BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-20
Company: MIDFIRST BANK
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX we successfully received a loan modification on our home. The process was smooth and XXXX XXXX a division of MidFirst Bank was very helpful. All past dues was rolled into the new modification as clearly noted on our attatched modification paperwork. We have reached out to XXXX XXXX and they have stated over the phone that our mortgage is current and has been current since our XXXXXXXX XXXX modification. They claim that they did not send anything to collections as they do not have anything to send. The mortgage has always been current. 

We have also reached out to XXXX who is attempting to collect the debt. We have explained this every way we know how. They can not even explain why they are collecting the debt. We have provided them paperwork on the modification that clearly states that all debts have been satisfied and that we are have been current. We just have not been able to make any progress with them. We feel that we are being taking advantage of and treatened for no reason. We need your help. 

Thank you for your help. 

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 2020-04-02
Company: Santander Consumer USA Holdings Inc.
State: FL
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 have requested on at least three different occasions for Santander Consumer USA to send me paperwork to validate the debt they claim that I owe on my XXXX  XXXX  and XXXX  credit reports. They still have not as of the date of this complaint send me any  paperwork to my mailing address which they have choose substantiates and validate the alleged amount of the deaths that they claim that I owe. As such, this is in violation of the fair debt collection practices Act as I have asked repeatedly for a validation of this alleged debts which they have failed to produce and this is also a violation of the Florida consumer credit protection act under the same guidelines in Santander Consumer USA has repeatedly stated before that I do not formally let them know what violations they are committing under both the fair debt collection practices Act and the Florida consumer credit protection act. As such, they have been negligent whether it is indirect or willful in my repeated attempts to have validation paperwork sent to myself via United States mail as they are not allowed to contact me via telephone at any for any reason per the cease-and-desist request that is already on file with them that bars them from contacting myself or contacting anybody related to myself via telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Ditech Financial LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had tornado damage to our house, XX/XX/XXXX & we sent our insurance check to Ditech Financial,  mortgage holder. We are asking for the final amount {$1600.00}, to be released. 
I have been in constant contact with Ditech Financial via phone & emails since I mailed our insurance checks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Security National Automotive Acceptance
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Before I purchased a XXXX XXXX XXXX In 2014 from XXXX XXXX XXXX they never did a mandatory vehicle inspection or emission test according to Texas law ... .instead they made me finance one without going through the proper protocol and security national automotive knew about this to ... that's deceptive practices issuing me tags without inspection

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 2023-03-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a 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 2019-06-08
Company: Experian Information Solutions Inc.
State: FL
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 have requested Experian XXXX XXXX MANY times for validation of proof for the XXXX/XXXX account on my credit report. They are reporting this as closed and revolving at the same time. It is showing as a charge off yet has a balance. This is not correct and is conflicting information and a violation of the FCRA. Also, I have yet to validate this account belongs to me therefore they are in violation of the FCRA and needs to be removed 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 2021-04-26
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of XXXX, I made a payment by phone to XXXX XXXX/Comenity Bank to take care of an outstanding balance. My online account could not be accessed for reasons unknown to me. Since I could not see my account, I paid the amount the agent told me was due to make sure my account is paid in full. It appears that amount was incorrect that I was told. 

FYI, Comenity has discontinued the XXXX Credit card so it is reported as a closed account for this reason. But the impact to my credit is very much current. 

This has a resulting in a late payment, the only one across 43 accounts in over 11 years. 

I wrote to XXXX/Comenity and shared this mistake with them via their messaging center within their payment platform. I asked for the late payment to be removed. In XX/XX/XXXX, A XXXX XXXX responded assuring me the payment would be removed as I requested. Instead, the late has remained and that conversation no longer displays in the XXXX/Comenity secure messaging center. I have contacted the company regularly, as recent as XX/XX/XXXX. Instead, I receive no response to my request, however the company adds further negative comments to my credit report, which have decreased my credit score. I have disputed this with the credit bureaus but Comenity responds that it is accurate, although XXXX XXXX responded that it would be changed due to their mistake, and the negative impact to my credit continues. 
I would like the 1 late payment they made due to an error on their part of failing to notate my account properly removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
CFPB has a lawsuit against XXXX XXXX XXXX XXXX XXXX. I believe I am a victim of fraud from this company. The supposed student loan is being serviced by XXXX XXXX XXXX. To date I have paid $ XXXX on this loan where the original amount was {$13000.00}. I contest the loan and finally stopped making payments. 

I have asked numerous times who is the owner of this supposed debt and get the runaround from the company. They claimed it came from XXXX XXXX and when I called XXXX XXXX they claimed there was no account under my name. I believe this is a fraudulent loan. I reported that to the company and they did nothing. I stopped making payments and now they are reporting negative things to the credit bureau. I asked them to settle this debt for {$1000.00} and they have ignored my requests. I have sent them demand letters and they have ignored those requests. I am almost certain I am one of the countless victims of fraud that stemmed from CFPB putting a lawsuit against XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: EQUIFAX, INC.
State: MD
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:
Incorrect information reported to Credit companies by my mortgage company. I have never been responsible for a late payment of my mortgage. The new mortgaging company reported me late although my bank sent them two letters saying it had not been my fault. i understand they reported me late for a  XX/XX/2018 payment, when in fact i made it on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: TD BANK US HOLDING COMPANY
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This XXXX XXXX came broken and they assembled wrong. On first day, I emailed a lot and got nowhere. I emailed many many times. Just a run around. I contacted TD to chargeback or do warranty claim and no response and cant log in. They need to take this broken piece of junk off my property and refund fully and pay interest on how long they have kept my money. The arm came lose, monitor never worked, cupholder broke off and pedals came flying off. motor would fire randomly. I cant tell you how many times I got hurt and sent emails and photos and videos on. They did nothing. I should be doing an injury lawsuit. I have contacted a class action attorney. We will see if TD fixes this.XXXX XXXX  credit XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Midwest recovery company name is XXXX XXXX XXXX XXXX. Company trying to collect debt that I did over 8 years ago because recently I tried for a loan at company and they denied me cuz of past loan I had with them that I didnt realize I did. Account was already closed until recently reopened from company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
In XX/XX/2021 my husband and I received promotional offers to upgrade our AMEX. This was emailed. We followed the link and I upgraded to Gold and was supposed to receive a large sum of XXXX points if we spent $ XXXX in 90 days. Our statements show we made a clear effort to use the Amex for our spending and we reached the agreed upon amount very quickly. 

We noticed the points didn't arrive after the statement ran. We have called several times and we get the runaround with no real knowledge or seemingly a department to handle these issues. 

Ultimately today after cases were opened with no return calls as promised a supervisor informed us that because we didn't keep the email we can't prove that we accepted an offer and they refuse to provide the points. 

Unfortunately this was a quid pro quo agreement with American Express and we did out part. 

They are putting it on US to prove when THEY had THEIR promotion. 

We did not keep that type of an email as this does not seem that it would need to be an issue that would require proof from their promotions. They are able to confirm the timing of their own promotions, see when we upgraded and see what we spent. 

