BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-13
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is a formal complaint against Santander located in XXXX XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Santander has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account Number account : Bank of America car loan XXXX Dates associated with item being disputed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Disputing inaccurate late charges posted o Bank of America has inaccurately claimed I was late 30 dates late in XX/XX/XXXX/ XX/XX/XXXX. Again this was disputed with all three bureaus and CPFB and no communication / proof has been sent that I was late. Please remove the mistake from all three bureaus.

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 2018-02-21
Company: First National Collection Bureau, Inc.
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:
They were harassment to call me many time. then I called them and who are you? they said XXXX XXXX XXXX for you. make me confuse happen. what I make payment to who or owe to who?? They wouldn't tell me nothing. I feel so funny think They are scam. 
so I would stop to call them. and They harassment call me many time make me tired and complaint. But I have a very good my credit and no problem. 
I give you it phone number : XXXX for XXXX My phone number : XXXX and my name is XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2018-12-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out to XXXX XXXX XXXX to send me Validation of this account. not verification but Validation with my original contract with my signature on it. This company is highly negative on my credit report. I am request that they remove this account from my credit report. I called XXXX and spoke with XXXX on XX/XX/2018 he informed me that this company no longer have information on this account that it was sent to a collection agency. Please remove this unverifiable account immediately.

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 2018-05-17
Company: Law Office of J.A. Cambece
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This should be considered a follow-up to Reference XXXX. Because J A Cambece took no additional action the case was dismissed. However, on XXXX-XXXX-2018 I received a call from their office attempting to collect on the debt regardless. I consider this to be a form of harassment and will seek any remedy available. The number shown on the caller ID was XXXX and the time was XXXXXX/XX/XXXX. Thank you for your assistance. 

XXXX XXXX Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This will reference prior cases XXXX ; XXXX ; and XXXX. 

I just received notice that AMEX is charging late fees of {$81000.00} while I was granted a stay by AMEX on XX/XX/XXXX while speaking to XXXX XXXX XXXX title team leader who granted a STAY for payment and now I am being hit with LAte PAyment fees. I have been defrauded by XXXX XXXX   while AMEX knows this that the monies were removed from my account after third party verification. The amount that is now owed AMEX went from XXXX to XXXX. This is not right. In addition it will be shown that XXXX XXXX   defrauded me as per a third party verification that has caused severe damages. I am lost for words what these banking institutions are doing ... Please remove these late payment fees and get XXXX To live up to their word in making XXXX payment plus damages to me ASAP Just received statement from AMEX XX/XX/XXXX 60 day late Payment fee {$8000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
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: Old information reappears or never goes away

Complaint:
The XXXX account first date of delinquency is more than 7 years old the account has been closed and the account is reporting beyond the credit furnishing statute of limitations.

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 2018-11-27
Company: DISCOVER BANK
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I filed complaint with the XXXX XXXX XXXX XXXX XXXX, also called the Federal Trade Commission # XXXX and filed with FBI. 

I was scamed by a computer scam, someone claiming to be part of XXXX XXXX. Since I had called XXXX for a # to get my computer repaired back in XXXX I paid the computer people what was to be a lifetime warranty. When I had trouble this XXXX I called them again and was assured I would not be charged anything that I had the warranty. Anyhow they kept asking for XXXX XXXX cards. I stupidly believed them and kept getting more cards ( {$32000.00} wprth on all my cards. I have since paid the credit cards all the charges for the XXXX  XXXX cards that I made. I kept all my receipts.is In XXXX this scam person, XXXX XXXX, asked for my credit cards-they would pay me back the money they owed me via the cards. I stupidly believe him and gave him the information, however, I did not give him the CVV number. I got a call from my XXXX XXXX, my XXXX XXXX card and my XXXX XXXX XXXX card questioning charges made to my account for XXXX {$400.00}. I told them no I had not made the charges and told them not to honor any more of those charges. They agreed and I have not been charged by them for any XXXX XXXX charges that had already occurred. 

I HAD ALSO CALLED DISCOVER CARD in XXXX or early XXXX, I had not heard from them, and told them not to honor any XXXX charges to my account. I did not know until the end of XXXX when I got a bill for {$2800.00} of XXXX charges on my account. I immediately called them, told them to stop again and reminded them I had called to stop these charges a month previous. They said they would investigate. 

There answer to me despite many calls has been since I gave out my card info I am responsible for these charges. They are completely ignoring the fact I told them NOT to honor any XXXX charges. Now they have sent my account to the 3 credit bureaus,.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
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: Account information incorrect

Complaint:
I CAN NOT believe that Experian is STILL reporting the account XXXX XXXX XXXXXXXX, although I have pointed out SEVERAL inaccuracies with this account. How can Experian verify inaccurate information as accurate? By law it is Experians job to ONLY allow accurate and correct information to be entered onto my credit report. 

I am challenging this account for the following reasons : Failure to perform an independent investigation per FRCA regulations Failure to correct, remove, or verify inaccurate disputed items Failure to enter the required notice of dispute per section 623. 

Each credit bureau lists a different open date. Experian XX/XX/14, XXXX XX/XX/14. How is that accurate? 

There should be no past due on a closed and charged off account yet Experian lists a past due amount of {$2100.00}. How is this accurate? 

There should be no negative payment history on a closed account recorded yet Experian lists this account negative monthly. How is this accurate? 

The terms are inaccurate. 

