BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-02
Company: Bridgecrest Acceptance Corporation
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Vehicle was repossessed by company. 
Company sent letter of notice to sell vehicle after XX/XX/23 if full payment not received before date. 
I accepted the offer and tendered payment in ACCORD AND SATISFACTION in the amount of {$11000.00} on XX/XX/23 using XXXX money order XXXX which was subsequently cashed by the company. 
Clearly prior to the deadline date of the notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 ... ... ... ... section- ( 602a ) section- ( 604a ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion intermediate Holdings inc .

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 2023-05-15
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email XXXX from Chase Bank saying We're reviewing your Chase Total Checking application You're all set for now. We'll send a response to the email address you provided on your application within 1 to 2 business days. 

Please don't resubmit your application, which could delay our response. 

Thanks for your interest in a new Chase Total Checking account. 

I called Chase who said several accounts were open in my name but nothing was active. I have never banked with Chase. 

Then this morning I received an email saying Your new Chase Total Checking account is open and ready to set up Here 's a quick look at how to get started. 
Your card is on the way Chase Mobile app on phone screen and a Chase debit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

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 2023-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
XX/XX/2023 The website has been restricting my access because I have not received my replacement card for verification of the CVV number before logging in. After logging in from a computer because of the issue, the computer login at the website has given me an error message saying that I can not access the payment function of my account to add a new bank account. I was told that there was some type of " systematic change '' which was made to the account saying I could not make any changes to my own credit card account for XXXX hours and my payment is due today. The person at the customer service line asked me to give my new bank account information over the phone and when I told them I can't do that, I have to login and update it over the computer only and that the only time I can do that is now, not later in the day or XXXX hours from now they argued. They wanted me to give out my bank account information or be charged a late fee and have my account posted to my credit report as a late payment. The customer service representative and their manager both did the same thing. They asked me to login at a certain time of the day to make my payment rather than using the service now. They also did not give any options at all or any options for the payment to be mailed, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions 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 that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8600.00} XXXX Balance Owed : {$5900.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$64.00} XXXX XX/XX/XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2023-11-21
Company: WELLS FARGO & COMPANY
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
So many fees, funds disappearing, I have constantly made calls but representatives can't answer or talks in circles. I'm so frustrated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-11
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This complaint is in conjunction with my first complaint. Please refer to complaint # XXXX so I wont have to retype the information. Synchrony sent correspondence earlier today stating that they did not see a pending transaction in the amount of {$2200.00}. The pending charge is showing on my online account statement dated XX/XX/2020. A copy of that document is attached to this email. The Synchrony letter included a phone number to call if I had questions. I called the number and it was for a Synchrony Ashley account, which I do not have. I am exhausted trying to communicate with this company to get the issue resolved. I spoke with XXXX XXXX XXXX who processed the transaction via my Synchrony account, and they stated that they do not have access to correct 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 2023-06-28
Company: Experian Information Solutions Inc.
State: NJ
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:
Recently I've mailed in a dispute letter asking Experian to investigate multiple accounts that's reporting in violation. The accounts listed in my dispute letter do not belong to me nor do I have knowledge of who they are. They are reporting accounts to Experian stating that I owe them a debt but how can I owe them anything if there was never an agreement? These accounts are in violation of 15 U.S. Code 6801 - Protection of nonpublic personal information, in which they did not respect my right of privacy. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( 5 ) Treatment of inaccurate or unverifiable information, these accounts must be removed in which we never made any agreement nor is there permission from me to report these accounts which make them unverifiable.

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 2022-02-17
Company: LoanCare, LLC
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:
Since XXXX of XXXX, the CARES Act has given forbearance to millions of homeowners. I filled out and faxed in my mortgage forbearance form in XX/XX/XXXX, listed on the myloancare.com website, after getting laid off due to the COVID-19 pandemic. At the beginning of XX/XX/XXXX, I received a notification that LoanCare marked my account as 30 days late. I called and spoke with a representative that informed me that LoanCare had not yet processed my paperwork and assured me it would be resolved. I then received paperwork via mail telling me that my 90-day forbearance period had started in XXXX  and would be valid through XXXX. However, my XXXX payment was still reported as 30 days late. 

I called LoanCares customer service multiple times until I was finally connected with a supervisor who instructed me to send in my fax cover sheet, proving that I submitted the mortgage forbearance form in XXXX and that LoanCare would correct the report to show the correct forbearance start date. This process turned into a monthly task. My XXXX payment continued to be reported as 30 days late. I would call and speak with supervisors, each of whom instructed me to send in the fax cover sheet and follow their instructions. Yet every month, the account was still reported as 30 days late. By XXXX of XXXX, I was fed up and frustrated with LoanCares terrible customer service. Finally, a manager instructed me to make the XXXX payment which initially triggered the 30-day late reporting. He assured me that making the payment would stop the late reporting going forward. Following his advice, I ended up taking a loan from a family member to make the XX/XX/XXXX payment in XX/XX/XXXX. 

My second forbearance period was 180 days, from XXXX through XX/XX/XXXX. By the time I received my second forbearance, I had already made the original XX/XX/XXXX payment. Several LoanCare customer support supervisors I spoke with confirmed that since I had made the XX/XX/XXXX payment before the start of the second forbearance period in XXXX, my account would be considered current. Yet again, I continued to receive notifications that my account was reported as 30 days late. 

I had another forbearance through the end of XX/XX/XXXX, when I finally went back to work. I went back and made all the payments missed in XXXX and am now considered to be current on my loan payments. However, this hasnt solved the issue. This inaccurate reporting has destroyed my credit score and caused undue emotional stress. Multiply credit lines have been decreased to LoanCares reporting error. I am unable to refinance my loan due to this error, which has cost me thousands of dollars.

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 2021-03-16
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After receiving written response from my official complaint # XXXX from PNC Bank, specifically Executive Client Relations, XXXX XXXX, it has now become apparent this bank is totally disingenious and has no intent on returning money due to me. Their response was full of mistruths and falacious information. It showed incompetance on a level I have never seen before, evidenced by XXXX XXXX XXXX telling me last week in a " recorded conversation '' that my next tax payment as per her teams findings ( whom she stated has put a lot of time into evaluating my case mine you ) is due XX/XX/XXXX. I went to the XXXX Dept of Finance myself today XX/XX/XXXX ' and found out in a " documented printout and explanation by Tax Representative '' that my real estate taxes are paid through this quarter and I am not due to XX/XX/XXXX. This is the reason why I am having problems with this bank because they are not using facts which started in XXXX XXXX. I believe this is an example of blantant discrimination. I am hiring an attorney and taking this to the next level.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In reference to previous complaint number XXXX. 

After taking months and multiple erroneous charges to finally fix the issue Fifth third has started to charge me interest again. The promotional offer was supposed to be interest free till XX/XX/XXXX but on XXXX XXXX I was again charged an interest of {$170.00} This just goes to show the level of incompetence at all levels of FifthThird bank and they are not to be trusted to act in an honest and efficient manner

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Please remove fraudulent accounts

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 2021-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XXXX XXXX XXXX was taken from my XXXX account via a Bank of America debit card. I have contacted Bank of America more than ten times, the bank has refused to investigate the claim of fraud, then closed the Bank of America debit card account. Bank of America does not communicate with me. I have not received any information relating to the missing money ( XXXX ) As of today there is no information relating to my claim. Today I contacted Bank of America requesting any documentation relating to the fraud claim. The associate I spoke with refused to send the documentation I have requested relating to the missing money from my EDD account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: CA
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX  Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX  XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX - Unauthorized Inquiry XXXX XXXX XXXX  - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for 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 non-monetary relief
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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