BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-18
Company: Account Management Services, Inc.
State: CA
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:
Date XXXX Account # XXXX Amount XXXX. XXXX XXXX XXXX XXXX. XXXX, due to inconsistencies of dates and information. In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights 15 U S C 1681 Section 602 A States I have a 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Due to the nature and urgency of my concerns of fraudulent activity while opening my account at J.P. Morgan Chase Bank in XXXX XXXX, CA. I made an attempt to hand deliver the following letter and all XXXX XXXX Chase staff members refused to sign for the delivery. Therefore, I sent my correspondence via USPS Certified Mail. 

XXXX XXXX J.P. Morgan Chase Bank XXXX XXXX XXXX XXXX, Ohio XXXX CERTIFIED MAIL XX/XX/2021 RE : Authorization to Release Social Security Verification | Account XXXX Dear XXXX XXXX, I am writing to revoke the authorization to release social security verification form and the online application for checking account ending in XXXX. The reason being is the manner in which you obtained the authorization to release the social security verification form. It was in more of a furtive, conniving fashion which is not acceptable or professional. 

I dont recall ever having to sign this release to open a checking account for any financial institution and this document ( without preface ) was slipped in during our conversation in the process of opening my account. If you require to view or need a copy of my social security card, then all that you had to do was to ask for it. 

I also did not receive my login username to obtain copies of the account disclosure documents, nor did I receive any type of information related to my account. 

Regards, XXXX XXXX Hand Delivered to the Office of : XXXX XXXX | Chase Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Received on XX/XX/2021, in Person or in C/O by : Printed Name : ____________________________ Signature : ___________________________ CC : Social Security Administration, J.P. Morgan Chase Bank N/A XXXX Ohio

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: National Credit Adjusters, LLC
State: GA
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:
National Claim Adjusters is in violation of the Fair Debt Collection Practices Act. XX/XX/XXXX an FDCPA demand letter was sent to NCA and received XX/XX/XXXX. Legally the collector has 30 days from receipt to respond with proof requested, including that I owe the debt and that they have legal right to collect the debt, their license to collect debts in my state, and original contract I signed with the original creditor. NCA ignored the letter and failed to respond within 30 days. As a result, legally NCA must cease collection efforts, removed negative items on my credit report, or send a letter stating negative items were placed on my credit report in error. However NCA has reported to the credit bureaus their information is accurate. Then XX/XX/XXXX I received a letter from NCA, dated XX/XX/XXXX, including a XX/XX/XXXX credit card statement, indicating this was the information requested. However I didn't request a " verification of debt '', which is not a validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/2021 I went to XXXX XXXX of XXXX for to test drive a vehicle that I had seen advertised on their website and had made a specific appointment to see. 

*The window sticker was not available for me to view even when I asked to see it and asked for information ( EPA ) that would have been on the sticker. 
*The salesman XXXX XXXX did not tell me the price of the car when I asked him repeatedly. 
*When applying for an " estimate '' for the loan I was ignored when I requested several times to add a co-borrower so I could take advantage of the best interest rate Kia offered. 
*XXXX  XXXX and XXXX XXXX engaged in high pressure sales tactic that included deception, bullying and intimidation. 
* I was never shown my options for loan terms so I could make an informed decision even though I asked for them in writing. 
*My electronic signature was " accepted '' and used by XXXX XXXX the finance manager without my consent when he clicked on all of my signature spots on an XXXX. 
*I was told I was giving my information for an application not for a contract. 
*I asked to see a copy of the paperwork several times and was told I could " see it later '' *I was told I qualified for {$1000.00} cash incentive from the dealership, then it was not applied. 
*I said I did not want any warranties, service contracts or gap insurance and those were applied to the loan anyway. 
*I was told I could not leave the new car on the lot through bullying and intimidation. I was pressured into leaving the lot with the new vehicle including following me to the bathroom and waiting outside the door, and not allowing me to call my insurance company to add the car to my policy. 
* I found all of the relevant paperwork including the window sticker in the glove box of the car after arriving at my home. 
*I returned the car to the dealership on Sunday XX/XX/2021, as I believe I do not own it. 

