BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-01
Company: CL Holdings LLC
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:
i have sent dispute letters to XXXX and after i did they sold my debt to someonesle. i have also file disputes with jefferson capital systems and yet to hear from them. Im sick of them ignoring my request to resolve my credit issues

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, I opened an account with First Citizens Bank through a promotional offer that was advertised to me. The promotional offer was : Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : 1 ) Establish a direct deposit of at least {$1000.00} per month OR make 10 debit card transactions within 90 days of account opening. 2 ) Enroll in eStatements. 3 ) Open a new savings account. 

I opened the account on XX/XX/2020. I enrolled in eStatements, and opened a new savings account at the same time. I completed the 10 debit card transactions on XX/XX/2020, which was within 90 days of account opening. 

Per the terms of the bonus, the bonus should be paid within 120 days of completing the requirements, which I completed on XX/XX/2020. It has now been 120 days and there is still no {$300.00} bonus to my account. 

Thank you for your help! 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
I received a letter from Chase about a CD that was up for renewal on XXXX/XXXX/2017. As the proposed rate for the renewal CD was only .02 %, I called the number on the letter to inform the bank that I wanted to non-renew and have the balance roll to checking. After getting through the awful automated phone system, I finally got to an agent. Following my explanation he informed me that I had to go to a branch to effect that transaction, despite the fact that the letter had included that phone number. I asked for a supervisor and he told me he was a manager. I still asked for his supervisor, so he put me on hold. 
When he came back on the line, he did not have a supervisor but said he had gotten " an exception '' to perform the transaction. Then he informed me that there would be a penalty. When I asked why in the world there would be a penalty, he said it was because I was calling before the ending date on the CD. When I explained that I wanted the transaction to occur on the end date ( two days from now ), not today, he told me I could not inform them in advance, but had to call on the specific ending day to avoid this penalty. 
I told him that he should be able to take the information and set the transaction up in advance, but he said he could not. Finally I told him to just finalize the transaction, as I 'd spent far too much time on this already. While the penalty was just a couple of dollars, I think this is outrageous. 
I am a Private Banking client at Chase, and so wonder what happens to customers who are not!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: Broadway Account Services
State: IN
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
A gentleman from a unknown phone number called me on XXXX/XXXX/XXXX at XXXX pm. The gentleman identified himself as XXXX XXXX, a investigative officer from XXXX XXXX in XXXX, Kentucky. He told me I had criminal charges pending against me and that I needed to call a XXXX phone number and give them a account number he gave me for further information. I told him that it was against the law to impersonate a officer for a debt collector. He said this was not that. I called the number and it was a collection agency who claimed I had a payday loan debt. The company could not give me a date of the loan or the address of the company that the loan was supposed to be owed to.They threatened to take me to court if I did n't give them current info or acknowledge the debt. I told them I had never received any information regarding this debt and that I needed something in writing they refused to provide it. They claimed this debt was prior to XX/XX/XXXX but, that the claim was filed then. The name of the company is Broadway Account Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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 respectfully request to the have the following complaint filed against Capita One Bank in reference to a credit card that has been reporting negatively for the years. This debt has expired and should no longer be reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Conduent Incorporated
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Eppicard denied a dispute in the amount of {$7300.00} on my account without telling me the reason. My account was hacked on XX/XX/2020. I received an email notification at XXXX on XX/XX/2020 that my pin had been changed. I called to check the status of this alert and discovered my debit card had been fraudulently used to withdraw {$7300.00} from six different transactions in Maryland. I called Eppi Customer Service around XXXX to report this suspicious activity and close my debit card. I have not used my debit card since XX/XX/XXXX ( XXXX ) at XXXX XXXX. My PA Eppi debit card was in my wallet the entire time during these fraudulent withdrawals and still in my possession. 

I immediately opened a police report on XX/XX/2020 with the Police Department reporting the theft of my money. 


