BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-14
Company: EQUIFAX, INC.
State: TX
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 have no idea where these credit inquires come from, I have written the 3 major credit bureaus twice to dispute these inquires, I did not give anyone from these companies permission to run my credit, I don't know how they obtained my personal information but i don't know any of these companies. I have asked XXXX, Equifax, and XXXX twice to remove these inquires because I have no idea where they came from

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XX/XX/21 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. {$15000.00} I went to a dealership to trade my car in for a different one at XXXX XXXX where they ran my credit through all of these companys an I had {$45000.00} in the bank at XXXX  XXXX XXXX at the time. All these companys denied me a loan there are several more on different dates. An all these inquiries are posted on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent a Qualified Written Request to XXXX XXXX XXXX XXXX XXXX, because the servicers informed me that this bank is the trustee of the alleged trust that they say is the owner of the alleged loan. XXXX XXXX XXXX XXXX received my QWR on XXXX XX/XX/XXXX. I sent the letter certified with return receipt. Up to this date I have not received the acknowledge of the receive of my letter as it is required according to Respa, they supposed to acknowledge the letter five days after receiving the letter and then, up to 30 days to answer. Due of the conflicting information and the fabricated copy of the alleged original note from the servicers, I believe, that the alleged trustee can give me the correct information. First, I was told that a XXXX XXXX is the legitimate lender/creditor who provided the funds for my loan on XXXX, this information was disclosed to me at the beginning of this year XXXX. The original lender identified on my trust deed and note, was not the lender, and I was not informed that the XXXX XXXX XXXX investors were providing the funds. Furthermore, I was never informed that the alleged loan was securitized. I checked the records of the alleged securitized loan and found out that XXXX XXXX, XXXX XXXX XXXX was dissolved on XX/XX/XXXX due of fraud, in addition this alleged loan was satisfied even before the trust was dissolved by the credit swap insurance. Bank of America has collected payments and inflated fees from me from XXXX up to XXXX, XXXX, then it transferred the service to XXXX XXXX that collected from me from XXXX, XXXX to XX/XX/XXXX, and transferred the service to XXXX XXXX XXXX, who has been collecting from me since XX/XX/XXXX and current. Since these servicers have failed to proof that they have rights to collect on this alleged, not existent loan, I'm requesting answers from the alleged trustee of a trust that doesn't exist. I want to know if it is part of the scheme, or its name is just been used. For that reason I want a certified copy two sided of the original note and trust deed with all assignments and endorsements. Or otherwise a letter stating that this bank is not the trustee of this non-existent trust.

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 2018-07-09
Company: Northland Group Inc
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Keeps calling and sending letter on a credit card that I never had>>> claming to take my home and sending me to prison for no paying there bills!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Regional Processing Services
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
First called from a local number then left a voicemail that stated they were from some place called Regional Processing out of XXXX Ga. They threatened legal action stating I owed money to a place called XXXX XXXX and that they were getting ready to file paperwork for legal action and that the processing servers were looking for me as we speak. I do not owe any debt from said company. They have repeated called relatives and others looking for me.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There was {$1000.00} fraud on my account. No pin & no signature. Chase refuses to credit. 
I report 5 cases 5 months ago Chase dies nothing about also. I spoke with executive office and they said need to report but they still do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a platinum credit card account with American Express beginning XX/XX/XXXX. During the application process I apply for the Military Lending Act ( MLA ) in which I am continuously getting denied. I have been in XXXX XXXX XXXX  since XX/XX/XXXX with a current expiration term of service of XX/XX/XXXX. I have contacted all the government agencies in regards of this matter and in every system they look I am on XXXX XXXX. Since I opened the account with American Express I have file many disputes to solve this issue without any luck on resolving the matter. I have attached all the military orders showing proof of my status as well as statements from the credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to get in contact with Credit Collection Services for a debt they claim is owed as a result of the XXXX XXXX XXXX company. I can not even dispute the debt 's validity because there is no contact information for Credit Collection Services. I want this removed from my credit report ASAP.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I froze my credit with the three credit reporting agencies. I was provided with a personal identification number for all three different agencies. I subsequently sought to unfreeze my credit with Experian. 

I attempted to contact Experian by phone but could not reach an individual or speak with anyone. I provided my personal identification number when requested but Experian, for some reason, Experian could not acknowledge my personal identification number. 

The Experian website requested that I submit documentation ( social security number, drivers license, etc. ) in order to have my credit report with Experian unfrozen. On XX/XX/2018 I submitted the requested paperwork to Experian. Today, XX/XX/2018, I have heard nothing from Experian, either by phone, email or regular mail, and, as far as I am aware, my credit has not been unfrozen. 

I am requesting your help to get Experian to respond to my request to unfreeze my credit and provide me with a contact person with whom I can speak if need be.

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 2023-03-09
Company: ENOVA INTERNATIONAL, INC.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I believe that NetCredit has found a creative way around usery laws, and is using a creative method for charging excessively high interest rates. 

NetCredit charges a statement fee every XXXX weeks. The fee of the statement is based on ones balance. This is not fair, a statement fee should be fixed and not variable. As an example, when my balance was XXXX the statement fee was {$90.00}. When my balance was {$1300.00} the statement fee was {$70.00}. Because of their unfair fees, I decided to pay my balance in full. I made XXXX payments within a few days of each other to pay the balance in full, both payments were accompanied by statement fees of {$60.00}, and {$55.00}. 

These fees are predatory, deceptive, and make it very difficult to pay down one 's balance. Paper statements fees should be reasonable. Online statements should be even lower in cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Account Number : XXXX XXXX  Account Name : I.Q. DATA INTERNATIO Date Opened : XX/XX/2016 Balance : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Exeter Finance Corp.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
The company is exeter financial they are charging 24 % rate interest they just allowed for pay the monthly some like 15 days the down payment I did was {$5000.00} they increase the car price {$4000.00} I can't refinance because is higher that the index price I am actually can't pay that much interest my credit score was over 630 the dealer reduce points calling many companies in the first conversation with exeter phone people they offer refinance with a company they knew " XXXX '' was the refinance company name they have confabulation with the sales girl I guess because she promote it to real with no option also she took longer as days to give a copy of the contract

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage has a very, very dated website that is extremely troublesome and won't process payments half the time. I have reached out to their customer service to see if there were options to pay my bill besides having to call the customer service number and speak with a representative. In XXXX when I attempted to pay my bill, I had issues and sent several emails with no follow up. Please note, there were additional problems making the XXXX payment. I was unable to pay on the site, through the automated system, and got disconnected from waiting on a customer service representative. I called on XX/XX/XXXX alerting the representative of the troubles I encountered the previous night. She stated there were a few issues due to heavy processing at the end of the night on XX/XX/XXXX. She stated that a supervisor would call me to assist. I never heard from anyone until I called after I was reported 30 days late on my credit. Please note, the company acknowledged that they received my email about issues with payments but the ball was dropped. I did alert the representative that a call was made to make my payment on XX/XX/XXXX but it did not go thru. They have marked my credit ( which has dropped scores tremendously XXXX, and they will not budge and offer a goodwill adjustment. I provided the company with a copy of my call log showing I was on the line with Freedom Mortgage for 14 minutes before being disconnected. I have sent multiple emails with the evidence I just described, showing that this was a fluke mistake. I emailed all of the executives, including the CEO. There are dozens of consumer complaints on The XXXX ( and XXXX, and virtually every other outlet ) outlining problems with ability to make payments. It is very alarming that when I reached out for help the month before with customer care and leadership, no one offered assistance.

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 2018-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had couple transactions that I disputed due to the merchants error and funds being debited out without the merchandise being delivered to me. I've tried to contact the merchants for the first couple months in attempts to resolve the problems myself, however, which did not work out. Thus I disputed the charges that were wrongly debited out of my card. I was told that I was well within my rights to dispute the charges in order to recover the funds. Surprisingly, today I am told that the disputes fell out of the time-frame as I disputed the charges " too late ''. I'm frustrated as I was told that I could dispute the charges within 6 months after the charge is posted. I spoke to claim department agent to get some help but the agent couldn't help either. I've sent a couple faxes but no responds. I can not afford to lose the claims as the charges are more than {$900.00}. The dispute claim numbers are # XXXX, # XXXX, # XXXX. Please reconsider the claims and help me out. 

# XXXX - {$950.00} # XXXX - {$920.00} # XXXX - {$1100.00}

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 2018-11-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have been getting many, many solicitation phone calls from the XXXX, CA area. The most recent was on XX/XX/2018 at XXXX XXXX It showed on my cell phone from XXXX. When I replied to the call to tell them to take me off their list, the person told me to " shut my bloody mouth and then hung up on me ''. Although I pressed reply thinking it would go to the same number it was connected to XXXX. 

The other XXXX calls I have received are XXXX on XX/XX/18 ; XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase Bank will not release the funds of the deposited check with no reason given. I deposited the check on the XXXX and was told the funds would be available on the XXXX like they always have been in the past. Today, the XXXX they send me an email saying the funds " should '' be available on XX/XX/XXXX but it could take longer. No reason given at all. I am not overdrawn, I have not had any fraud or problems with our account. I have never had a check bounce or anything like that. So I gave them a call. 

They claimed twice ( after two calls ), that XXXX XXXX XXXX have not released the funds to them which is false. I have confirmed with XXXX   XXXX XXXX that they have released the funds to Chase and have a cleared copy of the check. There is no fraud hold or anything else other than them refusing to release the funds to me. Even though they said that XXXX has not released the funds, they also added that they have 7-10 business days to release the funds. So basically they are now telling me two stories.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Selene Finance LP
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Selene Finance has refused to provide me with a mortgage statement that I need to have for my appointment with New Jersey Citizen Action.I have been asking for several weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account is from 2005 and should be removed from my credit report

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 2018-11-28
Company: Experian Information Solutions 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:
I have sent XXXX and Experian proof, of a paid Medical bill. That was paid by XXXX XXXX XXXX XXXX. XXXX and Experian response was after there investigation that the account is being reported accurately from XXXX XXXX XXXX which is a collection company..

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: Mr. Cooper Group 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 information incorrect

Complaint:
NATIONSTAR MORTGAGE LLC., IS REPORTING INCORRECT INFORMATION TO MY CREDIT BUREAU FILES. 

THEY REPORTED THE MORTGAGE BALANCE TO BE INCORRECT AND THEY REPORTING THE ACTUAL PAYMENT AMOUNT AND FAILING TO REPORT THE 81 MONTH PAYMENT HISTORY AS PER THE FCRA. 

THE ATTACHED IS PROOF THEY ARE IS REPORTING INCORRECT INFORMATION TO MY CREDIT BUREAU FILES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021 I discovered ( XXXX XXXX ... ACCOUNT # XXXX AND XXXX XXXX XXXX ... ACCOUNT # XXXX ) had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
At the time of purchase I was told no interest for 9 months at no time was I informed that this was considered deferred interest on the original purchase. I have been paying well over the minimum balance before the payment due date since Ive owned the card. Only to find out, it didnt matter. I was still charged interest. 

Every month Im battling bills, interest rates, and unforeseen fees on a fixed income. How am I supposed to build my credit back up, if card companies like Synchrony Bank, blindside you with back dated interest?

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 2019-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
There was a hard inquiry put on my TransUnion credit report that is from a person that is not me and has the same name as me but with a different middle name that starts with the same initial and lives at a different address. The inquiry is from XXXX XXXX XXXX XXXX that is dated on XX/XX/2019 

TransUnion does not have the other person 's address listed in my address history and I have never lived there. This inquiry is not on my credit report from the other two credit bureaus and is only on the TransUnion one. They have made a mistake by putting someone else 's information on my report that has a similar name as mine but it is obvious that we are two different people with two different address ' and social security numbers. 

In my opinion XXXX XXXX XXXX XXXX did nothing wrong as they used the other person 's address and social security number to pull the information that they were looking for and not mine. It is TransUnion 's error and I believe they should correct it immediately instead of having me go through this long tedious process of correcting something that is neither my fault or mistake. They were the ones that put someone else 's information on my report that does not belong there. All they have to do is look at my address history linked to my social security number to see the error that they have committed. I believe that they should remove the inquiry immediately.

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