BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-27
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a report from Experian stating I received a negative report on my credit history. I contacted them and Experian sent me a report from Experian  XXXX   XXXX . The report lists a Late rent payment made in  XXXX    XXXX   to management of  XXXX   XXXX .     I am not the responsible party for the late payment. I attempted to make direct payment by check to their office several times, as I have always done on prior occasion, to no avail.      1. Exterior  " after hours '' payment drop box was fixed shut so as not to allow direct payment via this method ( as normally done for previou s two years ).     2. Office was ( understandably ) close d on  XXXX   XXXX   ( d ue date ).    3. Office w as also closed all day Monday,  XXXX   XXXX . I attempted payment delivery before going to work, and again after work  4.  On  XXXX   XXXX , I again attempted payment delivery around  XXXX  before going to work but office was not yet open. Upon return after work around  XXXX , I yet again attempted delivery but office was closed.    XXXX . On  XXXX   XXXX , I delayed going to work until office opened at  XXXX  and handed payment to office personnel, then went to work late.     The following day I received a rather unseemly note attached to my door stating that my payment was late and must be payed immediately by cashiers check to also include a late payment fee of {$120.00}, even though my payment had been accepted by office personnel the previous day. As a resident of this facility for some three years, having always paid my rent on time, and given all my attempts to pay on time in  XXXX , plus the fact that the " after hours '' drop box was disabled AND the office was actually closed and not accepting any payments for  two of the first three da ys of  XXXX , I was completely dumbfounded by this response and advised management so. At that time they apologized and told me my check was accepted and rent was considered paid.   However, the following week I was told that I still must pay the late fee of {$120.00} even though management had made the possibility of punctual payment near impossible.     I judiciously try to maintain a credit rating above  XXXX  at all times. I fully believe I made all reasonable attempts to pay this account on time and feel it is management 's mutual responsibility to take measures making client payment as convenient and reasonable as possible as well. It is unfair to taint my credit history with a late payment solely as a result of management 's measures to make client payment so very difficult.

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 2017-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
" Portfolio Recovery '' calls my home at least 10 time s a day. This has been going on since I moved in  XXXX   2015 . They never leave any message to let me know what this is about. I am a 100 %  XXXX  vet and am tired of getting my   XXXX   XXXX   XXXX    to the phone every time they call. This is harassment. I have no idea what this is regarding as they never leave a message, nor have they mailed anything to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX verified late payments that they deem to be incorrectly reporting Equifax and XXXX had a open dispute They stayed XXXX reported the payments back on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX, XXXX, and Experian - all have negative items on my credit report that are false as these accounts were opened fraudulently without my notice.

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 2021-10-19
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: Old information reappears or never goes away

Complaint:
I sent in a letter to correct my personal information on file. sent all proof they need please up it

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 2015-07-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied in XXXX with XXXX XXXX XXXX XXXX for assistance with applying for a forbearance on my home mortgage XXXX where I lost my income. I was XXXX on XXXX XXXX 2015. XXXX my finances were exhausted XXXX. I applied with Chase Bank 's Forbearance program immediately after the injury as it was offered to " Help homeowners '' until Financial changes allow my return to some financial stability. 
After waiting XXXX months and no response to our forbearance application with Chase we turned to XXXX for help. XXXX counselors have helped us compile all the documentation for the submission to the bank for the past XXXX months. 
After XXXX submitted the packet, Chase responded with requests for paperwork we submitted, some multiple times. I received phone calls directly from the bank as well, asking for what I previously submitted. The bank then subsequently sent me an entire application packet directing me to submit as if we were never working with the XXXX the bank the past XXXX months. 
This week I received an email from a loan modification expert that is not connected with XXXX and I am not working. The bank contacted her to discuss my case, a case that she is not connected to in any way. Chase Bank contacted an agent from a company that I am not working with and in my opinion violated my right to privacy by disclosing information to a third party without my permission. 
I would like assistance to filing a complaint for this violation and also file complaint that Chase has, and is delaying my modification thru their actions of misappropriating my paperwork as well and not responding to prior application I filed delaying this process now 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Payoff process

