BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-30
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have send a Certified Cease and Desist Affidavit of Truth and have yet to receive a response with an Affidavit. When one receives a compliant with an Affidavit, one must respond with an Affidavit, and the opportunity to cure my remedy request.

This Affidavit was send via certified mail on XX/XX/2021 # XXXX. 

The Account in reference is Santander Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
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: Their investigation did not fix an error on your report

Complaint:
I disputed information with Experian to remove UNKNOWN accounts on my credit report. 
I wrote a letter letting their company saying I did not open these accounts. Please remove unless you have my signature or proof. They show me nothing and gave me a general letter saying the accounts were verified. I sent another letter asking the to show me more and give me details. Experian said nothing and again sent no proof. I don ; t even know if there was a real investigation. I thought they had to go above and beyond to get to the bottom of situation. I sent a third letter requesting the method the used to verify. I told them by law " you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) '' I did not see anything from Experian.

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: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Name of Credit Collection Company : Receivables Performance Management , LLC Date : XX/XX/2020 This company sent me a letter insisting that I owed {$5000.00} for four technical devices I never purchased. Furthermore, I have never used either XXXX or XXXX XXXX as my carrier with whom the debt was originated. I previously contacted RPM to advise that this is NOT my debt. 

I would like you to contact this company to eliminate this attempt to collect a debt I never incurred so they will stop harassing me. This is very important.

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 2023-01-22
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I first started getting hit with hidden fees then the tap option havent worked on my card in months and this is a replacement card. My phone was turned off because of my card tap option not working for 2 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I am complaining against Chase bank XXXX XXXX branch in XXXX, CA. It is regarding the recent promotion if you deposited {$250000.00} and leave it for 90 days, the bank will award me with {$2000.00} cash bonus and deposited to my checking account. 
I opened the account and deposited {$250000.00} to my chceking on XXXX XXXX and I fulfill all the stipulation and follow the term and condition as the banker XXXX XXXX instruction . 
and here is the instruction as the banker gave it to me - please see attached after the 90 days lapse, I checked and met with the personal banker XXXX XXXX in XXXX XXXX. And according to XXXX, I was not eligible for the promotion. 
I felt cheated and misguided since I follow all the term and requirement for the promotion. And I asked to speak with the branch Manager : XXXX XXXX, however i was told that she is on maternity leave and noone know when she is coming back. 
The banker was telling me that there is no dispute about why I am not receiving the Cash bonus and Why he had not tell me this prior to XXXX XXXX. I think Chase was taking advantage of myself and Coming from the Veteran family, I felt that Chase is not acting fairly and misleading the client.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-22
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights on the date of XX/XX/XXXX As well as XXXX XXXX XXXX XXXX XXXX date of XX/XX/XXXX Along with XXXX illegal/Wrong inquiries from XXXX XXXX XXXX XXXX  XXXX XXXX XXXX the violation by XXXX is XX/XX/XXXX next XXXX is XX/XX/XXXX Last but not least the XXXX wrongful collections I have on my credit profile XXXX by XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX & XXXX Date Opened XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions My name is XXXX XXXX I will not be abused by these by these rich companies no longer I work hard and have money and will take my time to hold every last company accountable this stuff is literally illegal why do this to hard working good people that pay taxes its fine I will make all companies pay through the justice system thank you & XXXX bless

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was originated by XXXX XXXX XX/XX/21 with the first payment due XX/XX/21. I made the first principal and interest payment of {$1000.00} by check directly to XXXX and the check cleared XX/XX/21. 
XXXX then transferred the loan to Shellpoint and I made the payment due XX/XX/21 directly to Shellpoint on XX/XX/21. I then made the payment due XX/XX/21 directly to Shellpoint on XX/XX/21. 
Shellpoint then claimed that a payment of {$1300.00} made to XXXX prior to the loan transfer was rejected by my bank and they reversed the payment that I made to Shellpoint on XX/XX/21 for XXXX Note there was no payment of {$1300.00} made to XXXX that was applied to my account so they reversed the payment that I made to Shellpoint. 
I have submitted documentation that all payments due XXXX, XXXX and XXXX cleared my bank but Shellpoint refuses to correct the error and they have provided no documentation that a payment was rejected by my bank. Their explanation is simply that XXXX informed them that the bank rejected my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered XXXX jerseys from an online store that are clearly counterfeit. I have provided the proofs of such counterfeiting to Chase ( see attached documents ), but they are requiring me to get a letter from XXXX stating that the jerseys are not authentic. I have attempted to get information on the authenticity of the jerseys from XXXX, but they indicated over chat that the only way to guarantee the authenticity of the jerseys is by buying from their authorized resellers. I don't see the reasons why XXXX would want to write a letter stating the jersey is authentic or not. Moreover, I have attempted to return the jerseys to the online merchant, but they have ignored my communications. Chase is making it extremely difficult to protect my rights as a consumer, asking me to provide proofs that are very difficult to obtain in a case in which I have provided plenty of evidence the jerseys are counterfeit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: EQUIFAX, INC.
State: NJ
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 was recently looking at my credit report as I was thinking of making some home improvements. There are a few inquires on my credit report that are 100 % inaccurate and never authorized by me. These are all fraud and were never signed by me. I never signed any documents with any of the following companies and do not know anything about any of this other than wasn't me. Someone tried to steal my identity. According to my credit karma it says on transunion I tried to apply for premium card on XX/XX/2020, XXXX XXXX XX/XX/2020 and on equifax also is showing premium card on XX/XX/2020, XXXX XXXX XX/XX/2020 and a company XXXX XXXX XX/XX/XXXX. I am also being hit with a late fee from my car dealership. I had spoken to thing months ago when covid happen. I had been a loyal customer for over 10 years. To make a long story short they had said they would remove the late fee due to covid and as curtsy to me for being a trustworthy customer. When I called them today that had nothing in there notes which is one of the reasons I came to you guys to resolve and help fix all this negative stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This a credit card debt for XXXX XXXX. I have provided police reports explaining I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
It was Around XXXX to XXXX on two capital one accounts. I have called numerous times and told them of my sister stealing my purse and using cards. I have provided them with information to resolve. She purchased gift cards to sale on streets for drugs and I am being held responsible for these charges. I have ask them begged to them cried to them. She had my driver license social card all in her possession. I have been paying these charges over 2 years with no help to clear this up. The first card {$4200.00} with a XXXX credit line she over charged the 2nd card XXXX limit maxed out. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: AL
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$170.00} XXXX XXXX XXXX {$360.00}

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 2023-11-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account of a Student Loan with XXXX XXXX XXXX, was cancel and the debt was remove from my credit report and per Experian and XXXX XXXX XXXX also a copy of the 1099C IRS debt cancelation form is attached .Account closed Date was XX/XX/. 


Thank you

Company response to consumer: In progress
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i am always geting multiple charges for same items or sometimes subscriptions mostly XXXX for XXXX, XXXX, XXXX! Its happened more since XXXX XXXX. 
ive been XXXX all access customer for seversl years approx since XXXX which is through Wells Fargo! the overdraft charges of XXXX dollars is also rediculious most troubling when its chatged for purchases under XXXX $ in which in policy is states no overfraft charge nor pentaty for signed charges under 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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I noticed several collection accounts on my credit report that does not belong to me. XXXX XXXX XXXX... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2020-11-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Today XX/XX/XXXX I just found out that my social security number was used to open a account at XXXX XXXX XXXX # XXXX OPENED ON XX/XX/XXXX $ N/A I have never opened this account with my personal information nor have I given anyone permission to obtain any vehicle or purchase from this company. I have not received any type of goods or ever benefitted from this account ever being open. I do not know who used my personnel information and I have filed a police report to my local police department I XXXX XXXX have sent more than enough supporting documents to have this account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: TX
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 a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2019-07-07
Company: SYNCHRONY FINANCIAL
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:
I dont recognize the name on the loan for {$380.00}. Nor do I remember getting a loan anywhere near that amount or at that time. I dont think it was me, and if it was then the amount is far more then it should be. I'd like to dispute it, to my knowledge It wasn't me.

