BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-21
Company: EQUIFAX, INC.
State: NC
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 the app credit karma to keep track of my scores. I recently logged on and saw 2 unknown suspicious accounts that were opened under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts because my credit was ran multiple times. These 2 accounts and inquiries were not made by me. Please take these unknown items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: U.S. BANCORP
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was balancing my checking account online the first week of XX/XX/XXXX. My account was almost {$7000.00} short and none of this qualified for the account monitoring I pay for to be alerted. On XX/XX/XXXX, over {$4400.00} was electronically deducted from my checking to pay for a storage building in California. How this did not trigger any suspicious activity alert, I do not know. Fortunately, this was refunded to me by the bank. Beginning XX/XX/XXXX and going through the first week of XX/XX/XXXX stolen and forged checks were cashed at the BANK BRANCH in person with the perpetrator signing his name, leaving his finger print, and social security number. He was arrested and charged with over 10 felony ID theft and forgery charges, and admitted to stealing the checkbook from my home. I gave U.S. Bank the police report and filled out an affidavit. As stated on the bank 's website I had 30-45 days to submit the complaint, which I did and followed all the requirements asked by the bank.I proved my money was illegally and wrongfully taken from me and the bank closed my account and refused to replace the money. On top of this, the bank closed my account before the last stolen check posted, result in overdrafts fees to the old account. I did everything on my end and I am being dismissed. The bank also allowed over {$700.00} to be electronically stolen in XX/XX/XXXX that I had to catch myself as well. I put my money in the bank so it can be protected from other people, and the bank literally accessed my account without my permission and gave my money away, which is theft. How can U.S. Bank charge for account monitoring and be a federal bank if it can't even protect what little money I had? Money I had to borrow from the U.S. Dept of Education for my tuition. This bank has more than enough to cover my loss, which they allowed in the first place. Had they taken one minute to verify just one of those checks this could have been avoided. I have called over half a dozen times to dispute the denied claim, and ask how they can just hand out a customer 's money when the check is forged, and the teller informed me they do not check signatures or verify checks, as long as there's money in the account they will cash it. How is this fair? How is this a federal banking policy? I just want my own money back plus the overdrafts fees, which is {$1900.00} plus overdrafts.

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 2019-11-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a so many credit inquiries on my report. Im in complete disbelief, someone is using my information on XXXX, loan request and credit card request. I no longer have a credit score none of my finances are being report I work so hard to gain credit now I dont have any. 

Can you please help 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 2020-05-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
God is Great I am being lied about Im married now And me and My wife has called I had a phone Stolen had Insurance!!! insurance received my money payed at XXXX site and never got a new phone in the mail So I called and they said you didnt have a phone stolen so I said I have a police report and you said the phone was not for sale now took off sells it the top of the line Terbite and XXXX phone with Insurance I payed my Deductible and never got a phone that was sent in the mail Amen and cant get my bank protection that I payed for

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 2020-12-02
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute against XXXX XXXX XXXX early XX/XX/2020 when I noticed it appeared on my credit. I had no knowledge of nor was I informed of the debt prior to submission on my credit report. Upon my investigation I found out the it was a 3rd party attempting to collect a debt on a account ( XXXX  XXXX XXXX  ) that was already REMOVED from my credit as it was proven to be a result of identity theft. The removal of that account was over a year ago. in response to my complaint, XXXX  XXXX  responded via cfpb that indeed they did not have verification proof of the purchased account, agreed to stop collection. The credit bureaus however claims that the information is accurate and reporting correctly but will not provide me with proof of validation. The credit bureaus could not have been provided with evidence of validity if the actual company admitted to NOT having validity themselves. This is an attempt to collect an identity theft account and need to be removed urgently. There are police reports, FTC reports, XXXX  cases, numerous CFPB claims and the actual federal government has actually dismissed the loans associated with XXXX as I have NEVER attended this university. Remove this account from my credit.

