BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-08
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT XXXX XXXX RE : NOTICE AND DEMAND TO VERIFY ALLEGED DEBT To Whom It May Concern, This notice is in response to my recent request that Barclays Bank Delaware verify items on my consumer report that resulted from Identity Theft. Per the results of Barclays Bank Delaware investigation, I received correspondence via mail that the alleged debt was verified. However, per my request Barclays Bank Delaware has failed to provide me with any legal proof that I owe a debt. By law, I have a right to request legal proof of any alleged debt or claim of debt pursuant to the FCRA and the FDCPA. 

Per my initial request, pursuant to the Fair Credit and Charge Card Disclosure Act I have a right to request full disclosure of the terms and execution pertaining to this alleged debt through direct mail telephone, and other applications and solicitations to open-end credit and charge accounts and under other circumstances. This is a second request for Barclays Bank Delaware to provide such verification in order to substantiate their claim. Be advised that copies of statements do not constitute legal verification in which, the Black Law Dictionary 6th Edition defines, verification as a means to confirm and substantiate by way of an affidavit or oath sworn to under the penalty of perjury. Therefore, Im requesting that legal verification of this alleged debt be provided to me at the address provided. If verification of the alleged accounts XXXX affidavit or oath sworn to under the penalty of perjury ) is provided to me via mail, I will require 30 days to review and verify the documents ( original documents or certified copies only ) pursuant to U.S. Code 1692 ( g ) ( 4 ). In addition, until the requirements of the FDCPA have been met and your claim is verified, you have no authority to continue any collection activity and you will cease and desist from contacting me except via mail. Furthermore, please be advised that any reporting of accounts on my consumer credit report without legal proof of debt is a violation of the FDCPA and FTC and I will pursue all legal actions and remedies afforded to me under State and Federal law against Barclay Bank Delaware. 

This is my attempt to operate in good faith and with clean hands to clear up any confusion in this matter before taking any further action. Upon completion of your reinvestigation please provide any and all legal proof of any alleged debt or claims to a debt. If proof is not provided then these accounts must be removed from my consumer credit report. Thank you for your prompt consideration of 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 2017-06-01
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never received a written notification from Blakely-Witt an d Associates, Inc. t hat I owe   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX .   More importantly, I have never received any written notification from them , Blakely-Witt and Associates  that is, advising me of my right to dispute the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Massachusetts Educational Financing Authority
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
My son and I applied for a refinance loan with MEFA. There was no assistance to understand their review. We submitted all of the documents required over a period of 60DAYS! We would receive a notice to submit another document, and we would submit it twice or three times after being asked to submit the same documents. No one could explain why we kept getting asked to resubmit what we had already submitted. We called the answering clerks at MEFA ( who never have any authority ) who could only say that the documents were submitted but waiting on the " review ''. No one with management authority would come to the phone. We spent considerable time getting things to MEFA as requested and there was no supervisor to provide us any insight to why MEFA was having difficulty with the documents. 
Both my son and my credit scores are above 700 and we both make very comfortable wages. 
It is disgraceful the amount of time we spent on this 60 DAYS! and finally called to ask what was going on with the loan. Lady said it was rejected. No one even called or emailed any decision or explanation. AVOID THIS REFINANCE COMPANY OR YOU WILL WAIST CONSIDERABLE PERSONAL TIME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XXXX XXXX XXXX sold a used car to my son in XXXX which was very high pressured selling and fraudulent title surfing. The financial Company was Santander Financial. From the start of this transaction XXXX paid {$50.00} of his money to receive a title from someone trying to get rid of the stated used XXXX XXXX XXXX which stated another model of XXXX in the title and was only signed by one party and the MVA stated that they could not transfer. I sent a letter to the BBB wanting to reverse this sale instead XXXX paid for titling with the MVA however, never could get a title from Santander and neither could my son. Moving forward we would flood the MVA for a title which never appeared and also from the beginning of the sale, someone lied and said my son worked at XXXX XXXX so that Santander would finance the car which my son did not work as he had just graduated the summer before. Moving forward Santander sent a welcoming letter stating a XXXX XXXX. Earlier the next year, Santander Financial Services was to pay a {$550.00} million settlement to pay out cars because of fraudulent sales and lying on contracts so I wrote a letter to the Attorney General of my state ( Maryland ) to have Santander pay this car out and relieve him of the fraudulent contract. The Atty General sent my letter to the correct office which went unanswered due to the Covid shutdown. I am now requesting this complaint reinstated for removal from all of his credit reports with the credit bureaus. Santander is reporting this monthly. I do have a case no. from the Atty Generals office to the State of MD Consumer Protection Division which I will be contacting since the economy has opened a little more freely. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Problem with personal statement of dispute

