BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-06
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Valley National Bank today notified me that my credit card had been compromised. I allege that the credit cards of other customers were hacked as well and that this bank is being coy!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
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: Account information incorrect

Complaint:
XXXX  XXXX is reporting an open account on my Equifax and XXXX  in the amount of {$2000.00} that does not belong to me. 

On my credit report XXXX XXXX shows this alleged debt was sold to a collection agency and both XXXX XXXX and the collection agency are both trying to collect double on what appears to be fraud. 


I do not have any open accounts with XXXX XXXX and this needs to be removed from all 3 Credit reporting agencies immediately, XXXX XXXX is sending the credit bureaus inaccurate information which has caused me to be denied loans and job employment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03
Company: Experian Information Solutions 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:
I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen, including my passport and driver 's license. Several accounts were opened in my name after the theft. I filed a police report and have attached a copy of the police report and a copy of my passport to this dispute. 

Three accounts remain on my credit report from this identity theft even after disputing them and receiving notification from the creditors that they would be deleted. 

XXXX XXXX XXXX CC # XXXX XXXX XXXX informed me via the Consumer Financial Protection Bureau that they believed I am a victim of fraud. Even with this declaration from XXXX XXXX this negative account that was opened due to identity theft remains on my credit report. 

XXXX XXXX XXXX  XXXX XXXX XXXX  informed me via the Consumer Financial Protection Bureau that they believed I am a victim of fraud. Even with this declaration from XXXX XXXX this negative account that was opened due to identity theft remains on my credit report. 

XXXX/XXXX  XXXX XXXX # XXXX This debt collector informed me via the CFPB that they were sending a deletion request to the three credit bureaus asking for this to be deleted from my credit file. It still remains on at least one of the three reporting agencies. 

The following inquiries are showing on my credit report and were authorized without my knowledge or consent and are a result of identity theft : XXXX XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/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 non-monetary relief
Consumer complaint received 2018-12-06
Company: Netspend Corporation
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Called to open dispute XX/XX/18. Called back in XX/XX/XXXX for update yo find that dispute was never opened. Was officially filed on the XXXX was was lied to about immediate credit. Waited 1 hour for supervisor who never answered. Filed complaint with XXXX XX/XX/XXXX. XXXX agent, XXXX, reached out that same day. Offered {$40.00} customer satisfaction credit, not effecting provisional credit due XX/XX/XXXX. Nothing recieved XX/XX/XXXX so i reached back out to XXXX who never returned my call. Called XXXX  and was told that it would be XX/XX/XXXX. Check amount today, XX/XX/XXXX, and still no deposit. Reached out to XXXX AGAIN with no answer and to return back XX/XX/XXXX. Representatives not giving consistent info, are very rude, supervisors never answer their phones and constantly interrupt.

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 2020-12-03
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 I went to make my monthly payment on my Synchorny XXXX XXXX XXXX  Card and was prompted that my account had been closed. My monthly payment is not due until XX/XX/2020 but I paid it early. I generally pay on it bi-weekly just to make extra payments and keep interest down. I paid on XXXX and XXXX. I called customer service and was told that I received a letter in the mail stating why my account was closed, which the rep said it was closed on XXXX. When I paid on XXXX XXXX my account was not closed. I never received a letter just the monthly bill. The representative told me they pulled my credit report to see what I was spending my money on and made the decision to close it. I explained to her that makes no sense for a company to continue to pull my report like and cause my score to drop by doing so. I asked for a manager so I could get the information on filing a report. The manager decided to argue with me stating " how do I think we receive increases on cards ''. I explained to her you receive increase based on your credit payment history with the company not from them pulling your credit report. She refused to give me the consumer complaint information to make a complainant and continue to try and argue me. She then stated they mailed a letter on XXXX, weeks after the initial rep said it was closed. I have not missed a payment on my account and my account is in good standing yet they have closed my account and caused my credit score to drop 54 points by doing so. From the complaints filed with the XXXX  they have done numerous people like this within the last 6 months. Someone has got to do something about this. They are ruining our credit closing accounts like this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Previously filed a complaint against the same Debt Collector : XXXX They responded to CFPB with false information. They also indicated that they have requested credit bureau to delete the account. 

