BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-12
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
IN XXXX OF XXXX SOMEONE FRAUDULENTLY OPENED A DISCOVER CREDIT CARD USING MY PERSONAL INFORMATION. THE CHARGES MADE ON THAT CARD ALONG WITH THE PAYMENTS MADE WERE NOT DONE BY ME, THEY WERE NEVER AUTHORIZED BY ME. AS SOON AS I FOUND OUT ABOUT ABOUT THIS I DIRECTLY CONTACTED DISCOVER AND ASKED THEM TO CLOSE THE CARD, AT THAT TIME THE CARD WAS AT XXXX BALANCE AND DISCOVER CLOSED THE CARD AND REMOVED IT FROM MY CREDIT REPORT. BUT LITTLE DID I KNOW THE PERSON HAD ORDERED A DUPLICATE CARD WHICH HAD A DIFFERENT ACCOUNT NUMBER BUT IT ALL FALLS UNDER THE SAME ACCOUNT WHICH IS REMOVED FROM MY CREDIT PROFILE. AS OF XX/XX/XXXX DISCOVER IS REPORTING THE CARD ON MY CREDIT REPORT AGAIN, AT THIS POINT I HAVE SENT THEM MY IDENTITY THEFT REPORT, MY POLICE REPORT AND PROOF OF MY ACTUAL ADDRESS WHERE I LIVE AND WHERE I RECEIVE ALL MY MAIL. SO I SENT THEM VERY PERSONAL AND CONFIDENTIAL ITEM TO THEM MY RETIREMENT/PENSION DOCUMENTS. NOW THEY ARE SAYING THE PROCESS IS GOING TO TAKE ANOTHER 30 DAYS FOR THEM TO REVEIW AND INVESTIGATE. I HAVE BEEN TALKING TO MAYBE 10 DIFFERENT PEOPLE AT DISCOVER AND I KEEP TELLING THEM HOW ARE YOU INVESTIGATING WHEN NO ONE IS CALING ME CONTACTING ME AT XXXX NUMBER I AM GIVING THEM TO VARIFY ANY INFORMATION. THEY ARE JUST TAKING THE WORD OF THE THEIF AND THEY ARE RUING MY LIFE.THIS FRAUDULENT CARD HAS LOWERED XXXX  XXXX SCORE TO XXXX AND ITS EFFECTING MY LIVELY HOOD. APPARENTLY THIS THEIF HAS A PHONE UNDER MY NAME AND AN EMAIL, AN ACCOUNT AND AT THIS POINT I DON'T KNOW WHAT ELSE IS THIS PERSON GOING TO DO. I NEED TO GET RID OF THIS FRAUDULENT DISCOVER CREDIT CARD FROM MY CREDIT PROFILE. I LIVE A VERY SIMPLE LIFE AND I PERSONALLY DON'T HAVE ANY CREDIT CARDS UNDER MY NAME, I ONLY HAVE ONE XXXX CARD AND ITS AT XXXX BALANCE SINCE I DON'T WANT TO HAVE ANY DEBT. I EVEN WENT TOT HE POLICE AND ASKED THEM TO COME WITH ME SO WE CAN GO AND KNOCK ON THIS PERSONS DOOR, BUT THEY DON ; T DO THAT. I AM AFRAID TO GO ALONE, BUT DISCOVER IS LIVING ME NO CHOICE, I JUST DON'T KNOW WHAT THE OUTCOME WILL BE, I NWANT THIS TO RESOLVED SOON SO I CAN GO BACK TO MY NORMAL LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Auto debits were taken out of my account even though it was no money in the account. There was XXXX debits taken out, which resulted in XXXX {$36.00} charges ( {$100.00} ). When I did not pay the overdraft fees in XXXX days I was charged another {$36.00} for a total of {$140.00} in overdraft fees. I went to the bank ( XX/XX/XXXX ) to see if I could get any help or get one removed, after waiting over a hour I was told no. I paid the fees so I wouldnt get anymore fees. I asked to close the account that day as well. On XX/XX/XXXX I was charged a {$1.00} service charge for prior period. I have never heard of this charge before, I went to the bank on XX/XX/XXXX to ask what the fee was for and the teller said it was unusual and did not have or offer an explanation. I paid that fee. The account was still not closed on that date. I have since called to get account closed and Im awaiting documentation of closed account.

