BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: SC
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:
Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/2023 Status Open. {$520.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 Balance {$5000.00} Balance updated XX/XX/2023 Recent payment - Monthly payment {$170.00} Original balance {$4700.00} Highest balance - Terms 36 Months My credit report is telling that this account was opened in XX/XX/2023 in the amount of {$4700.00} with an interest charge every month. They have called and harassed me on the phone leaving messages and I'm on the DNC list. When I spoke to someone XX/XX/XXXX at XXXX XXXX there about original service agreement or contract with my signature, they gave me the run around. So, in the pdf 's provide I sent a certified letter a couple of weeks ago. Back on XX/XX/XXXX, I gave them 10 business days to send me any documents with the details I've been requesting. This company is fraudulently using my information and is reporting to credit bureaus. I have never done business with them, and my bank records show NO money ever deposited into my bank account for a loan. I'm requesting that this negative information be removed from my credit report, and they stop calling and harassing me. If this is not resolved soon, I will be filing a civil lawsuit to XXXX XXXX! They must delete all negative information from all 3 credit bureaus ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I spoke with a representative on XX/XX/2020 and told them I was having problems paying my bill due to COVID-19. Chase calls my cell phone number 3 or 4 times a day, leave me messages, and sent me emails about the bill. I am having a hard time paying because I have XXXX  XXXX jobs since XXXX 2020. I have barely enough money to buy groceries since they cut EDD benefits. I have 2 credit cards with them Southwest Chase and XXXX XXXX credit card. They lowered the credit card balance on one card and on the other card they raised the payment amount to 3 times the amount. Chase has been known to be a prejudice and XXXX company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XXXX at XXXX CT, I updated my credit card numbers on the XXXX  XXXX XXXX for restaurant rewards. XXXX minutes later I received XXXX spam calls, and XXXX spam text messages from various car dealerships around the Chicago area saying I was interested in a vehicle they have for sale. 

XXXX  XXXX is sending fake leads to businesses on behalf of consumer card holders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: Experian Information Solutions 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:
I called your department after I purchased a credit report with Experian.XXXX XXXXXXXX After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off on my credit report. These are disappointing because I have been paying ExperianXXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off accounts, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX  . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
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. 

I told Transunion to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-01-11
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Regarding Truist Bank. Account XXXX XXXX  Received a letter from from their recovery department dated XX/XX/XXXX. I received the letter via XXXX XX/XX/XXXX. The letter says I owe them {$52.00} including a {$30.00} charge off fee. I have called them XXXX XXXX XXXX XXXX  times XX/XX/XXXX and XX/XX/XXXX. Talked to representatives who couldnt tell me what the debt was regarding. They transferred me to their recovery department XXXX XXXX  ). Left messages both days because they said in a recording they were very busy and couldnt answer the phone. I left my name, account number given in the letter, my phone number. On XX/XX/XXXX, the message said they would return my call within XXXX hours. I havent received a call, now 2 days later. I said in the message left today, XX/XX/XXXX, I would be contacting your department. FYI, I checked XXXX Credit Bureau and saw nothing with the Truist name on an account. 

There is a payment invoice to be detached and returned with payment to : Truist 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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payment on these accounts because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because this is obviously a billing error, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due. The disputed accounts are listed below. 

XXXX XXXX Account # : XXXX Balance Owed : {$240.00} Date Opened : XX/XX/2021 XXXX XXXX Account # : XXXX Balance Owed : {$23000.00} Date Opened : XX/XX/2021

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 2020-12-23
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I currently have a mortgage loan with the Huntington National Bank. Back in XX/XX/2020 due to salary reduction related to Covid-19 I entered into the temporary 3-months forbearance period, when I was permitted not to make payments on my loan for XXXX, XXXX, and XX/XX/2020, resuming regular mortgage payments in XX/XX/2020. 

Unfortunately, Huntington Bank has severely delayed processing of my paperwork, not reflecting any of the payments I made since XX/XX/2020 on my mortgage statement, and displaying completely incorrect balance due, interest, and payoff amounts even at the end of XX/XX/2020. This prevents me from finalizing my mortgage refinancing process with another lender, who needs accurate information from Huntington. 

I have been preparing to refinance for over a year, and in anticipation of a large cash-out amount last year I borrowed {$50000.00} from an elderly relative, who ( as I later found out ) depleted her entire retirement savings account to lend me the money. If I don't refinance, not only I won't be able to leverage the opportunity to get better financial terms for my loan, but my elderly relative will be left bankrupt as I will not be able to repay her retirement savings in lump sum as agreed. 