Complaint:
I paid off an outstanding account in full with XXXX credit card. I have asked the company to update my credit report and that they provide me with a letter stating that all the accounts I had with XXXX were closed and paid in full. I have made XXXX phone calls so far and have been unable to get a letter or any results. I had XXXX accounts with XXXX. They keep sending me the same letter for XXXX account but not for both of the accounts especially the XXXX account I paid off that is still showing on my credit report. I called today to report that they only sent me XXXX copies for the same exact account and that I would need a letter for the other account. The XXXX person said I needed to be transferred and disconnect the call. The XXXX person would not give me his name was XXXX with reference number XXXX. After taking all of my personal account information he stated that he was able to review my account letters and saw that XXXX were mailed out. I informed him that they keep sending me the same letter for XXXX account number and needed XXXX different letters XXXX for each separate account I had. He then stated he could not hear me and disconnected the call. This has been going on for over a month at this point and I still do not have the letter I need to get this removed from my credit report, since XXXX keeps stating I need proof it was paid. Please help to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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 a clear inaccuracy and a clear violation against my rights, Please update this account accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Yes I really need help my personal information was compromised as a result of that my Identity was used to apply for some kind of credit. I have multiple Inquiries on my credit report that are fraudulent. This not not my doing at all as a matter of fact the dates are like back to back applying for credit. Thank you for helping me resolve this matter. 


XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021 - XXXX XXXX XXXX. XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX. XXXX, 2021 - XXXX XXXX 

XXXX XXXX, 2021 - 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 2021-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XXXX, I moved to XXXX, TN and opened a Bank of America credit card account since Bank of America had a storefront here. I quickly realized I did not need this card. I paid the full account down and instructed the bank to close the account, but they did not. A recurring nominal ( {$10.00} ) XXXX XXXX XXXXXXXX subscription fee hit the account. I was unaware and only became aware recently ( XX/XX/XXXX ) upon requesting a home loan from a separate bank. This is creating a problem for me in accessing a home loan as this is showing up on my credit report as {$44.00} charge off and a series of late payments. This is completely inconsistent with my previous credit history. I feel that the bank made it extremely difficult to pay off my total debt and close this account. I have reached out to them to address this, but they have been uncooperative signaling that it is the consumer 's responsibility to monitor their credit. I have also filed disputes will all 3 credit agencies. I was under the belief that this account was paid off and closed. I request help in removing this from my current credit report. Thank you.

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 2022-08-03
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681, section 602 A. states I have the right to privacy 15 U.S.C 1681 SECTION 604 A. Section 2, also states a consumer reporting agency can not furnish an account without my written instructions.

Please request the creditor to show proof of the original contract with the address that was used. Otherwise please delete this erroneous account.

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 2021-10-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check in my business account with wells fargo. They put a hold on the check claiming that the signature did not match. the check was written from a customer that uses XXXX XXXX. Both bank accounts are located in the state of Maryland,. Called my customer to ask him to cancel the check, customer stated his check has already cleared his bank. I have called and stayed on hold with wells fargo for hours and hours with no resolution. They have directed me back to the other bank several times and XXXX XXXX  has stated several times they do not share signature cards nor customers phone numbers. One Wells Fargo customer service person even went as far to tell me that the federal reserve has my money and they are refusing to release it. I am a small business owner and this may not be a lot of money to some but this cost me 2 employees I now can not pay, they have bounced my business insurances twice now and have the nerve to charge me XXXX dollars everytime. Wells Fargo bank is killing my business with their unethical and unlawful business practices. They are virtually stealing from me and I want my money. I have two more checks from customers I am afraid to deposit for fear of never seeing my money. this bank is horrible, I want my money and monies lost from time spent dealing with them. 
I am now on hold waiting to find out a name and number I can use to file a lawsuit but they cant even give me that. This bank is just bad!!!

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 2021-10-19
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report and below. 
I am a victim of identity theft and did not make nor approve these inquires. I demand that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

According to " 15 U.S. Code 1681q. Obtaining information under false pretenses '' it states " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. '' I feel these companies should be liable for the false pretenses they took upon my account. The following inquiries should be removed at once. 

