BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
In XXXX 2015 my wife and I requested our free credit reports from XXXX and in XXXX 2015 we requested them from Equifax , all XXXX online. Despite previously having gotten these reports online for several years with no problem and with no documentation required, we were both suddenly denied this by both companies and told we had to apply by regular mail, and to include numerous personal identification and financial documents. This is a nuisance and we inquired why, both in writing and by telephone, but were stonewalled and given no information. We were told simply that this is the procedure and no further information is available. The inconvenience is in having to assemble and mail these documents, wait several weeks for the reports to be sent, then having to scan them into the computer so as not to keep large amounts of paper reports on hand for years. Again, no explanation was given why we were denied, despite repeated requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-29
Company: LDF Holdings, LLC
State: MN
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I received a credit to my bank account for {$350.00} for an on-loan for which I DID NOT apply from Lendgreen. Then there was a debit made to my account for payment in the amount of XXXX against this. I contacted my bank who instructed me to contact Lendgreen. I did this and was told by them that I did not have an account with them. ( that is why I called them ) They then told me that they could not or would not reverse these entries until I filed a fraud report with my local police. I have done so and am awaiting a copy of the report from the Sheriffs Dept.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Credit file XXXX is under security freeze due to ID theft. Equifax released my credit information illegally to XXXX on XXXX/XXXX/2014 while the security freeze was in place ( see attached screen shot of my credit file inquiry section ) This is a violation of FCRA. I did not authorize this release of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This is an additional, and new complaint regarding Equifax 's records being incomplete, and then inaccurate tradeline. 

I attest that I am XXXX XXXX, and the owner of this account, and all verbiage communicated through this portal. 

The XXXX tradeline is incomplete, and innacurate. 

The following is true -1XXXX The Last Paid date is not XXXX. The Balance is not accurate5. Because this account, installment account, has not been updated in almost a year, it impacts my score negatively and in such a way that looks as if the balance is and has NOT decreased4. The Terms, Frequency and dates ( last updated by ) are all inaccurate5. Please validate this account, and as a result of EQ 's validation efforts please share you method used, along with all contact details for this XXXX XXXX XXXX at XXXX is my contact name - and number ) 6. Delete the account, if it can not be made whole and accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
My XXXX XXXX was repossessed XXXX XXXX, XXXX. Upon attempting to recover my car from Santander Consumer Financial, I was given no direct answer or explanation except that storage fees, repair costs, and a deductible totaling {$2300.00} had been paid to XXXX. My car was auctioned off XXXX XXXX, XXXX and the balance has been sent to collections. In a great effort to recover my car, I provided Santander with many documents to reverse the repossession. In XXXX, I was told through Santander Collections my car was impounded from XXXX XXXX XXXX because XXXX XXXX alleged that XXXX denied my claim for repair costs. Neither organization followed protocol and my Consumer rights have been denied resulting in surmounted life issues. My credit has been affected and my personal life has faced serious problems without having transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX XXXX XXXX TransUnion has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX  XXXX. I believe it was reported in error. 
XXXX XXXX  XXXX Balanced Owed : {$0.00}

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 2016-04-14
Company: U.S. BANCORP
State: IN
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
U.S. BANK RECOVERY IS IN VIOLATION OF FCRA, FDCPA AND TCPA! ALSO, COLLECTING ON FRAUDULENT ACCOUNT ACTIVITIES AND SEVERAL FCBA ISSUES.

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 2017-04-01
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
On XX/XX/XXXX an electronic payment from my bank was submitted to Navient in the amount of {$450.00}. The account was initially XXXX but was changed to Navient. I initiated payments through my bank because of problems in the past when I used their web based payment, with similar issues-NO Payments received. Navient claims they never received the XX/XX/XXXX payment and suggested I contact my bank to see who the payment went to. I contacted XXXX and they confirmed that the electronic payment was made to Navient. I provided Navient a bank copy of the electronic transaction provided below by fax on XX/XX/XXXX, in addition to previous electronic transactions through XX/XX/XXXX. Navient still continues to state that they have not received the payment. See Transaction Below : Payee : Navient, XXXX, Amount : XXXX Payment type : Electronic, FREE_CHECKING, **** Deliver by:XX/XX/XXXX ; Confirmation : XXXX ; Status : Completed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: CA
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$48000.00} ; XXXX  XXXX Balance : {$360.00} ; XXXX  XXXX XXXX Balance : {$340.00}

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 2016-06-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I understand by law I am allowed to get my free annual credit report from all three agencies, when I printed out the report they indicated that they would require payment of {$7.00} to give me access : " Did you know that your credit report does not include your credit score? '' What is the point of getting a report without the number? 

