BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-12
Company: PENTAGON FEDERAL CREDIT UNION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied online for a checking account with penfed. Back in XX/XX/XXXX. I then received that they needed photo I.D . 
Social security card and utility bill to verify my identity. At the time of my application I was living in a cheap monthly motel room that I was receiving mail to. I sent in photo of my I.D . and social security card. I advised penfed that I was living in a monthly motel and I don't have any utilities. Everything is provided. Because I am living in a motel. 
So I also emailed them copies of the receipts for the motel Copy of the receipt from my XXXX debit card that one time I used to pay for the month showing the motel name address and my name Sent them my social security XXXX benefits letter Sent them copy of my XXXX XXXX statement showing the motel address I just found out that my account with them is still frozen and they still are hasstling me for documents I just again sent them Photo I.D Social security card And since I am living in a apartment now Sent them copy of my utility bill And my account is still frozen They are still demanding more documents From day one I had to pay a contribution because I am not a government employee or military member. I also used my XXXX XXXX debit card to fund the contribution I also used my XXXX debit card to fund the XXXX $ that I needed to open the account I have been on social security XXXX since XX/XX/XXXX I'm a victim of covert harassment and organized stalking since day one going on social security XXXX. Our corrupt government and the corrupt FBI agents have also made it look like I'm a victim of identity theft. They keep adding bogus information and bogus accounts. I have been documenting this for three years now I have XXXX and XXXX and was illegally XXXX in XXXX with XXXX XXXX for XXXX You can XXXX it So they have done everything that they can to ruin my life in every way possible and I believe this is also part of their doing All my accounts are hacked All of my phone are tampered I have my Florida I.D . 
still even though I am living in XXXX Ohio Because that address is my mom 's address who I lived with for long time And still go there and receive mail there when I need to I sent them so much documents when I first applied for the penfed account and when I was living in the motel

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 2020-05-28
Company: Exeter Finance Corp.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a vehicle that I purchased that was totaled. I had to get insurances that were obtaining information to send payments to the finance company. I reached out twice a month to the finance company to make sure I could still make my payments but they advised me to not make the payments due to the gap payments pending. I have contacted them during the Covid epidemic and asked them to use that for 90 days as a grace period while the gap payments were still pending I attempted to make a payment and was denied since they were not able to make payment plans and they wanted me to pay the full amount but they did state that they had received the gap payments but the amounts were not disclosed in the system yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I sent you a letter disputing information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following XXXX XXXX XXXX account XXXX, you received my dispute letter. 
Accordingly, as per the FCRA you were required to conduct a reasonable investigation and modify disputed information as I requested before the end of the 30-day period of the date on which you received my dispute letter. Therefore, your response was due on or by XX/XX/2022 : Instead of sending me a response letter with the result of your investigation of the disputed information, you mailed me a letter dated claiming item was verified but didnt send any proof. 
Clearly, you have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute. However, your excuse or assumption is a not valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly dispute the completeness and or accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 
As a result of your conduct as described above, you shall promptly delete the disputed information. Additionally, as per the FRA, you are liable to me for damages for your conduct Thus, in addition to your Select deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of ( XXXX XXXX XXXX ]. Be advised, this IS NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days delete the disputed information requested, ( 2 ) send an updated copy of my consumer file, and ( 3 ) send me the {$1.00} check to my mailing address listed above. 

Sincerely, 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 2022-07-05
Company: SYNCHRONY FINANCIAL
State: NC
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 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 2 : It also states a consumer reporting agency can not furnish a account with my written instructions

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 2023-05-11
Company: EQUIFAX, INC.
State: TN
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:
Several Metro 2 non compliance issues found. 
XXXX account : XXXX Opened : XX/XX/2012 Payment history inaccuracies. 

XXXX XXXX Opened : XX/XX/2012 Payment history inaccuracies When I find inaccurate information, I'm aloud to have it corrected OR deleted. 
I want these accounts deleted/removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My American Express credit card balance on my XX/XX/XXXX statement was {$1200.00}. I used my cash back rewards of {$52.00}, made additional charges of {$29.00} and a payment of {$1.00}. This left me with a balance of {$1200.00}. However, the website showed that I still had a Statement balance of XXXX. It did not apply the {$52.00} to the previous month 's balance, only the current month 's, so it showed that I now had to pay MORE than my current total balance in order to pay off the previous statement balance and avoid interest, even though this would result in a credit balance. 

The explanation I received from their online chat was : " I see that you've redeemed {$52.00} cash back on XX/XX/XXXX and it will post in your next statement. 
Once you use your reward dollars it gets adjusted towards the new charges and not the charges those are billed on the account. 
Hence it will lower next balance I see that your XXXX statement is closed with balance of {$1200.00} and you've made the payment of {$1.00} So, the Remaining statement balance is {$1200.00} which is due on XX/XX/2021 '' So, I submitted a payment for {$1200.00} even though this exceeded my balance. I received an email confirmation of this payment. 

