BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-17
Company: JPMORGAN CHASE & CO.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Dear sir or Madam : I bank with Chase. I have XXXX credit cards, a savings account, and a checking account active with Chase Bank. I have been a member of Chase Bank since XXXX. I like having my accounts all in XXXX location, so I decided to use Chase to finance an auto-loan. Technically, this was a refinance because I purchased my previously leased vehicle. 

The facts are as follows : - I leased a vehicle - The lease term ended in XXXX XXXX, at which point I decided to use Chase Auto Financing to finance the purchase of my vehicle. 
- I financed the vehicle on XXXX XXXX, XXXX. 
- Chase incorrectly calculated the sales tax of the vehicle - Chase sent title documents to XXXX XXXX, MO in XXXX XXXX - Chase failed to provide me the appropriate amount of sales tax on the vehicle, so the title documents were not processed. 
- I called chase to determine where my title documents were numerous times. Chase punted me around to numerous departments before finally telling me that my title documents were not processed because they incorrectly calculated the sales tax on my vehicle. 
- I did not receive the title documents until XXXX XXXX, XXXX months after I financed my vehicle. 
- Chase caused me to violate numerous Missouri laws and jeopardize my car insurance coverage by their failure to properly process the title of my vehicle. 

As a result of the continuous errors with Chase Auto Financing, I have spent an unquantifiable amount of time dealing with this situation. If you pull the logs and calls that I have made, it accounts for what I can imagine is over 6 hours of communication, just with Chase, not counting the calls I have made to the local licensing office and the Department of Revenue. I first received notice that I owed more money for sales tax, again in XXXX XXXX, Missouri, where I do not live on XXXX XXXX, XXXX. This was over XXXX months after I financed the vehicle. 

Further, I have been assessed a tax penalty for failing to declare personal property by XXXX XXXX, XXXX in the amount of {$44.00} by the XXXX of XXXX XXXX, Missouri. I expect that this amount will be paid by Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Someone got hold of my XXXX  XXXX card and used it. When I notice it I contacted the company right away to let them know, but for some reason they want me to pay for it. And they have a company by the name of XXXX XXXX XXXX contacting 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 2018-03-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I received checks from what I later learned was someone impersonating a person representing a foreign production company. I deposited the checks and because I was wary of them, asked the bank if they checked them. I was told a check was made that it was an account and that there was money. So when I saw the money available in my account I used it at the instructions of the supposed company that had sent it. Then on XX/XX/XXXX, I had suspicions about the company. I went to the police, who said until there was an actual crime they could not do anything. I tried calling Wells Fargo and XXXX XXXX is where I was instructed to send some funds. Neguard to bad checkseither bank had much interest in doing anything about my complaint yet. Then on XX/XX/XXXX the money was taken out of my accounts because the checks were bad. I went to a Wells Fargo branch- I was out of town working- to try and find out what I can do. The branch told me they don't actually check on the checks as they are deposited. So because I have a good account, they show the money in my account knowing they can take it back if it's bad. Using the customer as safeguard.

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 2018-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have notified TransUnion several times that my last name is being reported incorrectly. I send them a copy of my Drivers License, Social Security Card, and a Utility bill. So far they have refused to make the change on my file. Also I disputed two credit card accounts. The notation that they put on each of the accounts was just updated. They are in violation of the law. They did not put a statement on each of creditors listed below that these accounts are being disputed by the consumer. This is a clear violation of the law. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX  Attached is a copy of Credit report from TransUnion

