BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-04
Company: EQUIFAX, INC.
State: FL
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 CHECK MY CREDIT PROFILE AND THERE WAS SEVERAL IN CORRECT ACCOUNTS LISTED ON MY REPORT SOME OF THE ACCOUNTS I WAS NOT AWARE OF IM NOT SURE IF A CLOSE FRIEND, CO WORKER OR FAMILY MEMBER USE MY IDENTITY BECAUSE IM USUALLY SAFE GUARDED BUT THERE ARE FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA 'S. On XX/XX/2020, I mailed Equifax, XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company AMCOL Sytems Inc has not submitted a written debt validation that shows a contract between them and myself that shows that they are authorized to collect any monies from me. A validation would include my signature and I have not received anything from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I did not receive a notice of the right to dispute the debt XXXX claims that I owe. I have disputed the debt multiple times, recently over the last year, and have only received a notice saying that they have validated the debt and will not dispute it again. They completely left me " in the dark '' to take their word for it that the debt is valid, without providing any documentation. Where is my hard copy documentation? How did they validate a debt? Where is proof of the balance? Where is the payment date proof? During XXXX of my attempts to dispute the information via the credit bureaus, XXXX XXXX XXXX even sent me a letter offering me a settlement amount, DURING a dispute, and according to my credit report ( which they say is valid without providing proof ) is PAST the statute of limitations. After disputing the debt account with the original creditor listed, they removed the account from my credit, but portfolio recovery associates refuses to respond properly to my dispute efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 As a consumer by law this account must be deleted immediately 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 As a consumer by law this account must be deleted immediately 3. Validate/inaccurate reported late payments. 
XXXX Account XXXX : XXXX Please update late payment, all payment was made on time 4. FDCPA Section 807 Violation Misleading False Reporting XXXX Account XXXX : XXXX Please remove it from my credit report. 
5. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2021-08-24
Company: DISCOVER BANK
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a charged off credit card reporting on my credit report for Discover ( card ending in XXXX ). I reached a settlement with them on XX/XX/2019 to pay a one time payment of {$7300.00}. In the settlement they stated that once the payment clears my bank account that they would consider this account settled for less than the full balance owed which was {$10000.00}. This was in a settlement from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Ocwen Financial Corporation
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Trying to payoff mortgage cant get an accurate payoff amount. I only owe them XXXX but I can get them to get me an accurate payoff quote.

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 2022-07-08
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I am showing a bankruptcy on my credit report that is not mine.

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 2020-12-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have already notified the credit bureaus of this account being a result of identity theft. It has been over 60 days and an investigation hasnt been started. This a violation and as a result this account should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
When retrieving my credit report of XXXX on annualcreditreport.com I noticed irregularities which led me to find out I am in fact a victim of identity theft. There has been several charges made on multiple credit cards of mine and then finding out of new accounts that I never opened. I did NOT make these transactions nor open any new accounts. This was definitely a direct result of identity theft. It has now come to my attention that my former roommate, XXXX XXXX with whom I moved in with after separating from wife, XXXX XXXX on XX/XX/XXXX. XXXX has called several furnishers to retrieve information and opened new accounts without my consent. XXXX preyed on my emotions at a very vulnerable time and as soon as I started to suspect irregularities in my financial portfolio, she took her son out of school and moved to XXXX XXXX, NV, I believe living with a grandmother that resides there. I have read The guidelines for the procedure by the FTC and have taken all measures necessary. In addition, I filed 2 police reports in both towns I live/lived for theft and fraud, have put fraud alerts on my credit report with all 3 bureaus, informed all necessary parties of the identity theft and have written letters to all furnishes and the bureaus. As a direct result of this I have lost {$50000.00} and have had hundreds of inquiries falsely made under my name. Today I still receive calls from debt collectors and loan officers. It has been a horrific year to say the least. I have ignorantly now fully educated myself on cyber crimes and the measures one takes to secure and recover their credit. I hope that I am given a refund for the money that the individual has stolen without my consent and my credit report will be corrected appropriately. I also would like to let people know that you dont know when it may happen or even if it will happen at all to you so now being a victim of identity theft I can only suggest to everyone to educate yourself on identity theft and take action to protect yourself. And hopefully together we can fight against cyber crimes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase bank issued me Chase Slate and Chase Sapphire Visa credit card accounts a year ago. At the same time I had Best Buy Visa credit card by XXXX XXXX. XXXX XXXX increased my limit over the time, but Chase Bank denies my right for credit line increase over time and by doing so denying credit tp customers. Having hard position not flexible. I was once told they randomly pick 10 percent of account for review. It is every single one of us 's rights for account review and credit increase over time. I paid back in good faith because I believed Chase lend in good faith. Never missed a payment, no late payment, no delinquency, ... They deny me credit by not increasing my credit over time. That 's crucial because It is essential to maintain 30 % or close to 30 % balance to credit limit ratio for best credit score practices ... I had not submitted credit limit increase application for hard pool for my Best Buy Visa credit card by XXXX XXXX for credit limit increase yet they did increase my limit over time. Chase insists and says The only way for them is we ask for and submit hard pool inquiry application to put inquiry in our credit report which credit inquiry removal is costly $ 30+ per inquiry removal. They lie because they are account issuer, at any moment they have ability to look into my credit report and see what is inside. I do n't buy their XXXX. I reserve the right to print this complain submitted and go to court against Chase whom their Executives do not get back to customers upon phone call complain and we have to fax or write a letter to them as the only way for them to hear our voice and to get back to us. They deny credit by refusing to increase credit limit over time to customers. I may very well stop paying back and escalate issue for court complain or arbitration or settlement if they do not soften their position. I am confused and I am thinking about my rights and options. The rate they have approved me for credit cards are rates they approve bad credit people not good credit people. I had XXXX score when I applied. Even they approved for auto loan at 8.9 % and XXXX dealership approved me 1.9 % They get outsmarted by others all the time. Chase Bank is abusing us. Please help ... Executives should be reachable by customers request from customer service or managers and get back. It is not customer 's job to earn their business. Its the bank 's job to earn customer 's business.. They have to be brought to justice for doing this to respectful US citizens whom deserve to be treated with dignity and respect not denying credit and being ignorant and negligent against them ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a Business Fundamentals Checking account with Bank of America on XX/XX/XXXX in branch. The account came with a promotion to receive a {$500.00} bonus when depositing a cumulative {$20000.00} and making 10 electronic  transactions within 60 days of account opening. These requirements were fully met by XX/XX/XXXX. I did not receive the promised {$500.00} bonus after that .... 

