BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-14
Company: Santander Consumer USA Holdings Inc.
State: TN
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:
Auto loan was for XXXX I was in good standing with the loan company for 51 months making monthly payments. 

Account charged off for XXXX which is more than the balance that i owe. 

The company is reporting incorrect terms of 84 months on some credit reports and then 81 months on other credit reports. 

My contract is a 72 month term. The charge off amount should be the amount that i owe on the loan according to the date of the last payment. 

Each month the company is reporting a different past due balance. 

Starting XX/XX/XXXX past due balance reported was XXXX XX/XX/XXXX reported twice to credit agencies a past due balance of XXXX and XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX Company states the last payment was maybe in XX/XX/XXXX Date of XXXX delinquency reported as XX/XX/XXXX Amount charged off is higher than the balance that i owe Amount charged off is higher than what the original loan was for I have disputed and asked for payment ledger without any response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: EQUIFAX, INC.
State: CT
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:
1., XXXX never furnished proof of purchases With Over 5000 of fraudulent charges. This account was a result of fraud and not mine credit. 

XXXX provides a letter in XX/XX/2018 stating that they were unable to verify charges and purchase. 

I never open account with XXXX .A copy was also sent to credit agency and it was never removed item.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had fraud on my credit card account and citibank closed my account. I submitted several fraudulent charges for dispute. One of the charges was XXXX, and their security team had left me a message that they had confirmed fraud on my account. Other charges included a company named " XXXX '' that we have never heard of. These were all out of state charges. I received a letter from citibank that they had concluded their investigation and were not reversing any of the charges. They suddenly put about {$440.00} dollars back onto my account with a threat that if I did not pay, they'd report me to crediting bureaus. 

Their letter did not include any documentation proving that the disputed charges were valid. 

I contacted citibank 5 times since then requesting that they reverse those charges. I also requested that they send me documentation proving the disputed charges were valid, as they are required to do. They said they would get back to me if needed and never sent any documentation. I called their security department they told me to call but was placed on hold and then disconnected on. No one ever called me back. I have run out of options.

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 2020-05-27
Company: DISCOVER BANK
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Around XX/XX/XXXX or XXXX my teenager son son wanted to buy used XXXX headphones he saw advertised on app called XXXX & started talking to XXXX XXXX the seller. The seller was telling my son to use XXXX to pay him & when I asked my son why cant you pay him through XXXX he said seller cant accept payment from that up. I got a bad feeling about this whole transaction but I agreed because my son was very excited about getting these headphones & he has XXXX so I help him with purchases. Now I had messages on messenger with the seller & he got paid through XXXX & he said he would send the tracking but never happened & he ignored messages. Now I disputed the transaction with XXXX and now XXXX rejected because theyre saying we violated the XXXX policy by paying a vendor through friends and family so theyre blaming us & rejecting the claim. The crook got paid & we are out of & {$100.00}. Our credit card company Discover is not protecting us and XXXX is taking sides with the crook who swindled us & we broke the policy. First able when we made the payment through XXXX we didnt know XXXX was involved and XXXX didnt show the details of the transaction. Now both Discover & XXXX is rejecting this online scam as treating it as its our fault & we are liable for the payment. XXXX also didnt help by saying its friends & family transaction. I asked them to investigate this guy and report him to authorities & I doubt they did anything. I dont want to be resposible for this charge & I want it taken off my account. This is an online scam & he is praying on people like my son who has XXXX. Plus not everyone out there knows these apps like XXXX or sending money on XXXX is like cash where there is no tracking it or crooks like this use it to their advantage. XXXX and Discover dont offer any consumer protection when scams like this are going on. Im sure we are not the only ones. Plus XXXX & XXXX charged around {$4.00} in fees which Im sure there is insurance that protects them during fraud cases. Im out right now {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: SELLING SOURCE, LLC
State: NY
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 am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. After the identity theft several accounts were applied for and/or opened in my name without my knowledge or consent. I filed a police report and have attached a copy of it to this complaint. I ordered my XXXX  report and found the inquiry below which was not authorized by me : XXXX XXXX on behalf of XXXX XXXX DATE : XX/XX/2015