Fraudulent Inquiries : Inquiry Name : XXXX XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX  XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX  XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX  XXXX  XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX XXXX XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX  XXXX XXXX XXXX Inquiry Open Date:XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Open Date:XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX XXXX XXXX  XXXX  Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Open Date XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I took out a loan in  XXXX  of  XXXX  for a used car with a huge interest rate because of my credit issues from a very corrupt suto company and it was financied through  Credit Acceptance. I n  XXXX  if  XXXX  the car was repossed due to late payments I paid the past due amount in  XXXX  to get the car back from repossession. This is where my tragedy starts, when I picked the car up from the auction the interior was completely covered in MOLD. So much that I could n't sit in tbe car. The auction attempted to clean the car claiming it was sent that way from the repo company i called the finance company credit acceptance and told themI could  not drive th e car because of the mold. The auction cleaned the car was still filled with black mold. I told the finance company I could not keep the car even after extensive cleaning. I have  XXXX  boys bor n at 27 weeks  I let credit acceptance know my son is extremely allergic I  can not drive  him around in the car. They refused to take responsibility for the fact that their repo company left the windows down and the car was rained in for almost 2 months on and off. What was I to do. I had them come and get the car after they refused to help clean the car  so I could drive it with m y children. I have pictures to coloborate my story

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 2017-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On    XXXX   XXXX   XXXX    I made a {$20.00} ATM withdrawal from my credit card and was charged a {$10.00} ATM Withdrawal Fee. I do not recall seeing the disclosure saying that I would be charged {$10.00} for this {$20.00} withdrawal ; If I had, I would not have continued with the transaction. I seem to recall the disclosure stated the standard {$3.00} fee, as when I use my debit card, would be 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 2021-10-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent information from my consumer report and from there internal data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a credit card with Khols/Capital One in  XXXX   XXXX . I noticed fraudulent charges on my card. Khols said they were working on it. They closed the card. Then they charged it off in  XXXX . They reported it as a charge off. They never investigated the fraudulent charges. Now here we are in  XXXX  and all of a sudden Khol 's is reporting a 150 day late payment as if the card is still open. They just started doing this each month since two months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I consumer : XXXX XXXX jointly with XXXXXXXX XXXX XXXX went into a consumer credit transaction with Santander Consumer USA on XXXX XXXX, XXXX. On numerous occasions we have reached out to SANTANDER CONSUMRT USA about the issues at hand. Most recently we were informed by SANTANDER CONSUMER USA that they do not abide by the IRS/Treasury Ordinance Department , nor the Uniform Commercal Code ( UCC ), nor the United States Code ( title 15 ), nor the Truth in Lending Act ; and finally mot even the Consumer Finance Protection Bureau ( CFPB ). All this is alarming and disturbing. All this was divulged at approximately XXXXPM est. standard time on XX/XX/XXXX with Agent XXXX from executive offices employee # XXXX this was all on a recorded line. Agent XXXX from executive offices employee # XXXX informed he called concerning the requested title for the vehicle. Agent XXXX from executive offices employee # XXXX informed me that they would not be granting me the title. Agent XXXX from executive offices was informed that a 1099-A was done on the account and vehicle and that a 1099-C was going to be done in addition. Agent XXXX employee # from executive offices informed that they do not accept IRS forms 1099-A nor any of the IRS/Treasury Dept . forms or documents. 

The reason this was done was because on XX/XX/XXXX Santander reported the Account status as closed and the remarks regarding the account as ; : charged off as bad debt Profit and loss write-off. When communicating with Santander in regards they denied the account status was closed and that they had reported that ; despite the credit reports reading otherwise. When asking Santander the reason as to why, Santander infomed the charge off was because there was no payment for 120 days. The report read otherwise stating that last paynabt was nade on XX/XX/XXXX and also reported that time late XX/XX/XXXX days were XXXX. This is all in the report. 

The reason Santander most likely closed this account was due to the Affadavit sent to Santander Consumer USA and there tacit acquiesence of non response. Again when reaching out to Santander to in regards to the affadavit sent by registered mail Santander gave me every excuse they could find as to why they have exceeded the legal and lawful amount of time to answer. 

After realizing they charged the account off and reported it closed as profit and loss write off, I filed with the IRS/Treasury Dept . Santander is reporting inaccurate and fraudulent information violating title 15. Santander in addition sent correspondence stating I infomed them I was military and no such correspondence has come from me in regards to the military to anyone. i value our service persons dearly and have many family members serving and that has served this county. This is slander and libel. 

In concluding all documents and receipts are contained within in regards to this report,

Company response to consumer: Closed with explanation