BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-23
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My family and I were and have been deeply effected by XXXX as many have. I lost my job immediately in XXXX of XXXX and did get another till just this past XX/XX/XXXX. The lender was helpful in beginning and able to put payments at end. I was in contact multiple times of my situation. Then fell so behind this past XXXX into XXXX. They said no more XXXX help even though many of deeply impacted and still feeling effects. I cant loose my car, or I cant work. I am trying to catch up as I resumed work and prayed and begged for help. I would with everything going on they would help see by payment while XXXX was large a few small that was trying. I had fallen almost XXXX behind because of XXXX out of work. Every other bill from utility to mortgage has been forgiven and worked with us. If they would help with the amount of XXXX I fell behind on and move to end so I could get caught up and back on track now that I am working that would beyond a blessing but instead lets kick us while we are down threaten to take car and now I go to make a regular payment for XXXX only to find out they charge off account. I need my car and I cant just go get another. I am desperately trying and have been in contact countless times about this. XXXX is not made up and many of lost work and regular wages and while for many life resumed to normal it not for all. Everyone circumstances are different every one has struggled and I just think in a time where this deeply effected us and still has an impact and we are trying to come out the other side and survive this they should be willing to help more or make the situation worse and more stressful for those of us trying so hard to come back from something we never planned for and that was complete out of our control. My hope is this will urge then to help more and not charge off my account but work on my balance I fell behind on so that now that I am working I can make my regular payment. Very hard to do so when you cant pay the XXXX in XXXX lump. I just pray they will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Tower Loan of Mississippi, Inc.
State: MS
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:
On XX/XX/2017 ... i checked my credit report and saw that i had XXXX hard inquiries on my credit report. I called the three companies over fours times with no results ... just holding on for 30 to 40 minutes and being passed from one department to the next one. I called XXXX and they did'nt follow policy correctly ... .i told them three times on the call that i wrote letters and no response and the XXXX agent told me to keep trying ... its nothing they could do for me ... ... i am so tire of the run around and games.I need help!

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

Company 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 2019-04-01
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
I opened an account with Chase Auto in XX/XX/XXXX and I had to pay my account by XX/XX/XXXX which was 60 month term loan. 
I paid off my account in XX/XX/XXXX, 9  months early. 
I received a letter from Chase in XX/XX/XXXX stating I have {$29.00} dollars with {$10.00} late fee still to pay and I paid that immediately upon receiving the letter, this was my only notification. 
I am an XXXX and XXXX XXXX with a busy schedule. 
My understanding was that I had paid off my account in XX/XX/XXXX. 
Now chase reported that I had a late payment. 
The late payment they say is for {$39.00} dollars which was my interest only and I wasn't aware till I received the letter. 
I did not get a phone call at all regarding my payment. 
I have requested them to remove my late payment, they said they do not see any late payments which is true but refuse to take the 30 days late payment off from my credit report. 
I have tried several times but unfortunately they said they can not remove it and asked me to dispute with the credit bureau. 
I would like CFPB to request the Chase Auto Bank to remove the late payment of {$39.00} dollars from credit reports which was the interest money after I paid off my principal amount in XX/XX/XXXX. 
Can you please address this and remove the late payment from my credit report payment history. 
My intention was to pay off my auto loan as soon as possible. 
I think it is only fair that the interest amount should not be made my late payment after I completely paid off my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On late XX/XX/XXXX, we asked RoundPoint Mortgage Servicing Corporation to reduce our monthly mortgage payment of {$2300.00} which we considered was extremely high and we were unable to pay. We have a FHA loan for a small townhouse of 1893XX/XX/XXXX sqft. and at that time our interest rate was 3.625. They asked us to fill out a Borrower 's Assistance application to see how they could help us. The application was delivered to the Hardship Department on XX/XX/XXXX per the attached XXXX receipt. The person assigned to our case was XXXX XXXX which throughout the process was extremely rude. Nonetheless, he approved us for an initial trial period plan for a modification agreement ( attached ). I would like to highlight that before we signed the trial agreement, XXXX said that WE ONLY HAD TO PAY WHAT WAS ON THE AGREEMENT, SO 4 PAYMENTS FOR {$1800.00} EACH. Instead RoundPoint kept collecting in the background the original mortgage payment of {$2300.00} WITHOUT TELLING US ANYTHING. We complied with all 4 trial payments which led to the approval of the Modification Agreement ( attached ). It was only after we had signed the Modification Agreement and completed the paperwork that 2 late payments appeared on our credit report, one for 30 days and the other for 60-90 days!!! We complained to RoundPoint asking why they had reported 2 late payments to the credit agencies and they answered that it dated back to the trial period and that because it was a " trial '' agreement and not yet the modification agreement, we still had to pay {$2300.00} monthly. We told them that XXXX had clearly stated that we only had to worry about the trial payments, nothing else! If we asked RoundPoint for help in the first place was because we could n't make payments of {$2300.00}. But instead they lied to us and never told us what they were doing in the background. We have never been late 30 days on any payment! Now we have 2 UNFAIR late payments on our report that will stay there for 7 years!!! They are by far the worst mortgage company out there. You will only read the worst reviews about them in the internet.They are extremely disorganized, unprofessional, dishonest and should be out of business!!!

