BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In early XX/XX/XXXX I received an unsolicited credit card for my business in the mail from chase. I have had a credit card, the same one, for years with them. A fraud supervisor told me that sometimes chase sends out new cards for security purposes. He would cancel my old card and to use the new one. On XX/XX/XXXX I called the business premier banking line at Chase as my new card wasnt showing up and my old card was still there. I spent over an hour on the phone being transferred 6 times to find out the new card was for an account I supposedly opened in XXXX ( why would I open a second exact same credit card? ) and was due to expire. In other words a different account. For over 20 years as a chase customer Ive only ever had one credit card account. I tried today to cancel this unsolicited account without success despite being transferred back and forth. I am concerned that like XXXX XXXX opening unsolicited accounts some years back, chase might have done the same thing here. I need this second account closed and not be transferred around while they point the finger at another department. Chase reference number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2016, my wallet was stolen. Previously I have lost my Police Report but now it found. My cards were listed as stolen when your company bought my debt. I have already paid you most of the debt and I want to resolve the issue without a trial. I do not intend to make payments anymore, and if you do not cease collecting the debt, I will go to court, with the involvement of the bank, who did not send me a new card in return for the stolen one, did not close my account and sold the debt on the stolen card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
35 years ago I opened an account @ Bank of America, it was a no-fee account, with no minimums, no direct deposits requirements, a totally free checking & savings account as long as I didn't overdraft, which I haven't. In today 's mail, I get a letter from them telling me if I don't meet certain criteria that they will charge me {$12.00} per month. I signed a contract/agreement with them 35 years ago, how can they change the terms in a blink of an eye and start charging 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 explanation
Consumer complaint received 2021-01-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern on XX/XX/2020 Select Portfolio Servicing ( bank ) granted a 90-forbearance due to covid 19 hardship. Reduction in hours, school closures, office shutting down etc. During the forbearance period starting on XX/XX/2020 ending XX/XX/2020 o payments were due. However Only XX/XX/2020, Select Portfolio Servicing, then reported to the 3 credit bureaus that my mortgage account ( which they no longer had ) was over 60 days past due. THIS IS NOT THE CASE, under the Federal guidelines, NO NEGATIVE REPORTING WAS TO BE DONE TO CREDIT AGENCIES DURING THE FORBEARANCE. ( from Select Portfolio Servicing ). 
I contacted SPS, they told me they no longer have account information and would not take back the negative credit report. After several failed attempts with SPS ( select portfolio servicing ) to fix my credit report, I then contacted XXXX, and disputed this issues 3 times with them each time submitting documents that prove that SPS fraudulently reported 60 days past due on my credit even though a forbearance was in place. I received a letter back on XX/XX/XXXX from SPS admitted they reported incorrectly and would fix it, they never did. I supplied XXXX with these documents and now my credit report is even further damaged, it now shows incorrectly that I was 60 days past due on my SPS account in XXXX of 2020 even though i did not have that account open as of XX/XX/2020. Select Portfolio Servicing has broken federal guidelines during a forbearance and still as of today XX/XX/2020 has still NOT fixed my credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2021 I requested to withdraw {$120.00} via ACH to my bank account after the Binance fees {$100.00} was supposed to be deposited by ach on XX/XX/XXXX I received a email saying that my request was successful and that it takes 3 to 7 business days to arrive depending on my bank, its been 2 weeks and I still dont have my money Ive submitted support tickets and get no reply, Ive sent the CEO a email, Ive tried to contact Binance.us on all social platforms and gotten no replys, they are not accredited but I still filled a complaint with XXXX  regarding the problem, this is Ridiculous that Im having to go through all these hassles to get my money that I paid a heavy fee to get, crypto is super popular right now if this happened to me I can only imagine how many other people may be experiencing the same problems with me, Consumer finance Im begging yall to help me get my money I feel robbed by Binance.US sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-26
Company: Atlanticus Services Corporation
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My soon to be ex-wife took out several credit cards and loans out in my name and racked up around {$30000.00} worth of debt in my name. I currently have debt collectors trying to collect and my credit score is horrible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, starting on XX/XX/2022, I applied for an apartment in New Jersey, because of my employment work relocation ( XXXX  ). Although, my application was denied. I inquired with the apartment leasing office the rationale why my application was denied and was informed, the leasing office ran my application and could not receive my Experian credit score. This is devastating, I'm a XXXX  and my employment depends on my ability to support my organization. As a XXXX man, my family had to step in and co-sign for an apartment so I could relocate in schedule. Once, I was settled in my new location, my XXXX car had engine problems, probably due to the XXXX XXXX XXXX trip to my new location. I applied online for an auto loan with XXXX XXXX, who financed my previous two vehicles. Within 20 seconds, I received a computer-generated response, my credit report was denied. I have " never '' missed a payment and paid both cars off early. I have never been late or missed any payments. I contacted XXXX XXXX  and were also informed ; they couldn't get my Experian consumer credit report. I created and Experian account and sign-on to my account. AS THE ACCOUNT OWNER, I COULD'NT GET MY CONSUMER CREDIT REPORT. I called numerous time s to no avail, NO SUPPORT and were told. you don't have any open account. WELL ASSESS OR SCORE THE CURRENTLY CLOSED ACCOUNTS. this is destroying me, I CAN'T GET CREDIT, APARTMENT, HOME LOANS, or anything tat I can't pay cash for. I need someone to correct this AS SOON AS POSSIBLE, I NEED MY CREIDT SCORE. If Experian is going to be a consumer credit reporting entity, they should be held accountable.

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-27
Company: ASSOCIATED BANC-CORP
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Associated bank has not been managing my escrow account in professional manner. There has been issues with property taxes not being delivered as I asked, as well as issues with home insurance payments being distributed in a timely manner resulting in policy cancellations and lapse in coverage. They were informed of policy changes not only by myself but the insurance companies as well, as they are listed on each policy as the mortgage lender. I recently reached out to them again to fix yet another issue with the insurance policy. The insurance company did not receive a payment for insurance until XX/XX/XXXX, because I had to once again reach out to the bank after several attempts by myself and the insurance company. Due to the delivery of the insurance premium not being delivered they decided to cancel the policy and not reinstate it. I brought this to the attention of staff at Associated bank and they are now trying to force insurance on my mortgage as this policy being cancelled is due to their lack in making this payment. I do not feel I should have to pay a forced insurance fee due to them not delivering payment and policy being cancelled. I had coverage and they are the reason it was cancelled. They were informed of switch in XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On or around XX/XX/XXXX I received a letter letting me know my mortgage loan had been sold to XXXX XXXX XXXX services from XXXX XXXX XXXX. XXXX started collecting my payment since XX/XX/2018. On or around XX/XX/XXXX I called into experian to dispute the account still showing open, yesterday I got my an email about the results of my dispute and the dispute came back verified no changes. I don't know how they can verify the account still open XXXX XXXX XXXX   have sold the loan. The Loan needs to report closed paid in full from all 3 credit bureaus Experian, XXXX, and 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 2023-10-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-16
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-04-19
Company: SANTANDER HOLDINGS USA, INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I am writing to file a complaint against Santander, the auto lender, and XXXX of XXXX, the dealership, regarding the purchase of a XXXX XXXX XXXX. On XX/XX/XXXX, I purchased the car from XXXX of XXXX, located at XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. At the time of the purchase, I was freshly XXXX XXXX XXXX and lacked the knowledge and experience to fully understand the transaction. 
The dealership took advantage of my lack of knowledge by not disclosing crucial information regarding the car 's condition and the terms of the contract. The car had a listed mileage of XXXX miles, but the odometer showed XXXX miles. Although the sales agent promised to adjust the price accordingly, it was never done. The dealer failed to include my exact model/trimline of my vehicle on my agreement and didnt put my insurance companys name or policy number on my agreement. Furthermore, the dealership did not include the agreement to break my down payment into two payments in the written contract.

I was also offered a warranty, which the dealership promised would cover everything. However, the car started overheating due to the radiator fan just 2-3 weeks after the purchase. When I took it back to the dealership, they informed me that it was not covered under the warranty because it was part of the electrical system. I was shocked to learn that I was not enrolled in bumper-to-bumper coverage, which I was promised at the time of the sale. 
I feel that the actions of XXXX of XXXX and Santander have been grossly misleading and negligent. They violated my rights as a consumer and took advantage of my inexperience in purchasing a car. The negative reports that Santander has made to my consumer report have made it extremely difficult for me to obtain credit extensions, which has caused significant financial hardship. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against these businesses. They must be held accountable for their actions and prevented from treating other consumers in a similar manner. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Experian Information Solutions Inc.
State: NC
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:
Yes my dispute relates to all three credit reporting agencys. But the most troubling is Experian. XXXX instance we can look at an account on my report under university XXXX XXXX. I just got off the phone and the multiple representatives I spook with said this account has been verified accurate but the university. But according to paperwork sent to me by the university its inaccurate. Ive disputed the account numerous times. They have yet to correct the issue. On top of this Im unable to get my free annual report. They are mailing my dispute results to my current address and previous address with different names on the report. Im getting mail forwarded. Ive tried to tell them there is an issue with this and they have not been willing to help. This is really affecting my quality of life. This university XXXX XXXX account has been given to a collection agency even though I was first enrolled in XXXX and later in XXXX both of the dates should fall into the lawsuit with them. This account is only showing a charge off EVERY MONTH SINCE XXXX. Its being updated in a way to appear newer in my report than it is. Experian is impossible to deal with and Im getting tired of not getting help.

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 2023-10-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-06-02
Company: Experian Information Solutions Inc.
State: NJ
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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