BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-13
Company: Allied Collection Services, Inc. (Nevada)
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account 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 2019-08-03
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have the impression that Equifax has made their " Free '' services non-functional by design so as to sell their paid tier. I shall outline the facts below. 

On XX/XX/XXXX, I went to Equifax.com to check whether my credit score was " frozen '' -- as I had placed a freeze in XX/XX/XXXX after their well publicized data breach. It was impossible to create a functional working login and password on their main website or any of its services : MyEquifax.com, LockAndAlert.Equifax.com, etc.. For each of these Equifax services XXXX I could set up credentials but then the login and password were never recognized when I tried to log in. I called their customer support line around XXXX XXXX EST on XX/XX/XXXX and had to wait 50 minutes to speak to someone who only transferred me to another representative, making me wait another 60 minutes to transfer me to someone else. It was exceedingly difficult to merely place a freeze on my credit file. 

Furthermore, it took a series of emails with Equifax, in which they ignored my essential question about how to " reset '' my password, in order for them to finally send a password-reset email, which arrived on XX/XX/XXXX. When I finally reset my password today ( XX/XX/XXXX ) the new password, again, was unrecognized by MyEquifax.com. 

I believe that this firm has violated and continues to violate my rights to manage the privacy of my credit file. I believe that Equifax has purposely and willfully made its non-paid tier of digital services effectively unusable for XXXX citizens like myself who do not want to pay this firm to actively monitor and help me control the privacy of my own credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX and my is DOB XXXX. I have attached my bank SS Card and DL for proof of ID

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I applied for an auto loan at XXXX to purchase a vehicle and received financing from Santander Consumer USA for a loan amount of XXXX. I put down {$800.00} and traded in a XXXX XXXX XXXX that was worth {$6400.00}. I was only given $ XXXX for the trade in value that was used to pay off a title loan at 17 %. XXXX issued financing from Santander Consumer USA at the rate of 26 % for 73 months. The salesman stated the rate is not negotiable. I could not speak with Santander Consumer USA. I believe there were incentives to the dealership for this exorbitant interest. I have made 15 payments since XX/XX/XXXX and the loan amount is {$19000.00}. I believe ECOA was violated. I was unfairly treated when issued this higher interest rate. I was discriminated against because of my sex and race.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
I disputed an account called XXXX XXXX XXXX with Transunion which is a credit card on my credit report because it was inaccurately reported as closed and past due. I also reported XXXX XXXX to CFPB in a previous dispute for violating my FCRA rights and falsely ruining my credit. This account was supposed to be in XXXX status and I never received bills or any letters or notifications from XXXX XXXX believing that the account was put in the correct status per my request before XXXX. What I came to find out was that XXXX XXXX XXXX failed to note my file as XXXX or lost any notes stating that it was in this status. However they were reporting my card as current for three months until this XX/XX/2019 when their system had an error. I sat on the phone with XXXX XXXX XXXX for 4 hours talking to a supervisor named XXXX who told me to dispute this with each credit bureau and they would correct it when the bureaus contacted them. Before hanging up the phone with XXXX I also made a {$200.00} payment for my XX/XX/XXXX payment which isnt due until the XX/XX/XXXX,  meaning I paid my bill well before its due date. This was something I was told would also be corrected on my credit report. 

This morning I was told my investigation was complete by TransUnion and that not only did they not correct the status of my XXXX XXXX account and return the 40 points they took from me they reported XXXX XXXX as an entirely new account, meaning they dont have to give my points they stole off my credit report due to a direct falsely reported status by XXXX XXXX. This new account that they posted instead is the exact same account number. This is illegal to XXXX with people credit like that. Its ruining my credit and making me look untrustworthy as a consumer.