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 2021-11-12
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I contacted Santander Consumer on XX/XX/XXXX @ XXXX XXXX about the litigation due to deception and predatory lending practices and I was immediately ignored. The gentleman by the name of XXXX when I asked about the lawsuit and if my loan qualifies for the class action lawsuit or if my loan amount that was owed would be removed he told be the only way I can remove it is to go into court and file for a cancellation of debt. I assured him that the company Santander was in the middle of litigation and he told me basically my loan did not qualify. 
The remaining balance owed on the vehicle is XXXX I have attached the article and the litigation information through two ways I am going to list the web addresses with a copy of the first few pages of the documents explaining the process. 
XXXX My email address is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 contacted this company on several occasions to have these items from from my credit report as the accounts was part of a litigation. The credit bureau have not investigated the account and sent letters within days saying that all the information was accurate. The account are from XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX  all on my XXXX reportXXXX XXXX XXXX  on XXXX. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Back in the year of XXXX the peak of COVID-19, I was approved for a loan at Check N Go for {$4500.00}. Since then, life has not gotten any easier. I have not had any sort of stability which made it difficult for me to receive updates as it pertains to this loan. 

I want to help, and I want to make things right but financially I am in no position to take on an extra monthly expense because I am barely making ends meet. 

On XX/XX/XXXX it was brought to my attention that a creditor was trying to get in touch with me and wanting to seize wages. My being scared from the constant threats to garnish what little wages I have I agreed to a payment arrangement that I genuinely can not afford. 

I am asking for more time and grace so that way I can start making payments towards this loan from XXXX Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX CALLED ME ABOUT A DEBT AT FIRST I DIDNT KNOW WHO OR WHAT THEY WERE BUT I SETTLED THE ACCOUNT THINKING IT WOULDNT REPORT OR MESS UP MY CREDIT REPORT. THE ACCOUNT ENDED UP HIT MY CREDIT PROFILE AFTER I PAID THE ACCOUNT OFF AND I CALLED THE COMPANY AND I TRIED TO RESOLVE IT BUT THEY TOLD ME THEY COULDNT. OTHER CREDIT INQUIRIES THAT ARE NOT MINE AND ARE REPORTING FRAUDULENTLY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: FIRST ADVANTAGE CORPORATION
State: MS
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: Investigation took more than 30 days

Complaint:
I created the background report on XX/XX/2023 now its XX/XX/2023 and the estimated time to finish is XX/XX/2023 but everytime its about to finish they push it back and back like they cant get my information im trying to see why its taking so long to finish it and they told me it would take no more than XXXX weeks it is holding me back because they dont want to do their job but i didnt know it was that hard to look up my information if they had my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Santander Consumer USA Holdings 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 status incorrect

Complaint:
I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, natural person, original creditor of an open-ended credit plan was violated by SANTANDER CONSUMER USA by furnishing negative information on my consumer report in the form of a late payment, defaming my character, leaving me vulnerable to denials of credit, higher interest rates, and other adverse actions of the like. I am disturbed and stressed that this reporting is being shown to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Information doesn't belong on my transunion 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 2021-01-29
Company: Mid-Atlantic Finance Co., 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: Their investigation did not fix an error on your report

Complaint:
Mid Atlantic Financial is reporting to my credit. They have be asked several times to furnish via FTC and myself to provide documentation they have not complied with this lawful order. The company is in violation of Unfair deceptive debt collection practices for failure to comply with the FTC notice to furnish and continuing to report to all three credit bureaus and will not supply the documents requested. Per FTC regulations they have 30days to supply documentation they refuse. Company was notified of identity theft XXXX/2020. This is not a duplicate complaint this company continues to report resulting in valid use of the CFPB processes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry 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 2023-10-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
Company: Commercial Acceptance Company
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am unaware of the debt or the company that they represent. However it did not stop them from contacting relatives and acquaintances about this alleged debt. They called and left messages as well. The woman 's name was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have an account for collection from a XXXX account that I'm not aware. I've been victim of id theft and several accounts have been opened in my name. I have a credit freeze since XX/XX/XXXX to avoid this situation, however, XXXX have been opening accounts in my name. This same account was deleted XX/XX/XXXX thru other collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After multiple attempts by mail and phone requesting they pay my home insurance which is included in my escrow ( {$2600.00} current balance XX/XX/20 ) my insurer is threatening cancellation and late fees are accumulating. this is the second time this has happened in the last 7 years which took me almost three months to be reimbursed by the servicing company. I need the insurance paid, all additional charges removed, my credit record corrected if needed.

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 2019-07-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I received a strange letter from Chase Bank. It states : IMPORTANT : You or a joint owner DECLINE Chase Debit Card Coverage. This was pertaining to an alias account of Debit Card XXXX which is now account ending in XXXX. I never opened this account and again Chase Bank refuses to disclose who are the entities compromising my account without my authorization and then closing the accounts in my face. Then I received an email asking me to log into an alias account that then they say is closed to avoid getting paper statements. Like they are antagonizing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: AG AH LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home in XX/XX/2019 @ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ. The unit is part of a home that went from 1 standalone unit to 2 condos in 2019. That said, the taxes for the property in 2019 were for 1 unit as opposed to 2. 

During my closing, I worked with XXXX XXXX  they covered the Q2 taxes for the entire home ( even though I should have only paid for the unit # 1 portion or 60 % ). The purchaser of unit # 2 also paid for Quarter 2 taxes. 

Very shortly after my closing, my mortgage was acquired by Arc Homes. 

In XXXX & XXXX, the mortgage company of unit # 2 paid the entire tax while my mortgage company has not paid taxes but has collected $ 4,000+ in my escrow account. Now, I need to be reimbursed that amount so that I can pay XXXX ( owner of unit # 2 ) back on the taxes that he has paid out for my portion of the bill. 

I initially contacted Arc Homes on XX/XX/XXXX and spent 45 minutes on the phone having them insist that they had paid my taxes out. On Tuesday, XX/XX/XXXX I called again and after 30 minutes they agreed to open an investigation and would get back to me in about a week. The following Tuesday, XX/XX/XXXX, I called back and their update was that they were " still trying to reach the tax assessor '' but they gave me a footprint number ( XXXX ) so that I could easily get updates when I called back. Waiting another 2 days and called again on XX/XX/XXXX only to be told that my footprint had been " escalated '' but would require a further 3-5 business days to receive information. 

XX/XX/XXXX & XXXX, I call back again and receive again no update outside of them claiming to try to reach the tax assessor ( I've provided them a name and phone number for the gentleman I've been dealing with ) and that I need to upload documents ( of which I already have twice and they claim to have no received ). 

I owe XXXX, the owner of unit # 2, {$4000.00}, while I am frustrated that my mortgage company is abysmal it isn't even my money that I'm concerned about. Arc Homes has the absolute worst customer service and as soon as this tax situation is resolved I will be looking to refinance so that I do not have to work with them any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute the validity of the debt reporting on my credit report. After careful review, it has come to my attention that the statute of limitations for these debts has expired. 

As of my last knowledge, the statute of limitations for the type of debt in question is up to 7 years only, and the last activity on this account occurred on XXXX. Based on this information, it is my understanding that the legal timeframe for pursuing this debt has lapsed. 

I am attaching the following photos for your reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 was not able to extend my credit to myself for personal use. I have not been able to live. Its been a hassle with all of these fraud errors on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: PNC Bank N.A.
State: MT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I had 3 different HELOC loans on some of my rental properties that ultimately ended up at PNC Bank. These have always been paid on time and I believed that all 3 were paid off. I received notice that PNC had reported me late. Because this information is unaccessible online for some reason with them, I contacted them by phone on XX/XX/19. Upon reaching customer service and giving them my name, the address and my social security number to look up my accounts, I was told that that was not enough information to give me balances. I am not sure how they expect me to pay off the accounts if they will not tell me the balances. After arguing with the agent, I requested a supervisor. The Supervisor was arrogant right off the bat. She wanted additional information over and above my name, social security number the address and even the account number that I had for one of them. She now needed the original balances on the accounts. These loans were made 15 - 20 years ago. There is no way I know the original balances. After telling her that I was filing a complaint and would like a copy of the recording of the conversation she told me to get a court order. She then said I could tell her the last payment that I made on each account. Again this was months ago and my online banking no longer has this info without going to paper records. ( this is an entirely different issue, but another way banks are not helping the consumer ) She finally gave in when I gave her all 3 addresses and gave me the balances. 2 had been overpaid by several hundred dollars and one was short {$19.00}. Instead of applying the overage funds to the short account which I thought was paid in full, they chose to report me late to the credit bureaus. What a lovely policy to XXXX the consumer. This is the most arrogant unhelpful lender I have ever had the displeasure of working with.

Company response to consumer: Closed with explanation