BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
All of these inquiries where not initiated on authorized by me please remove. 
I attempted to resolve the issue but was told nothing could be done.

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 2017-08-30
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
I have a lease agreement with Santander consumer USA. I have to pay {$1.00} end of the lease to own the vehicle.The vehicle was repo due to non payment. When I called them they asked me to pay {$6500.00}. I sent them a XXXX XXXX for the same amount yesterday and given them the reference number of the XXXX XXXX.. They promised me that they are going to send a fax to release vehicle within XXXX. When I call them today they informed me that they ca n't release the vehicle. The vehicle is XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-12
Company: Tormey Bewley Corporation
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am writing in regards to my son 's account, XXXX,, Account # XXXX. I am disputing this past due balance associated with XXXX for the amount of {$190.00}. I contacted the original creditor and they are unable to verify if they sent me an invoice for the amount due prior to sending this account to collections. In addition, they are unable to verify if the insurance was billed for said charges. I need the account turned back to the original creditor so they can bill my insurance correctly. We have a primary insurance & a secondary insurance - I should not owe anything since the secondary insurance covers 100 % of the billed charges. The original creditor can not validate if the insurance was ever even billed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Credit Protection Association, L.P.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX still trying to defraud us by charging us for the bill we already paid in full, before we left XXXX, XXXX. We also returned all equipment provided for our TV services then. They continue to defraud us for no good cause, but, finagling and Gouging us unlawfully. We definitely do not owe XXXX nothing, after my wife and I went to XXXX store to turn-in equipment and paid the rest of our bill there. I also wanted to have them stop sending my bill to my daughter 's address, rather send them to me if so desire. My address : XXXX. XXXX XXXX XXXX, XXXX XXXX, otherwise, XXXX ought stop sending out unnecessary harassment defrauding bills were already paid. 

There Address : XXXX XXXX C/O Credit Protection Association XXXX. XXXX XXXX XXXX XXXX XXXX. It was sent to my daughter 's address, since we sold our home in 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 2022-08-26
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX a deposit amount from my employer was sent to the PNC bank using a generic routing number that is PNC owned. The funds were never deposited into the account. The funds are holding due to the routing number not being correct. I was told I would have to wait for the funds to be rejected in order to have the funds deposited into my account. I was also told that the funds could be moved by the ACH department immediately. Upon speaking with them, I was told it could not be done. If the account information is correct the routing number was PNC owned why were my funds not sent to the account. I was told per XXXX and XXXX that they were behind in there work and I would simply need to wait. That is not my problem they are short staffed or behind why tell a 10 year customer that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-13
Company: Ditech Financial LLC
State: OR
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XX/XX/2011 I filed a chapter XXXX bankruptcy which included a past due amount on my mortgage. I continued to pay my current payments and also my trustee who paid on the arrears that was supplied to my attorney. During the bankruptcy the lender tried to increase my monthly payment by almost {$900.00}. I continued to pay the same amount I had been according to my attorney 's advice. The lender filed a post petition stating I was not in compliance with the bankruptcy and tried to get it dismissed. At the end of the bankruptcy the lender claimed I owed {$9400.00} but had no idea where that amount came from. The judge determined I pay a final cure amount of {$960.00} which I did and my bankruptcy was discharged. Shortly after the discharge I received information the lender was claiming I was over {$10000.00} in the arrears I contacted them regarding the discharge and they said the previous company that was managing my account had made an error. They were suppose to send me a letter telling me how they resolved the issue. Now a year after the discharge they are saying I am over {$8000.00} in the arrears even though they show I have made all my payments. The problem is that the current payments are being applied to months that were discharged in my bankruptcy. This is the second time I have had to contact them regarding their misapplication of payments and they just do n't fix the problem. I received a letter of mitigation which is usually the first step before they try to foreclose. Di Tech sends you information of who your account representative is with an extension number but when you call there is no option to enter an extension. In order to reach someone you have to set on hold and then they usually ca n't help you and you get sent somewhere else to hold for another hour or more. They have no customer service

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
I have received multiple items that are damaged or missing parts/pieces from Kohl 's Department Store. I have sent the damaged items back over and over ; each time they continuously charge my card, add interest, and never refund me the full value of the items. After this last order I contacted the manufacturers directly about the multiple damaged items ; the items are being damaged by the delivery vendor of Kohl 's. Kohl 's is supposed to file a claim with the shipping vendor and receive the value of the items from their shipping vendor whom is destroying the merchandise. Kohl 's refuses to remove the charges from my credit card and obtain the merchandise value from their shipping vendor. Kohl 's has stated they expect me to ship the items back again and again and again, continue to recharge my card over and over, wait several weeks for a refund, and then they will dispute the broken items with the shipping vendor ; as per the manufacturers and Ohio law this is incorrect. Kohl 's needs to remove the items from my credit card account and pursue their vendor for the costs. Also, there are several returned items which Kohl 's has not taken off my charge account and several items which they charged me for then refunded me less than what I had paid for the items. I have contacted Kohl 's probably 19 times including speaking with and emailing : XXXX XXXX XXXX Executive Correspondence Advisor, Office of the President Kohl 's Department Stores XXXX XXXX refuses to credit my account which is fraudulent. Kohl 's customer service representatives have stated on multiple occasions on a recorded line that there is not one single person employed by Kohl 's that is able to make outbound phone calls so I find it strange that the Corporate Office has contacted me. Now, XXXX from Kohl 's is refusing to return my phone calls or email and will not remove all of the charges from my Kohl 's charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I banked a check for {$1100.00} through mobile phone deposit. 
The transaction did go through. 

My check was then stolen in an incident where a women took my wallet while at a cafe. Unfortunately my check was still in the wallet. She scribbled out my name and wrote her own, took it to XXXX and managed to cash it even though it was clearly scribbled out and visibly fraud. 

I reported this immediately to my bak ( Chase Bank ) and filed a claim. XXXX could not accept my claim so then my place of employment who issued me the check went to the bank and filed XXXX claims all of which were dismissed. 
There is hard evidence that I was wronged and money was stolen from me and the bank are dismissing my claim as they think they will be unable to have the money returned by XXXX though none of this is my fault and the banks allowed this transaction to go through.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-12
Company: On-Site Manager, Inc.
State: CA
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 Site Manager / XXXX XXXX XXXX put in a hard inquiry on my credit report without authorization on XX/XX/2018. These guys were my apartment provider FOUR YEARS AGO. I never made any request for any additional work, they simply re-ran my credit for no reason, resulting in my score being less than what it should be when I am trying to buy a new car and refinance my mortgage. I have disputed this with XXXX, but they came back saying On Site Manager / XXXX stood behind their inquiry and refused to remove it. I am requesting the CFPB to come in and find out why they are running my credit with no authorization for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries below are not mines and were deleted last year. They have been posted after being disputed and removed. 

XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX EQUIFAX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX  Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX FINAN Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX   XXXX  Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Personal Loans Cos. 
( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXXAuto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX   XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX The account below was deleted and was reposted after disputing. 

XXXX XXXX XXXX Reported : XX/XX/XXXX {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America on XX/XX/14 answered my complaint and I want to make a petition and denounce the bank of america since my fraud was for XXXX $ and they only gave me a credit for XXXX $ claiming they are out of time, which is something messy lince the cfpb gives them 60 days for a final answer and they have made a bad decision messy and premeditated alevosia, since they only recognized me few transactions of low amounts ignoring the higher transactions so as not to recover my stolen money and the CFPB does not fine and this is a crime for consumers, request the attention of cfpb with this bank that is doing us harm to the Americans by not respecting the American standards I demand that the total lost and stolen from my account of these unauthorized payments be recovered and that this bank authorized by not blocking my card for the unusual use registered I ask the cfpb to help me in this claim and make a complaint to this bank for its irresponsibility when wanting to forward my claim to XXXX since the fraud transactions of these unauthorized payments were in this way and that XXXX reimburses me the total missing in this way the bank of america being the issuing bank of the card involved in this claim has the obligation to respond to any fraud with this card since they are the ones that take control of our money and the payments with our cards being the payments authorized by the holder for an amount of XXXX $ subtracted amount without my authorization of these unauthorized payments in my account XXXX, claim numberXXXX  Bank of America

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 2022-08-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I filed for XXXX XXXXXXXX in XXXX and completed the process in XX/XX/XXXX. The Trustee closed the case and it is reported in XXXX XXXX as a closed account. It could not be reported as discharge because of a prior XXXX XXXX discharge which is correctly reported on my report. 

