BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-07
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
The cfpb flagged a complaint as a duplicate. It was clearly not a duplicate. One complaint was fraud the other was a blance dispute. They waited over ten day to flag it as a duplicate. Thier customer service said they think it was flagged as a duplicate because the resolution was the same. Why are they looking in the resolution field to see if it's a duplicate, there are only a few possible resolutions, so obviously different disputes can have the same resolution. The customer service agent told me the only resolution was for me to submit a new complaint, and to put at the top that this is not a duplicate. That's great except I'm not wanting to start over from square one. I was expecting a response with in the next couple of days. I don't want to restart from scratch giving the finance company additional to resolve my issue. The least they could do is reopen the complaint without me having to submit a new one, as well as keep the original time table discussed for a response. Please see attached email for the complaint number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX someone must have put an electricity bill in my name. I lived in a 2 family home and I was completely unaware of the bill. XXXX XXXX XXXX says that I owe them {$770.00}. And it went into collections with CONVERGENT OUTSOURCING. When I tried to dispute this case in XX/XX/XXXXthey said that all of the information matched but I was still unaware of the bill until recently a few years ago receiving a bill at my at my current address. I tired to explain this to the collection agency but they didnt care, they said all the information matched. Yes the information matched but I was unaware that someone stole my identity and opened a Electric bill in my name. It isnt fair that I have to suffer because someone stole my information.

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 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XXXX XXXX {$390.00} XXXX XXXX XXXX {$11000.00} XXXX  XXXX  XXXX {$460.00} XXXX  XXXX  XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXX {$400.00}

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 2020-05-25
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Just want to express that I am very concern and upset at this point. I havent had any response from American Express. I have been trying to solve this issue since XXXX of this year, and nothing has happened. 

I am complaining that American Express has done the following against the California Credit Reporting Act, and against my rights as a consumer : 1. Reporting different information across bureaus. 
2. Reporting incomplete information. 
3. Negligence 4. Unfair business practices, and some other violations. 

I want the following item to be completely removed from my credit report : the American Express account XXXX, opened XX/XX/2017 ; closed. 

Please send the attached documentation to American Express. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I went to check the results of a dispute investigation and when I downloaded the report, it was someone else 's. Their SSN, DOB, and address were all included in it. I called Experian to alert them that I had seen this info and all they told me was to disregard it and did not collect the consumer 's info to inform them that their info had been shared.

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 2020-07-07
Company: Shellpoint Partners, LLC
State: FL
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: Investigation took more than 30 days

Complaint:
I had a mortgage with Shellpoint mortgage. I have never been late with any of my mortgage payments. I am in the process of closing on my home next week. I have been getting the run around from Shellpoint for over 30 days. They have agreed they made a mistake with the information they shared with the credit bureaus of me being 120 days past due on XX/XX/20. My wife and I were approved for a new home and now we can't get credit approval with this latest info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Receiving tons of robo calls from IC Systems regarding a debt that does not belong to me. Please follow-up with police report # XXXX. 

When I asked these people to stop calling they refuse to do so and persist to call on a variety of different numbers throughout the day.

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 2019-02-19
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have send 2 letters with attached requested documents for my identity to Equifax. I have several items reporting incorrectly on my credit report. They always use to send a generated report not proof, no verification no requested documents etc. I have not received any verification or deletions to my recent disputed claims with them. I sent this information via Certified mail. They are failing to provide and proof due by federal mandate. They are reporting inaccurate information, cards that were stolen from me and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have an account with PayPal and there was an amount of {$120.00} sent to someone named XXXX XXXX at XXXX. I did not send this to him, nor do I know who he is. I tried to dispute this with PayPal, but the request was denied and I did not get a refund. There was a service charge involved of {$4.00} so I am wanting my refund of {$120.00}. This happened on XX/XX/2019. I have since contacted my bank and filed a dispute through ACH. Thank you in advance for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-17
Company: PNC Bank N.A.
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 status incorrect

