BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-07
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I discovered several unauthorized transactions on my account on XX/XX/XXXX. The bad transactions started approx.XX/XX/XXXX. The card was in my possession, and I used my debit card everyday during the time of the fraudulent transactions to buy my morning coffee, lunch, and other small daily expenses never exceeding {$20.00}. when I checked my balance on XX/XX/XXXX. I  saw several fraudulent transactions : {$330.00}, {$320.00},  {$150.00}, {$150.00}, {$28.00}, {$37.00}, {$35.00}, {$100.00}, {$170.00}, {$28.00}, {$160.00}, {$67.00}, {$31.00}, {$18.00}, {$15.00}, {$100.00}, and {$33.00}. All these transactions had taken place with my debit card in my possession, while I was using it on a daily basis. I immediately made a claim, the rep explained how my card info was compromised and deactivated my debit card and sent me a replacement. My account was soon credited for my loss, and I continued using my account. A few weeks later 2 of the unauthorized transactions were deducted from my account. ( {$320.00}, {$170.00} ). When I asked why? I was told the bank was not going to honor this portion of my claim. I have made several phone calls to recover my money to no avail. Thus I've been forced to file a Civil Suit against the institution. Index # XXXX XXXX In XXXX County District Court . XXXX, Can you Please help me.

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 2016-07-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I AM FILING THIS COMPLAINT BECAUSE EXPERIAN HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THESE ACCOUNTS : ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX INQUIRIES : ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX 'S XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XXXX ACCOUNT NAME : XXXX DATE : XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX, XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XX/XX/XXXX UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA-THEY ARE REQUIRED TO " PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED '' THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE. THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-12
Company: Experian Information Solutions Inc.
State: GA
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  Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-12-07
Company: Roycroft Management
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XXXX XXXX, 2019 I was contact by Central Mediation Services four times in seven minutes. I finally answered on the fourth call for XXXX XXXX to ask if I received his voicemail. I still have the voicemail that he needed to meet me to serve me papers at my home or place of employment and to have an ID with me. He also said I could call ( XXXX ) XXXX to discuss as well, I called the number and spoke with XXXX XXXX. I had stop him as he immediately started in on why they were calling that I was being served a demand letter. I had to ask who his company was as he did not identify them. He then said I was being served a judgement. I kept asking if was I being served a demand letter ( which would normally be sent by mail since its not a court document ) or a judgement ( which would have to be signed by a judge in a court of law after a hear & I was never served with papers saying I was being sued, so there could be no judgement. ) There are so many violations of the FDCPA ; Harassing phone calls ( 4x in seven minutes ), false representation of serving papers, no information on how to verify what they were saying, telling me a cease and desist letter for contacting me wouldnt work. From what I can gather about the loan theyre talking about it would be an illegal loan under Tennessee law so they couldnt collect. The loan company is not licensed to conduct business in Tennessee nor is Central Mediation Services licensed to conduct business or collect in Tennessee. I have mailed a cease and desist letter but the company is engaging in illegal collection activities.

Company response to consumer: Untimely response
Consumer complaint received 2019-12-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: Aargon Agency, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my credit report there is a new account from Aargon Agency. I requested Debt Validation based on the info received from my credit profile and the mail was returned to sender stating the address was not available. I also requested my info and signature be provided from services received on stated date. this debt isnt mine and im not legally obligated to pay it.

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 2020-04-13
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I purchased 120 XXXX Gift Cards at {$100.00} each. I received only 117 Gift Cards and the company keeps creating obstacles to replace the three missing cards. They are telling me to audit each card number which I did and they still will not replace the cards. I have already distributed the cards that I have and want the three missing cards sent expedited.

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 2020-04-13
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My old loan company CashCall Mortgage sold my loan to another mortgage company XXXX XXXX XXXX. In the process my payment for the month of XXXX was lost. I paid my old loan company CashCall on XX/XX/XXXX for the month of XXXX And that payment was not received by the new loan company. Ive been back and forth with the old and new loan company and both have said something different and Im being penalized for the month of XXXX because they took my XXXX payment and charged it for XXXX. Its been almost two months since the transfer and that payment is no where to be seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Greentree Lending calling me numerous times throughout the day leaving me messages. Telling me that they do n't care and I ca n't afford the property. Refusing to give me the address to request all documents including notes and phone calls. Not resolving or even documenting my complaints Not disclosing all fees being assessed to my mortgage. Said they do n't care to discuss why I am behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
This complaint is not about items on my credit report. Experian has my credit score fluctuation up and down XXXX points during the course of every month and has done so for the past 6 months. I inquired about the fluctuation because there has been no change in postings on my report in months. I was informed that I have one credit card account that has a recurring {$26.00} balance that I pay off every month is the cause. This explanation was based of their FICO Score XXXX model. There solution was not to pay off the credit card each month. The problem with that solution is that I incur a {$37.00} fee if I do not pay off that small balance. This solution is not workable. There was no other explanation. I suggested to the representative that this did not make sense. If she was indeed correct I was being penalized repeatedly for responsibly using credit. She said there was no other explanation. If you could assist me in correcting the problem or getting a reasonable explanation as to what is happening I would very much appreciate it.

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 2016-06-20
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Received credit disclosure information from the XXXX XXXX XXXX XXXX on XXXX XXXX, 2016 and noticed that ( 1 ) a huge discrepancy in credit scores and the credit bureaus continue to report identical key factors that adversely affected my credit scores. The exact key factors appeared on a disclosure of credit score information XXXX XXXX, 2016. I have written to the credit bureaus disputing these key factors, with one response. Credit bureau asked that I be more specific. I replied that according to the disclosure information no specific accounts were included in these adverse key factors. I can only dispute what was presented to me. I find their comments totally absurd. A review of several credit reports does not reflect these horrendous key factors. 
There are no serious delinquencies. Public Records was a chapter XXXX bankruptcy dismissed and has been removed from XXXX of the XXXX credit reporting agencies. There are no accounts with delinquencies which makes the length of time nonexistence. The time since delinquency is too recent or unknown. This is a bogus comment with no supporting data.

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 2015-05-24
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This issue is with XXXX XXXX. They have failed to report our information correctly. We never included our mortgage in the Chapter XXXX bankruptcy filing. We paid the loan off based on the short sale agreement established with this mortgage company. The date of the bankruptcy was XX/XX/XXXX and the house sale date was XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-09-28
Company: ERC
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have filed this complaint before case # XXXX when another debt collector was being used by XXXX XXXX. They continue to pursue these charges but have not EVER proven where they come from and how they applied to my account that was closed in XXXX 2014. The account was paid in full and 6 months later an additional bill was sent to collections which I refuse to pay without accountability of where the charges come from. I have reviewed complaints about XXXX from other customers and they are notorious for charging erroneous amounts after accounts are closed and people pay them and find they continue to get billed even after that. I fear that this will happen to me as I paid my final balance IN FULL. XXXX is a dishonest company that has refused to comply with the basic consumer right of disclosure of services being billed. This should be illegal and I wish I was able to sue them for the time spent and the damage they have done to my credit history. As soon as XXXX debt collection company dumps the account, they move to another. This is what they have done. The same charges are now with a different debt collector. They will continue to harass me until I pay this charge. My credit has been damaged to the point where I do n't even care any more. They will never get a dime from me as they are thieves and I will never pay them an amount I simply do not owe. This is the fleecing of the consumer {$100.00} to {$200.00} dollars at a time. They do this because they know at some point people will give in and pay the amount they are harassing them about. I have called them numerous times to request a full outline of where these charges come from and they refuse to comply. I am NOT going to pay just because they say I owe the money. Please refer to the previous complaint that I filed and the resolution of that account. I now have to communicate and start all over with this new debt collector. This is a scam and has to be stopped.

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 2016-08-08
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
The account was mistakenly sent to XXXX for outside collection after we had a payment agreement with the original creditor. We called in XX/XX/XXXX to make the final payment only to be told that the account was know longer with them so they were unable to accept our payment. We were told to contact XXXX and make the payment there. We called XXXX immediately at that time and were told that the account had not been transfered to them as of that time and that we would have to wait until they had the account in house before they could accept the payment. It was n't until XX/XX/XXXX that the account had arrived to XXXX so they could accept payment. On XXXX XXXX XXXX we made the final payment on the account. At that point the account was paid in full, the issue was closed and nothing was ever supposed to report to credit. Now a full year and 2 months later XX/XX/XXXX XXXX is incorrectly reporting a open collection on this same account that has already been paid to all XXXX credit bureaus. I have called them and there response is that they are not and have never reported this account to credit. They state that it is each of the credit bureaus that is reporting this not them. This issue has caused my fico to drop XXXX points creating an extreme hardship for me and has damaged me financially. This is illegal, wrong and the account needs to be deleted from my credit report as soon as possible. All supporting documentation is attached for your review and consideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-12
Company: Experian Information Solutions Inc.
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: BHFC Financial Services INC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was incarcerated when the accounts that are showing on my credit report were open I was in the XXXX and I have sent this documentation to all the creditors and still nothing has been removed, I cant open any type of accounts while incarcerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Experian Information Solutions 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:
I demand to see verifiable proof of this information listed on my report "   PUBLIC RECORD   :   US BKPT CT   AZ    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 2017-10-13
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XXXX 2017 i received in mail at my mothers address banking check information of account through TD bank i did not open an account onlune wuth TD Bank received checks also linked to this account, i called them immediately out of concern and was advised the account would be closed if i did not open the account, i was transferred tp a fraud department whom advised me this would be taken care of no monies were put in the account but i advised them the person still have my social security number and name to use my information to open online i was advised they would send me something in writing i have not heard anything other than continue to receive statements about this account i am getting very frustrated because of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is my XXXX time sending each credit reporting agency a notarized Identity Theft Affidavit. The affidavit contains all information required to block the fraudulent accounts, per FCRA 605B. 

*** I have also requested that if they decline to block and/or remove the information that I am provided a copy of all evidence used in their decision. ***

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was a victim of a scam that happened on XX/XX/2021. I got two checks from a person, however he/she said they accidently issued the wrong amount and ask that I transfer the extra money through XXXX. After I did that, it turned out that those two were bad checks and all of my money were gone ( about {$3800.00} ). My account went into negative balance, the bank charged me too for having negative balance and returned checked fees. I went to my local bank to file a XXXX claim and a check claim. After some investigation, they told me the person that scammed me was a member of an XXXX XXXX ( bank of america ) in georgia, but they can not give me any further information due to privacy reasons. At the same time, I also filed a police report but they can not find the person as well. I tried to contact both sides multiple times to see if the bank can share those information directly to the police. However, the bank said they closed my case and I am still not able to get any money back. XXXX department also is not able to give me some money back. My case reported to the police was also placed as suspension due to lack of further information. I called the bank and the police nearly every month since this happened but no one can help me. I tried researching online to see if there are any way for me to get my money. I found a news saying some people that were scammed were able to get their money back. I am wondering if you can help me solve this issue. Thank you.

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