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 2018-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Card opened XXXX XXXX-I was employed. Needed to rebuild my credit so took this card out with annual fee. XX/XX/2013 lost my job ; I had the coverage on card if I became unemployed>whereby it picked up the payments. Secured new job ; was told I could still use card. Fast forward to XXXX-I noticed my card was 'not available ' for use. I called Capital One and was told the account was closed due to lack of home address ... my mail goes to a XXXX XXXX . Ok, so they closed my account without telling me. Then I asked for the yearly fee or a portion to be refunded and was told 'NO '. My recent conversation with them I spoke with XXXX-he told me I only had 40 days from date account was closed to request that refund. Now ( A ) I never knew the account was closed and ( B ) how come not one other agent ever told me this policy? I want a full refund of the {$60.00} annual fee. It's not my fault this company neglected to secure all proprietary information. and if the original bank who wrangled me into this account sold it off to Cap-One - again NOT MY PROBLEM. I want a credit on my account and will never ever use this bank again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I looked at my credit report recently and found a few fraudulent accounts. I have done everything suggested and they still haven't came off. Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Express Collections, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my debt off back in 2020. They said they would remove this off my credit report and they did and they put it back on a zero balance, I have called them several times and now they will not help me and simply don't care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
i opened the business fundamentals checking account ending in acct XXXX on XXXX XXXX2020 with a promotion of deposit {$20000.00} and completed 10 billpay activity to get {$500.00} bonus. i have finished all the tasks but still didn't get the bonus.

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 2020-05-20
Company: Bread Financial Holdings, Inc.
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/19 I purchased a diamond and tanzanite bracelet in XXXX from XXXX XXXX and financed through Comenity Capital Bank. They held my bracelet at the store while they sized a ring I purchased. I believe they switched bracelets and when I came home from cruise the bracelet in the box was defective. I immediately got in contact with XXXX XXXX and went through process of returning it and waited for a new one. Months went by with many emails from me to them with no resolve. I do not have the bracelet, XXXX  XXXX. has continually lied about the status of the bracelet, and I have all the emails for proof. I filed several claims with Comenity Bank who always says they will research the matter. They have removed the {$3300.00} and then put it back on my card numerous times. XXXX  sent me a voucher for {$3300.00} to purchase something else. This bracelet was chosen as a memory of my cruise to XXXX, I don't want anything else. So I returned the credit voucher to XXXX and made a copy of that voucher which I voided and sent it to Comenity. I have a whole file of correspondence from both Comenity and XXXX. The are still billing me for something I do not have. I want my account credited for the {$3300.00} I paid {$1700.00} for the ring I purchased, and I paid that off through Comenity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04
Company: SIERRA PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company, Sierra Pacific Mortgage, was late paying my hazard insurance. I called them multiple times leading up to the expiration date to confirm they had paid. Each time they told me the check was in the mail as a batch payment to the insurance company. But because they waited until the last moment to distribute that payment, my insurance company cancelled my homeowners insurance. I was without coverage during a major fire season in California, in an area that was evacuated due to wildfires. I made the payment myself via a credit card. I was charged a fee for having my policy reinstated. My insurance company told me they would reimburse me if/when they received the mortgage payment from the lender. But, they'd need to hold onto my payment ( {$1100.00} ) for 20 days as was state regulation. Meanwhile, my mortgage company  sent me a letter telling me my insurance had expired! If my lender had made the payment in a responsible and timely manner, this would not have happened. Thankfully, I had the ability to charge this onto a credit card. I'm sure there are others who don't have the resources to do so. Sierra Pacific Mortgage 's payment policy negates the point of an escrow account and puts homeowners at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX They are calling me 2-3 times a day from numbers all over the country but recently, they have gone local ... XXXX and even right here in my city of XXXX. I asked them where they were calling from and of course they repeat " XXXX   XXXX '' and I say, " No, what city and state '' and I get " West Virginia ''. I say, " How are you calling from a XXXX number, then? '' I get, " Oh, we have numbers all over the country. '' This, of course, allows them to contact you way more than they are suppose to be doing, so it's harder to prove that it is them. I can certainly call up my phone log and highlight the calls if need be. I'm just really tired of this. If they want to contact me, that's fine but to get me to answer in the middle of work by sending their number as a local number is not cool. I think it's an emergency or something with family and I take it and this all goes on during my work time. I asked them not to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Large group went to XXXX THREE YEARS AGO. Now, just now, all 4 of the drivers ( each with own rental car ) gets a notice of a traffic violation? Say -- when do records of car rentals go public in XXXX? Is it after 3 years, per chance? And, none of us did anything to make us think we'd violated ANY traffic laws there. Hmm ... And now, not just a notice, but a notice that we're IN COLLECTIONS, so ( a ) our credit ratings ' necks are all on the chopping block, and ( b ) it's XXXX, and 3 years ago, so we're going to contest this how? Cedars Business Services , LLC wants me to cough up upwards of {$400.00}, just like that. Or else what? -- they trash my credit rating? Talk about easy pickin 's! They have no proof ( in part because I violated NO TRAFFIC LAWS ) ; I can't reasonably fight it because it's XXXX and I'm here ( in America ), and it's 3 years ago ; AND, I have no idea who these people ( Cedars Business Services , LLC ) actually are nor what authority they have to collect on an unproven supposed debt from a foreign country XXXX miles away as the crow flies. And, when you call them, it's a guy with an XXXX accent. And, their bill is TOO LARGE for the return envelope they include. It's a glut of suspiciousness! CAN they ding my credit? On what grounds? On what authority? If I send them my {$400.00}, who gets it? Where does it go? ; XXXX? Show me, 'cause I never got ANYTHING about this shakedown " violation '' from ANYONE but them, and certainly not from XXXX. They need to be INVESTIGATED, and if my credit gets TOUCHED by these people, I WILL fight it by whatever legal means I can come up with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have tried several attempts to resolve this issue with Santander. Santander seems to be overlooking several aspects of my claim. As of today XX/XX/XXXX I have received the tittle to my XXXX XXXX, however have not received any additional funds that were overpaid. Santander overcharged me thousands of dollars, repossessed my car illegally and continue to overlook the situation. If this is not resolved and the money is not refunded, I will have no choice but to pursue further legal action against Santander for Consumer Fraud. 1. On XX/XX/XXXX- The principal owed on the account was XXXX XXXX. ( see attached letter confirming ) the original payment amount was {$380.00} not {$380.00} per the documentation provided by Santander, again a clear sign of consumer fraud. 2. On XX/XX/XXXX the loan was modified based on a balance that was grossly overstated - the modification stated that the Principal balance was {$18000.00} ( see attached letter ) On XX/XX/XXXX when the account was transferred to Santander from XXXX the principal balance was $ XXXX.Santander overcharged me by {$2800.00}. This is a clear fraud. 3. On XX/XX/XXXX the account was modified to lower the initial APR from 13.89 % to 10.14 %, however Santander claims that this was incorrect. How can this be incorrect if Santander confirmed receipt of the modification agreement. ( See attached letter ) the new amount should have been {$270.00} instead Santander charged me {$380.00} The vehicle was repossessed on XX/XX/XXXX a payment of {$1200.00} was made via cc on the evening of XX/XX/XXXX. The car should never have been repossessed. The difference of this was {$1800.00}. plus the repossession fee of {$460.00} for a total difference of {$2300.00}. It is not my problem if Santander fails to keep accurate records. I was offered a modification on XX/XX/XXXX the modification was received by and accepted by Santander. Santander has clearly committed fraud by overcharging my account almost {$6000.00}. If Santander wishes to overlook this I will file a consumer fraud lawsuit against them, where as they will have to pay triple damages including my attorneys fees and cost. It is to the best interest of Santander to settle this as soon as possible. I will further send this information to the Attorney Generals Office for review. As a settlement I am willing to accept {$5000.00}. I have provided all the necessary documentation to prove the fraud that has been committed by Santander. Thank you -

