BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-18
Company: General Motors Financial Company, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have called XXXX XXXX  a few times during Covid 19. The last time I called was in the beginning of XXXX. I asked them what I could do about my payments because I lost my career due to covid. I work in the XXXX  field as an XXXX and I still can not find part time work. My XXXX is getting worse from the XXXX  and XXXX. I had just bought a condo as well XX/XX/2019. My mortgage company worked with me. When it came to XXXX they told me that there was nothing they could do for me because I lease my car. I still can not find work. I am struggling in every way financially and could lose my home if I am unable to rent it. This is my second time I have leased with XXXX. I am so disappointed with XXXX XXXX and their lack of empathy for people who are struggling. I asked if I could turn the SUV in and they told me I could but I would still owe the money. I don't want to have my credit destroyed. Thats the only thing I have. I don't have family to help me financially. This is a pandemic. People are still buying cars. They are not hurting for money but some people are actually still hurting for work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I owe XXXXXXXX XXXX {$1200.00} because of unpaid membership fees, even though I attempted multiple times to cancel. They told me I could not cancel, they will still charge my card and threatened me saying if I dont pay my credit will be destroyed and once collection comes after me theres nothing they can do to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concerns, Account # XXXX I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. 

How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, 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 2019-08-27
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX Is attempting to collect on a debt I do not owe. This debt has been paid. Also, I did not receive any notifications about this debt, no phone calls, and no letters. I only knew about this debt because I checked my credit. This is a violation of my 30 day right to dispute per the FCRA. As soon as I found out about this debt, I called and paid. This account needs to be removed off of my credit file for " 30 day right to dispute '' Violation. This was a medical debt and also violating HIPPA Policies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: WELLS FARGO & COMPANY
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:
XXXX/XXXX XXXX Balance Owed : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX  XXXX Balance Owed : {$1500.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX/XXXX  XXXX Balance Owed : {$22000.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

WELLS FARGO XXXX Balance Owed : {$4200.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

WF/PREFERR XXXX Balance Owed : {$8200.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX  XXXX  XXXX Balance Owed : {$2400.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX  XXXX Balance Owed : {$3600.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act.

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 2019-12-16
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I availed of a 60-month auto finance loan from TD Auto Finance (TDAF). The last payment was due XX/XX/XXXX. I had paid 59 payments for the vehicle on time, via an automatic online payment system, with each payment close to $3000, ON TIME EVERYTIME. I was NEVER LATE.I received a letter from TDAF datedXX/XX/XXXX advising me to 'watch your mail for a separate invoice from TDAF. You can send it your payment to the address on the remittance slip that is included with the invoice'.  (See attached image, with higlights). I waited for the invoice which I never received. When I was contacted in late XXXX/early XXXX by TDAF, I mentioned to the caller that I did not get the invoice as promised in the email. I then settled all outstanding amounts in the same call using my credit card immediately.In late XXXX/early XXXX I learned of the adverse reporting by TDAF to the credit agencies affecting my credit score. I contacted XXXX and explained the situation to them. They advised me to contact TDAF. I sent in all the paperwork to TDAF in earlyXX/XX/XXXX explaining the entire sequence of events. I contacted them on XX/XX/XXXX, and was informed that the dispute resolution response had been mailed to me. Having received NOTHING in the mail, I contacted them again on XX/XX/XXXX to learn that their Dispute Resolution team was unwilling to change their reporting to the credit agencies. I explained that I disagree strongly with their conclusion, and I have no recourse but to escalate the process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. 
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX - XXXX XXXX  on XX/XX/2021 ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX - on XX/XX/2021 ( Reported Identity Theft )

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 2022-10-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA VIOLATIONS NOT MINE NOT MY CC XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$150.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
NOT MY ADDRESS XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family NOT MY NAMES XXXX XXXX XXXX XXXX XXXX NOT MY JOB XXXX CONTROLS NOT MY INQUIRIES XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: TX
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, XXXX : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX : # XXXX, XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX : # XXXX, 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 an 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 2021-09-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hi, I had one checking account and two saving accounts at Chase. When I first opened account at La XXXX brach office of XXXX. They gave me a free safe deposit box as a bonus. But I never used this deposit box. About XX/XX/XXXX, I opened an investment account from the online banking. I did not do any trading since I opened the investment account. In XXXX XXXX, I got an email from Chase, they told me my investment account was changed to self-directly account. I was so wired : what kind of my investment account before? I opened it online, and did not came to any branch off and talked with any investment consult. This email let me feel uncomfortable. 

At the end of XXXX XXXX, I came to a Chase Branch to close all account, including the checking account, the saving accounts and investment account. The banker told me, she closed the checking account and saving accounts, but I need call Chase to closed the investment account. I called Chase. The agent told me, I have another investment account ending in XXXX, they could not close it, it was belong to finance dept. I was weird again. I went to a branch office again to confirmed if I have this investment account. The banker told me she did not fine this account. 

During I closed all accounts, I also call La XXXX Chase branch office. Because I moved from La XXXX to XXXX California in XX/XX/XXXX, it has over XXXX miles from XXXX  XXXX. I hoped I can discussed how to close the safe deposit box by phone before. But unfortunately, I called the La XXXX XXXX XXXX over 10 times during their business time within twodays ( Friday and Saturday ), no one answered it. Only one time, they answered, I told her my status, she let me to call Chase XXXX  hotline to settled. But the agent from XXXX hotline said the safe deposit box was belong to the branch office, I must to call them. I do not know how I could closed the deposit box. 

Two weeks past, I checked my online banking, and found that the investment account wass still appeared. I sent sercurity email to inquire about this status. They said, this account I could not to trade now, but they should kept the investment account about 18 months for the tax. I reply them, there has not the tax record because I never did any trade, on the other hand, they could kept the recorder by themself, why they still let the investment account at my online bank. They only reply that maybe the investment account kept less than 18 months if I never did the trading. 

For above, I think Chase have some thing is unreasonable, the service of La XXXX Chase branch office is not professional. 

Thank you for your attention and time Best Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: NY
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 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-03-11
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have a used car business. I have merchant account with JP Morgan chase for my business. The bank kept holding the money starting from XX/XX/XXXX stating they are doing risk analysis for the account due to some transactions. After 10 days I received an email that the account will be closed and the funds will be on hold for 6 month without stating any reasons for closing the account. Many attempts from my side had been made to understand the reasons of closing or holding the money and i offered to support all documents needed which can proves that all transactions which are on hold are legal but unfortunately there was no cooperation from bank side stating that nothing i can do and i have to wait for 6 month to get my funds. The total amount which is on hold is almost {$27000.00}. This amount already hurts my business and causes alot of damages. We discovered later that the bank refunded big amount of the money to the customers who got the cars from us and when we call the bank and the representative keep lying and say no the bank still holding the money. This week on XX/XX/XXXX i received an email stating that the among on hold is only {$2900.00} which mean that there is almost {$24000.00} is lost or refunded to the customers without my authorization and when i call the bank representative again, they kept saying the whole amount still on hold however, some of the customers that i could reach that made purchase on these days confirmed that the money has been refunded to them and they were surprised why! I escalated the issue to the banks executive office but it has been almost two weeks and i am not getting any response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX has confirmed payments on acccount ending in XXXX, as a one time debt account ending in XXXX which does not belong to me on XX/XX/XXXX. Before that in XX/XX/XXXX chase said payments were being made from a checking account ending in XXXX which also doesnt belong to me. I have never been associated with the XXXX XXXX XXXX XXXX, CA. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit 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 placed an order through walmart.com and unfortunately never received a merchandise I said inform Walmart that I never received the product and they informed me that it wasnt anything I can do I have time to dispute with capital one bank, and they also have not done with your diligence to help me resolve this claim. I have requested for capital one to submit their proof or findings of me having this product, and I have had no substantial answer from them. As of todays date, they just want me to pay for a product that Im not a possession of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/XXXX, I opened a business checking account at a Wells Fargo branch in XXXX, XXXX Today, XXXX XXXX, I received an email ( which I will upload ) letting me know that my " requested '' overdraft protection had been added to the account and that funds for the overdraft protection would come from a new credit card with number XXXX. 

Trouble is, I NEVER REQUESTED OR APPLIED FOR EITHER OVERDRAFT PROTECTION OR A CREDIT CARD. The paperwork for the opening of the checking account refers to neither, and I discussed neither with the representative I dealt with at the bank branch. 

Astoundingly, this sounds like exactly what Wells Fargo got in trouble for last year or the year before. It doesn't leave me with much confidence in the bank. 

I phoned the customer advocacy office at Wells Fargo to ask how this happened. They had no answers but did confirm that the credit card account had been opened. ( Of course, I have not seen a credit card and do not wish to see one. ). They said they would open a case on the matter and get back to me at some point.

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