BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2022-01-25
Company: Monterey Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received an alert via my credit monitoring that my credit score dropped XXXX points. After looking at my credit report, I see that there is a negative account named Monterey Collection services that was reported to XXXX as a " charge off '' on XX/XX/XXXX in the amount of {$2500.00}. I at no time received any mail correspondence indicating that this account was in collections. After calling Monterey and speaking with XXXX XXXX XXXX on Monday, XX/XX/XXXX, she is telling me that they did send mail correspondence along with emails regarding this account. After looking through my email inbox and junk inbox, I did find ONE email that was in my junk folder dated XX/XX/XXXX stating that the above amount is due and that " you are hereby notified that a negative credit report reflecting on your credit record MAY be submitted to a credit reporting agency if you fail to fulfill the terms of your contractual obligations. '' So, I received notification that the account MAY be reported to the credit reporting agency 17 days AFTER it had already been reported to XXXX! I was not given the opportunity to rectify the debt on my own before they reported it to transunion which negatively affected my credit report. After speaking with XXXX XXXX on Monday, XX/XX/XXXX, and asking to have the negative account removed on the condition I set up a payment plan with them, she responded that it will stay on the report until it is paid in full. After requesting a breakdown of balance owed and fees, I am disgusted by the almost {$1000.00} extra added on to the original balance in " fees '' ... as I have a requested email with the breakdown from XXXX XXXX, stating the original balance : {$1500.00} ; 35 % collection fee : {$550.00} ; Late charge : {$380.00} ; XXXX 10 % : {$39.00} ( AS OF XX/XX/XXXX ). So, essentially, I have to pay them a disgusting amount in extra feed AFTER they already tarnished my credit report, without giving me the opportunity to rectify the debt beforehand.

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 2022-08-17
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Following an XXXX notice of 1.9 % APY savings account from CIT Bank, on XXXX XX/XX/2022, i attempted online to open an account. At that time, i authorized my checking account transfer of {$100.00} to CIT. I understood that i would receive " micro-deposits '' to verify the account on or before XXXX XX/XX/2022. Daily, I tried to check to see if the account opened, '' micro-deposits '' occurred. There was no activity from CIT Bank. I could not access my account online! The transfer did not happen. Each day, I called customer service to see when the account would open. They told me by Wednesday. On Thursday, XXXX XX/XX/2022 - after countless hours on the telephone waiting for customer service, i called to cancel the account. The representative told me she did cancel the account and hung up before confirming my requested transaction number. 

The entire experience was disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions 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 have been disputing inaccuracies on my credit report in regard to XXXX XXXXreporting inaccurate opening date and child support inconsistent reporting. I have seen all credit bureaus 5 rounds of disputes and there hasn't been any correction to the inaccuracies.

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 2015-12-15
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been monitoring my credit report the last 3 years since my chapter XXXX A week ago on XXXX my Equifax score plummeted XXXX points!!!! they now say I am a XXXX. That is a score for people that DO NOT PAY THERE BILLS! I was denied credit lately for my wife 's XXXX present, if I was to qualify for a loan it would be 20 % or Higher. I am a homeowner 5 pmts on time own a XXXX ram, 16 payments never late, a recreational loan for 3 yrs never any late payments. I am in the same category according to Equifax as some one delinquent on a mortgage, a vehicle repossession and numerous credit charge off 's. As you can clearly see I have paid perfect since the chapter XXXX is n't that what I am supposed to do? I have said over and over the credit reporting agencies are FLAWED and if this does n't get resolved I am going to hire an attorney and file a class action law suit. I have a customer c come in the other day, 8 late payments a vehicle charge off and they were still higher than my score. This is unfair please get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was sent a notice from XXXX XXXX XXXX a collection agency. They claimed that Capital One Bank ( XXXX ) XXXX XXXX had turned over my debt to them in the amount of XXXX. The credit card was opened XX/XX/XXXX and was delivered to a XXXX XXXX XXXX XXXX, Oregon and all purchases that were made were in XXXX. XXXX is about 2.5 hours away from where I live. The account was opened with my name and social security number but a different phone number and email address. The card was closed by Capital One in XX/XX/XXXX after 4 statements were sent and no payments were made on the account. The collection agency is doing an inquiry into the debt said they would notify me by mail in 7-10 business days. The credit bureau is not showing I owe any money to either of these companies but does show inquiries from both XXXX and Capital One and shows no current collections in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-18
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I had a car loan with Santander Consumer for almost 3 years. When I decided to switch for a lease, the loan balance was paid off but there is not an option in their website to stop the automatic monthly payments drawing from my checking account. I should 've called them earlier but did n't do it and they drafted one more monthly amount of {$320.00} and when I called them they told me a prepaid visa card will be mailed with that amount and that I have to wait a month. I spend several minutes arguing with the guy in customer service asking for a check because I just need the cash and finally they told me that they will do it. The guy told me that he started a process to substitute the prepaid visa for a check. 
A week after another person called me telling me that is impossible to send a check but I will be able to get cash from that prepaid card. So he asked me if I agree with that and I say yes. When I received the prepaid card the instructions said very clear that THIS CARD DOES NOT HAVE ATM CASH ACCESS So beside the incredible high interest I was paying with that loan ( I decided to lease a car so I get rid of that loan ) they want to keep my money for longer time and keep earning fees every time I use this prepaid card in every business I will buy from. I do not need this prepaid XXXX card. I just need my money back in cash.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-03
Company: NEW YORK COMMUNITY BANK
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
New York community Bank which took over Ohio savings bank has pushed their Elite banking every time I go to a different teller or re-up a CD. Recently I received a mailer asking that I join the Elite plan and get the better results in interest. You have to keep your balance at over XXXX and the increase in interest only affords you a payout of XXXX dollars a year. In the Mailer it explains in very fine print that the accounts are transferred to XXXX. That was never mentioned before and the cover letter is on Bank Stationary which mentions FDIC. The fine print of themailer mentions that it is not insured by the FDIC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CITIBANK, N.A.
State: LA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards with the incorrect items on my credit report. It has been well over 30 days & i haven't received any investigation results.

