BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-11
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Good Afternoon, My name is XXXX XXXX and I am writing to finish my ongoing battle with XXXX XXXX on some unfair and unreasonable marketing tactics. To start off I have been at this for a while with them and as of late I was obviously distressed and upset and still am for the treatment I had been given from them when dealing with my two vehicles I had purchased from them. Some emails had been exchanged on my part that I do have to apologize for but I have been and still am upset and just was trying o get what I believe is fairly owed to me. I have made all of my payments on time and will becoming up on a year now and have nothing to show for my troubles. My Credit Score hadn't gone up and the way they financed my new vehicle they made out and was able to increase my interest rate because of no fault of my own. They did offer me a settlement which at the time I had planned to reject because I was to give up my rights and youldnt complain any further but wrongs done to me. So I did reject it but before I could I was contacted by XXXX from Customer Relations with the message that offer of settlement was rescinded due to my emails and them basically coming to the conclusion that no matter what they did I wouldn't be happy. Looking back I should have taken the offer but glad I didn't because I still have the right to complain about horrible situations this company has put me into. They offered me to give me my original interest rate I had on my 1st vehicle I had purchased back from me because of the mechanical issues that I was having and going back and forth with them that this vehicle shouldn't have never been sold to someone in the General Public. Not to mention money I had paid into my first vehicle I wouldn't see back because it was time that I waist that vehicle which I was ok with at the time but was understanding that my Onetime payments would reflect my new interest rate. First they said it did before it was deleted and got another answer all together afterwards. I want what is fair tired dealing with this company by myself I was told even though the CFPB has no legal opinion in matters but could help me the customer who has been done wrong by a company who clearly takes advantage of consumers that have horrible credit and expect them not be able to fight back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: EQUIFAX, INC.
State: HI
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:
In their response to my complaint # XXXX XXXX XXXX XXXX XXXX stated that they removed my name from account # XXXX on XXXX XXXX 2017 as an additional card holder and notified all four nationwide credit reporting agencies on XXXX XXXX 2017, which includes Equifax to update their information to reflect this new information. However, because my credit report from Equifax did not get updated as of XXXX XXXX 2017, I called Equifax to find out why and they told  me that they have not received any communication from XXXX XXXX XXXX XXXX. I was told that information by 2 different persons at Equifax on the same day. My husband also tried to call the contact person from XXXX XXXX XXXX XXXX mentioned in their response to the complaint. Her name is XXXX XXXX, XXXX XXXX XXXX and her telephone number is XXXX, extension XXXX. She did not respond to messages left at that number. On XXXX XXXX XXXX my husband spoke to a credit card servicing agent at XXXX XXXX XXXX XXXX to discuss the conflict between what they reported in their response to my complaint and what Equifax was reporting to me and they stated they would re-submit to Equifax the updated information and notify my husband when that was done. There has been no response from them as yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number. 
My SSN - XXXX CITIZENS ONE AUTO FINANCE Inquiry XXXX  XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: DISCOVER BANK
State: CA
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/XXXX I booked a hotel reservation for a hotel called XXXX XXXX in Hawaii for to stay in XXXX, through XXXX, serviced by XXXX. Soon enough, all travels were being cancelled due to response to Covid-19, XXXX shut down it's customer services and had updated their website mentioning all booking may be cancelled. No support services were available ( no phone, email etc ), their website simply had text update to reach out to the hotel directly. Upon confirming with the hotel the reservation was cancelled by the travel vendor. As of XXXX, XXXX XXXX XXXX is no longer functioning. 

I filed a dispute on XX/XX/2020 with Discover Finance a {$910.00} charge by a travel vendor XXXX. The charge was still there, I had no means to directly contact the vendor directly to recover it. Discover Finance at the time was in favor of my dispute. Until my dispute was reversed in favor of the merchant, and the {$910.00} charge was placed back to my account in XXXX. 

