BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have repeatedly asked the credit bureau to verify information on a report. they have refused to verify the information provided by XXXX XXXX XXXX. They have listed the item of verified and refused to say how they verified. I have talked to the original vendor and even they agree the information is not correct. they have failed to follow the rules and verify the account. I have even hired a law firm to send them letters and they have not responded.

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 2021-02-01
Company: Santander Consumer USA Holdings Inc.
State: UT
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:
Santander Consumer is reporting an erroneous debt on my credit file and it must be removed. I recently checked my credit and noticed this debt on my credit file. I was under the impression this debt was being paid off but they were applying it to another account? My insurance was supposed to be taking care of it but because they kept delaying the process I decided to do it on my own. However, they never applied a single payment to the account I needed it to go to! I ended up finally being able to settle the account and they told me they would be removing the account from credit. However, I received a letter stating that the account would just report as paid. This is not what we agreed to and they must hold up their end of the negotiation. I am aware that the company has the ability to report his account to the bureaus as they deem necessary. Santander has the ability to remove any accounts since they are the furnisher. I have settled the debt with you and am now asking for a deletion letter to provide to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an inquiry from XXXX XXXX  in my XXXX credit report which I do not recognize. I am afraid this is a fraud case. The recorded date for this inquiry is on XX/XX/2018. Please help me out with this suspicious activity. Here is the contact information of the institution : XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
TD Auto Finance does not operate competently. Repeatedly they record false bank check amounts. I can not access on their website my account. When I call and issue a complaint they do not reply competency or try to resolve this problem. 
TD AUTO FINANCE. act # XXXX my check recorded incorrectly : # XXXX. Amount posted as written {$790.00} Amount incorrectly listed : {$390.00} Despite repeated requests to correct, no action taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03
Company: CITIBANK, N.A.
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:
Card was lost sometime beforeXX/XX/XXXX. These charges unauthorized :XX/XX/XXXX {$400.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$200.00}.

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 2020-07-27
Company: Experian Information Solutions Inc.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

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 2021-01-30
Company: BERKSHIRE HILLS BANCORP, INC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We paid off our Mortgage on XX/XX/2020 with Berkshire Bank. The bank owed us an escrow refund. They say they sent the check on XX/XX/2020. We did not receive it. We called on or about XX/XX/XXXX to report this. They told us we had to wait 30 days from the first mailing date to request a new check. We called back on XX/XX/XXXX and they said they would issue a new check. We called back on or about XX/XX/XXXX to report we had STILL not received it. We were told the check was not issued on XX/XX/XXXX but actually XX/XX/XXXX! So now we're waiting again, as we have still not received it. It has now been nearly 90 days since we paid off the loan and we have yet to received the refund of our escrow amount. They continue to hold OUR money and appear to have no clue what is going on. They further refuse to issue us the funds by some other means ( like a bank transfer ) and insist the paper check through the mail is the only way they'll do it.

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 2017-11-28
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a promotional offer addressed to me personally from Chase Bank for their XXXX XXXX XXXX XXXX card that offered XXXX bonus miles into my XXXX frequent flyer account if I applied for a card and spent {$3000.00} in the first 3 months of use, and an additional XXXX miles if I added an authorized user. I applied for and received the card, but was told that the promotion would only give me XXXX miles. I complained to Chase Bank at the XXXX # on the back of the card and received a letter dated XXXX XXXX, 2017 from XXXX XXXX, Customer Service Specialist saying they could n't fix the problem and I can only receive XXXX miles. I called again and spoke to a supervisor and was told the same thing. This is simple bait and switch. They offered me XXXX miles, I accepted the offer and they will now only give me XXXX miles. I called twice to let them know of the error and they said they could do nothing about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05
Company: Experian Information Solutions Inc.
State: TN
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:
Prior to my previous complaint submitted to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2021 sent to your company. In request blocking the collection account and removing from credit report. After reviewing the information from the collection agency, Im aware that the agreement ( s ) provided by the collection agency supporting documentation doesnt bears the signature of the alleged debtor wherein he/she agreed to pay the creditor/lease nor the following address on file for alleged debtor is incorrect. ( XXXX XXXX XXXX, XXXX, TN XXXX ) For further review, Ive attached my social security card, identity theft report, paystub and debt validation letter as it reflects my current addresse ( s ) and identification as my supporting documentation. Thank you.