In my Eppicard Agreement it states : Your Liability. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen or your PIN has been compromised or you believe a transaction has been made without your permission using information from your Card account. Contacting us by telephone at the number listed on the back of your card, is the best way to minimize your possible losses. Or write us at Customer Account Services, XXXX. XXXX XXXX, XXXX XXXX, Texas XXXX as soon as you can. You could lose all the money in your Card account. If you tell us within two ( 2 ) business days, after you learn of the loss or theft of your Card or PIN you can lose no more than {$50.00} if someone used your Card or PIN without your permission. If you do not tell us within two ( 2 ) business days after you learn of the loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as {$500.00}. 

My card was compromised on XX/XX/2020 and I called the Customer Service the same day XX/XX/2020 to report my card being used fraudulently and my card was closed and another issued. I also opened a police report on XX/XX/2020 reporting this theft. 


Also, there is a daily limit of {$500.00} but somehow someone was able to take {$7000.00} in two hours. 

This is really looking like an inside job and a disgrace that government agencies are trusting Eppicard/XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
They need to remove the XXXX XXXX XXXX and bankruptcy do to fraud commented by the creditors. Illegal foreclosure. Led to bankruptcy. I lost $ XXXX do to this

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have had a very difficult time with Rushmore. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Rushmore always seemed to lose my paper work, which I constantly had to re fax. I also had a very difficult with the representative XXXX XXXX who accused me of " going on trips but no paying my mortgage '' This was based on a purchase on an airline flight, I bought a drink and chips. This was a business trip were the tickets were paid for and the expensive as well. I was very hurt by this and felt this representative did not want to help me avoid a foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with Citizens after seeing and using a {$300.00} sign up promotion requiring an eligible direct deposit. I opened the account in XXXX, and satisfied the requirement in XXXX I have not received the promotion to date. All my attempts to contact customer service to resolve have failed, including online chat, SMS chat, and multiple calls to customer service that always result in hold times nearly XXXX minutes and either not getting in touch with someone, or being put back on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the following items. The information is not accurate and is different from other bureaus. Please see the items stated below XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$9100.00} XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am name is XXXX XXXX and this This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-28
Company: MARINER FINANCE, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
An account was opened fraudulently in my name with this company. I called twice before getting to speak with XXXX from the XXXX XXXX XXXX and explained to her that I was not the person that took out the loan. I then went to the office and asked for a copy of any documentation that was used and that I would sign an document stating that I swear to not opening the loan. She then told me that they could not find the check or any documentation and the loan would be absolved. I think continued to request a copy of the paperwork and after more than 30 days, I have not received any documentation and the account has been added to my credit report. I have disputed the account and send formal written letters to the company headquarters and still no paperwork has been sent and they verified the account with XXXX XXXX stating that the account was valid. I have not been able to reach anyone to get any information and XXXX XXXX will not dispute the account again until after a wait period.

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 2020-08-17
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting stolen and is see a list of derogatory items that are not mine including bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and his information on my report is very incorrect. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX XXXX   XXXX {$8000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent letters to this debt collector and they are attempting to collect on a debt not authorized by an original agreement. They have not produced any agreement that shows that I owe a debt yet they are continuing to collect on a debt, fees, interest, and costs not authorized by an an original agreement. They have also threatened me with legal action that they can not actually take and I feel very harassed. Additionally, they have failed reported inaccurate information to my credit report including, but not limited to failing to update the credit bureaus to state consumer disputes. I am requesting that your office please investigate this matter I am a XXXX citizen and this is causing me a lot of anxiety spending all of these countless hours trying to fix the mistakes of this company tying to collect on a debt that a contract does not even exist for. I am requesting that none of the companies listed contact me by telephone and communicate with my authorized representative only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-29
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I was given my parents home in a trust and was deeded to the trust. It is a VA loan. The company Planet Home Lending was notified of this change in 2013. I continues all payments and they accepted the insurance all years. Now they have requested the insurance state the ESTATE of. There is no Estate it is a trust. They gave me the option of getting this stated or I would need to assume the loan. I in good faith have made all payments, insured and made this my home.

