BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-21
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
# 1. On my Experian credit report, XXXX did a hard inquiry on my credit report for their credit services on XX/XX/XXXX. I received a letter and multiple voicemails to call them to verify my information. I spoke with mulitple departments and no one was able to pull up my information. Every customer service agent I spoke to kept telling me that my old account was charged off which had nothing to do with my current application. There was no record anywhere of my credit being pulled in their system. I then received an email stating that I was denied credit, about 3 weeks after applying and being told that they never pulled my credit report. I would like the inquiry removed from my credit report since XXXX states that they never ran my credit. 

# 2. XXXX is also misreporting an account I had with them as both current and charged off which is having a detrimental effect on my credit report. I paid XXXX directly in the amount of {$210.00}, which I have a copy of my bank statement showing the amount and that I paid XXXX and not a third party collection agency. 
Beginning on XX/XX/XXXX through XX/XX/XXXX, XXXX reported my account as charged off. From XX/XX/XXXX through XX/XX/XXXX, they reported my account in good standing. XX/XX/XXXX, XXXX again reported my account as charged off and then in XX/XX/XXXX and XX/XX/XXXX, reported my account as in good standing. XX/XX/XXXX it was reported as charged off again. Having the account go back and forth from in good standing to charged off wrecks havoc on my credit report, when the minimum that should have been done was to update my account to paid collection. 

I have reached out to XXXX to have this matter taken care of, to show that I have paid my debts and have my credit report updated, but after months of being told to contact the third party collectors, whom I never paid nor are they on my credit report, and completely disregarding my concerns and I would like this completely removed 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 2015-08-30
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My credit card was used to make unauthorized purchases after I had used it to purchase tickets to a XXXX using my cell phone. I purchased them on line at XXXX at XXXX EDT then starting at XXXX EDT I received notification of the unauthorized charges of {$10.00} at XXXX see attached schedule of unauthorized transactions. I called my credit card company to report these unauthorized charges and cancelled this credit card. 
___________________________________________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: JPMORGAN CHASE & CO.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
J.P.Morgan Chase sent me courtesy checks at 0 % intro for paying bills, etc. I called the XXXX number to find out more. I was told I had a limit of approximately {$1800.00} on credit or {$1500.00} cash. I explained how in XXXX took out a small loan of {$3000.00} with a high fixed rate and looking to cut down the intrest. She took some information and went to a supervisor. She came back a few minuets later granting me as much as {$3000.00} availability on their courtesy checks sent me in the mail. I told her I would be using one for near that amount that day XXXX XXXX, 2016. She assured I was good to go. I paid the loan. In today 's mail notice from J.P.Morgan Chase a stop payment on the check they are only good for {$1500.00}. I was on the phone an hour with them today XX/XX/2016. They do n't care just kept repeating over and over I did not have the credit to cover it. They had a record of my call and would not elaborate. XXXX of the XXXX XXXX office was like a robot repeating it over and over. What kind of fool would after calling them attempt to cut a bum check? Now I must re establish the original loan, pay application fees on a new loan, and also a returned check fee. They assume absolutely No responsibility and told me to submit any returned check fee and perhaps they might pay that. A verbal contract form their representative agreed to by the supervisor at the time later not enforced at a substantial cost to me. They do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Bread Financial Holdings, Inc.
State: MD
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 to federal law, I XXXX XXXX am the original creditor, I am a consumer 15 USC 1692 a ( 3 ), a natural person and a debt is defined as any obligation or alleged obligation of a consumer to pay 15 USC 1692 a ( 5 ), based on federal law, a loan is a consumer credit transaction and banks can not extend credit Bowne v Needles Nat. Bank, 94 F 925, 36 CCA 553, certiorari denied in 20, CT 1024,176 US 682,44 LED 637. I continue to get harassed and have my reputation damaged by Commenity bank 's continuous reporting of the alleged debt on my experian credit report, which an exhibit. My social security number was used to extend credit to Commenity Bank in a private consumer credit transaction, security interest was signed over. Federal law says only a person can extend credit in order for you to be granted something you have to get it from somewhere. In order for a person to be a creditor, they have to be granted the right, but an original creditor does the granting. 15 USC 1692 g. You are accusing me of owing this alleged debt but according to this federal law, and based on the exhibits I have provided you owe me {$20000.00} in violations of federally protected consumer protection rights under the FDCPA. This is my final correspondence before litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied to Chase for a home loan, because I also bank at Chase. 

Since initiating the application, the loan officer had been difficult to reach, when I have had questions about the process, or when I had problems with the online application itself, that he sent me to fill out. 
He ignored several text messages and voice messages, that I sent, either requesting help, or end to inquire if he received my documentation. 
This behaved as if he were doing me a favor by calls and patronizing me when he did ever answer the phone. I texted that I wanted to look elsewhere for a lender. THEN, he started hslf-way answering calls and messages and Told me how much more competitive his business is than other companies. I changed my mind and decided to give him another opportunity to work. 

