BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-04
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CAINE & Weiner at XXXX XXXX XXXX XXXX XXXX CA XXXX has been sending me collection notices in the amount of {$910.00} the collected has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Grant & Weber
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have still yet to receive actual proof of my signed authorization yet this agency advised your company they would obtain and supply. How can a company state a debt is owed without proper validation? a computer print out is not validation a normal consumer ca n't even understand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i had call them back in XXXX when i found out i was on credit report and i told them it was me than i ask where and how didn't want to get them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Aqua Finance, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My payment is set on a reoccurring payment draft for the XXXX. I contacted AquaFinance on XX/XX/16 and asked to reschedule the draft and was advised the draft could not be rescheduled or changed. This seems to be a direct violation the Electronic Funds Transfer Act. The business refused to make adjustments to a pending payment that has not been submitted and was contacted prior to the payments schedule date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 requested multiple times the unacquires be removed of my credit profile. This issue has limited my ability to seek employment, obtain credit, and I am not able to get loan and credit that qualifies to my personals because of this issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
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:
XXXXXXXX XXXX XXXX is reporting a current mortgage account, paid on time, as included in a chapter XXXX. This is NOT correct. We pay this mortgage on time every month as indicated on the supporting documents.

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 2021-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX i went to my local Bank of America branch needing to access my Safety Deposit Box. I arrived at the branch at XXXX. The hours had been reduced to XXXX earlier in the pandemic, in XXXX. 
I found the bank closed, locked, and with signs posted ( I took photos ) both describing the COVID protocols in place and that the branch is " Temporarily Closed '' with information to contact BofA for access to Safety Deposit Boxes. I both emailed the contact information and I waited online for 1 hour, 40 minutes to speak with someone ( after my first call was auto disconnected by their system after 25 minutes. ) I NEVER received notice of the closing of my bank, restricting access to my personal belongings. I have an urgent need to collect one of the items in my box and I still have NOT heard from BofA. 

BofA could and should have notified me. I log into the mobile app daily, the web portal at least every other day, and they have my email address linked to my user ID, linked to my mobile and home phones, linked to my accounts. They have multiple ways to reach me. I want my property! This isn't rocket science.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I just moved to XXXX ohio. I visited the nearest citizens bank branch in XXXX located at XXXX XXXX XXXX in XXXX  OH. I needed to do some withdrawals to pay my staff - XXXX worth of a monthly check. They refused to let me access my money, pretending that the lobby is closed and the bank is also closed. They told me to come back the next day. I asked for the manager XXXX, with no last name, that refused to let me access any funds at all. He threatened to call the police if i did not leave immediately. Laws since president FDR state that clients should have access to their money or find a solution to deliver the funds.Please protect the public from citizensbank, their branches mismanagement, and the attitude of mistrained people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have repeatedly contacted XXXX  as well as transunion about a collection company. ( XXXX XXXX XXXX ). In XX/XX/XXXX I filed for bankruptcy. In XX/XX/XXXX I received a discharge. XXXX is a debt that was successfully discharged. However XXXX changed the effective date of debt to reflect as if the debt accumulated post bankruptcy. The collection account appeared on my credit 8 months after bankruptcy dates XX/XX/XXXX. I have submitted at least two investigations with transunion and was told to forward a copy of the discharge to insure that the original debt was discharged. I have submitted those documents and still it's on my report. I've submitted the same paper work to XXXX on three different occasions both mail and fax and each time they've claimed to not receive them. Please help.

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 2020-01-29
Company: Bread Financial Holdings, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for an installment loan / line of credit for {$5000.00} from XXXX / Comenity Bank but was denied citing " Limited credit experience ''. However, I feel I have been discriminated against due to my age. I believe the baby boomers who are processing these applications are jealous and will not believe that a Generation X young woman is making more than any of them in their entire career. My credit score with XXXX  is XXXX ; XXXX is XXXX ; and XXXX  is XXXX. I have a 100 % payment history with all of my accounts. My car loan was just refinanced by XXXX XXXX  and went from 11 % to 5 % because of my favorable credit history. I have a XXXX XXXX  credit card in excellent standing with a {$0.00} balance of a {$1500.00} credit limit. I have an XXXX store account in positive standing. I have a XXXX credit card in positive standing. And a XXXX  XXXX card with a {$0.00} balance in positive standing. My student loan balance doesn't exceed $ XXXX and they are in positive standing as well. I work as a XXXX XXXX for XXXX XXXX and my annual salary is $ XXXX. Prior to obtaining this position, I worked as an entry level XXXX XXXX for XXXX grossing $ XXXX annually. I have no issues with my credit, no issues with my payment history or my ability to repay any loan and significant income coming in monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX Call said regions bank collection. I work for XXXX I do not owe a debt never applied for any loans within the regions bank. Consistently calls my parents house.

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 2021-02-26
Company: Experian Information Solutions Inc.
State: MD
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:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Chase Visa card prints entire account number rather than just the last 4 or 5 digits on bills sent through the mail in envelopes with cellophane windows. Anybody picking up a dropped envelope can get the account and use it. ( Thieves know how to break into systems to get the security code and expiration date. ) This is therefore a needed protection. Almost every financial company except Chase has this type of protection. I'm told it's not a law, but I think it needs to be, considering that ID theft is a multi billion dollar industry!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a call from Citicards about my account. I logged in online and saw that the autopay on my account had stopped and therefore no payment was taken and a late fee was charged. I paid the outstanding balance, and re-enrolled in auto pay. I asked for the late fee to be waived because I never requested that auto-pay stop, and I could not find any notice received that auto pay had been removed. Nothing changed with my bank information, and the other credit card on the account was still enrolled in autopay successfully. 

My request to have the late fee removed was declined. This outcome is unacceptable to me as I was enrolled to have my account paid automatically in good faith.

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 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
ON XX/XX/21 THERE WERE COLLECTION ACCOUNT ADDED & DEROGATORY MARK ON MY CREDIT REPORT PER TRANSUNION UPON FURTHER RESEARCH THE ACCOUNT WAS TRANSFERRED AND I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT, DEBTOR CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO THERE WAS NO FORM OF WRITTEN COMMUNICATION, CONTRACT OR SIGNATURE FOR THIS ALLEGED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANYBODY CAN SNED A BILL AND SAY ITS MINE. ACCORDING TO THE FCRA TRANSUNION HAS VIOLATED MY RIGHTS AS A CONSUMER AND IM REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I previously submitted a complaint ( XXXX-XXXX  ) stating that i never received a XXXX XXXX XXXX that I redeemed points for. I received an letter from American Express noting that they would re-process the XXXX XXXX XXXX and sent it to me. I received two seperate emails on XX/XX/2021 and again on XX/XX/2021 indicating that my redemption order has shipped. It has now been a month and i still haven't received it. I don't have any issues with my mail and I don't understand why this keeps happening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Bank of America XXXX XXXX XXXX XXXX XXXX credit card. I noticed this past month on my statement I have been getting a foreign transaction fee for certain transactions. 

These fee transactions are only listed on the statement as a separate line item- they are not listed on the online transactions activity feed on the online banking platform. They are not listed next to the transaction nor do they show which vendor or transaction it is being charged for. The fees are also not listed anywhere online or on any statement or notice that I am able to find online. There is a section online with information and services there is a section called " Fee information '' that lists OTHER fees -- annual fee / monthly maintenance fee, over limit, late payment, and return payment fee. But no mention of a foreign transaction fee. 

Other transaction fees that they charge are clearly listed before you would make the transaction ( balance transfer ; cash advance ). But again - no listing of the foreign transaction fee. 

When I called customer service to ask about this, they told me the fee is listed in the original credit card agreement- and that is where I should know to look and find it. It told them that is a sneaky fee not having it listed anywhere else again- and they told me- no they want all their customers to read that agreement fully and thoroughly. The only other place I found it - after I went digging for it - was in the marketing material terms and conditions. 

I asked them to remove the fees from my account and they did. And I asked if they would take my feedback to include that fee and list it with the other fees- and their response was that no they want people to look at their statements every month and call if they see something out of the ordinary. And that people should know to read that agreement fully and understand everything in it. 

To me -- this is inappropriate and non-transparent for the common consumer. I appreciate that they removed the fees -- but I question how many other people are being charged these fees without knowing and how much extra money Bank of America is making because of them. 

I appreciate your attention to this. 
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 explanation
Consumer complaint received 2021-04-22
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX, Mr. XXXX learned that someone have gone to XXXX XXXX, XXXX, XXXX in XXXX, Florida and purchased 2 vehicles using Mr. XXXX 's name and personal information. A police report was immediately filed. The vehicles were financed via Chrysler Capital. 

A formal written dispute was initiated with Chrysler Capital on XX/XX/XXXX via fax. 

On XX/XX/XXXX, Mr. XXXX received a collection notice on the disputed account. 

On XX/XX/XXXX I spoke with XXXX ( employee ID # XXXX ) at Chrysler Capital Fraud department. He confirmed case # XXXX was opened on XX/XX/XXXX but not yet up for review ( based on date received ). He has forwarded me a form to complete and return via e-mail. 

On XX/XX/XXXX Mr. XXXX received a call from a XXXX XXXX with Chrysler Capital Executive Offices. She advised the XXXX that all documentation must be signed in notarized by XXXX. Most documentation provided WAS signed and notarized by XXXX ; however, they wanted a separate affidavit as such. 

On XX/XX/XXXX we received Chrsyler 's Affidavit, completed and returned via fax with all formerly provided documents confirming identity theft. 

On XX/XX/XXXX Mr. XXXX received another bill from Chrysler Capital dated XX/XX/XXXX. 

On XX/XX/XXXX I spoke to XXXX ( employee ID # XXXX ) @ Chrysler Capital ( XXXX ) and was told they were still reviewing my LPoA within their Legal Dept. 

Mr. XXXX was requested to resend all new documentation he had sent in response to earlier request - all documentation was resent. 

On XX/XX/XXXX we received notification from XXXX XXXX, XXXX, XXXX that they had confirmed the vehicles were purchased illegally via IDENTITY THEFT. 

Today we have received an XX/XX/XXXX dated correspondence from XXXX indicating that the Chrysler Capital account has been updated on Mr. XXXX 's credit file indicating UNPAID BALANCE CHARGED OFF and account is to continue reporting until XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: NJ
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 explanation
Consumer complaint received 2020-10-07
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax is reporting late payments on this account and that is incorrect, I want these late payments deleted as this is hurting my credit score. The account is XXXX  XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage with Green Tree and now I see it 's Ditech. I would get calls saying the mortgage was n't paid or was behind so I figured the ex wife forgot and paid it. This went m for yes. For some reason it seem like they were always saying it was behind. I seem to see money being taken out by Green Tree and never gave them authorization to. One day after my device I got a call from them say my ex wife was 6 months behind so end up paymg the whole 6 month. At the end of 2012 I got something from them saying they were forclousung on me and it was n't behind. I got so sick of them I so go head. I had a manufactured home. The came and repo it, sold it and never removed the money from the total. Now they are say I owe them XXXX. That is not true. For all the year of double charging me and selling it they should be a XXXX balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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: Account status incorrect

Complaint:
I closed my XXXX XXXX account yet representative XXXX says it may take up to 2 months to report my account to credit reporting agencies as Closed at request of consumer. The FCRA and Metro 2 require prompt and immediate automatic reporting to all credit reporting agencies simultaneously upon closure by consumer via a mid-cycle mandatory submission. Creditor is therefore in willful violation of the FCRA and Metro 2 Compliance protocols for which I demand {$1000.00} in statutory damages for each and every day the willful violations remain. I demand permanent deletion of my account from every credit reporting agency to mitigate damages which will certainly escalate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: EQUIFAX, INC.
State: PA
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 wallet was stolen at a Mall in XX/XX/XXXX and was never found and the thief has used my information numerous times!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my XXXX credit report I noticed that Medical Data systems reinserted an account on my report that was removed in XX/XX/XXXX.  I never received any documentation about this debt. I have never done any business with this company.

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