BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-05
Company: AMERICAN EXPRESS COMPANY
State: UT
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:
XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit cards with American Express and XXXX. While no accounts were established the application left fraudulent inquiries on her credit reports from both American Express and XXXX. A formal dispute was sent to each bank concerning the fraudulent matter ( XX/XX/2018 ) however as of this date neither bank has notified my client of the outcome of the investigation which is an FCRA violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-05
Company: RFNA, LP
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:
This is in regards to the response to my fourth complaint regarding Republic Finance and credit reporting. In XXXX XXXX XXXX a complaint was submitted regarding Republic Finance reporting a delinquent payment status on my account. After the complaint was resolved Republic Finance sent me a letter stating that they would waive all late fees. In addition to waiving the late fees the letter stated that the payment status would remain delinquent unless that remaining balance was paid in full before the XXXX XXXX, XXXX due date. The letter also stated that the payment status would be adjusted and reported as current if the payments were made on time. Two payments were made in the amount of {$120.00} and {$120.00}. Both payments were submitted via XXXX XXXX XXXX check and cleared my account on XXXX and XXXX respectively. On XXXX XXXX, XXXX Republic Finance reported to XXXX and XXXX that my account was paid in full but still reported the account payment status as delinquent for the month of XXXX XXXX. My account was paid in full before XXXX XXXX, XXXX due date and my bank account statement will show that the checks presented for payment were cleared before the end of XXXX XXXX and before the next due date of XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: TD BANK US HOLDING COMPANY
State: NJ
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 opened a business line of credit using my personal information interest only payments monthly. XX/XX/XXXX it was approved for XXXX for working capital XX/XX/XXXX The small business VP ( XXXX XXXX ) that opened the line of credit contacted me and said line coming up for renewal and I needed to handle a few credit concerns. 
I explained to her those concerns were there when the loan was opened and if they now wanted me to address them could they supply me with more information on who to contact to even see if they are valid. 
She requested I send what I have to her of which I did. 


XX/XX/XXXX I get a phone call from TD bank telling me they are terming out my line of credit for delinquent credit, I informed the person I was already dealing with VP of small business and nothing has been delinquent with my 8 year history with TD bank. I receive a phone call back from the VP of small business said the phone call was an error and my information was sent to the underwriters and she would let me know when she heard back how we move forward. 


XX/XX/XXXX I sent email to VP of small Business asking what the outcome was or what is happening with the underwriters in regards to my line of credit. 


XX/XX/XXXX I sent email to VP of small Business asking again about out come as no response from previous email XX/XX/XXXX My son contacts me says TD bank came to my home and the man told him to tell me to contact TD cause he is an appraiser. I send VP of small business and email of this situation. I then receive a phone call from an outsourced lender ( XXXX XXXX ) that informed me TD was no longer handling my loan as I refused to come in and term out the loan. I explained this is absolutely not true he said he would discuss account with his boss and TD and contact me back. 


XX/XX/XXXX I never heard back from him or TD so I sent Another email to VP of small business that I would be contacting CFPB if they would not explain to me what is going on and why no one is willing to meet with me face to face like all my transactions concerning loans or line of credits for the past 8 years. 


XX/XX/XXXX I receive a letter in the mail saying now that they are doing a term loan for remaining balance of XXXX and they are addressing my email XX/XX/XXXX and Now the letter says the man that called me is assistant VP of the bank. 


I have never in my 30 year history of dealing with banks and credit unions felt so confused and misguided only to write in and the confusion continues. I am being lied to and I have no idea why this is necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: EQUIFAX, INC.
State: MD
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 unauthorized/fraudulent inquiries on my Equifax report and even though I 've sent letters to each of these Companies and Equifax but I get no response, and it has been 3 months. I have attached a list inquiries which should not be on my Equifax Credit Report. 

XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Experian Information Solutions Inc.
State: VA
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:
There are many mistakes appear in my report without my understanding.

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 2019-02-15
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX has yet to produce a invoice from the original creditor for {$670.00}. They have only been able to produce invoices from the original creditor with contradictory balances. Until XXXX XXXX is sble to submit in writing a invoice from the original creditor for {$670.00} I asked that this item be removed from my credit file. XXXX XXXX has broken several FCRA violations and one of those violations is they can not show a balance that is not owed. A balance of {$670.00} was never owed to the original lendor XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: JPMORGAN CHASE & CO.
State: NY
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: Overcharged for something you did purchase with the card

Complaint:
Hi, on XXXX XXXX, 2017 I went to a restaurant called XXXX and was billed a sub-total of {$59.00}. The amount charged was {$150.00}, so the restaurant is charging me {$100.00} tip on a sub-total of {$59.00}. I did not give a {$100.00} tip, the restaurant clearly added another XXXX on the receipt. Chase sided with the merchant because they have no common sense. The signature used was also not mine, but Chase still decided to side in favor of the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
State: FL
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 name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX I was falsely accused of elder abuse by my grandfather. We bought a trailer together for his book tour, ( I helped him finance the trailer ) and when him and I got in a family dispute he called in a false abuse claim. USAA then put the entire responsibility of the loan on me, closed my accounts, and froze my money for 45 days. Then reported negative information to my credit report. Despite the fact that I sent documentation and had witnesses come forth and say the information was n't true. I was told by the agent that " it does n't matter what I provide, they will side with my grandfather ''. I have tried getting these issues fixed directly with the company ( who I was a member with for 5 years ), they are n't willing to talk to me. They also froze me out of all of my online accounts so I have no way to manage my two loans with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information

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 2019-02-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have never applied for credit with XXXX XXXX. I ask that this matter is investigated and the Hard Inquiry removed from my credit file.

