BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: GA
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, the following companies and accounts are in direct violation of my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions TXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

XXXX XXXX Credit line secured with account # XXXX opened on XX/XX/XXXX and a balance of {$220.00}. This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1000.00}. The original creditor is XXXX XXXX XXXX  XXXX XXXX This account was charged off and I no longer owe money to the creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$500.00}. The original creditor is XXXX XXXX XXXX  XXXX XXXX. This account was charged off and I no longer owe money to the creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1000.00}. The original creditor is XXXX XXXX XXXX XXXXXXXX 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 2016-01-11
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Funding has XXXX judgements that are liens on my clients ' properties. I have short sale contracts for these properties. I need to clear these liens so I can close. However, Midland said that they can not release the liens because of a pending agreement with the CFPB. They refuse to discuss any type of negotiation regarding these liens. In fact, they refuse to discuss the liens at all because of the CFPB. I need help because I need to get these liens cleared so I can close on these transactions. Time is of the essence because the buyers want to close or they are going to back out of the sales. ( The communication problem is that Midland WILL NOT communicate. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Sometime in the last 2 years, Bank of America converted my checking account from XXXX that is free of charges to XXXX that requires a monthly minimum balance or certain amount of direct deposits each month to avoid a {$12.00} fee. In addition, Bank of America locked my ability to transfer funds into the account sometime in the last year. In XXXX of 2015, my balance failed to meet the minimum requirements and I was charged this {$12.00} fee. I raised the issue with BofA and noted that I could not transfer additional funds into the account and asked for the fee to be refunded. They responded that they would not refund the fee and I promptly transferred my remaining funds from the account and told BofA to close the account. After the transfer, BofA charged me an additional maintenance fee, which then overdrew the account resulting in an overdraft fee of {$35.00}. Now BofA has informed me they will not close my account until I pay them the fees that they have charged me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I CHECKED MY CREDIT REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, 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:
XXXX XXXX XXXX violated my rights on XX/XX/2022. 

The viloated laws were 15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1692c

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
A group of people, a team work have been taking money from my cash app account, they changed my phone number and email and they don't seem to stop. Every time I try to report it they have access to the company to make it seem it was me. Its been different people have taken from me about 2000 I have pictures I took. Please help me resolve this. I beg you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: NC
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 would like for equifax to remove all of my XXXX XXXX XXXX XXXX accounts. the accounts seem to be showing balance increases when they should be showing balance decreases on the credit reports through the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient fails to accept my payments, then charges me interest for the payments. My loan when I ended school in 2015 was at XXXX and now its up close to XXXX, because they 'll accept my payments and then deny them once they hit the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in XXXX XXXX I paid off my truck lean early with Santander. They released the lean and send me my original title to my truck. 6-8 months later I received a letter telling me that I owed them over $ XXXX+. I sent all my documentation of payments, account balance showing {$00.00} balance. I certified this to Santander & to the president of the company. I never heard back from them. Last year somewhere around XXXX XXXX I received another letter from Santander stating I owe them $ XXXX+. I called them and again explained that the lean had been paid off, that I sent certified letters with all documentation to Santander and a copy to the president of Santander. The gentlemen told me I needed to send them over {$2100.00}. I then told the gentlemen that the title was released to me, along with notarized letter saying my debt had been paid. I never heard from them again. Now on the XXXX XXXX XXXX I received another letter from Santander that I need to pay them {$2200.00} by XXXX XXXX XXXX or they will repo my truck. 
My husband is in the XXXX and we went to XXXX, the civilian attorney called Santander. She told them that the lean was released paid in full along with the title and sent to me. My attorney was told that she would have to talk to the legal department because they could not locate my account with Santander. The person for Santander came back on the line and told my attorney that the legal department was not answering the phone and that the legal department would call my attorney back within 24 hours. She asked for the repo to be pushed off until this matter is resolved. The representative told the attorney they will not push off because I am supposedly something like 1,825 day past due on my payment. They changed their story to the attorney a few times. They told my attorney that they could not find me. This is false because not only did they send my lean release and title to my address in XXXX XXXX, Texas, they even sent the letter last year and now this letter to my current address here in XXXX, Texas. She also asked for a phone number for the legal department so she could call the Santander legal department directly and was told that there is not a number to call and again the Santander legal department will be returning the phone call within a 24 hour time frame. 
Santander legal failed to return the call to my attorney within the 24 hour time frame. My attorney has drafter and is sending out a letter of dispute to Santander. 
My attorney completed some research on Santander and found that this is something that has been happening to several people. She found y'all are having a suit against Santander and forwarded this to me and hopes that I XXXX have enough against Santander XXXX become part of the case. 

