BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-22
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I obtained a auto loan through Santander Consumer USA, and made my first payment on or about XX/XX/XXXX. No principle dollar amount of the loan wasnt deducted until XXXX of XXXX. They still continue to mis apply payments to my loan. They are currently being sued in a multi state lawsuit for unfair practices, and at this point I am not part of the lawsuit. My interest rate is 24 % and the loan is just in my name. With my current loan payments, mis application of payment distribution, my interest rate and other miscellaneous factors Ive been harmed. I still owe about XXXX for a vehicle that is worth XXXX. I can not sell or trade the car in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
JP Morgan Chase Bank, NA attempts to collect payments on a loan it does not own and knowing it does not have the rights to transfer any loans because only the owner or beneficiary is allowed to under the law. Chase broke the law by falsifying assignments by pretending to be the successor in interest to original lender who went bankrupt.The falsified assignment was also signed by a known ROBO signer claimed to be an officer of CHASE The undersigned complainant has asked multiple times for " Chase '' to identify the owner of the note and Deed of Trust which this complainant had entrusted to the original Lender in XX/XX/XXXX. Chase continued to stonewall avoiding to disclose said information to homeowner. Homeowner intended to payoff the alleged debt as soon as Chase can identify and verify the current Holder in Due Course of Home owner 's loan. Instead, Homeowner is threatened with foreclosure. On XX/XX/XXXX Home Owner sent letter to Chase asked again for QWR regarding current owner and beneficiary of the " Loan Homeowner signed, Chase not only ignored receipt of said request, did not bother to response within the 30 day given and transferred the servicing to XXXX. with an effective date of XX/XX/XXXX. Homeowner followed up on XX/XX/XXXX with another letter to CHASE asking for the awaited response under TILA/payoff, CHASE continued to stonewall. Home Owner eventually received a letter from XXXX on Friday XX/XX/XXXX confirming the transfer of servicing. WHILE Chase had previously scheduled Foreclosure Auction for XX/XX/XXXX. Under CA BILL OF RIGHTS A Servicer is required to disclose the owner of the loan prior to any such action. Apparently CHASE does not think it apply to them. I have copies of those letters should you need them, I will have to black out some information before I send to you. CHASE should not get off the hook for their obvious wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Afne and a man XXXX keep calling about a bill i do not owe them. 
Ive asked communication to stop. it needs to stop. 
No phone calls no mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
A credit card was opened in my name, without my knowledge some time in 2012 after my father and I visited a local branch and opened a student checking and savings account when I started college. I'm told this was done on line and that it was used for on line purchases. What complicates things is my father 's cell phone was used to set up the account and when he got calls and bills in the mail he made minimum payments thinking he was helping me. when I told him I never had a card he stopped. At that time, we began calling and writing to get this resolved. We have been unsuccessful and Wells Fargo isn't being forthcoming.

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 monetary relief
Consumer complaint received 2017-08-04
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I opened a Sears card 10 years ago ( XXXX ) and lost control of the debt due to hardships. I eventually moved from XXXX to XXXX to start my life over. When my career started to take a positive turn I contacted the credit report agencies to find creditors listed so I can start clearing debt but there was only new cards and student loan debt present. In XXXX of this year my employer informed me that they received a notice from a marshal ( XXXX XXXX ) to garnish my wages and I immediately assumed it was from student loans. Upon contacting DOE, XXXX, and XXXX XXXX, I was informed that the garnishment did not come from them and I was up to date. When I found out who the marshal was he told me that the judgement was from Sears and I had no idea. I called for an official balance and was given misleading information as to the amount. After months of suffering in wages I called again only to find out that after paying over {$2000.00} since XX/XX/XXXX that they intended to take over {$1800.00} more from me without a statement of payments or balance. This is has been hurting my family because I am a single mother of a XXXX XXXX old and we are truly suffering at the hands of a 10 yr old charged off debt that I feel could have been resolved in a fair way. There must be a statue of limitation on these things.

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 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Billing dispute for services

Complaint:
On Wednesday XX/XX/2020 at approximately XXXX a charge was posted to my account from TU*Transunion for {$19.00}. I was asleep at the time of the posting of this transaction. I didn't discover I had money missing until around XXXX that evening. I looked on my account debits and saw this, then, not knowing who or what Transunion was, I looked them up online and called their number to explain they had taken money from me for a service I did not authorize, they then asked for my entire social security number, which I declined to give because no one should ever ask for the entire number. They tried to insist that I set something up with them back in XXXX. They asked for my name and address to verify that way, I gave that information, but then they told me they still needed my entire social security number. They told me I'd need to call another number to cancel and they'd still need my ssn. I got upset and hung up and called my bank to dispute the charge and get a new card issued to try and prevent these charges from recurring as this is fraudulent activity. Then, on Friday XX/XX/2020 they have sent me an email trying to get me to use a service they are charging me for that I didn't ask for. This is the first email I've ever received from them and the first charge I believe I've received from them. Who are these people? This is such 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 monetary relief
Consumer complaint received 2018-07-27
Company: Exeter Finance Corp.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like to make arrangements to settle the above referenced matter. 

Please provide me with your statement of the amount owing as of XX/XX/2018, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: U.S. BANCORP
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My recent complaint ( XXXX ) filed XXXX was closed WITHOUT CLEAR EXPLANTION of why XXXX XXXX XXXX  XXXX has NOT reported my existing loan since XXXX XXXX through XXXX to the credit reporting agencies. 

While US BANK had the right to the legal process it took, the RESULT and HARM TO ME was to wipe my mortgage off my credit report completely. There was NO follow up with XXXX County Circuit Court to notify them I had Satisfied the Judgment. 

I do not have CREDIT for one of my longest creditors through XXXX, XXXX  or 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 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- REAL ESTATE  LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$150000.00} -This is not my 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 2020-12-09
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:
Hello I went to apply for a loan to help my mom out during this pandemic and I was denied. I have bank with this bank since I was XXXX and have the score the get the loan. Even my banker was confused because I have an auto loan with them and a home loan. I went and took a look at my credit and see so many accounts on there that are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these accounts and inquiries from my credit that are not mine XXXX XXXX XXXX. XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. The inquiries that are not mine are XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2018-03-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife and I recently applied to have our home loan modifying with Wells Fargo and were turned down. Wells Fargo responded to our request to reduce our mortgage payment by saying they would offer us a short sale option We receive social security and can afford a reduced payment plan if the loan were modified with payments were stretched out over a longer period of time. I am XXXX XXXX XXXX and a XXXX XXXX XXXX veteran My wife is XXXX. We truly believe that Wells Fargo is discriminating against us because of our age. We have lived in this home for 45 years and don't want to leave. This is where we want to live for the remainder of our lives.

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 2017-08-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE CREDIT BUREAUS WAS NOTIFIED OF THE FRAUDULENT ACCOUNTS ON XX/XX/2017. I ASK THEM TO VERIFY THESE ACCOUNTS UNDER THE FCRA SECTION 609 ( a ) ( 1 ) ( A ) I NEED TO SEE ORIGINAL SIGNED ON CONTRACT OR REMOVE ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Turning Point Solutions LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXXXXXX XXXX called me on XX/XX/18 and XX/XX/18 *I asked them to stop calling me and to only communicate with me in writing *I sent a certified letter asking them to discontinue calling me and all further communications should be done in writing. 
*The certified letter was received on XX/XX/18 ( tracking # XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXXs continues to call and I have two voicemail messages from them on XX/XX/18 lasting 20 seconds and on XX/XX/18 lasting 31 seconds.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Allgate Financial, LLC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX sued for a XXXX account belonging to XXXX XXXX. I was living and working in Pennsylvania. On XX/XX/2018. XXXX XXXX renewed a judgment and is now trying to collect on XXXX account which she states was paid. The CFPB has consent orders against both XXXX and XXXX XXXX. They are scam artists. They have a lien against my home and will garnish my bank account or wages. Please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
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:
i have sent Experian and XXXX, XXXX  XXXX more than enough supporting documents to block these fraudulent accounts that do not belong to me. i have sent them FTC reports and police reports regarding my identity theft and they have not removed these accounts. i do not know open these accounts but everything is attached to my complaint in my supporting documents.

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 2018-10-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
Our customer send us a wire for XXXX euros from his bank to our wells fargo account, so we should have received {$57000.00} as per that days exchange rate which was@XXXX but wells fargo debited our account only with {$55000.00} with exchange rate@XXXX which is not correct. 

They are giving us all sorts of false explanation which we do not agree to and need our difference ASAP, this is illegal to deduct this much amount. 

I want an immediate action to be taken here and get my money ASAP

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 2020-02-04
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, I successfully deposited {$1400.00} in cash to Chase bank at XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 

I received a receipt, which is attached to this complaint, that proves the funds were successfully deposited to my bank account. In addition to being a receipt for the deposit transaction, it also proves that the balance posted to my account as available funds. 

On XX/XX/2020, I went to make another deposit at the ATM and my debit card did not work. I spoke with a teller who advised that my account was closed. I did not close my account. In regards to the {$1400.00} in question, the teller told me that the deposit was " rejected. '' I have proof, and so does the bank, that it was not " rejected. '' The funds posted to my account.

I was advised to call the number on the back of my debit card to file a " claim. '' The representative at that number said I can not file a claim because my account was closed, and that the branch manager had to. 

I filed the claim, and there is material fact ( evidence ) readily available that proves I deposited {$1400.00} to my account. However, I am being made to wait for an indefinite amount of time for an " investigation, '' and " physical inspection '' of the ATM. The evidence is in the documentation - I should not be made to wait excessive periods of time for an " investigation '' when the facts are apparent.

This is not an inconsequential amount, and my ability to pay bills is in question without the funds.

Do not do business with Chase - " programming errors '' or whatever excuse they may have does not relieve them of their responsibility to immediately provide me with my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Experian Information Solutions Inc.
State: CA
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:
Re : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports with Experian, XXXX, XXXX.

I have one hard Inquiry from company : XXXX XXXX XXXX  On XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I contacted Experian, XXXX, XXXX and XXXX XXXX XXXX XXXX.Have not herd back from any of this mentioned companies.Regarding this issue.

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 2020-10-31
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I have 3 mortgage hard inquiries on all three credit bureaus I didnt not authorized or have any knowledge of. As they should see, I have no open mortgage accounts. Also, I have 1 extra hard inquiries on equifax from a car dealership that I have no knowledge of. I have called the credit bureaus to dispute the hard inquiries but no help.

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 2018-07-27
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/2018 Experian has reported inaccurate information on my credit report. On XX/XX/2018 I requested to remove the account ( XXXX ) from my report due to errors. In which, the account ( XXXX ) was not 100 % accurate. So therefore, the account ( XXXX ) must be DELETED due to inaccurate account balance and account history.

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