Complaint:
I set up auto pay on my credit card and it did not go through so now they say I'm 67 days delinquent. I paid the next two payments in advance now and they reported me late to the credit bureau. I want the late reporting removed as was the first late payment I ed ser have had.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
five point XXXX  XXXX XXXX are the amounts XXXX XXXX XXXX showing collection unknown ftc violations The National Credit Union Administration ( NCUA ), along with four other federal regulatory agencies, recently released guidance about the repeal of certain credit practices rules applicable to federal credit unions, banks, and savings associations.1 The enclosed guidance clarifies that, despite the repeal, the agencies still have supervisory and enforcement authority regarding unfair or deceptive acts or practices, which may include the practices prohibited by the former credit practices rules.2 With respect to federal credit unions, this repeal will affect NCUAs regulations in Part 706 of Title 12 of the Code of Federal Regulations that generally prohibit : the use of certain provisions3 in consumer credit contracts, the misrepresentation of the nature or extent of cosigner liability, and the pyramiding of late fees.

They have not even looked at it or tried to fix it all under NCUA law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Checkr, Inc
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have a XXXX violation noted on my background check conducted by XXXX that its not my violation. Plus other old violations still posted causing my partnership to be closed with XXXX. Now my household is in finacial hardship without this income.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Minto Financial dba Minto Money
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
In XX/XX/2020, I applied for a {$500.00} payday loan with MintoMoney. I had recently begun a new job and was unable to pay for the gas to attend work for the pay period and needed to pay my utilities or face eviction from my rental home. 

I have several documented deductions from my account from MintoMoney, but received notification of only the following via email - {$130.00} on XX/XX/2020. 
{$130.00} on XX/XX/2020 {$130.00} on XX/XX/2020. 
{$130.00} on XX/XX/2020. 
{$130.00} will be processed on XX/XX/2020. 

I am unable to make these payments as I am currently XXXX  due to COVID- 19, and the lender continues to take payments twice monthly, regularly causing me overdraft fees and related financial issues pushing me further into debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXX  Balance : {$44.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX 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 2018-03-07
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have sent letters to XXXX  and Experian about a public record they are reporting. I would like to know the method of verification I have sent several letters requesting this and they have not provided this. I have contacted the court at the address listed on the reports and was notified that they do not verify any accounts with any 3rd parties. Please remove these unverified accounts from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Chapter XXXX bankruptcy

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 2021-03-02
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Pentagon Federal Credit Union forced us to pay into an Escrow account when signing on to our home mortgage, making the bank responsible for paying our property taxes and insurance. Both in XXXX, XXXX and XX/XX/XXXX, our lender has not paid our property tax bills, forcing us to pay while still having to contribute to the Escrow account. Pentagon Federal Credit Union has been unresponsive to our requests to waive escrow given the two notices of error.

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 2020-07-07
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I took a trip to XXXX, Florida for my birthday. I scheduled a Jet Ski tour on XX/XX/2020, to take place on XX/XX/2020 at XXXX XXXX. I arrived to the business and it was closed, not rendering services due to COVID-19. I attempted to contact the company for a refund due to the services not being rendered. I have been unsuccessful with contacting someone most likely due to the business being closed. I contacted BB  & T, my bank, for a refund. The bank denied my claim and will not provide provisional funds. The bank stated it will take 45 days for my funds to be returned, if they are returned. The bank refused to assist me in any way to recover the funds that I worked hard for and is letting the business continue to scam individuals.BB & T  provided no assistance and basically stated I can not have my funds returned to me. I spoke to a supervisor of Fraud Communication named XXXX XXXX who basically recited, " No you can not have your money in as many ways as he could. '' Please do not trust BB & T with any funds that belong to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The car was seized by the company in XX/XX/2015 after having reached a payment agreement of three months had to pay 1 and negotiate the other 2 months was made the payment of one of the three months and as they want they took the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX is been listed and verified as accurate within credit file. XXXX reporting a collection activity within my profile, which is unverified and in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: ID Analytics, Inc.
State: CT
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:
Sage stream and XXXX XXXX hold inquires for XXXX  XXXX, XXXX, XXXX XXXX, XXXX and XXXX   XXXX  on my credit report and record

