BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: SANTANDER HOLDINGS USA, INC.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
To whom it may concern, I have sent XXXX XXXX XXXX by certified XXXX on XX/XX/2022 requesting validation of account by law proof of said account that I owe XXXX or had any legal obligation to pay them. 

It's now been over 30 days the required time limits for this account and I have not been provided with any proof by this company on paper bearing my signature that I legally owe them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-26
Company: CITIBANK, N.A.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX called my ex husband and revealed that she was trying to reach me about a debt collection. I believe this practice is illegal. My private financial information should not be disclosed to others. especially my ex husband. He is the reason I am in debt. I have been in protracted legal battle over a financial settlement, and he is a lawyer. He has used the system to drag this out and forced me in debt in an effort to make me accept a bad settlement. You have not helped by disclosing this to him. Companies should not call other people in an effort to collect debt. By telling him who she worked for she was telling him I am in collections for debt. This type of tactics should be stopped! 
Sincerely, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: OK
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 has violated my rights 15 U.S.C 1681section 602 A states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 it also says a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ACCOUNTS LISTED ARE FRAUDULENT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  XXXX. On XXXX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the 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 2016-11-12
Company: SCOTTRADE BANK
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
This is in response to a previous complaint. Scottrade Bank has refused to credit my account for the $ XXXX+ in transactions from XXXX. They said there is an account with them using my email address. Well, I contacted them as well and what they did n't tell me is that the account is closed and there 's no way to access/withdraw the cash. XXXX is supposedly a binary options broker. You can deposit money with them using a debit card. The $ XXXX+ in transactions are actually deposits. So what 's happened is, XXXX has taken over {$6000.00} of my money and run off with it. They stole it! It 's a scam! Like I 've said in my previous complaint, they are an illegal company that is illegally targeting U.S. citizens. If you do n't issue a chargeback for these transactions, you 're just helping these crooks rip off American citizens!

Company response to consumer: Closed
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this CFPB complaint to you today to inform the Credit reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent accounts and information from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed XXXX {$2000.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-16
Company: Empowerment Ventures, LLC
State: MO
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX XXXX there was a system upgrade and since that day, my funds have been depleted. There are multiple items that have been debited from my account numerous times after calling the merchant and getting the authorization codes I was told they could only release ONE. When I checked my account this morning, my money was once again GONE! 

There is also a dispute that I filed on XXXX XXXX for {$62.00} that has not been resolved. Customer service is HORRIBLE and I am MORE than fed up!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-23
Company: GENERAL BUSINESS RECOVERIES, INC.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I received XXXX notice saying a medical bill that I thought was sent to me in error was being sent to a collection company by the name of XXXX. Since then I set up a payment plan through my bank for monthly payments of {$50.00} ( total bill amount was approx. {$560.00} ) which began in XXXX of 2016. After XXXX rude and accusatory phone calls with the assigned rep ( XXXX ) I faxed over proof that I have been sending monthly payments totaling {$250.00}. After a conversation today via phone communication XXXX told me that she would n't let me make monthly payments unless SHE was the XXXX debiting my account number rather than me sending the payment via my XXXX Online Bill Pay. I explained that I did not feel comfortable with them having my personal account information nor did I intend to pay a processing charge. I was then informed that then they just would n't take monthly payments and that if I wanted to make a payment I should " just save up my money and call in the payment in full ''. I then asked for that to me sent to me in writing so that I could keep that for my records. I was then transferred to XXXX 's supervisor, XXXX who then became verbally combative. She said that it was up to her if they accepted payments and that she did n't need to give anything to me in writing. I feel like this is in violation of my rights as a consumer to be given a clear and legible document explaining the companies rules regarding payments. 

I am in no ways disputing the charge and have been doing everything in my power to pay the debt that I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2014 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Last XXXX2020 I've sent documentation for those unknown and inaccurate accounts I found on my credit report. It's been 60 days now but there's no response yet. I'm a victim of XXXX  Data Breach. I demand to immediately DELETE those accounts or I will file a litigation for causing me so much stress.

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 2022-03-24
Company: BARCLAYS BANK DELAWARE
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: Card was charged for something you did not purchase with the card

Complaint:
Charges from XXXX and XXXX  And XXXX along with associating cash advance fees were charged to my card without my knowledge totaling around {$9000.00}. Barclays was notified of these charges and started a dispute investigation only to recently reapply {$7000.00} back to my account. No message or letter or any further communication from Barclays.

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 2022-03-24
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2022, I initiated a wire transfer with Marcus by Goldman Sachs to close on the purchase of my new home. I was told that since I initiated the transfer before XXXX XXXX ET ( it was scheduled at XXXX XXXX ET ) that it would transact on the same business day. 

I called Marcus at XXXX XXXX ET to see why the wire had not gone through and they told me it was in review and that it would go through before close of business. 

At XXXX XXXX ET I called back to check and they told me that while they do sometimes wire transfer funds to third parties, that exception would not be granted to me. They told me that the best they could do was send the money to my personal external account and since it was after XXXX XXXX  ET, I wouldnt receive the funds until the next day. 

