BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: Designed Receivable Solutions, Inc.
State: CA
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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt. in fact therefore exist 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: CURO Intermediate Holdings
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took a loan with Speedy Cash in XXXX or XXXX XXXX it was my third loan, as I am lower income and needed cash. I couldn't pay it back in full after other financial hardships, and stopped them from taking the excessive payments from my bank account by closing my account. The two previous loans I had paid in excess of 300 % interest on {$300.00} loan. This last loan I believe was {$350.00} or {$500.00}, but I no longer have access to their login to see my account. 

In XX/XX/XXXX, they sent me a summons from my county courthouse. I responded timely, but asked them to provide me proof of the loan and the balance due. They were asking for over {$1800.00}. Per the Fair Debt Credit Protection Act, they had thirty days to provide me proof of the loan debt and the balance owed. They did not. 

on XX/XX/XXXX, I get an email from XXXX ( no last name was given ) at XXXX, stating I was to appear in court via phone ( due to Covid-19 I assume ) and a copy of the summons was attached, showing I had a phone court date for XX/XX/XXXX. No time given, and still no requested documentation was given to me. 

Today, I emailed this XXXX to inquire on the time of the court appearance. I received a response, with a totally different Notice of Hearing form I had never before seen or was given to me,. with the same XX/XX/XXXX date, and a XXXX hearing ( conveniently this Notice of hearing now had a time listed, as the previous one did not ). I now have to take a day off work to deal with this, and i still have not received the documentation I asked for, as provide by law ( FDCPA ), and I am not about to give thousands of dollars to this predatory payday loan company. I am considering taking legal action in the form of a class-action lawsuit, which by an online search, they have had several against them. 

I feel that after paying off two prior loans with them at astronomical, predatory interest rates, and falling victim to hard times shortly after this loan was taken, i should not have to pay back anything more than the original loan amount plus the annual normal interest rate of 18 %. 

I also have further documentation at home from the XX/XX/XXXX summons and my response to them, if I can send that to you as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
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: Information belongs to someone else

Complaint:
my information was exposed in a data breach and company is reporting false information to my consumer report please delete immediately as the accounts are fraudulent

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 2018-09-20
Company: KEYCORP
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:
On XX/XX/2018 XXXX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX - XXXX-XXXX-XXXX as contact number on report ) requested my credit report. 