The dispute notes from Discover says that the vendor claims I made no attempts to reach out to them to cancel the booking, thus the charge is valid. Discover found this enough to reverse the charge and in my attempt to re-open my dispute they let me know " in order for us to review our options, we will need written documents from the merchant stating that a full refund is due to your credit card ''. I called the support number to attempt to get support on this dispute on XX/XX/XXXX, even though the respondent agreed it should be reversed in my favor, she needed a supervisor to contact me. I was told to wait 48 hours and someone will contact me. I waited two full business days, no one has attempted to contact me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am trying to clean my credit reports to the current date. I have sent letters requesting the removal of the bankruptcy reported by XXXX XXXX XXXX. I had the bankruptcy removed from this reporting agency back in XX/XX/2021. I have constantly written to XXXX, Experian, and XXXX requesting that this information be removed, to reflect that it was removed from XXXX XXXX XXXX report in XX/XX/2021. I will list all my information concerning this in my disputes and show how they will not update my credit report, with the current information that is reported by XXXX to date. All information related to the Bankruptcy and accounts should be removed from all three credit reporting agencies. These credit bureaus, that I have worked with over the last 3 to 4 years, have cleared information from my reports with no problem. I have removed old addresses, phone numbers, and incorrect business names, that were connected to someone with the same name as mine. This has become a really difficult process, but I must fight for my credit history to be updated to reflect my current situation.

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 2018-10-11
Company: BARCLAYS BANK DELAWARE
State: HI
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:
InXX/XX/XXXX Barclays offered to help with payments by decreasing the interest rate & I would pay a set amount. I setup automated payments on their website which was fine. Credit report shows payments being 30 days late when I do not believe they were. In XX/XX/XXXX I continued to make payments in accordance with their terms although in XX/XX/XXXX they reported I made no payment when in fact they debited my checking account. I believe this little posting error led up to me not meeting the conditions set forth & allowed them to get out of this contract to pay up my balance at a lower interest rate but not have any revolving credit. I tried in XX/XX/XXXX to make a catch-up payment but they had already selected my account for collections but I had not yet been contacted by the collection agency. This company has made thousands of dollars from me in interest charges but yet did not offer me any loyalty to eventually pay off my debt. It was easier for them to write me off. In the final days of my account they show me as up to 180 late yet I was still on their reduced payment plan. My credit was hurt from 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 2017-09-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX, XXXX I had ordered a new card through JP Morgan Chase 's telephone banking because the card I had was n't working correctly. I would have to swipe a few times before it actually worked. I never received the card I ordered and on XXXX XXXX I called back to customer service telling them that I still have n't received it. They told me the card was still being processed and there was a demographic change on my account causing my card to delay. They stated the only way to over ride the card was to go into a branch. On XXXX XXXX I went into the branch and unbeknownst to me she closed the card I did have. And only when I went to the market on the XXXX I found out the card was closed. She also stated that it would be rushed delivered. I went back to the branch on the XXXX telling them the closed the card without my knowledge and that I needed some way to get around for the weekend also I waited on all day on Friday to get the card and still nothing came. I waited as well on Monday the XXXX because they stated that it was past the issuing time that it was delayed by a business day. So on the XXXX XXXX called Corporate they did n't know why this was happening and to go back to the branch. I called the telephone banking spoke to someone in the fraud department and he stated he fixed the demographic hold on my account and would rush deliver no later than Thursday the XXXXAnd to call back in the morning to get a tracking number so I called the XXXX for a tracking number and they could n't give me one so this morning the XXXX called to get a tracking number so I can have an estimated time when it would be delivered. They told me to go into the branch and have them approve the override and to tell them to call consumer services to reopen the card I had that was originally giving me problems and the card I ordered on the XXXX was still being processed. Went into the branch and no one could help me. The personal banker told me to leave the branch or she would call the police on me that she could no longer help me. I told her to go ahead and to give me the district managers number because my card that I had was closed and all the cards I ordered have never been received or even shipped. And no one was held accountable for giving me the run around. It feel distrimated and be little by them. To be told they would call the police is a big threat I was n't violent or yelling simply want to resolve this issue before I go out of town next week. I have XXXX little kids if an emergency arise where I ca n't get to them because I have no card to get gas I would hold them accountable. I have all three emails stated I ordered a new card but my personal information is on it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: NCB Management Services Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
NCB Management Sevices company is practicing illegal collection activity and also inaccurate credit reporting. Back in XXXX of XXXX I contacted this company after I noticed they put a collection account on my credit after I filed chap XXXX Bankruptcy and discharged as of XX/XX/XXXX. I contacted them and filed a XXXX  report. I rec 'd a letter from the Chief Compliance Officer by the name of XXXX XXXX, and it states verbatim that they ( NCB management ) will remove all things that are reporting on my credit for all 3 bureaus effective immediately. They did state that it could take up to 60 days. I look in XXXX of XXXX and everything was removed. Well last week around XX/XX/XXXX, I looked on my credit because I go an alert and yes, the item they removed in error was back on my credit. When I called them yesterday XX/XX/XXXX, they acted as if they had no clue what I was talking about. I req 'd to speak to a manager. His name was XXXX and he said it was put on my credit again XX/XX/XXXX. I told him that was the same date of the letter sent by XXXX and they are practicing illegal collection and reporting practices and I'm going to report them again. So here we are and I need to know why this collection company is still in business and making false claims against my credit with no regard. I would like this addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Santander Consumer USA Holdings Inc.
State: NE
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 are reporting a collection account with Santander Consumer bank in the amount of {$19000.00} on my XXXX  and XXXX credit report. This is not my account. I have disputed this account several times with the credit bureaus and the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: BMW Financial Services NA, LLC
State: FL
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 authorized an agent at a BMW retailer to check my qualification status for a loan on a trade-in. The agent then proceeded to pull my credit 4 times, from four different lenders without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: NJ
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:
in accordance with the fair XXXX XXXX act XXXX XXXX  my rights 15 US C 1681 section 802 A. States I have the right lo privacy.