Huntington Bank 's reckless several months delay of updating my records is a direct violation of the contract between me and the Huntington Bank, which clearly describes the terms of forbearance and clearly states that once the period ends my information will be updated to reflect accurate state of things.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a VISA debit card/ ATM card for my bank in XXXX XXXX XXXX XXXX  XXXX 

( THB = Thai Baht Currency ) During the period of : XXXX. XX/XX/XXXX to XXXXXXXX XXXX XXXX XXXX Fraudulent Transactions ( Called " Spending '' ) were made on my card for XXXX XXXX each, totalling = XXXX XXXX plus XXXX Fraudulent transactions ( Called " Spending '' ) of around XXXX XXXX each = Totaling THB XXXX XXXX |Fraudulent Transaction ( Called " Spending '' ) of THB XXXX on XXXX XX/XX/XXXX Total Fraudulent Transactions = THB XXXX I cancelled the card XXXX XX/XX/XXXX when I discovered the fraud. 
I contacted the bank. The told me to file a police report, which I did. The bank said the would make an investigation. I gave them a complete list of all fraudulent transactions. 
After 1 month I called the bank again. They said in effect, they would do nothing, it was not their problem! 

I called XXXX  Customer Support. They said they were not responsible for handling fraudulent transactions!! XXXX said they will do nothing!! 

The XXXX  website clearly states : " Zero Liability Policy : Use your XXXX XXXX to shop anywhere -- whether it's on the Internet or in a store -- and you are protected from unauthorized use of your XXXX  card. The XXXX XXXX XXXX policy eliminates consumer liability for fraudulent transactions. '' On XXXX XX/XX/XXXX I called XXXX customer support several times. They gave me the runaround. Finally I was told " This is not the responsibility XXXX. We can do nothing to help you ''. 

This response is a clear violation of XXXX 's own " Zero Liability Policy ''!!! 
XXXX has in fact committed gross fraud against it's own customers by loudly advertising their " Zero Liability Policy '', when in fact they will do absolutely nothing to refund fraudulent transactions on the VISA card. 

I demand that VISA pay Total Fraudulent Transactions = THB 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 2023-06-29
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have pulled my latest report and saw these inquiries appearing that I did not authorize. I demand these inquiries to be deleted from my report. Attached to this complaint is the FTC Complaint I have filled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-18
Company: Avant Holding Company, Inc.
State: HI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I applied and was approved for {$2000.00} with no annual fee. I needed to change my mailing address so I emailed them my request and they told me they could not process my request without certain documents indicating proof. This is unusual considering my other cards do not require this. I emailed them proof and someone named XXXX replied and said " the photo didn't show all four ( 4 ) corners of the document - resend I sent it again with the four corners showing. It was rejected AGAIN. This time, they said it would be better to go to their website and upload ( what???? ). Why didnt they tell me this THE FIRST TIME?! 

So, I tried to do that but there was nothing on their website that allowed me to upload ( a very basic website that looks like it was created by a 3rd grader ). I emailed back to re-send my documents again and they rejected it AGAIN saying I had to call. WHY DIDNT THEY SAY THIS BEFORE??????? ALL OF THIS RUN AROUND JUST TO CHANGE MY MAILING ADDRESS. I then learned ( from my credit report ) that the {$0.00} annual fee was a lie they actually charge {$75.00}, which I would have NEVER signed up for if I knew this. I always look for cards with {$0.00} annual fee. They lied to me about this. They are fraudulent. 

Due to their lack of professionalism and misleading me with false information, I called them up and told them to cancel the card. I only had them for about a month and I never used the card. They sent me an email confirming it was canceled. I opened up a dispute with XXXX to get this off my credit report, but XXXX contacted today ( XX/XX/23 ) informing me that AVANT was contacted and they ( AVANT ) said my account was, indeed, open. This is a lie. I specifically asked AVANT TO CLOSE THIS ACCOUNT due to my unhappiness with their service. I called them and asked them to send me another email confirming cancellation and they refused. I, then, asked them to please send me something in writing and they said they cant because since I signed up for paperless they can not send me any paper. This is absolutely ridiculous and deceptive. I DO NOT WANT THIS CARD and the fact they are making it hard to leave them is even more disconcerting and shows a dishonest company. I want this card cancelled!!! The account ends in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
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:
Toyota Motor Credit has taken the money from my bank account, but refuse to apply that money to my balance. 

I have called four times regarding this issue, all I get is a stalling tactic of " it will happen in x number of days ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS ARE FRAUD AND I AM A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are several items on my credit report that are either incorrect, out of date or just wrong that I want removed from my credit report.  Please see the items below:

Personal Information
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-05
Company: Auto Acceptance, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
The interest on the loan was very high and the payments were are high also. Contract started on XX/XX/XXXX  payment amount is XXXX a month. No action s were taken

Company response to consumer: Untimely response
Consumer complaint received 2023-06-29
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company 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 2022-04-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Complaint is against PennyMac loan services When I bought my home in XXXX initially, I was told that my loan is fixed and the said amount I am paying XXXX approximately. I was my first time buying a home. Overtime this XXXX has a bad dubious business practice. They continue indiscriminative escalate my monthly payment without justification why my monthly payment continues to increase discriminately. Today as of now the hick to XXXX? The sad practice is that the actual amount that goes to my principal is extremely low. Imagine XXXX out of the XXXX $ dollars goes for my principal. The worst still they have been asking me to refinance my house claiming that will provide me an opportunity to saving XXXX XXXX In other words, they arbitrarily hick the prices then ask me to refinance in other to saving money?

Company response to consumer: Closed with explanation