BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: FL
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've submitted multiple certified letters to Equifax, I was told that they did not receive the letter countless of times when I have time stamps showing it was received I was told by an agent at Equifax that they do not investigate any disputes their is Hard inquiries on my report that I did not authorize and every time i send Equifax a letter they claim they never received it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Experian Information Solutions Inc.
State: AR
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 bank called me to inform me that there was an unknown charge on my account. They wanted to verify it it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report.

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 2017-03-27
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Called and spoke to XXXX and was told my fee could not be waived to make an additional payment to my esscrow account. I got an escrow shortage after I made my XXXX payment and I do not understand how a company can not void an {$11.00} fee as a courtesy for a faithful customer. I am not trying to make an {$800.00} payment I am only trying to make the {$280.00} for my escrow shortage. I do not have a USBank near me and I do not feel mailing in my payment is secure. I do not like seeing any type of shortages on my accounts which is why I was tryng to clear it out early so next month i can pay the {$790.00} its supposed to drop to. Do I really have to wait till I make my next mortgage payment to the escrow shortage or can I make it online now? It 's pretty sad, I have been waiting to refinance my mortgage to because I am waiting for a good offer to come in from USBank. But If they ca n't do a simple request like this, which I do not do because I prefer online banking what am I holding for? I also was told I do not qualify to have my MIP removed because if the type of mortage I have, is that correct? Is my only way to remove it is by refinancing o a different kind of loan?

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 2020-03-30
Company: NAVY FEDERAL CREDIT UNION
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:
I am not familiar with these items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and are not my accounts. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Sunbit, Inc.
State: WA
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:
On Sunday XXXX XXXX, 2022 My credit card was stolen from my mailbox and activated without my consent. Neither myself or anyone in my immediate party activated nor used this card. I opened the account to have a safety net for my vacation. Unfortunately this card did not show up before I left. The transactions started around XXXX Sunday morning. whoever took and activated it went on a shopping spree and tried to get what they could as quickly as possible. All of the transactions took place in XXXX Washington. This would have been impossible for me to perform due to the fact that I was on a plane from XXXX XXXX  returning to XXXX. The first transaction took place at XXXX on XXXX XXXX XXXX XXXX XXXX, WA XXXX at XXXX am Sunday XXXX XXXX, 2022 in the amount of {$370.00}. The second transaction took place at XXXX on XXXX XXXX XXXX XXXX, XXXX, WA XXXX at XXXX Sunday XXXX, XXXX, 2022 in the amount of {$69.00}. The third location was smoke city for less on XXXX XXXX XXXX XXXX, XXXX, WA XXXX at XXXX on Sunday XXXX, XXXX 2022 in the amount of {$96.00}. The fourth location was at XXXX  on XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX at XXXX in the amount of {$88.00} on Sunday XXXX, XXXX, 2022. When I landed in XXXX XXXX XXXX I received notification of fraudulent activity, which I immediately responded to. I shut off the physical card and alerted my company that the activity was indeed fraudulent. They have opened an investigation. Terminated my pervious card and have sent a new one. This will be the next step to make sure my identity wasn't stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I noticed on my credit report that it shows I have applied for credit accounts and cards. I have not applied for any credit in more than ten years. I have not authorized anyone to view my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-03
Company: Associated Credit Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
on XXXX/XXXX/2015. XXXX was sent to delete collection. XXXX # XXXX. Collection was deleted as instructed but has reappered on my credit file today.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2015 I went to the ATM machine to withdraw {$500.00} and the machine never dispensed the money but after checking my balance it showed it has been taking out. I called the bank and they said that give it one day and my account will adjust it self but that never happened so I called them and was advised I needed to file a ATM dispute and it can take up to 10 days for them to investigate it and after 2 business days I called to follow up and was told my claim was denied. I told them that nothing came out and it ca n't be denied and the rep asked if I wanted to resubmit my claim, I told her yes I do. After 10 days they told me the claim was again denied and the ATM balanced. Iam not out of {$500.00} due to there ATM machine malfunction. I need help please.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone accessed my account and withdrew XXXX from my chime account on XX/XX/2022 and also they told be I needed to send pictures of things to verify who I was and I dont know how but this person on XXXX has my information that I sent chime I am also sending this information to. The person that had my information and a lot of other people information is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The problem is that we payed your taxes and Vanderbilt Mortgage claimed that they payed and are trying to get money back from us that we don't owe them.