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXXXXXX XXXX locked out the HomeOwner since XX/XX/XXXX ; The house wrongful Forclosure on XX/XX/XXXX ; XXXXXXXX XXXX   failed to provide Owership of the Note, Perfected Note Holder in Due Court of XXXX XXXX XXXX ; the Mortgage and the Note should be together in order to have standing to forclose. It is impossible to provide the Note and the Mortgage together because the Note had been converted permanently to a stock then sold in the New York Stock Exchange that create {$1.00} XXXX is Year XXXX ; So, XXXXXXXX XXXX could not forclose the XXXX XXXX house, therefore XXXX XXXX XXXX XXXX XXXX XXXX Tresspassing the XXXX XXXX house on XX/XX/XXXX ; and not the XXXX XXXX XXXX XXXX dumping the XXXX XXXX house on the street, there was citation # XXXX XXXX XXXX in the amount of XXXX to be paid and storage fee to be paid to XXXX XXXX XXXXXXXX in the amount of {$3700.00} upto XX/XX/XXXX which is tomorrow. 
XXXX XXXX also demand XXXX XXXX XXXX XXXX XXXX XXXX to surrender the house key by tomorrow ; in order XXXX XXXX could make the Damage Report to the Court of the house and personal belonging. XXXX XXXX paid the utilities bill until now, XXXX XXXX supposed to stay inside the house instead of stay outside the house. XXXX XXXX  torturing the XXXX XXXX XXXX since XX/XX/XXXX which almost 2 years living deadly ont he street like animal in the zoo. Thank you. XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Bread Financial Holdings, 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 am writing to dispute an inquire fraudulently pulled in my name. I am a victim of identity theft and did not authorize this inquire .I am not responsible for any charges made to this account if any if open. 
Please delete this inquire immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent request that provide proof I applied for this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Since the beginning of XXXX I have been collecting unemployment through the EDD.  Every time I go to withdraw money my account is locked or restricted. When this happens I have to call customer service to have it unlocked. It almost feels like I have to ask permission to access my funds every time I need access to them. XXXX, XX/XX/2020 at XXXX XXXX., I tried making a withdrawal of {$300.00} from this account only to find that it is restricted again. I got in contact with customer service where the first CSR who spoke with me. She mentioned that there is no reason why my card should be locked or restricted and transferred me to the fraud department. While giving my information to this department they transferred me unexpectedly in the middle of a sentence to a department that is not open and was disconnected from the phone call. I called back and was told by a second CS are that there is no reason why my account should be locked. The debit card I have is new and hasn't been used and this is the first time I am using this card. They then connected me to the fraud department again where they said they can not do anything and I must call the closed Department that I was originally transferred to where the phone call disconnected tomorrow morning at XXXX XXXX. eastern standard time. I need access to these funds because of an emergency and have to take someone to the hospital. If this person dies because of this reason it's going to destroy me. What they are doing is unfair, unprofessional, and I'm pretty sure its illegal. I called back a third time where a third CSR told me there is no reason why my account should be locked and I should have all access to my funds. He then said that there is nothing that they can do on their side and transferred me to fraud again where the person I spoke with did not say anything or do anything and hung up on me. At no point did I use profanity or slander the individuals I spoke to but I did profess that I was upset with this situation. I even told them that this is an emergency and need access to my funds. Even my online account can not be accessed and they won't tell me why. I am in fear for this person who needs a doctor and I am extremely upset that the banking system feels they have the right to do this to me. I would like to press charges to the fullest extent of the law to make sure that this banking institution doesn't do this to another person again.

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