BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
At this time, I respectfully request a copy of my Experian, XXXX and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I 'm very upset at US Bank First while it 's charging me for it {$80.00} for paying child support with my child support is taken out my work check write a file on me and take you {$80.00} for no reason victim of fraud they take your time to reply back they ignore me for over 2 weeks I 'll tell me what 's up what 's going on with my account and then I put my checks are getting deposited in there right now I have to wait for my money and I have no but I know my car 's messed up in the shop all my bills are messed up and then I was getting past due and they wo n't tell me how to make my money and I 'm going nuts

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 2016-10-10
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a new checking account with US Bank in XXXX of this year. I opened this account as a result of a promotional email I received from US Bank. The email stated I was eligible to receive a signup bonus of {$150.00} for the account, after I completed a series of qualifying direct deposits. I completed all of the direct deposits, and confirmed this with the bank that I had satisfied the requirements. The bonus never arrived, and after I called the bank to inquire as to the status of the bonus, the bank informed me that the promo code was never attached to my account. I find this unacceptable, as I clicked the promotion link directly from the email I received from US Bank. The email clearly has the promo code in it also, but US Bank still refused to take that code, even though I clearly had it and had applied through the promo link. After opening this account, I also received email confirmation on XXXX XXXX directly from US Bank from XXXXXXXXXXXX, and in the email it was confirmed by this bank representative that the promo code was attached to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-06
Company: Credit Karma, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On or around XXXX to XXXX I saw a lot of pre approvals on credit karma. At first I didnt pay it any attention, but credit karma kept sending me all sorts of different pre approvals, telling me I qualified for credits cards, personal loans, and that I can refinance my car. I would see these offers every time I logged in to check my check score. After a few months of being told that I was pre approved, I thought I was in the perfect place to apply. So I applied on or around XXXX and was denied several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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: Information belongs to someone else

Complaint:
I have reported accounts and inquiries that were fraudulent but I get no results or even response from the bureaus.

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 2022-11-01
Company: Advanced Resolution Services Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have attempted to have my security freeze/suppression lifted from my consumer discloser report several times and it has not been removed in over a year. According to the fair credit reporting act this company is required to comply but has not. I have spent hours on the phone trying to get this problem resolved sent in documents etc but have yet to accomplish removing the security freeze or suppression from my consumer discloser report. This freeze is inhibiting my ability to obtain credit and putting a huge strain on my life

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: U.S. BANCORP
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I suffered XXXX XXXX ang a XXXX XXXX and several other health issues. Became delinquent on our mortgage payments. Took about two years and a lot of effort but a mortgage modification was offered. We paid the three trial payments as stated in the modification contract. 3 payments of {$2100.00}. All stipulations in the trial modification period have been satisfied on our part. Modification was accepted by both parties. Paperwork signed, notarized and sent. Contract states as of XXXX/XXXX/2016 all documents are automatically modified. Made payments on XXXX/XXXX/16 {$2100.00} for XXXX & on XXXX/XXXX/16 # XXXX for XX/XX/XXXX. received bill stating I owe for XX/XX/XXXX still. Without permission used payment for escrow and part on XX/XX/XXXX? Turns out they say my payments needed to be {$2700.00}! Have talked to XXXX+ loan mod. reps but not answers, no return calls! They refuse to apply my payment where it belongs and never adjusted my interest rate! It is 5.25 when it is supposed to be 3.25 according to contract be XXXX/XXXX/16! Now they want {$2700.00} for XXXX! They violated the modification contract in several ways and refuse to abide by the modifications!!