I have spoken with credit bureau, they have researched and said they have not received any requests from this collection agency to delete the account. The also mentioned that they usually received requests immediately and accounts are deleted imeediately BUT in this case they do not have any requests.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Direct Recovery Services, LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On/about XX/XX/2021, my cell phone and my business phone both rang with the same phone number. It was a robotic call. It didn't state the company name or what the call was in regards to. After work, I called the number and asked for the company name. I was told she couldn't give me any info unless I verified my identity with them. Once I verified my identity, she reluctantly gave me the company name. I told her to cease all communications to my work number or cell number and told her I only wanted to have communications via mail. I requested a full financial history of the debt to be mailed to my address. Within minutes after the call, the rep emailed me. On XX/XX/2021 I went onto the website and submitted a " contact us '' asking to cease all communications via email and phone calls and to only communication via USPS mail. I also requested a full financial transaction history of the debt to be mailed to my residence. Since this request was submitted, I've received at least one phone call per day on both my personal cell and my business phone. My boss has told me I'll be fired if the calls continue. I have not yet received the requested documentation in the mail, or any other way otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Capital Management Services, LP
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Wednesday, XX/XX/XXXX, I received a phone call from Capital Management on behalf of another third party, XXXX XXXX XXXX, for a company called XXXX XXXX XXXX. I informed the caller I have no idea what this company is nor did I ever have an account with them. I then received a letter in the mail stating that Capital Management has been engaged by XXXX XXXX XXXX on behalf of XXXX XXXX. Again, I have never applied for credit or have any knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Santander Consumer USA Holdings Inc.
State: GA
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:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax has me locked out their credit reporting site because a XXXX didn't like my XXXX and was just the rudest ca person I ever met. 

05 hard inquiries are put in as fraud or the customer service person did it on purpose. I wish I was lying but these XXXX  are just rude and taught XXXX law not American law. 

They are taught to hang up on you and to say no matter what the FTC American laws. 

5 inquireys ruined my report. They are all fraud and had credit freeze on them. 

XXXX CREDIT CARD FROM 08 YEARS ago want come off credit report. I think the XXXX  from XXXX hate Americans and did this to XXXX me. Nothing I can do but sue, take to small claims court, or call Pattorney general of my state. 

Use a credit card should have been off my report a year ago. They are doing this to help businesses and not consumers. 
It was XXXX dollars and it was never showed by the end FTC laws that this was legal. Fcra laws tells exactly how the investigation section 604, 609, 611 and 623. These federal and state laws were not given the right investigation that people could go to jail. 


XXXX also says I was late 4 years ago and they have lied to the FTC and FAIR CREDIT REPORTING ACT. THEY NEED TO BE SUED AND GO TO JAIL. 



XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Ditech Financial LLC
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I requested my paper work on XX/XX/2019 for my pay history and also for my payoff .I have two remaining payments on my home that I have all the paperwork for but ditech refuses to send me my paperwork .Ditech says we owe 5 more payments .But I have received letters from them stating totally different amounts so that is why I requested my payment history from ditech I have called so many times asking them where my paperwork is and every time they give me lame excuses.I have made all of my payments to them to date we even over payed them ..I have all my paperwork to prove this.When I have called them about where my paper work is within three or four days later we get a letter from ditech stating our insurance isn't exceptable and we better get it fixed or they will place  force their own on us .I have always had my own insurance the whole twenty years { I have all my proof of this } .I am tierd of dealing with real rude and nasty people from ditech .And to top it all off yesterday we got a notice in the mail that Ditech fieled for chapter XXXX for the second time .This company needs to be shut down not given a waver of dismissal for their bad miss handling of company funds.They prey on lower income people and ditech calls us high risk ..how dare they ... they are filing for chapter XXXX AGAIN..thankyou

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX ( Representative : XXXX XXXX XXXX & XXXX XXXX ) has been reluctant in addressing my concerns of their unlawful mortgage assignment n my property. I requested the following : # 1 A clear documented chain of title, from the origination initiated by the lender up to its current " Trust & Servicer. '' # 2 A bill of sale for each assignment and documentation of the delivery an acceptance receipt from the originator to the sponsor, a delivery an acceptance receipt from the sponsor to the depositor, and a delivery an acceptance receipt from the depositor to the Trustee 's. In addition to all original notes, all on-time payments made and all original documents that were executed from the originator up to the current Trust & Servicer 's. See attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: LendingUSA
State: NY
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 following accounts appear on my credit report, without any authorization, they are not mine Identity Theft LENDINGUSA Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.. 



