BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX - XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXX XXXX Account # XXXX, Account name XXXX XXXX XXXX XXXX XXXX  Account # XXXX Account name XXXX XXXX XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-01-12
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX, I used a 0 % Balance Transfer check offered from my Chase Amazon account ( XXXX XXXX XXXX XXXX ) in the amount of {$6000.00}. On my statement ending XX/XX/XXXX, the 0 % Transfer Amount was included in my " Interest Saving Balance. '' The interest saving balance is calculated for the amount needed to pay off expiring merchandise with a % 0 interest for six months Equal Pay Offer. I believe the {$6000.00} Balance Transfer should not have been included in the Equal Pay Offer balance as it was interest free until XX/XX/XXXX. 

On XX/XX/XXXX, I made a payment of XXXX which satisfied the minimum payment amount due. I also made a {$600.00} payment on XX/XX/XXXX. I had chosen an automatic Minimum Payment draft, and these payments, having satisfied the minimum payment, should have completed all payments for the month, as has been the policy in all other months. 

Instead, Chase used the Automatic Minimum Payment option to place a withdrawal demand from my bank in the amount of {$5900.00}. As I did not have that amount in my checking account, I was charged {$27.00} return check by Chase and {$27.00} dollar return check fee by my bank. 

In addition, payments made after the processing of the Balance Transfer check have been used to reduce the Transfer check balance. The {$6000.00} balance for the Transfer Check due in XX/XX/XXXX has a calculated balance of {$4900.00} as of the XX/XX/XXXX statement. Because of the payments to the Transfer check, we no long have credit available for normal and customary charges as payments have not been used to pay down our interest bearing charges. 

On XX/XX/XXXX, I received another demand letter from Chase in the amount of {$5900.00} to satisfy the unauthorized auto-pay from my banking institution. 

In summary : Chase included an interest free Transfer Check balance, that is not due until XX/XX/XXXX, as part of an Interest Saving Balance payoff amount due in XX/XX/XXXX. How can an interest free transaction be due before the payoff date? 

To satisfy the calculated amount in error, Chase made an unauthorized draft in the amount of {$5900.00} on XX/XX/XXXX. This unauthorized draft resulted in a returned check fee of {$27.00} from Chase and {$27.00} charge from my bank. 

On XX/XX/XXXX, I received another Demand Notice from Chase to pay {$5900.00} to satisfy an amount not due until XX/XX/XXXX. 

Chase has allocated payments received to reduce the lowest interest charges. 

Chase bank is unable to accept secure messages on issues other than the menu of options available. Due to long wait times, phone calls are disconnected if they are over the time allotted for phone calls. Scheduling a call is not available. At this point, I believe the CFPB is my only recourse in resolving this problem. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-27
Company: PNC Bank N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2021, PNC Bank took over operations of BBVA Compass Bank On XX/XX/2021, PNC Bank told me that all operations relating to my BBVA Compass Bank Account, will become operational as before. In particular I was interested in XXXX XXXX, Look at my deposits, Look and monitor at automatic withdrawals by Mortgage company, Credit Card payments etc I went twice to the PNC Bank Branch and met once the Vice President I also submitted the Account linkage form on XX/XX/2021 However, to date, I have on online access to account, so I can not perform XXXX XXXX, Look at my deposits, Look and monitor at automatic withdrawals by Mortgage company, Credit Card payments etc I am very worried, since I do not know what my balance is, and how much and many bills can I pay Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
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:
Experian, XXXX and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says Experian, XXXX and XXXX is a furnisher of information to a consumer reporting agency. 
Experian, XXXX and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Experian, XXXX and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: MD
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:
I have noticed many incorrect and unauthorized items appeared in my 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 2021-10-27
Company: EQUIFAX, INC.
State: GA
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 XXXX i sent a letter regarding inaccurate and unknown things on my credit report to this day over 120 days I have not received a response yet. I feel like im being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 120 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 equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On Monday, XX/XX/2021, I contacted Bank of America seeking assistance in getting a duplicate mortgage payment that my credit union ( XXXX  ) had mistakenly sent. An automated Bill Pay transaction was sent on XX/XX/XXXX ( early because of XXXX XXXX XXXX ) and again on XX/XX/XXXX -- for a XXXX mortgage payment. When I notified XXXX on Friday, XX/XX/XXXX, they attempted to " stop '' the automated transmission, they advised me to contact BoA for a refund. BoA mortgage customer service and electronic services told me to have the credit union fax a statement acknowledging that the {$2200.00} had cleared my account. I provided the BoA fax number and XXXX confirmed the fax was sent and told me to allow BoA 3-5 business days. When I contacted BoA on XX/XX/XXXX they said the fax did not look legitimate, it was not on letterhead, did not show a transaction balance and they rejected it. But they did not contact XXXX nor me to advise us of the issue. When I asked BoA if it could be counted for the XXXX mortgage payment, they told they had already done that and my next payment would be XXXX. Without checking with me on this option in advance, I was expecting BoA to credit it to the principle. This inconvenience forced me to transfer funds from my credit union savings to checking to ensure all expected deductions would clear properly. I communicated with BoA AVP Resolution XXXX XXXX Escalations for Mortgage Vehicle Service on XX/XX/XXXX and did not get the response I was expecting.There is a communication problem here on how electronic payments are handled. My credit union told me that BoA has a policy to not talk with them about client electronic issues when they have attempted to call them in the past. I don't think BoA acted in good faith in trying to assist me in getting a refund in a timely manner ( between XX/XX/XXXX and XX/XX/XXXX ). Where was the ball dropped? In Customer Services? Electronic Services? What checks and balances are in place to prevent this from happening to another BoA customer. With XXXX and other hackers attacking business and financial accounts, I would think there would be a better protocol for both banks and credit unions to ensure quick recall or correct of electronic transactions is in place. 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 2023-09-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
This account ( XXXX XXXX XXXX XXXX ) should not be furnished on my consumer report as it is in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: BARCLAYS BANK DELAWARE
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: Account information incorrect

