BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/2019 I created XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the name XXXX XXXX XXXX and received the XXXX letter. At the state level I accidentally created the name XXXX XXXX XXXX. When receiving a check from a customer it was made out to XXXX XXXX XXXX. I brought this to Chase bank and opened a business account along with the paperwork from the IRS. The setup my account and deposited the funds. Within a week I received a letter which stated the discrepancy between the account names and this must be corrected or the account will be closed and funds issued as a cashier check. Due to some delays and personal family issues I did not react fast enough and the account was closed. They issued the account balance as a cashiers check made out to XXXX XXXX XXXX. I tried to deposit this in another personal account but this was not possible due to the name being made out to my business. I asked XXXX If I update my business name can I deposit the check in the new account and they said no because my account name will not match the cashier check name. So I contacted XXXX and requested they re-open my account under the original name. This was declined because they put a hold on a new account with this name. Finally I was able to go to another branch and ask them to work on fixing this. They made several attempts to re-open the account and asked to have my cashiers check. They shredded it and now when trying to re-open an account I do not have the check. I signed an affidavit that the check was not in my hands anymore. They are trying to re-open the account under the original name and cut a check in my personal name then close the account. It is now mid XXXX and this has prevented me from depositing future business checks and correcting my business name with XXXX. I have asked if this can be escalated to a higher authority but they said no only at the branch level. After fighting them for over 5 months I am starting to suffer significant financial loss and seeking to get help from an attorney. Please help! Other bankers have said this is the most unprofessional thing they have seen in over 30 years!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I don't have a credit card with this company I don't know what they are doing or talking about

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 2024-01-11
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My vehicle was totaled on XX/XX/XXXX. My insurance company paid the amount that they were liable for as well as my GAP insurance. After these transactions were completed towards the end of XX/XX/XXXX I was left with a balance. The dealership 's finance manager where I purchased my vehicle told me that I was owed money from the service contract that I purchased. The finance manager stated that by law the check had to go to the lien holder because there was a balance due on the auto loan. The dealership 's accounting department sent the checks via overnight mail three times to the finance company and each time the payments were rejected. I then asked the finance manager to add my loan account number to the memo of the checks so that the lien holder would know which account to apply the money to. After making many calls to the finance company I was able to speak to someone at the finance company 's asset recovery center that was able to release the checks for payment. Unfortunately, on the finance company 's website, I am still showing a balance due. The accounting department subsequently sent the checks two more times. On XX/XX/XXXX I discovered that the lien holder had already cashed the checks and never sent me the remaining balance.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX credit card accounts were opened fraudulently in my name in XXXX and XXXX of XXXX, respectively. XXXX with XXXX XXXX and the other with XXXX XXXX XXXX XXXX. I immediately contacted both companies once I became aware of the fraud and they each closed the accounts and sent me confirmation letters. Both XXXX and Transunion both still show credit inquiries from both creditors still to this day and they tell me that the only way to get them removed is to start a complaint with the CFPB.

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 2023-05-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX FM XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$750.00}, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I sent a complete FHA HAMP loan modification on or around XX/XX/XXXX to XXXX XXXX XXXX and to their foreclosure attorney XXXX XXXX XXXX XXXX, XXXX. I received an letter from Nationstar Mortgage who now call themselves XXXX XXXX. Also, I never received any notice stating their name had changed either. Furthermore, on or around XX/XX/XXXX I receive a incomplete letter from XXXX XXXX stating I need a profit of loss statement and I submitted a incomplete five page FHA Hardship affidavit. I called in on XX/XX/XXXX and XX/XX/XXXX and spoke to relationship manager XXXX ID # XXXX and I asked if she could mail or email me the 5 page FHA hardship affidavit. She placed me on hold and came back and stated she could not locate this FHA Hardship document and she also stated she spoke to her supervisor and they advised me to create a online account to get the missing Hardship Affidavit. Therefore, I complied and open my account online and located the hardship affidavit. My complaint is I never received the five page hardship affidavit and until today from their online application. Lastly, XXXX stated my loan was scheduled for a foreclosure sale date for XX/XX/XXXX. I submitted my FHA HAMP loan modification more than 37 days and my loan modification has not been denied and XXXX XXXX has asked for additional documents that I am submitting today. Therefore, XXXX XXXX and XXXX XX/XX/XXXX and their foreclosure attorney XXXX XXXX XXXX XXXX, XX/XX/XXXXare all committing Dual tracking and breaking CFPB is the reason why I am filing this complaint today against all parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Complaint Against I.C. Systems for Unrecognized Collection Notice on My Credit Report I hope this message finds you well. I am writing with deep concern and distress about a recent collection notice placed on my credit report by I.C. Systems. Prior to this, I have maintained a clean credit history without any collection notices. This unexpected entry not only impedes my potential future purchases but also adds an undue layer of stress in these already trying economic times. 

On XX/XX/2023, I contacted I.C. Systems at the number ( XXXX ) provided on my credit report. At precisely XXXX XXXX, I spoke with a representative named XXXX to inquire about the aforementioned collection notice. She informed me that the collection was related to a XXXX account and further explained that their records show the account being handed to them on XX/XX/2023. XXXX also mentioned that a letter was dispatched to me on XX/XX/2023, to inform me about the situation. This seemed incongruous, as the collection was already on my credit report by XX/XX/2023. 

I probed deeper, inquiring if any other communication attempts had been made. XXXX confirmed no attempts besides the letter. When specifically asked about phone contact, she indicated that there had been no phone outreach according to her records. I explained to XXXX that I do not recognize this alleged debt and had not received any notifications about it. I then requested the removal of this collection from my credit report, at which point XXXX transferred me to her supervisor, XXXX ( # XXXX ). 