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 2019-05-12
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
I have mailed a letter to American Express asking to close the credit card account ending in XXXX. For one there are outrageous late fees being applied to the account and I dont even know what the exact charges are. I have even had a balance transfer to try and resolve an issue with American Express. The balance transfer doesn't show any charges what so ever. I have also asked for a payment plan and sent monthly payments however those payments have not been acknowledge and they have went as far as to post this on my credit. I also have reason to believe that someone other than me is trying to access this credit card account. A man at XXXX XXXX XXXX ( manager ) in XXXX, GA even thought the credit card was maxed out which was very strange as to why would someone automatically assume they know about someones financial situation. A letter had already been written to close the account and was no longer being used. American Express continues to double to the fee by XXXX every month and they act as if the account is still open. It is getting out of hand. I have reason to believe that someone is still trying to add charges to the account. I have also had an issue with payments not being posted to the account after being sent. I also had problems with the account balance not being updated after payment has been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: PNC Bank N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/XXXX, I went to PNC Bank branch to make a {$2000.00} withdraw from my checking account. 

XX/XX/XXXX, I went back to the same PNC Bank Branch to speak to XXXX XXXX after finding out from PNC Bank main headquarters that XXXX XXXX bank teller she was the one that opened a credit card application without my knowledge and without my permission. XXXX XXXX told me she did n't open an application, I told XXXX XXXX that the credit card application bares her name on it, she went into a frenzy and went on the computer and she stopped talking to me. 

I believe that I was single out because I 'm a senior citizen, my age and national origin. THIS MATTER IS N'T AN MISUNDERSTANDING IT WAS AN INTENSION AND DELIBERATE ACT TO COMMIT FRAUD FOR FINANCIAL GAINS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
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 fraud alerts or security freezes

Complaint:
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX and my is DOB XXXX. I have attached my bank SS Card and DL for proof of ID

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 2022-03-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citizens Bank has repeatedly failed to respond to three claims of fraudulent wire transfers to another account at its bank. It was initially reported in-person at their XXXX, XXXX branch XXXX XX/XX/2022 to its branch manager, XXXX XXXX XXXX It was on that date that the fraudulent transfers were discovered. The subject account was originally opened and maintained at this location. 

On XX/XX/2022, I called Citizens ' customer service number ( XXXX ) to check on the report of the claims. I spoke with representative XXXX XXXX. She said she would escalate the claims. She also conferenced in XXXX XXXX to discuss. She took my phone number and said she would call me back. She never called me. I believe this is a recorded line. 

On XX/XX/2022, I called online services ( XXXX ) to follow-up on the claims and also emailed XXXX XXXX. The person I spoke with updated the notes on the account to reflect that I was calling for an update. 

On XX/XX/2022, I called online services again but wait time was very long. XXXX XXXX called me to see if XXXX XXXX has reached out yet. I let her know that I had not received a return call. 

On XX/XX/2022, I called online services again. I was advised that a claim had been open for two of the transactions ( Claim No. XXXX, dated XX/XX/2022 ) but not the third so another claim number ( XXXX ) was opened on XX/XX/2022. The representative informed me that I should receive a letter within XXXX days advising on the status of these claims. I never received a letter or letters confirming or advising on the status of these claims. 

Despite calls on XX/XX/2022 ; XX/XX/2022 ; and XX/XX/2022, I have yet to be able to obtain a status on these claims for fraudulent transfers. I have waited, at times, over an hour on the bank 's online services phone line without ever reaching any representative. I can only call since there are no Citizens bank branches in XXXX, where I reside.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/XXXX and was accompanied by a dispute submitted directly to TransUnion. The dispute number was XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my dispute on XX/XX/2021. This is not a delay : this is negligence on the part of TransUnion, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by TransUnion to resolve anything. the DAY after I filed my original complaint, data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion must be held accountable and to the standards clearly outlined in the FCRA.

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 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 10 months, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04
Company: JPMORGAN CHASE & CO.
State: CO
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:
Saw an offer on XXXX for a Visa card that would earn me a Companion Pass if I met the minimum spending ( MS ). That was on XX/XX/2019. ( you can see in the attached screen shot that I saved this to my PC on the XXXX ) I signed up. 
When I met the MS and did not receive the Pass, I inquired. 