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 2018-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i received a sale notice date set for XX/XX/XXXX from peak foreclosure service acting as the trustee for from what i was told Bank of America, but my loan was originated by XXXX XXXX XXXX Loans, i was contacted by XXXX XXXX servicing a sub-servicer working for either Bank of America or XXXX XXXX XXXX XXXX XXXX in which all of these companies claim that XXXX XXXX XXXX XXXX XXXX XXXX XXXX a shell company is the owner of my mortgage i request a QWR back in XXXX of XXXX but never received a reply in the time framed prescribed by law from none of these companies, this loan has been moved from one place to another with no real way of knowing who is the real owner of this loan in order to get answer to question of why my mortgage payment and deed of trust do not have the same interest, payments and terms from the day this loan was recorded, and who i should speak to regarding the decisions of a loan modification from Bank of America or XXXX XXXX XXXX XXXX since the sub-servicer has to get information from these banks, i need names and numbers of representatives from of these banks regarding all information pertaining to the mortgage that they claim to own, also if Bank of America is the decision maker then i need to speak to them directly regarding my loan modification request because i have no clue who the real parties are, interesting enough i found a case just like my that spells out this problem : CLICK ON THE LINK : XXXX : XXXX # XXXX Follow The Mortgage - 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 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$170.00} XXXX XXXX  XXXX {$360.00}

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 2020-09-15
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Contacting me several times in a row after being sent to voicemail each time. When I am working, I can not answer my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Resurgent Capital Services L.P.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are medical things on my report yet i have Medicaid and have no medical balances owing. Some credit card accts are not mine and i need to dispute them. How can i despute these accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Conduent Incorporated
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
The company ( XXXX XXXX ) manages the EPICCard system in a number of states. EPICCards provide a " direct '' way for child support to be transferred from states to families, and is encouraged as " an easy and fast way '' to get child support money. My XXXX  run Mastercard Debit Card for Pennsylvania child support ( EPICCard ) has very inconsistently been accepted for purchases over the past few months, despite the fact that it has a very large balance on it ( I am able to check this by phone on their helpline, online in my EPICCard online account, and also on the PA Child Support online system ). As a result of this, I have decided to transfer my EPICCard balance to my bank account, and have switched all of the rest of the payments to direct deposit. 
XXXX XXXX  makes it nearly impossible to transfer funds from your EPICCard to your bank account ( and currently that direct phone number ( XXXX, the number is listed both online and in the EPICCard debit Card Agreement ) is out of service so you can not do it at all ). Customer service is negligible at best. You can not contact customer service online with questions. If you search online you will see that multiple other people have had issues with this company. It is very difficult to get a human on the phone service ( phone number XXXX ; there is no selection for it so you have to let the automated phone number run through all the initial options 4 times before they connect you, then wait over an hour ), the personnel do not know how to handle complaints, and they hang up on you/allow the call to drop or transfer your call to a different company that states it can not handle the complaints. I have contacted them multiple times ( multiple times to the automated number in the two weeks prior to XXXX before I learned online how to get a person to answer the questions, to a human being on XX/XX/2020, and to a XX/XX/2020 twice ) to ask how to transfer the remaining balance on my card to my bank account without success, I tried to go directly to my bank ( XXXX, which is listed as a bank that you can do the funds transfer at ) and transfer the funds off the card today ( XXXX ) but it was denied even though I had checked the remaining balance remained high immediately before walking into the bank. I was told during my latest call with the company help personnel ( by a supervisor named XXXX ) that there was a state-wide outage of the card in Pennsylvania ( the card worked for purchases in multiple stores today, unlike 50 % of the times that I have used it, so I do not see evidence of an outage ) and that he would advance my information above [ his ] paygrade.

Company response to consumer: Closed with explanation