BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Recently I was informed about a lawsuit against Santander Consumer USA for sub-prime loans. I myself had a loan with Santander and believe that I may be one of those loans. 

On XX/XX/XXXX, I acquired an auto loan from Santander Consumer USA. At the time of obtaining this loan, because of extenuating circumstances my credit was very poor. My primary automobile was no longer working and I needed an automobile. 
XXXX XXXX at XXXX in XXXX, DE and was approved for financing. The loan was a tier 3 loan and the interest rate was very high, 25.99 %, but I did not really have choice. 

I accepted the loan with a payment of {$520.00} for 72 months, starting on XX/XX/XXXX and ending XX/XX/XXXX. Over the course of the loan, I was offered an extension 3 times and was told the payment would be due for those payments at the end of the loan. This extended the payoff date of XX/XX/XXXX, making the loan 75 months. All payments were made up to that date. 

At that time Santander Consumer USA informed me that I had to pay a balance of {$9200.00} in order to obtain the title to my vehicle. All of the installment payments had been made, including the extension payments. I questioned them about the balance and never received an answer as to why a balance remained. They then started reporting late payments to the credit bureaus for this balance, destroying my credit even though all installment payments were made. I asked for the loan amortization sheet. Once I received it, I noticed there was no pattern as to how the payments were credited to the principle and interest. It did not follow a traditional amortization. Usually in the beginning you pay more interest and towards the end more principle is paid. This did not happen. 

Santander continually harassed me for the balance and threatened to repossess the vehicle. I ended up taking a loan out from my XXXX to pay the {$10000.00} they demanded. After several weeks they released my title. 

I can not believe that this is a normal, ethical business practice. I am writing to find out if there is any recourse available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Experian Information Solutions Inc.
State: MO
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:
How did the student loans ended on my credit report? They do not have a place here. It could be that this creditor just made a mistake because the loan is in deferment. Please remove the multiple entries on student loan! US DEPT ED XXXX, XXXX XXXX, The following accounts do not reflect their accurate status. They were taken cared of. I paid them in full as agreed. It is not accurate, take them off 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 non-monetary relief
Consumer complaint received 2021-05-12
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest Recovery Services at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX has been sending me collection notices in the amount of {$2000.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was credit card opened fraudulent in my name in 2020. I reached out to the company originally at least 3 times and they refused to listen and acknowledge that the account was not mine. They then sent it to collections, and they are still refusing to have it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: JPMORGAN CHASE & CO.
State: PA
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 contacted JPMCB, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
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:
I have submitted several disputes to Transunion regarding XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. All these accounts are closed on my credit file and are reporting negatively. Transunion is constantly stating the accounts were VERFIED/BELONGS TO ME, and the creditors have not provided any VALIDATION OF THESE ACCOUNTS. Also Transunion has not provided me with any VALIDATION OF THESE ACCOUNTS. Transunion constantly sends me an updated credit report that these accounts BELONGS TO ME. I requested from Transunion what did the company VALIDATE with them, and I have repeatedly been ignored. Transunion and the listed companies above have refused to provide a VALIDATION WITH A CONTRACT SIGNED BY MYSELF.
I received two notifications from XXXX and XXXX XXXX XXXX to remove from my credit file. Please see attached.

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 2021-05-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase has been holding {$50000.00} of mine " XXXX  '' since XX/XX/XXXX. 

On XX/XX/XXXX, I submitted a wire transfer in the amount of {$50000.00} from my newly opened business checking account ( XXXX XXXX XXXX ) It was being sent to a recipient I had already sent to before from my personal account. The money was taken from my account immediately, but the wire WAS NEVER SENT. ( screenshot attached ) I then received a message from their " secure messaging center '', because it is impossible to speak with a human being regarding this. The message asked for more information, specifically the birthdate of the recipient. I responded with the correct information. 

3 days later I received a response asking for the same information. I responded with the correct information. I received no response. 

At this point I became very concerned with the safety of using Chase for global transfers and asked for the wire to be canceled. I also enlisted the help of my local branch manager who have been spending hours trying to help. It is impossible to effectively communicate with Chase online or on phone. 

FINALLY after requesting over 30 times, the wire was canceled/rejected on Thursday XX/XX/XXXX. I received an email from Chase saying the wire was cancelled " due to a processing issue '' ( screenshot attached XXXX Though the money was taken from my account, it was never sent to anyone, so Chase still has the money. This has been confirmed by the branch manager. 

It has been a week now since the wire was canceled, and they still have not returned my {$50000.00} to me. They have been impossible to communicate with. 

They assigned the case to the executive office where I spoke with someone named XXXX. He was not helpful and did not ask me a single question. He did not reassure me in any way and was generally dismissive. He gave me no clear timeline and as not returned my calls. He said he has until XX/XX/XXXX to respond to a complaint. 

He could not explain to my why the money was taken from y account, the wire was canceled and the money wasn't returned. 

This whole situation seems highly unethical, if not criminal. 
I'm going to default on my tax obligations and other debts without this money. 

The branch managers of Chase have been trying to help me and have made me very concerned. They are are unable to get information, and have eroded my trust in Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: General Financial, Inc.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I obtained a copy of my credit reports and discovered an account under XXXX XXXX pertaining to a collection. I sent my first letter ( XXXX/XXXX/XXXX ) disputing this account and also requesting validation. They responded but did not provide a valid signature. I sent another letter on ( XXXX/XXXX/XXXX ) again requesting validation, however ; again they responded but without a valid signature. According to federal law, XXXX XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they did not. I also requested validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. The company sent me some papers showing my name typed in, which is not a signature. Anyone can type a name, so please send me proof of a signature that shows validation. 

I have retained a copy of their signature and date of receipts, as well as time-stamped copies of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. Additionally, they have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, should they continue in their non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind them that they may be liable for their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-14
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The debt with the company XXXX XXXX was paid in full on XX/XX/2017 however nobody filled this paperwork with the court. When you attempt to contact this company you get a recording stating to call back during working hours even though I have called during those hours. The other company involved in this case is Midland Credit Management. When I call this company I am told they are unable to talk to me because there is an attorney involved. When I ask for that information they are unable to provide it to me. I have paperwork showing I have paid my debt in full but nobody will submit that paperwork to the court and remove the lien. It has been removed from my credit but still shows up in the court system as an active case. This is now preventing me from getting a home equity loan that I am more than qualified to receive. 

I am not sure what else I can do at this point as the company has my money but will not file the proper paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureau to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, an unauthorized transaction in the amount of {$1000.00} was deducted from my Suntrust ( Truist ) checking account. The funds that were taken from my bank account was transferred to another XXXX XXXX crypto currency account. I have an account with XXXX XXXX ; however, I did not authorize this transaction on XX/XX/XXXX XXXX. 
I have a XXXX XXXX account, and I called ( XXXX ) on XX/XX/2022 to investigate this matter and they confirmed that a {$1000.00} was stolen from my bank account and applied to another account and that they did not know where the money had been applied. 
On XX/XX/2022, I went to Suntrust bank, and they also confirmed that the funds had been taken from my account and I completed a form that stated that I did not authorize this transaction. I faxed the form to corporate offices the next week and they stated they would respond in XXXX to XXXX days. I got a response the next week and they denied the claim and the reason was now error occurred. 
I contested this decision from Suntrust ( Truist ) Bank and I have submitted a rebuttal in which is currently pending.

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 2018-01-10
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. 
The debt validations were sent on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Experian Information Solutions 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 disputed a negative impact on my credit report with experian. The comapny was XXXX XXXX  who is an ambulance provider. The original debt is a little over {$2000.00} and with the interest they have charged me its over {$4000.00}. I offered them {$1000.00} all I had with no job and moving across the country along with the covid 19 going on. They refused the amount I had to offer. This account is 6 yrs old. Experian did not do much to get it off. It is still 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
Consumer complaint received 2022-03-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Chase Credit Card Services is reporting a XXXX days late and a XXXX days late in XXXX and XX/XX/XXXX after I paid the account in full in XXXX of XXXX. 

At the time of payment I contacted Chase and was told what the balance was and paid it in full ( please see the attached letter ) and there would be no other charges. Chase then proceeded to apply interest on the previous paid balance but did not send a statement or an alert. 

Because they had closed and ended our banking relationship in XXXX of XXXX I had no idea there was an outstanding balance until I logged back into my online portal in XX/XX/XXXX to get statements for tax purposes. I paid the balance immediately asked the rep had my credit been compromised and was then misled by the rep and told no. 

This is completely unfair. Chase has proceeded to stonewall me, not answer my questions in the dispute and continue to report false information. 

please help me. see the attached letters

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was in process of a cash out refinance with Wells Fargo on my home and have been given multiple options with completing the process, however the underwriter contacted me directly asking inappropriate personal questions about why I chose to move to the area of XXXX. 
The next day ( today ) I was given unreasonable lists of documentation to submit that are not typical or necessary. I have over the amount of the pending mortgage at this banking institution and 4 times the amount of pending cash out in property.

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 2017-07-31
Company: Empowerment Ventures, LLC
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XX/XX/XXXX I filed a dispute for charges on my RUSH CARD account that i did n't authorized ( XXXX $ ), RUSH CARD said they will issue me credit until the investigation was conducted. Then 4 days later on the XXXX RUSH CARD closed my account i asked could i open up another one, because all my direct deposit are sent to my account. A supervisor said YES, that all i would need to do was mail in proof of my address, Social security card & drivers ID ( all my personal information ) so i faxed & emailed all my personal information on XX/XX/XXXX@ XXXX. after talking to 3 people including a manager, supervisor & sales rep they said i could n't open up account. Since giving them my personal info things have popped up on my cerdit repot ( so someone is using my ss number from RUSH CARD ) i still dont have my MONEY.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-30
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Transworld system placed a collection on my credit report in XXXX off XXXX from a collection that supposedly took place on XXXX XXXX. I have never been informed of this account. It also has a natural disaster remark on it and I have never been affected by a disaster. I have tried calling the company several times with no answers or response just their voicemail. They will not return my calls. I do not see how they can just add something to my credit from three years ago without any notice to me that a bill was owed or for me to verify that it is even my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: EQUIFAX, INC.
State: NY
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 credit reporting agency is not fixing an issue I am having with wrong information on my credit report. Today I viewed on XXXX XXXX that equifax deleted my XXXX account off my credit report this account should not have been deleted off my credit report. I never gave permission to delete it. Having this account deleted brought my credit score down. My next issue is XXXX XXXX XXXXXXXX that is reporting that should not be reporting. I submitted substantial proof along with speaking to the CEO of XXXX XXXX XXXX and it was confirmed to be removed from my credit report. Instead of removing it equifax added a remark to this account. This is completely wrong. I am very discouraged in getting equifax to correct these issues. Another account XXXX XXXX XXXX XXXX is reporting as me including this account in bankruptcy. I never filed for bankruptcy. How can they put such false information. I fully expect that this bankruptcy comment be removed off my report. I 've also uploaded proof from experian that these other 2 accounts were removed from my XXXX credit report. Equifax should have received the same information.

Company response to consumer: Closed with explanation