BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-22
Company: Santander Consumer USA Holdings Inc.
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
RE : Account : XXXX XXXX - primary signer on car loan// XXXX XXXX co-signer on car loan CRPB Consumer Financial Protection Bureau : 1 ) Negative reporting notices sent to all XXXX credit bureaus 2 ) Inaccurate reporting on behalf of the Account : XXXX Santander Consumer USA informed the primary signer of the car loan that one of the methods of making car payments would be through XXXX Money transfers ( see attachment of XXXX Money transfer confirmation that payments were sent through their financial institution to Santander ). Santander in turn informs XXXX that they have " no records '' of " said payments '' even though there is a XXXX confirmation of payments from XXXX? It 's unbelievable that this continued to occur for three months? For the past two or more months monthly payments are now going through without a hitch thru " XXXX Money transfers '', ( Why is it that Santander can now receive noted payments from this entity now? ) Santander has reported to the major credit bureaus " 90 Day late status on this account '' UNBELIEVABLE and it is showing on my credit report that the account has been in late payment status for 90 days. 

XXXX has called numerous times trying to clear this issue up without success ... the incompetent company 's customer services representatives were calling XXXX about late payments/missed payments while her mother was XXXX in a skilled hospital ( numerous times ) and have called me numerous times while I 'm at work and can not receive calls during meetings ( this is unbelievable and I wished that I did not co-sign on this loan with this particular company ). 

I want this company to correct the wrong handling on this account by sending out a correction regarding incorrect reporting of missed/late payments ( 3 months of late/missed payments ) that is reflected on my credit report and on XXXX credit report. 

I would like for the CRPB Consumer Financial Protection Bureau to also look into this matter and respond back to me on their findings. 

XXXX XXXX, Oklahoma XXXX XXXX Copy : File CRPB

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Experian Information Solutions Inc.
State: AL
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 checked my credit report XX/XX/XXXX and seen this credit card account listed as a charge off. The account is showing the creditor as XXXX XXXX and a status of charge off. I have sent in letters to each credit bureau asking for proof or validation that account belongs to me. I have not received any of the documents I have asked for. I have pictures of my certified receipts as well as one of the many letters I have sent in asking for validity of the account. I have no knowledge of this account belonging to me.

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 2021-08-03
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried to work with this company several times with absolutely no help. Whenever I call either get someone with a horrible attitude or hung up on. I keep receiving letters and do not mind paying what we agreed but no one will call back or work with you yet they keep updating 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 2017-10-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The company by the name of DEPT OF EDUCATION/XXXX is reporting on my credit report. These loans where sold to a company by the name of XXXX. XXXX is also reporting late fees on my report which has been consolidated. All of the XXXX accounts have been on my report before XXXX and open since XXXX there XXXX accounts they are reporting to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
transunion failed to investigate me dispute

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX is very reckless with their reporting tactics on consumer 's credit reports. I found a tantamount of inaccurate information on my account from my name, to my address, to my social security number, to wrong information on my accounts, wrong status, and reports of derogatory items that were 10 years old and generic entries made by XXXX on my accounts that lingered old accounts way past its statute of limitations. XXXX is the only reporting agency that shows more that a XXXX point gap on my account consistently from other reporting agencies. It showed that there were close to XXXX unauthorized inquiries made on my report and I tried to report that to them and got nowhere. My credit report shows a reflection of another person as I do n't recognize my name, social security number, my accounts, my address, or the XXXX inquiries on my report. This whole ordeal with XXXX has caused me financial hardships because it has damaged my credit in many ways that seems unfixable. I 've reached out to XXXX many times but received nothing in return. XXXX needs to be held accountable for their reckless behavior on my report that has caused unnecessary hardships. I could n't get a student loan to finish school because of their carelessness.

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 2015-08-23
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have XXXX bad things on Regions bank that just not right. I still and have always had an account there for years. They gave me a line of credit that with my auto deposit they took it out each month. I just do n't understand. I am in great standing with this bank Regions opens in XXXX tn. Please help me resolve this and get my credit up. Also my insurance paid the outstanding bills. Thank XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
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: Old information reappears or never goes away

Complaint:
XXXX is very reckless with their reporting tactics on consumer 's credit reports. I found a tantamount of inaccurate information on my account from my name, to my address, to my social security number, to wrong information on my accounts, wrong status, and reports of derogatory items that were 10 years old and generic entries made by XXXX on my accounts that lingered old accounts way past its statute of limitations. XXXX is the only reporting agency that shows more that a XXXX point gap on my account consistently from other reporting agencies. It showed that there were close to XXXX unauthorized inquiries made on my report and I tried to report that to them and got nowhere. My credit report shows a reflection of another person as I do n't recognize my name, social security number, my accounts, my address, or the XXXX inquiries on my report. This whole ordeal with XXXX has caused me financial hardships because it has damaged my credit in many ways that seems unfixable. I 've reached out to XXXX many times but received nothing in return. XXXX needs to be held accountable for their reckless behavior on my report that has caused unnecessary hardships. I could n't get a student loan to finish school because of their carelessness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: WELLS FARGO & COMPANY
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
After I submitted complaint # 1 about Wells Fargo 's handling of our student loan, here 's what I have as of XX/XX/XXXX : - Despite the fact I was a customer in good standing from XX/XX/XXXX to XX/XX/XXXX, in XX/XX/XXXX our account went into defaults because suddenly two of three accounts were n't called out by number on my payment. Never a problem before XX/XX/XXXX, a problem now yet no notification that something had changed or shifted - Despite the fact I 've been paying {$500.00} every two weeks against the loan set since XX/XX/XXXX, since XX/XX/XXXX I 've had to pay @ {$700.00} extra to make up for the " default '' account and apparently still " owe '' {$320.00} - over an additional {$1000.00} out of pocket and a hit on my credit report, thank you Wells Fargo for the awesome refund of {$37.00} on so-called late fees - In their written response, Wells Fargo clearly states : " we are unable to send cosigners monthly billing statements. '' If cosigners are held to the same level of responsibility as primary account holders, we should legally have the same rights.

