BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My car was stolen with all my personal information and now I see that someone is attempting to open accounts using my personal information. I have not given anyone permission to access my credit

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 2021-07-18
Company: EQUIFAX, INC.
State: TN
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:
Equifax is reporting a late payment for XX/XX/2019 yet XXXX  is reporting paid on time. therefore Equifax is reporting inaccurate information. which is clearly an FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: AXOS FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Axos Bank intentionally stalled the refi process to change the rate from 3 % to 4.5 % Timeline XX/XX/XXXX I started the Refi process with Axos Bank XX/XX/XXXX I was unjustly denied based on Axos miscalculation my income. 
XX/XX/XXXX After speaking with a supervisor, Axos bank restarted the application process. 
Axos kept delaying the process for weeks at a time for no apparent reason. I always sent in the requested information in a timely manner. 
XX/XX/XXXX After XXXX  months of stringing me along ( counting from the XXXX  time of application ), Axos finally approved my mortgage... 
... BUT Axos broke the rate lock right before doing so. 

They knew exactly what they were doing, knew where the process was holding, and delayed the refi in order to able break the rate lock since mortgage rates were climbing. 
This is not just bad customer service. This was deliberate and intentional to be able to charge more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Santander Consumer USA Holdings 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 information incorrect

Complaint:
I have done two disputes to XXXX  and XXXX  on my car loan report on my credit it is showing late payments for months that were paid Months XXXX, XXXX, XXXX, XXXX are all up to date but it is showing late payments plus the date are wrong it is showing that the last payment for XXXX  were XX/XX/XXXX in the amount of XXXX and it is showing a balance of XXXX but the balance on my santander account is XXXX and on my XXXX  it is showing last payment was made XX/XX/XXXX which is incorrect my last payment was XX/XX/XXXX in the amount of XXXX dollars which has extended my account until XXXX and it is also showing the balance of XXXX which is also incorrect. I have did disputes, also called and tried to get them to fix it and they are still messing up my credit score!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was contacted by a collection agency stating that I had an account with XXXX XXXX. This is not my account. When they attempted to verify my social security number they realized that my social security number was NOT on this account. I have contacted them about this and have not received any assistance. I never opened this account. The account balance is {$320.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-19
Company: ACIMA CREDIT, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act XX/XX/XXXX, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorised representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act XX/XX/XXXX and what actions s/he has taken in relation to this account. NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 act XXXX XXXX XXXX XXXX has violated my rights 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy

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 2022-05-03
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I deposited a check for {$13000.00} to my personal checking account at Chase which was made out to my girlfriend. It was an escrow account check. We both endorsed the check. The Bank verified with me at the Branch on XX/XX/2022 that the funds were available and in the account. I withdrew part of the money. When I returned home on the evening of the XXXX, I had a notice that Chase had placed a hold on the account until the twelfth. No reason was given and they told me I was overdrawn. When I tried to find out why a Chase representative told me I had to take the check payee and myself into a branch and meet with the manager to properly identify the transaction. I did this on XX/XX/XXXX. On XX/XX/XXXX, I went to a branch to wire money from my account. I was told my account was restricted and would be closed. I was told I had not appeared at a branch with the payee. The branch manager confirmed I was there with the payee but the bank would still not release my funds, telling me they would need to mail me a check for the proceeds in XXXX days. XXXX days passed-no check was mailed, and now they say they have to verify the check with the maker. I have not been able to make my XXXX XXXX XXXX XXXX payment for his college and is he is XXXX next week. I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
VEHICLE LOAN WAS APPROVED ; CONTRACT WAS SIGNED ; THEN DENIED. 

I traded in a XXXX vehicle to purchase a XXXX vehicle at XXXX XXXX in XXXX XXXX, MD. The loan was approved by XXXX on XXXX/XXXX/XXXX for a loan of {$88000.00} aXXXX XXXX XXXX 84 monthly payments of {$1200.00}. The car dealership prepared all of the paperwork which I signed. With financial approval, I took possession of the vehicle and drove it home. 

A few days passed, and the car dealership called me to say that XXXX reversed the loan approval based on my prior history with them. ( I had previously XXXX a Bankruptcy XXXX debt for {$1000.00} with XXXX XXXX on XXXX XXXX, XXXX ). XXXX XXXX attempted to resolve the issue with XXXX on my behalf stating that the incident occurred over 17 years ago, but to no avail. 

I received a letter mailed from XXXX dated XXXX/XXXX/XXXX ( received on XXXX/XXXX/XXXX ) stating that they were unable to approve my loan due to XXXX has Caused XXXX to Suffer a Loss. The letter stated that XXXX obtained my credit score from XXXX and used it in making their credit decision. My credit score was XXXX. 

The unfair credit practices are that XXXX denied me a loan unfairly as my credit score represents good or 'very good ' for credit worthiness and they relied on outdated circumstances from 17 years ago without providing me the opportunity to explain my past hardship and/or my current financial standing. 

As a financial institution, loan approval must be based on existing information contained on the credit report. The actions of the Pentagon Federal Credit Union were not based on the Fair Credit Reporting Act, using information that exceeded the statute of limitations for credit reporting practices. They treated me disparately from other applicants who must have been approved for loans with a credit score LESS THAN XXXX and/or with prior adverse circumstances.