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 2021-09-13
Company: ARS National Services, Inc.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
There has been no judgement filed against me, I was not served by ARS, I asked for validation of debt and they sent me someone elses personal file which was not mine. ( Obvious error ) call me and threatened to call my employer, they know where I work already ( but Im an independent contractor ) but Im the voice mail they threaten to call my company to embarrass me. Ruin my reputation and force me into answering by using scare tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Billing dispute for services

Complaint:
On XX/XX/2018 at approximately XXXX XXXX I attempted to place a freeze on my credit report with TransUnion through their website. I clicked the link that said : " Freeze my credit '' and proceeded to fill out the required information on subsequent pages. At the end of it all, I received an email saying I had subscribed to a monthly service for {$19.00} a month. Nothing I clicked on or encountered said anything about a payment, let alone that I was subscribing to a service with a monthly fee. I made numerous calls to TransUnion to correct this but was repeatedly disconnected when I insisted the situation be corrected. All I wanted was to put a freeze on my account- NO other services. I did succeed in cancelling my subscription online but have been charged {$19.00} for a month of services I did not want. At the end of a month the freeze on my report will be lifted, which does me not good at all. TransUnion 's website is clearly fraudulent and misleading when they should be acting to protect consumers, not mislead them. No one should have to pay {$19.00} a month indefinitely just to protect their credit. Who is protecting us from the credit reporting frauds.

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 2022-08-06
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I opened up an account with venmo on XX/XX/2022 and had money transferred to my account the day I opened it and within 2 hours or so my account was temporarily frozen without any explanation as to why I talked to venmo on several occasions via email and phone yet I got no real answers so on XX/XX/XXXX I noticed some discrepancies on my account and pointed this out to venmo hoping this would resolve there original issue however it did not in fact it only made matters worse because even though ID been clearly hacked by some unknown person which at first venmo agreed with that as well suddenly though they decided that they didn't believe I was the rightful owner of my account and asked for a copy of my state ID and me taking a selfie holding my ID which I gladly did so on numerous occasions I even sent them a video of me holding my ID and my social security card and all 3 debit cards Ive got linked to my venmo account however I still got nothing back from them other then my ID was expired which it is not they said its in black and white which it clearly is not its in full color and they said its being obstructed visually in some way which it Wasnt whatsoever Ive sent them copies 9 seperate times both with just my ID and me holding my ID and yet they still haven t unfrozen my account and now have suspended it as well which took place on my XXXX 2022 and yet again told me nothing as to why my account is now not only temporarily frozen but suspended as well Ive gotten a few emails from venmo stating that they are very sorry about the delays but that I should just be patient and cooperate with the venmo specialists working on my case and that's basically all they ever say there's never any real communication between me and venmo 's specialists they literally are now just placating me and have no real intention of ever releasing my funds to me I believe and im now about to loose my home because the money that there holding was for my rent and since they have frozen/suspended my account I cant access my rightful funds to pay my back rent and am terrified that I may loose my home and will be XXXX  so please if someone could help me figure this out and talk with venmo on my behalf to get this resolved ASAP ID be so very grateful ... thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I visited an in-network physician and paid my normal co-pay of {$50.00}. My insurance provider payed all remaining balances. IC Systems has been harassing me to pay {$720.00} to the physician claiming that payment has never been paid. A collection has been added to my report as of XX/XX/XXXX. On XX/XX/XXXX, I called IC Systems with my insurance agent who stated that the amount was paid by them 100 % and I should have not been billed. IC Systems representative stated that this will be removed and send over a letter stating the removal. On XX/XX/XXXX, I have received a phone call from IC Systems stated that I still owed and no remarks were added to the account and I would never receive a letter stating that the collection has been lifted.

