BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I was scammed by a company who told me they were XXXX.I received an email from XXXX saying my account was suspended and to login to my account. I didn't do that I went to website and called the number and was told I needed to verify my card information on file which I did. These people hacked my computer and phone and emptied out my bank accounts. This happened XX/XX/XXXX and XXXX 2020 I found out about this on XX/XX/XXXX and went to the bank and filed an affadavit and asked if the wire transfers of XXXX and XXXX could be stopped and was told no this was less than 24 hours after the second wire transfer. The wire transfers were sent to banks in XXXX and XXXX the bank didn't send me an alert about these transactions. I contacted the bank and they reviewed my account saying I compromised myself. I requested a reconsideration and it was sent to the executive office to have them investigate. The bank is Chase so they had the bank investigating themselves finally after XXXX weeks I was once again denied. I am a XXXX year old XXXX veteran and that was all the money I had. I suffer from XXXX and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also contacted XXXX about this incident and they said they couldn't help me because the email didn't come from them. Any assistance you can provide for me would be greatly appreciated I live on a fixed income and the XXXX I had was to be used for emergencies and medication. If you need anymore information please contact me. I have paperwork but I don't know how to send it to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: PA
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 am writing to delete the following information in my file. The items that need to be deleted are listed in the report. 

I am a victim of identity theft and did not make these charges. 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.

I ask these items to be removed also in accordance with 15 USC 1681a Section 603 subsection K ; rules of construction. Due to this inaccuracy of my credit report, I have been denied opportunities that have also violated my rights based on the Equal Credit Opportunity Act. I have the right to an accurate credit report. 

Please delete the items as soon as possible.

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 2018-05-24
Company: Security National Automotive Acceptance
State: AP
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Security National was included in my bankruptcy in XX/XX/XXXX yet it is showing up on my credit report for charge off in XX/XX/XXXX and XX/XX/XXXX. I am trying to purchase a home and need to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: T.S. Holdings
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I found out that in 2018 a eviction record was placed on my name. 
While i never even lived at the addres XXXX XXXX XXXX. 
I called the property and they directed me to a different agency. 
Where i was told, that someone used my name to sign it. 
And used my personal information. Back then i was going through a divorce. 
so only one who ever had access to my personal information was my ex husband. 


Also now the problem is, for an address i never lived at. it causes now issues for me to get a new home. For something i not do, and was not aware off. 

The company in question is not very helpful. they say be more careful with your personal stuff, now you have to pay. 

I am not willing to pay for a fraudulent activity and have a falsely eviction on my name, due the fact someone used my personal information for personal gain. 
and i am now the victim. 


Company involved is XXXX XXXX IQData Inc. who i think is handeling this. 

Also called them, the guy i spoke to said. will make a note that it is fraudulent and file reports But sorry how does this help me get this of my records

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Aqua Finance, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I bought a water purification system through Aqua Finance. The device has had several issues and currently does not work. The company I  bought the device through wants to charge $ XXXX {$50.00} per half hour to fix. I refuse to pay such large fees every time the device breaks, and was made to believe all warranty and repair would be covered in price of purchase. However, now I am stuck with a broken device and forced to pay the financing contract. I would like to have the unit returned and be refunded for the device. I do not care for either of these companies and feel I have been taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX  XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2015-07-12
Company: ALLY FINANCIAL INC.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Extreme high interest and if I did n't accept the vehicle they were willing to finance they were not allowing me to finance any other vehicle at an affordable price. Now I am stuck with a brand new vehicle I honestly can not afford but desperately needed through a 6 year high interest contract.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
When I started College in 2007, I was advised of the Public Service Loan Forgiveness which applied to me as I was working in XXXX XXXX and had for years. My wife who also worked for XXXX also qualified for the forgiveness. As we completed our degrees we combined our student loans and again was advised that we would fall into this category as long as we made our monthly payment without missing any and made this payment for over 10 years. 
Well the 10 year mark came and I filled out the required paperwork and sent it in, only to be denied due to our student loan not being listed as a Direct Loan. I talked to Navient many times without any help. There only comment was I can reclassify my loan into a direct loan so I can qualify for the loan forgiveness and apply for it after 10 years of payments. I called ombudsman for help which didn't do anything. I only was able to talk to one person who apparently got to make the entire decision on my case by themselves. 
I was advised all those years ago from my school and loan people that my wife and I qualify for this program. Now it looks as if I'm going to have to make my student loans for 20 years. I'm now a retired XXXX XXXX and my wife is XXXX from XXXX. I have received no help from Navient or any Feds. I have researched my situation and found that I have fallen into the same category as thousands of people. I was given misinformation from my school and Salle Mae who originally had my loan. I feel cheated and lied too. I followed the directions I was suppose to and never missed a payment. I've paid on my loan for over 11 years now with still no help. I even called Navient to try and work out in paying off my loan if they would forgive half of what is still owed and they said no way. I would like to add my name to the class action law suits against Navient for their false claims and would like any feedback or correspondence regarding my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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 company Credit Acceptance Corp on XX/XX/2020 I was lied to by my cousin XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX to co-signed for a Auto Loan to get a truck and after a couple months he can take it out of my name and take over the payments and that was all a lie he has not been making payments on this account which is affecting my credit report I also tryed to take him to court to have his money garnish to pay this off with no luck

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 2021-09-13
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mortgage loan process was difficult to say the least, but the final straw came when we were ready to close on house and Suntrust bank FAILED MULTIPLE TIMES to send money to our lawyers office. Once that was completed, we are now having problems trying to pay down the loan! On XX/XX/2021, we paid a lump sum of {$520000.00} to pay down the loan to {$20000.00} dollars. As of XX/XX/2021, no payment has been processed and on top of that we get a computer generated email that we are late on payment! ( payment due XX/XX/XXXX ). To rely on Teller Coordinator to solve this problem is totally UNACCEPTABLE!