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 2017-10-20
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
ON XXXX I sent letters to XXXX all ACH debits from my account for Payday loan companies ... sent a letter for each company as I got into a Payday Loan Consolidation program ... On XXXX I called Huntington and closed my account ( while it was still positive balance ) on XXXX and now XXXX they continue to take ACH Debits out - which now has my " so called '' closed account at - {$2000.00} ... this is not acceptable - I did everything on my end as I was told to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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. 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 XXXX years. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 2019-07-19
Company: MARINER FINANCE, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Having been dealing Mariner Finance for the last 5 months. I was told back in XX/XX/XXXX if I made my payments on time and stayed current they would dismiss the judgment against me. Well now I got paperwork stating the judgement was finalized on the XX/XX/XXXX. I still have the letter from the Vice President of the company stating such. I want the judgement removed and the account status to reflect that in my credit report and my sons!

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 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
My credit score has been suffering tremendously because these accounts that i have already settled have not been updated. Also, some of them were sold to a collections agency and that leaves my information being prone to identity theft. Now these bureaus have been hitting me hard for that and I am writing this to ask help from you becuase they wouldnt listen 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 2017-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I started this chat with Capital One on Thursday, XX/XX/XXXX. I recently made a large payment of {$4300.00} on my credit card. Usually when I make a monthly payment it takes a day or two at most for my balance to reflect that payment. Now all of a sudden I am being told that there is a hold on my account because they have to ensure that the money was taken from my bank. I confirmed with my bank that the payment was processed on XX/XX/XXXX. This transaction is no different than any other aside from the amount. The money was taken from my bank yesterday, XX/XX/XXXX. Exactly one day after the payment posted. As I have stated if this were my usual $ XXXX monthly payment there would be no problem. However, it seems that now that I am trying to pay down the balance thus giving them much less interest there seems to be a problem with reflecting my available balance. I want them investigated for fraudulent business practices as it seems there is an issue. They of course would much rather hang on to that balance for as long as possible so they can get the interest. I paid a huge amount on another card that I have with them and there was no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am writing as a follow up to Complaint # XXXX ; In which The Company responded on XXXX XXXX, 2017, indicating that this account would be closed per A. XXXX ; XXXX XXXX. 
The account was indeed closed, finally after more than 2-weeks of my paycheck continuing to be garnished for a total amount of : {$330.00} being illegally garnished from my paycheck due to an illegal civil judgement. 
Since this time, I have not had any follow up from this company, or attempt to return the money that they have already received from my paychecks. 
I am asking that this full amount be retuned immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
on the XX/XX/XXXX l pull my credit report and realized Midland Funding has report an amount of {$3900.00} in collection which l have not had any notice of, and also the credit report states original Creditor : Not Available. As result filed for dispute to all three credit Bureaus on the XX/XX/XXXX to investigate it and requested for validation, made pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, along with the corresponding local state laws, also requested for " validation '' that is competent evidence bearing my signature, showing that l have ( or ever had ) some contractual obligation to pay them ( Midland Funding ) .l also wrote requesting Validation from Midland Fund which is dated XX/XX/XXXX since the tree Bureaus couldn't provide me with e validation with my original signature. Midland funding on the XX/XX/XXXX sent me Writ of Summons for trial dated XX/XX/XXXX. As at the time and date filing this complaint either the three bureaus or Midland Funding have provided the Validation with my signature or any contractual obligation to Pay Midland Funding and still have not deleted it from my credit report. The court has reschedule the trail date to XX/XX/XXXX at XXXX XXXX XXXX, XXXX, MD XXXX. l have received a letter from Midland Funding dated XX/XX/XXXX saying they now waiting for additional documents from the Original creditor to conclude their investigation and it may take up to 90 days from the day they received my dispute, meanwhile Midland Funding has issue me with WRIT OF SUMMONS and the trail is XX/XX/XXXX. THE CASE # XXXX Date filed:XX/XX/XXXX Issue Date:XX/XX/XXXXserved Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
A cashiers check was sent to TJX Rewards Card in XX/XX/2021. It was cashed, funds removed from my account however never applied to my credit card balance. I called TJX with my bank ( UCCU ) on the line to resolve this issue 7 times. On 2 occasions they said they found the payment and credit my account only to withdrawal the funds at a later time. I paid the balance off with additional funds as I didn't want to be charged for interest. We also have 2 phone recordings where they said they found the funds. The account is closed yet I have a {$6700.00} balance which is accruing interest.

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
Consumer complaint received 2022-05-03
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I registered myself few days back with PayPal and received my first payment today for the freelance consulting services provided by me to a XXXX based client. The moment the invoice was paid by the client, the amount went into hold and there was a temporary account limitation imposed which I tried to resolve by submitting the asked documents but it went into permanent limitation. My email registered with PayPal is XXXX. 
I have checked the user agreement and could not find anything that could make my account limited. I have complied with all the terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: DISCOVER BANK
State: CA
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:
In a review of my credit report I have a hard inquiry from Discover, XXXX, DE. I have not applied for a discover card or any related to discover. I am working on my credit to keep my score down and noticed that this is the second time Discover, XXXX, DE has requested a hard inquiry. I was under the impression that only companies that I have given permission to run a credit report are allowed to access? It is a low impact on my overall credit, however, if I have not given permission how are they accessing? I had a discover card back in the XXXX, but that was paid off, how can they continue to request and why?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: MD
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:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. 
Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXXXXXX 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 XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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