BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-11
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:
Disputed with the company on XX/XX/XXXX Company received my disputes. It is now XX/XX/XXXX and i've Yet to hear back from the company. The FCRA gives the company 30 days to respond, I have been patiently waiting for the method of verification from them. Since it can not be provided can you please ask them to delete these accounts off of my credit report 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 2018-11-07
Company: Santander Consumer USA Holdings Inc.
State: TN
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:
To whom it may concern, I purchased a XXXX XXXX XXXX   XXXX, on XX/XX/XXXX. 

I have made payments since XXXX, my payments are currently {$600.00} at a rate of 27 % and I owe approximately {$19000.00}. 

The problem is that I reviewed my credit report recently and noticed that Santander Consumer USA, started reporting my loan when I first purchased the vehicle and stopped reporting as of XX/XX/XXXX. 
Per the rules and regulations of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681-1681y.

If you are a furnisher of information to a consumer reporting agency ( CRA ), you have additional obligations and will receive a separate notice from the CRA describing your duties as a furnisher. Im insisting that reporting be resumed on my account as well as back dated until last XX/XX/XXXX until XX/XX/XXXX. 

The failure to report my consumer account is very frustrating since Ive been attempting to use this account to rebuild my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Mobiloans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I recently joined XXXX XXXX, and reviewed my credit report. I see there is an account from Mobiloans on my credit report. I have never applied for an account from Mobiloans or any other loan because I am a starving XXXX XXXX  and do not have a job. I live on my college campus and can not begin to think who would 've stolen my identity. I called the XXXX number that was on the credit report but was passed around only to be told that the account had been written off. Unbelievable that an account could be opened, never paid and closed without anyone at Mobiloans becoming suspicious. 

I have filed an identity theft report with the Federal Trade Commission. The report number is XXXX. I have also reached out to my campus police to make a police report of this fraud. Apparently, Mobiloans do not verify identity prior to giving out loans.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-11
Company: Experian Information Solutions Inc.
State: NY
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:
Pursuant to 15 USC 1681 ( 2 ) ( a ) ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumers report. The following reportings are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be removed from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41.

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 2018-01-23
Company: BARCLAYS BANK DELAWARE
State: FL
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:
My XXXX credit card account was closed because of some personal hardships. I tried login into my account and they said it was locked due to security to reasons. When I tried to get it unlocked they said it was unable to be unlocked because it was closed. I am now unable to get my current balance and make payments online. This seems predatory and intentional to get consumers to miss payments or make the wrong size payments.

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 2018-01-16
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX my Social Security check 0f {$1000.00} was fraudulently transferred from my bank, SUnTrust Bank, XXXX, Florida to a bank they said was " XXXX XXXX XXXX. '' I never gave any permission for this transfer and the bank has not been of any help, in fact the person I talked with on the phone was unresponsive to my need. I am an XXXX  and in a XXXX. It is very difficult for me to get rides and leave my home. I had a - {$140.00} in my account due to an automatic bill payment and a fee of {$37.00} for a bounced check. A family member sent me a loan to prevent further charges. I have to pay back this money. I had no idea of what to do. I started on XXXX XXXX XXXX XXXX shortly after. My Social Worker came on XXXX and did the assessment of my condition and needs. She returned on XXXX/XXXX/XXXX and together we made many phone calls. We talked with a XXXX at F.D.I.C. Consumer Complaints who instructed me to complete this online complaint. Due to not having a computer, my Social Worker is helping me today.

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 2023-02-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
To Whom It May concern, My name is XXXX XXXX. I'm a XXXX who recently relocated to XXXX for work in XX/XX/XXXX. I had a similar issue occur with a personal account with XXXX XXXX XXXX  back on XX/XX/XXXX about a month after opening the account. Once I received my XXXX  debit card, I then shortly after received a letter in the mail saying XXXX  was closing my accounts. 

Now on XX/XX/XXXX about 4 months from signing up with Chase bank. I received a letter in the mail from Chase, stating my name is connected to a " Publicly Reported XXXX XXXX ''. 

Now it seems that Chase has done the same thing as XXXX XXXX XXXX. after I opened my personal account back in XX/XX/XXXX & funded it through my XXXX business account. I've recently registered my XXXX XXXX in XX/XX/XXXX but I'm skeptical about opening a business account or another personal account in case this issue persists. 

Long story short XXXX XXXX keep closing my accounts for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: AMERICAN EXPRESS COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I have never applied for credit with American Express. American Express has a gard credit inquiry listed in my name but I have never applied for cedit with this lendor. I ask that the issue is investigated and the item removed from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to Sequium Asset Solution which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. Sequium Asset Solution has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Sequium Asset Solution. Sequium Asset Solution is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: ERC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Under 16 CFR 433.1- Definitions 15 USC 1684-Civil Liability 15 USC 1692 ( b ) -Permissible purpose The Company/Seller disclosed my account information without my written permission and/or consent ; There is no Contract andor Business Arrangement ; According to the status of the collection account, it is in one or more places " assigned to an attorney, collection agency, or credit grantor 's internal collection department. '' -There is no plain writing, clear and concise to direct which one of the entities it has delivered the security/instrument/account to ; Created an adverse action affecting my credit file in a negative way ; Testifying false and misleading formation, which I did not give nor gave any permission written or oral to make a report for my file. 
I seek all refunds, damages, and remedies applicable to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
We have already submitted the complaint on XXXX XXXX # XXXX and it still has not been resolved. The continue to allocate the payment as follows.They take out the minimum on the revolving charge and allocate the balance on the promotion. I have called and even spoke to an executive XXXX XXXX XXXX XXXX XXXX and assured me the allocation will be as follow. Pay the entire revolving charge in full and any balance reduce the promotion. My latest statement show they have not done this and continued to allocate in a way I believe is fraud. 
Please help in this situation. XXXX and 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 2017-10-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
hello please for your help i have rquested XXXX to remove all un authorized inquires due to breach of there files i now have to put a fraud alert on my credit file. 
They have blocked my access to there website on XXXX due to my girl freind can access it but i cant tested on several computers. 

Please inform XXXX who has of today has been breached again to remove all Inqires from my report Thank You from XX/XX/XXXX-XX/XX/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 2018-01-16
Company: AMERICAN HONDA FINANCE CORP
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:
hippa cra violation never late and showing inquires that are not mine sent police report enclosed are hippa and cra violation honda included with showing a late everything i sent to everyone XXXX breach has cost me my life

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Two months after my home loan closed, my mortgage was " bought '' by another company and I was instructed to make payments to them. Two problems arose. First, I scheduled my next payment on this company 's website. They never processed it and, in fact, reversed it and then charged me a {$25.00} " bad check reversal. '' After waiting for 30 minutes, as they skimp on customer service, there was no explanation for this. I was sent no e-mail about this and only found out about it when I went to pay my next payment. The other problem is none of my other payments on my mortgage have transferred over. Twice I have called about this ( each time waiting 30 minutes ) and it is still not rectified. If someone is going to take over your loan, isn't it important that they get your payment history correct? Both times I was told by " customer service '' to wait several weeks and it will correct itself. Nothing has happened. All I want to do is pay my mortgage and not be bothered. Now I have to spend hours dealing with this because this company can not even manage your payments properly.

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 2019-09-18
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:
the Equifax breach caused some inaccuracy on my credit report please remove them FCRA violations XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: General Motors Financial Company, Inc.
State: RI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have mailed 2 checks to GM Financial and neither has been processed. I have tried to reach them by telephone and email but have not been successful.

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 2022-01-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. JPMCB XXXX  is reporting late, yet it is closed and the balance is zero as reported in XXXX. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( JPMCB XXXX  XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
A checking account was opened using my personal information without my permission and knowledge. I called multiple times to request them to close my account and prevent future accounts from being open under my information and they refused to do it. They asked to verify my name, last 4 social, birthdate, and home address which I provided. They responded that they are not able to close the account without verifying an email address, which I don't not have with the company because I did not sign up with the company. Now they are asking me to email the support group with a picture of my photo ID and my social security card. They refused to close the account unless I provide them more personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. SYNCB/CHEVRO is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus . Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( SYNCB/CHEVRO 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 2019-04-01
Company: AES/PHEAA
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I have been paying off the loan for over 13 years. Paid off the loan already and now they are saying I owe them the same amount I originally started off with. The principal has not been barely touched.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: HW Holding, Inc
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HUNTER WARFIELD INC  #XXXX**
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX
Placed for Collection:XX/XX/XXXX
Responsibility: 	Individual Account
Account Type: 	Open Account
Loan Type: 	COLLECTION AGENCY/ATTORNEY
	
Balance: 	$XXXX
Date Updated: 	XX/XX/XXXX
Original Amount: 	$XXXX
Original Creditor: XXXX XXXX XXXX XXXX  (Rental/Leasing)
Past Due: 	>$XXXX<
	
Pay Status: 	>In Collection<
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XX/XX/XXXX


This military housing debt 77% of this debt does not belong to me. I was XXXX XXXX living in military housing when the military XXXX XXXX XXXX XXXX XXXX The military is responsible for the 77%. I only owe $XXXX left on the debt for cleaning cost. My XXXX (housing allowance) military housing suppose to be paid my military.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11
Company: BARCLAYS BANK DELAWARE
State: NY
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:
Good afternoon, My last day in my office was XX/XX/XXXX due to the pandemic. I returned and had no choice but to accept a demotion position on XX/XX/XXXX making approximately $ XXXX less. during the pandemic I used up all of my savings to keep up with my payments. Before the pandemic I had an impeccable payment history. Never missed or late on a payment. I contacted Barclays letting them know my situation and to make payment arrangement base on what I can afford at the time, and they refuse to work with me. They offered me a settlement instead and I accept it. I paid them in full. I contacted them and explained to them The Govt passed The Corona Virus Aid Relief Economic Security Act which was enacted in XX/XX/XXXX and that late payments should not be reported on my account. Even though I settled with them in XXXX of XXXX, they are still reporting the account is in collection which is incorrect. ( Dates on my credit report - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Late Payments ). I want the late payments remove from my credit report. I'm trying to refinance my home so I can pay off my credit cards and the late payments are messing up my credit score and it is hindering me from doing so. 
Thank you very much.

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 2022-01-11
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. BRCLYSBANKDE is currently showing 30 days late for the month of XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 

( BRCLYSBANKDE 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