BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: MI
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 mailed 2 disputes to the 3 credit bureaus last year on XX/XX/XXXX and XX/XX/XXXX. This year, I mailed 2 more disputes on XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX I have yet to receive one single response to the dispute letters I mailed out from XXXX, Equifax, or XXXX, with 1 exception. XXXX sent me a letter saying that they applaud me for working on my credit but, they don't believe that the dispute was sent from me... who else would it be sent from. I'm tired of these stall tactics, these companies are blatently violating the FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Request was sent back in XXXX to have incorrect information removed from person 's credit report, however, this has not taken place for two credit bureaus. Please review and remove 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 2020-08-18
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX XXXX {$100.00} XXXX XXXXXXXX XXXX {$610.00} XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$670.00} XXXX  XXXX {$460.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$460.00} XXXX   XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX {$670.00} XXXX XXXX  XXXX {$1200.00} XXXX   XXXX XXXX {$670.00} XXXX XXXX {$320.00} XXXX  XXXX XXXX {$430.00} XXXX XXXX   XXXX {$36000.00} XXXX XXXX XXXX XXXX {$230.00}

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 2023-11-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
We contacted Chase Bank XXXX, whereas the Chase bank Representative advised us that they added the Assignment of Mortgage in Error, we even went XXXX way on phone call with Select Portfolio Servicing and Chase Bank, advising them that Chase Bank made in error and that Select Portfolio Servicing need to issue a Correction to get the Assignment of Mortgage ( removed ), they still refuse to make correction and then XXXX used the Fraudulent document to peruse a Foreclosure and get a Sale Date. We brought in the documents to Chase Bank twice ( XXXX and XXXX ) so they could give to their research department, they acknowledge they received XXXX, and advise they would have resolution by XXXX, Chase then sent us a Letter telling us they are not the Noteholder or Investor and it is XXXX who is our Noteholder, and that because they sold the Servicing rights to Select Portfolio Servicing, they were unable to issue Correction of Assignment of Mortgage, now the Servicing company XXXX refuse to issue XXXXrrection of Assignment of Mortgage, we then asked Chase several times for Documents showing when and where they sent our document to XXXX, still no response from Chase now there Executive Office refuse to take our calls, we then sent emails asking Chase Bank to give us a document showing that they added the Assignment of Mortgage in Error, still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Ark-La-Tex Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Fees or costs after closing

Complaint:
On the XXXX, the " items you can not shop for '' are outrageous. A credit report fee of {$250.00}. That is obviously marked up. I was my understanding that the required items for closing were a pass thru fee, the exact cost to the borrower. From this lender, they are apparently marking up the required fees. I have the XXXX. This is my son in law. I am supplying a gift letter for closing funds. I would definitely shop for these items as they are way out of line for what the market normal is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Block, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX I made a purchase at XXXX XXXX XXXX  for XXXX. It shows the transaction went through successfully on Cashapps end. I was charged XXXX by XXXX XXXX. 

On XX/XX/XXXX XXXX XXXX issued me a refund for XXXX back to my Cash card. 
I also have a transaction number receipt from XXXX XXXX showing that they processed a refund on their end back to my Cashapp account. 

I also made a successful purchase for XXXX to XXXX XXXX the same day ( XX/XX/XXXX ). Since the cruise was cancelled, XXXX refunded me for that cruise and I received the refund with no issues. The refund shows XXXX in black bolded letters showing that the refund amount successfully deposited to my account. 

For the XXXX refund On Cashapps end the refund is showing the refund amount but it is greyed out and has a strikethrough line through the amount. Normally when Cashapp issues refunds the refund amount shows a plus ( + ) sign in bold font plus the dollar amount. So this is off that there is a gray strikethrough & nothing has deposited to my account. Where is the money and why has that one not refunded!?! 