Company response to consumer: Closed
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: OH
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : ) XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
The borrower XXXX XXXX, was approved by the first mortgagee, XXXX ( ie. the loan servicer ) for a short sale on his primary residence and under the short sale approval letter, the first mortgagee had agreed to waive a deficiency in excess of {>= $1,000,000}. To close the transaction, an application was made to the second mortgagee, Chase, to obtain a release of lien in order to deliver clear title. The First Mortgagee, XXXX, provided for a payoff of {$8500.00} to Chase on the second mortgage. The short sale approval letter on the first mortgage expires on XXXX XXXX, 2016. An immediate application for approval was submitted to Chase on the second mortgage on XXXX XXXX, 2016. Folks in the Chase collections department are handling the matter. They are seizing the opportunity to delay the transaction, to forbear from rendering a decision, solely for the purpose of holding up the borrower, hoping they can extract more funds from the transaction. It appears that Chase through its senior vice president, XXXX XXXX, Chase has refused to address the application on its merits. As a result, XXXX XXXX will be losing his ability to close under the terms of his approval letter on the first mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased an automobile through Nissan-Infiniti LT. The lease was serviced by Infiniti Financial Services. I turned the car in to my local Infiniti dealer at the end of the lease term. A few weeks later I received an " End of Lease Liability Statement '' from Infiniti Financial Services stating a net liability of {$3000.00}. Charges included " Unsatisfied Contract Obligation '', '' Excess Wear and Use '', " Tax on Excess Wear and Use '', and " Remaining Rents Due '', among others. I wrote Infiniti Financial Services challenging these charges and they provided an illegible copy of the contract and did not address several of my questions. Concurrent with their correspondence, they turned my account over to a collection agency. Their actions have hurt my credit rating and are heavy-handed and unethical. I do not believe the bill is accurate and I do not believe I have an obligation to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Receivable Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX, I joined XXXX and received a FicoScoreXXXX credit report. At that time, I discovered a collection reporting from Receivable Recovery Services. This was my first knowledge of this alleged debt as I did not receive any prior correspondence from this company. This company refuses to fully validate this alleged debt ( see attached correspondence ). I have never in my life been XXXX. I divorced and later remarried in XX/XX/XXXX. My current husband has not been XXXX during the entire time he has lived in Louisiana. Although this debt is disputed, as of XX/XX/XXXX this company continues to report this collection activity ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting stolen and is see a list of derogatory items that are not mine including bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and his information on my report is very incorrect. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX   CHAPTERXXXXBANKRUPTCYDISMISSED XXXX XXXX   XXXX {$8000.00}

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 2020-08-17
Company: Harris & Harris, Ltd.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a phone call saying that I owed a debt. I wrote to the company requesting written documentation of the items in question. I also wrote to them and asked the not to contact me by phone but only by mail. I used the CFPB template letters for these purposes. 

I continue to receive daily calls and i have yet to receive any written documention as to any alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I closed my checking account, savings account, debit card and online banking with Santander Bank in XXXX 2016. In XXXX 2016 they sent a bill payment through my closed account to another bank. The other bank charged me {$15.00} NSF fee due to returned check. I called Santander bank to find out why they sent a bill through a closed account, their response was that my bill payment service was n't closed. They said I had to request it to be closed separately. I said it makes no sense, if I closed all my accounts and online banking, why would bill pay remain open. After speaking a supervisor name XXXX XXXX, she asked me to fax her the letter that showed the other bank charged me {$15.00} which I did few weeks ago. Now I 'm getting a run around. She tells me she ca n't refund the money because I do n't have an open account. Now she 's not returning my phone calls. Every time I call the bank, I have to explain my situation to a new representative. I have left several messages for her but have n't heard back. I find it very deceptive and poor customer service. First they cause me a fee and then they wo n't help resolve the issue or refund the money.

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