On XX/XX/2018 XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, XXXX-XXXX-XXXX-XXXX ) requested my credit report again without any authorization or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: TCF NATIONAL BANK
State: CO
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:
My debit card information was taken and used in several locations. I first identified the first 2 transaction as they were $ XXXX/each at 2 local gas stations. I immediately called the bank and they requested I file a dispute. They cancelled my card and told me I would have to go to a branch to get a new card.
When I got to the bank, they identified new charges and a 2nd dispute was opened at that time. They confiscated the card. The bank the first dispute, however declined the second dispute because they indicated that those smaller charges, would have been done with the actual card. TCF did not complete any research and closed the dispute. I filed a report with XXXX Police department, " XXXX '' and have been reaching out to the fraud police officer.
My complaint is that 1. ) TCF should have put a stop on the account with the 2 sets of identical charges, as this is policy for most other banks. 2. ) They arbitrarily closed the account before completing any research, even though I have been a customer for 10+ years. 3. ) The retailers all have videos and are happy to supply them to TCF Bank or the police department, however they only keep them for 30 days. We are 2 weeks into this dispute, and they have not requested them. 4. ) They have not provided me with copies of the signatures used on these transactions. 5. ) They are not contacting me with information or details on what they are doing to resolve/investigate the dispute. 6. ) I had to use a loan to put funds into the back for the negative balance that this situation has caused, because my mortgage was not getting paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
The credit bureaus such as XXXX XXXX, and Experian are reporting inaccurate information on my credit file. They are reporting a derogatory account XXXX from XXXX XXXX XXXX  as past due for {$21000.00} and this is inaccurate. The account has been settled and PAID OFF IN FULL. I would like this account corrected and the derogatory status removed from all of the credit bureaus database. I have disputed with the credit bureaus both by phone and letter and they refused to delete the 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 2017-09-21
Company: FIRST CITIZENS BANCSHARES, 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 made several attempts to rectify this matter with First Citizen Bank  and XXXX. I have notified First Citizen Bank and XXXX that this account do not belong to me. This account was opened as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: GRANDVIEW FINANCIAL SERVICES INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
GRANDVIEW FINANCIAL SE Account Type Installment Loan Terms 48 Months Payment Status Details Charge-off Status Updated XX/XX/2014 Balance {$8600.00} Past Due Amount {$8600.00} Contact Phone ( XXXX ) XXXX-XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, CA XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$12000.00} i returned the card to them and they told me i won't have any balance left on my credit report after i gave the car to GRANDVIEW FINANCIAL SE i saw that there was a cargeoff account on my credit report i contact them they told me there is damages on the car but they didn't tell us anything when we returned the car. so please ask them to remove this negative information from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Chase bank was contacted regarding an account that was not verified to be mine. I sent them a request pursuant to section 611 ( a ) ( 7 ) and section 623 of the FCRA. Chase Bank has not verified the debt and is willfully violating the FCRA. They do not have any original documentation, they have failed to respond within the legal timeframe permitted, and this account is not mine. Civil litigation is pending and will be filed if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: MI
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:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XXXX I opened a Citi Double Points credit card. XXXX. On XX/XX/XXXX. I received an email from Citi Double Cash Card offering 25 % more cashback if I opened a Citi Accelerate Savings Account. I contacted City and open City Accelerate XXXX Account. XXXX. I contacted City and they were supposed to link my new Accelerate Savings account to my City Double Points account. That never happened. I never received the 25 % bonus. I contacted Citi and was unable to reach anyone, they kept referring me to different departments until I was hung up on. After receiving my XXXX statement, I again tried today, XX/XX/XXXX to contact Citi as I have still not received my bonus cashback. Today, I again I started with their messaging service only to be referred to the different chat people in the messaging program and was ultimately told they could not help me, but to call " One Stop Sales Unit '' at XXXX, which I called, as they could not contact me directly. It was extremely difficult to get out of the automated call system but I was ultimately able to speak to a representative. The representative told me that she could not help me because it was a credit card number. I asked to talk to the supervisor so that I could explain the problem as the credit card division told me to call them. In that process, I was hung up on. I tried to call the number on the back of the credit card in hopes that I could reach someone, but that program only dealt with changing reservations. ( Apparently, If I had lost my card, which I have not, I would not know who to call or contact, as the number does not work for lost cards or issues with one 's account. ) Please help me get my additional cashback bonus. I am sure that others are having the same problem.

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 2020-11-02
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Complaint XXXX was submitted XX/XX/2020 by the attorney for XXXX XXXX and XXXX XXXX. Quicken loans did not adequately respond to the issues involved. Quicken has been violating both State and Federal Laws without any consequences. The response they sent was that they refused to deal with a duly licensed attorney in this matter. Part of the issue in brokering this loan was going around the attorney of record and strong-arming the client to execute documents. Quicken denied legal counsel to the borrower. They incorrectly applied the deposit on the loan. Took money that was not owed and XXXX XXXX. Quicken has violated 18 USC 134, 18 USC 1343, 18 USC 96, as well as a litany of laws related to money laundering. The letter sent to the CFPB in response was in adequate. Quicken merely stated that XXXX XXXX XXXX attorney-at-law ) was not listed on the documents. XXXX XXXX XXXX is the attorney-at-law and in-fact for both XXXX XXXX and XXXX XXXX. They must respond to the substantive issues. 