Nothing ( the XXXX ) has deposited to my account. No one has been able to assist me with receiving the refund to my account. This has happened to me in the past where Cashapp illegally kept a XXXX $ dollar refund from me and I basically lost money on my end because they refused to assist me in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been banking with Bank of America for 12 or more years.They called me saying we are closing your account.XXXXXXXX XXXX  opened an account in 2022 they closed my account.XXXX XXXX also closed my account .They send me a notice from a company called XXXX XXXX XXXX  in Arizona.There were no specific reason mentioned.I tried to open an account at XXXX XXXX and they told me they could not open one.I run a business file all my taxes and handle transactions a businessman will handle.Most of my deposits are wire from overseas customers and I send wires to suppliers different parts of the world..

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 2022-06-28
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have XXXX credit cards through Comenity bank, one from Ulta and one from XXXX. Their website has been undergoing routine maintenance for almost 5 days now. Making it impossible to pay bills or do anything whatsoever with their cards. Their phone lines are also down. If my payment ends up being late, I do not want to be penalized or have my credit score negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: CA
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: Was not notified of investigation status or results

Complaint:
all three credit bureaus are ignoring my disputes

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 2022-06-28
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Unable to access account to pay balance! Can not reach card issuer through customer service number at any time of day! No communication from Comenity Capital Bank at all! My major concern is being charged late fees because I can not pay my bill!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
all three credit bureaus are ignoring my disputes

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 2022-11-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXX sales rep did door solicitation, installed home security devices in my home and made to sign a contract and also created citizenspay loan account in my name without my knowledge saying it can be cancelled if I didn't like their services within 3months and also marketed hifi devices but in reality installed very cheap devices. When asked immediately provided discounts of {$1400.00} and said would receive the updated contract with updated amount of {$35.00} per month including the devices cost and their services. But failed to send the contract despite repeated follow-ups and tactfully pushed cancellation time for over a month and when we sent the cancellation email they asked us to call in to cancel but do not cancel on phone saying we have to pay for the devices in full and keep charging to my wife debit card with multiple accounts despite informing them not to do so and recently received threatening call from XXXX saying the account can not be cancelled and would be sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: DISCOVER BANK
State: AZ
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted the company and they were collecting debt from someone other than me. i did not authorize or sign for any debt, and my ex wife not legally my wife provided false information to the debt company making flase claims its my debt and the collection agency altered the debt collection and stated that im the biological father and therefore its my debt. this is not a legally permissible way to incur debt, an my ex wife provided no information that legally they could add my name to a debt owed by her she is the custodial parent and is in charge of the medical invoices. i provide medical insurance. i have not signing authority for her medical

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Early Warning Services, LLC
State: NJ
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:
Earlywarnings services is in violation of 15 USC 1681 by reporting a XXXX  XXXX XXXX account that is notsupported by any evidence. I have submit a letter requesting method of verification to them pursuant to 15 USC1681i ( 7 ). I specifically asked that they verify this account by producing the orginal promisary note with a wet signature, but they have not been able to do so.I also requested that they provide me with details on who conducted the investigation and how did they conduct it, unfortunately my efforts have been fruitless. I spoke to an agent of earlywarnings services by the name of XXXX via phone on XX/XX/2022 at XXXX PM. XXXX notified me that despite XXXX  XXXX XXXX reporting innaccurate information, early warning will still continue to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Southwest Recovery Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been repeatedly contacted at my place of business relating to a debt that I do not owe. In fact, not only do I not owe the debt, but the debt has been falsely placed on my credit report and is falsely reporting to XXXX XXXX, XXXX, and XXXX. I have been contacted by Southwest Recovery Services who is falsely reporting and attempting to collect a debt on behalf of a company for which I have NEVER conducted business ; XXXX XXXX XXXX. I have been contacted at my place of business nearly five times. Each time, I have asked that the company who is attempting to collect my FALSE debt, please perform a debt verification. Each time, the company states that they will follow up by sending to my physical address the proof that I'm derogatory in any way with XXXX XXXX XXXX. To date, I am STILL getting contacted on a recorded line ( both their company AND mine ) and each time there has been XXXX follow up by either Southwest Recovery Services OR XXXX XXXX XXXX. This is a clear violation of my rights under the FCRA and the FDCPA. I have been researching my rights under both laws and I am being financially harmed. I am unable to obtain business financing due to the gross negligence in my credit sceario. I'm attaching proof of such violation in the following attachment ; as the most recent call was captured and recorded.