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 2018-10-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
To '' ATTENTION CHASE CREDIT CARD MANAGEMENT OFFICER_ FRAUD ACCOUNT NUMBER ENDING.. XXXX as of XX/XX/XXXXat a previous residence in the state of GA. WHEN I WAS IN BRANCH ON XX/XX/XXXX ; I WAS ADVISED DURING THE OPENING OF A PERSONAL BANK ACCOUNT WITH CHASE THAT I HAD A PROFILE WITH THIS " SLATE '' CC WHICH WAS WRITTEN OFF IN THE YEARS BTW. XX/XX/XXXX/XX/XX/XXXX? UNCERTAINLY I HAVE NO KNOWLEDGE OF THIS ACCOUNT AS REPORTED TO XXXX ON XX/XX/XXXX. I HAVE BEEN ASKED TO WAIT AT LEAST 90 DAYS FOR COMPLETE REINVESTIGATION. IN THE MEANWHILE, I HAVE NOT RECEIVED THE LETTER DOCUMENT OF STATEMENT ABOUT THIS AT MY CURRENT ADDRESS ON RECORD ''. 
CONSEQUENTLY, I WAS DENIED A FREEDOM CHASE CC BECAUSE CHASE IS LISTING A VERY LOW CREDITSCORE W/ ENROLLMENT AS I HAD LABOROURED TO ACCOMPLISH A CLEAN SLATE THAT IS NOT REFLECTED HERE WITH THESE ACTIVITIES ''. 
" ADDITIONALLY, I HAVE BEEN ADVISED THAT MY NEW ACCOUNTS ARE UNDERGOING CLOSURE AFTER OPENING ''. CAN YOU LOOK AT THIS MATTER INFLUENCING MY FINANCIAL BANKING RIGHTS TO MANAGE MY MONEY WITH A BANKING INSTITUTION, NAMELY CHASE BANK, J.P. MORGAN ''. 
FRAUD COMPLAINT TO CORPORATE MANAGEMENT, CHASE BANK :. " MY DEBIT VISA CARD ... .HAS BEEN CLOSED TO TELEPHONE BANKING. IT IS LINKED TO MY PERSONAL ACCOUNTS. I WAS ADVISED THAT ALL ACCOUNTS AND DEBIT VISA CARDS CLOSED AFTER UNDERGOING REVIEW '' ..IS THERE ANYTHING THAT CAN BE DONE ON MY PART. I PREFER TO KEEP THIS ACCOUNT ACTIVE. '' " Consequentially I was declined a new " CHASE FREEDOM '' CREDIT CARD UPON A XX/XX/XXXX APPLICATION BECAUSE OF PREVIOUS AND CURRENT CREDIT SCORE and other factors ... .. '' I have needs to utilize my account with debit card. I was advised by telephone lost agent that my account was closed after undergoing a review. I am not in receipt of any such alerts or mailed document. 
I am not understanding if both the checkings ending..and savings account ending ... ..? What about my online access to this messaging feature, would I be able to continue online access? The card ending in ... is linked to these accounts and is it the card that needs replacement?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, 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:
XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint Date opened XX/XX/XXXX Status Open. {$790.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$57000.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$1100.00} Original balance {$62000.00} Highest balance {$0.00} Terms 72 Months

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My credit file shows a collection from your agency. I was never notified of this collection. Also, I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX, Wells Fargo Bank offered a forbearance to customers due to the COVID-19 pandemic. My wife lost 100 % of her income as a XXXX XXXX due to the pandemic so we regrettably decided to take advantage of Wells Fargo 's program to defer 4 payments until the end of our mortgage repayment schedule. Everything was smooth for the 4 month forbearance and we began making regular monthly payments again XX/XX/XXXX. WF sent a notary to our home for us to sign off on the deferment of the payments. We completed this paperwork XX/XX/XXXX and were told that processing time due to high volume was 2-4 weeks. We continued to make payments only to realize via our online portal that the payments weren't being applied to our mortgage, but rather sitting as " unapplied funds. '' At the direction of WF customer service, we authorized these payments to be applied to the mortgage balance. Each time a representative applied the funds, a couple days later WF would reverse the payments. This has occurred every month since XXXX, now nearly 6 months later. My wife and I have now made more than 3 dozen calls to WF spending over 4 hours of our time trying to straighten this out. The claim has been escalated to the " Executive Office '' with the only explanation to us being that there is a " system issue '' with the settlement department. We've been told numerous times that the problem was nearing resolution, only to be deferred further. Our most recent contact XX/XX/XXXX, WF once again deferred resolution until XX/XX/XXXX. We need a resolution to this issue before then, as our account is now reflecting 4 months delinquent, despite our monthly payments being made.

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 2020-05-27
Company: Experian Information Solutions Inc.
State: AL
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:
On XXXX Experian was sent a Method of Verification letter via certified mail on a Bankruptcy reporting on my credit report. I filed a complaint with the CFPB ( XXXX ) because Experian didn't respond within the 15 days required. A copy of my DL and power bill was sent in this original letter and they came back and asked for it again. 

Experian responded that they didn't think I directly made the claim, but they still never responded. I didn't make a claim, I simply asked for a method of verification. 

Experian did respond to my disputed student loans but never addressed any concerns about my identity in that letter and they received them at the same time. The neglected to address the hard inquiries on that letter as well. 

I'm asking Experian to delete the Bankruptcy because the failed to respond within the 15 days required by federal law nor did they deny that they received the method of verification letter. And I'm asking them to delete all hard inquiries that are not connected to a account that I'm responsible for on my credit report because they didn't investigate my dispute on the inquiries. Some are listed several times on the report. 

The problem I have with this whole is when a company reports to the credit bureau, they have no problem destroying your credit without proper identification, but as soon as a person decides to fix a negative account needs to prove who they are! Please delete the bankruptcy and the hard inquiries that you decided not to investigate.

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 2020-05-27
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The following creditor did not contact me nor did they send me statements on my promotional purchase XXXX via XXXX XXXX. In both XX/XX/XXXX and XX/XX/XXXX they marked my payments as late. XX/XX/XXXX specifically - was the date that no statement or invoice was sent and I was not contacted. I had no way of paying this debt due to a lack of information provided. In XXXX, I contacted them - because I noticed on my credit report that they had filed a Late Notice in XXXX. I paid the debt in FULL and was reassured that they would not mark the account as LATE. Simply Closed. 

How is a consumer supposed to pay a creditor if the creditor does not send statements? 
I never receive email or phone calls despite the fact that it appears they had this information. 

I suspect because this was a promotional period whereby no interest or fees were supposed to be assessed, that they intentionally did not make good faith efforts to contact me. 

I believe that Barclays Bank engages in behavior willingly and knowingly to defraud customers and make them ineligible for the promotions that they sell. 

I will never do business with this bank again and suggest that others do the same. 

Barclays Bank XXXX XXXX  XXXX XXXX, DEXXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: BROKER SOLUTIONS, INC.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
New American Funding Corporate Office : XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. 

Was my loan servicer for a VA loan, I was credited by the seller for 11 months of property taxes at closing to keep me from having to fund the escrow account for the taxes for 2021. In the state of Illinois I am exempt from property taxes as a 100 % XXXX vet. XXXX XXXX knew this, they knew this as they did not factor taxes into my escrow only insurance. My exemptions have been filed with XXXX XXXX and provided to new XXXX, however they have added an additional payment of XXXX a month for property taxes I do not legally owe and they know this. 
My loan number is XXXX, I have made my payments as agreed upon when I bought the house. But no one can explain where the money I was credited for property taxes for 2021 went to. I was a VA loan so that limited what I was required to bring to closing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: Bread Financial Holdings, Inc.
State: NV
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 kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am XXXX XXXX XXXX. On or about XX/XX/2018 I made a bank transaction at Wells Fargo Bank at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I made a withdrawal for {$3000.00} and signed a withdrawal slip for that amount and gave it to the teller. I received {$3000.00} cash. I noticed my account was overdrawn XXXX the next day. I immediately went to the bank the next day to inquire. The bank stated this was some sort of correction and stated he could not say what it was. I then contacted the resolution department and they started an investigation per XXXX. The bank then stated that I was given {$5000.00} not {$3000.00}. This is not correct. I was only given {$3000.00}. Why would the bank give me nearly {$2000.00} more than was available in my account? I only received {$3000.00} and that is all I signed for. I have been waiting for a return call from the branch manager for 5 days. 
I can be reached at 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 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX is being reported on my credit report my this account was opened by another person not me I was compromised by the XXXX breach and I believe this was opened at that time this was not opened 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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX Balance Owed : {$30000.00}.

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 2018-10-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with fraud alerts or security freezes

Complaint:
I disputed this account with JP Morgan Chase Bank several times and each time I was asked to provide additional documents to support my fraud claim. The last dispute I submitted was refused because I had someone as my power of attorney and JP Morgan Chase Bank wanted me to provide them with the power of attorney document which I did. It's been over 60 days since I submitted my power of attorney document it's been over 120 days since I filed my initial dispute and JP Morgan Chase Bank is still reporting erroneous negative Information about me to all three credit bureaus. It's bad enough I was a victim of fraud and I'm being dragged through the mud trying to clear my name. I feel like I'm getting the run around and that JP Morgan Chase Bank does not want to remove this negative incorrect Information from my credit report, they also have not responded to me in regards to my power of attorney documents I sent to them by certified mail. I do know that the statute of limitations have expired for JP Morgan Chase Bank as far as how much time they have to respond to a dispute. At this point they are disregarding all types of local and federal laws by disregarding all of my civil liberties. JP Morgan Chase Bank allowed someone to open an auto loan using my identity at a used car dealership that the owner of that dealership was convicted in Federal Court on Fraud charges stemming from his dealership. My next attempt will be a legal one, I'm tired of getting the run around by JP Morgan Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: DISCOVER BANK
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Attempting to pay the mortgage in full and servicer is charging a penalty. 

Closing disclosure ( attached ) says there is no pre-payment penalty. 

Servicer is now telling me that the fee is a 'cost reimbursement fee ' if I pay the loan off before a certain date.

Company response to consumer: Closed with explanation