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 2022-01-11
Company: Experian Information Solutions 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:
Disputed with the company on XXXX, XXXX of XXXX. Company received my disputes. It is now XX/XX/XXXX and i've Yet to hear back from the company about the method of verification I have asked them. They stated they will no longer be disputing anything until I provide new information. The FCRA gives the company 30 days to respond, I have been patiently waiting for the method of verification from them. Since it has not been provided can you please ask them to delete these accounts off of 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 2018-01-16
Company: Eastpoint Recovery Group, Inc
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I filed a complaint asking to not be contacted anymore. The same person called me again and left a really unprofessional voicemail, accusing me of hanging up on him and using sentences like the funny thing is ... You would think this is a personal matter to this individual. Again I do not want any more phone calls from this company and I dont want them contacting me or people I know again, they already did once and asked to take a message. And I dont want to be harrassed anymore. I want them to leave me alone and stop threating me with further action

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My husband passed away unexpectedly XX/XX/21. He was a XXXX veteran who was receiving his pension, XXXX, etc, direct deposit in his Chase bank account. I am listed as a beneficiary, and Chase has already confirmed that. Ive given death certificates, letters, etc, and its verified that XXXX account is now mine. A few weeks ago, I went to withdraw money, and when denied I immediately called Chase. I was told they put the entire account on hold in anticipation of a possible overpayment by Social security, and froze the account until the bank could verify the deposit wont be taken back!! When I confronted the bank they finally agreed to release the amount minus the possible overpayment, and the hold should be lifted soon. I cant pay bills! Go see the doctor! Pay rent! Pay for a funeral! They are currently holding more than {$5000.00}, even though one deposit was under {$2000.00}!? I need help! 
My husband fought for his country, and worked for decades for that money, and Chase has NO right to withhold funds for several weeks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had a dispute with a seller about a transaction which I initiated through Paypal and then initiated a chargeback through XXXX. This was done on XXXX, XXXX. Fast forward today, paypal claimed that I won the case and they sent the money to Visa a long time ago ( in XX/XX/XXXX ). I have confirmed with chase that they have never received any money from paypal or visa either. In addition, XXXX claims that they can not speak to Visa on my behalf either. I need to speak with someone at Visa because the funds are now missing and Paypal and XXXX does not have them. I tried to speak with Visa before and they told me to speak to XXXX, who again, is telling me they can't contact Visa. 

When contacting Paypal they are incredibly unhelpful. For example they are sending me messages ( even meant for the seller ) saying that the transaction has no seller protection ( even though the Buyer ) In summary - The buyer ( me ) doesn't have the funds. The seller ( siegestudios ) doesn't have the funds. Paypal claims they don't have the funds and sent the money to chase. 
XXXX claims they don't have the funds. Paypal is telling me to contact XXXX because the case is closed. XXXX is telling me to contact paypal because the case is closed. 

Where is the money???

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

Company 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 2019-04-01
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX in XXXX XXXX NY is under new ownership and has sent every account to collections whether they owed money or not.

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 2019-04-01
Company: CITIBANK, N.A.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account was opened in XX/XX/2011 supposedly in my name. I have contacted this company several times informing them of this matter ... ... .I have had harassing phone calls from them in the past and it has started back. This is an fraudulent account opened in my name without my permission. I have requested documentation from the company as far as anything linking me to this account like a copy of my identification or an application signed by me and by law I have the right to request this documentation. They have failed several times with providing me with this documentation. They are reporting this incorrect information to the credit bureaus and it is detrimental to my credit worthiness.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Experian Information Solutions Inc.
State: CA
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:
1st most important, I paid off all creditors, copies were mailed to them and/or annual creditreport.com Now Experian has some sloppy cryptic blunders obviously illegal unacceptable, I called them 4 times today put on asinine holds, then some derelict pretends to be there dispute specialist puts me on hold with there robot to start over and/or aggravate me!!! Real incompetence, childish ineptitude!!! XXXX XXXX does NOT show that I paid them off!!!! Even worse more illegal is some derelict collection agency called XXXX made a illegal inquiry in my file, I was NOT informed what there excuse and/or real purpose other than to obviously harass me, conniving blunder to blemish my file!!! I don't care who these scumbags pretend to be, this is a 4 year old slumlord issue, I paid off some inapt collection agency hired by this slumlord, calling themselves XXXX XXXX from XXXX, CA. WHO exactly are these derelicts called XXXX? What exactly are these clowns doing in my file? Duplicated idiocy and harassment, illegal use abuse of my credit file?! # 2nd XXXX blunder is XXXX XXXX, I bought my truck with cashiers check paid in full, obviously they did NOT have my permission to make any clumsy inquiry, PLUS, I told them more than once to stay out of my file, NO real purpose, or excuse since I paid in full, now I have this cryptic clumsy inquiry, until XX/XX/2021, unacceptable, illegal, Even more idiotic is they got my wifes name in my account, unacceptable also, this is MY account not hers??? Then there is some sloppy blunder calling my land ladys house a transportation business, idiotic inaccurate also, my landlady/owner is a widow [ old ] cant drive anything?! #

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 2021-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have sent letters to XXXX, XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section XXXX ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that 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. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All XXXX penalty of perjury, I swear this account is false and misleading XXXX XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence. 
Under XXXX XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX XXXX ( XXXX ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data XXXX Direct Violation of The FCRA Reporting falsely. 
Under XXXX XXXX XXXX XXXX ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
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:
The FDCPA has been violated by XXXX and the Parent company. I've repeatedly requested that this be removed from my credit report as well as requested information validating the debt and your company has refuses. On XX/XX/2014, my son XXXX XXXX was treated for a XXXX at XXXX XXXX. The insurance provider, XXXX paid the medical provider {$820.00} at discounted rate according to the XXXX XXXX XXXX network Agreement.  However, the medical provider group for physicians sent my information to a collection agency and I informed them about the issue to remove it from my credit report and they refused to remove it or validate the debt, if any owed on the account. The account need to be removed immediately.

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