BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX. I made a request for Credit from XXXX XXXX. I was denied and then received a notice that I could view my denial letter online. So following the instructions to view this the Words were the following " Based on a report from 3 Local Agencies it shows I am deceased. I assure you I am not deceased. I have attached the denial Letter stating I was deceased as well as I am XXXX XXXXXXXX since XX/XX/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 2017-06-06
Company: EQUIFAX, INC.
State: PR
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 'm trying to buy a HUD foreclosure property. The bank do a background credit check and found the debt amount of {$22000.00} to the IRS. They told me and I said them that account is n't mine. So, I decided to call XXXX to report the problem and I went to their office in XXXX, PR too. Then call and go to the IRS office and do all the steps they said I have to go and I do it. I go to the IRS office in XXXX, PR too. First, I report the problem to XXXX XXXX because in my credit information report they are the Company who are referring the issue to the credit. I do the report # XXXX by telephone on XX/XX/XXXX. XXXX XXXX said I do n't have any issue on my credit information but I request my credit information anyways and the debt appear on credit information. I call again to XXXX XXXX and notify the issue twice. I said I have a Letter on a second name XXXX And I never had a second name, and I never been at Georgia where are the tax information on my credit information. Then I do a second reclamation on XX/XX/XXXX at XXXX XXXX. And they only eliminate the letter XXXX on the second name and send me the credit score again with the same problem. Then I called to the IRS and do the request. They request some papers I download sign and send the information by fax on XX/XX/XXXX. Later we call a lot of times by phone, but we decide to get an appointment and go personally there. We went to the appointment in XXXX IRS offices on XX/XX/XXXX at XXXX. They said sent a letter that is on the way but the letter never land at my hands. Then I go personally to XXXX and social securities office in XXXX at XXXX and the person who attend us give us an appointment to XX/XX/XXXX, to go there with all the required information. But for me Is too far because I 'm trying to buy a house. On the same day XX/XX/XXXX I do a report on the police station too. Today I do another claim on the FTC report # XXXX. Please help me to solve this issue. That debt Is n't mine at the social security they said the person are using my identity from XX/XX/XXXX and I submit evidence to the IRS I have been in XXXX from XX/XX/XXXX to XX/XX/XXXX. I 'm tired from this situation and I will lose the opportunity of buy my house for this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Received unsolicited text messages XXXX, over and over saying Ive received a Capital One Credit Card, they use different email but the last characters are the XXXX Ive written back STOP, but they continue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I called on XX/XX/XXXX to get my remaining balance of {$520.00} left from a prepaid debit card for child support from XXXX State. They said a check would be sent within 15 days. I called again on XX/XX/XXXX and was told it had only been 14 days and to call again if it didn't show up the following day ( XX/XX/XXXX ). 
The chack had not come by XX/XX/XXXX and I called again and was told the check was never sent the first time, but would be sent this time. I waited another 15 business days and no check came. I next contacted the XXXX State Attorney 's General office and filed a complaint. Bank of America had a collections agent call me to acknowledge the complaint on XX/XX/XXXX. They were then required to contact me again by the XXXX. He called and left a voicemail and I returned the call within 5min and left a message. I called again at XXXX that day and again at XXXX and XXXX the following day and again to following Monday ( XXXX XXXX, 2019 ). Each time the call went to voicemail and my calls were not returned. In addition to the balance, I would like a list of any fees that have been charged.

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 2017-06-16
Company: Sentry Credit, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving calls from collection agency regarding an ambulance bill from XXXX WA Fire Dept. I have repeatedly asked them to not call my work phone. I have repeatedly requested that they mail a letter showing the original service date ( s ) and they have mailed anything.