Complaint:
My name is XXXX XXXX. My wife and I are XXXX and XXXX respectively. We are currently XXXX XXXX customers with XXXX XXXX  XXXX ( XXXX ) and have been faithful customers for more that 30 years. Up until XXXX of XXXX our credit rating had been in the mid to upper 800s. However, in XXXX of XXXX we received a letter from XXXX stating that our credit rating was now in mid 600s due to missed payment in XXXX and XXXXXXXX XXXX 
As a result, our credit limit on our XXXXXXXX XXXX XXXX went from {$14000.00} to {$3000.00}. Although the minimum payment was {$43.00} per month we paid {$200.00} each month. I want to add that in XXXX of XXXX I underwent a XXXXXXXX XXXX  and in XXXX XXXX XXXX  my baby brother XXXX  from a sudden and XXXX XXXXXXXX XXXX at the age of XXXX. 
We consider these extenuating circumstances ( as well as I accidentally unchecked mailed bills on bank setting ) that resulted in our being late on these payments. 
I contacted a Vice-president of Complaint Resolution for XXXX in XXXX of XXXX by the name of XXXX XXXX XXXX XXXX and explained our situation. My request to her was to consider our past reliability of ZERO late payments to XXXX for ANY accounts for our entire history with the bank as well as the above mentioned XXXX and XXXX in the family events. We wanted our credit limit on our travel card and our superior credit rating returned to their previous levels. Unfortunately, this request has been denied by XXXX. This was not a satis My wife and I are appalled and disappointed that even during a pandemic and with life changing events as noted above, that a banking institution, that just recently in an email thanked us for being XXXX XXXX  members, could not make a special allowance to restore our exceptional credit history and financial reputation. 
Is there anything that you can do to help us in 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 2018-05-31
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I called Cavalry Portfolio Services about a collection that showed up on my report. They instructed me to contact XXXX XXXX XXXX and make the payment to them as they were hired to collect on their behalf. I called XXXX XXXX XXXX and the person on the phone said it was a balance of {$470.00}. I asked about a settlement and they agreed to receive {$310.00} after asking Cavalry for an extension. I was told this would absolve me from the debt owed after I called Cavalry and they said after the {$310.00} payment they would delete the tradeline from my credit report. As of today, XX/XX/XXXX, 7 days after the payment was made Cavalry updated the balance from {$470.00} to {$160.00} instead of {$0.00}. This means they lied to me on the phone and have began to report a balance that's not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: PNC Bank N.A.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My car loan was transferred from BBVA compass to PNC bank and has been nothing but a nightmare since the transfer. When it was transferred they had wrong phone number and address for me and never tried to contact me. Then my vehicle was repossessed since I didn't know the bank that took over the loan. I paid close to XXXX dollars to get it out of repossession then they told me the loan was charged off in XXXX. Why I still don't know why it was charged off. Then I was told I would get statements and to be watching for a statement and I never got one. So in XXXX I called and they told me I owed XXXX dollars so I paid it because they stated I overpaid when I got my car out of repossession even though I paid the amount due. Then in XXXX never got a statement again and when I called XX/XX/XXXX they told me I owed XXXX dollar because I underpaid in XXXX. When I told them I didn't have the funds to pay three months worth of payments and that it didn't make sense why I owe that much. They had it escalated and escalations is lying and stating they have attempted to call me yet I have no missed calls or messages and are closing out my complaints. Then today I finally got ahold of escalations department after refusing to hang up until it was resolved and spending three hours on the phone. Their XXXX  page is filled with complaints similar to mine on how they treat their customers and how they are dealing with them. They keep giving me the run around and are messing with my life and mental health as I am a single mom and refuse to work with me or help me come up with solutions. They give me different information every time I call in and none of them are on the same page.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018, XXXX XXXX XXXX deposited two checks in the amounts of {$670000.00} and {$82000.00} in the incorrect account at JP Morgan Chase located at XXXX XXXX in XXXX, NJ. The checks were made payable to XXXX XXXX XXXX Living XXXX. One came from an attorney trust account and the other from an escrow settlement account from a title company. The checks should have been have been deposited in XXXX XXXX trust account with XXXX XXXX. 

The teller accepted the checks and deposited them in the JP Morgan Chase account. ( See attachments. ) A letter dated XX/XX/2018, and received nearly a week later from JP Morgan Chase indicated that the account was blocked and will be closed ( see letter attached. ) In addition to not enabling XXXX XXXX to have access to the 2 checks that were erroneously deposited, JP Morgan Chase also pulled from the account and disabled access to {$33000.00}. Due to this action by the bank, two checks written against the account bounced. 

XXXX XXXX went to the bank and the manager of the branch contacted the home office and was told that we should open a trust account at JP Morgan or to contact the people who wrote the checks and have the checks recalled. 

XXXX XXXX contacted the bank ( see letter attached ) to ask that the funds be forwarded/transferred to them since the trust account where they should be deposited was held with them. JP Morgan Chase refused to do so and reiterated that XXXX would need to open a trust account with JP Morgan Chase. 