XXXX days ago, I requested a good-faith estimate, because I was on a time-line with the house 's contract. I called him and advised him off my predicament with the realtor needing a good-faith estimate, in order to amend the contract. 
I asked him for a ballpark figure, just so that I could communicate with the realtor. I stressed the urgency of the situation. 
His response was, " I do n't my computer in front of me. I need to do a lot of research! I am at XXXX 's, in the checkout line! ... do n't worry. I will lock in your rate and get you a good-faith estimate. " He had already announced to me, that I could call him " anytime '', if I had questions. Yet, he treated me like I was bothering him, and like he was too important to treat me with respect. Had me feeling like I was being jhim for the money for this house. 
Just before writing this complaint, I contacted the loan officer, via text and advised him that I no longer want to work him. I advised him that I think good-faith estimates and " locked -in '' rates are XXXX different things. 
I feel like he is playing upon my ignorance, or rather my supposed ignorance, because I am a XXXX home buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Other fee

Complaint:
I HAD A CREDIT BALANCE ON MY ACCOUNT OF XXXX CENTS. THIS MONTH MY ACCOUNT WAS CHARGED TO REMOVE THE XXXX CENTS. I CONTACTED CHASE AND WAS TOLD ANY CREDIT BALANCE UNDER XXXX ( XXXX - XXXX ) WOULD BE ADJUSTED AND RETAINED BY CHASE AS INTEREST IF NOT USED WITH 60 DAYS. I WAS NOT OFFERED A CREDIT BY CHASE OR ANY SUPPORTING DOCUMENTATION. I REVIEWED MY ACCOUNT OPENING MATERIALS AND COULD NOT FIND ANYWHERE THAT STATED THEY CAN KEEP MY CREDIT IF I DO N'T USE IT WITH 60 DAYS. XXXX CENTS IS NOT A LOT OF MONEY, HOWEVER WHEN YOU HAVE XXXX CUSTOMERS IN XXXX STATES XXXX - XXXX CENTS CAN ADD UP TO XXXX DOLLARS IN UNDESERVED PROFITS TO THE BANK THAT DOES NOT BELONG TO THEM. TO ME THIS APPEARS TO BE THEFT BY CHASE BANK AND XXXX CUSTOMERS ARE BEING DECEIVED ; BECAUSE TO MOST PEOPLE PENNIES DO N'T MATTER. PLEASE INVESTIGATE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputing the information XXXX XXXX placed on my Credit Card as incorrect. I contacted XXXX XXXX Last year and they refused to correct my information as paid on time/Agreed. Subsequent to that XXXX XXXX is a very dishonest company They do not keep their promises. They closed my account without my knowledge and reported it negatively 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 explanation
Consumer complaint received 2021-01-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I am writing today in regards to my account with CITIZNSBANKNA Account # XXXX. 
A late payment is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment for the XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Horrible experience. Car repossessed after one late payment. They tacked extra fees, required payment in one weekweek which was impossible and I had to pay {$75.00} to get my personal belongings that were still the car. I 've been a customer for almost two yrs

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I paid off my car loan XXXX 2015. Istill do have not received a clear titleafter numerous contact with loan co. 
have been paying full coverage $ XXXXper month. can get liability for $ XXXXfor 6 months The payoff wasinstructed to send to XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
the collection company contacted me with XXXX % debt reduction offer for payment if made by XX/XX/2016. I sent the check that was dated XX/XX/2016. 

they contacted me again on XX/XX/XXXX ( after a whole month ) to say that they have not rcvd the check on XX/XX/XXXX but on XX/XX/XXXX hence the XXXX % offer is not valid and they are requesting the remaining XXXX %. 

Also, the collection company did not report to credit bureau that i paid the XXXX % or that by their offer that dept should no longer exist. 

since I did n't send my check via register mail, it 's their word against mine. i did try to reason with the person i talked to that 1 day should by acceptable for error margin but they refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Billing statement

Complaint:
Every month I receive a statement from Synchrony Bank showing a balance due in the amount of XXXX on a XXXX XXXX account. I 've contacted the bank and was told there is no balance due and there is no explanation given as to why I am receiving these monthly emails. I am concerned that my credit may be negatively effected by these erroneous statement which the Bank denies is occurring. 
I would like the Bank to correct this and I would like the emails to stop. The bank has sent me a letter at my request indicating there is a zero balance on my credit care account but I am still concerned the bank can not stop the emails.