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 2021-08-04
Company: EMCC Holdings, 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 would like to file a complaint against Equiant Financial Svcs. I am being harassed with phone calls while they're using a different name, they disguise their identity as XXXX XXXX. Also, I only agreed to in house financing and not third party loans. My personal information were sold to this 3rd party company that opened an account under my name without my consent. My personal information has been breached. I never gave authorization & never had proper notification that this Equiant Financial is going to be collecting payments and/or reporting them. They are harassing me with phone calls to collect money but they're using a different name, under XXXX XXXX. I am submitting this complaint for abuse and deception of identity. They are violating FDCPA by harassing phone calls while using a different name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am making this complaint on my own there is no third party involved. 
This complaint is about me getting taking advantage of due to malpractice of while several laws are being broken under FCRA by your company. This has caused financial injuries on my credit report. Its caused me Defamation of character. I am unable to get a job, get approved by credit card companies, or buy a house. I have tried serval times to apply for loans such SBA loan, but due to the pandemic under this crisis you have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: JPMORGAN CHASE & CO.
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I was injured in XX/XX/2016 an was unable to make some payments on this bill in person. I regular pay in person and have paid more then my bill due at times. With the help of my son to personally go and pay in person, he was always turned away due to he was not the person of the account. It does n't make since to me when someone is paying a bill. For some reason Chase are stating it is a law. I never heard of this before. Also when attempting to pay online all of a sudden the account was removed. Due to my injuries I was unable to talk directly to Chase ( XXXX ) but kept corresponding in e-mail with being only told that someone will get back to me. No responses, and would not allow people that tried to handle and pay the bill for me to process business. Now I 'm being told my car is out for reposition and I am highly concerned about this. Their practices is not right. And refusal of pay is not right. I faithfully with the help of my son when on leave attempted to pay this bill over and over. How could this be of good practice for a consumer. And paying someone 's bill is not an result in identity theft. There are many wrong practices within the banks itself. and it 's not the first time I have had someone to pay this bill for me. Previously it never been a problem. If they had not rejected the ill being paid on time. My account would be current as it had in the past but unfortunately I was injured badly and had someone to pay my bills. When did it become a law that you ca n't pay a bill. No one was making a withdrawal nor viewing personal info. Now I 'm being to surrender my car and that it is out for repossession or to pay XXXX in full. This just is n't right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Professional Credit Management, Inc
State: LA
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 was contacted by Professional Credit Management regarding a collections account in the amount of {$110.00} ( in XX/XX/XXXX ). Upon this communication, I was told that paying this account would result in it being deleted from my credit report. On XX/XX/XXXX, I paid the account and received confirmation of the payment to my email account. 

After a few months ( XX/XX/XXXX ), my credit report was reviewed my credit report and found that this account, while showing paid, was still there. I contacted the company to inquire about this. I was then told by a representative that they could not delete the account from my credit report. This is completely different from the information that I was told prior to paying this account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Paypal Credit : Advertises 0 % interests if paid off within 6 months. If not paid, off the amount of interest that would have accrued over the 6 months will all be applied to the account. 

If there are multiple purchases on the account using this promotional offer, any time a payment is made it is not applied to the oldest purchase. Instead they allocate the payment to the most recent purchase in order to maximize the amount of promotional interests they can charge. 

When calling paypal credit about this, they say any time a payment is made I must call and wait on hold for 45 minutes to 1 hour, to direct them on where to apply the payment otherwise it will go to the most recent purchase.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
( All documents will be attached ) My Wife and I were discriminated by Chase bank, we applied for a loan with them seeing we had good standing ( XXXX ) bank accounts with Chase ; over $ 64XXXX in savings ( obtain in less that 3 1/2 years ) and great credit scores, plus a combined 12 years with the bank. In fact we got pre-approved and had final approval but weeks before the final close they denied our loan stating : * Excessive obligations in relation to eligible income * Temporary or irregular employment Which turn out to be a false reason, because we found another financial institution, and used the SAME financial information ( same people involved ; my wife and I ) As we did not want to lose the house we spent over a year looking for and that loan was approved with no issues, in fact we have been living in our new home for half a year now. And shortly after moving found out our loan was purchased by XXXX which also works with Chase Bank. meaning our information was complete and correct it was Chase 's sole decision to deny our loan based on false pretenses to cover for the discrimination against my wife who at the time was a US resident from XXXX, also the discrimination might have been fueled by her gender, we can not be sure but I am sure the denied loan was fueled by racism as I spoke with several loan officers and they had a distinct mocking tone after reviewing our information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX XXXX, XXXX at XXXX XXXX Portfolio Recovery called my wife and I at home in attempt to try to make contact regarding a debt. The problem is our number is listed on the Do Not Call Registry. They  were calling late, while we are in bed trying to get our rest. We have had this happen several times before and are getting tired of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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