5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: Experian Information Solutions Inc.
State: AE
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 sent a debt validation letter to XXXX XXXX on XX/XX/2018. They are unable to hard copy proof validate the debt.

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 2018-03-24
Company: EQUIFAX, INC.
State: AE
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 sent a debt validation letter to XXXX XXXX on XX/XX/2018. They are unable to hard copy proof validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2019 I contacted a seller named " XXXX '' on XXXX.  They were selling four ( 4 ) tickets to the XXXX XXXX  XXXX  for {$70.00} each. The event is tomorrow in XXXX XXXX. 

We started a text conversation. They provided the number XXXX. We exchanged a number of texts, which helped me gain confidence. I have never used XXXX before ( or again ). 

They suggested we use XXXX for the fund exchange. This is a function within my Bank of America application, whereby I assumed it was supported by the bank. The e-mail address provided was XXXX. I suggested I send {$140.00} for two of the tickets, await arrival before completing the transaction for all four tickets. 

I sent {$140.00} via XXXX at XXXX XXXX PDT on XX/XX/2019. I awaited the tickets but nothing came. I texted. I called. No response. The sellers post was subsequently removed from XXXX. I was scammed. It is deflating, embarrassing and disgusting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: BBVA FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had a Simple account that got transitioned over to BBVA. I can not access my account online and their customer service is atrocious. I was on hold for 30 minutes and ended up getting hung up on. Tried again and have been on hold for two hours with no end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: JPMORGAN CHASE & CO.
State: MO
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:
JP Morgan Chase Bank, NA ran my credit/processed an application for an auto lease that I didn't approve or authorize. I visited a car dealer in XX/XX/2018 to shop for auto leases. I did not allow for a lease application to be put through, as I did not select a vehicle or finalize any part of a lease transaction. JP Morgan Chase ran an unauthorized application for an auto lease without my permission. The report should not have even been run, as my credit is frozen. I want all records of this credit application removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Submitted documentation and Numerous times and cord customer service or several occasions regarding inquiries that was unauthorised and / fraudulent refused to remove inquiries from personal credit report The company requested training credit report and also have received documentation of reversals that inquiries have not yet to be re move for my TransUnion Report TransUnion refuses to do diligence and to my particular situation And make the necessary adjustments Transitionally refuses to offer assistance and representatives of credit bill representatives of credibule have been rude on professional put on professional Uncompassionate of the difficult times that our nation is facing

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 2018-03-23
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This is with no surprise, the so called BIG people they do whatever they want PAY-PAL, yes I saw the thousands of complaints online, but something has to be done here. whatever the reason and no reason, they are just holding consumers money in the millions, all year round for 6 months, for them it's free money, and for the IRS it's not an income. with out any regard to the financial burden, and suffering people are going through, and the financial credit ratings people suffer., because they cant get their money to pay bills. Please take a look what I finally faxed them, and they have not replied. I urge you to go online to the XXXX  & to XXXX and see and read for yourself what is going on with this company. 
there are NONE complaint, zero, and NO charge back, and I never had one not even with XXXX or XXXX. they should release my money, holding it since XX/XX/2017. The only thing people get is spending hours on hold and get the run around, but not their money. If I travel out of my State and charge my CC, they will contact me right away, the same here with PAY-PAL, they don't want to deal with large charges, than deny the transaction, but don't accept and hold on to their money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: Bread Financial Holdings, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit inquiry from commenity big lots. I did not apply for credit. I called them they transferred me would not help.

Company response to consumer: Closed with explanation