BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-07
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a checking account with Santander Bank, and I received a text message on XX/XX/XXXX alerting me to possible unauthorized transactions on my debit card. I was n't sure if the text was legitimate, but I immediately checked my account and there were XXXX unauthorized transactions. I then called the customer service number in the text message and was connected to the Santander fraud department, who immediately declined XXXX of the XXXX unauthorized transactions. They let me know that the fourth transaction, in the amount of {$50.00}, was already processing and would post to my account on XX/XX/XXXX. Their instructions were to call regular customer service on XX/XX/XXXX when the transaction posted. They also told me on the phone that the security breach affecting my card had happened XXXX days earlier and they were already in the process of issuing a new card, although they had not notified me of this and had left the old card open in the meantime. 

The XXXX unauthorized transaction of {$50.00} did post to my account on XX/XX/XXXX, and I immediately called customer service. They told me they would open an investigation, which would include sending me an affidavit in the mail, and after that it would take a minimum of XXXX business days until they could restore the {$50.00} to my account. I find it extremely disappointing that the bank will not credit back the money when it was the bank themselves who notified me of the unauthorized transaction. 

I asked for the money to be credited back immediately and was denied. I also asked what the bank is doing to protect me from fraud, and what benefit there is to me being a customer with their bank, and was given no good answer. I am filing this complaint because I am still without the {$50.00} in my account, and because I want to warn other consumers about how frustrating it is to do business with Santander Bank.

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
After I filed the complaint about the credit reporting agencies I did a thorough investigation on my student loans and found out that all my lstudent loans are still current based on XXXX XXXX XXXX. That none of my loans delinquent. Therefore XXXX had fraudulently reported my student loans delinquent even though that is not true. XXXX, company that handles student loans falsely reported a false credit report on me. 
Sincerely 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 non-monetary relief
Consumer complaint received 2016-01-27
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I 'm a member of the credit union in XXXX NC. I went into my local branch this morning to get my taxes done and i was treated very wrongly by a lady named XXXX XXXX. She was very rude and unprofessional and i told her that i will be sending a complaint about her actions this morning, i had her to return my tax documents and i left the branch and this is my complaint and i want to know what is going to be done about it and how soon. 


Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 I noticed that someone had used my debit card to purchase XXXX  worth of stuff from the merchant XXXX  in one single day. I have fraud alerts set up on my account and none of the transactions that day were sent to me via text for verification. On XX/XX/2022 Well Fargo issued a provisional credit to my account for the full amount above. Today, XX/XX/2022, the provisional credit was reversed and Wells Fargo is deeming the transactions as authorized. The merchant, XXXX, says they believe the transactions were made by me because my ID was on file but I have no idea how this is possible because I have never opened an account with them. I didnt hear anything from Wells Fargo and then today i get an email saying my account is negative. Makes no sense at all

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 2020-12-28
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
By this message, I would like to let you know that I found accounts that are not mine in my report recently. Its violation of my rights to report inaccurate data in my credit report. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions and delete them forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
By this message, I would like to let you know that I found accounts that are not mine in my report recently. Its violation of my rights to report inaccurate data in my credit report. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions and delete them forever.

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 2022-03-17
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022, I spoke to a XXXX from XXXX XXXX XXXX XXXX regarding monthly charges that were being automatically deducted from my checking account for an alleged debt to Loan Me. I authorized her to take a ONE-TIME payment of XXXX and requested that they provide me with an accounting of any and all payments made on this alleged debt as well as the original paperwork from Loan Me. Once this was received by them, I would be able to confirm what was actually paid or owed. Instead, I received a simple XXXX spreadsheet showing payment to them ( XXXX XXXX ) rather than all payments made on the loan. When XXXX called me this past Tuesday, XX/XX/2022, I explained to her that although I received the email from them ( sent by an XXXX XXXX who I have never spoken to nor do I know ) I had not had an opportunity to look at it yet. Now today, they have resume UNAUTHORIZED debits in the amount of XXXX} from my checking account. I have already reported this to my bank as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Resurgent Capital Services L.P.
State: TX
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:
On XX/XX/2022 I disputed this account with the " creditor '' LVNVFUNDG. Below is a copy of the letter sent to them requesting validation, as it is my right. They never responded and they keep hurting my credit with negative erroneous information, causing me and my family great deal of stress, since we are in the process of buying a new home. 

