BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I called the redemption department of chase auto finance today and requested relief options. This is due to the " XXXX XXXXXXXX XXXX Collapse, fema disaster code : XXXX Incident Period : XX/XX/2021 and continuing. Declaration Date : XX/XX/2021 ''. My vendors in this area of XXXX are out of service. This XXXX directly is impacting my business and we have no eta of when it will be open. Over 100 people are XXXX  and feared XXXX. There is no eta for when it will be resolved. I requested a 1 month extension today by phone with the redemption department. Please note as stated this has impacted me and please give an extension. Thank you. 

Also, I for some reason am in a " special collections unit '' even though my account is current. The supervisor I spoke with today in the redemption department advised to get out of this department and to receive normal service again I would have to request it in writing or by phone. Yet again, poor service and no callbacks or good service since being assigned to this department.

1 ) Please explain why I am in special collections unit and how I can go back to normal good faith handling?

2 ) Please confirm receipt of the request to skip a payment from the " redemptions department '' who I spoke with. I talked to XXXX  and her supervisor who said they submitted this request today. Please confirm receipt and extension of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed complaint # XXXX with the CFPB approx 2mos ago and was immediately contacted by the LoanCare company. They called me three different times and said that they take my complaint seriously and that it has been assigned to the " Office of the Customer '' and that I have a personal person in charge of it ( they never gave me a name or direct phone number for that person, the number they gave goes to their call center ). The person I spoke with acknowledged the mistake in my complaint as well as the letter they sent and said that they are working on my COVID relief loan modification and that they will fix the problem on their end immediately and that I should receive a new loan modification in 30 days. I asked them multiple times if there was anything I needed to do ( new paperwork etc. ) and they said no XXXX XXXX this is our error and we have all of your info and we will send out your new payment and terms in 30 days. It has been over 30 days now and I have been contacted by LoanCare to begin a new loan modification process/paperwork. When I called in to inquire they do not seem to know what is going on. It was escalated to a guy named XXXX who actually looked into the problem and said that he believes he sees what the problem is ( they tagged my loan as a new loan modification instead of a CARES act COVID relief modification ) however he can not resolve it. He claims he escalated to the office of the customer and they should take care of it. Yesterday LoanCare called me to say they received the complaint are reviewing whether or not I need to submit a whole new package, here we are back to the beginning again and I am afraid these people are going to try to take my home and foreclose on me. Furthermore I should have been able to refinance my home for a much lower rate ( I am currently at 4.625 % and I have been quoted 2.5 % ) which would save me ~ $ 800 month back in XXXX. Now the rates are going back up and who knows if I will ever be able to take advantage of this and then I lose out for the next 30years which could end up costing me hundreds of thousands of dollar'splease 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 2023-11-28
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26
Company: Santander Consumer USA Holdings Inc.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
A woman I dated 35 years ago died Her daughter contacted me asking for help. I agreed to help her and paid XXXX for a down payment on a car for her. I somehow ended up on the contract? I have never seen the truck and I live in Mississippi and the truck was bought in Texas. I never agreed to cosign a loan and I have for 31/2 years asked for a copy of the loan documents to verify my signature. Chrysler has repeatedly lied and failed to send me a copy. But it shows up as a cosign on my credit report. I filed a dispute with the credit reporting agencies but the say it was verified. I have never received a copy of the contract! I do Not believe I signed it and need help. Can you assist? I do not understand how they could verify the debt without verifying my signature. Also if it is verified Why has Chrysler refused to send me a copy so I can verify the signature? I believe my signature to be false. I do Not remember signing anything except an agreement to pay a additional down payment of {$8500.00} I had already sent the girl {$1500.00} to pay down on a car. I believe this is a fraudulent loan and I am requesting a copy of the loan documents for verification. Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : Account Name : XXXX  XXXX Account Number : XXXX XXXX  XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: MAJR Financial Corp
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
major finance is the company on my credit report i never opened this account it reporting as a late payment i never authorize this account i was a victim of theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Square Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I bought something from someone using cash app from XXXX and he told me that cash app had emailed him and said that it requested a refund for the money I sent to him previously, twice, both for XXXX dollars. Cash app said I did, but also said the guy had the money but couldnt tell me where my money was if it was refunded in the first place. Turned out to be a scam, as you can see from the screenshots are a scam, I never received the computer I paid for and I had to file a dispute with my bank and having to submit a police report because this is now considered a felony because its over {$500.00}. And cash app wont tell me where my money is or give me my refund, which is around $ XXXX. I will submit all screenshots if needed. But cash app needs to be held reliable as well! This is horrid customer service. PLEASE LEARN FROM MY MISTAKE. PLEASE MARK OUT ALL PERSONAL INFO, I DID NOT HAVE TIME TO DO IT FOR THE SAKE OF GETTING THIS COMPLETED BY THE END OF THE WEEK. THANK YOU IN ADVANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: TX
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In 2022 XXXX, My Capital one account got fraudulent money from XXXX. Scammer use my account info to scam money from other individual. as a result, My account was closed and money was disappeared ( including my money ). I called capital one serval time to resolve this. They think i'm the scammer. refuse to open new account. The money was reversed to victim and i'm left with bad credit score and lost money. I don't like to ask for the money to be reimburse. I want just checking account to pay my credit card bill that i have in Capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, I opened a credit card with American Express on XX/XX/2021 ( XXXX XXXX XXXX ). the card had a bouns offer of XXXX miles after spending XXXX $ in XXXX months. I meet all these requirements. I called American express today ( XX/XX/2021 to see why I did not receive the bonus offer. They told me that I was no longer eligible even though I meet the requirements for the bonus points. This is fraudulent activity by American express. You can not offer someone an offer then deiced to not to offer it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: CITIBANK, N.A.
State: AZ
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:
Home Depot reported to my credit report a 30 day late payment in XXXX XXXX I called Home Depot and explained that Im a victim of identity theft and was not aware of the amount due. I was told by the representative at Home Depot that they would remove the late charge of {$40.00} and request the 3 credit bureaus remove the 30 day late payment. I was also sent a letter with this information in writing and attached it to this complaint. They did not fulfill this promise and have yet to have the late payment removed from my credit report. I have disputed the late payment mark on my credit report through the credit bureaus but Home Depot keeps denying this request even though I have a letter from Home Depot stating theyd have it removed. Ive also provided a police report to Home Depot showing Ive had my identity stolen and the letter they sent me stating theyd have the late payment mark removed. They have yet to do so.

