BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-17
Company: CCS Financial Services, Inc.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a fax to Credit Collection Services ( debt collector ) followed their instructions on their letter I received regarding the debt collection and did not receive anything back from them regarding the debt for two months and when I did it was just another collection bill. The amount does not add up to the accounting on the communication with the Minnesota Attorney General that the creditor sent them and we do not believe we owe anything. The accounting is impossible to make heads and tails of and they have left payments out. This is the second company the insurance company XXXX XXXX XXXX Minnesota has hired to collect the debt because the first backed out. After finding out that our Automobile/Renter 's insurance company did n't put insurance on a new vehicle we paid for with cash, wheelchair accessible van {$36000.00} and being told by the insurance company that we had made " Too Many Changes and it was our fault '' we went with the flow and had them get it changed, but looked for new insurance and canceled our insurance with them about 20 days later for a new company. They had made a transaction with our check card that was not authorized without our knowledge, etc. So, when we received an additional bill after leaving them, we disputed it. And, they sent it to collections. We disputed that and sent that to the Minnesota Attorney General 's Office and the first collection company decided after reading the communication to not be involved. About 6 months later we got this letter from the new debt collection agency and we faxed over a request for documentation to verify debt. Never received it. We know our rights and knew this was the first step in disputing the debt. Have not had any communication with the company since.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
During COVID19 the bank took XXXX dollars from me on an overdraft. We are in a time of crisis and this bank has decided to take the little money we have and say its for overdraft fees. I am a father and husband people rely on me. I want that money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-14
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 A which states thatI have the right to privacy. It also states in 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish your account without my written instructions.

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 2022-05-14
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 USC 1681 section 602 A which states thatI have the right to privacy. It also states in 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish your account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Investigative Concepts, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX calls me frequently demanding to speak to a relative regarding medical debt. I have told them repeatedly that this is not his phone number and we do not even live in the same area. I have asked them to stop calling on numerous occasions. They continue to call. This began on XX/XX/XXXX. They called me XXXX times on XX/XX/XXXX and XXXX times on XX/XX/XXXX. I have no legal responsibility to pay my relative 's bills that I know nothing about and I would like them to stop harassing me.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-07
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I am filing a complaint against Santander, but I believe they have failed to comply with my SCRA rights. On XX/XX/XXXX, I received orders that called me onto full time XXXX XXXX duty. I reached out to Santander on XX/XX/XXXX by email and asked that they apply the SCRA benefits to my account ( lower my interest to 6 % or less and retroactively adjust my account ). I included my military orders along with this email. Since  XXXX, I have been called on to XXXX XXXX sereval times. I have included all of the orders as an attachment. I emailed again on XX/XX/XXXX to follow-up on my request, but I still have not received a response. When I log into my online account, I am unable to see my current interest rate. I reviewed my account transactions I do not see any adjustment to my account. I would like Santander to immediately apply these corrections. In the future, I would also appreciate much more responsive communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: EQUIFAX, INC.
State: MA
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 disputed this account 5 different time and there is no change the in formation is not reporting 100 % accurate per FCRA I have posted proof of inaccurate information either update 100 % correct or remove this item per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We refinanced our home and the loan was sold to Mr. Cooper. During this time, we purchased a lot behind ours so our green space would not be sold and developed. Our lot will increase by .1837 acres. We paid cash for this less than 1 acre of land. We sent paperwork to Mr. Cooper to include this PAID FOR LAND onto our deed ; thus making the property worth more than what they financed. I have been in contact with several different people about this addition to our mortgage. I have had a lawyer contact them. Mr. Cooper is requesting an appraisal of our total property which is an undue burden on us. An appraisal was not necessary when we refinanced, so why should it be necessary for an appraisal now? I did not request my loan to " sold '' to Mr. Cooper, they were not my choice. I sent all the necessary documents to Mr. Cooper and the lawyer sent documents also. There are at least 4 other household affected by this company. There are about 80+ properties affected by this buy out. Only Mr. Cooper is requesting an appraisal. This appraisal is going to cost about {$1500.00}. Then we will have to pay an additional fee to have it added to our deed. This is a ludicrous demand, causing a financial hardship and massive amount of additional paperwork. I started this paperwork process back in XXXX. They took their time getting back to me. I phoned several times, I finally got in contact with a supervisor who agreed this seemed overboard. I have a trail of emails from me and my lawyer attempting to resolve this matter. I have had to pay out of pocket for the lawyer and can't believe this demand being made by Mr. Cooper. It is a very simple process, I have sent all the supporting paperwork and gave my lawyer 's name for additional questions. Not only have they demanded an appraisal, they have been very bad about contacting me and my lawyer back. This is now XXXX and I have been trying to get this resolved since beginning of XXXX. I am extremely frustrated and discouraged. I do not understand the need for an appraisal for such a minute addition of paid for land ; especially when there was not an appraisal needed for the refi. I know there has been at least one other land owner that has contacted you about this company. Thank you for your prompt attention to this matter, you have at least one other complaint so far. I have retained a trail of emails, I don't know how to copy/paste these but will be glad to forward them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, 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:
The former address Equifax has listed on my consumer file is incorrect. Equifax will not delete incorrect former address. I have notified them in writing about this incorrect information. During the Equifax breach my file was mixed and merged with someone else consumer file and the incorrect address remains on my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I received a message from you on XXXX indicating you had received a response from Citibank. But when I opened it, it merely repeated my updated complaint ( XXXX ). I receive the attached form letter as often as three times a week XXXX XXXX XXXX. I made a timely reply XXXX ) but then I recieved a letter from another party at Citi XXXX who copied you. As always, I can never assume the info I send to Citi is properly recorded. Often, it takes weeks before Citi acknowledges receipt. By then, it often imposes additional requirements ( I noted that when XXXX XXXX was assigned in XXXX, the process started anew as though I had not submitted all the info the previous three months

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I made a car rental reservation on XXXX/XXXX/15 with XXXX XXXX for an upcoming trip on XX/XX/XXXX-XX/XX/XXXX. I paid {$210.00} for the rental. Today I received an Ad from XXXX advertising the same product for the same time period for {$150.00}. I called XXXX XXXX and asked them to please refund the difference. Needless to say I received a run around. I contacted my Credit Card Company to explain the situation and that I would like to use their " City Price Rewind '' benefit. Citi told me that the benefit does n't apply to Car Rentals. My question is why is this purchase any different than any other purchase? It seems to me if a company offers a lower price on an unused product, they should honor their new advertised price.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: CITIBANK, N.A.
State: WA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Due to circumstances out of my control I got behind on my line of credit w Citibank. I called them upwards of 100 times to try and restructure my loan while I continued to make payments. They suggested that I apply for a loan modification but conveniently over a year went by and each time I submitted documentation they claimed to not receive all of it so I was constantly sending I 'm document after document only to be told that the previous documents had expired even though I had already sent in ALL required info. Conveniently everything was always 'lost ' and no human existed in the front in which the forms were sent to verify receipt. Very very sketchy. This went on for well over a year, possibly two. The answer was always some bs about how you had to qualify when the joke is that honestly probably no one ever qualified. They make zERO effort to help people who actually intend to pay money back and pay their bills and have no interest in making it right after the fact in terms of credit reporting or late charges which is fully in their control. Sadly the people who rarely pay their bills seem to have more privileges. What a world. I wrote to Citi explaining the situation and they could n't care less. Shocker. A XXXX dollar company not caring about a lowly customer ... so uncommon for big banks to treat their customers poorly..hmmm ...

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 2022-05-14
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18
Company: ID Analytics, Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX XXXX I received a letter in the mail from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  stating I owe a balance of XXXX according to XXXX XXXX XXXX the obligation or other security of the United States includes all bonds, certificates, of indebtednessXXXX XXXX XXXX currency XXXX fXXXX XXXX  notes, XXXX XXXX XXXX  notes, coupons United States notes, treasury notes, gold certificates of deposit, bills etc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: FIRSTBANK PUERTO RICO
State: PR
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:
In XX/XX/2018, I filed a bankruptcy law number XXXX, which was approved. In XX/XX/2018, I filed a claim with the bank through credit karma, stating that the mortgage loan was not included in the bankruptcy, since it was never in arrears. Because the bank report XXXX balance and payment for the mortgage loan. What I was looking for was for the bank to activate again the account and the credit report. The bank 's response was to delete the account from my credit report, which has negatively affected my credit score from that point on. 

Today I called the bank, the person who answered me told me that I had to make the claim through XXXX XXXX. I called XXXX XXXX and the person who answered me told me that I could not do anything since the bill is not reflected in the credit report and proceeded to give me the Federal Trade Commission information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: SYNCHRONY FINANCIAL
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: Confusing or misleading advertising about the credit card

Complaint:
I had  XXXX  walmart cards that was offered to be upgraded prior to getting the card I called to make sure my history for the cards  XXXX  and  XXXX  would stay on the card that I was being upgraded too. The information I was sent did not state anything that is why I called. After getting the card I activated it and the other cards were closed. Now I do not have history on the new card shows I have had the card since  XXXX  and  XXXX . After calling today to Syncrony bank I was hung up on by  XXXX   XXXX  in OH, called back and when asking for a supervisor to correct this was told I could not speak t o one the y would tell me the same thing. Now I have  XXXX  new accounts after calling before and now I am being told I misunderstood.

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 2022-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
BOA of accepted ( 2 ) deposits into my account {$6000.00} & {$3000.00} ( have to guess since BOA has denied me access to the account, I am not 100 % sure about the exact amounts ) BOA then blocked access to my debit card, mobile banking, online banking BOA asked me to call the FRAUD dept regarding questionable transactions on my account. 
WHY would BOA ask the consumer to clarify a deposit that BOA accepted electronically ; and then LOCK the consumer out of his/her bank account, for a decision only BOA could have made. 
BOA should have either denied the deposit ( s ); placed the deposit ( s ) on hold until they were satisfied that the deposit ( s ) that BOA accepted were legitimate. But BOA locked me out of my account and I dont even have access to the money that was in the account prior to the account being locked by BOA on or about XX/XX/2022

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 2021-11-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom it may concern, I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me with the enclosed letter claiming that the bankruptcy was verified by XXXX XXXX Appalled by that information, I went directly to XXXX XXXX and in their response to my inquiry they claim to have never verified this item with you and gave me the enclosed letter stating they couldn't verify the bankruptcy .This would mean this bankruptcy is by law considered UNVERIFIED. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated or can not be verified. 

I have enclosed the letter from XXXX and the court house for your inspection. Please DELETE this item from my credit reports as it is NOT verified! 

The XXXX and E OSCAR VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED.

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 2022-05-14
Company: AMERICAN EXPRESS COMPANY
State: PA
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:
AS a customer since 1999, I have made thousands of transaction and handful of disputes. 
A merchant named XXXX online charged my card promising they provide a service. They never rendered a service and I filed a dispute with the credit card company. The company suspended the charges pending dispute and then, quietly reinstated the charges of {$2900.00}. After sometime, I reminded them and they suspended again and this time again they quietly reinstated the charges and did not inform me as required by the law. 
I tried to resolve the issue by refiling the dispute. The system took me to a chat where I chatted with XXXX, Emp ID XXXX who among the other thing did not see the value of tenure in this dispute. That Employee transferred me to the manager XXXX, Emp. ID XXXX. At lease that is how they identified themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX TX XXXX appears on my credit report. I have never lived at this address. This a fraudulent address that 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 non-monetary relief
Consumer complaint received 2022-05-14
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: Personal information incorrect

Complaint:
I have fraudulent information on my credit reports

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