I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

I request proof of contract, with signatures and the contract, of all parties involved. 
Provide a breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. 
I expect to receive all the proof requested above within 15 days of this letter. 
Sincerely, XXXX XXXX XXXX. Please do not call me. Use mail only.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Paypal Holdings, Inc
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX stating that acct # XXXX XXXX Ref # XXXX Debt Description : PAYPAL ACCOUNT Amount of Debt {$61.00} needs to be paid & the options I have to settle this debt. 
I contacted Papal at XXXX & was transferred to the collection department when I supplied the account # on the letter. They stated this was a fee for a transfer deposit totaling over {$2500.00} to this PayPal account from XXXX XXXX for some sort of custom knives in XX/XX/XXXX. She suggested that maybe I sell things like on XXXX, which is incorrect. I have never used Paypal to sell things. There is a charge of {$61.00} fee to receive the funds. I inquired what bank account this PayPal account was linked to as it is separate from the legitimate PayPal account that I actively use. She stated this account was never linked to a bank account & she asked me to verify my email address. I gave her my email address XXXX. She said that does not match the account but she would be unable to provide any more details regarding this account because it was sold to XXXX XXXX. I requested to close the account so it may not have further use & she stated that XXXX XXXX would assist me with that. If I want details & proof of the debt/transactions I have to contact XXXX XXXX. She gave me the # to contact them at XXXX. 
I contacted XXXX XXXX at the number provided PayPal per their instruction. XXXX XXXX required I give them my personal information which I did not feel comfortable doing just to talk to them regarding the debt. Then stated they do not have any details regarding the debt, nor can they close the account. They just know the balance & are seeking payment of the debt. They can not provide proof of the debt. The notice I received in the mail says I can request proof of debt from XXXX XXXX. He then stated he would be marking this as a disputed account & no further action would be taken until the investigations team could take a look at the account. I requested to speak to someone on investigations or anyone that could give me more information & he just reiterated that they do not have details regarding the debt & said this will be referred back to PayPal for payment & resolution. I should receive a letter from the Investigations team around 60-90 days from now detailing the outcome of the investigation that I apparently don't need to play a role in according to PayPal & XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I received documentation from portfolio recovery saying that I owe them a debt. These documents arent proof and the looked created by XXXX XXXX rather than official from XXXX XXXX. All documents look fake. There is no transactions to show why the amount is what it is. They dont contain a wet signature from me stating that I agreed to a contract with them neither to this XXXX XXXXXXXX account. Look at attached documents below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: EQUIFAX, INC.
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX claims I have a debt of {$540.00} from XXXX XXXX. They placed the debt in the derogatory marks in Equitfax, XXXX and XXXX. I have no such debt and they have not supplied me with proof. I had them removed from Equifax and XXXX. I submitted a complaint to them through XXXX and they were not removed. They have not supplied proof of this debt. XXXX needs to remove XXXX XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On   XX/XX/XXXX ,  I became a tenant at  XXXX  at  XXXX   XXXX . I signed a  one  year lease.   Moved out after 10 months on   XX/XX/XXXX   because of I had another place that was available and afraid to lose this opportunity. I paid the  XXXX  month before I vacated.   There was {$870.00} still due..for 12 month rent.   I waited to see if the landlord could rent my apartment to someone else.   Sure enough they were able to rent to a new tenant on   XX/XX/XXXX .    Under Florida  State  law a landlord is not permitted to collect double rent on an apartment, therefore by law I was not to pay the landlord for the  XXXX  month.   The landlord without any notice with complete malice gave the debt to attorney Warfield for collections. The landlord gave me no credit for the  XXXX  month that I paid as well as requested collection for the  XXXX  month.   I did not know this was in collections occurred until receiving a phone call in   XX/XX/XXXX .    This is an error on  XXXX  counts. Please have this removed from my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28
Company: AFNI INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, On XX/XX/2020 I disputed an account reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. 
I was informed on XX/XX/2020 that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit Report under a New Company named AFNI, Inc. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX, AL XXXX Cc : Consumer Financial Protection Bureau XXXX : Attorney Generals Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: First National Collection Bureau, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX EMPLOYEE/SUPERVISOR XXXX XXXX HAS STATED TO ME THAT BY LAW XXXX DOES NOT HAVE TO SUPPLY A STATEMENT ON THE FIRST LATE DATE OF THIS ACCOUNT, NOR DO THEY HAVE TO KEEP THE IN HOUSE RECORDS. I ALSO HAD THEM CHECK INTO ANOTHER CASE THEY HAD IN THERE OFFICE SOMETIME AGO. 
ACCOUNT NUMBER : XXXX Original Creditor : XXXX, XXXX. 
Current Owner : XXXX XXXX XXXX XXXX Number : XXXX AND THEY HAD TOLD ME THAT THE ABOVE CASE HAD BEEN DISMISSED, AND THAT THE CASE I 'M DISPUTING NOW ACCOUNT NUMBER : XXXX REF NUMBER : XXXX WOULD BE CLOSED DUE TO HARDSHIP, BUT I 'M STILL BEING HOUNDED BY THEM AND FIRST NATIONAL COLLECTION BUREAU , INC .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent out 3 letters to the credit bureaus regarding the accounts that are reporting on my credit reports. The last letter I sent was XX/XX/2020 and there hasn't been any results or anything updated on my credit reports that a dispute was even initiated. 

I am under the impression that all disputes have to be completed within 30 days. Well I still havent seen any changes. 

At this point the credit bureaus have been ignoring all of my disputes and this is stressing me out. I am considering filing litigation. This is causing me to lose hair and everything. Being a victim of the XXXX  data breach I don't know who has my personal information. 

XXXX is the only bureau that has been responding and has deleted the items that were disputes. So I don't even understand how Experian and XXXX are reporting these items.

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 2022-03-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I called Citizens bank customer service serval times during their working hour, but their line is always busy. I held on the line for an hour, but no one answered. There is no Citizens local branch in my area. I need to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
By this message, I would like to let you know that I found accounts that are not mine in my report recently. Its violation of my rights to report inaccurate data in my credit report. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions and delete them forever.

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 2020-12-28
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I lost almost all my work during the beginning of Covid and my Mortgage company Wells Fargo offered me a Mortgage deferment. I signed up for 6 months, but they didn't get the paperwork sent to me in time and did 7 months I am now back to paying my payment but I saw instead of my mortgage balance being the same, it is now the amount ( over {$6000.00} ) of my deferment. I was at {$72000.00} principal balance, but now am over {$78.00} When I reached out to them, they sent me a response back stating it is an " unpaid secondary principal balance. '' This isn't what I was told at all. I only deferred my payments, they shouldn't have added it like I'd taken a secondary account! Please help I havne't uploaded a copy of the response back, but I can upload later if you need 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