15 US. C 1881 Section 804 A Section 2 : 2 also states a consumer reportng agone ) can not fumish a account witout my writen instructions XXXX. XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Account type Collection XXXX. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card XXXX. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan XXXX XXXX XXXX XXXX Account XXXX XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hi there, My checking account with TD bank got charged {$25.00} maintenance fee for XX/XX/XXXX and XX/XX/XXXX, totaling {$50.00}. Its term stated that the account should maintain a daily amount of {$2500.00} to avoid the $ XXXX monthly fee. However, it didn't specify whether it is the average amount across a month or exactly any single day within a month. I thought it was the first scenario since other checking account products at other banks utilize the measurement based on average daily amount and TD bank didn't specify it in its terms. I didn't know about its specific policy until I noticed that I got charged and talked to them. They refused to waive the fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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:
Hello. I got a notification from XXXX  that someone attempted to open an account today between XXXX and XXXX EST XX/XX/26. I did not apply for credit, nor did I wish to open any accounts. My information has been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26
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 AM VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED ALL MY REQUIRED ITEMS TO TRANS UNION AND TO XXXX, THE CHARGES ON THIS PERSONAL LOAN IS FRAUDULENT. I HAVE NEVER REQUESTED A LOAN OF ANY KIND FROM XXXX. SOMONE STOLE MY INFORMATION AND OPENED A LOAN ACCOUNT WITH XXXX. I HAVE SUBMITTED ALL REQUIRED ITEMS TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Withdrew {$200.00} from Regions ATM on XXXX XXXX in XXXX TX on XX/XX/XXXX around XXXX XXXX  while waiting for a restaurant to open from one checking account and immediately re-deposited cash into my mother 's checking account. Machine froze after entering debit card and cash into machine and then entire machine turned off. Immediately called bank to get issue resolved. Was told that the bank manager would get an email to make sure ATM was balanced and issue would be corrected. Was told they could not give me confirmation of phone call and to call back within 72 hours if the issue was not corrected. Called back on XX/XX/XXXX, 72 hrs later, and was told they meant 72 business hours to check why it was not resolved if the money did not show up. Was told to call back the next day. Called XX/XX/XXXX and was told my claim was denied on XXXX because they did not find a {$200.00} check. I reiterated that it was cash, was told they would re-open claim. Wondering why they had an answer on XXXX that claim was denied and was not told that on XX/XX/XXXX, and they also stated they don't know why I was told that the bank manager would be able to know if ATM would be balanced. Too many conflicting answers, I just want the cash I deposited into my mom 's account corrected.

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 2018-10-11
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
None of your categories really fit my complaint. I have an Equifax account that is frozen. This past week I received an email " congratulating '' me on my " new '' Equifax account. I do not have a new account! I already have one. 
I have called and they say they have to investigate and will get back to me. Nothing. Wrote 2 emails, as suggested on their site. Never heard anything other than a standard 'response '' email saying they received my email. 
I MUST know if there is somehow a second Equifax account in my name that I did not open. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Unable to remove FRAUD and FREEZE ALERTS PERMANENTLY due to Experian systems and options Remove is needed within 24 hours

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 2017-09-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Chase XXXX credit card in XXXX XXXX because I received an offer from XXXX. My application got declined with the reason " previous unsatisfactory relationship with this bank ''. Chase closed all my credit card accounts in XXXX and never give me a particular reason for that. I contacted the Chase again and the associate could not give me any specific reason for rejecting my application.

Company response to consumer: Closed with explanation