We have proof that we payed and sent them copies of the proof and they still are trying to get money from us by increasing my monthly payment to them.They have increased my payment from {$570.00} to {$640.00} per month. And you know what they haven't showed me any proof that they have even paid anything as we have by giving them statements from County and City offices that affirm our compliance of our payments and have stated that they haven't received any other parties sending any money on our behalf. Plus the land is not in the contract /purchase agreement the we have. The land is mine bought and paid for by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
FRCA Violation credit card XXXX XXXX XXXX FRCA Violation collections XXXX XXXX  XXXX  FRCA Violation inquiries XXXX XXXX XXXX XXXX XXXX XXXX  FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-02
Company: U.S. BANCORP
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage XXXX US Bank ORIGINAL mortgage taken out by XXXX XXXX XXXX and XXXX XXXX XXXX In XXXX of 2015 I filed a insurance claim against my insurance company XXXX XXXX XXXX company Insurance policy XXXX US Bank ticket XXXX A check was sent made out to myself, XXXX XXXX XXXX ( 2nd mortgage holder ) and US Bank. I signed it, XXXX XXXX XXXX signed off on it and it was sent to US Bank who cashed and still has the money. The check was for {$24000.00} The asked for the check, the insurance adjuster 's worksheet, a signed contract and a contractor waiver of lien. I sent all of that. Then they wanted a XXXX filled out. I sent that. 

Then they said they had no paperwork so I sent it again. Everything goes into the general pool of file loss representatives and no one will take responsibility. 

I finally did get a check for {$20000.00} on XXXX XXXX but it was made out to me and my deceased husband. They have an original of the death certificate and he is not on the insurance, only I am. So I had to return the check and then once again they claimed there was no paperwork. They will not transfer me to a manager, even a voicemail, and no manager has EVER called me. 

All the work has been done by my contractor and I really would like to be reimbursed for all of it. 

At this point I do not know what else to do short of hiring an attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-01
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
This is a former sovereign bank home equity loan now with Santander Bank. I acquired this HE Loan in XX/XX/XXXX with an interest rate of 7.49 %. I lost my job in XX/XX/XXXX but have been trying to maintain payments. My balance is presently {$86000.00}, I am delinquent from XXXX XXXX, XXXX. I am now employed but at a lower paying job. I send the bank {$200.00} a week to maintain the payments of {$620.00} a month. I have tried repeatedly to refinance this loan, but the bank will not listen. I do n't want to loose my apartment as I also take care of my ailing father. I have over {$2000.00} in late fees which XXXX will not waive. I have never neglected this loan. I am current in my maintenance fees. XXXX has advised me that I do n't qualify for a HARP loan since this is not a mortgage, but its a home equity and I need to know who can help me with this. I am receiving threatening phone calls telling me to get another loan to pay the arrears, which I ca n't based on my credit rating. I am asking the CFPB to help me work with XXXX to keep my home. I also need them to stop threatening me since I am maiking weekly payments. Also if they can reduce or waive these lat charge. I can be reached at XXXX XXXX XXXX, XXXX, NY or XXXX. Thank You. XXXX XXXX. My account number with XXXX is XXXX # XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
According to the FCRA, this inaccurate and unverified address must be removed asap from my credit report. XXXX XXXX XXXX I do not live at and I don't want my mail going to someone else with all the fraud that is going on right now. 
TransUnion refuse to remove XXXX XXXX a employer I never worked for the other bureaus has

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 2017-02-25
Company: Focus Holding Company
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have contacted this company a total of three times, requesting validation of the alleged debt ; as well as proof that they ( the company ) has the legal authority to collect the alleged debt on behalf of the original creditor. Twice the company sent a billing ledger as validation. A billing ledger does not assign a debt to me. In the two times they have sent that billing ledger they neglected to include proof that they have the legal authority to collect the the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My loan documents clearly state that as the loan was opened with a primary loan there are no annual fees, This is at least the 3rd time now that Santander Bank attempts to charge me a {$50.00} fee which then causes me to have to spend hours explaining to them that my loan should not have a fee.

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 2015-05-03
Company: BBVA FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I recently applied on XXXX/XXXX/2015 for the NBA BBVA Compass Bank XXXX XXXX Card for my love of basketball and received the card 7 business days and a mailing of my credit score and bureau information from XXXX. 3 days later on XXXX/XXXX/2015 when I tried to use it at a grocery store it was denied. I called customer service and they told me it was suspended and no other information was available. I was to wait for a call back on Monday morning XXXX/XXXX/2015. I called on XXXX/XXXX/2015 and had the very same customer service rep who told me he had no information and the account remains suspended an no information. I asked for my issue to be escalated and I received a call back and was told on XXXX/XXXX/2015 ( I saved the voice mail ) they needed to verify my identity and to stop in a branch. There are no branches in NJ. No information was received in the mail or phone call about the suspension - nothing. I called back on XXXX/XXXX/2015 and told them I was visiting family in AZ and they would note the account that I would would go to a BBVA Compass Bank for ID verification. Yesterday on XXXX/XXXX/2015 I spent over XXXX hours in a BBVA branch at XXXX XXXX XXXX XXXX XXXX. AZ with my ID ( Drivers License and Passport ) and I met with the Teller, Personal Banker who tried to resolve this. The staff put me in an office and wait for service on the telephone. As of today - XXXX/XXXX/2015 my problem is not resolved. The Personal Banker XXXX XXXX called me at XXXX on Saturday and said he will continue to work on it Monday morning XXXX/XXXX/2015. He made copies of all my ID information. I met all the criteria, provided the information and NO ONE cares at BBVA Compass Bank to resolve this issue. I have now worked with XXXX different people and no one can seem to resolve this mess. 
My Desired Resolution : I want to have the NBA XXXX XXXX Card that was approved for me. I have NO IDEA why after XXXX DIFFERENT PEOPLE and XXXX hours in a branch that my case can not be resolved. This is by far the WORST customer service and communication I have seen EVER! Please help me. No one should be going through the same problem. I have also filed a complaint with the XXXX. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-11
Company: DISCOVER BANK
State: IL
Product: Credit card
Issue: APR or interest rate

Complaint:
To whom it may concern, I have been charged a late payment APR by Discover for the last few years because of missing one payment XX/XX/XXXX. Based on the Credit Card Act of XX/XX/XXXX, I believe this has been done unfairly and in a manner that is against the law. To my knowledge, I demonstrated six months of consecutive on-time payments, but did not see m y original rate restored. In addition, I 'm not even sure I was the full 60 days late required to even trigger the default rate. 
I have repeatedly contacted Discover about this and they have told me that they will not lower my interexst rate and have been generally unhelpful in addressing my situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-30
Company: CREDIT ACCEPTANCE CORPORATION
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: Account information incorrect

Complaint:
i disputed once with the credit bureaus in which i received a letter saying this debt

was verified. I then reached out to credit acceptance corp a
nd they say it is validated ... .How can this account be verified and validated when there are tons of inaccurate information being reported? I have attached a copy of the contract they sent with the obvious different spelling of the name similar to mine. i have never lived at that address either.

i am attaching a copy of both letters. 

This account is reporting on XXXX and XXXX  ( XXXX  deleted ) with 2 different dates of last activity XX/XX/XXXX and XX/XX/XXXX this account has been reaged. 

And account type reading as an auto loan when in fact it should read credit sale. 

I have attached a copy for your review. these are clear violations and there is no possible way they conducted a proper investigation as required by law. 

i also contacted the credit bureaus pertaining to XXXX XXXX as they are reporting a tradeline tied to this account they also stated that this is verified. i am attaching a copy of the letters sent to them. There are multiple violations and inaccuracies 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 2015-07-15
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Santander bank failed to comply with their funds availability policy ( that the first XXXX $ of ATM deposits will be available on the first day after the day of the deposit. 
This failure caused a " default fee '' to be charged ( by them ) when the XXXX $ was not available the next day. 
On XXXX XXXX, 2015 I made a ( Non-envelope ) ATM XXXX of a {$4000.00} check, and on XXXX XXXX an automatic payment was rejected for insufficient funds because XXXX had decided to hold the funds until XXXX XXXX. 
In the months that followed while trying to resolve this, I have been lied to ( and even threatened ) repeatedly - in person, by phone and by letter. I have never been given any justification for the banks actions except that " they reserve the right to not honor their own policy '' ( a reservation not stated anywhere in their policy ) I am a long time customer in perfect standing ( the account involved is more than 30 years old ) which was well before Santander was allowed to come from XXXX and take over United States banks. 
The are links to the bank 's posted policy and related US bank rules:1-XXXX2-XXXXthe entire Santander account agreement : XXXX

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