No contract was formed as I was led by fraud by inducement.

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 2022-01-03
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
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/2021 I SENT A LETTER REGARDING INNACURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECIEVED A RESPONSE YET. I FEEL LIKE IM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. SECTION 611 ( a ) IT IS PLAINLY STATED THAT A FAILURE TO INVESTIGATE THESE ITEMS WITHIN 60 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THOSE ITEMS FROM MY CREDIT REPORT IT HAS BEEN OVER 60 DAYS SO THEY SHOULD BE DELETED PROMPTLY. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQIFAX DATA BREACH AND MAY HAVE GOT INTO THE HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I graduated in XXXX with a BA in XXXX XXXX. After college I struggled for a few years to pay my student loans on time because I did not make enough money to cover the costs of my obligations and expenses. I turned my situation around by changing careers and have made regular monthly payments for over 10 years but my balance has barely moved and my estimated pay off date continues to change. 

I have XXXX loans totaling : The original balance on my first loan was {$26000.00} as of XX/XX/XXXX. Today the unpaid balance is {$24000.00} with an interest rate of XXXX. The original balance on my second loan was XXXX as of XX/XX/XXXX. Today the unpaid balance is XXXX with an interest rate of XXXX. Both of the above loans have estimated pay off schedules with a date of XXXX. What I do not understand is how each loan is reporting a 53 % pay off when the balance has not moved and the dates are estimated. I have tried several times in the past 5 years to call and ask questions about my loans and even requested copies of the note so I could better understand but no one seems to be able to assist me or offer alternative solutions for my pay off plan. 

In XXXX I sold my home and used the proceeds to pay off a larger private loan but I do not see as an option to pay off the remaining balance but I also do not see the balance moving so I am concerned my payments are not being applied accurately and no alternative options have been provided. I paid off a car with a higher interest rate in less time then I have paid my student loan. I need someone to help advocate for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: Bread Financial Holdings, Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
several months ago i made a payment to pay off the balance on my XXXX XXXX credit card and have it closed. 
account number XXXX. 
the card is not used, and has not been used since. 
they never closed the card and the fee are up around XXXX now on a credit limit of XXXX. 
the company will not close the card, or reverse the charges and i have refused to give them any more money on an account that should have been closed and isn't used. 
i have gotten nowhere and my credit is being affected by this now. 
i don't know where else to turn. please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02
Company: Experian Information Solutions 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 status incorrect

Complaint:
This is a formal dispute and request to remove late payments from my credit report.The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear.I have outlined it below : Section 623 ( A ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information.My research has found this notice is typically found on monthly statements, however : 15 U.S.Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative Information ( E ) Use of notice without submitting negative information. No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 

Additionally, FTC Advisory opinion to XXXX ( XXXX ) states : Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information. A person who regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

As you can see the law and FTC opinion state that you, the furnisher, are Not legally bound to report any negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of the late payments.

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 2021-02-06
Company: Bread Financial 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: Account status incorrect

Complaint:
I have an excellent payment history with my payment accounts, credit cards etc. It started last year that Comenity bank said they received information from XXXX  that I have sever delinquencies. I reached out to XXXX  and requested my free report which they said I couldn't view it on line because of security issues that it can be mailed. i went through the entire process and still a 6 months later no report sand it keeps telling me I already viewed it on lime. Then they reported Erroneous information and XXXX XXXX  closed my account and wouldn't let me use my benefits that I paid for after I was affected by Corono virus. Now if all my accounts are paid on time and it shows that why did they drop my score and report mis information by 100 points. I have called them several times and no assistance. They also said I was breached and they are still allowed to report. I am ready to get an attorney and sue them. And they still haven't sent my report they are trying to make me pay for one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a purchase at Kohl 's Store the Order Date : Monday, XX/XX/XXXX at XXXX XXXX ( CST ), this purchase never came to the house even though the tracking number indicated that it had been delivered in the home. I called the USPS that was where they received the package through UPS, and they did an investigation and said the package was delivered at the wrong address or was lost. Then I made the claim to the Kohl 's store and they started an investigation and determined that the package was lost and that they were going to replenish the money to the credit card of the Kohl 's store, but from the date they keep charging me and sending invoices with delay fee that are increasing and that are damaging my credit. The strangest thing is that in more than 7 claims that I have made, in the last claim I made they told me the order was received back to one of their stores several months ago and today XXXX, XXXX XXXX, even they still charge me the bill and damaging my credit and not result.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: WELLS FARGO & COMPANY
State: NC
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:
Back in XXXX of XXXX I contacted Wells Fargo to see if I could lower my APR for my credit card. After being on the phone for over an hour I spoke with an Executive Leader to  negotiate a lower APR. At the end of the call, I was denied. I will ultimately have to close this credit card and open another one with a different bank if I can not renegotiate a better rate. In any case, my reason for writing this is due to the advice that I was given by an Executive Leader on the call. After I shared my excellent credit score rating ( monitored via FICO score by Wells Fargo ) and my history of paying on time since I opened up my credit card with Wells Fargo back in XXXX, I was advised to allow my credit card account to go delinquent due to failure of payment, let the Wells Fargo sell my account to a collections company and then negotiate paying 75 % -50 % of what is due. I was horrified and deeply offended that this was advice that a customer service representative was giving me. Especially since they have access to my credit score and my payment history with them and after clearly stating that paying on time and maintaining my high credit score were important to me. It was upsetting to hear this because most people in low-income households lack financial literacy. If this advice were given to them, they would have actually followed through with this terrible advice and had their credit score and history deeply affected by this. I called the next day after this happened to report this and was told that I would receive a call back to further discuss this matter. I also reached out to them in XXXX to discuss the same. I have not been given documentation of the original call or my complaints.

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 2023-03-17
Company: Credit Systems International, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my XXXX credit report on XXXX and saw a collection account for Credit Systems INTL IN, never received notification about an attempt to collect a debt or anything. Furthermore I don't recall having an XXXX XXXX XXXX, my information was apart of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Collection Bureau of Fort Walton Beach, Inc
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and a collection company is listed as belonging to me. I have not received a dunning letter by certified by from this company. They are in violation according to the ftc because I have never signed a contract with this company and they are trying to falsely collect on a debt.. I have attached a debt validation letter and this company needs to respond to 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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/ 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 2023-05-18
Company: TransferWise Ltd
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
1. Three ( 3 ) transfers made from my XXXXXXXX XXXX to the Cdn  recipient account to date that are not received : i ) {$2200.00} US ( {$3000.00} CDN ) sent XX/XX/XXXX. 
ii ) {$300.00} US ( {$400.00} CDN ) sent XX/XX/XXXX I have submitted the recipient 's bank statement showing non-receipt. When contacting their bank, recipient is told no transfer appears as pending. I have previously send 10s of thousands ( if not hundreds by now ) in aggregate over the years using Wise, formerly TransferWise. The transfers have always arrived by the second business day and usually within 4 - 8 hours of being sent.

I have contacted them multiple times. Initially, I received what appear to be boilerplate auto replies. Now I am receiving nothing. I have not yet located the customer service phone number. It is not readily available on the app or site. It appears this is a known issue so I am not waiting longer to raise the red flag. My family needs this money and we can't wait weeks or months for a resolution. 

I have attached the 2 'receipts ' Wise provides with a link on the app. The receipts imply that the reference number on each document a XXXX XXXX confirmation number. The recipient presented these to the XXXX  division of their bank ( XXXX ). That team was unable to locate any inbound XXXX  transfers in general or with those references, specifically. The next step Wise recommends online is to upload a bank statement demonstrating non-receipt since the date it was sent. This was done. There was no reply to this submission ( 2 days ago ) although they declare a response will come in 1 business day.

It was at this point I did some investigating and found that Wise has been doing this to others.

Company response to consumer: Closed with explanation