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 2022-08-26
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:
On XX/XX/XXXX, upon the advised of a legal councel, I immediately went to XXXX XXXX Police Department and filed a report regarding what I just learned a fraudulent information showing on my credit report. I am very much surprised to learn that an existing mortgage account being reported under my Name and my Social Security number by XXXX XXXX XXXX with opened date back XXXX of XXXX. 

I hereby attaching sworn statement given in from of Police Office XXXX XXXX # XXXX. 

Account information of fraudulent account is as follows. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Loan Amount : {$90000.00} Balance Owed : {$15000.00} Though this account appears to have been kept with good payment status, this is still not mine and must be removed from my credit report immediately.

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 2019-06-20
Company: CFM Group LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have started receiving calls regarding a credit card equipment that I had from XXXX XXXX XXXX   card while I was using their service. After I stopped using their service they advised me that equipment was not needed back as it was outdated. After about a year I got a call from capstone collection agency  from XXXX asking for {$360.00} for the equipment. I explained them what I wrote above and also told them that I still have the equipment and is no use for me so I can still return it. Obviously that would not do good to their pockets so they kept harassing me and threating me that they would spoil my credit and I would retreat not paying them. Today I received the call again and guy on phone threaten me again and told me watch what I will do to your credit, I told me clearly Im more than happy to return the equipment which is what they dont want because they are simply after money. I have checked out capstones reviews as well and they have done this to many of people. Someone with the authority should take some action against them. This isnt right for the sake of greed they threat and abuse people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. Please find it in your best interest to delete the items

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Total Card, Inc.
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: Account information incorrect

Complaint:
The company has reported to all 3 bureaus that the account was discharged in my CHXXXX bankruptcy which closed in XX/XX/2021. They are reporting late payments to my credit and sent me another collection letter on XX/XX/XXXX. Bankruptcy guidelines are very strict that once the debt has been discharged they are not to continue collecting. This company is committing fraud by pursuing this the way they are. I want Total Visa to quit contacting me in regard to this matter and remove themselves from my credit and stop reporting late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
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 XXXX XX/XX/2021, I received a fraud alert on my XXXX XXXX account that someone was trying to add a new credit card to an XXXX XXXX account. I already had the card added to my account and was receiving multiple one-time passcodes from XXXX within the span of 5 minutes. I immediately recognized it as suspicious behavior and looked at my credit card statement. When I looked at my credit card statement, I noticed 3 charges through XXXX that I did not make. I actually have never purchased from my XXXX account, however I do have a XXXX account. 

The charges are as follows : - XXXX XXXX XXXX  XXXX XXXX  for {$44.00} - XXXX XXXX XXXX XXXXXXXX CA for {$43.00} - XXXX XXXX XXXXXXXX XXXX CA  for {$45.00} I immediately called Bank of America ( my card holder ) and alerted them that I was receiving fraudulent one-time passcodes from XXXX XXXX  and that I received 3 fraudulent purchases, all at the same vendor, all around the same amount. Bank of America immediately cancelled my card, issued a new one, and put a hold on my account and issued credits for the fraudulent charges. 

On XXXX XX/XX/2021, I was charged for the fraud dispute on my statement. I had not received any information about my fraud claim and no one contacted me for further information or evidence. I immediately called Bank of America and they informed me that the vendor ( who they could not provide me the name of ) had proof that I had received the " goods. '' They could not provide me with the address they were sent to, what the goods were, or who the vendor was. I explained that I never made these purchases, never received any goods, and could show my XXXX account, XXXX XXXX fraud alerts, etc. They then informed me that there were no notes originally filed in my report and that they never knew about the XXXX XXXX  fraudulent OTP or that they had alerted me to fraudulent activity. Bank of America then opened up a complaint on my behalf since they did not do any investigating and didn't record my original notes. The complain number is # XXXX. 

Today, on XXXX XX/XX/2021, I received a letter that my re-opened claim was again denied based on the original information that the unknown vendor. They continue to not provide me with information from the " vendor '' on why they are denying my claim.

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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