I have tried to contact the credit bureaus more than four times because they are reporting the case as DISMISSEd and not CLOSED. I have provided a copy of the Court 's filing which indicate the case is CLOSED along with a copy of the XXXX XXXX report also showing it CLOSED Each time Experian, XXXX, and XXXX have stood firm not changing the status. 

According to the bankruptcy rules, it states : Since bankruptcy reform in XXXX, someone who files a XXXX XXXX right after their XXXX XXXX doesnt get a discharge in the XXXX XXXX case. 

After speaking with the XXXX 's office, they confirmed the above and reaffirmed that the case was NOT DISMISSED, but CLOSED and they do not understand why it is being reported as DISMISSED. 

Furthermore, A dismissal is usually a loss. It means the bankruptcy case was closed before a discharge was entered. THIS IS NOT THE CASE. 

All payments were made over the 60-month process, the Trustee accounting was finalized and the case closed - again, because of the XXXX XXXX discharge another one could not be entered because it was within the 4 years of filing the XXXX XXXX. 

I would like the credit bureaus to correct their recording which if it remains dismissed if there are other creditors I may once again fall into harassment from them trying to collect a debt that has been taken care of under the Bankruptcy law.

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 2022-03-03
Company: P&B Capital Group, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification that a new collection was placed on my report by a credit monitoring app I use. I was never notified of this account, I do not know what this account is, and there is no information on the credit report of how to get ahold of this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied ( through a state program with the Department of Economic Opportunity ( DEO ) - " HAF '' Homeowner Assistance Fund ) for mortgage payment assistance in the amount of {$1200.00} and was approved on XX/XX/2022. I was approved for the payment assistance to pay my mortgage payments for 18 months ( see attachment ) starting XX/XX/2022. I had called the HAF department 3 times prior to XX/XX/2022 to ensure that the payment was sent to my mortgage company. 

On XX/XX/2022, I was informed by a member of management with the HAF department that in fact they mailed the check in the amount of {$1200.00} to my loan servicer with a check number of XXXX had cleared on XX/XX/2022. After multiple calls to my mortgage company, they do not have confirmation of the check received from Department of Economic Opportunity ( DEO ) and OR the " HAF '' Homeowner Assistance Fund. 

There is there is only 2 business days left in this month before I am formally late and before this goes into another month of misapplied or no payments being confirmed by my mortgage company. ( Included XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX - ( XXXX ) XXXX - See attached mortgage statement reflecting loan servicer and no history of documenting the XX/XX/2022 mortgage payment from the HAF department ).

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 2022-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
on XXXX and XXXX there were multiple fradulant transfers of monies between my Bank OF AMERICA accounts checking, savings, XXXX and XXXX account. I did not authorize, I was unaware of, did not approve. Was not notified by BOA highly unusual transactions & withdrawls on my accounts. 

1. I attempted to make my monthly social security withdrawl but could not withdraw money from ATM 2. I went home and recvd a telephone call from BOA credit card fraud services. The BOA employee said fruad had been attempted on my accounts. To unlock my BOA accounts he needed to verify MY account information with BOA to re -issue a new card, and unblock my account. The employee sent back text messages x 2 to verify my identity. 
3. same day I went back to my BOA branch to get funds. I told employee about the telephone call. He informed me BOA never called me or sent a BOA email with a BOA log. I then learned it was fruad scam, identity theft. 
4. During of XXXX & XX/XX/2022 I made many phone calls to BOA fruad scams divisions. regarding the Identity theft Most of my accounts were recovered resolved. 
5. Iam disputing the remaining {$7.00}, XXXX XXXX transaction as fraud scam Identity theft transaction. XX/XX/2022 I faxed BOA this statement, fingerprint, police report. Ive offered to take a lie detector test, veryfing I never received {$7500.00} from XXXX and did not approve usage of my XXXX card. I dont know any individual involved with these thefts frauds from my accounts. 
6. my customary XXXX XXXX is under XXXX 7. Ive been a BOA customer for XXXX yrs never advance large ammounts of cash from XXXX. or any other credit cards. 
8. in addition because {$7500.00} Visa is unresolved disputed, BOA should not be adding addtional monthly fianace chages on this disputed ammount of {$7500.00} Visa please tell me how to proceed in my dispute appeal with BOA XXXX 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 monetary relief
Consumer complaint received 2022-08-26
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act Credit Acceptance Corp., has violated my rights. 


15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any reason.

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