BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Executive Office Chase Bank Mail Code XXXX XXXX XXXX XXXX XXXX 
XXXX OH XXXX Thank you for your letter dated XX/XX/XXXX in response to my complain to Consumer Financial Protection Bureau on XX/XX/XXXX. 
On XX/XX/XXXX my account balance was {$15000.00} and I was very careful not to withdraw from this account because I would have lost my bank credit of {$200.00} if I did so before 90 days. 
On XX/XX/XXXX I went to the branch in XXXX XXXX and deposited enough cash to bring my son 's account ( ending in XXXX ) balance to {$15000.00} in order that he also receives {$200.00} credit. I received statements from the teller that both of us had {$15000.00} in our accounts ( see attachment ). My account was ending in XXXX Our account balances stayed at {$15000.00} until XX/XX/XXXX but all the sudden on XX/XX/XXXX there was a {$3800.00} withdrawal from my account ( ending in XXXX ) without my authorization. 
Your explanation on your letter dated XX/XX/XXXX is so complicated that I have problems understanding it but even if there was a withdrawal of {$3800.00} from my account on XX/XX/XXXX because your computer did not deduct from my account you are responsible for the confusion because otherwise I would have deposited the right amount on XX/XX/XXXX to bring my son 's account to {$15000.00}. However I have lost {$3800.00} due to your computer error. 
On page 2 of your response you are stating that " If you did not intend for the total amount of {$7300.00} to be posted to your son 's account, you may wish to resolve this matter directly with your son. '' My response to your above statement is : this is your responsibility not mine.
Sincerely Yours XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Experian Information Solutions Inc.
State: AZ
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:
I submitted 2 letters two Experian advising their reporting a collections account that is not mine. It is over 30 days and still no response of verification. 

Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection

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 2018-08-13
Company: Pacific Union Financial, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a payment to XXXX XXXX Mortgage that was drafted from my XXXX checking account on XX/XX/XXXX in the amount of {$4700.00}. Pacific Union is stating this was return for Non Sufficient Funds. However, the money was drafted from my account and I am attaching my checking account statement that proves that the money was indeed drafted and never returned. The funds have not been returned to my checking account and have not been applied to my mortgage. I have called about 20 times and get a different answer every time I call. I opened a complaint with the XXXX and Pacific Union replies with irrelevant information such as previous payments, current  balance, etc. I supplied them with the same checking account statement I am providing during this complaint and it clearly shows the funds were taken out of my account and not returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CARRINGTON MORTGAGE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My XXXX  request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a car from XXXX XXXX in XXXX XXXX XXXX and the car was financed to a fraudulent claim from Santander Consumer USA. I have been paying month 1 without, any missed payment or even late. I made {$2200.00} on the capital they don't make the appropriate corrections. All my claims stayed in a deaf hear. 
What can I do

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Byrider Franchising, LLC
State: SC
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:
I have been filing disputes with the credit companies as well as with the company itself in regards to CNAC attempting to sabatoge my credit standing by re-aging a debt. I have pulled all three of my credit reports multiple times this year, and they are reporting a different date for the last payment to each different credit company. When I reach out to anyone, they all keep saying the account information is accurate. How can it be accurate if you are reporting something three different ways? I am prepared to seek legal action if this account can not or will not be removed from all of my reports. This is blatant disregard of the law. Re-aging debt, as listed under the Fair Credit Reporting Act is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XXXX 2017 I received a offer from american express for a Delta SkyMiles credit card. The promotion said use the credit card to make a travel with Delta Skymiles and I will received XXXX $ of credit in my Account. Unfortunately, after 5 month I do n't received my credit and now in my account I must to pay this balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX,2018 I was doing my taxes when I noticed an Altered check on my Bank Statement. That very day I went to my local ChaseBank and submitted paperwork regarding the check/incident. That very day I also went to the XXXX County NY XXXX Precinct Police Station and filed a police report # XXXX. 

I followed up with Chase over the phone and multiple times I faxed them affidavits in that they required and multiple times they lost the paperwork. Finally my signature went through after months of following up. I did not receive any written notice/acknowledgement of any kind. They said my claim would be determined 90 days after the affidavit. Because they didn't acknowledge receipt of my first fax that decision date became XXXX as the 90 day mark. Again no letter or correspondence. I finally get their claims department on the phone they tell me there is no claim on my file. I insisted there is and now they say my CLAIM IS DENIED. it is denied because of my time frame. they said I only had 14 days to make a claim from the day the money was withdrawn because it is a business account. they told me its federal law and has nothing to do with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
For more than 7 years the XXXX at Wells-Fargo have arrogantly refused to listen that it's impossible for us to phone an 800 number within the US from another country. While this is unbelievably stupid, it's also cruel, especially when one 's finances are involved. They have made me suffer for more now than 7 years. 

I HATE THEM, I'M SICK OF THEIR ATTITUDE OF SHUTTING OFF ACCESS TO MY ACCOUNT THEN PLAYING SICK GAMES DENYING ME ACCESS TO MY MONEY SO I CAN LIVE. 

THEY MUST BECOME PROFESSIONALS AND LISTEN TO, AND HELP THEIR CUSTOMERS.

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 2017-11-17
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I like to inform the CFPB on the three major credit bureaus in this case my Texas Repossession Right has been violated. Under Texas Repossession Law the past owner of the car must be notified and given an opportunity to reclaim the car. The past owner of the car must also, be given the opportunity to attend the sale of the car. The past owner should be able to retain all belongings left in the car as well. If there was a deficiency balance the past owner should get a letter in the mail for that as well. In my case, the car was sold and I was not notified of the date, location, or time of the sale. In this case, based on my Texas Repossession Rights, I have been violated. At this time I like to make this known and looked into. Also, I do n't owe any money to the lender after the return of the car. This vehicle was a lemon car and should have never been sold to anyone.

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 2020-05-01
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:
In its complaint, the FTC alleges that Equifax failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: ID Analytics, Inc.
State: IN
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:
On XX/XX/XXXX, I received two identical letters from XXXX XXXX XXXX thanking me " for applying for XXXX XXXX XXXX communications or entertainment services '' for which I have not applied. It also included a very low " XXXX XXXX XXXX credit score, '' based on information from the credit bureau SageStream LLC. I have had XXXX XXXX XXXX mobile service for years, my account is in good standing, always paid in full. However, I have not applied for any additional services. I checked my free annual credit report and did not see anything related to this. 

The letters seem suspicious to me for several reasons : they do not identify which service was applied for, I had never heard of SageStream LLC, and I have not applied for any services. 

On XX/XX/XXXX I called the XXXX XXXX XXXX Global Fraud Management Organization at XXXX ( listed on their website ). The representative said there have been no applications with my SSN. She had also never heard of SageStream LLC, did not know why I received the letters, and told me to disregard them. 

I searched for information about SageStream LLC, and found many reports of experiences similar to mine. I am not willing to contact SageStream LLC and provide them with any of my information, because it seems that they are a scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: Experian Information Solutions Inc.
State: MS
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 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 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 been sending letters to the bureaus. I have received no updates or letter from them regarding my credit. I have been disputing accounts for about 8 months and again nothing has happened. I will attach letters I sent over but there have been several more.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Braviant Holdings, LLC
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I keep receiving offers to apply for loans. I have not been able to opt out or stop the unsolicited offers. I have put a freeze on my credit. The last mailing was dated XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing this issue since, XX/XX/2021 the credit bureaus is not responding to this issue. i have sent in letters for months. The information that is present on my credit file is not correct. They always say accurate are verified. I need to see documentation of these accounts in question, with original signature. They can not provide me this information. I want these accounts deleted from my credit file within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: SUNTRUST BANKS, INC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
It started by them tell me I did not have to make a payment until after I graduated, which was a lie I had to start making payments before I graduated college, not able to meet the required payments I got small jobs that I could work around my classes just so I could make a payment, While I made these small payments. I received harassing phone calls from them telling me I needed to make a payment. My loans are not put together for one lump sum payment, so I have to make multiple payments each month to different loans. They were all through XXXX XXXX XXXX I have been sold out to different loan companies while I was making payments and no one will send me proof of my original title. They have also sent me to court while I was making payment to them. Since I did n't know my payments were n't be shared I am now paying through collection agents and to a lawyer on two of the four loans. They keep going up on the amounts owed each month, so it is continuing getting harder to meet the required 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 2019-05-21
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I sent certified mail several qualified written requests for proof of debt as of XX/XX/2019, I have evidence that ALLY BANK is not the owner of the debt. I was ignored, and they did not respond, I then sent a declaration of fraud. The vehicle has since been repossessed on XX/XX/2019 and reported the credit reporting agencies. 

I am requesting the perfected instrument of debt, that ALLY BANK is the rightful owner of the debt, and I will pay the debt in full. 

I have not received any official documentation of the sort to date. I have evidence of all the written and final written request and repossession.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Experian Information Solutions 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:
Ive been a victim of identity theft for the last 5-6 years and its been a ever lasting nightmare ... Ive lost my drivers license, identification card along with my home being broken into. My passwords have been compromised. I just need this end. This XXXX XXXX account I have no recollection of and needs to be removed. Ive submitted a full police report, FTC report as well as contacted XXXX XXXX and they can not tell me who actually started this agreement. I have yet to obtain any documentation of importance. 

XXXX XXXX XXXX XXXX Account numbers, opened XX/XX/2016 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 2019-10-08
Company: Factor Trust
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I have continually request to be opted out of these unsolicited offers to apply. I put a freeze on my credit. I am offended that my information is being shared in the first place. I did not request to be contacted or directly agree to my information being shared. When I opt out of one, two more are sent. It's like cutting off a head of hydra. I would like all offers to stop and not repeat under a different name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX  sold my contract to XXXX XXXX XXXX. XXXX was in the middle of fixing the known issue with the fire tax payment, they are not supposed to be paid from escrow. 
My property taxes are due XX/XX/XXXX. I contacted XXXX on XX/XX/XXXX and told them my city taxes were not paid. They said they would look into it because they had XX/XX/XXXX as the due date. They sent me a certified letter saying that they were correct. I contacted them again on XX/XX/XXXX as my taxes were still not paid on XX/XX/XXXX. They eventually got paid by XX/XX/XXXX. The other issue is they are not supposed to pay my fire tax this is a utility tax. They think it is still my property tax and it is not. If they were going to pay all my utility taxes they would be paying the sewer tax and all my motor vehicle property tax. This is what XXXX XXXX was in the middle of fixing before they sold the whole contract over to them. I contacted XXXX three times to try to fix this. Their customer service is unresponsive and incompetent. I have put in a complaint to the XXXX XXXX XXXX only to have them keep saying that they are correct and I'm wrong. I had to pay back to my escrow account {$420.00} back to XXXX XXXX to make sure my escrow account was not below balance.

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