BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: IL
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:
There has been unauthorized hard inquiries on all three of my credit reports without the companies providing any proof my intent, signatures or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Called mortgage broker XXXX XXXX @ Impac Mortgage XXXX/XXXX/16 & requested he re-establish my escrow acct. He said he would. Called Cashcall XXXX/XXXX/16 XXXX am. Spoke to XXXX. She said she would set up escrow acct & have insurance agent send her the bill. Called Cashcall again on XXXX/XXXX/16 & spoke to XXXX. He apologized for XXXX not setting up escrow acct & said he would set it up & would expedite it thru his manager. Escrow acct still not set up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: JPMORGAN CHASE & CO.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello I am reaching out because I have lost my car, home, and I 'm losing my health due to me not being able to purchase my medication. I 've been banking with Chase since XX/XX/XXXX and have been receiving my same deposits with no change being made, but as of recently someone restricted my account due to what I believe was a error of {$1200.00} through some type of remote deposit. I spoke with Chase and told them that had to be a error and the payment would be resent via direct deposit and they said okay but my account would remain restricted. I waited on my next deposits to come in and they were on time to meet my bills, but Chase said they decided to close my account so I said cool just give me my funds. I updated my direct deposit with my employer so no other funds would come to that account but {$23000.00} of my dollars still managed to go that account and here is where the problem begin. I was told my account was restricted and that a thorough review are done over each transaction going in and coming out so I had a ACH come in my account that was looked at carefully before being accepted. Chase took the {$1200.00} dollars that I owed them and said they are not giving me my funds because they are in my publishing and stage name instead of my government name but it 's been that way since I opened my account. I did everything I was asked to do from the back office to the branch but I ca n't seem to get chase to understand the illegal part of holding my funds for no reason so I spoke with my employers and they said well if Chase had a problem with the deposit why did n't they just send it back to us to reissue it and I told them what the XXXX told me which was it 's to late to recall the money once it 's in the account and it confused me and my employer for a XXXX to say if some money is incorrectly sent to a bank account it ca n't be recalled I 'm sorry but I 'm lost and had no other choice but to reach out to you or file a lawsuit and discrimination claim against these chase executives please assist me with this matter if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I borrowed loans from sallie Mae to attend school at XXXX XXXX University with out knowing that each seperate loan would be due for repayment at the same time. I thought it would be a consolidated loan that would be in XXXX manageable payment each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: JBS Finance, Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Iam here to complain that i made arrangements with loam company JBS Iam currently 8 days behind and Talk to the office manager XXXX advised i would make payment om wednesday XXXX/XXXX/2016 and they came and repo my car on the XXXX/XXXX/2016 I was 8 days late they lied and took car anyway please can you help XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a PNC Bank checking account when I'm trying link XXXX account card for savings on gas PNC will not allow them to link their XXXX XXXX  card to my account even though I am authorizing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I just received an updated copy of my credit report and there are some HARD INQUIRIES that I do not recognize. 


XXXX XXXX - XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-22
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have paid these people over {$3000.00} on a XXXX acount they say I still owe them {$1500.00} ..I told them that I live on social security and can not pay the illegal usury interest rate of 1000 % .I am XXXX years old. this guy would not give me his name but he at XXXX XXXX. on XXXX/XXXX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Federated Law Group
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have asked for validation and verification on several occasions and these people have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR XXXX , XXXX, or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR XXXX , XXXX, FEDERATED LAW GROUP, PLLC has sent me a notice of lawsuit filed, but since this is a communication from a DEBT COLLECTOR they would have to take the consumer to a UNITED STATES DISTRICT COURT to get a competent jurisdiction to say that I owe them anything which they have not been able to show. These individuals have put entries into my personal credit reports and they have been disputed but they still show up as my account. I did not give them my private non-public information so I do not know how they obtained it. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so They have harmed my consumer natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR XXXX XXXX, FEDERATED LAW GROUP, this is aiding and abetting fraud on the Consumer who is a natural person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-19
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XXXX 2016 I reviewed my credit report and notice a collection account with the Phoenix Recovery Group. They claim I owe them {$2500.00}. Therefore on XXXX XXXX, 2016 I sent a validation letter requesting information on the account they claim I owe them. My letter requested to provide proof of the account. On XXXX XXXX, 2016 I received a letter from the Phoenix Recovery Group with a list of charges however I do not agree with several of the charges such as " replace XXXX drip pans '' of {$16.00} and " Carpet Replace Required - Pet Damage '' of {$400.00}. I responded on XXXX XXXX, 2016 disputing several of the charges list on response to the validation letter and to date I have not received a response from The Phoenix Recovery Group. I have attached all correspondence for this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I filed a dispute with Equifax regarding XXXX Account XXXX. This is an apartment complex : XXXX, XXXX , FL XXXX ( XXXX ) XXXX. I called the apartment complex to inquire why they have reported me to a credit bureau. They have no record of this debt. When I disputed it with Equifax , Equifax responded by saying XXXX XXXX XXXX confirmed it is legitimate. I have not received due diligence from Equifax in investigating this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTERXXXXBANKRUPTCYDISCHARGED 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 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
There has been unauthorized hard inquiries on all three of my credit reports without the companies providing any proof my intent, signatures or information.

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 2022-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have 6 hard inquiries on my credit report that I didnt approve or authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25
Company: EQUIFAX, INC.
State: TX
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:
THIS IS IN REFERENCE TO A XXXX  CREDIT CARD WITHA BALANCE OF XXXX I HAVE ADVISED CRDEIT REPORTING COMPANIES XXXX, EQUIFAX AND XXXX  THAT THIS IS A DUPLICATE ACCOUNT. THEY ALL KEEP VERIFYING IT AS ACCURATE. XXXX HAS CONCEDED THAT IT IS BEING REPORTED INACCURATELEY YET THEY VERIFIED IT AS ACCURATE WITH THE BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
A collection account from XXXX XXXX XXXX that was previously removed from my Experian credit file was re inserted onto my file. This account was included in chapter XXXX and should be not be listed as it was previously removed. This account is not collectible due to it being discharged

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 2020-06-17
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the equifax data breach and have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX  days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.

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 2016-10-14
Company: Resurgent Capital Services L.P.
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
LVNV LLC is reporting on my credit report that I owe their company {$640.00} dollars. I have submitted in writing asking them to send me any signed documentation by me that I owe this balance and for what. LVNV has not responded to my request for the signed documentation but continues to report this on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was mailed a debit card from Frost Bank. I never opened an account with them. I called FROST Bank and they told me someone opened a checking account with my date of birth and social without my knowledge. the account was declined, I was told to contact you and all credit bureaus and to report identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XX/XX/XXXX I cosigned a vehicle for my son. My son did not have credit established so they required a cosigner. I was a homeowner with good credit. My son needed a vehicle for work, so we did not have any other options. 

The terms of the loan were predatory. We financed with Santander. The vehicle was a XXXX XXXX. The amount financed was {$27000.00} for a term of 84 months with monthly payments of {$670.00}. This puts the interest rate at 23.5 %. This was a usury rate. 

My son has had a constant struggle maintaining his monthly payments. He has been running 30 days late for nearly three years ( rolling 30 ). He has made multiple calls to the lender to work out a repayment or modification that could bring his account current so he would not be adding additional fees. Santander has been unwilling to help in any way. The slow payment has ruined his credit, as well as mine and disqualifies him from refinancing. His additional payments have been applied to his past due late charges, so he is never getting caught up. 

Last week we attempted to trade in the vehicle in an effort to get out from underneath this car payment and credit situation. My son has been paying on this vehicle for 76 of an 84 month term ( more than {$50000.00} ), and we discovered that he only has 28 % of the vehicle paid off. The numbers do not make any sense. If my son paid the remaining 9 payments he would have a balance of {$13000.00} remaining. The current balance on this vehicle is {$19000.00}. My son is unable to trade in the vehicle as the value is 25 % of the balance due after paying on this vehicle for more than 6 years. Even if the full term of payments were made, he would owe more than double of the value of the vehicle, this makes no sense whatsoever. 

This situation does not make any sense and I do not understand how this is legal. My credit has taken an enormous hit due to this situation, and with the fees that have been added I can not see a way that we can remedy this situation. Santander has clearly taken advantage of its consumers that are unaware of how they work and what they are charging. They are making it impossible to remedy an already bad loan by adding additional usury costs and fees that trap the buyer in a bad loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02
Company: DISCOVER BANK
State: TX
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:
I contacted Disputed all charges that were posted to my account after XX/XX/XXXX. The last time I used the card was in XX/XX/XXXX. Therefore any charges that were posted to my account in XXXX are fraudulent. 

ALL charges that posted from XX/XX/XXXX to XX/XX/XXXX were fraudulent. I had not used the card since XX/XX/XXXX. 

My house was vandalized/burglarized on XX/XX/XXXX and I was incarcerated on XX/XX/XXXX and not released until XX/XX/XXXX. Therefore. I could not made of the purchases that were posted to my credit card during those dates. 

Since arrest records are public it is very easy to confirm the fact that I was incarcerated. It is obvious that my financial and personal information was comprised before and/or after my home was burglarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am very concerned that it seems as Experian has not followed the provisions of the Federal FCRA which specifies that a reasonable investigation to determine whether the disputed information is inaccurate/unverifiable or delete the item. It states that if information disputed by the consumer is found to be inaccurate, incomplete, or can not be verified that the consumer reporting agency shall promptly delete the information from the file. In this case no verification of these listings was provided. I initiated a dispute with Experian for a listings for XXXX XXXX Bank XXXX and XXXX XXXX, that should not be on my credit report. The investigation was completed by Experian noting that the outcome of the dispute was Updated. However, there was nothing updated and the listings are still showing with the same information prior to the dispute. I contacted Experian over the phone because the listing looked the exact same prior to the dispute and should be removed. On a recorded line the representative verified that he saw the exact same thing I did that there were no changes. The credit bureau is not following procedures on making sure creditors are substantiating listings to reports. It 's almost as if they work for the creditors. I also have been having an issue with this company removing an inaccurate address that should not be on my file. I have requested numerous times and they tell me that they ca n't remove it when they can.

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