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 2021-01-14
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: Was not notified of investigation status or results

Complaint:
As I have not heard back from TransUnion in over 60 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2020 and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2015-11-23
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We bought a XX/XX/XXXX Honda Ridgeline XXXX in Arizona. XXXX XXXX financed our vehicle through Sentander Consumer USA XXXX. Sentander, never mailed us any financial paperwork, with our account number, or their company name, prior to our first payment being due. 
When they did contact us, we immediately sent the payment through XXXX XXXX Bank Bill Pay. Sentander then accredited our first payment to our account. 
We then scheduled our XX/XX/XXXX payment through XXXX XXXX Bank Bill Pay, Which they claimed that they did not receive, and they called us to complain. So we faxed the information they requested from our bank. We received a confirmation that they had received our fax, but they called us the next day, claiming they did not receive the fax information. When I requested to speak to a supervisor, she confirmed that they had indeed received our fax. 
Two ( 2 ) days later, they requested additional information to include a bank statement. We sent the information via fax, and the very next day, Sentander refunded our payment back to our checking account. When we contacted Sentander, they claimed the account number was not on the check. We have paid our bills from XXXX XXXX Bank Bill Pay for years, and NO ACCOUNT has NEVER claimed that the account number was not on the check. 
Since I had Sentander on the phone, I agreed to make XX/XX/XXXX payment over the phone. After giving Sentander 's male employee my card information, he said our payment was rejected because I did not know my Zip Code, which is XXXX. 
So I informed them that their XXXX payment had been scheduled to be paid on XX/XX/XXXX, and that I was mailing them check # XXXX for XX/XX/XXXX payment that they had refunded. 
On Monday XXXX XXXX, 2015 ( three ( 3 ) days later ) Sentander called us at XXXX. and again attempted to collect XX/XX/XXXX payment. There have been several calls, and we are tired of Sentander harassing us, and making false claims, and refunding payments that are made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: On-Site Manager, Inc.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My name appears on a civil action for possession that is incorrect. I have never lived in those apartments. I have tried on several occasions to call the management of the property ; however, no one answers. I went to the leasing office of the property and no one answered the door. I need this inaccurate information remove from my credit history because it hinders my chances of moving. On-Site has this inaccurate information under Landlord Tenant court records ; however, the XXXX credit bureaus show no public record items for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Green Square Company LLC.
State: IN
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting threatening and rude phone calls from XXXX XXXX XXXX phone number XXXX regarding a debt I do not owe. They 've threatened to have me arrested, but refuse to send me a statement that I owe anything in the mail. They have my SS #, but wrong address.

Company response to consumer: Closed
Consumer complaint received 2017-01-30
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a vehicle from XXXX XXXX in XXXX XXXX XXXX, XXXX, New York in XXXX of 2015. The vehicle was financed by Santander Consumer USA. Neither the dealer nor the bank informed me of the terms of the loan. I later found out that the interest rate was exceptionally high at 21 percent. Since I bought the car I have paid over {$20.00}, XXXX and still owe at least {$26000.00}. I have requested a lower interest rate from the bank. I have even asked the dealer to take the vehicle back in a trade, but they all refused because " the vehicle is overpriced '' they state.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: LDF Holdings, LLC
State: PA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
The loan was for XXXX, I was charged XXXX monthly and they expected to collect payment for nearly a year! I could n't understand the woman on the phone when she explained the fees, I told her that but she kept pushing and finally just put it through. I did n't exactly agree, I just said I guess it was OK because I could n't hear what she was saying and she would n't give up, then she pushed me into direct withdraw from my bank even though I wanted to mail payments in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-28
Company: Synovus Bank
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Requested information on this account for over 1year no response .Requested paperwork and all information .This accont was set up with out my approvel.Reporting closed on one report and active on another, limit went from XXXX to XXXX .This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, 2015 my dog was attacked by another dog. As she was bleeding out in the middle of the night, I took her to the vet, but was not able to pay for the emergency surgery out of pocket. The vet had me apply for Care Credit, which covered {$500.00} of the expenses. I am now trying to pay my bill. I, understandably, was a bit distressed during the application process and do not remember my log in information. So, I have been trying to call the company at their published number of XXXX. When I call, all that happens is I am congratulated on being eligible for special offers, which I decline, only to be met with another offer and another and another until finally I am given another number. When I call that number, the ads begin again. I want to pay my bill. I do not want this to negatively affect my credit, but this company is obviously actively making that a very difficult thing to accomplish. I would appreciate if someone cracked down on them. They are obviously not legitimate and are making money off of emergency situations, then making it so difficult to pay a bill that they compound the payments owed by creating a situation in which consumers have no choice but to be late on their payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I was pressured into a loan by XXXX Chrysler the loan interest rates were pushed on me I was told if I did n't sign I would not get a loan from anywhere else. And when I did return to the dealership with my other options they were out of Bussiness. I was taken adavantage of by the dealership and Chrysler capital financial over 25 % interest on a car that worth less then XXXX is criminal

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX/XXXX/2016 I purchased a necklace from JC Penny 's, I also purchased the care plan with it and I was told by the sales coordinator that it would be insured if any thing happened to it. I wore it one day and the stone came off the chain, when I went back to the store with my receipt and the chain I was told that not only do they not replace lost pieces, but that it was a one of a kind stone and it could never be replaced. The store manager got involved and he told me he was sorry for the confusion and that I could purchase anything else I wanted and he would give me 50 % off. I told him I did not want any thing else, I wanted the same stone I had purchased and that I should not have to pay for it, since the insurance should replace it. I Value my credit and because of this incident, my credit score went from XXXX to XXXX. I pay my bills, I refuse to pay this one because I was so misled, I have been a very good customer of JC Penny 's I have totally lost my trust with them.

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 monetary relief