Please have them make them give you a score WITH the report. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I understand that the credit bureaus are reporting that a federal tax lien is being reported. This lien should never have been filed in the first place. As you can see the lien was filed and that taxes were paid on exactly the same date date of XXXX/XXXX/2010. This item should be removed. The IRS has indicated that the lien has been paid and released. In the interest of all parties this should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
wrote check to XXXX XXXX XXXX XXXX dated XXXX XXXX, check was cashed on the XXXX from my account at Bank of America, my payroll was deposited on the XXXX. I was charged a overdraft fee of {$35.00}, even though I do not have overdraft protection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have never been In Kansas, Oklahoma ; I was born in XX/XX/XXXX, not XX/XX/XXXX, I have never had any business name " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a XXXX credit card ( home improvement store ). I pay regularly each month. Currently, they ask for a minimum {$25.00} payment due on the XXXX of each month. I made a {$30.00} payment on the XXXX of the month but they are not counting it as a payment for this month as toward the minimum, instead demanding that I make a payment on or before the XXXX. I feel that I have satisfied the requirement for this month and their doing this is a deceptive business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: Paypal Holdings, Inc
State: WV
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I paid XXXX XXXX $ 30USD for computer/Internet related services. He was to log into my game account and tweak my " game '' to give me better options and play. He took the money but never delivered the services. The payment was made with my XXXX XXXX card via PayPal. I attempted to dispute the charge with both PayPal and XXXX XXXX but neither would help because they do not recognize the transaction as being for " goods and services '' XXXX XXXX is a freelance gamer who accepts payment via PayPal. 

Sent to : XXXX XXXX ( The recipient of this payment is Non-U.S. - Verified ) Email : XXXXXXXXPayment amount : ( in currency funded ) - {$30.00} USDYour fees : - {$0.00} USDYour total charge : - {$30.00} USDPayment amount : - {$30.00} USDXXXX XXXX fees : {$0.00} USDXXXX XXXX receives : {$30.00} USDDate : XXXX, 2015Time:12:48:38 PDTStatus : CompletedFunds will be available to your recipient on or before : XXXX, 2015Note : The recipient can send or spend the full amount on this date. If the recipient wishes to withdraw money, limits may apply. 

Subject : You have sent {$30.00} USD to XXXX XXXX with PayPalFunding Type : Instant TransferFunding Source : {$30.00} USD - XXXX XXXX XXXX Checking ( Confirmed ) XXXXBack Up Funding Source : MasterCard Debit Card XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
on XXXX XXXX, I called the pay by phone line for my Bank of America AAA credit card to make a payment. I made a payment of the last statement balance of XXXX. 

this amount was debited from my checking account twice, on the same day, Monday XXXX XXXX, XXXX when XXXX XXXX notified me on XXXX XXXX, I called Bank of America and requested a refund. I was told it would take XXXX five business days. 

on XXXX XXXX, the money was still not in, so I took a loan to cover my mortgage and stop the {$35.00} fees charged daily. of course I followed up with a call to bank of America. 

I called again to bank of America on XXXX XXXX and XXXX. I called again on the XXXX, and they said it would take seven days, but should be in by the XXXX. 

I called on the XXXX, and they said it had just been approved, because someone from Bank Of America has submitted for a refund twice. because they made a mistake, it would take another 7 business days before I could get a refund. 

has anyone ever taken money out of your account? should n't they have returned it sooner? I ca n't pay bills, gas, food, until I get my {$2000.00} back!!!!! 
can someone please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I took out a Home Equity Line of Credit with HSBC in the amount of {$33000.00} on XXXX/XXXX/XXXX. I made payments as agreed and in about XXXX began making extra principal payments monthly. The loan was paid off XXXX/XXXX/XXXX. Over 11 years, the principal was only reduced by {$7300.00} despite the fixed interest rate of 8.55 %. In many months where extra monies were sent, that was the only amount deducted from the principal -- the rest was applied to interest. Many errors were made in charging fees not applicable to my loan ( Line Maintenance Fees ) ; in XXXX XXXX, the balance owing was raised by {$740.00} after a payment was made ; payment amounts were n't always applied correctly ; late fees were sometimes charged even though most payments were made early. Calls and/ or letters were n't responded to properly and supervisors would n't return calls. 
From what I can determine from the last 4 years of statements that I have, a minimum of {$1700.00} was charged to me in error. Additionally, the final payoff figure showed I was charged {$870.00} in interest and I 'm not sure why that would happen. I paid the amount they said I owed just to be able to get rid of the loan since it was apparent it was never going to be paid off no matter how much I sent in extra payments, nor was anyone at HSBC going to address my complaints or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I began receiving calls and letters from Midland Credit Management concerning a debt from XXXX, approximately 3 years ago. I have never opened a XXXX account and have never associated with XXXX in any manner. I have had a XXXX cell phone, with the same number, since I was XXXX XXXX XXXX. I contacted XXXX and they said they can not do anything as the debt has been sold. I contacted the Police and they said to get the information from XXXX. I am stuck in the process of clearing this debt that is not mine. I am not sure how this account got attributed to me, but would like this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card
Issue: Other