This is a clear refusal after receiving their portion of the agreed procedures to not provide their part of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: CITIBANK, N.A.
State: NC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2021. Purchased an XXXX  on XXXX using XXXX - paid with my citi card. Seller would not ship item. Tried to file a claim with XXXX, they referred me to XXXX. XXXX said go to XXXX. I filed a claim with Citi cards. I have not received the item, nor have I received a refund. Citi has not yet fixed this. This is causing undue stress in these 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 explanation
Consumer complaint received 2021-05-20
Company: Santander Consumer USA Holdings Inc.
State: FL
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:
SANTANDER IS A CREDITOR I AM DISPUTING IN WHICH HAS BEEN DELETED FOM MY XXXX AND XXXX. I HAVE BEEN DISPUTING CURRENTLY WITH XXXX AND HAVE BEEN GIVEN THE RUN AROUND. AS THEY'VE EVEN STATED AT ONE POINT THERE WASN'T A SATANDER ACCOUNT. NOW THERE STATING SANTANDER NEEDS TO NOTIFY THEM OF A DELETION. THIS IS A COMPANY IN WHICH IS BEING SUED AND HAS MULTIPLE LAWSUITS AGAINST THEM. THE LOAN WAS INTIALLY SIGNED UNDER DISTRESS AND FOR A CAR THAT ISN'T WORKING DUE TO THE CAR DEALERSHIP DOING A DEAL FOR A FAULTY VEHICLE. THIS HAS BEEN VERY STRESSFUL AND SATANDER HAS BEEN DELETED FROM MY HUSBANDS REPORT SUCCESSFULLY. I HAVE SENT THE BUREAUD FTC COMPLAINTS AND I HAVE ALSO WORKED WITH A CREDIT REPAIR COMPANY TO FIX THIS ISSUE. THIS XXXX SANTANDER ACCOUNT IS HOLDING MY LIFE BACK AS I AM A ELDERLY PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: Experian Information Solutions Inc.
State: FL
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:
An innaccurate account is reporting on my credit file : 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 2021-04-26
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I opened a credit card at XXXX! for a Gift of DRUMS for my high school students. I guess when I opened the card! they decided to also give me card Security? NO DISCLOSURE of fees as they are different every month?? I do not remember anything like this in the application of the card. ( Woodwind and Brasswind/ SYNCB ). Account opened on XX/XX/XXXX. Now I never got my CARD RIGHT AWAY. I got in XXXX only rec 'd e-statement which I did not choose either! Now that I can see my statements I saw all the monthly charges on it XXXX {$25.00}, XX/XX/XXXX {$24.00}, XX/XX/XXXX {$24.00}, XX/XX/XXXX {$24.00} XX/XX/XXXX {$23.00} Like I said NO REAL DISCLOSURE!! Call my customer service with Synchrony Bank about the charges and FRAUD they stated that its a different company that does the charges and that it was part of the application process and that synchrony bank has nothing to do with it. Well I was lied too two times by this company! After being told to call the XXXX # on the statement being told oh you picked the security on the application and I stated where is the disclosure of this and I wanted a copy of it. they decided to REFUND me today {$120.00} to show up on my NEXT Statement Conformation # XXXX By XXXX XXXX XX/XX/XXXX. I then asked her for the full Name of the company that she works for which blew me away!! Its Synchrony Bank .Now I was Just lied to By the customer Services Department and their Fraud Department Both told me that Synchrony Bank has nothing to do with it??? This is Fraud at its highest level to consumers of Synchrony Bank and it needs to STOP as you can see they can charge people any amount they want!!! NO DISCLOSURE OF FEES or that you will be charged! I wait for my refund but I feel for the Rest of consumers that were or are being ripped off as well. Maybe a class action law suite is needed to protect Consumers from this company! with its lack of disclosure on the applications. 
Thank you 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 monetary relief
Consumer complaint received 2017-12-20
Company: CORELOGIC INC
State: NM
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:
Yes I got an alert from XXXX XXXX saying I had some hard inquiries recently. The two I do not recognize or did not give consent were both on XXXX XXXX, 2017 from XXXX and XXXX. I 'm not sure where they came from or how they obtained my information. I did not authorize them to access my credit 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 explanation
Consumer complaint received 2019-06-08
Company: EQUIFAX, INC.
State: SC
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:
Submitted a dispute online via XXXX upload. I faxed in the same disputed to Equifax and I mailed one to XXXX. I tried the online and fax method thinking it would be quicker to get viewed, I wasn't able to set up my XXXX account info so I mailed it in. Its been more that 30 days, I called each bureaus and to my surprise, found out that each agency outsources their inbound calls to call centers around the world. I am not opposed to saving money so I understand it, but so much information of consumers has already been leaked, hacked, exposed in breaches and sold online, I would think that Americans personal and financial information would be more secured. I am a victim of identity theft, I am trying to get several accounts removed from my credit report, most of these accounts were opened when I was away in the XXXX. I would like for the documents that I am attaching to be forwarded to the agencies for review and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, INC.
State: GA
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 was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX  XXXX Account # XXXX I was never late 30 days XX/XX/XXXX, 30 days XX/XX/XXXX, 60 days XX/XX/XXXX, 120 days XX/XX/XXXX 

Im not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ALLIANCEONE REC MGMT XXXX XXXX XXXX # XXXX XXXX XXXX, WA XXXX XXXX THIS ACCOUNT NEVER SENT ME A BILL AND HAS FAILED TO VERIFY THAT THE ACCOUNT IS MINE. 

EVEN XXXX REMOVED THIS ACCOUNT OFF BECAUSE THEY DID NOT FOLLOW COMPLIANCE BUT XXXX AND XXXX  STILL HAVE IT REPORTED ILLEGALLY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
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: Reporting company used your report improperly

Complaint:
XX/XX/2017 TransUnion the company XXXX XXXX XXXX XXXX issued a hard inquiry on my credit that I did not approve.

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 2019-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have in my report a 30 day late payment on XX/XX/2018 XXXX XXXX ACCOUNT # XXXX.The information is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Paypal Holdings, Inc
State: CO
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:
I have received a PayPal Cash Mastercard, which I have never applied for. When trying to call the number provided on the card for XXXX XXXXXXXX XXXX I am getting an automated message " that my problem can not be resolved over the phone, please send us a message and we will address it in appropriate way '' and the system kicks me out without any instructions where to send a message. PayPal website does not provide any help on the issue either. 

So, I am trying to find out why the card was sent to me, who and when applied for it in my name. And I need this card to be cancelled ASAP. 

Thank you.

Company response to consumer: Closed with non-monetary relief