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 2019-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have never applied for credit with XXXX XXXX. I ask that this matter is investigated and the Hard Inquiry removed from my credit file.

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 2019-02-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have had a Chase Credit Card for years. They increased the interest rate without any notice. This is second time they have done this. This is suppose to be set rate for life of the loan as I do not use this credit card. We got it fixed the first time. This payment automatically transfers out of my account every month. If I would have known the interest changed I would have paid off the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Consumer Portfolio Services, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
When becoming a few days past day, Consumer Portolio Services will call you repeatedly until you pay off the debt. Unfortunately, my husband was laid off recently and I have had to pick up all of the bills in the house and have become behind in my payments to XXXX. I am currently 3 months past due and I am trying to gather the money to pay off my outstanding balance in full. XXXX has called repeatedly every day including weekends from XXXX to XXXX with about XXXX calls per day to myself and my husband and once or twice to each of my referrals including my employer. The calls began XXXX XXXX, XXXX and continue daily. 

At this point I ignore their calls because they have become so overwhelming. They offered to help me when through a email message to get back on track but once I called they said the only thing they would be able to do is give me one week to pay off the outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have contacted Equifax many times explaining that this information on the attached FTC report does not belong to me at all. These was done fraudulently, I call, and they say that the special handling has to call me back & I never get a call & this information remains on my credit report. Please delete this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX, I entered into a consumer credit transaction with XXXX. XXXX indirectly sign over my consumer credit transaction over to Santander Consumer USA. On XX/XX/XXXX, I sent a cease and desist notice, Santander Consumer USA has failed to acknowledge. On XX/XX/XXXX, Santander Consumer USA STOLE MY VEHICLE. Santander Consumer USA HAVE FAILED TO NOTIFY ME IN WRITING. While looking over my contract, I see XXXX and Santander Consumer USA has violated several laws. Please see attach letter for violations. Santander Consumer USA has stole my vehicle. Taking possession of something you do not own is thief. Having a lien of a vehicle does not mean you own it. XXXX allow a XXXX ( third party ) to come and get my vehicle. This is a violation ; the XXXX ( third party ) was not their to witness the contract and is not apart of the contract. I want to know how did the XXXX ( third party ) get my address, location, and I did not give the XXXX permission to take my vehicle. This is an infringe of my right to privacy. XXXX failed to disclosed/withheld my right to rescind transaction, and other violations attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Conduent Incorporated
State: GA
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:
I initiated funds transfer from my debit card Way2gocard-Mastercard to transfers funds to my checking account. The wire was initiated on XX/XX/20 for1100.00 the amount was deducted from the card, but the funds never made it to mybank. 

I called the customer service # provided and it is an automated number, No help at all. 
Contacted the bank that issued the card XXXX XXXX  and they could not help me. 
They refered me back to the automated # which does not have operators. 

I need the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke to the Company And was told that if I pay the Debt Off. I would receive a letter saying amount was paid in full and it would also say it would be removed from my Credit.  I Was told by three different people it would be said on there. They also told me we were being recorded just to reassure me that it would say it will be removed. And I went and did a Bank wire to them so they would receive it next day. So I can receive that Letter. And  when I received the Letter it did not say that. And I called them and asked what happened to the letter they said I would get. They said the letter is already generated. They ca n't make any changes to it. So I asked to speak to a Manager. So they passed me to another manager that told me the same thing. I asked to speak to someone above them or the Woman who 's name was on the letter. They Said She do n't speak to people. Only they can. I tried to be patient with them and asked all I need is the letter they promised me. And that 's All I Need. I paid what I needed to pay and Know I need them to keep there end of the bargain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: DISCOVER BANK
State: TN
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 recently was approved from a discover it card. I received the card on the XXXX of XXXX. I activated the card XX/XX/XXXX and tried to use the card on my XXXX play account for a sum of {$7.00}. They denied my purchase and stated possible fraud and to give them a call. I called discover and went a specialty team member and loss prevention. They stated my phone number which has been my phone number for awhile can not be used to verify me and do I have another number. Then stated they can not help me and to call back. I called back over five times and its the same run around. They verified me using my same number when I created the account and now they won't verify me to use the account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Experian Information Solutions Inc.
State: MI
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:
I have sent several letters to the credit bureaus for them to investigate the following accounts for accuracy and validity on the following dates below : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: EQUIFAX, 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:
cra and hippa violation taking more than 30 days inaccurate information sent the po report too many to count the equifax breach has cost me my life they are taking more than 30 days not 100 % correct

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I was exploring auto loan options with Chase Auto to buy out my wifes lease. I requested a preliminary rate without a hard pull and chase went directly to a final rate with a hard pull I did not consent to. Additionally, my wife was not on the loan so I cant even use the loan they approved for me and I cant add her after. When I requested this hard pull be removed Chase stated it was buried in the fine print of the disclosures that were vague. Most loans have a clear warning prior to a hard pull. I reached out to Chase auto and they said they will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: U.S. Auto Sales 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 information incorrect

Complaint:
The beginning and current balaces due for US Auto XXXX are incorrect. The lendor is showing an original loan amount of XXXX. This amount is incorrect. The XXXX is not correct amount loaned at the time of purchase. The amount shown is the base purchase price for the vehicle and not the entire loan amount which included Taxes, Warranties, Insurance and original down payment. Also the current balance shown dies not reflect the correct balance as XX/XX/2019.

Company response to consumer: Closed with explanation