Complaint:
I believe that American Express is conducting a form of wire fraud. I have an American Express credit card. I used this card to purchase a XXXX. At my home number, I received a message on my home answering machine from the AmEx Fraud Prevention department saying that I had to call the XXXX number on the back of the card and report that I had received the devices and was satisfied, before AmEx would pay the merchant. I made that call on XXXX XXXX. The merchant reported no payment. I called AmEx again, and we reassured " that your account was charged on XXXX XXXX. '' Merchant was still not paid. I called AmEx yet again ( this time to a number that the merchant told me that they had been told by AmEx that I had to call ... a different number than the one originally left on my home message machine. I called that number and was again told that my card was charged on XXXX XXXX. As of today, the merchant reports that they have still not been paid. 

In other words, AmEx is apparently debiting my account for the full amount of the charge ( and will be expecting me to pay them as soon as my bill arrives ) but AmEx is NOT paying the merchant ... living off the float. And the message they left on my home message machine told me that I had to call the phone number on the back of my credit card in order to have the payment released. They told the merchant that I had to call a different number. This " looks like '' to my eye, a prearranged scheme that causes delay and makes it virtually impossible to get the payment released to the merchant. If they are doing this to just a few XXXX of their customers, they must be effectively " borrowing '' many XXXX dollars from their customers and not fulfilling their customer or their merchant agreements. In my opinion, inasmuch as AmEx is using interstate wire services to accomplish this, this appears to me to be federal wire fraud. I 'd like this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is being sold by Mortgage Service Center of HSBC to XXXX of XXXX. I looked for info about XXXX on the internet and found many complaints and negative articles including actions by the State of XXXX. I do not want to do business with this company ; however, my mortgage is at a good rate and I do not wish to refinance. What action can I take

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a checking account with Chase. I had had a bunch of unauthorized transactions against my checking account resulting in Chase charging me over {$200.00} in overdraft fees. I have part of my paycheck direct deposited in my account but when I went to check my account Thursday XX/XX/XXXX my checking account was not listed online. Tonight I called Chase and was informed that they closed my checking account and that the only way to get my money was to go to a branch and apply for a new checking account. Otherwise I would have to wait 2 weeks for them to send me a check in the mail. I never asked them to close my account they just closed it on me. No notification was ever sent to me that they were closing my account as if I had known this I would have changed my direct deposit. They charged me over {$200.00} dollars for overdraft protection. So now here I am stuck without my money while Chase holds my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I tried to close my checking acct with Santander in XXXX 2015. Unfortunately there was an ACH transaction that went thru a few weeks later from an acct I did n't realize was still active. Santander paid the request & charged a {$35.00} fee. I called the main XXXX # & was told that there was nothing they could do about the fact that even though the acct was " closed '' an item was presented so the fee was valid. I deposited the money for the transaction into that acct & spoke with the bank mgr about the fee which she agreed to waive. I asked why they could n't just fully close the acct & make sure no payments are made against it & was told, " that was not possible '' but to " watch '' the acct & usually after a few months of no activity the acct will " convert '' to a closed acct. Well it 's now 10 months later & unfortunately XXXX checks inadvertently written from an old checkbook that had those accounts checks still in it were presented for payment, Santander paid them & charged {$70.00} in fees. I deposited money to cover the checks & asked the manager to waive the fee. She said " they did n't do anything wrong & the fee is valid ''. While I realize the checks were written & presented I ca n't fathom why after all this time & a request to close the acct they are still paying items presented to them & thereby able to charge me a fee. If the acct had been closed as I requested multiple times & then Santander denied payment, especially after 10 months, I would understand. I would be responsible to the parties to make good on the checks & any returned check fee they were charged. That makes sense. But instead they wo n't close the acct & will continue to pay items presented. I have no way of knowing if this acct will actually ever be closed. It is 2015, I do n't understand why they can not put a check flag in some data field & close this acct. I resent having to pay them a fee because they ca n't make this simple thing happen. Do I have any recourse or am I resigned to paying the fees forever?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed