BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-21
Company: DISCOVER BANK
State: MD
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
The Discover Financial Services placed my account with Atterney Office for Collection where the action of the firm affected my health condition that may arise based on my past condition, which I prefer not to share as it is private and confidential information. The name of company or person ( XXXX ) XXXX XXXX. 
I rejected to speak with anybody from this office and having preference based on my experience at working settings with this office not to have any conversation at all for harassing and insulting action following with mental abuse that affected my health condition and issue. Please consider this complaint seriously to resolve the issue of Financial Fraud and changes on my account due to change of numbers on my account with Discover. this person must be discipline for his harassing and discriminating actions as me personally as company where I work at the current moment that affecting all other employees as well. 
Very unfriendly personality unwilling to communicate have a lack of managerial skills and ability communicate normally with people especially customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Experian is delaying my request for investigation and providing Method of Verification by means of multiple requests for identification that was provided with the initial request. Experian has violated the FCRA 30-day-to-respond rule. By law, the following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Experian ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES 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 XXXX XXXX XXXX XXXX IL XXXX XXXX/XXXX/XXXX BK CHPT 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 2015-05-19
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
The vehicle was surrendered as agreed upon by santander and myself. They are reporting it as a repossession. They have refused to correct this and have stated that they do not need too even though it was on a recorded line. I have asked them to change it and adjust the costs and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Billed XX/XX/2022 XXXX XXXX XXXX FL {$180.00} Reported as fraud XX/XX/2022 closed account, issued new acct number and cards Received Update XX/XX/2022 that I am responsible and that the fraud investigation was closed. Re : " You received benefit from this transaction ''. Since, I have called multiple times, spending a total of XXXX  hours on the phone, with several agents and supervisors requesting information about this charge. We don't recognize XXXX XXXX  and ask who this is and what are the charges for? No one knows. They " Google '' it. They/we have called EIGHT different phone numbers attempting to assist, all to no avail. I'm getting nowhere, and are insisting that the charges are due because " the charges were made with a chip card that was used in a reader and the card was physically there and other legit charges were made after that one and the fraud wasn't reported until I received my statement. '' We are perplexed that chase doesn't know who this merchant is or have contact information for it, as obviously someone is being PAID!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
CFPB + Equifax, This is in regards to my name- please see attached to this complaint as its the only name I go by and all other variations are incorrect and need to be removed from my credit report. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shots where this is located

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
On XXXX, 2017, we purchased our leased vehicle from Chrysler Capital. As part of the purchase price, state taxes were collected. These were to be remitted back in order to pay the taxes due a time of registration of the vehicle. Upon sending the paperwork to our lender ( Bill of Sale, etc. ) a check should have been sent. However, it was not. My first phone call resulted in them telling me they would have to send an email to research it and it would take 3-5 days for a response. I called back, and was told the check was mailed to my bank. I called back again the next day ( after learning no check had been received ) and spoke to another person who indicated the check had not been sent. They sent me to the Office of the President. The next person I spoke to advised they would remit a check, to me, and overnight this. They advised they would call me to let me know once this was completed. I never received a call. I called back the next day, and was told they were " researching it '' with XXXX who was a manager. I then received a phone call back that indicated they mailed the check on XXXX to my bank. My bank has not received the check as of today. As a result of this, my ability to register the vehicle has been impacted and I have received a communication from my bank indicating they could call my note due and payable as I do n't have this registered within the required 30 day timeframe. In addition, I now have to pay penalties for a late registration. I still do n't have this resolved. Chrysler Financial has given me the run around for almost a week, has told me different information during every call and the matter is still not resolved. In addition, per the Missouri Dept. of Revenue, Chrysler Capital is not " authorized '' to collect taxes in this manner for the state of Missouri. When we initially talked to Chrysler, we were told they would remit the taxes to the State of Missouri, which they have not and are not authorized to do so in this state. Chrysler Capital held my funds for 25 days potentially, which is a complete contradiction as to what they stated they would do at the beginning of this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: CA
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:
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 given reporting agency can not furnish an account without my written instruction.

15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: WINN LAW GROUP, APC
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
When my ex-wife failed to make payments on a leased car so I had the car picked up when we separated. XXXX XXXX turned us over to collection and in 2008, a judgement was was entered by XXXX XXXX XXXX , XXXX. The original damage was {$9200.00}. This amount was for the full price of the car. The car was sold at action for {$8600.00}, leaving a total of {$650.00}. 
I foolishly walk away from this mostly due to ignorance. In the meantime, I went through a divorce and XXXX and did n't have the funds to hire an attorney and did n't know how to handle this myself. Subsequently, my wages were garnished for a total of {$4200.00}, paying a 3rd party ( XXXX XXXX ) {$690.00}. XXXX XXXX XXXX now has {$3500.00}. 
On XX/XX/2016, I went to court to vacate the judgement on the grounds that the default judgement was acquired by fraud. I was never served. My son, age XXXX, was served at his address. I have never lived there and I was XXXX years old at the time. My credit reports confirm age and addresses and I assume a credit company had them in their possession. Also, the AKA XXXX XXXX XXXX is only on my birth certificate. I have been XXXX XXXX XXXX on school records, military records, medical, IRS, SS etc. It was a misspelling at the time of birth. ( The attorney failed to mention this at the hearing last week. ) The judge ruled against me due to the 8 year time lapse. I have offered XXXX {$2000.00} max for a settlement, but have not heard back from them. That would be a total of {$5500.00} that XXXX would have in profits. I want to know how much I really need to pay this collection company. I feel I 'm beginning to pay for the car for the second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
In XX/XX/2014 I went to XXXX XXXX XXXX to try to purchase a vehicle they try to sell me a new car but I wanted low payments and did n't want to work with me. They had a car in their garage lot which was out of public eyesight they told me it would {$300.00} a month so them not telling me anything about the car and I being clueless I took the car with XXXX miles and it was a XXXX XXXX they left me to me at {$10000.00}. I have been paying over 3 years on the car with finance company Santander Consumer the payments have n't lowered the car is n't even trade able. Less than a month the finance company calls me and tells me my payment is due when in the dealership they never even told me when my payment is due. Now I am looking into a voluntary repossession because the car is not worthed. I can not afford the payments. It 's frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Receivables Performance Management, LLC
State: GA
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:
report filed with XXXX  case number XXXX ... 
In accordance with the Fair Credit Reporting act. XXXX and Receivables Performance Management has violated my federally protected consumer rights to privacy and confidentiality under 15 USC ****. 15 U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C **** Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. XXXX and Receivables Performance Management continue to violate my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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:
Currently, Transunion refused to remove additional inquiry from credit report. On or around XX/XX/2021, I applied for a credit card with XXXX  XXXX XXXX and it was approved. However, during that process it is XXXX XXXX  inquiries on my Transunion credit report. Filed a compliant with XXXX  due two credit inquiries for one credit card application, XXXX properly investigated compliant and discovered, they only pulled credit report once and the error was on Transunion. Once again disputing inquiry with Transunion, website will not allow you to go next phase. I have supporting documentation where XXXX  states they pulled only one report. Transunion refused to remove inquiry additional inquiry from 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 2020-07-19
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-07-19
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
incorrect information 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 2022-04-11
Company: Lending Club Corp
State: CA
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:
Lending Club Corporation is reporting incorrect information on my account. A representative from LendingClub called me about my past due payment. I tried making the payment the next day but couldnt because I was sent to collections. This was not explained to me by the agent that called me the day prior. I am asking Lending club to make things right by removing the remarks on this account that states the balance was purchased by another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed a checking and savings account with Chase in XX/XX/XXXX, and left {$1000.00} in each account. I was told these funds, totaling {$2000.00}, would be mailed to the address on file. Those checks never arrived. 

I contacted Chase on XX/XX/XXXX about this issue. I was told, on XX/XX/XXXX, that the original checks would be canceled, and new ones would be sent to the address on file. These checks did not arrive either. 

On XX/XX/XXXX, I passed by the Chase branch located at XXXX XXXX XXXX, XXXX, MD XXXX, United States. The branch manager contacted a service that supposedly resent the checks again. Today is XX/XX/XXXX, and I have not received the checks. 

Today, XX/XX/XXXX, I contacted customer support by phone ( I contacted online customer support earlier, and was asked to contact the phone service ). The senior account manager I was redirected to informed me that the only thing he could do would be to send the checks for the fourth time. Despite my repeated requests toward a different solution, including contacting someone that could look into the issue more closely, I was repeatedly told that the only approach would be to resend the checks for the fourth time, thus repeating the same procedure but expecting different results. 

It has now been more than 3 months since I closed my accounts, and I have yet to receive the 2 checks. The first one is in the amount of {$1000.00}, and the second is in the amount of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: EQUIFAX, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/XXXX and XX/XX/XXXX, I disputed a XXXX debt in the amount of {$2200.00} on my credit report Account # : [ Acct # XXXX ] asking that the credit bureaus show validation of this debt that I owed it, without sending me a viable evidence I indeed owe this debt. XXXX send me some kind of an agreement, which had not the signature. Since the CRA have posted the debt on my credit report, I have the right to verifiable evidence this debit belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-28
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We closed a loan ( mortgage ) with CitiMortgage in XXXX XXXX. A deed in lieu agreement was signed and recorded with the register of deeds in the county the property is located. A Satisfaction of Security Instrument document was signed by CitiMortgage, with wording that includes : this satisfaction terminates the effectiveness of the security instrument. Both of these documents are attached. CitiMortgage as of XXXX is saying this security instrument is open and we owe them an approximate sum of {$40000.00} as fees related to this loan. We have just become aware that CitiMortgage is now selling this closed loan to 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 2019-11-30
Company: Fairway Independent Mortgage Corporation
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX  XXXX in XXXX, MN is giving a {$25000.00} credit on the purchase price if buyers use their preferred lender. How is this not Steering? If I bring my own lender, I have to pay {$25000.00} more for the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
CFPB + TransUnion, This complaint is in regards to the latest credit report as of XX/XX/2022 and my name showing as wrong - please see attached for : - my drivers license - my social security card - my address- my written complaint - screen shots on report where it shows up as wrong Please get rid of all wrong/inaccurate name variations

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 2022-04-11
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a my XXXX XXXX XXXX XXXX from community capital bank that I did not apply for, did not give permission to pull my credit, do not want. I visited a XXXX XXXX store on XXXXXXXX XXXX XXXXXXXX. This application that granted a card was started then. 
Every time you check out the cashiers try to push credit card applications. I always say no. Apparently these minimum wage bottom dwellers get bonuses for every application they get. The cashier obviously entered yes and also violated my credit by authorizing a credit check as well. 
I have tried multiple times to contact this bank to request this account be canceled, my credit be repaired, compensation made, and the XXXX XXXX cashier executed for their crime. This bank has made this an impossible task by jerking me around for hours on hold

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: AL
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:
in accordance with the Fair Credit Reporting AcXXXX 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  XXXX XXXX has violated my rights 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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