Then, a few hours later I received an email that they had automatically reduced my payment amount to {$1200.00}, my total balance! This leaves me with a {$22.00} statement balance which if I don't pay, will result in me being charged interest, but their system is preventing me from paying. They are forcing me to pay interest by not applying the rewards statement credit to the statement balance, only the current month 's balance, even though it is reducing the total balance. 

I raised this issue with them and they said they would waive the interest charge, but I am still reporting this issue because it means their system is designed in a way to force people into a loop that causes them to pay interest unless they contact customer support like I am doing. They need to fix this system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 an XXXX transaction was deducted from my XXXX  XXXX XXXX account in the amount of {$3600.00}. On XX/XX/2023 I saw this transaction and contacted XXXX to let them know that fraud had taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
According to the statement that was issued for XX/XX/2023, {$14000.00} was owed as the payoff amount and my account was past due. It was reported to all XXXX credit bureaus as delinquent as well. On XX/XX/2023, I made a payment of {$270.00} towards my loan. On XX/XX/2023, Capital One Auto Finance applied two payments to my auto loan account, totaling {$14000.00}, because my vehicle was deemed a total loss due to an accident that I was in on XX/XX/2023. 

As of XX/XX/2023, {$220.00} was owed on the loan. I paid the amount owed on XX/XX/2023, which paid the loan off. No update to my credit report has been made since XX/XX/2023 and as a result my credit score has dropped more than what it was, while this vehicle is showing as 30-90 days past due ( due to being reported inaccurately across all three reports ). Currently, I do not have a vehicle and this vehicle reflecting as it is, has made it impossible for me to get a new vehicle. 

I have attempted to get assistance with this from Capital One and I have been repeatedly told that they can offer me a letter that shows my loan is paid in full. There has been no update to my credit since my first call to Capital One regarding this issue, no statement generated for the month of XX/XX/2023, which should have been generated due to an amount being owed by XX/XX/2023. I have done all that I can think to do and not having a vehicle as a single parent is very very inconvenient when this could have been prevented entirely if Capital One was reporting correctly and timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: FISERV INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/22 I received a request for payment from TRS Recovery Services , Inc for {$120.00} for a purchase made at XXXX XXXX XXXX XXXX paid for by check # XXXX ( Dummy check # ) Drawn from an account at XXXX XXXX  XXXX XXXX XXXX XXXX, MO contacted XXXX XXXX  XXXX XXXX XXXX XXXX account found with my name. XXXX XXXX verified the check at point of purchase ( unbelievable ). I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX investigate the matter at, XXXX ( XXXX ) XXXX, never heard back from them. I contacted TRS Recovery Services XXXX XXXX and received a dispute form which I completed and mailed it back to them. On XX/XX/22 I received a TRS Forgery/Identity Theft Declaration, completed it and mailed it back to them along with all the information I had found to substantiate my claim of fraud/identity theft. The information regarding this matter was given to me by XXXX XXXX, XXXX ( XXXX ) XXXX and XXXX XXXX  XXXX XXXX ( XXXX ) XXXX and through my own investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: American Acceptance Co., LLC
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Hi my name is XXXX XXXX i Finance finance vehicle last year and I was involved in accident and my XXXX was totaled out three insurance and paid now when I apply for car loan is show up that I never even had a car loan but they also said its weird its like there giving me rates as first time car buyer but also like I still have a car Im paying on so I get a crazy high down payment and the person at XXXX couldnt understand why and told me to reach out to yous I know credit is everything In this world and I would like to fix this issue ty and they never reported any of my payments at all

Company response to consumer: Untimely response
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: FL
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. 

XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
ALL ACCOUNTS ARE HIGHLIGHTED IN CREDIT REPORT SUPPLIED IN ATTACHMENTS 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 2022-06-18
Company: Continental Finance Company, LLC
State: CA
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:
I am disputing this account as my address being wrong, inaccurate information as to the opening date, and last activity date, also the interest is excessively high.

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 2021-05-26
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm 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 30days 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 been battling these unverified and inaccurate accounts for awhile now and this haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that these accounts have different values and information. 

Also, there are some unauthorized inquiries that I don't recognized.

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 2018-10-18
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection agency is trying to collect money on a debt that was already paid by XXXX Insurance company. The debt was paid on XX/XX/2011. The collection agency needs to provide information of billing from whom they purchased this debt. XXXX insurance provided the medical claims number ID XXXX ( The below information was copied and pasted from the XXXX website ) Processed By Date Member Provider Bill Amount Plan Paid Your Responsibility XXXX XX/XX/11 XXXX ( Husband ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again please research information with your client but in the mean time by law all Inaccurate information has to be removed from all three credit agencies. Please remove all information of your company and debt information from my credit report. You have the information to follow up with XXXX insurance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: FL
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. 

XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
ALL ACCOUNTS ARE HIGHLIGHTED IN CREDIT REPORT SUPPLIED IN ATTACHMENTS 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
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: Credit inquiries on your report that you don't recognize

Complaint:
PLEASE REMOVE THIS ACCOUNT AND THIS INQUIRY THE MY CREDIT REPORT ACCOUNT : XXXX XXXX - XXXX INQUIRY : XXXX

Company response to consumer: Closed with explanation