XXXX directed me to Chase Bank, who said that the offer did not " open '' until XX/XX/XXXX. Nowhere on the ad was that stated ( it just said the offer was valid through XX/XX/XXXX ). 


They are refusing to honor the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: STERLING JEWELERS, INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As of XX/XX/2019 these fraudulant accounts have not been verified through signatures, photos or any other verification method that substantuates the adverse results on my credit report XXXX, XXXX and XXXX. The following accounts are to be taken into consideration : XXXX  XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to bank lender to try to apply for a personal loan and I was not denied, but I also was not approved with the amount I was needing, due to my credit not being good enough. I then asked the lender to show me my report to see what was the reason behind this and I realized several derogatory items that should not be on my credit report because the items do not belong to me. Please remove these derogatory items from my report. Someone has taken my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Earlier this year I started receiving credit report information for a person named XXXX XXXX with the last 4 of his SSN being XXXX. The report said that his new address was now being reported as XXXX XXXX XXXX XXXX, XXXX, MA XXXX. 

No XXXX XXXX has ever lived at this address since I built this house in 1997 and have been the only owner since that time. My information is XXXX XXXX XXXX. 

I called the TransUnion number on the report 4 times and was handed off multiple times with offshore representatives and was told it would be corrected. Just this week I received more financial solicitation mail for XXXX XXXX at my home. 

I would like this corrected and TransUnion has been less than helpful and a drain on my time. Why is XXXX XXXX claiming my home address anyway? I would think that TU fraud would have looked into 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 non-monetary relief
Consumer complaint received 2019-06-15
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom mortgage company 's insurance department made an error at the end of XXXX but writing a check to the wrong homeowners insurance company. That check was then cancelled but the money wasn't refunded to the escrow account for over 5 months. This caused my monthly payment to increase do to there now being a shortage in my escrow. For 5 months, they denied that there was an error and that my account was short. Once they located the money in the amount of {$2200.00} it took long after the close of the mortgage for the money to be placed back in our escrow. The mortgage closed out on XX/XX/2019. I've called the company only to be told that a ticket will be issued for a request for the funds to be funded many times. The money should not have been missing in the first place, nor should I have been charged a fee at closing for having an escrow shortage. I've asked that they expedite the refund back in XXXX. Was told 7-10 days for a check to be written. Still on XX/XX/2019, there isn't a check issued. Another request was issued today. I have lost faith in freedom mortgage company 's ability to refund this money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
FLAGSTAR BANK sent a loan modification agreement in XXXX XXXX, which I have been making payments on consistently since XXXX. They sent the documents with the wronf name and I could not sign them. I have been calling every week since XXXX and have spent countless hours on hold and talking to them. I was assured time and again that I would receive revised documents in the correct name. They have had proof of my name change since XXXX XXXX  XXXX. XX/XX/XXXX, I received a new loan modification agreement in the wrong name and a higher payment by {$200.00}. I was then told after calling 4 times, that i would get corrected documents with the original modification terms. On XX/XX/XXXX, I received documents in the correct name, but the higher payment. They told me that FHA won't accept the original loan modification because it expired. It is Flagstar 's fault that it expired, and I was assured that so long as I made payments according to the agreement, I had nothing to worry about. FlagstaXXXX has given me 10 days to sign these new documents. Also, I was told by abother department that the balance listed on my partial claim agreement is higher than what is actually owed. I am now requesting an accounting of my loan and payments.I contacted FHA, and they have no record of stating they will not accept the prior agreement.

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 2018-01-24
Company: Executive Financial Consultants, Inc
State: MO
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 no medical bills with this company. This clearly belongs to someone else. Both my birthday, and SSN have been erroneously reported via XXXX, XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation