BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
State: GA
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/2021sent 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 im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to theXX/XX/XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Santander Consumer USA Holdings Inc.
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:
These were hard inquiries on my report that I did not authorize, I already filed a police report and contacted the companies listed directly. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company billed me extra {$260.00} last month and they have not provided any explanation why? I do not know what happened to my money as it was not included in payment. I asked them to correct the mistake but they have keep saying they are working on it! I am greeting tired of mistakes of this company and their costumer care. there should be a penalty for such companies who waste people time and money. I wish I was able to change my mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: Early Warning Services, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On or about XXXXi sent request to Early Warning Services to place a security freeze on my file. Today i received their response saying that they refused to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: Southern Auto Finance Co
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This company called Safco has a balance of {$9700.00} reporting on my credit report I have reached out to them and asked them to validate this debt because this account is not mines and I wanted a copy of the bill of sale, the original contract bearing my signature, the date o f repossession, the date it was sold at the auction, the receipt of auction sales, and the computation of thIs balance so I can see how my name got attached to this loan/ lease, I have sent multiple letters to this company asking them for the information and also to remove the negative entry from my credit profile as per the fair credit reporting act section 609, 623, 605, 611 and 604, this company in over 90 days as not replied and still continue to verify information with the credit bureaus, whatever verification is going to the credit bureau for this account to remain I need it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Metropolitan Home Mortgage, Inc.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Hi.. In the beguiling of the process of a refinancing the loan.. 

I specific ask some cash out. My mortage agent XXXX XXXX was who original talk to and everything when as plan i had few issues with some of the collections the i told them the i want to avoid pay them, for a reason, I ask a XXXX k cash back so i can pay and seatle my self for a low amount of money and safe me money of the end.. 

But the problem i have now they when and go ahead and pay all this collections with out telling me about what was being pay.. i thought i was getting the XXXX but they pay all this accounts by not letting me know.. they lie to me and i got on XXXX ..in return they pay all this accounts and after all this accounts i got left XXXX my irritation with the company is that i was not aware and they new that and didnt tell me ... now i have a refinacing house with outrage interest.. 

I trust the agent to do keep me inform and advice me of bad situation but at the end they just want the sale didn't care about the person behind.. 

this situation got me so rage and cost me XXXX dollars for their actions ... 
mister XXXX XXXX when i confronted accepted the mistake i have one audio recording as well that he was accepting the mistake he made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: SC
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:
This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( Equifax ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. 

I Demand Deletion of items and information plus I demand monetary compensation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX  XXXX {$4300.00} XXXX  XXXX {$3500.00} XXXX   XXXX {$12000.00} XXXX XXXX {$1300.00} XXXX XXXX {$850.00} XXXX  XXXX {$4300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 {$560.00} was taken out of my impound account for no reason given, from Amerihome mortgage company. In XX/XX/2020 when I saw my statement, I saw this error of money taken out. I called them and they told me it was an error and I will be refunded. In XX/XX/2020 no refund arrived. I called back and was told the ( check # XXXX ) was sent out but never cashed. I told them I never received it, they said they will send out a replacement check. In XX/XX/2020 I never received that replacement check, when called back and was told the replacement check would be sent out on XX/XX/2020. Today is XX/XX/2020 and still no replacement check for the {$560.00} that was taken out of my impound account with no explanation ( only calling it misc. and no understanding where that money went ) I would like help in getting back my {$560.00} that was taken wrongfully from my account and I did not agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022, XXXX XXXX XXXX XXXX XXXX initiated an unauthorized wire transfer of 401 ( k ) funds to JP Morgan Chase. The funds were sent to an incorrect and unauthorized account and now JP Morgan Chase claims that they can not find the wire. 
Both companies are aware of the situation and both companies claim that the other company is at fault. All while the customer ( me ) is trying to track down retirement funds, to no avail. 

XXXX XXXX XXXX XXXX XXXX has offered friendly and helpful customer service, but can not do anything for me such as recall the wire. JP Morgan Chase has presented itself with terrible customer service. Every time I call, I have to restate the story from the beginning and I get transferred to multiple people who have no answers. When sending secure messages via the Chase website, I receive canned responses which offer no resolution. I have sent multiple messages, and even waited for more than 7 weeks for a response.

Furthermore, this unauthorized wire transfer of 401 ( k ) funds has tax implications that I will have to bear unfairly. 

Thank you for reading my complaint. I hope this will resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
These were hard inquiries on my report that I did not authorize, I already filed a police report and contacted the companies listed directly. 

Capital One Auto XX/XX/XXXX XXXX-XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX Capital One XX/XX/XXXX Capital One XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: The Collection Connection
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ON XX/XX/2017 XXXX XXXX XXXX WAS FOUND BY MY CREDIT CARD COMPANY XXXX THAT THE CHARGES THE COLLECTION CONNECTION IS TRYING TO COLLECT FOR WAS FOUND TO BE FRAUD AND MY CREDIT CARD COMPANY REVERSED THE CHARGES BACK DUE TO FRAUD. 

I AM RECEIVING LETTERS FROM THE COLLECTION CONNECTION AND THEY ARE TRYING TO COLLECT ON THIS AMOUNT THAT IS FROM XXXX 2017 THIS WAS DEEMED FRAUDULENT AND CHARGES REVERSED BY MY CREDIT CARD COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Orions Management Group, LLC
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This account was opened in XXXX of 2015 fraudulently. My identity was stolen and several accounts were opened in my name. I have filed with the FTC and a police report and have sent this to the company and they have ignored it. They have since sold it to Orions Management Group LLC and this company will not leave me alone. They keep calling me and harassing me and threatening me with civil lawsuit and judgement. When I told them the last time they called that this account was fraud due to identity theft they tried to blame it on my family and my husband. The account they claim was used is not mine. Orions have also put this on my credit report and this has hurt my credit. I also have told Orions that they broke the CROA law and that this has exceeded the Statue of Limitations for fraud and identity theft. I asked them to provide me with paperwork that has my actual signature on it and they told me they do not have it. They sent me paperwork via my email that was emails sent from a phone that was not mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
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:
My XXXX XXXX XXXX XXXX XXXX was totaled in a non fault accident on XX/XX/XXXX. The vehicle was a lease. Chrysler received {$31000.00} from my insurance carrier on XX/XX/XXXX. 
The payoff on my XXXX was only {$20000.00}. Both XXXX & Chrysler told me the overages are equity since the value of the car was paid & would therefore be paid to me along with my XXXX & XXXX car payment that I made after the car was deemed totaled. 
To date, I still do not have any of this money. 
They wanted my bank statements showing I paid my monthly payments even though they were posted & cleared on my account. The insurance money, they said they were holding for 45-60 days. 
After many phone calls & lots of fighting Chrysler said they issued me two checks on XX/XX/XXXX. One check for {$240.00} for my XXXX car payment & the second check for {$10000.00} for the insurance overages. They sent the checks to my mom at an old address. My mom is a co-signer on the account but I pay for the vehicle & they have my correct address & information. 
I was not informed that the checks were not sent directly to me nor was I informed that they received the checks back in return mail. I found out when I called them on XX/XX/XXXX to check the status of the check processing. 
On XX/XX/XXXX they assured me the address was updated & the checks would be reissued with in 72 hours. As of today, still no checks. 
I called Chrysler again tonight. I was hung up on. Transferred several times to be told that they can not tell me the exact date the checks were reissued or what address they were reissued to. They told me they would email the accounting department & I can call them back Thursday. 
This is whole situation is completely unacceptable! I have made countless phone calls to Chrysler since XXXX. I have been given misinformation & lied to several times. 
I need my insurance money to get another vehicle. I still do not have a car after 4 months. Chrysler also still hasn't issued me my XXXX car payment. I don't know what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2020-07-28
Company: The Outsource Group, Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Medicredit has reported on all 3 major CBRs that this is a new account as of XX/XX/2020, they are reporting me as currently late on a new account that is not classified as medical debt, and they are continuing to damage my credit by violating the federal C.A.R.E.S act. Not only that but the original creditor has a computer problem on the date that I believe I recieved service and they do not have the correct information either.

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 2021-02-25
Company: LEXISNEXIS
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I requested for Lexis Nexis to verify a eviction with the ORIGINAL CREDITOR ( XXXX XXXX ) due to inaccurate information being reported. They have failed to send me any documentation that I requested via mail on the letter. At this point I would like this eviction to be removed from their records immediately due to no response. If it is not removed and they can not or have not provided the necessary documents from the ORIGINAL CREDITOR to verify/validate the eviction per FCRA guidelines this need to be removed from their records immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: TD BANK US HOLDING COMPANY
State: NY
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/XXXX three ( 3 ) Fraudulent charges were debited to my checking account via debit card account. I did not authorize in anyway these charges and alerted TD Bank that these 3 charges are fraudulent and put in dispute. Charges were {$260.00} XXXX {$500.00} XXXX {$300.00} XXXX XXXX. 
I have held account at original Bank XXXX since XXXX which then later was purchased by TD Bank. I had been a customer for 14 years. I personally went to a TD Bank branch and submitted Claim. Subsequently the claim was denied and TD Bank representatives asked if I wanted to re-file claim which I did 5 times since initial claim and each time claim was denied.. Denial reason was TD Bank confirmed reaching out to Merchants and the merchants confirmed chip card was used. I advised each time impossible because I was in possession of Card and indicated that TD Bank re-review my statements because the statements indicated the card in my possession was used in XXXX XXXX XXXX XXXX by me on the same date XX/XX/XXXX, paying for Hotel and getting Cash from an ATM. I was not in the United States to make such transactions. On the XXXX dispute submission I was instructed that I should get a police report which I did and was given to TD Bank in XX/XX/XXXX. Dispute was then denied again.. TD Bank sent me notices and closed my accounts in XXXX, XXXX. In the interim I reached out to all 3 merchants, XXXX responded by sending notice that TD Bank is only authorized to settle dispute and refused to provide details and XXXX, no response. XXXX did follow-up and I received notices from the Executive offices as XXXX researched and advised me TD Bank had never contacted XXXX in reference to this Claim and upon review determined indeed it was a fraudulent charge.. XXXX returned the funds to TD Bank but having closed my account I was not contacted advising funds had been returned. I was not aware so when I called XXXX at the beginning of XX/XX/XXXX it was advised to me the funds were returned and TD Bank made me get a reference number to find funds at TD Bank. TD Bank then returned in cash to me those funds but denied any reasonable correlation to XXXX for the XXXX and XXXX charges and advised me they would not return and if I wanted to pursue further I should seek legal means..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: MI
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-02-16
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MIDLANDCRE is claiming that I owe them {$630.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, 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:
I never gave EQUIFAX permission to report anything on my consumer report. No conscent is identity theft. 
15 US CODE- 1681a ( 4 ) congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS of credit reporting. ( 4 ) THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALLY, AND RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY. 
Also equifax shared my consumer profile with XXXX XXXX in regards to an account on my report I was disputing. I did not give EQUIFAX permission to reach out to transunion in regards to an account. On my consumer profile On XX/XX/XXXX. I discovered This information on XX/XX/XXXX XXXX. I was informed by the worker who name is XXXX. I dont agree with the actions EQUIFAX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: E*TRADE BANK
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
A stop payment was requested for funds being taken from our account which the bank issued and then allowed XXXX to remove the funds from our account in the amount of {$160.00} and {$130.00}. When I noticed that these funds was removed from our account I called the bank who stated that their is nothing that can be done because the way that XXXX went around the stop payment request that was filed with the bank. This goes to the other complaint that was filed with your office in early XXXX 2016.

Company response to consumer: Closed
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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