The bank was contacted regarding this on XX/XX/XXXX and I was told it would be manually looked in to and credited. No bonus posted. 

A follow-up call was done on XX/XX/XXXX and I was told the issue was being escalated and I would receive a response no later than XX/XX/XXXX. 
No such response ever came. 

On XX/XX/XXXX a bonus of {$300.00} was posted. It is nice that they provided a bonus ... but it was not the promised bonus per the terms. They are still short {$200.00}. 

Upon re-reviewing the paperwork provided at account opening, the dates to match up as they are prior to the account opening. My guess is that the banker signed me up incorrectly for the promotion ( I recall her manually entering the code in to the computer and having to re-enter a different one because the first one she said was wrong ), which would explain the bonus not automatically posting. This is however, an issue caused by the bank, and I should not be punished for this. 

As of today, XX/XX/XXXX, i have been unable to get a satisfactory resolution from Bank of America and are asking for help as they still owe me {$200.00}.

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 monetary relief
Consumer complaint received 2015-06-05
Company: MOHELA
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Concerning case number XXXX : Today I learned from a fellow employee that a representative from MOHELA talked with my co-worker over the phone and the MOHELA representative asked my co-worker about my location. This is extremely troublesome to me. How can this sort of activity be legal? This is absolutely unethical behavior by MOHELA.

Company response to consumer: Closed
Consumer complaint received 2022-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX/XXXX/201, I placed an order with XXXX for {$190.00} using my Bank of America credit card ending in XXXX. In XX/XX/2022, I returned some items to XXXX and received a credit for {$120.00}. I also felt, I should have received more credit hence I filed a dispute for {$36.00} with Bank of America on XX/XX/2022. 

On XX/XX/2022, I received a letter stating I received the credit of {$36.00}. After a few days of the credit not posting to my credit card, I contacted Bank of America, I was told to wait until the end of the statement cycle for the credit to post. I have the audio of this call and the notes are on my account. 

I waited until the next bill cycle and the credit has yet to be posted on my account. Please explain where is my credit as per the letter received.

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 2020-03-04
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2015-08-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I had an HSBC credit card that was charged off in 2007. The credit limit was {$500.00} and the high balance was {$790.00}. HSBC sold this debt to someone else. They are continuing to report this account on my credit report after 8 years? This was supposed to have been removed last year. This is doing severe damage to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX I made a deposit to an ATM machine co-located with a branch of Fifth Third Bank in XXXX, GA. The ATM accepted the {$400.00} cash deposit, but did not present a receipt nor did it acknowledge the deposit. The teller then told me they had been having trouble with the ATM and the XXXX technician had just left. I waited for the technician to return, and after an hour, he returned. He confirmed that the {$400.00} deposit had been made. The teller called Fifth Third HQ and I was given a " provisional credit '' of {$400.00}, reportedly until the ATM was balanced. On XXXX, the bank transferred {$110.00} from my account stating that the ATM did not balance and it was short {$110.00}. I referred to the teller and XXXX technician who both confirmed that I had made a {$400.00} deposit. The matter was further referred to their dispute resolution committee, which determined that they were entitled to keep the {$110.00} and could take up to 14 additional business days to investigate the matter. My complaint is this : the malfunctioning ATM machine is not my fault, and caused considerable inconvenience for me on XXXX. Why am I being prevented from using {$110.00} until they discover where the problem lies? Is this just miserable customer service or is there an actionable conversion of funds by the dispute resolution committee?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Santander Consumer USA charges too much on my car loan and has never sent me a contract detailing the fees, though I have requested it several times. Last month I had a problem with my bank account and was late in paying my autoloan installment because of it. When I looked at my statement I saw that they applied most of my installment to interest. I called and they told me they applied most of the payment to interest because I paid late. Please refer to included statement of account. : Date Posted Effective Date Transaction Amount Balance Principal Interest Late Fees Misc. Fees XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$16000.00} ( {$240.00} ) ( {$320.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$16000.00} ( {$390.00} ) ( {$170.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$16000.00} ( {$300.00} ) ( {$260.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$17000.00} ( {$230.00} ) ( {$330.00} ) -- -- XX/XX/XXXX XX/XX/XXXX XXXX {$560.00} ) {$17000.00} ( {$300.00} ) ( {$260.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$17000.00} ( {$310.00} ) ( {$250.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$17000.00} ( {$290.00} ) ( {$270.00} ) -- -- XX/XX/XXXX XX/XX/XXXX XXXX {$560.00} ) {$18000.00} ( {$180.00} ) ( {$380.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$18000.00} ( {$390.00} ) ( {$160.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$18000.00} ( {$300.00} ) ( {$260.00} ) -- -- XXXX XXXX, XXXX XXXX XXXX, XXXX ( {$560.00} ) {$19000.00} ( {$130.00} ) ( {$420.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$19000.00} -- ( {$560.00} ) -- --

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: LoanCare, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan care did not credit my account in the amount of {$1000.00} that was transferred from my XXXX XXXX  account to Loancare on XX/XX/XXXX ( for credit toward my principal ). I have had multiple telephone and email contacts with Loancare. I have emailed Loancare copies of all bank transfer records. On XX/XX/XXXX, Loancare emailed me that my complaint would be forwarded to a team of specialists. Since that time, I have received no further communication from Loancare and the {$1000.00} has not been credited to my account/applied toward principal. On XX/XX/XXXX I sent a Priority mail letter via XXXX to Loancare, per the complaint format on their website, detailing steps Ive taken to resolve this issue. I have received no response.

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 2020-03-04
Company: BANCO POPULAR DE PUERTO RICO
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Thank you for the opportunity! In XXXX I bought a house at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Puerto Rico ( PR ) with the bank XXXX XXXX, but Banco Popular de Puerto Rico ( BPPR and " the bank '' ) bought all mortgages from XXXX XXXX. In XXXX BPPR started a foreclosure case in XXXX PR, case number is XXXX. The corthouse website currently say that the case was resolved on XX/XX/XXXX, but that is not true. The bank says it is on a stopped foreclosure while a registral problem is resolved, but there is no registral problem. The bank blame the attorney of the development, Mr. XXXX XXXX XXXX with offices in XXXX XXXX XXXX XXXX XXXX PR, and the attorney blames the bank. XXXX, who works for the bank ( Loss Mitigation ) also told me after she spoke with a XXXX XXXX ( hopefully these are their real names ) that there is a company called XXXX XXXX ( which I XXXX  and found nothing ) that is working with that " registral problem '' ... since XXXX! Also that they don't know how long the " registral problem '' is going to take, and that they couldn't give any contact information to me so I can talk to them and ask them why is taking 12 years to resolve that " registral problem '' because " this is an internal process ''. This situation is making me literally mentally sick because this house is not supposed to be on my name after 13 years. I think they are lying to me, hiding something from me, and the worst is that they keep saying the house is mine, of course, because no one is doing their job correctly. I supposedly owe them {$110000.00} and is being on and off from my credit history 3 times so my credit score has been affected 3 times already. Please help me! I tried to talk to a lawyer in PR about suing BPPR for Damages but he never replied. I just want this house to be auctioned and my name be removed completely. Please, help me, I don't know what else to do.

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