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 2020-02-17
Company: PENNYMAC LOAN SERVICES, LLC.
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: Account information incorrect

Complaint:
Pennymac Loans # XXXX is reporting a late in XX/XX/20 that I should not have. This late was a fault of XXXX XXXX as I kept trying to call and make the payment by phone and by doing it online, but they kept giving me the run around because their website was not working. This is not my fault and I shouldn't have a late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
Company: CNG HOLDINGS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My Dad purchased a refrigerator at the XXXX Store in XXXX, Texas, through XXXX ( aka Tempoe ) on Saturday, XX/XX/2019. I paid for half of the price from my debit card while he paid for the other half cash. This was the beginning of our problems. The refrigerator was supposed to have been delivered on XX/XX/2019, The delivery team was rude to my XXXX, XXXX  father, and never delivered the merchandise. On XX/XX/2019, I rushed my father to the emergency room where he was subsequently admitted into XXXX. On XX/XX/2019, prior to being XXXX, he gave verbal notification to XXXX that he would be cancelling the refrigerator. Sadly, he died on Saturday, XX/XX/2019. On Monday, XX/XX/2019, I went to XXXX and spoke to the manager to submit paperwork to XXXX  to inform them of his death and to have them process the refund in my name. The documentation was faxed while I was at the store office. I had been following up with XXXX, but, to no avail. From what " XXXX '', the district operations manager for Tempoe told me, documents received between Monday and Wednesday would yield a check release on the Friday of the same week. By his statement, the check should have been mailed to me on Friday, XX/XX/2019. For reasons unknown to me, XXXX did NOT process anything in the timely manner alleged and the check was allegedly mailed on Friday, XX/XX/2019. I have attempted to get the corporate telephone number to Tempoe to formally complain about the rude and insensitive manner in which I had been treated by " XXXX '' and XXXX/Tempoe. When I asked for the corporate number, XXXX would not provide it to me. Instead, he talked down at me and was quite rude. He kept giving me toll free numbers that wound up being answered by people who were not even in the United States. When I demanded the corporate telephone number, I was given what turned out to be a mobile phone contact. As of this writing, I have not received a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: VA
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:
My personal information ( social security number, birth dates, addresses, and other compromising information that would make it very easy to be a victim of identity theft or be a victim of credit fraud ) may have been compromised as part of the cyberattack on Equifax that was reported on Thursday,  XX/XX/XXXX ( though occurred a couple months prior ). This is absolutely ridiculous considering since there was no way for me to avoid having my information available to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: JPMORGAN CHASE & CO.
State: TX
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:
I am an authorized user and pay the Chase card in question. However, since I am just a subhuman non white curry XXXX To Chase, I am illegally denied my rewards points or even the ability to redeem them. They then accused me by the fraud department of not being on the account, even though I am and have been for years. I now know how XXXX XXXX felt when he falsely accused and then killed by the white police. To be falsely accused as a person of XXXX when my XXXX family did nothing wrong or ever changed the authorized users is scary, and puts me in fear of my life. Chase needs to cover up misconduct by its white employees, who always get away with operational errors in white supremacist XXXX XXXX world while XXXX employees get the boot for daring to speak on operational errors at JPMorganChase.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Disputed XXXX XXXX and acct shows open date of XX/XX/XXXX.This acct was auto removed from transunion and experian this month.I disputed this item XXXX times in XXXX stating it was an expired acct and that the XXXX deliquency date was also incorrect as well as the acct information and payment history.The results of the dispute says they contacted XXXX who told them they can delete the historical data from the report. So most likely they are deleting the historical data because it is not correct or inaccurate.But for some reason they are still not removing this item from the credit report, nothing verified but still going to keep item on my report while transunion and experian it was automacitically remove in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
Company: BBVA FINANCIAL CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened BBVA money market account on XX/XX/XXXX from BBVA website, the opening advertisement says : With an account balance of $ XXXX, earn 2.50 % APY plus {$100.00} bonus opportunity. The requirement is : to open by XX/XX/XXXX and maintain balance of $ XXXX between XX/XX/XXXX and XX/XX/XXXX. 