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 2019-06-12
Company: Experian Information Solutions Inc.
State: HI
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 have disputed the late payments XXXX XXXX XXXX  XXXX  accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2019-05-19
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I been making payments consistently on fedloans and they are not processing my payments and now my credit score went down 90 points so I cant even get a car and its because of them Ive been making my payments and its completely unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Experian Information Solutions Inc.
State: MA
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 experian credit report and there was a charge off reported by XXXX  that was incorrect. i contacted experian multiple times to explain to them that the account information was incorrect and they did not fix theproblem nor did they attempt to help 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 2020-05-01
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/XXXXXXXX  and also prior I had contacted Equifax via phone and via web to dispute inaccuracies on my credit report. There are repeated inquiries that I did not authorized, nor received any documents from the company or a verification call in reference to these hard inquiries. My information was compromised in the past and recently. I have credit alerts with all 3 bureaus. Which I receive via email each time anyone tries to access or apply for anything in my name. I immediately contact the creditor. Unfortunately I was advised by each creditor that I would have to report this to the credit bureaus to have it removed regardless if any documents are sent to them in reference to any identity theft or inaccuracies. Below is a list of repeated inaccurate hard inquiries that is listed on my report and damaging my credit file with Equifax. The other bureaus have acknowledged and deleted these inquiries due to previous/ recent identity theft and inaccurate information listed. Also due to me contacting them after receiving these credit alerts and also do to my information being expose in 2 data breaches with Equifax. Which I am still waiting on a settlement by the courts. 
Please see listed unauthorized hard inquiries below. Also attached is my drivers license and a copy of several letters XXXX XXXX stating that someone previously used my information to apply for an account/ credit card and after an investigation they determined that it was fraud. After their system was hacked. 

Unauthorized Fraudulent Hard Inquries XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, XXXX XXXX. 
Note : As you can see theres a pattern of someone trying to obtain credit in my name back to back within one month repeatedly which is uncommon and I was was not contacted via phone from this creditor in reference to this matter on these occasions. I was only contacted via mail advising me my information was found in the system due to identity theft. 

Other unauthorized hard inquiries XXXX- XXXX, XXXX  XXXX XXXXXXXX  XXXX XXXX XXXX, XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX. 

I am requesting for these inaccurate fraudulent inquiries to be deleted immediately as this is damaging my credit file and was not consented.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: EQUIFAX, INC.
State: NY
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:
There is a fraudulent account opened up in my name. This account is fraudulent and must immediately be removed from my credit profile. I am in the process of filing suit against the creditor. I am XXXX XXXX XXXX and I have no negative accounts on my credit report except for this fraudulent account. It must be removed immediately. 

1 ) XXXX XXXX Balance {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Experian Information Solutions Inc.
State: IL
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:
After sending information to verify myself with my disputeson XX/XX/XXXX and XX/XX/XXXX, XXXX, Experian, & XXXX have not investigated or responded to disputed items on my credit report. They have violated the FCRA 30-day-to-respond regulation.XXXX finally responded XX/XX/XXXX but still in gross violation of FCRA regulations ....

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 2019-10-09
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SANTANDER CONSUMER U has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Alorica Inc.
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:
I previously filed a complaint onXX/XX/XXXX with this agency and an OCR complaint due to the company violating HIPPA. This original complaint was filed because on XX/XX/XXXX XXXX XXXX XXXX XXXX sent documentation of financial agreement form from the original creditor, which states a financial agreement between me and the hospital and an itemized billing statement with procedure codes and diagnosis information. After thoroughly reading the financial agreement section, it does not say anything about the hospital sending billing information or PHI to a third-party collector. I have never signed a HIPPA release form that stated they could have my PHI in the form of procedures, procedure codes and ultimately diagnosis information to any person or third-party collection agency. I have also never submitted a HIPPA form to XXXX XXXX XXXX XXXX XXXX  . I asked for validation of the debt, which did not require them to violate HIPPA and does not act as a HIPPA release form.

The company responded that their attorney stated they could have access to procedures and personal health information in order to collect a medical debt under the HIPAA " Treatment, Payment, and Health Care Operations Disclosures ''. Although after looking at this provision myself it does not say that a hospital or doctor 's office may send PHI to a third-party collector only to another covered health care entity or with expressed written permission from the patient. The HHS.gov website states, a covered entity may provide information without patient consent under the following circumstance, " A health care provider may disclose protected health information about an individual as part of a claim for payment to a health plan. '' XXXX XXXX XXXX is not a covered entity or a health plan under the definition of HHS. gov. So they never had permission either from me or through the statue that they claimed in their first response.

After submitting my claim to this agency as well as HHS.gov 's OCR division, I also filed a complaint with the State of Texas, because it seems that Global Receivables is not bonded in the State of Texas as a debt collector according to the Secretary of State 's website.

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 2021-09-21
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To Whom It May Concerns : My name is XXXX XXXX I was trying to refinance my loan with XXXX XXXX XXXX  office was XXXX XXXX XXXX, XXXX NMLS # XXXX XXXX XXXX NMLS # XXXX Mr. XXXX he stayed my loan with him about in XX/XX/2021 after few months later he told me my credit score has dropped during the time doing my loan I didnt charge or did any changes with my credit I was adding my daughter as well her name is XXXX XXXX XXXX XXXX XXXX he reported or updates my income to with my creditors during that time few of my credit card was closing XXXX he was pulling our credit repot weekly to see if my daughter was not charging or use her credit by pulling our credit report thats what brought our score down. XXXX XXXX also request pay out from my Mortgage company four time for payoff which he should have done once in the beginning and one at the end so my loan got Declined due to credit score when I complained to the manager Mr. XXXX he just refunded me the charge that Freedom Mortgage Company charged me for payoff {$100.00} for the credit score didnt want to do any about it Than I tried doing my refinance with my own mortgage company Freedom Mortgage loan offer was XXXX XXXX XXXX loan advisor, I asked him give me a one with cash out and without Figure he did give me with cash out and once I asked Mr. XXXX  to give me a without cash out he withdrew my application and stop replying to my email and phone calls with out Explanation tried to Complained XXXX listen to me said XXXX call me back no reply back This MORGAGE Companys are taking loan and at the end Decline loans they do not care about our credit score going down. 

Now I am refinancing with XXXX XXXX XXXX they want me to pay PMI my understanding when paying PMI is when you dont have Enough equity on your house even with the cash out I have equity should not be charged PMI this is not helping me it is Managing me out of my property During Pandemic we home owners should be getting helped please advise what or how can I help to save my credit score and save my house Regards 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 2020-05-05
Company: EQUIFAX, INC.
State: NY
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:
Someone got hold of my XXXX XXXX card and used it. When I notice it I contacted the company right away to let them know, but for some reason they want me to pay for it. And they have a company by the name of XXXX XXXX XXXX contacting me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2017 we received a Notice of Servicing Transfer for account # XXXX from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX, with an effective date of XX/XX/2017. Per the law our present servicer ( Beneficial ) is required to send a notice at least 15 days before the effective date of transfer or closing. Given the time it takes to send and receive mail, we did not receive this notification until XX/XX/2017. Therefore, Beneficial failed to meet the time requirement of 15 days per the law. Therefore, the notice of servicing transfer for account # XXXX should be null and void and Beneficial should be fined the appropriate fine as per the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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:
TransUnion Consumer Solutions XXXX. XXXX XXXX  XXXX PA XXXX Is reporting false information to lenders, financial institutions and all related causing financial hardship and financial disability in the business world and my finances ... the company is reporting negative information about my finances and it's history ...

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 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 explanation
Consumer complaint received 2018-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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: Problem with personal statement of dispute

Complaint:
back in XX/XX/2014, there was a discrepancy with my BOA account. At the time I was XXXX, and not fully aware of what happened. The bank never explained to me initially what happened all they said was that I owed them about $ 200/300. They had closed my account. They said if I paid them out in full then I could just open my account again, of course, THEY LIED! it was never explained to me what XXXX was. I actually did not even know until I tried to open up another account and was denied. I was furious. They said to get my credit report talk to the XXXX   people they can remove if I did a claim, they gave me the runaround and honestly, It frustrates me writing about this 4 years later and I still can not open up any type of account. Even places that don't use XXXX. I'm not sure what type of hold they have on my SSN, but it's going to cause me to be homeless ( I'm already carless now ). It's just one more year until it's off. But I need this to be lifted immediately, I paid them in full literally as soon as this happened and no one wants to help me, I've cried, screamed, yelled, I've even just not talked at all about it, this is by FAR the most emotional thing I have ever been through it's so sad that I am trying to build my credit and there is nothing I can do, I can't get approved for anything at all. Please I just want it fixed This is my final cry for help before a breakdown

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