I reiterated my concerns to Supervisor XXXX and inquired about their communication methods regarding the collection. Although XXXX confirmed the dispatch date of the letter as XX/XX/2023, she contradicted XXXX 's information by stating that phone attempts were made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2023. XXXX further mentioned that they are prohibited by law from leaving voice messages, and she was unable to provide the numbers from which they had allegedly called. 

Upon questioning the legitimacy of the debt, XXXX revealed that XXXX. XXXX does not own the debt ; instead, it remains with XXXX. I found it perplexing that a company, which does not own the debt, could place a collection notice on my credit report. XXXX clarified that they were operating on behalf of XXXX. Despite my repeated requests to have the item removed due to its dubious nature, XXXX declined. 

Given the above circumstances and the inconsistency in I.C. Systems ' communication, I believe it is necessary to bring this matter to your esteemed attention. I genuinely hope that the CFPB can provide guidance and resolution in this matter. 

Thank you for your time and consideration

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 2023-02-22
Company: Experian Information Solutions Inc.
State: NJ
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 have contacted EXPERIAN numerous times. Experian has XXXX bankruptcy accounts listed on my credit report, but I don't have a bankruptcy. 


Credit cards and credit lines XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through XXXX XXXX XXXX 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through XXXX XXXX XXXXXXXXNever late. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through XXXX XXXX XXXX/Never late. 
XXXX  In good standing

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 2023-04-17
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:
Today, XX/XX/2023, I received an email alert from my bank about a new credit inquiry from Lender : XXXX. I immediately called one of the three credit reporting agencies to report this as fraudulent acivity, XXXX. XXXX took my number so I am notified of each time an inquiry is attempted. They also recommended I get in touch with Lender : XXXX as also FTC.GOV so I called XXXX ( XXXX XXXX XXXX XXXX only to find out that my information was obtained by one of the three credit reporting agencies. XXXX obtained my information and did a soft credit check to let me know I am prequalified. I've never been interested in purchasing from XXXX and my time has been wasted. I truly thought someone was committing fraud but it was the immoral practices of two institutions playing with consumer information that should be secured.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Experian Information Solutions Inc.
State: MI
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 spoke to Experian over the phone about a month ago. I am disputing a marathon charge account listed on my credit report. 
I just received a letter today stating it has been sold to a debt buyer named XXXX XXXX I originally asked for a copy of the contract and statements leading up to the balance from the original creditor, I do not recall opening this account. This has not been done. 
I would like this account removed from my credit report

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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2021-07-26
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I went to the car dealership to get a car for my son and the approved me but with a high Interest rate. It begin to bother me because I make sure I pay all debt on time. I went to look at my credit and Lord behold I see a loan on there that Is not mine. There Is a company called XXXX I guess thats where the loan came from. I contacted this XXXX place and Im getting no luck with them. I hope someone can help me with this. Im doing this on my own and really need some help with this.

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 2021-07-26
Company: EQUIFAX, INC.
State: AR
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 have contacted Equifax and let them know that I have been a victim of identity theft which they deleted two accounts but left two accounts untouched. Please delete the remaining things from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: HYUNDAI CAPITAL AMERICA
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
CANCELLATION OF DEBIT PAID OFF THROUGH IRS, BRENCH OF STATUTORY OBLIGATIONS IS OF SIGNIFICANT CONCERN. NON COMPLIANCE WITH AFOREMENTIONED LEGISLATION UNDERMINES CONSUMER RIGHTS COMPROMISES THE INTEGRITY OF COMMERCE, AND POTENTIALLY INCURS SERIOUS LEGAL CONSEQUENCES. 

As outlined in Title 15, Section 1640, violations can lead to statutory damages, actual damages, and even the recovery of court and attorney fees. 

SUBSEQUENT EXAMINATION OF CONSUMER PROTECTION LAWS REVEALED THAT THIS MANDATE IS IN CONTRAVENTION OF THE REGULATIONS SET FOURTH IN THE CONSUMER LEASING ACT ( Title 15, Sections 1667-1667e ) of the United States Code . According to these legal provisions, consumers are not obligated to tender a down payment to secure credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I had an auto loan with Wells Fargo and when I paid it off, they auto charged my account after the balance was paid in full. They also did not release the title to me in a timely fashion holding up the sale of my car.

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 2021-07-26
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format procedures ignoring to report. 

XXXX XXXX Account ID : ENDING XXXX The account is incomplete. The complete and itemized listing of the dates for these accounts was never provided. Date of original payment was never supplied .Grace Period is was not ever applied .Original Contract ( with late payments provision ) bearing my ink blue signature was never sent .Please see attached company response .As per their reply they do not have to be in compliance with FCRA and provide me with any requested documents.

I have difficulty getting them from the original creditor.

In addition for their reply that the company his in compliance with Metro-2 and E-Oscar please review attached screenshot of how do they report my account and how many non-compliances are listed there.
Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

It is very urgent that you please investigate and resolve as this is destructive to my character and is obstructing my potential to obtain financing.

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 2023-07-05
Company: Chime Financial Inc
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I made two XXXX XXXXXXXX credit card payments using my chime account on which I loaded one payment on XX/XX/XXXX to make a payment which chime financial services did not issue the payment until XX/XX/XXXX making the payment to my creditor semi late again I loaded a payment to XXXX XXXX in the amount of XXXX dollars on XX/XX/XXXX which again chime failed to issue the payment until XX/XX/2023 thus making my payment late and or missed. They continue to make errors through failure to issue payments on time. When confronted on the issue I continue to be hung up on the phone.

Company response to consumer: Closed with explanation