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 2023-09-11
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an auto loan with Santander for my XXXX XXXX XXXX. As of XX/XX/XXXX I had a payment due on my account. On XXXX the XXXX I was involved in a car accident which resulted in my car being totaled. Both my insurance and I contacted santander to let them know about this issue to prevent any late payments from being reported. My insurance then sent the payment over to them in 2 checks that equaled the full amount of the vehicle. One for {$32000.00} and another for {$2800.00}. The effective dates for these checks state XX/XX/XXXX. I just checked my XXXX credit report and they are reporting that I am 30 days late on my account which is not true!! The account is also reflecting that its open, and thats not true either. The account is paid in full and closed. It doesnt make sense that they were fully aware of the vehicle being totaled, along with being notified that the checks were sent via mail on XX/XX/XXXX and XX/XX/XXXX, and they still report my account 30 days late even after making the effective date for the payments XX/XX/XXXX. In that case that would make me 4 days late at max!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: Incomm Holdings Inc.
State: CO
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
i requested to get the numbers for the VanillaGift card i purchased for {$190.00} this evening at about XXXX, they said they will not replace it until they do a review that can take XXXX business days and wants me to send in a copy of my drivers license, i need this money to pay a bill

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Reported wrong phone on me without an permissions of mine to report any phone no. 

Reported differences High Blance under different account no. 

Still Reported paid and close 7 yr past account. 

Reported different account transfers to another office to make account be like still open for payment. 

Reported open and opened date. 

Reported different account no.

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 2023-11-14
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had XXXX student loans for XXXX XXXX at XXXX  XXXX XXXX. The first was original principal of {$20000.00} with disbursement date of XX/XX/XXXX and repayment date of XX/XX/XXXX the owner of loan being the Dept of Education. The second loan was {$20000.00}, disbursement date of XX/XX/XXXX and repayment of XX/XX/XXXX, the owner of loan also being the Dept of Education. The loans were put on hold due to Covid and not started up again until XX/XX/XXXX. We made XXXX payments to the Department of Education, XXXX payments on XX/XX/XXXX for {$6300.00}, {$5200.00} and {$4500.00} and XXXX payment on XX/XX/XXXX for {$4500.00}, totaling {$20000.00} ( XXXX bank statements attached below ). However, Mohela did not apply these payments to our principal. The principal was only decreased to {$12000.00}, approximately only {$8000.00} in payments. Mohela is unable to locate XXXX of the payments since they were not the loan servicer or provider when the loan were originated. We contacted Mohela in XXXX and they were looking into finding other payments, the loans are forbearance. We spoke with them today with no further clarification on missing payments and we are still being charged interest on a false current principal balance. Our intention is to payoff the actual {$200000.00} balance but Mohela needs to find our missing apron {$12000.00} payment and remove any accrued interest on paid off loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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, 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 an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have leased a car from Hyundai Motor Finance. I called Hyundai Motor Finance in the second week of XX/XX/XXXX  for my Title. I have changed state from XXXX  to XXXX  and in order to register my vehicle I need my title. I have contacted them several times and every time I have contacted them they told me a new story. Firstly they asked me to upload certain documents which I did. When nothing happened for a while I called them again and my call was transferred to a senior manger who was quite rude to me without any reason. He asked me to upload more documents which I did on the same date. Nothing happened again and therefore, I called them again. Now they asked me to upload the check. I specifically asked them whether I needed to do something more as I am in desperate need of the title. My registration will expire in a week. They said no this is enough. My registration expired and I didn't get the title. I called them again. Now they said I have to mail them the document. I talked to a senior manager again and he was pretty rude. I posted the documents to them and with the tracking number ( XXXX can see that the documents were received by them. Still no action. I am so done with the company right now. They have harassed me mentally and wasted so much of my time. I really need them to send my title asap.

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