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 2017-06-06
Company: Experian Information Solutions Inc.
State: PR
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 'm trying to buy a HUD foreclosure property. The bank do a background credit check and found the debt amount of {$22000.00} to the IRS. They told me and I said them that account is n't mine. So, I decided to call XXXX to report the problem and I went to their office in XXXX, PR too. Then call and go to the IRS office and do all the steps they said I have to go and I do it. I go to the IRS office in XXXX, PR too. First, I report the problem to XXXX XXXX because in my credit information report they are the XXXX who are referring the issue to the credit. I do the report # XXXX by telephone on XX/XX/XXXX. XXXX XXXX said I do n't have any issue on my credit information but I request my credit information anyways and the debt appear on credit information. I call again to XXXX XXXX and notify the issue twice. I said I have a Letter on a second name XXXX. And I never had a second name, and I never been at Georgia where are the tax information on my credit information. Then I do a second reclamation on XX/XX/XXXX at XXXX XXXX. And they only eliminate the letter XXXX on the second name and send me the credit score again with the same problem. Then I called to the IRS and do the request. They request some papers I download sign and send the information by fax on XX/XX/XXXX. Later we call a lot of times by phone, but we decide to get an appointment and go personally there. We went to the appointment in XXXX IRS offices on XX/XX/XXXX at XXXX. They said sent a letter that is on the way but the letter never land at my hands. Then I go personally to XXXX and social securities office in XXXX at XXXX and the person who attend us give us an appointment to XX/XX/XXXX, to go there with all the required information. But for me Is too far because I 'm trying to buy a house. On the same day XX/XX/XXXX I do a report on the police station too. Today I do another claim on the FTC report # XXXX. Please help me to solve this issue. That debt Is n't mine at the social security they said the person are using my identity from XX/XX/XXXX and I submit evidence to the IRS I have been XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I 'm tired from this situation and I will lose the opportunity of buy my house for this problem.

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 2017-06-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Contacted the credit bureau the beginning o f  XX/XX/2016 . I h ave disputed this account every month until now. They stated that it was varied account was mine but I have submitted in proof that I owe no such company. I also attempted to reach out to the original creditor and they still have sent valid proof of owing account. The information they sent me was a document stating a different company names. On my credit report it is listed as the original creditor being  XXXX . The document they sent with no signature states the original creditor being   XXXX   XXXX   XXXX  . My name is also spelled incorrect on the document.

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 2019-12-09
Company: JPMORGAN CHASE & CO.
State: IL
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: Overcharged for something you did purchase with the card

Complaint:
Filed a police report onXX/XX/19 with XXXX  XXXX  Police Department.  The over charges on my account were for $ XXXX on Chase XXXX  $XXXX Chase Freedom and XXXX on XXXX XXXX XXXX. The dates the over charges where done on wereXX/XX/2019 by XX/XX/XXXX. The credit cards where Chase XXXX, the current card # is XXXX XXXX XXXX XXXX  exp. XX/XX/.  The other card is Chase Freedom card  # XXXX  exp.XX/XX/, XX/XX/XXXX # XX/XX/ .  I would really appreciate some help with this and I thank you for your time and efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: OPORTUN FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2022 someone tried to take out a personal loan under my name for {$7500.00}. OPORTUN INC/PROGRESO FIN who offered the loan have been contacted to remove their credit inquiries. However, there hasnt been any communication from the Oportun and their credit report is not removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/2018 I wrote a letter to Nissan explaining that my payments are late because I am trying to get back on tracker after a loss in the family. My payments have been late but not more then 30 days. They have wrote me back but did not respond to my urgent need of my financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been a Citibank customer for many years with a great credit and payment history. In XX/XX/2019 I logged in to my account, on the due date, and wanted to split my payment into two payments and was unable to do so. There isn't an e-mail address, which I prefer to communicate. Near the end of XXXX, before the closing date of my next month's statement, I called and spoke with someone in their "hardship" program. I explained that I wanted to change my due date because of how my payroll fell and that I would like to do bi-monthly payments. I was told that now that my account was past due they couldn't change my due date/billing cycle. The company offered me a six month program of $XXXX for six months. I again stated that I could NOT pay this amount on the XXXX of the month because of my pay cycle. However, I would pay this amount when I was paid. I set up an automatic payment for $XXXX  on my payroll date and that was taken from my account. And now because I didn't pay on the XXXX of the month that agreement is null and void. I have reached out twice more via CHAT and was told the same thing, my due date cannot be changed because I am past due. I have asked for a set monthly payment, lower rate, change my due date to no avail. I am not unemployed, but have experienced a job change with a lower annual salary and have assisted my daughter and granddaughter with living expenses this past year. Which I have shared multiple times with Citibank. I am not unemployed, I just need to be able to at least change my due date so that I can pay bi-monthly to meet the amount due each month. All the while the interest rate and late payment, not to mention my credit has taken a hit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: ACIMA CREDIT, LLC
State: NJ
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:
There are now XXXX accounts from Acima and the address associated to them is XXXX XXXX XXXX XXXX PA XXXX. I have never lived at this address or in Pennsylvania. I have disputed these items so many times and XXXX will not remove them and I have also contacted Acima directly. XXXX tells me I can not dispute the address online since it is associated to Acima but I have disputed Acima 7 times with no resolution. The owners and residents of this address are named XXXX and XXXX XXXX and I am not related to them nor know them. XXXX was sent documents of proof and still will not remove the address or fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX XXXX never gave transunion any written consent to report anything on my consumer report. No consent is identity Theft. This is a direct violation of Federal Law! 
Transunion credit reporting agency is reporting 8 collection accounts and never produced a written consent from me the consumer!

