BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-05
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Dear Sir/Madam XX/XX/2020, I applied for a Car loan with US BANK through their website for around ( {$55000.00} ). After two days, I checked my loan status through their website ; the position was pending. On the third day, I rechecked and still pending. On the fourth day, I made a call at XXXX, and someone told me that too early, please wait for next week. 
After waiting for a week, I made a callback at XXXX, and some told me to call your branch at XXXX XXXX. I called US Bank at XXXX, and the branch manager XXXX XXXX XXXX said to me that at this moment, he was not sure what is going on with your loan, and I will give you a call today about the situation. After two days waited, I made a callback to US Bank Branch at XXXX XXXX, and the lady XXXX XXXX XXXX told me that my loan declined because the amount too high for my credit score. At this moment, the loan approves for {$50000.00} with an interest rate of 3.9 percent 72 months, 3.76 percent 60 months, and 3.6 percent with direct payment. 
I asked XXXX what I should do? Because this is my first time to loan with a direct bank. XXXX told me to get a contract from the dealer and bring it here ( nothing about how the loan work ). 
After one and a half weeks, I got a contract from XXXX XXXX for the car for {$49000.00} On Monday, XX/XX/2020, I brought the contract to the US Bank, and I met with XXXX. He told me that he couldn't find my loan application, and I told him that I applied, and the branch manager ( XXXX XXXX knows it. He called XXXX, and XXXX and XXXX were looking into the system. Finally, they both couldn't find it, and XXXX suggested to replied the loan application, and XXXX explained that the Loan is base on the value of the VIN. XXXX checks my car VIN #, and the deal only {$37000.00}. I said to XXXX, why you never called me back, and why you were never explaining how to apply for the car loan. Also, why your co-worker XXXX XXXX XXXX told me, " just got the contract from the dealer and brought it here, and we will take care of the rest, XXXX XXXX couldn't answer my question ). 
Since I must deal with my problem, I told XXXX to reply to my loan application and get {$44000.00}. He told me I tried. 
On XX/XX/2020, I got the answer from XXXX the loan was approved, only the car 's value {$37000.00}, I must deal with the remaining balance XXXX {$7000.00} XXXX. 
I appreciate your valuable time to review my problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
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:
Negative accounts are reporting on my credit reports that's impacting my credit scores 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 2016-03-02
Company: Goldberg & Peretti, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I 'm not sure who this Company is but I received a unauthorized debit on my credit card from this company.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-14
Company: Diversified Consultants, Inc.
State: HI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
-Collection agency continued to report my account to the credit bureau as under " collection '' for unpaid debt. Even though the account is under dispute. 

-The alleged debt that is being collected was disputed several times from multiple collection agency -According to the collection agency, the unpaid debt was with XXXX which was my wireless provider at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: NAM National Arbitration and Mediation
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am receiving harassing calls from ph XXXX. I believe this is a third party collector. I answer the call once ; on XXXX as an attempt to resolve/address the nature of the calls but the guy on the phone was extremely condescending, aggressive and did not even provided the required mini Miranda. I ended up hanging up on him as we were not getting anywhere.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
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:
Rushmore Loan Management Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Loan Number Nothing has been reported to the credit Bureaus we have asked them repeatedly to please report our credit history. Any help would be greatly appreciated. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Dear Rushmore, We are contacting you to ask for you to report our credit information to the Credit Bureau 's? Our Bankruptcy attorney informed us that you never filed a re-affirmation agreement and that you are legally required to do so. We ask that you promptly provide the information to the credit agencies. This was 12 years ago we have been making payments for all this time and it was included in the bankruptcy. We would appreciate your prompt attention to this matter. Thank you, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On Monday, XX/XX/XXXX I realized I lost my Chase Sapphire Preferred credit card. I promptly called Chase to let them know, and they cancelled the card and on Wednesday they sent me a new card via XXXX. On Sunday I was contacted on XXXX   by someone who said they had found my credit card in the middle of the street in a town in XXXX. After providing some information I had figured out that this was the new card that Chase sent me as a replacement. 

The most worrying part of this situation, is that someone was able to use my replacement, new, and yet to be activated to make several in-person purchases. I found this out only after contacting Chase and letting them know that my replacement card had ended up on a street in XXXX somehow. 

It is unclear why the card was able to be used before being activated. When I asked the Chase representative about this they said they had no information and there was nothing they can do about it. 

In my opinion this is a blatant security breach and an inherent problem with Chase bank, who have apparently decided to allow for replacement cards to be used to make in person transactions before the card had been activated by its rightful owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/21 I sent a letter regarding inaccurate and misleading items on my credit report. As of today, over thirty days later, I have not gotten a response regarding the items I have disputed. In accordance with the Fair Credit Reporting Act Section 611 A ( 15 U.S.C. 1681I ) it clearly states a failure to investigate these items within thirty days gives a reason to immediately remove these items from my credit report. I demand these items be removed promptly in accordance with the law. My information was also impacted by the XXXX  data breach and could have fallen into the wrong hands.

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 2021-07-12
Company: EQUIFAX, INC.
State: VA
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:
My home was broken into and my ID, credit cards, and other personal items were stolen. I recently got a copy of my credit report and realized that there are things on here that I have not applied for. I did not request any of the inquires listed on this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
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: Information belongs to someone else

Complaint:
I was checking my credit report and I dont understand why you put these negative accounts on my name. I m sure that someone have my personal information. I dont know where they came from

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 2021-07-12
Company: EQUIFAX, INC.
State: IL
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:
Account # XXXX - XXXXXXXX XXXX XXXX On XX/XX/XXXX, I settled this account through XXXX XXXX XXXX. The account was paid in full and is closed. The charge off for XXXX XXXX XXXX has not been updated. I contacted Equifax on XX/XX/XXXX of XXXX, opened disputes, and sent the settlement letter from XXXX XXXX XXXX, the receipt from XXXX XXXX XXXX, and the XXXX XXXX reflecting that the amount was taken from my checking account. The account is listed as a chargeoff. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I called Equifax on XX/XX/XXXX and opened up a second dispute. I would like for Equifax to remove the tradeline. If they are unable to, I would like for Equifax to report that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the letter from XXXX XXXX XXXX, the receipt from XXXX XXXX XXXX, the XXXX XXXX reflecting that the amount was taken from my checking account, USPS Receipt regarding the mailing of documents, XXXX XXXX XXXX and the police report from the fire that destroyed my home. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or about XX/XX/XXXX a check ( written on my Wells Fargo account ) was issued to a friend for {$170.00}. As it happens she attempted to deposit this check in her Wells Fargo account., She informed me she received a text message stating that the check could not be deposited and she should come into Wells Fargo bank.for an explanation. I as contacted immediately. This check was clearly covered and I couldn't understand what the problem is. I immediately called Wells Fargo customer service. I was told in so many words that " they '' could hold a check as long as they want to, but there wasn't any problem with my account and the problem lied with my friend, When I told him her account was with Wells Fargo to he could nlt offer anything except to tell her to come into the bank. This was not acceptable but rather than make a fuss, she decided to depsoit in another bank account and no problems occurred. On XX/XX/XXXX, I issued a % XXXX check to another friend, who also had account with Wells Fargo. He too had the same issue. He did not want to go into bank, tried to deposit at the ATM. I called again to ask was there something wrong with my account. Again, I was told there was no problem it was probably with the friend 's account. Again, I told them he had an account there as well.XXXX  XXXX, XXXX a check for XXXX, same problem except he was trying to cash it. I called them and they said the check was pre-dated. So I wrote reicpient another check seemingly no further problem.XXXX XXXX, XXXX, the recipient of the XXXX received another check I wrote for XXXX ( well covered balanace ) same identical issue, same response. I don't know why, they won't give information and I believe I am being targeted in some way. Most times I have at least a balance of XXXX in checking and XXXX in savings. Not sure why this is happening or why I get vague and unconvincing answers. Please help, I don't like dealing with cash, and for other banking issues I don't you use debit purchases anymore as my card kept kgetting " declined '' for no reason. can you 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 2021-07-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A host of individual actions were taken against me the consumer causing injury. Certified mail was received by XXXX XXXX of JPMORGAN CHASE & Co on XX/XX/XXXX with an Affidavit signed and notarized with raised seal. See attachment for copy of green return receipt. 

Pursuant to 15 U.S. Code 1692b any symbol or any contents of any communication effected by the mails that indicate that the debt collector is in the debt collection business is an individual act against me, the consumer ; Pursuant to 15 U.S. Code 1692c ( c ) once a debt collector is in receipt of my notice which I arranged to be sent by certified mailing on XX/XX/2020, no further communication about an alleged debt shall occur except for section ( c ) 1,2 and 3 ; Under 15 U.S. Code 1692d ( 1 ) this individual action impacts my reputation and continues to have a negative impact due to unvalidated reporting to XXXX XXXX and XXXX. I asked for all the consumer reporting agencies to remove this from my consumer file as well. 

15 U.S. Code 1692g I was supposed to get written notice within five days containing 5 parts ; I received 2 of the 5 items ; under the same subchapter if I, the consumer notifies a debt collector of a request to get the name and address of the original creditor, the debt collector shall cease collection of the alleged debt. 

Pursuant to 2 15 U.S. Code 1692e ( 2 ) ( A ) to render a document monthly with an amount of an alleged debt is an individual action that is false and misleading to myself, the consumer ; Pursuant to 15 U.S. Code 1692h all payments I have made with a debt collector should not have been applied and instead all back pay can and according to congress shall apply such payment in accordance to me, the consumers directions and I have requested that XXXX USD under the payment terms that a check is to be sent by mail. This is a reflect of all tender made since account inception in XXXX 

Pursuant to 15 U.S. Code 1692j any contract presented without the consumers name as original creditor I am in observation of a deceptive form.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Avant Holding Company, Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Avant is reporting an amount on my credit reports of around {$6800.00} plus interest for several years now, exact amount is now available to me at this time. The funds were never received, deposited to an account which is not mine. Regardless, Avant is attempting to collect on debt by reporting amount plus interest. This loan appears to have been applied for online in which case, documents were signed electronically and there is no proof of actual signature in which case, Avant has little to no proof I agreed to any terms of loan which as stated prior, was not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
Last week ( XX/XX/XXXX ) I had my vehicle repossessed by Bridgecrest with whom we had the car loan. I and my then-wife went into XXXX XXXX bankruptcy in XX/XX/XXXX. In XX/XX/XXXX we got divorced and I was dismissed from the bankruptcy case. My lawyer said that I could resubmit a new bankruptcy later under just my name which would include the house and the vehicle in question. In late XXXX, I started the bankruptcy process. My lawyer asked me to get updated debt information which included the car loan. I tried to log into my online account but found there was no longer any account info available. I called Bridgecrest in XX/XX/XXXX and asked for the payoff amount and was told that the account was " marked charged off due to bankruptcy. '' I relayed the information to my lawyer. I again filed for XXXX XXXXXXXX but the court rejected the payment plan and wanted a higher monthly payment than I could afford. My lawyer then converted the case to XXXX XXXX but the court rejected that as well. 

I called Bridgecrest, talking multiple times to get as much info as I could. I learned that on XXXX they marked the account as " charged off. '' This was after I had filed and was already in the original XXXX XXXX which protects assets like the house and car. When I called in XX/XX/XXXX the car was still " charged off. '' I was told they received notice on XX/XX/XXXX, that a bankruptcy case was dismissed and that is why they repossessed the vehicle. 

I had no access to the site, no bills, no notices, and no communications at all from Bridgecrest that they were looking to collect on the car. I was locked out from the online portal and the only info I ever received was when I called in and was only told it was " charged off. '' If I had only known any information that it was charged off, in collections, or being repo 'd I would have tried to work with them. They want the full principal and reinstatement fee which total {$16000.00}... I am self-employed, and a caretaker for a XXXX person. I was completely blindsided by this and not sure what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2021-07-05
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: Information belongs to someone else

Complaint:
I am distressed that Experian have included the information below in my credit profile and that they have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged items, specifically the contract, note or other instrument bearing my signature. 
1. Mistaken Identity XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

2. Mistaken Identity XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

3. This account resulted due to identity theft. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

4. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX is not mine, delete it. 

5. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX is not mine, please delete it.

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 2017-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I lost my job XX/XX/2017 and fell behind on my credit obligations. As my creditors called i would explain the situation. All except for Capital One stopped calling. 
I have recived over XXXX calls robo calls from Capital One beginning at XXXX. I have ask them to stop calling on several occasions.

Company response to consumer: Closed with explanation