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 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent in many police reports and disputes with no real acknowledgement of how these things got on my report and they refuse to tell me how this happened this is my last resort before legal action against all parties involved. identity theft victims should not be subjected to this kind of treatment.

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 2023-01-09
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-09-13
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
i was checking into the application on experian to see how my credit and my credit score doing to see if they went up or down.when i look into that it say that my credit score was unavailable when i call the experian customer support.the only thing she was told me was that they had on error on my credit report i know that the main reason not able to view my credit score .iam asking her if she be able to fix that error her respond was that she not able to fix it and she going to transfer me to a customer service again so iam not able to see my credit score because of that internal error .other thing she told me was that for me in order to see any activity on ny credit report was that the creditor report to them about my account but by law they not obligate to report to them so my ability to obtain or receive credit went to dead end

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 2022-08-11
Company: CITIBANK, N.A.
State: MI
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've been contacted falsely for the last 2 weeks and had my card deactivated because Citibank thinks the transactions are fraud. I've repeatedly told them they are not but they can't fix the issue. Please get me in touch with someone at the bank that can fix their awful fraud system.

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 2019-11-05
Company: A & A North American Financial, LLC
State: MI
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:
A Summons was filed on XX/XX/XXXX for {$11000.00} from the creditor AMERICAN FINANCIAL LLC XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MI XXXX and was allegedly served on XX/XX/XXXX. Not being aware of the summons filed against me, a Judgment by default was filed XX/XX/XXXX and entered on XX/XX/XXXX for {$12000.00}. Since that time Money has been garnished from my state income taxes and my bank accounts even though the funds were exempt. ( Social Security, XXXX benefits ) Trying to stop them from taking my funds I filed a motion to object garnishment on XX/XX/XXXX and I was denied. AMERICAN FINANCIAL continued to file writs of garnishments to collect my money that was exempt. as a result, I have not filed state income taxes and had to protect money from entering into my bank account out of fear of it being taken by the creditor. On XX/XX/XXXX the creditor filed a Motion for the Judgement to be renewed which expires XX/XX/XXXX. This is a black cloud over my head and has me living in fear. 

Not being familiar with the legal process I thought that there was nothing that could be done until a family member asked me a very simple question. " where did this debt come from? '' at that time I realized that the debt in question was from a company that I never heard of. XXXX Mastercard with an original alleged balance of {$6600.00}. the whole time I was paying the debt thinking it was from something else. After this realization, I filled a police report and wrote a letter to the creditor explaining what happened and I asked for validation of the debt along with my copy of the police report. this was on XX/XX/XXXX. I sent this letter certified mail and I gave them 30 days to respond and they never did. 

This creditor has used aggressive language and preyed on the fact that I was not truly aware of the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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: Account information incorrect

Complaint:
I had a Mortgage with XXXX XXXX XXXX. I sold the house. the Mortgage was pay off on XX/XX/2023. XXXX XXXX is reporting me late for the month of XXXX even though the mortgage was paid off. I spoke to XXXX XXXX, initially the thirty day was removed. The late reappeared in the month of XXXX. I spoke with a XXXX XXXX representative and the late was removed. My credit report is still stating Delinquency first reported XX/XX/2023, which is incorrect because the loan was paid off XX/XX/2023. This remark is preventing me from being approved for my new loan for my new loan for my new house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2019-04-27
Company: AES/PHEAA
State: TX
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:
AES/PHEAA - Last year, I was paying this student loan servicer over {$500.00} a month and had been for over 5 years. When I went to apply for a mortgage, my credit report showed that this company had put my account into collections. At that time, I paid off the account ( about $ 80K ) and requested documentation that showed how AES/PHEAA determined the account was a collection when I was paying on it for so many years. 

After much back and forth AES/PHEAA said they would take this account ( Account # XXXX ) off my credit, please attached document. However, it has been almost 5 months and this account is still is on XXXX and XXXX. They removed it from XXXX  only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
XX/XX/XXXX card was lost/stolen, ordered new card, still have not received the card it is now XX/XX/23. They stated it was issued XX/XX/XXXX and then in XXXX they stated there was a shortage of chips. Then just now they said it is still a shortage. I have received cards from other card companies. They can at least give me an electronic digital card or issue cards without a chip it is that simple. I am making payments yet not getting to use my card.

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 2023-05-19
Company: SANTANDER HOLDINGS USA, INC.
State: GA
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:
Between XX/XX/XXXX & XXXX, 2023 my vehicle was improperly towed by XXXX XXXX and XXXX XXXX, hired by Chrysler Capital resulting to the vehicle being immobile and sustained cosmetic damages. XXXX XXXX and XXXX XXXX is requesting me to file a claim, however apart of the claim is requesting XXXX estimated of the damages which is immediately impossible since the vehicle can not be moved without causing more damage to the front frame. I reached to Chrysler Capital to advise next steps as thatll disorient the appropriate price of the sale of vehicle at an auction and they asked me for a video from the tow truck. The towing company is refusing to provide me with that information. Chrysler Capital XXXX XXXX XXXX and XXXX XXXX and refuse to reach out to them for the release of the video. This is going to result in me ultimately owing an alleged amount on the vehicle due to the negligence on both Chrysler Capital XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX behalf. During the time of pickup, Chrysler Capital failed to abide by Maryland state laws regarding repossession. Also during this time frame, after contacting U.S. Department of Transportation XXXX XXXX XXXX XXXX XXXX I also discovered XXXX is actually in lapse on insurance protection against property towed.

Company response to consumer: Closed with explanation