recovery Services Federal Trade Commission Consumer Response Center XXXX XXXX XXXX Department of Community Affairs

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have not had a XXXX account since early XX/XX/2012. I do not live in XXXX anymore I have been in XXXX since this time. I received a call from some company giving me a reference number and saying I was going to be served papers at my home and work if I didnt call to straighten the matter out, and I could call #, and use reference # they gave me and speak directly to the charging party. So since they have been harassing me for what seems years, I called. The rude lady on the phone, when I asked her for details told me I have to go down the hall to the attorneys office to get the back up. Uh, no you dont, i proceeded to tell her that if they were reputable she would have the info on the screen, and that they are scammers, she told me not to tell her how to do her job and hung up on me. I havent heard anything since. I do not believe this debt to be mine just based on the simple fact that the amount doesnt resonate nor does a XXXX account, I live in XXXX we do not have XXXX here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
Webster bank is insinuating I went into bank when I was in XXXX. I showed proof and they threatened me. I got a legal aid attorney and I filed 500 ftc reports. they are illegal and uncaring crooked bank. they want to blame somebody. thus is not my loan I sent letters from my XXXX and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have had an account with Capital One for a long time I was late on my payments a lot but have for a while now been doing better and paying on time every month because I am about to purchase a house. I sent an email to the CEO to request that they forgive me of two late payments for XX/XX/XXXX and XX/XX/2018 and I express that this was the only thing holding me back from home ownership. I had some financial difficulties at the beginning of the year it was really hard as I am a single mother. But I have bounced back and I am doing really well and paying my bills on time. I have seen Capital one give forgiveness with other members and they denied me saying they don't forgive late payments which would be untrue. I also have a credit card with Capital One that has been in good standing from the start and I have never been late. I would like to know why I wouldn't be eligible for this process and others are?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC Bank will not allow me to link my checking account with any of the apps that I would like to use for assistance in overdraft protection and financial guidance. I should be able to link my account with any company that I choose.

Company response to consumer: Closed with explanation