This account has not been purchased by another lender yet Experian lists that as a comment on this account. How is that accurate? 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Please DELETE this inaccurate account from my credit report and provide me with an updated credit report as quickly as possible. 
Thank you for your prompt attention to this matter.

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 2018-02-21
Company: Eagle Financial Services, Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was charged a interest rate of 39 % .. I do not believe my credit constituted such a high credit score.. I was sold XXXX insurance when I was already XXXX. The checks to the insurance companies were signed before the loan documents. I was not told it was voluntary because the checks had already been cut to the insurance companies and I was not even asked if I wanted yet.. I was told I had to give my consent to withdrawal payments from my account and later found out it is illegal to make that a condition of the loan. I believe XXXX XXXX violated the EOCA of XX/XX/1989 by charging me a int rest rate that was discriminatory. I am on XXXX for XXXX XXXX and I take m di cations to XXXX me. Including XXXX and XXXX medication. I could not keep up with the salesman who was rushing through the paper work.. So I'm not sure what I was signing.. I believe I was taken advantage of by XXXX XXXX Because of my deminished capacity to understand the seriousness of what I was tricked into signing..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Illinois Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Illinois collection services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX Has called my place of Employment. This company illegally contacted my employment. I never received a call on my personal phone or had any mail sent to my home. I never had a chance to dispute or had written notification of this debt. I have witnesses who received call at my employment and took messages, this is the only way I was able to get a phone number of XXXX and a name of XXXX XXXX. I called and verbally informed her to not call my employer again as I have been warned and fired for personal calls. asked this service agent to send verification of debt to thru postal mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Chase representative messed up my accounts and sent me a replacement card, closed my previous account without my oral/written consent ( Please note : I am in a very good standing, no balance left unpaid whatsoever ). I found this very unacceptable and unprofessional. Apart from apologising, Chase did not do anything to make things right ( restore my account ) or to compensate for inconveniences caused. 

I also do not feel safe with my information if Chase employees are authorised to issue cards without my oral/written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-22
Company: EQUIFAX, INC.
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 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.

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 2018-06-15
Company: NRA Group, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
National Recovery Agency A Responsible Revenue Recovery Company, has claimed i owed a dept. i told them this dept was not mine, they refused to tell me any information about the dept other then it was with XXXX and when i said i would call XXXX they claimed XXXX dsnt keep track of what and who owes them money. then today they called again stating they were dept collectors before confirming who they were speaking with. they had my name but stated and address i never lived at. stated i had confirmed the address with them and they had it recorded. i asked for the recording and they refused to pull it up. they are trying to collect false depts and are a scam. 

there number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2019-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
i have submitted several letters disputing inquires in my credit, there are still there 1.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX BYMAILONLY 2.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: The CBE Group, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about XX/XX/XXXX I signed up for XXXX XXXX home internet service. This offer was for a 30 day free trial of the XXXX internet service. It reportedly included free installation and ability to cancel within 30 days without obligation. The service started on XX/XX/XXXX, but I could not use it until the XXXX or XXXX due to faulty wiring. An installer came and fixed a problem with the wiring and I used the service for 2-3 days. On the XXXX of XXXX I called XXXX and canceled the service because the internet was too slow ( took 2-3 minutes to load my email browser, unable to stream data ). The representative canceled my service and sent out a return kit for me to return the XXXX modem that they had provided for the service. I received the return kit on the XXXX of XXXX and sent it back to XXXX on or about the XXXX of XXXX. ( They give you 30 days to return it ) In the middle of XXXX, I received a bill from XXXX for XXXX XXXX This bill included charges for the prorated service from XX/XX/XXXX to XX/XX/XXXX as well as XXXX $ for Modem/Router combo. I Called XXXX and told them that I had returned the router and it needed to be removed from the bill. The representative told me that " Don't worry, that's not your final bill, once the modem is received in the 'system ' they will issue a new bill with an adjustment. '' In XXXX I received the same bill from XXXX, I called and spoke to multiple people from their company trying to resolve this issue, they kept telling me that " it's a valid charge. '' I told them that I would not pay for a router I had returned to them. In XXXX I called again ( unknown day ) and spoke to more people, again I was told the same thing. I even asked to speak to a manager and got nowhere. I even had to ask several times for " someone who speaks my language '' because most of the reps had thick XXXX accents and I could not understand them at all. I decided to not pay them at all, and on XX/XX/XXXX I received an email from XXXX XXXX ( a debt collector ) on behalf of XXXX trying to collect the debt. I called and told them that the debt is not valid and they told me to send them a written rebuttal. I will not do this because they will simply tell XXXX my side and XXXX will say " It's a valid debt '' I'm frustrated and tired of dealing with this company that I had services from for just 6 days

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Midwest Recovery Systems
State: OH
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:
Midwest Recovery Services, are representing " XXXX XXXX XXXX, and they are putting Short Term Loans Accounts, as Medical/Health Accounts, on Credit Reports. '' I tried to call them and got an agent on the line, and our conversation turned into an argument.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: AMCOL Systems, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
Someone called from a collection agency. They said they were from XXXX XXXX. They have me dates of service and wanted my daughters birthday to verify info. I gave it to them. They told me I owed money and they were collecting a debt. I was upset because I thought it was already paid off. They gave me a weird address and I said no, that was a wrong address. I gave them our correct address and they said theyd send me a statement. I hung up. 
The number that called was XXXX ( XXXX ) XXXX Now Im scared I put my daughter/family in a bad situation Should I be scared??

Company response to consumer: Closed with explanation