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 2016-01-12
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Went to XXXX XXXX, XXXX, AL on XXXX XXXX, XXXX to try to purchase a car. The salesman conducted a payoff verification via phone, and a Santander Consumer USA representative divulged other account information to the salesman in addition to the payoff. Consumer contacted Santander Consumer USA and filed a complaint, immediately. Today, XXXX XXXX, XXXX, a representative from the Santander 's president 's office contacted me to state that there is no record of anyone from the office verifying a payoff on my account -- clearly, a bald-faced lie. Consumer witnessed a telephone call of the salesman that lasted 10 minutes, and the salesman revealed the information that was written down on a piece of paper. Where did this information come from? Santander is trying to " wash its hands '' of this privacy violation. 
Santander is claiming no such transaction took place, and it has completed its investigation. No action will take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$4700.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XXXX is reporting on my XXXX as multiple accounts when all these accounts was discharged in bankruptcy. I want them to remove these. I have called them on multiple accounts to only get they ca n't do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
A company called me from this number XXXX XXXX XXXX XXXX, and told me that Orchard bank had discharge a debt XX/XX/XXXX and was not planning to take legal action, that I can offer a payment amount and see if they will accept it. I told them that I did not recall having a mastercard in default XXXX years ago. I told them that i will call my lawyer and get back with them in XXXX. XX/XX/XXXX. I felt like i was being presured into owning this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair Credit Reporting act XXXX Acount # 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 602 A. States a consumer reporting company or website can not fumish an account with out my written instructions or Agreemnets.I did not Give experian.com or aidvantage.com my written consent To Report these Six late payment negitive items on my Cridet. Please help me! Experian is the only credit place that is refusing to remove these Items all The other credit place have removed my negtive Items from the 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 non-monetary relief
Consumer complaint received 2016-09-01
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
HELLO, I TOOK OUT AN AUTO LOAN BACK XX/XX/XXXX WITH SANTANDER CONSUMER. THE LOAN WAS FINANCED AT {$13000.00}. OVER THE COURSE OF THE LOAN I HAVE HAD LIFE ISSUES AND HAVE PAID PAYMENTS BEHIND, TAKEN DEFERMENTS AND WENT THROUGH A PAYMENT REDUCTION FOR A SHORT PERIOD OF TIME TO HELP ME. AS OF XX/XX/XXXX I HAVE MADE XXXX PAYMENTS OF {$390.00} WHICH IS A GRAND TOTAL OF {$20000.00}. I WAS TOLD THAT THE BALANCE STILL DUE WAS XXXX AND THAT NONE OF THAT MONEY WENT TO THE PRINCIPAL BECAUSE OF PAYING BEHIND. I HAVE ONLY RECEIVED THE STATMENTS REGULARY IN THE MAIL. I HAVE NO PAPER WORK TO SHOWING EXACTLY WHAT THE FUNDS WERE ALLOCATED TO. I WAS TOLD THAT THE ACCOUNT WOULD BE CHARGED OFF ONTO MY CREDIT. I HAVE MORE THAN PAID FOR THIS CAR THAT IS CURRENTLY WORTH AROUND {$3000.00} AS THIS WAS A XXXX NISSAN. THE CAR WAS N'T EVEN BRAND NEW WHEN I GOT IT. I BOUGHT IT FROM XXXX XXXX LOCATED IN XXXX, GA. I WAS TOLD THAT THEY NO LONGER DO BUSINESS IN XXXX, BUT IN XXXX. BOTH LOCATIONS WERE SOLD TO MY SUPRISE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: Synovus Bank
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XX/XX/2016 my bank ( Synovus XXXX XXXX XXXX XXXX sent me an e-mail stating a check I had authorized was not cashed ( as the date had expired ) so my account would be credited. 
On XX/XX/XXXX I called said bank ( talking to XXXX in customer service ) advising that my acct was closed so they would have to issue me a direct check. She was to call me back. 
On XX/XX/XXXX I called again as they did n't & talked to XXXX explaining all. He said check would be a re-issued within a week. 
On XX/XX/XXXX I called again & talked to XXXX who said check was sent to my former address on XX/XX/XXXX. Said would re-issue to my new address. 
I still do n't have my money!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
They say the dead is {$280.00}. This was sold to another collection agency from the first collection agency. I told him it was identity theft, and now they sent it to another collection agency saying I owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ; XXXX, XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I AM VERY CONCERNED ABOUT TRANSUNION AND I CALL TO YOU. BECAUSE SINCE XX/XX/2021, I HAVE COMMUNICATED BY LETTERS OR CALLS WITH TRANSUNION ABOUT SOME DITCHES THAT ARE NOT MINE. 

TRANSUNION SAYS THAT IF AND WHEN I CALL THESE BANKS OR COMPANIES, WITH MY SOCIAL SECURITY THEY DO NOT FIND MY INFORMATION WITH THEM. 
THESE ARE THE ACCOUNTS : XXXX XXXXXXXXXXXX XXXX ACCOUNT NUMBER XXXX .... 
XXXXXXXX XXXX XXXX  ACCOUNT NUMBER XXXX .... 
XXXX XXXX XXXX  ACCOUNT NUMBER XXXX .... 
XXXX XXXX XXXX ACCOUNT NUMBER XXXX ... 
XXXX XXXX XXXX ACCOUNT NUMBER XXXX .... 
XXXX XXXX XXXX  ACCOUNT NUMBER XXXX .... 
XXXX XXXX XXXX  ACCOUNT NUMBER XXXX .... 
XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX ... 
XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-02
Company: Paypal Holdings, Inc
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have been using PayPal Credit for years to make purchases online from various retailers, and have been enjoying their payment terms immensely, but I am very distressed by the fact that, notwithstanding my impeccable payment history and nearly {$4000.00} of unused available credit, this account is not reporting my credit behavior to the credit reporting agencies. PayPal Credit functions essentially identically to a credit card, and it runs a hard inquiry on your credit report when you apply for it, so I do not understand why it is permitted to withhold valuable consumer information about its users from the reporting agencies. There should either be a requirement that any creditor who runs a hard inquiry as part of their evaluation about credit issuing decision has to make regular reports to the agency they use about the credit behavior of their borrowers. Alternatively, borrowers should have a way to report their own credit behavior to the agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: URS Holding, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX, a representative of Altran ( XXXX ) called several of mt relatives in another state and a friend regarding my debt. I was embarrassed and furious! I told them that I do not have a job and that I would pay my debt when I get a job acceptance. I also told them to stop calling me. They stressed me out so much with calling that I blocked the number, and I received a call from a relative and non-relative that they left several messages on their voicemail. This is not right and should not be legal!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I ca n't remember when I even took a XXXX XXXX loan ( before XXXX ) but I had n't gotten any request for payment for years and in XXXX I filed a chapter XXXX and a XXXX XXXX amount of about $ XXXX was included. In XXXX I was diagnosed with XXXX and went through XXXX and 6 months of XXXX. I successfully completed my 5 years of chapter XXXX payments in XXXX of XXXX and all of a sudden today I received 6 emails from a company called Navient saying I owe $ XXXX to someone. I will not pay this ... .I did n't owe it to begin with and I completed XXXX and chapter XXXX. Please STOP these people ... .they are evil.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was misled when I acquired the loan to help pay for my education. The interest rate was suppose to a constant rate however it has fluctuated over the years. A then XXXX loan ended up being over XXXX due to interest rates and forbearance. No options were given to pay at a lower rate. Instead they have given me higher monthly payments that I can not afford. The reporting of this loan is hindering me from purchasing a home. It has now been sold to another company that I am now making payment to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: BETHPAGE FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I applied and was approved for a HELOC 13 months ago. I was told and their web page advertised a 2.99 % interest rate for the first 12 months then a permanent fixed rate of 3.25 % for the life of the loan. My interest rate has jumped from 2.99 % to 8 %. My payment has gone from {$210.00} per month to {$560.00} per month. I can not afford to pay this. I have contacted them and they offered me a fixed rate that was higher than the 8 %. I have clearly been tricked and intentionally deceived. I am a senior citizen and the company that I have worked for the past 19 years has been sold and my someone has been promoted to my position and my hours and wages have been cut significantly. I was lied to my the loan officer at Bethpage when I took out the HELOC. I was clearly told that my rate will be 3.25 % fixed for the life of the loan. I have informed them that the payment due XXXX XXXX will not be paid as my income is not what is was.

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 2015-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Bankruptcy

Complaint:
Dear Sir/Madam, We are XXXX XXXX and XXXX XXXX XXXX. 
XXXX XXXX charged our XXXX XXXX credit card XXXX amounts of {$1400.00}, altogether was {$2800.00} without our consent. The story was : On XXXX XXXX, 2015, We used our XXXX XXXX credit card booked and paid for XXXX round trip tickets from XXXX to XXXX for {$1000.00} each through XXXX. 
The round trip ticket shows, we fly with XXXX from XXXX to XXXX and fly back by XXXX XXXX. 
On XXXX/XXXX/2015, We boarded and flied with XXXX was fine. The return trip on XXXX/XXXX/2015 with XXXX XXXX which check-in and boarding was smoothly, they DID NOT said any thing wrong with our tickets. until we checked our XXXX credit card statement. We found out XXXX UNAUTHORIZED charges of of {$1400.00} each, altogether is {$2800.00} by XXXX on the date we flew back from XXXX to XXXX on XXXX/XXXX/2015. These return trips were included in our PAID round-trip tickets. Why they charged us again for the trip we already paid for. 
First We called XXXX XXXX to complain about XXXX unauthorized charges, they said we need to contact XXXX XXXX to solve these problems, which We did. 
After weeks of complain with XXXX XXXX, on XXXX XXXX, 2015, they only credited us XXXX of {$530.00} XXXX Refunded XXXX money of round trip ticket? XXXX. We think the XXXX credits of {$530.00} were NOT the right amounts which XXXX unauthorized XXXX charge of {$1400.00} each, still {$1800.00} short. 
On XXXX XXXX, 2015, We sent registered mail to XXXX XXXX to complaint about their credits to us were NOT right amounts, but they replied " Was unable to obtain credit to our account ''. These were really unfair practice of Bank of America to their customers. PLEASE help us to get back our hard working and saving money back. 
Thanks for your reading time and helps. 

Sincerely. 

XXXX XXXX and XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief