BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. Iwas denied due to several unknown items on report. I then printed out a copy of my report fromXX/XX/XXXX XXXX to check the reason I was denied, and I realized that soneone has been using my social security number to open up account I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$190.00} XX/XX/XXXX XXXX {$290.00} XXXX XXXX {$2900.00} XXXX XXXX {$0.00} XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$950.00} XXXX XXXX $ XXXX {$0.00} CHAPTER XXXX XX/XX/XXXX DISCHARGED 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 2017-11-30
Company: National Enterprise Systems, Inc.
State: KY
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:
NES requested balance was $ XXXX settlement amount with NES balance of {$0.00} documentation to support both. 3 months later XXXX request balance of $ XXXX will not accept NES {$0.00} balance letter of settlement. still damaging credit still adding interest. Someone needs to close account or owes me settlement amount back! I also paid takes as a earned income for the balance of $ 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 2019-04-12
Company: Santander Consumer USA Holdings Inc.
State: VA
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:
Santander Consumer USA account is reporting a charged off collection account and a late payment status. This is erroneous information, account was never late and never went to collections. The account was awaiting payment from XXXX and XXXX from a total loss. Santander was paid via settlement by me for the remaining balance on XX/XX/XXXX. Santander stated that they would remove account from all 3 credit bureaus file, once settlement was received. On XX/XX/XXXX, I spoke with XXXX, from escalated accounts and he stated it would take up to 30 days for the removal and credit files to be updated. He also informed that a letter of settlement would be sent stating account was paid and removed. As of XX/XX/XXXX, no letter. However, I did receive a 1099-C (  cancellation of debt ) for tax purposes. Once settled and receipt of cancellation of debt account should have been removed. Santander has refused to remove status of late payment and sent to collections. Again neither of those 2 referenced things applied to my account. I have reached out on several occasions, with no relief. Santander has been unrelenting through this whole ordeal. They have been nasty and rude. No one should experience the agony they have put me through. They are predators. This company needs to be put out of business for their unfair and unjust practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2019, I sent a payment of {$700.00} from an online Bill Pay service to Wells Fargo Dealer Services ( 'WFDS ' ) for an auto loan. On the memo line, I wrote 'Principal Only ' for the full amount to be applied to principal. WFDS received payment and applied {$400.00} to a regular payment and only {$290.00} to principal. No payment was due until XX/XX/2019 ( 2 months later ). 

On XX/XX/2019, I sent a payment of {$300.00} to WFDS. On the memo line, I wrote 'Principal Only '. WFDS received payment and applied {$300.00} to a payment variance. I was advised by WFDS that the amount was suspended to wait for the additional amount needed to make 1 full payment of {$400.00}. There was no payment due until XX/XX/2019 ( 2 months later ). 

On XX/XX/2019, I sent a payment of {$800.00} to WFDS and wrote 'APPLY TO PRINCIPAL ONLY ' in all caps on the memo line. When I checked my account online, WFDS applied {$400.00} toward a regular payment and only applied {$390.00} to principal. I called WFDS to inquire why the payments were not applied as indicated on the payment memo. The representative stated the memo lines are not accepted as it does not print to their spreadsheet when payments come in, so they apply the funds as a regular payment. There was no payment due until XX/XX/2019 ( 2.5 months later ). 
The only way I can get the payments applied correctly is to wait for the payment to post, call in to WFDS to reverse payment and have it re-applied. 

During the time it takes to discover the mis-application of payment ( if discovered ) and correcting the error, interest is accruing at a higher loan balance, all in favor of WFDS and to the detriment of the consumers. There have been multiple payments I have made towards the auto loan where I did not initially see how WFDS is applying payments. I have a year 's history of WFDS applying my payments as regular payments ( when payments are not due for months ) while they could have been used to lower the principal balance and the interests accrued to WFDS. I am just 1 customer ; however, the mis-application of payments could be harming the thousands of consumers who have auto loans with WFDS. The way WFDS applies payments is an unfair, deceptive and abusive practice.

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 2020-05-05
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have received a solicitation to apply for a XXXX XXXX credit card, which I did. After I applied I got declined by Chase with the reason of having too many recent accounts that were opened. This caused me to get a new inquiry on my credit report. If CHASE was going to decline me knowing this information already, then they should not have solicited me to apply for the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: SYNCHRONY FINANCIAL
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:
I noticed a new credit card appear on my credit report in XXXX with the title SYNC/PPC - after some research I found out it was Synchrony PayPal Credit Card that had been opened in XXXX. I did not open this card and so I called Synchrony to work with them as to a fraud claim. The information that was given was in my maiden name and at an address that I have not lived at in at least 15 years. I had no idea of the balance of the card or what it has been used for. The three credit bureaus removed it from my account and closed my dispute. On XX/XX/XXXX I received a letter from Synchrony Bank stating that they were unable to approve my fraud claim because : " You authorized, participated in, or benefited from the purchase. '' and " Payments have been made by you on this account. '' Neither of these statements from Synchrony are true. I have never authorized the use of a card that was fraudulently opened and I have never made any payments to an account I didn't know existed. I called Synchrony and they told me to get a Police Report and maybe they would re-open my claim.

I am extremely angry that Synchrony is holding me liable for {$3300.00} for an obvious case of identity theft and fraud. I have contacted the XXXX XXXX XXXX and will be filing a report but I also want Synchrony sanctioned as its obvious that they did not investigate the dispute properly and are now using my inquiry as to what this account was as an attempt to collect a debt not owed by 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 2019-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX continues to show on my credit reports. I have contacted the 3 major bureaus and XXXX and it continues to show. I closed this account with XXXX military orders in XX/XX/XXXX and it shows a balance that was not owed. I currently have an account with them also which makes no sense. Please remove the XXXX negative account from my credit report # XXXX. Thank you in advance.

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 2019-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I unfortunately became the victim of a check cashing scam back on XX/XX/XXXX19 due to a loophole in Bank of America 's check cashing system for long time customers, when a brother & sister approached me & asked if I bank with Bank of America, & after I responded yes, they asked if I could help them out & cash a check in the amount of {$4700.00} because the sister was desperate to make her rent ; sympathetically I said I don't think the bank will cash this, they'll probably put a hold on it ; I asked the teller if it if it would be ok to cash this check when I only had around {$50.00} in my account at the time, he told me it was without checking with anyone else there & that there wouldn't need to be a hold put in place. On XX/XX/XXXX, I had a notification that my account was overdrawn {$4000.00}, & the following day after my tax return had been direct deposited, my balance sits at - {$2800.00}. After getting a copy of the check on XX/XX/XXXX, which turned out to be stolen company check, I was told Bank of America allowed me to cashed it & didn't put a hold on it because I had been a long time customer ; I said I would be willing to pay this back but they said it would have to be for payments of $ 400+ every 2 weeks, in which I responded that I don't have any financial resources to meet that commitment. I filed a police report who were shocked that the bank allowed me to cash the check. I had to tell them it was because Bank of America said I was a long time customer & so apparently I can cash a check in a large amount without question. I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX, I finally received a response in a letter on XXXX saying that while they were sorry this had occurred, but due having signed a contract back in XXXX, they would deny my claim for reversing the fraudulent charge & that my account would be closed if it was still negative by XX/XX/XXXX. Now as a person who lives paycheck to paycheck, I don't have the resources to pay this back before this goes to collections without being financially crippled.

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 2018-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am a victim of identity theft. I tried to get the advertised annual free credit report from Transunion online. The page said there was technical difficulty. I tried calling the number on page. They would not get a look at the report. Going through other credit reports I found that my ID had successfully been used to get credit. I reported to FTC. I gave trans union report number. They would not and will not let me get an emailed report or online access to it. My ID is currently, actively being used to gain credit fraudulently. They will not help. They keep giving me numbers of people who, in the company claim they can not help me see the online report today, and always, always, want me to open account.

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 2020-01-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was checked my credit report and discovered a fraudulent account was reported by WELLS FARGO CARD SERVICES ( ACC NO : XXXX ). I contacted Wells Fargo Bank and credit reporting agencies and stated that this Wells Fargo account did not belong to me. Meanwhile, I filed the FTC Identity Theft Report and submitted this document to the company and credit bureaus. The XXXX, XXXX, and XXXX deleted this fraudulent account. After all, XXXX reinserted the fraudulent account back to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12
Company: JPMORGAN CHASE & CO.
State: CA
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 XX/XX/XXXX, someone illegally obtained the card of an authorized user on my account. They then spent roughly {$1200.00} at XXXX XXXX, XXXX, and XXXX XXXX. On XX/XX/XXXX, I noticed the fraud and immediately called Chase for protection services. During this call, they asked whether I had the cards. Either through misunderstanding or - more likely due to my XXXX - mishearing the question, I responded that I did. Subsequently, they denied the claim of fraud, and insist that I am responsible for the fraudulent charges. I have appealed the dispute multiple times with Chase, attempted to correct the record in terms of the erroneous information on the first phone call, and have even provided police reports related to the theft of the card from the authorized user, knowing full well that filing a false police report is a felony. Despite the evidence provided, Chase 's response is that there is insufficient evidence to determine the fraudulent charges were, in fact, fraudulent. Despite insistence that I am protected from fraud, Chase refuses to acknowledge that a card was taken and used for invalid purchases. When pressed, they insist the response to a single question on the initial call - which, I might point out, took place over the phone despite the fact that I am XXXX XXXX impaired - is the only factor leading to this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took a loan in the amount of {$750.00} dollars. I have already paid {$1300.00}, but have run into a financial hardship. Negotiations with the company have not amounted to anything. I am very frustrated that they are demanding the payoff in the amount over {$1500.00}. Every time I try to contact the company I do not get any information. Now when I log onto the site, I am no longer able to view my loan documents. I want to offer the Speedy Cash a settlement offer in the amount of {$250.00} which will bring the total amount paid on the loan to well over {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Recently I bought a house and applied a loan from Freedom Mortgage Corporation. The loan application was handled by XXXX XXXX XXXX XXXX. 
Initially the closing date was set as XX/XX/2019. XXXX XXXX XXXX XXXX locked my rate for 3 days. This lock expired on XX/XX/2019. In other words, the lock covers three days, namely XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. 
Later, due to the title company 's issue, the closing date was changed to XX/XX/2019. XXXX XXXX XXXX XXXX extended the lock from 3 days to 9 days. The new lock expired on XX/XX/2019. It  covers XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. Obviously, there is a 3-day overlap between the length of the initial lock and that of the new lock. I was double charged for the 3-day overlap in the closing disclosure. 
However, XXXX XXXX XXXX XXXX only reimbursed me the cost of 2-day overlap. I argued with XXXX XXXX XXXX XXXX but I was rejected. I file this complaint to get my money back. It is the cost of one-day lock and is {$68.00}. 
Thank you!

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 2019-04-12
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2018, 60 days late in XX/XX/2018, and 90 days late in XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: OneMain Finance Corporation
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I just found this all though I've been asking for a readout on my acct for more than a year. I have a false loan amount of more than {$8600.00} that apparantly I've been paying for now for 2 years. And also I had a wreck last year and instead of my car getting fix with my full coverage insurance One Main took my check to fix my car and cashed it without my consent. And it didnt close the acct. Out I'm still paying for a damaged car and I never got a loan for {$8600.00} I can prove this. They are also charging me 31 % interest so i am completely upside down on a loan i cant ever payoff for a damaged car they took the money for. And the kicker on that is the say the didnt cash it though i can prove they did. In total i did borrow over a 3 year period XXXX and am paying back {$24000.00} this is crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Experian Information Solutions Inc.
State: CT
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:
On XX/XX/2021 I saw that Experian had reported a collection XX/XX/2021. This collection went violated my HIPPA rights. I called XXXX XXXX XXXX on XX/XX/2021 they said acquired this debt from a medical facility.

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 2019-04-12
Company: BlueChip Financial
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
When I initially agreed to the loan, my understanding was that the monthly payment would be a lesser amount. However, when they emailed me the amount due each month, it doubled. Also, the total amount due on the loan equals out to be approximately four times the amount that I would owe. I borrowed {$600.00} and now I owe over {$2000.00}. I called to try to get the payment divided up to a lesser amount, but they advised me that I should stay with the contracted amount originally submitted to me. I am on Social Security XXXX, and at the present time, I am struggling financially to get this debt under control. Basically it has become a hardship for my house hold. Instead of a {$600.00} asset, it has become a burden. I have since been diagnosed with Multiple XXXX XXXX ( XXXX XXXX XXXX ). The cost of the medication that has been prescribed for me is somewhat expensive, but I need to take it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Capital Accounts, LLC
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: Was not notified of investigation status or results

Complaint:
Ran my credit report early XXXX XXXX Note a negative collection action placed on my report as of XXXX XXXX - {$680.00} CAPITAL ACCOUNTS , LLC o Collection was dated as active in XXXX, for services in MD in XXXX o I left MD in XXXX to move out of state Agency acknowledged they had received my letter and would send me letter Reached out to original creditor - XXXX XXXX, informed of {$570.00} debt and that theyd sent itemized bill to agency o Never contacted by collection agency, nor notification that collection would be placed on my credit report Sent let of dispute to agency letter requesting verification of letter of original debt XXXX/XXXX/XXXX, per Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) Called agency to request letter on XXXX/XXXX/XXXX Received itemized bill from original debtor XXXX/XXXX/XXXX and attempting to close out debt Have yet to receive any communication from agency regarding debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation