BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-23
Company: Arbor Residential Mortgage LLC
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. The following account does not belong to me and should be removed from my credit report immediately. The company has any Signing the agreement or document to show I 'm responsible. 

SENECA MORTGAGE LLC Account # XXXX

Company response to consumer: Closed
Consumer complaint received 2020-06-05
Company: JPMORGAN CHASE & CO.
State: NV
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 received a copy of my credit report with XXXX. I sent them written proof that the following creditors did not report " dispute in progress '' on my credit report during the time of dispute. The creditors were Chase Auto Finance, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. I sent them certified letters multiple times with the before and after credit reports. I also sent written proof about XXXX XXXX having a non deliverable address which is a violation of the FCRA. None of these above mentioned accounts have reported accurate information. XXXX notified me that they would not investigate further and provided no written documentation. Because of that all of these inaccurate accounts should be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX/XXXX/15 I viewed an account alert from credit check agency, phone # XXXX XXXX, they list the following : XXXX/XXXX/15 XXXX is Experian the company name is : XXXX XXXX. Payment Status : Collections in the amount of {$680.00} their address appears as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A debt was placed on my credit profile by this company which I had no dealings with. Making me aware of a balance I owed to XXXX. I paid XXXX directly for this bill. Furthermore a disconnection bill/notice was provided to me by email from cast directly that bill says the service was disconnected and the bill was generated for the month of XX/XX/XXXX. XXXX. I had moved XX/XX/XXXX turned off services no disconnection needed; had all mail forwarded to my new address and not XXXX item forwarded was from XXXX which they say they sent mail repeatedly. I had no service with XXXX in XXXX of XXXX. I terminated service in XX/XX/XXXX. I had no reason to give XXXX an updated address as when I returned there equipment I was told I had no balance. Why was a bill and a not owed notice. Southwest credit systems is to remove this from my profile due to the fact XXXX is at fault not myself. I paid this debt in full directly to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX account is not mine. Shows closed but is not mine and is showing on my reports. Have tried to contact company and can not get any valid response. Have provided them with information to show that the account was not mine. 

Amount : {$7800.00}

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 explanation
Consumer complaint received 2020-11-02
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/20 I transported a client from Georgia to New Jersey via car. The total charge was {$1200.00}, which was cash app ( Square ) to me. Square fees for this business transaction is {$43.00}, leaving {$1100.00} to be deposit into my bank account. Square indicated that the money would be in my account in 3 days due to the high amount. The next thing I know Square indicated that my account was terminated. I have attempted multiple times to get access to my funds, but I was transferred from person to person that was supposed to be who can resolve this problem, only to be told that they are not the one capable of helping me and they needed to transfer me to someone else. I was also told that I owed them money ( {$380.00} ) with no reason given. I was also told that they would release the money to me in 2 weeks, but that didn't happen either. It has now been 2 months. I delinked my account because I didn't trust them to do right and fearful that Square may continue to harm me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
There was a credit card application on XX/XX/2023 for JP Morgan Chase bank. I didnt submit or apply for this application. My credit protection company notified me and we worked with bank to cancel the application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion is listing personal information ( names, addresses, employers, phone numbers, etc ) inaccurately. 

Transunion is also listing multiple credit inquires on my credit report with most ranging from XXXX XXXX XXXX  with the highest number of inquiries being XX/XX/XXXX that were fraud and not authorized by me. I have contacted Transunion with stated information, and they responded that inquiries are " factual ''. This is NOT factual information as these are not my inquires and all of them are either through dealerships or credit unions that is not even in the state in which I am located. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2020-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
IM HAVING ISSUES WITH MY CREDIT REPORTS AND I HAVE CALLED CAPITAL ONE OVER THE PAST COUPLE OF MONTHS REGARDING THE ACCOUNTS THEY ARE REPORTING ON MY CREDIT REPORT AND WAS TOLD RECENTLY THEY ARE STILL WORKING ON IT AND ITS BEEN OVER THE 90 DAY PERIOD I WAS ORIGINALLY TOLD. ALSO WAS TOLD THAT THE TECHNICAL SUPPORT DEPARTMENT WASCCAPITAL ONE WAS SUPPOSE TO CLEAR MY RECORD IN THERE SYSTEMS AND STILL I GET THIS MESSAGE WHEN I DO PRE APPROVALS WITH THEM. I ATTACHED THAT WITH THIS COMPLAINT ALONG WITH MY CREDIT REPORT. XXXX ALSO SAID THEY WOULD GET BACK WITH ME ON THE FRAUDLENT INQUIRES AND NEVER DID WHICH IS OVER A XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a loan with Hyundai Motor Finance. Paid off the loan on XX/XX/XXXX for XXXX $ via check. But the company told that they never received the check even though they received it and told me to make a online payment of XXXX $ same day in order to avoid further charges. They even told me that if they receive the check it will be voided. As soon as I did the online payment they took out two payments one for XXXX $ and XXXX XXXX On asking for the refund for the overpayment of the loan they told me it takes 15 days to process the refund. I have been calling Hyundai since then every friday for the loan over payment check but havent received anything. I am getting different answers from hyundai that they are processing and after that they told that they are sending but it might take a while. I have been waiting for the money since last 4 months. They are not even willing to expedite the delivery of the check in order to help me out. I can provide the proof of statements for the over payment. Also I have written multiple letters to the complaint department in Hyundai regarding my issue but no response from HYUNDAI MOTOR FINANCE.

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 2023-06-14
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CitiBank recently closed my accounts because I accidentally clicked the wrong payment account when I paid it ( they closed both accounts even though the accident was only on one of them ). This was an extra payment, so I had not been late even one time in years.

I had been paying my amounts down with money left over at the end of the month.

When they closed my accounts, I panicked and opened new credit card accounts knowing that the closed accounts would harm my credit.

Now, they admit it was a mistake but can not restore my accounts because I opened those new accounts, which I would not have done had they not closed my accounts in the first place! 

Now, this is going to destroy my credit which I have been trying to rebuild after my divorce.

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 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
HELLO MY NAME IS XXXX XXXX I WRITE THIS COMPLAINT BECAUSE SOMEONE ELSE IS TRYING TO OPEN ACCOUNTS ON MY BEHALF, DOING MANY CREDIT INQUIRIES IN A FRAUDULENT WAY WITHOUT MY AUTHORIZATION.

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 2016-05-27
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I financed a vehicle in XXXX XXXX with Santander consumer USA. My first payment was XXXX XXXX I was XX/XX/XXXX I payed XXXX of the payment which was XXXX all together. XX/XX/XXXX came I made a payment of XXXX to my account which would cover all of XXXX including the late fee so that would make behind for XXXX XXXX they are now telling me I owe XXXX ca n't explain why and they keep calling me even when I tell them I 'll make a payment on a certain day early as XXXX I understand I 'm late for XX/XX/XXXX which would be XXXX plus the late fee I just do n't get how I owe nearly XXXX .i just want to be treated fair not being a victim to fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Response to Complaint XXXX In our phone conversation, XXXX XXXX of Wells Fargo lied that she did not receive my voicemails, she knows XXXX well I called and left voicemails for over a week trying to reach her, she only called after upon me filing rejection notice here with CFPB. She advises me to contact XXXX and when I do, XXXX tells me Wells Fargo owes me a XXXX Character Payment ID that starts with " XXXX ''. Moreover, the Wells Fargo App and Wells Fargo website states the person who scammed me is unregistered with XXXX ( see attached ) the request to return my funds to this same person does not go through! ( see attached ) To make matters worse, I requested to speak to a Wells Fargo supervisor in the claims department regarding this matter on XX/XX/2021 and the phone rep was promised a callback. I *never* received a callback, where is the callback? this is outrageous negligence and how dare you upload my checking statement to the public without blacking out my highly personal transactions and personal routine and without my consent.

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 2020-11-02
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX, Acct # : XXXX & XXXX. I have attempted to resolve this issue since I first closed on my home in XXXX of XXXX with NewRez via phone, faxes and email but it's still unresolved 1. I am requesting NewRez to do a Escrow Analysis on my account. I am a XXXX veteran who is exempt taxes on my home. 
2. Remove the unauthorized forbearance placed on my credit by NewRez.

3. Adjust my previous mortgage and my refinanced mortgage to show the exempt taxes. 

Unfortunately, I regret that it has come to this. I am unable to speak to a supervisor or manager regarding my account.but since my last correspondence I received a letter dated XX/XX/XXXX denying an ( alleged ) forbearance that I should have not had on my credit because my wife and I never competed the application. We have made ourpayments on time. No one never told us we were in forbearance no call, letter, or statement. It wasnt until I began to refinance my mortgage when I learn I was in deferment. If my loan was truly deferred then the two mortgage payment should have been returned, at least a letter stating such Again, this is one of the many attempts I have reached out to your company to clear this error including my ongoing request for escrow analysis since XX/XX/XXXX. I have notified you that I am a XXXX Veteran who is tax exemptand provided tax exempt letter. My County Tax office also spoke to your representative and also requested and escrow analysis ( an audit on my escrow and loan ). I am respectfully requesting asking for these issue to be resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: U.S. BANCORP
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 is missing that should be on the report

Complaint:
Please see the two attachments that consists of correspondence. They specifically address what the request is. The company sent a form letter stating that the request was handled, but XXXX in their Customer Service department verified that it was not taken care of after all! 

This is a credit card company ; the vast majority of credit card issuers report to the credit bureaus for all users on the account, whether that person is an account holder or authorized user. This company, for some reason, will not report for an authorized user! Why are they different, and what gives them a right to be?? 

PLEASE NOTE : I have also tried to get XXXX XXXX involved, as it is their credit card. With the exception of XXXX getting my correspondence to the right department, they have totally ignored us and have not helped at all despite three requests!

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 2022-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I called Capital One to advise them I was going XXXX  and would be using my credit card. They said, " It is no longer necessary to alert us to foreign travel '' but assured me the card would work anywhere in XXXX. I used the card a few times to make small purchases at the airport in XXXX and to pay for the taxi from the airport to our hotel and there was no problem. However, at the hotel, when I proceeded to pay my bill, the card was rejected. I had to pay with an alternate card with a high international transaction fee ( Capital One does not have this fee ). 

I called Capital One to try to resolve the problem, but they refused and said I would have to upload documentation, some of which I didn't have available overseas. They claimed I was using the card fraudulently even though I was using it to pay my hotel, taxi fare, and other usual expenses when on foreign travel. I was in XXXX for XXXX full weeks, and I was on the phone with them and sent whatever documents I could, and they still refused to reactivate the card. The customer service representatives were very rude, and indifferent and did not try to resolve the problem. When I asked the matter to be elevated, they refused to let me speak with a supervisor. 

After I arrived back in the United States, I sent the remaining documentation they requested. Still, after several days, the card is still not working, and they said they could close the account. That is all they have to offer. 

Blocking my account the day I arrived in XXXX caused a great deal of pain for me and my family. We've had to use expensive ATMs and alternate fee-based credit cards, and this has increased our expenses. Their refusal to remove the block on the card is beyond reason and this is why I am contacting you. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have reached out to Experian and XXXX about a Fraud account reporting to my credit report. XXXX XXXX  XXXX date opened XX/XX/2018 has reported a Fraud account for over a 3 YEARS! to XXXX and Experian. I have sent both the Credit Bureau police report and the FTC report. 

The credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the address associated with XXXX XXXX  account is inaccurate, and the date last reported is not accurate. This Ground for removal they also Violated my rights under 15 U.S.C 1681 section 602 A. states I have a Right to Privacy 15 U.S.C 1681 section 604 A Section 2. 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 explanation
Consumer complaint received 2023-07-18
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer is loancare. I am formally making a complaint as they have been consistently mis-applying my mortgage payments. My mortgage was paid by HAF ( Housing Assistance Fund ) from XXXX XXXX XXXX Each month my payments were applied more than 30 days late. In XX/XX/XXXX HAF sent them a lump sum amounting to XXXX. They returned the lump sum and did not apply XXXXXXXX XXXX payment, then reported me to the credit bureau for being late. I called them over 30 times to explain to them that the payment should be applied to the principal balance. 

As of XX/XX/XXXX, I resumed my mortgage payments as HAF 's last payment was in XXXX. They have applied both XXXX and XXXX in an unapplied balance account. When XXXX payment is made, they will have 3 payments in this account without being properly applied. Their system shows that I am 78 days past due making me unable to make payments online. I was told 3 different dates for this matter to be resolved. Today when I called, the Representative is now quoting a much later date. The Rep. did mention that my account shows current with the credit bureaus and they would not report me thankfully.

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 2023-07-18
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have tried to work with Discover for months but unfortunately the information that I provided is all I have. They requested information about my IRS and want to play games with my account because I choose to Bank with an online bank. XXXX XXXX is the Card I use XXXX XXXX XXXX  building credit. Your account protection service needs to bring the account to the Office of The Presidents for approval.

Company response to consumer: Closed with explanation