BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Re : Acct # XXXX Chase, loan servicer contacted us XX/XX/2022 advising home in foreclosure however will be given time to secure employment. Hope to obtain job and tenant before years end and need confirmation that my home will not be sold from under us. In the meantime XXXX relief being sought. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Southwest Credit Systems, L.P.
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:
This company is reporting an old account originally reported in 2016 as a new collections account to all 3 credit bureaus. This process will allow the negative account to remain on my credit report longer than the 7 years legally allowed. This is also making me appear as a higher risk by showing a new account on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Account # XXXX I recently filed a complaint about me not receiving credit toward PSLF due to being in Chapter XXXX bankruptcy. My FedLoan is in bankruptcy status even though my student loans was not included in the filing of the bankruptcy. 

The response I received from my previous complaint stated " Because you previously stated that your Direct Consolidation Loan should not have been included in the bankruptcy process, we are responding to your concerns, in general, until the documentation required to end the status is received. " I provided documentation XX/XX/2019. I uploaded the document in the drop box of FedLoan. I am going to attach it to this complaint as well as a screen shot from the trustee website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: SUNRISE CREDIT SERVICES, INC
State: AZ
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:
Was contacted on XX/XX/23 through XXXX that my credit report showed a new collection account. Saw that the collections agency, Sunrise Credit Services , Inc., had placed a collections regarding an XXXX XXXX XXXX  debt. When I called them, they stated the account was originated in California and sent me a fraud packet to fill out. The debt was for {$2000.00}.

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 2020-07-30
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:
Equifax is showing 2 items in dispute and XXXX and XXXX are reporting 1 account in dispute. I have not disputed these accounts and wasn't aware of that status until a lender pulled my credit report. I mailed a request to all three bureaus requesting they remove that verbiage from my credit file and they have not done so and it has been over 45 days since it was requested. Both accounts are in great standing so there would be NO reason to dispute them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am filing this complaint because XXXX, XXXX and TRANSUNION has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.

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 2023-05-13
Company: Marlette Funding, LLC
State: NY
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:
I was solicited for a credit card by Best Egg, issued by XXXX XXXX XXXX XXXX in XXXX SD. I called their information number on XX/XX/XXXX to ask if this was a soft pull because I didn't want a card with a low credit line. I was assured by the rep that it was a soft pull until/unless I accepted the card. I asked him to make certain and he again assured me that it was a soft pull. After going to their website and applying, the amount of credit offered was too low and I fid not accept the offer. Within 5 minutes, I was notified by all 3 credit bureaus that there was a hard pull from these grifters. I again called to speak to a supervisor to reiterate that I didn't want the card and they needed to remove the hard pull from all 3 credit bureaus. She hung up the phone when I said I was recording the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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:
I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : 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 2020-07-22
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have a loan with SANTANDER CONSUMER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX   SANTANDER CONSUMER with no successful resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The credit reporting agencies XXXX, Equifax and XXXX is reporting a Closed XXXX XXXX Account # XXXX opened on XXXX XXXX XXXX XXXX XXXX  Account # XXXX opened on XXXX XXXX XXXX Account # XXXX opened on XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened on XXXX XXXX Dept Of ED/XXXX account # XXXX Opened on XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX opened on XXXX XXXX XXXX XXXX XXXX account XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX account XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX account # XXXX opened on XXXX XXXX XXXX account # XXXX opened on XXXX XXXX XXXX XXXX XXXX account # XXXX opened XXXX XXXX XXXX account # XXXX Opened on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a call from Capitol One Fraud department about an application that was opened under my name. I spoke with several representatives, none of which gave me any information on who opened the account. There was a savings account opened in my name. And a credit card application that was attempted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Experian Information Solutions Inc.
State: CA
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 sent a method of verification to to Experian and i didn't get no response. I have sent 2 letters and this is ridiculous. I am up freaking upset because my credit report is reporting inaccurate information and it affecting my life. Its been more than 30 days and they had 15 days to verify or they must delete by law and they didnt do either. So this is violation based on my research of the FCRA law. Next i will be emailing the attorney general with this issue because this isnt fair. I know they recieved the letters and didnt do anything to verify the accounts which is a violation.

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 2021-06-03
Company: EQUIFAX, 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:
My Name Is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Byrider Franchising, LLC
State: OH
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:
Byrider Financ, LLC XXXX XXXX XXXX. 
XXXX, OH XXXX On XX/XX/XXXX I purchased a XXXX XXXX XXXX from the above company, with the understanding that I was buying it at fair market value, But 3 years 7 months later they still say theis is close to {$3500.00} still owed on the car and I've been paying {$170.00} every two weeks since the loan was taken out, On XX/XX/XXXX They repossessed the car they financed On XX/XX/XXXX I paid what was owed at the time of the repossession plus two weeks in the amount of {$1000.00}. 

After the money was received I was given a phone number of a towing company which would not take my call saying their lot closed at XXXX XXXX XXXX. So I have been unable to contact the lot where the car is suppose to be. 

They sent me a receipt for the payment on XX/XX/XXXX, stating that it would be at least 7 days for the car to be returned. That was in order for them to put a tracing device on the car so they can keep track of where the car is. I am pretty sure that they already had a tracing device on the car or how would they have known where the car was when they repossessed This was my only way back and forth to work and I have had to rely on someone to get me back and forth to work for the past three weeks. 

They did not give any for warning they were going to come and get the or I would have removed several items of importance to me from the car. 

Then on Monday, XX/XX/XXXX they e-mailed me to let me know that a payment was due on XX/XX/XXXX. I feel that this was very inappropriate as the car is not in my possession yet they want a payment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: TN
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:
After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. 

XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX NA XX/XX/XXXX - EXPERIAN XXXX XX/XX/XXXX. - EXPERIAN XXXX XXXX XXXX XX/XX/XXXX - EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX - EXPERIAN XXXX  XX/XX/XXXX - EXPERIAN XXXX XXXX XX/XX/XXXX - EXPERIAN XXXX XXXX XX/XX/XXXX - EXPERIAN XXXX XXXX XXXXXX/XX/XXXX - EXPERIAN XXXX XXXX XXXXXX/XX/XXXX - EXPERIAN XXXX XXXX XXXX XXXX XXXX  - EXPERIAN XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - EXPERIAN XXXX XXXX XX/XX/XXXX - EXPERIAN XXXX XXXX XXXX XXXX - EXPERIAN On XX/XX/XXXX XXXX reached out to have these inquiries investigated and nothing has been done about 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 non-monetary relief
Consumer complaint received 2019-06-03
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Santander Consumer aggressively called my phone during the time of my loan at different times of the morning continuing throughout the day as late as XXXX XXXX. I spoke with them inregards to the repeated phone calls, even after I spoke with a representative. Santander also created fee and over charged me for the vehicle with the APR standing at 25 %, which forced me to do a voluntary repossession. They have sold the vehicle and still are charging me for these fees. They have been sued by other customers with the same complaint in the XXXX XXXX XXXX vs Santander Consumer as well as XXXX XXXX vs Santander Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Two respresentatives scheduled unauthorized, continuous payments of {$160.00} to be debited from my account. I explained to the last respresentative that I would not be able to make any payments on the account and she began to take down my information for the hardship program because I informed her as I did the other representatives, that I was unemployed. Between XX/XX/XXXX and today, 4 withdrawals of {$160.00} have been debited from my account with 4 insuffient funds fees of $ XXXXXXXX/each. Managers and representatives said they could not stop the withdrawals and that I scheduled the payments online. I explained to them that I have not scheduled any web payments since Ive been unemployed and that I explained to the representative that I can not make the payments and interested in the hardship program. The managers/representatives were rude and placed me on hold for long periods of time and said they couldnt stop with withdrawals even though they have access to my account after I requested them to stop.

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 2020-08-01
Company: TD BANK US HOLDING COMPANY
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 a loan with NORDSTROMTD and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and XXXX  NORDSTROMTD and XXXX. with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: WELLS FARGO & COMPANY
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:
I XXXX XXXX ; XXXX reserve all of my unalienable rights forever and always. I never had a Wells Fargo account of any kind. Wells Fargo is saying that I do. My identity was stolen and an account opened in my name without my knowledge or consent.Wells Fargo does not have my consent to report any of my private information with any person or any company. Wells Fargo may only communicate with me in writing.

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 2019-03-06
Company: BB&T CORPORATION
State: GA
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 am reporting to that I am a victim of Predatory lending. In XX/XX/XXXX, I got a 2nd mortgage from BBT to pay off my large balance credit cards and to consolidate all the charges. All my credit card payment was returned by the BBT and I was charged insufficient fees with each return draft. I went to BBT to inquire why my payments was not honored. I was informed that I did not transfer the funds from the holding account to my checking account. I corrected the error and resubmitted my credit cards payments. On XX/XX/XXXX I was notified by the credit card company that my payments was returned for the seconded time and was charged fees by the credit card company for the non-payment for the 2nd time. The funds was and still is in the checking account so I don't understand why these charges was not honored. I spent many hours calling BBT and the credit card company to figure out why my payments was returned. The out come was no resolution. I am almost XXXX years old and trying to pay off most of my financial obligations. My recent evidence based BBT encounters seem like that I am been penalized when I try to decrease my debt. 
I thought I could use my home equity to get this done. 
I am getting the feeling that these BBT variance is to make me lose my home and keep me in debt.

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 2019-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
In XX/XX/XXXX I made a balance transfer from my Capital One card to my XXXX XXXX. The balance transfer did not get applied to my XXXX XXXX, however I had the balance already charged to the Capital One account. As my XXXX XXXX card never got paid, I was essentially paying for two balances. After 2.5 years of reaching out to Capital One by phone calls and mail correspondence, and submitting complaints to the CFPB, XXXX who is backed by XXXX and Capital One were able to get this issue resolved and the credit applied back to my Capital One account in XX/XX/XXXX. 

On one instance when I tried to get this fixed on one of the many phone calls, precisely in XX/XX/XXXX, I was told on a recorded line that I would get the interest that was charged to my Capital One account reversed. This never did happen, and I am requesting that the interest that has been charged for the course of 2.5 on the {$1600.00} be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: LEXISNEXIS
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:
My information had been breach in recent and pass data breaches, accounts, inquiries, collections and public records had been placed on my credit report. 
An FTC complaint has been filed with all this fraudulent items that do not belong to me, please remove all this items from my credit report. 
These event has prevented me from getting finance as well as a better jobt to better my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a charge on my credit account and I disputed said charge. It is in violation of XXXX XXXX guidelines and must be removed from my credit report. I filed this dispute on XX/XX/XXXX of XXXX and received my answer back on XX/XX/2023. The amount in question of being past due is XXXX $ from the creditors XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: ALLY FINANCIAL INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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