BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-25
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have received your response regarding my account with you, but it I disagree. I have proof that Santander Consumer participated in illegal activity. I went to pick up the car in XX/XX/XXXX, however was told to return it if u couldnt pay more money ( yo-yo sale ). I have proof that the documentation you submitted to me has been altered as I have the original copy with me. I ask that my account be deleted and closed from my credit reports. I do plan to seek legal action if necessary. 

Date : Vehicle : Amount Financed : APR : Term : Monthly Payment : Dealership : XX/XX/XXXX XXXX XXXX XXXX {$17000.00} 25.94 % 72 months {$480.00} ( first payment due XX/XX/XXXX ) XXXX XXXX, XXXX XXXX : CFPB Case No. : XXXX Santander Account No. : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2019-08-23
Company: FORD MOTOR CREDIT CO.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was contacted by XXXX XXXX a Finance Director at XXXX Ford In XXXX Ga making threats to me and stating facts about loans and accounts on my personal credit file. I then pulled my credit file and saw that XXXX XXXX has pulled my personal credit file on a soft inquiry several times without my Permission. Then i received a call from my Insurance agent XXXX XXXX and he stated that XXXX XXXX called him asking him personal question and clearly knew about several accounts on my clients credit file. XXXX XXXX contacted me XXXX XXXX XXXX and the NC Insurance Commission and file a report concerned that XXXX XXXX with XXXX XXXX is using XXXX XXXX XXXX information to hurt him. I have file a police report and contacted XXXX Consumer affair fraud department to get a IP Address trace and the IP Address come back to XXXX XXXX and he's personal login. I scared this man is trying to use my Identity to hurt or to do financial ruins. I used to work for the office of the XXXX XXXX with XXXX and my Federal Trade Commission ID is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Mom mortgage was paid off in full he with the FHA loan was paid off in full is not showing went dead my home was paid out and that is incorrect when issuing debt is the status of zero but is  not sure when it is paid off in full with my school could be raised up also with the public record with the bike website that was paid off that was dismissed that needs to be corrected also I notice he stays on your credit for seven years but I still need to be updated it is and Not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Flandreau Santee Sioux Tribe
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
XX/XX/19 they tried to withdraw XXXX by using a check they wrote themselves. They do not have a signature. I never sign anything without using a signature and no there threatening me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Square Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I requested a refund in the amount of {$30.00} from user ID $ XXXX on XXXX, the user was sent funds in error, not intended for this person. The person has not replied, seems to be a scammer of some sort. A prior complaint was sent in regard to this issue, Cashapp replied by sending their terms and conditions, did not address issue pertaining to this error and scammer.. I do not send money to person ( s ) unintended for, it seems Cashapp will not step in, assist me in anyway. Providing their terms and conditions does address complaint, failing to take any action, additional complaints will be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX CREDIT cards and XXXX XXXX CAR LOAN Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX and they were aware. 


Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I was on chat and the representative agreed to delete my late payments per me being laid off during the times and my husband death. 

Car Loan : ACCOUNT NUMBER XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX Can you please contact all 3 credit bureaus to have this removed and a new report sent to me. 

Also on all three credit bureaus XXXX and XXXX reported me late on XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX but my loans were in deferment and forbearance they lost paperwork and per them failing to update previous info., they are in violation of Section 623 ( a ) 2 ) of the FCRA . I have contacted them on 4 seperate occasions. I would like those late deleted. 

Also, I would like the original signed copy of every loan that is on my report if this can not be provided, remove all of all credit reports. 

Thus I am filing this with every credit bureau and need you assistance because the credit bureaus have ignored my request on 4 occasions and have failed to supply requested documents or verify within the 30 days time frame. 



Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft and Transunion has ignored my issues. The law of 15 USC 1681b-Permissble purposes of consumer reports states : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave Transunion any written consent to report anything on my consumer report. No consent is identity theft. I sent Transunion a dispute letter, copy of government issued state identification, copy of social security card, and FTC identity theft report on XX/XX/XXXX demanding deletion of accounts : XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX ( open date XXXX ) XXXX XXXX ( open date XXXX ), and XXXX XXXX ( open date XXXX ). 

Also, the deletion of inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX via 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 2020-05-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
Wells Fargo accepted my application for Paycheck Protection Plan, after months of waiting, I finally received an email asking me to take a lessor amount for my original amount may not be approved, weeks later I receive an email to electronically sign my Promissory Note for the original amount requested. Nevertheless, 24 hours later I got a wire transfer into my account for less than I had signed the promissory note for, I call customer service and was transferred around for about an hour of waiting on each transfer to talk to a different person. I was finally told to file a complaint with customer care and was transfer, the individual took my statement and said he'd get back to me within 48 hours with a solution to my shortage of money problem. I waited for 4 days and called customer care again and this time it got escalated to upper management with yet no answer for why I was shorted, so again I got transferred to XXXX in Customer Care, whom took my complaint, but went the extra mile to get XXXX from the lending department on the phone. XXXX was passive and said you got what you agreed to referring to the email I had gotten several weeks before the promissory note. He asked for 48 hours to get directions on how to cancel my promissory note without fulling the obligation owed to me via my signed Promissory Note from Wells Fargo that had XXXX Managers signature on 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 explanation
Consumer complaint received 2020-08-25
Company: JPMORGAN CHASE & CO.
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear Consummer Protection Board Official, Summary : Looking to my credit card account with Chase Bank ( VISA XXXX ) at chase.com, I noted that the amount of {$540.00} was debited three times to my credit card account for a total debit of {$1600.00}. However the amount of {$540.00} was credited two times to my credit card for a total credit of {$1000.00}. Thus Chase Bank debited my credit card fraudulently for the amount of {$1600.00} - {$1000.00} = {$540.00} without any parchase done. 

Facts : I tried to make an XXXX purchase on XX/XX/2020 for the amount of {$540.00}. This purchase was immediately canceled by the seller at the request of the same seller. After canceling the purchase order, the seller immediately reimbursed my credit card for the amount of {$540.00}, leaving the transaction at XXXX. However, Chase Bank debited my credit card three times and credited my card two times and now when adding and subtracting, Chase Bank appears charging or debiting my credit card fraudulently for the amount of {$540.00}, when it must be XXXX, because there was no purchase because the seller canceled the order and refund the amount of {$540.00}. 

Please review this as soon as possible and order Chase Bank to credited my account for the amount of {$540.00}. The transaction total must be XXXX because there was no purchase. 

The following are the transaction as noted in my credit card statement ... 

XXXX XXXX XXXX XXXX + {$540.00} XXXX   XXXX XXXX XXXX XXXX {$540.00} XXXXXXXX XXXX XXXX XXXX - {$540.00} XXXX XXXX XXXX XXXX + {$540.00} XXXX XXXX XXXX XXXX XXXX {$540.00} TOTAL IN TRANSACTIONS + {$540.00} ( SHOULD BE XXXX BECAUSE THERE WAS NOT PURCHASE. 

Thanks XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Chase issued a mortgage loan against my property while back. I just came to know about it by contacting with the home insurance company last month, which was funded from that mortgage loan account. The loan number is XXXX. 
The loan account was used for this purpose by a mortgage company named XXXX XXXX with the below information : Phone : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I contacted your sales department to inquire about this loan with no success. They declined to provide me any response. 

Chase maintains the loan that are older than 7 years in archived form. Since the loan was issued against my property and was used back in XX/XX/2007 to provide my home insurance company for home insurance payment. 

So I need to know the below details on this loan : 1. When was the loan account opened and when was it closed, if closed?

2. What kind of loan was it ( i.e FHA, VA etc )? 

Since this was a concealed information, the statute of limit tolls for any legal action. 
So I am hoping that you would please co-operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: DISCOVER BANK
State: MS
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 to renew my home mortgage, they showed a debit with XXXX XXXX. 
This debit I did not make and has no place on my credit score. 
I believe cfpb has already addressed this account if not I have no knowledge of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-30
Company: SYNCHRONY FINANCIAL
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 have an credit with Amazon Synchrony bank which has been charged off. Because I am having hardship I am now receiving help from a company which helps consolidate my debt. They have been making the agreed payments on time each month however it is still being reported that I am delinquent every month which is affecting my credit score. I was told by a representative when I called Amazon credit card department that I have to pay my full balance in order for them to stop reporting to the credit bureau that I am delinquent. This is wrong if I expressed that I am having a financial hardship and the program which is helping me is making timely payments. This is a form of bullying in order to get me to pay the full balance which I am not financially able to pay at this time.

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 2020-12-04
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: Account information incorrect

Complaint:
XXXX XXXX is reporting that I have {$21000.00} in unpaid student loans on my credit report, and this information is not accurate. I have asked XXXX XXXX to correct this for months, and gone through multiple disputes with the credit bureaus, still to no avail. XXXX XXXX simply remains negligent by continuing to allow these accounts to report balances, which is a complete falsehood. The problem started back in 2018. My loans were in good standing, and I was making regular on-time payments every month. Then, out of the blue, XXXX XXXX contacted me and said that I no longer had any balances due, and they would no longer would accept payments from me. Shortly thereafter, these loans started reporting as collection accounts with unpaid balances. Since this time, I've been trying to get XXXX XXXX to correct their reporting error, but they continue to neglect their obligation. To help with your investigation, I am including correspondence from XXXX XXXX, where they openly admit that I no longer have any balances owed to them for these student loans. However, they still haven't properly updated the accounts.

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 2018-04-02
Company: BlueChip Financial
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have come to find out they charge an illegal interest rate in the several hundreds. I have paid back the loan, but I was and still am struggling to make ends meet because of this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Car Credit Finance, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I make payments than they go up on my payments. And when you make payments it go down not up and they change things on my contract of payment its 45 not 46 in they keep on change the finance company XXXX. 
Car credit finance office XXXX XXXX XXXX fax XXXX XXXX XXXX XXXX  XXXX XXXX fax XXXX and they get smart with you on the phone all the time the mgt. And she fraud my name on the car to sale with out my permission and still make payments. And the car is toll loss from a accident last year XX/XX/2019 .recall salvage and lien on the car and a illegal register with somebody else name on it not mine and the same car vin number of the same car. But the dealership is saying they neither had nobody by that name come in for a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Medical Business Bureau
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This was the subject of a prior complaint which was responded to and for which company did not do what it said it would do in effectively removing collection from credit report. I called the CFPB with feedback about the company 's non-compliance and the representative said to go ahead and file yet another complaint against MBB. 
Rather then recount facts, see below and please consider as a resubmission for same : XXXX CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Debt collection ISSUE Took or threatened to take negative or legal action YOUR COMPLAINT Medical Business Bureau, XXXX, a third-party debt collector purchased an erroneous balance from XXXX XXXX XXXX in XXXX of {$360.00}. The health care provider was paid in full by insurance for a diagnostic test ordered same-day STAT by my treating physician. Any overage claimed as out of network but should not have been charged at all. The debt collector refused to settle the claim for less than {$290.00} and has continued to report a delinquent account to credit bureaus, causing negative impact to my overall score. They have also refused to divulge the registered agent for service of process for legal action regarding violation of 809 et seq. of the Fair Debt Collection Practices Act. 
STATUS Sent to company on XX/XX/XXXX STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We have requested that the account be deleted from the consumer 's credit file and are checking with XXXX XXXX XXXX regarding the payment. Medical Business Bureau has not purchased the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: EQUIFAX, INC.
State: NJ
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:
There is a bankruptcy on my report that equifax did not verify with the court and its not mine, they are using infirmation from a 3rd party credit reporting agency who im also disputing it with, because they did not verify using my 9 digit social nor did they verify with the court. Equifax removed this bankruptcy then readded it to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Colony Brands, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/XXXX, I applied with XXXX XXXX and ordered a product. Upon receiving the merchandise the product were defective and I returned the product. In XX/XX/2020. XX/XX/2020 I received a call from from XXXX XXXX says that I owe their company {$47.00} for the shipping and return of the product. I explained to the rep that the product defective and I returned it and didn't agree with the charges and that's when I were told that I would be given a credit of {$47.00} the amount owed and didn't have a balance. In a rebuttal of me asking for the credit they company added another credit inquiry one my report on XX/XX/2020 in my XXXX credit report I called XXXX that showed on my XXXX account for XX/XX/2020 and were told they pulled my credit for XXXX XXXX and I need to call the credit bureau to have the account removed from my credit. I called XXXX and were told they couldn't remove the inquiry with it shows 2 times in on month just call the company and they can electrically removed and that they would make adjustments. I called XXXX XXXX and were told by the account manger by the name of XXXX XXXX she said she didn't see that my credit inquiry twice nothing she could do after being placed on hold for over 50 minutes.

Company response to consumer: Closed with explanation