Complaint:
My complaint is against Barclays Bank account # # XXXX, date openXX/XX/2018, status open. I open an account with the mentioned company on XX/XX/2018 for some XXXX items and the card has a credit limit of {$2500.00}. On XX/XX/XXXX I had a balance of {$1700.00} on XX/XX/XXXX I had a balance of {$1700.00}, on XX/XX/XXXX I made a payment of {$1000.00} leaving a balance of {$790.00}, on XX/XX/XXXX a had a balance of {$820.00}, on XX/XX/XXXX I made a payment of {$820.00} leaving account in {$0.00} balance, not even imagining that Barclays Bank was going to report to credit bureaus a late payment for the amount of {$27.00} on XX/XX/XXXX of 2018. There was also no notice that I'd be reported to credit bureau or anything, just what seemed like 3 silent months of late fees racked on while I sat around thinking balance was {$0.00} the whole time. Just the fact that I was not notice of late payment insertion to credit bureaus is a violation to the California Reporting Act. Any reasonable business would not report a late payment of {$27.00} ( which I had no idea they even existed ) knowing that I have a {$2500.00} limit credit card in {$0.00} balance. Do you really think that I wouldnt have paid those {$27.00} knowing that I had to? This is business/tort and unfair business practice and I want my financial freedom back and Im not planning to be tied up because of a banks mistake. I do not have any other complaint against Barclays Bank and would like to continue making business with them, all I want is to remove that late payment which should not be there in the first place. Im attaching a copy of my account in my XX/XX/XXXX report so Barclays bank can see their mistake and fix it as soon as possible. I have a {$300000.00} home loan pending for this mistake so please lets avoid legal actions here. I would also like to be provided with a deletion letter from Barclayss bank through CFPB portal. Im also attaching an unfiled SC-100 that I will file in the event that negative mark remains in my reports. 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 2023-07-18
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2021-06-18
Company: SIMM Associates, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a request for payment of a debt from SIMM Associates that they indicated my deceased son XXXX XXXX owed them money. I have no knowledge of the debt so I repeatedly requested that they provide documentation to prove XXXX had an account with XXXX XXXX Bank, proof there was a balance, proof that XXXX XXXX owned the debt, and proof SIMM and Associates had the authority to negotiate or collect for XXXX XXXX XXXX or XXXX XXXX. I do not know who any of these people are and simply want them to identify their relationship and verify the validity of the debt. 

After repeated attempts I finally received a letter stating they had enclosed documents from their cliend Resurgent ... ... the letter was EMPTY, no documentation ... ... 

It took 3 days and hours on the phone to simply get through to the number provided then when I finally did the rep for SIMM asked me over 10 times to keep spelling my deceased sons name and finally said they have no record. This is an incredibly hard time emotionally for my family, we do not need to be strung along like this. I finally got an email to send the letter I received to which I immediately did ... .. and of course have had no response in two days ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control

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 2023-02-05
Company: FORD MOTOR CREDIT CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I have a Ford Credit ( XXXX XXXX ) lease that is ending XX/XX/XXXX. The vehicle in question is a XXXX XXXX XXXX XXXX with very low mileage. 

Due to the equity I have in the vehicle, I was attempting to sell the vehicle to XXXX XXXX XXXX ( GA ) on XX/XX/XXXX as they were interested in paying above the buyout/purchase price of the lease. Everything was going fine until the dealership spoke with Ford Credit and informed the dealership they could not purchase the vehicle because I was within an undocumented period known as the " 120 Day Rule. '' I spend almost an hour on the phone with Ford Credit this afternoon ( XX/XX/XXXX ) and not a single person was able to help in the matter. I spoke with XXXX representatives from Ford. It turns out the " Lease End '' department is not even available on weekends, making the situation and cost even more excessive for customers. 

Apparently, Ford Credit will not allow allow a lessee to sell the vehicle to the dealership within 120 days of the lease end date. This policy is nowhere documented on the lease terms. Most Ford dealerships are not even aware of this policy from Ford Credit. 

The only option I have at this point is to buyout the lease myself, and then wait 30 days to receive my title ( assuming all goes smoothly ) and then hope I'm still able to sell the vehicle. To make matters worse, the dealerships are charging excessive Documentation Fees to lessees who are buying out their leases. In the case today of Autonation, they wish to charge me a {$690.00} documentation fee on top of the lease buyout price. And because I would be forced to first buyout the lease before I can sell the vehicle to the dealership, I would need to pay tax to the state of Georgia, register the vehicle, pay tag fees, all before I turn around and sell the vehicle. 

If Ford Credit was being transparent in their terms, I would have attempted to sell the vehicle at 121 days out from the lease, but now that I am within the undocumented 120 period, I am stuck. And to make matters worse for me, I have already purchased another vehicle, so I am now stuck with 2 vehicles. I will have to take approximately {$18000.00} out of pocket to buyout the lease, I will need to pay auto insurance on both vehicles, I will need to pay titles/tag fees, and hopefully I can sell the vehicle when this is all over.

Company response to consumer: Closed with explanation