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 2019-04-24
Company: EQUIFAX, INC.
State: IL
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:
There is a comment on a car loan from 10 years ago stating : Consumer Dispute - Reinvestigation in Progress. I was due to close on a new home " mortgage '' and this comment has been removed from all credit reports including my spouses except for Equifax. This dispute started on XX/XX/19 and I have been trying to tell them that I was not disputing this account and the comment needed to be removed. Conversations have been going on with them for 3 weeks now and I have received 5 confirmations telling me the dispute is complete and has been resolved. Only to find that the comment still remains on my credit report. I am now 30 days past my closing date due to them not resolving this issue. I need to have this resolved immediately. Any assistance you can provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2018 made contact with XXXX in regards to a collection account on my credit report and they have denied to removed it, after I have provided with documents that this is not my account and I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
Ally Financial is reporting a 30 day late payment for XX/XX/2018. I mailed this payment within the allowed payment period but, apparently, Ally Financial never received it. I never received notification of the late payment directly from Ally Financial, however, my credit monitoring service did send me an alert that a 30 day late had been reported to this account. I immediately confirmed with my bank that Ally had never cashed the check and contacted Ally Financial. They informed me that they had not received the payment, so I immediately ( while on the phone with them ) submitted the payment online. The agent I spoke with agreed that, given the circumstances, they would reverse the 30 day late and contact the credit reporting agencies to remove the late payment and correct the payment status. They also stated that they would send me a letter confirming their agreement to remove the 30 day late from my credit reports, however, I have never received this letter. I have contacted Ally Financial at least 6 times by phone concerning this matter. Each time, they verbally confirmed that they would remove the 30 day late but gave me conflicting information as to whether they had already contacted the reporting agencies. Again, I have yet the receive the letter they have promised multiple times.

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 2018-03-20
Company: CU Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collector has taken on a debt that is doubtful. The original lender, XXXX XXXX XXXX XXXX, only alleged the debt to me this week. I began to research the matter today ( a totaled vehicle that had GAP insurance - alleging additional debt ), and have already received a collection attempt from CU Recovery. 

It is very unethical for XXXX XXXX ( and CU Recovery as their agent ) to attempt these tactics without first allowing legally allowed time for verification of the debt. Additionally, CU Recovery is attempting to collect over {$500.00} more than XXXX XXXX alleged that I owed.

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 2018-03-20
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Re : XXXX XXXX XXXXXXXX apparent amount of XXXX re : account # XXXX ( from equifax credit report as obtained on XX/XX/2018 Credit reporting Agencies : XXXX  and equifax Date Credit reports Ran XX/XX/2018 ( XXXX  ) and XX/XX/18 Called XXXX  XXXX XXXX, no information given other than the account not belonging to me. 
The {$15000.00} from XXXX XXXX XXXX does not belong to me ( new and just starting to build credit ). XXXX XXXX thru inaccurate reporting to XXXX  and equifax caused me pain and suffering, denials to credit applications, financial opportunities that require credit history check. ( XXXX was accurate with no apparent {$15000.00} charged off/collection documentation/report ) Humbly requesting to have inaccurate damaging information be expunged so as to further avoid my credibility, suffering, severe anxiety and loss of financial opportunities be halted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20
Company: EQUIFAX, INC.
State: DC
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 now have over twenty five hard inquiries on my 3 major bureau credit report. I didn't apply for all of these lines of credit. I applied at three car dealerships. Only they have my applications and authorization signatures. I think that when I started applying, some form of identity theft began and others began to apply to. XXXX XXXX informed me that I may have been exposed to two different data breaches. I wrote Equifax, XXXX and XXXX  to get these inquires removed and they are refusing to help. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: TCF NATIONAL BANK
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am currently 29 days overdue on my auto loan. The lender, XXXX XXXX, has my proper address and phone number. They call daily about the debt but I have been unable to catch up. They send letters to my address. I have responded to phone calls. I have not changed address or phone numbers since I first took on the debt. 

Today, XX/XX/2019, they contact my brother and left a message that I had to contact XXXX XXXX. They are not supposed to contact relatives when they have good contact information for me which I am reachable at. 

This same problem happened approximately 1 year ago and I contacted XXXX XXXX and asked them to remove my family members from their records. I explained that my contact information has not changed and I am reachable and receiving their calls. They agreed. Today they contacted my family again in an attempt to harass me. My contact information has been the same since I took the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I paid my mortgage in XXXX over the automated system as I always do. It wasnt until I was paying for XXXX that I noticed, and it indicated that I had not paid for XXXX. Called to get info about it because I had done things as usual. It was also in XXXX that I noticed the automated system was different. I inquired had they been getting a lot of calls regarding this problem. I have not been late nor was I late in paying my mortgage.

Company response to consumer: Closed with explanation