Also, Quicken sold the loan. If Quicken did not disclose to the buyer the fact that the loan amount was in dispute, many other laws were violated. Quicken would be subject to securities fraud statutes, and the loan does not qualify for sale treatment under FASB rules. As a result Quicken 's financial statements must reflect the liability or it has filed fraudulent statements with the SEC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
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:
I have requested that these accounts be removed due to both fraud and failure to prove the debt as being mine. We filed and submitted documents for identity theft and submitted to them on XX/XX/XXXX The Credit Bureaus have failed to respond with the signatures as required by Federal Law and must delete the accounts on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Since XX/XX/2023 I have been disputing inaccurate information within my credit report but have not been getting a response from TransUnion, XXXX. Even one of them ask for verification that its me when i sent my information of verification. XXXX, sent information but all they continue to tell me is that its verified without any information that i asked for

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09
Company: Santander Consumer USA Holdings Inc.
State: OK
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:
In XX/XX/XXXX I purchased a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, Oklahoma and my vehicle was financed through a financial institution that I can not remember. In XXXX I got a letter that my vehicle loan had been purchased by Santander and that 's when the problems started with Santander. If I was late with payments, Santander called endlessly, day and night starting the day the payment was due until it was paid. They actually had my car repossessed twice based on mistakes they made in their accounting department! The XXXX blew a head gasket in XXXX and it was parked not running, but I kept making payments on it and carrying full coverage insurance. Finally at the end of XX/XX/XXXX I had paid a {$15000.00} loan down to about {$2500.00} so I sent a personal check to Santander to just pay off the balance in XX/XX/XXXX for the full amount. I waited and waited to get my title in the mail, finally after about 90 days, I got my check returned to me with a letter stating they needed a cashier 's check not a personal check. So at that point I just said forget it, they can have the car, it was n't running anyway. Santander wrote off the remainder of the loan in XX/XX/XXXX as bad debt, BUT they keep reporting it every month on my credit report to make it look like an active account. At this rate it will never drop off my credit report and it is dragging my credit down. This is not fair for them to keep reporting it every month to keep it active on my credit report and I want them to stop doing it and report it accurately as written off in XX/XX/XXXX and let it go once and for all. To continuously punish me for their inconsideration and bad debt collection practices is more than unfair. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: America’s Financial Choice, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I paid off this loan with two money orders a week ago and the regional manager XXXX told me she would make sure all was applied and any added fees they caused me reversed and she would make sure my paid off documents were mailed and to me today. I took the loan out in XXXX IL but because the manager their was so rude and unhelpful and trying to keep me from paying it off ( her name is XXXX ) I had to contact the regional manager XXXX and she had me pay it off with XXXX at the Mt XXXX IL location on XXXX XXXX while I was off work. I work for the XXXX XXXX XXXX XXXXXXXX. Now today XXXX called and left a message that she did not get into the XXXX  XXXX office as promised to reverse the fees and make sure the last payment posted and mail me the documents and claimed she was sick and would do it whenever she could! This is XXXX!! I am also filing a complaint with the IL Attorney General today!! I paid the loan off a week ago and they have not applied my payments, reversed the fees they caused me or mailed my paid in full contract!! I want it done NOW!!

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 2023-06-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
For several months, I can not transfer my Membership Rewards point to airline partner. I've called customer service but still no resolution to this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Experian Credit keeps sending me access of another person credit service. I have notified them several times and talked to the as well by phone. Some say they can not do anything unless they get permission to receive an approval to stop sending to from the credit holder of which doesn't exist in their records. 
The Experian Account is XXXX XXXX : Membership ID # XXXX Month 's have gone by and they have done nothing. This level of access to third party informal is a security breach and needs to be corrected. I have no relationship with this party. 
Sincerely, XXXX XXXX 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 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My personal information is incorrect with XXXX, TransUnion, and XXXX. They all have inaccurate personal information on my credit report, such as name, account number & address and telephone numbers

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 2019-03-04
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Things aren't adding up here when I use this company. There was a {$80.00} fee at a gas station that was not made by me. The company would not reverse the charge. They now took away the ability for me to even change my password online. They also are charging excessive exorbitant fees. I really think you need to take a look into this. At this point I am choosing another bank. It's getting pretty weird.

Company response to consumer: Closed with explanation