XXXX XXXX went back and forth with JP Morgan Chase numerous times. As of Wednesday, XX/XX/XXXX JP Morgan Chase indicated that they mailed back to XXXX a check for {$33000.00}, though that has not yet been received as of today, Friday, XX/XX/2018. At the same time, XXXX XXXX was forced to open up another trust account with incurred attorney fees in the amount of {$300.00} in order to get access to the two checks deposited in error. JP Morgan is transferring the amounts of the two checks -  {$670000.00} and {$82000.00} and allege that the money will be in the account by next Wednesday, XX/XX/2018. Additionally, the money will lose significant interest in JP Morgan as opposed to where it should be residing at XXXX XXXX and, when asked, the branch manager for JP Morgan in XXXX, NJ indicated that she did not know if or when well be able to pull the money out to put back into the account it should be in at XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-15
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw my credit report and I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. Evaluate and investigate those account that is not 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
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:
On XX/XX/2017, I made a complaint that the credit agency continues to allow an creditor to incorrectly and inaccurately report late payments on my credit report. The credit agency sent me a copy of my credit report which verified the correction however after purchasing a new vehicle I was offered a higher interest rate due to late reporting with this same creditor and credit agency. I contacted the creditor which advised they sent corrections over and no recent late credit payments. 

As I stated back in XX/XX/2017. My payments are due on the XXXX of every month. Based on the Fair Reporting a creditor can not report a 30 day late for not paying a late fee. 

It has been discovered that the credit agencies are allowing incorrect and inaccurate credit reporting by XXXX XXXX. My credit reported shows numerous 30 day late 's. This is the same issue back in XX/XX/17 which at that time showing XXXX days late on my credit report in XX/XX/2017. 

They previously advised they report the XXXX of every month and if the payments are not paid in full then its reported late to the credit bureau. I advised this is against the Fair Reporting Act.XXXX XXXX. XXXX. And they are violating XXXX section XXXX and XXXX. I continuously explain my payments are due on the XXXX of every month and they can not change my contract. I advised purchasing the loan doesn't change any terms. I asked for the contract showing my signature that changed the terms of my loan. 

The credit agency makes it very difficult to dispute online or by phone. I have asked for a updated credit report several times and never receive one or they advised I have to pay for me. I do not believe I should have to pay for a credit report to verify the inaccuracies reporting.

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 2022-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
A transfer was made into my account which I did not do and they said transaction was no good but still let it pass and the put my account into the negative XXXX dollars XXXX transaction were done that I did not do they are also had store transactions done someone somehow got a hold of my online access and when I filed a claim fraud they are still trying to blame me also they said someone had my card on there XXXX XXXX I said then how can this be done by me I said some hacked me I even ended up getting a new phone and they still wont give me my money back and this is with Bank of America in 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 2022-08-15
Company: Experian Information Solutions Inc.
State: VA
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:
Erroneous credit score from all three credit bureaus, impacting ability to obtain credit, etc.

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 2018-05-18
Company: JPMORGAN CHASE & CO.
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:
There is a business credit card that was taken out by the company I used to work for. That company went out of business, and now Chase is asking me to pay the card off. I never agreed to be personally liable for this card, and only 3 months ago did this account suddenly appear on my credit report. 

Chase refuses or is unable to provide me with my online or written consent to be personally liable for this account. They refuse to respond to multiple debt validation letters I have sent about this account. Instead, they sent me a letter stating the put a Cease & Desist on all of my accounts I have with Chase including my personal checking,  savings, and credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2017-06-01
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: Their investigation did not fix an error on your report

Complaint:
I have trie d on 3 diff erent occassions to resolve this matter of inaccurate accounts being reported on my credit report for  XXXX  accounts listed for  XXXX   XXXX  in the amounts of {$140.00}, {$430.00}, & {$130.00}. I have no idea what these accounts are for I previously sent a letter to  XXXX   XXXX  and never received a response. After not receivng a response I  sent 2 l etters to all  XXXX  credit bureaus and to date I have not had any recourse. The acocunts h as been updated as meeting FCRA requirements however I have not received a contract or any documentation bearing my signature. I requested the CB 's provide me with the documentation and information they used to validate all   XXXX   of these accounts. Under the FCRA 611 ( a ) I also requested the method of validation that was used. Who, where, and how was my dispute forwarded to this company and who, how, and when did the company responded. To date I have not received either, therefore the credit bureaus are violating my rights. On 2 s eperate occassions I received a letter stating that my dispute could not be investiaged because the address on file was not listed but that is a lie the address  XXXX   XXXX   XXXX   XXXX  is listed on my credit report please see attached copy. I am under no lawful obligation to provide any more personal information besides my social security number and I will not do so.

Company response to consumer: Closed with explanation