I have finished the requirement since XX/XX/XXXX. But I still haven't received the bonus yet. Try to contact BBVA several times, with no results. All the representatives tried to find excuses to postpone the bonus as promised. 

I attached offer terms of the {$100.00} bonus when I opened the account, as well as my account balance history showing I have met the requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: ZIONS BANCORPORATION
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
After numerous troubles with fraudulent charges, unjust service charges, poor customer service and policies that change to suit the bank, we decided to bank elsewhere. In trying to make sure that auto charges are being switched over to the new account, I checked the account yesterday morning and found that XXXX auto-debit was floating and needed to be addressed. I immediately deposited cash to cover the " pending '' charges. During our problems with fraudulent charges, we were informed that " pending '' charges could n't be disputed or stopped because they had not been honored yet and we were forced to wait three weeks and face late fees from our mortgage institution and utilities because we had to wait a long period of time to have the charges investigated because of their " pending '' status. Additionally, according to their online banking site, there was XXXX item pushing my account to {$6.00} overdrawn and then they delayed processing the cash deposit so they could charge another item fee, therefore totaling XXXX item fees. When I checked this morning XXXX of my insurances had erroneously billed their account instead of the new account and I rushed to make the cash available. I was told that this " pending '' item was already being honored and that even if I got my insurance company to reverse the error, they would charge another item fee. I am complaining, because when the opportunity suits them " pending '' transactions can be held in cyberspace and the financial stability of my family can be left in limbo for days and weeks, but I can not address erroneous charges while they are " pending. '' I have no way of correcting or disputing charges without incurring fees anyway. Cash deposits should be immediately available funds and be able to be applied to charges that by the bank 's own admission have not cleared their institution yet. It leaves consumers powerless to prevent fees in erroneous situations while pursuing action against those improperly billing. Charging fees for charges yet cleared while not immediately honoring cash deposits only benefits the bank and unjustly penalizes the account holder.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Albert Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2022 I made a purchase at XXXX. The purchases were. 
XX/XX/2022. XXXX. {$8.00} XXXX XX/XX/2022. XXXX. {$110.00} When I write home and my card was unable to be used I went online and found the additional XXXX charges on my account, that were not made by me. I did not make these charges they are fraudulent. I have tried every way I know to make the bank understand that they are fraudulent, and I know this because I did not make them. And the card was always in my position. I have no idea how it happened, I can not explain it. But I categorically deny making these charges, and as a matter of fact, can state that they are indeed fraudulent. They were as follows : XX/XX/2022. XXXX. {$100.00} XX/XX/2022. XXXX. {$100.00} I have tried every way I know to make the bank, ALBERT BANK, operating under a license of XXXXXXXX XXXX  OHIO, understand this. In the many many many emails back and forth, Albert Bank reported to me that in their opinion they were not fraudulent, they were not going to refund me my {$200.00}, and that they're findings were binding. After contacting XXXX XXXX, XXXX said that they were wrong, Albert Bank is in violation of XXXX XXXX XXXX agreement, and I should contact MasterCards fraud department. I did as well as the Consumer Financial Protection Bureau, the banking Regulators in Ohio, and others. This is outrageous, it is wrong, and Albert Bank should be treated as a rogue company

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I had a loan with Santander Consumer USA from XXXX XXXX, TX, and just before I was refinancing with XXXX XXXX, my wife sent an early payment to them. We got a refund from them, but not in amount that our CPA calculated. My account number is : ,my name. We sent them a letter with a report from our CPA. but they did not reply. 
My phone number is Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: The Receivable Management Services LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am XXXX XXXX submitting this complaint against Receivable Management and there is no third party involved. Receivable Management did not provide me with sufficient documentary evidence such as tracking number or some type of signed delivery slip by me the consumer, proving that I received and was made aware of collection activity of this alleged debt, this alleged debt had been fraudulently placed onto my consumer report with forethought and malice to being harm to me and my financial reputation.

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