BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-09
Company: Santander Consumer USA 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: Was not notified of investigation status or results

Complaint:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Sandtander of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX   credit reportsXX/XX/2018 related to that fraudulent application. An official dispute of this inquiry was submitted certified mail with return receipt to Sandtander XX/XX/2018 and againXX/XX/2018 however in each instance Sandtander failed to reply to the status of the investigation and/or removal of the fraudulent related information from my clients credit report ( s ). This is a violation of the FRCA and my clients federal consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: PNC Bank N.A.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello! We called our mortgage servicer PNC Bank on XX/XX/XXXX and XX/XX/XXXX regarding doing a forbearance as my husband XXXX was currently out of work. We were told by 2 different PNC reps that we were approved to do a forbearance and if we chose to do so it would not be reported to credit bureaus as a late, missed or defaulted payment but it would only be reported that we were in a forbearance. Because of this, we agreed to move forward and do the forbearance. We got a letter saying we were approved. Today, XX/XX/XXXX, we received a letter stating that we had been reported to the credit bureaus negatively for a missed, late or defaulted payment. This is EXACTLY what we were told would NOT happen. We need this corrected IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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: Account status incorrect

Complaint:
I have disputed 3 unauthorized inquiries on my Transunion credit report. They are as follows : XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, and XXXX XXXX - XX/XX/XXXX. I sent certified letter and disputed online. They have not been removed. They are negatively impacting my credit score and increasing my cost of borrow. Please remove immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts to delete XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, DEPT OF EDXXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXXXXXX, DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: CA
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 disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Someone attempted to apply for credit using my name on XX/XX/2023, without my authorization. I have made several calls to JPMCB in an effort to obtain a fraud acknowledgment letter, but they have not provided it ( a week now ). XXXX has stated that they can not remove the hard inquiry from my credit report without this document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Credit 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 have been a GM cardholder since early XXXX. 

In XX/XX/XXXX, after attempting to replaced an expired card, my card never arrived in the mail, and approximately {$5000.00} in charges were fraudulently attempted with my card. GM resolved all but XXXX of them, XXXX for SQ WRECKER for XXXX and another for XXXX for XXXX. I first opened the dispute in XX/XX/XXXX, as evidenced by their first provisional credit. 

GM has rebilled me for a XXXX time as of XX/XX/XXXX. When I contacted customer service, I was told the evidence they have from these two merchants included my home address and a tracking number. As the cards were clearly lost or stolen in the mail, this is not a surprising find in my opinion.

In addition, the dispute was more than 90 days old and should have been fully resolved.

I have attached a recent discussion with one of the customer service representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: WSFS FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
We are attending court tomorrow ( XX/XX/19 ) on a order to show cause. Wilmington Bank vs. XXXX XXXX. XXXX County Court House, XXXX. Wilmington Bank is claiming that they bought a note of my property from XXXX XXXX XXXX. Wilmington Bank filed a foreclosure proceeding. To my recollection the loan on the property was paid off years ago.

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 2023-07-21
Company: Affirm Holdings, Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I received a notification on XX/XX/XXXX from Affirm informing me that they had locked my account. When I spoke to a Customer Service Representative, they said, my account was locked due to suspicious activity. The rep asked for identification information, first and last name, address and social security number. The representative informs me that affirm will email me the next steps. On XX/XX/XXXX, I receive an email with a link from affirm to submit my Driver License and a live picture of my self. The email states that the security and fraud team reviews results 1-4 business days after submitted. Since XX/XX/XXXX, no one from Affirm has contacted me. Ive called customer service by phone on : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. Ive emailed them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have never received a reply. The email address they provide to consumers is : customercare @ affirm.com. Every time Ive called Affirm its a struggle to understand them as most speak a different language than XXXX. I have been told over and over again I cant help you, the appropriate department is processing your case, your account was compromised. I have been told that it should only take XXXX business days to resolve. As of XXXX, its been beyond the time frame. In addition to, I have to make my payments over the phone due to not having access to their website or the app. I feel that I am not being treated fairly. I am the consumer and if indeed theres a security and fraud issue on their end, with their system of support, I should not be denied access to my loan accounts. I am not able to view any information including personal information that I have provided to affirm when opening an account in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act XXXX  act # XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-07-21
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:
I want to inform the 3 Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On my XXXX report this doesn't appear, I have the same creditor and they are charging me from 3 different companies.And the amount keeps getting higher. Can this be done? Because i have read on your page it is called double jeopardy. I had insurance. And if my insurance did not pay i was not aware of it. 

COMMONWEALTH FINANCIAL SYSTEMS Last reported : XX/XX/2018 {$1800.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$1800.00} Highest Balance {$1800.00} Opened XX/XX/2018 ( 1 mo ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Last reported : XX/XX/2018 {$1000.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$1000.00} Highest Balance {$1000.00} Opened XX/XX/2018 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX  XXXX XXXX XXXX XXXX XXXX XXXX COMMONWEALTH FINANCIAL SYSTEMS Last reported : XX/XX/2018 {$940.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$940.00} Highest Balance {$940.00} Opened XX/XX/2018 ( 1 mo  ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Jacob Law Group, PLLC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am in a payment arrangement with Jacob Law Group in XXXX, MS . Calling to make payment results in degrading conversations and an insult to my intelligence. I have repeatedly tried to speak with management to no avail. I have also spoken with the Justice Court Judge involved in the matter. Nothing has changed the behavior or tactics of this Collection Agency. Their treatment of individuals is cruel and inhumane. I should not be humiliated just because I am honestly and legally trying to pay off a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection company NATIONAL CREDIT SYSTEMS , INC has been charging me for a while now the amount of {$2200.00} and I have just been sent an offer to pay half {$1100.00}, for a concept of a debt of XXXX XXXX XXXX, ( in XXXX ),, The problem is that I have never lived in these apartments or have any debt to them ( I have been living in my house since 2008 ) I contacted NATIONAL CREDIT SYSTEMS and they told me to send them my credit report and copy of my ID,, but I did not do it because I do not want to give you more data to reinforce this erroneous collection,,, when I spoke with them they mentioned a date of birth that does not correspond with mine, " so I suspect that they do not have my correct SS, BUT THEY ARE AFFECTING ME IN MY CREDIT XXXX  SCORE ( in the other 2 credit bureaus this debt does not appear ),,, They only have my name and with it they took my address to try to collect a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE 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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.

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 2019-08-15
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received a letter XX/XX/XXXX stating they were collecting on behalf of a Dr that I hadn't heard of and if within 30 days I didn't respond they would  report it to the credit bureau. 
I called the hospital to find out who this Dr was and why it wasn't paid with the hospital bill and didn't get an answer. While I was trying to find out who and why I was charged with this bill on Th first of XX/XX/XXXX they did tag my credit report. They didn't wait 30 days as the letter stated. I paid it in full and said I will do my own investigation and told them they were not fair by not waiting 30 days to let me investigate and they admitted the error. I asked they would remove the delinquent remark on my credit report they said they would and also would give me the original bill so I could find the Dr and the charge. To date 10 days later there hasn't been any change to my credit report or have I received the original bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This original creditor was XXXX and it was fraudulent in the amount of {$920.00} .I 've made several attempts to resolve this issue by providing them information that I was not living in the dwelling when this account was being used. The account kept coming back on my report after I would dispute it. I became so frustrated that I hired a law firm to help me with this fraudulent account last year XXXX. To my delight the account seemed to be finally removed from all credit bureaus. On XX/XX/XXXX I received an alert that a collection agency ( EOS CCA ) must have purchased this file and it has again erroneously affected my credit in a negative capacity. I left this account alone for a year or so because every time I would dispute it, it would pop back on my report and drop my score 30 to 40 points as I continued to rebuild my credit, now it pops up like a new account. This should be illegal for anyone to be able to do this!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have 2 Home Equity Loans with PNC. The payments are due on the XXXX of each month : {$660.00} on the primary and {$39.00} on the second. 

On XX/XX/18, I realized the auto-payments through PNC 's online payment transfer system did not occur on XX/XX/18 or XX/XX/18 as I had expected. I did not get a call and, since I use a separate checking account for loan payments only, I did not notice I had missed 2 payments. Once I did, I called customer service, went to the bank, etc., etc. I was told they would investigate the problem. 

I made 4 separate payments on XX/XX/18 ; two of XXXX and two of XXXX. I then made both payments on XX/XX/18, bringing my loans up-to-date. Eventually, I was informed that the investigation found that there was nothing wrong on the bank 's end and it was determined that I must have canceled the auto-transfers in XX/XX/2018. I was told it would not be reported to credit bureau. Since I didn't have any proof to argue that I did not cancel my auto-transfer, I moved on and continued to monitor my accounts online. 

Once I was up-to-date after the payments on XX/XX/18, I set up the auto-transfer online again except I changed the amount and frequency in hopes to get ahead on my loan. I set up bi-weekly payments of approximately half the amounts due XXXX {$330.00} and {$20.00} ). I ensured the payments would be paid so that the total amount due was paid before the XXXX. 

Therefore, on XX/XX/18, payments for XXXX and XXXX were paid to the loans. Then, on XX/XX/18, two more payments of XXXX and XXXX were paid to the loan ; total paid was XXXX and XXXX - made before the actual due date of XX/XX/18. Then on XX/XX/18, I got a call from PNC 's debt collection, informing me that I was behind on my payments by half. I went through each payment with the representative. She told me she could see that payments had been made and the accounts should not be showing as behind. She told me she would " put in a ticket '' to have it resolved and I should just keep making my payments as I had them set up. 

Also on XX/XX/18, payments of XXXX and XXXX were automatically transferred from my PNC checking account to the loans. And again, on XX/XX/18, two more payments of XXXX and XXXX were made - again totaling XXXX and XXXX, paid to the accounts before the due date of XX/XX/18. Then, on XX/XX/18, I got ANOTHER call from PNC 's debt collection department, telling me my accounts were both past-due. I attempted to go through each payment with the representative but this time she told me there were no payments made in XX/XX/2018. 

I have no idea what the problem is but I need it to be resolved, I'm sick and tired of having to deal with this every month!

Company response to consumer: Closed with explanation