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 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The reason for this complaint is to dispute unauthorized inquiries on my credit report. I retrieved a copy of my credit report and discovered a few inquiries that I have no knowledge of. Because I did not apply for credit with the following : XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX and XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. I have also reached out asking that they remove the inquiry from my credit profile. 
those inquiries I have mentioned to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if those creditors is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
In XXXX of 2020 we purchased a vehicle from XXXX after our car was totaled by someone who had ran a stop sign. Upon purchasing we were asked for our banking information and desired payment option and guaranteed that automatic draft payments would be made from the account provided. Santander Consumers was NEVER mentioned to us until the car was repossessed. We were also under the impression that the payments were coming out automatically until the day of repossession. When we called Santander we explained this to them as well as our reduction of income due to Covid-19. We also explained that we would pay the balance owed to catch up and they refused, stating that the account was too new to be reinstated. They told us our only option was to pay the remaining XXXX left on the loan. My husband basically begged them to let us pay what we owed being that he is currently XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX soon and has no other means of transportation. They still refused. We were completely unaware that the payments were not coming out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This compliant relates to Chase not making payment on time for escrow funds. 

On XX/XX/XXXX, I faxed 2 supplemental tax bills to Chase Mortgage on my newly built home and mortgage. Chase purchased my mortgage from another lender shortly after settlement. This is my first experience with Chase. 

Earlier I received a partial refund of my Escrow account ( in XX/XX/XXXX ) from Chase, presumably a result of settlement dollars being fully processed after settlement and closing. 

On XX/XX/XXXX, I called Chase to inquire why the tax bills had not paid on time. I was informed that the taxes are still being processed. I was also informed that they have a 7 day processing policy for these requests, but a ticket was only opened on XX/XX/XXXX, 22 days after I faxed in the tax bills. As of XX/XX/XXXX, the bills have not been paid and I have now received a delinquency notice from the taxing authority. 

On XX/XX/XXXX, I was also told by a Chase service agent that the payments for the Taxes are still 'in process '. I asked to file a complaint and was transferred to a supervisor to do so. I was asked by the customer service agent and the supervisor if I cashed the XXXX escrow refund check to which I answered yes. I asked if I shouldn't have cashed the refund check in XX/XX/XXXX, and the supervisor replied that yes I should have cashed it. I am aware that the new tax bills would represent a future shortage during the next escrow analysis. 

My complaint is simply that Chase is not processing escrow payments on a timely basis and I now have to pay penalties from the local taxing authorities. As a new Chase customer, I did everything I was supposed to do and was only provided excuses from Chase, saying that they only received my request on XX/XX/XXXX, when in fact, I have proof ( fax confirmation ) that Chase actually received it on XX/XX/XXXX. 

The Chase supervisor agreed to escalate and monitor payment, and call me back when paid. 

Someone should be regulating Chase 's Escrow department for timeliness of receipt and payment of customer escrow requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-14
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo mobile deposit hold policy, I deposited a check from XXXX XXXX  for {$920.00} on XX/XX/XXXX, on XX/XX/XXXX all the funds were available, I have made a few debit card purchases, and at XXXX XXXX on XX/XX/XXXX the deposit was placed on hold for the entire amount of XXXX, I called the Customer service department and was told the check was flagged " refer to maker '' On XX/XX/XXXX, I called XXXX XXXX and was told the check was paid on XX/XX/XXXX to wells fargo bank. I email a copy of the paid check to the XXXX XXXX and asked for a manger to call me. At XXXX XXXX called me and left a message from the branch and said I needed to contract the maker of the check. She did not acknowledge seeing the copy of the paid check. I called CS and asked to have this issues escalated and was told it would take 48 hours. Mean while my checking account was frozen with a negative balance and no funds until XX/XX/XXXX. when the hold would fall off. I did not know that a 7 days hold would be placed or I could have just gone to the branch to make the deposit and it was not even reasonable that the funds would be placed on hold after all the holds were release the next day after the mobile deposit. Once prof of the paid item was sent to the branch- the hold should have been removed.

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