At this point Id already missed closing on my home purchase, so initiated the wire transfer to my personal account and waited until the next business day to check if the funds had transferred. 

They hadnt. 

As of now, the funds are still not in my account and I still have not closed on my home purchase. I deposited a very large sum of money in my Marcus account and it appears that I cant take it out. Im concerned and frustrated by their incompetence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-15
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I Have A XXXX Dollar check and my Bank Will Not let me cash it reasonably Executive Member even stated he would not Cash the check by mail Either and Would not allow me to cash my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I reviewed my Equifax Credit Report and viewed that they keep reflecting a XXXX that is more than 7 years old. The loan is from XXXX XXXX, 2008. Furthermore, it is reflecting late payments that when I contacted XXXX XXXX XXXX XXXX they confirmed I had no missed payment 's and that my account was always in good standing prior to the loan being paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am working with Lakeview loan care servicing on what I have been lead to believe are escrow funds that they owe me in the amount of {$2900.00}. I have complied with all of their requests and they continue to delay the disbursement of funds that I am rightfully owed. According to their records a check was sent in XXXX that was never deposited. I did not receive this check and was not alerted it had been sent until I received a letter ( attached ) from them in XXXX of XXXX informing me that the check had never been deposited. The letter informed me that if I requested the funds be resent by XX/XX/XXXX I would receive payment no later than XX/XX/XXXX ( 8 weeks ). After the XXXX passed I called again on the XXXX to ask what had happened and their representative informed me that nothing had been done on their end and that she had put in a request for the funds to be cut and mailed no later then the XXXX of XX/XX/XXXX. I called on the XXXX of XX/XX/XXXX to confirm that this had happened and was informed by another representative that this also had not happened. If I had owed them this money to them for XXXX+ years I would undoubtedly be in collections at this point.

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 2022-08-17
Company: Experian Information Solutions Inc.
State: PA
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$990.00}

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 2021-05-18
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I realized this debt on my credit report. I am not liable for this debt, I never had a account with XXXX, nor do I have a contract with I.C. System. This company has not provided me a signed copy of the application as I requested to validate the account. This account is a result of identity theft and reported to FTC. It is a violation of FCRA to report inaccurate and unverifiable information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: Empowerment Ventures, LLC
State: OH
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Unauthorized transactions/trans. issues

Complaint:
Our Rush card had XXXX side funds put aside XXXX emergency funds and on XXXX money for the kids. Just now got the emergency funds but they cleaned out the XXXX money. What the heck. Are we gon na get that back?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit report is showing in error that the XXXX Credit Card payment was 30 days late and is past due {$150.00}. This is not true. It states a payment was made XX/XX/XXXX. This is not the correct date. Also, the account is not past due. There is also an incorrect balance being reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: NRA Group, LLC
State: CT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Disputed a collection account on my XXXX credit report i XX/XX/XXXX. The account was deleted. While checking my credit reports in XX/XX/XXXX, the account was back on my credit report. I was not notified that it would be re-inserted. Disputed the account again in XX/XX/XXXX, and the dispute results came back as verified.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just recently started monitoring my credit when I noticed that  Portfolio Recovery is   on my report several times. I had no knowledge of any of these debts, nor did I receive anything from them in writing until after I disputed with the credit bureaus and asked them to send me the documentation that validates this debt. Neither the bureaus or the collection agency have validated these amounts ; however, they refused to remove them. They have  XXXX  different accounts on my report that they have failed to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: Experian Information Solutions 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
Experian.com did not properly inform me that I was subscribing to their {$21.00} monthly membership. I checked my credit report for {$1.00}, as advertised, and before I knew it, I had been signed up to this service without my consent. I knew because my bank account had been charged. I was charged on  XXXX   XXXX   2017 . I tried getting a refund as soon as I realized I was charged but I was told it was impossible because I apparently had agreed to this charge.

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 2017-03-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
On XX/XX/2017 I received a letter from equifax stating that an initial fraud alert was placed on my report per my request. I have never contacted equifax and requested a fraud alert put on my account. They also said that they are forwarding my fraud request over to XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The loan modification process took entirely too long. The process should have been resolved after 3-4 months upon completion of " trial payments ''. In fact, through no fault of mine, the process took 8 months, from XX/XX/XXXX through XX/XX/XXXX. During this time, late charges continued to accrue and late payments continued to be reported to the credit agencies. The extended length of time caused further debt and a reduction in my credit score. At no time did I request for the process to be stopped, which is what happened half way through the processing of the modification at the discretion of the mortgage servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Experian Information Solutions Inc.
State: AL
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 bankruptcy in XX/XX/XXXX, and XXXX XXXX was included in that debt. The bankruptcy has currently been XXXX, but XXXX XXXX report to my credit in XX/XX/XXXX of the account being late. That is not correct information because I had filed bankruptcy and been released and have no other credit card accounts with them.

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