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Bank of america wont send me another replacement card I need it urgently. I need my debit card I got bills to pay and if not I would take u guys to court

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 2023-11-01
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt XXXX years ago, and the company that originally had it, XXXX and XXXX, sold it, anyway. Every few years, it gets sold down the line and another debt collection company buys it and annoys me about it for a couple of months until they give up. 

This most recent company has threatened to take me to court, even after I explained that I had proof that the debt has been paid. I told them to go ahead and file and stop calling me. They've called me three more times since then.

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 2020-11-30
Company: EQUIFAX, 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:
There are late payments reporting on my report that are extremely inaccurate for my auto loan. I did not make late payments over 30 days past due from XXXX to XX/XX/2020 I have attached proof so that these payments can be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Statebridge Company
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, my mortgage was transferred to StateBridgeCompany. The summer property tax payment was due at the end of XXXX. They did not pay this on time. The city charged my account a late fee of 0.5 % of the amount owed, coming to XXXX. StateBridge finally made the property tax payment on XX/XX/XXXX, including the late fee and charged all of it to my escrow account. 

I called them at least 6 times in the past month to find out why they charged the late fee to my account, and they have yet to resolve the issue. More than once they promised to call me and have not. I sent them all the information they requested to their escrow department, I left messages for the supervisor to call me back, all to no avail.

Company response to consumer: Closed with explanation