Hope ya have a wonderful day ;

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I pulled my annual credit report and found a car loan from Santander Consumer USA, which I have never obtained. This account has created a negative impact on my report and reflects payments that were late. This information is extremely injurious to the character of my creditworthiness. I 've disputed this with the Credit Reporting Agency ( XXXX ). However, I feel that I needed to file a complaint, as this sort of business practice is fraudulent to say the least. The placing of a frivolous account, name variation and an associated social security number on one 's credit report, MY CREDIT REPORT, is a direct violation of the " Furnishers Rule '', as well as FDCPA violations and must be address expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
EXPERIAN CREDIT REPORTING AGENCY WILL NOT REMOVE INFORMATION THAT IS TOO OLD TO BE ON FILE. I HAVE DISPUTED RECENTLY AND THEY HAVE REFUSED TO REMOVE IT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: CITIBANK, N.A.
State: KS
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
NOT A DUPLICATE COMPLAINT : Case Number XXXX I am including the communication from Citibank regarding my complaint filed : This is still not resolved. My account is not active, like they stated over 11 days ago. When I called them about this, they claimed that it was not really active. I am still not getting any resolution from their side. At this point I am demanding that Citibank send my {$17000.00} deposit back to my other bank : XXXXXXXX XXXX. They even lied to me a month ago when I called them : stating that I would be receiving a check in the mail for the amount I sent them. I am done dealing with their lies & just want ALL my money back immediately. 
NOTE : I would also appreciate if you would leave complaints open until the complainant has a chance to respond to whether the issue is actually resolved. THANKS IN ADVANCE FOR NOT CLOSING THIS CASE UNTIL YOU GET VERIFICATION FROM MYSELF ( NOT CITIBANK ) THAT THIS HAS ACTUALLY BEEN RESOLVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: Preferred Collection and Management, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX, I initially reached out to Preffered Collection & Management regarding a {$100.00} medical collection that is not mine and was the result of identity theft. I sent them the official FTC report verifying that my Identity had been stolen and that the debt they were attempting to collect was not mine due to this theft of my Identity. They responded by saying that I needed to submit a police report that detailed the identity theft in order to have the debt removed. I work a very busy schedule with very long hours and was unable to immediately get to the the police department to get this report. This is why I was unable to provide the report when they initially requested it. I truly dont understand why this was necessary when an FTC report was submitted. However, on XX/XX/XXXX, I filed a complaint against Preferred Collection & Management. The complaint included the police report ( that they requested in XX/XX/XXXX ) and the FTC report. As a result, the removed the debt, but it then reappeared in my credit report without any type of prior notification, which is illegal according to the FCRA. I really dont understand why this erroneous debt, that obviously is not mine, is still appearing on my credit report. I have provided all the documentation that they requested and it is still there, even after deleting and illegally re-inserting. I just want this account removed once and for all. As the victim, i should not have to jump through all these hoops and go back and forth with the company to permanently removed an account that is not mine and that I have provided legal documentation to support. I know their previous feedback stated to contact them, but, honestly, i dont understand WHY I need to contact them when they have all the I do and documentation necessary. This is a headache and is causing me XXXX and really stressing me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company reported collection accounts without giving me the proper written notification. Company sent notices to an address that i do not reside at. Company has refused to remove accounts. Company did not give me the proper written notice to dispute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I logged into the Experian site to review my credit report. They offered to see my FICO score an credit report for a {$1.00} fee, that i paid. I was unaware this fee was a 7 day trail membership and if i did not cancel the trail within the 7 days i would be billed {$23.00}. The amount was charged on Saturday XX/XX/XXXX i called them on Monday, XX/XX/XXXX at XXXX XXXX. i was informed they do not issue refunds and but would cancel my subscription for any future billing. I can get my XXXX and XXXX credit report and FICO score for free at any time so to pay {$23.00} a month for this is something i would never have done. i only wanted to see my credit report and score to compare versus the other XXXX and see if the same inaccuracies i found on them were on their site as well. .If they want to charge me {$1.00} for this service and then ask me if i would like to pay the fee after the initial time that would be fine but to charge you to get your FICO score and make it a trial membership so you are actual paying almost {$25.00} for this info is deceitful. Integrity is paramount for anyone that is managing peoples credit and they have clearly shown a lack of it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-17
Company: CITIBANK, N.A.
State: IL
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:
This complaint is against Citi ( specifically their credit card division ) and is in relation to Dispute ID XXXX ( transaction amount {$810.00} ) on credit card, ending in : XXXX. I am outraged that the Billing Disputes of the bank refused to provide assistance in this matter, thus closing my dispute and telling me in a letter dated XX/XX/2021 that since " too much time has passed since the transaction was billed to me '', they would NOT be " able to investigate '' and that I would " need to contact the merchant directly ''. First of all, I do not care how much time has passed since the transaction was billed. That is IRRELEVANT. What is relevant is WHEN I informed the bank that there was an issue with this transaction. HOW MUCH time the bank takes to investigate is a different matter. I emailed Billing Disputes at XXXX about this transaction twice in XX/XX/2021 ( XXXX and XXXX ). Then I faxed to them a form they wanted me to complete and sign on XXXX. I faxed it to : XXXX XXXX XXXX. And on XXXX, they closed the dispute. 

The issue was : I purchased online merchandise from a XXXX business. The merchandise was UNSATISFACTORY for OBJECTIVE reasons. I returned it, and the merchant issued only PARTIAL refund. The merchant and I were in disagreement over whether there was something wrong with the merchandise. I emailed them several times about this. I told them I would accept ONLY a deduction for the return shipping label I used. It's true that I voluntarily chose to use their prepaid label. I would NOT, however, accept a deduction for original shipping cost. I can not lose nearly {$80.00} on a purchase of something that I NO LONGER have. I am stunned and shocked that Citi did no speedily resolve the matter in my favor. Banks, as third parties in a dispute, generally can not determine if there is indeed something wrong with goods because they are unable to inspect them themselves. Therefore, the rule of thumb is : if the customer can prove they returned the merchandise, they can receive full refund. I proved I had returned the merchandise. Therefore, what was your Billing Department thinking/investigating?!?

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 2020-03-25
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
GLA Collections has several debt listed on my credit report that do not belong to me. I have been notifying the company since XXXX, so yes ... 5 years of this nonsense that these accounts are fraudulent. in XXXX the person who committed these acts admitted to do so and the judge ordered all of these accounts as identity theft and to be removed. I have sent in that paperwork along with my police report that says the same thing over and over to this company ... yet they are still reporting all of these debts to the credit agencies.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company billed me with autopay ACH and auto pay was disabled in the account. The company citizens pay of citizens bank also reported an incorrect amout owed to the credit bureau. There representative lied and said that the derogatory entrys would be removed after payment. Now the company cant seem to find this conversation. This was a line of credit for products sold at wayfair.com

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Was contacted today by Chase and told due to a random review selection they were reducing my credit limit from {$6300.00} to {$1000.00} after I sold an asset and liquidated the balance to insure I had the line open and available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have pulled my credit report and seen I had items that shouldn't be there after sending in letters over 63 days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was told that XXXX XXXX had reported on my report as themselves and XXXX which neither is the originator of the loan. The originator which was XXXX XXXX was shut down due to illegal loans. My first payment was suddenly to XXXX XXXX as they say they sent confirmation of this. After I had them stop calling harrasing me at my job, XXXX is now trying to collect and I know they have been calling my office and cell phone not leaving a name after I have reported them and their affiliates to cease and desist with all contact except in writing. It is listed double on my report and I want it noted that they are not licensed in my state to do loans per the Alabama XXXX. They are all the same people. I have researched this and many states are filing suits for these illegal loans with interest rates above state laws where this company has been collecting from consumers illegally. XXXX XXXX and XXXX are affiliates. I was told to submit complaint with CFPB and if no positive response to refer back to them. Per the dept as they have been working on these predatory lenders, and if many states have already figured this scamming out, I 'm sure our state will get it done too.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief