BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-05
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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX XXXXBalance : {$1300.00} XXXX XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXXBalance : {$1900.00} XXXX XXXX Balance : {$1300.00} XXXX/XXXX  XXXX Balance : {$3800.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX  XXXX XXXXBalance XXXX {$3500.00} XXXX  XXXXBalance : {$140.00} XXXX  XXXXBalance : {$210.00} XXXX  XXXXBalance : {$210.00} XXXX  XXXXBalance : {$210.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX  ) XXXXBalance : {$1400.00}

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 2023-11-06
Company: JPMORGAN CHASE & CO.
State: KY
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:
I got a credit denial letter in the mail at an old address where I can still receive mail, from chase bank. I called customer service on Sat XX/XX/2023 to get information to file the dispute as it was a fraudulent application. They could not tell me any information and advice I visit a branch. I visited a branch around XXXXXXXX XXXX XXXXXX/XX/XXXX in XXXX Ky, they could not find record of the account and gave me a packet with a number to call their ID theft department. I call this number they submit dispute for the credit inquiry but said they could not give me the information from the application and that she had to transfer me to another dept that could give me the information I was requesting. Which I have a right to under the fair credit reporting act. That number tells me that they can not provide that info to me and was trying to direct me to online. I requested a supervisor and she denied me that request and told me to call ftc they could give me the info and provided the phone number. FTC said that was incorrect and they could not provide that info that chase had to provide that. She referred me to file this complaint. I am being denied the application I supposedly applied for. I'm being denied the information used in the application. Denied information on whether it was applied in a branch or online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: HW Holding, Inc
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX, signed a lease in XX/XX/XXXX for an XX/XX/XXXX move-in day to move into an apartment complex called XXXX XXXX XXXX  in XXXX, XXXX. Days after signing the lease, the COVID-19 global health pandemic hit and I was immediately put on furlough from my job at XXXX XXXX XXXX XXXX This prompted me to move back in with my parents in XXXX, as I could no longer afford to pay rent due to a complete loss of income, and understanding of what the future held, as was the case for most of us. 

I had been in contact with my leasing agent working on extending my move-in date under the assumption that the pandemic was going to go away sooner than later. This obviously never happened, and I was never made aware that I was still being charged rent for this apartment throughout the course of the summer of XXXX. I was then sent to a collections agency ( Hunter Warfield ) without being made aware of this debt. I have been trying to dispute this case ever since, and in XX/XX/XXXX I was made aware that this case was dropped from my credit report. However, I am now trying to apply for an apartment ( XX/XX/XXXX ) and am being denied based on this " unpaid debt '' ( {$3500.00} ) to Hunter Warfield and XXXX XXXX XXXX. However, based on the Fair Debt Collection Practices Act, one thing I noticed was that a landlord can not " Endanger the health and safety of tenants '', and moving into a new apartment in a global health pandemic falls under this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I feel behind on my payments due to the COVID-19 pandemic. While waiting for unemployment insurance to kick in ( which was particularly slow in California ), I attempted to contact Ally a number of times to arrange deferred payment arrangements. I was told that the car payments were " too far behind '' and that they entire balance would have to be brought current before a deferral or arrangement could be made, which defeats the purpose for making a deferral arrangement. I was told that if I wanted to negotiate a partial payment, I would need to speak with a manager, which I requested to do. I was told there were no managers available, due to pandemic closures, but was assured by a representative that a manager would call back within 24-48 hours. I received no return call. I attempted a number of times over the following months to speak to a manager and was always assured the same thing - that a manager would call back, but they never did. 

After a few months, I received notification in the mail that I was being sued for possession of the vehicle. At this point, I ramped up my efforts to speak to someone at Ally to address this issue. I called at least a dozen times and I can provide XXXX call logs to verify this. On every single call, i was directed to a department that handles cases that have escalated to legal level. On EVERY single call, i was told the same thing - the only person who could help was a manager and they would have to call me back, as they don't take incoming calls. I requested this every time, yet never received a call back. 

Ally Financial specifically led me on to believe that I would be contacted by management to discuss options for my vehicle, while in the background, they prepared a legal case against me and submitted it to the court. Their behavior is either gross negligence of the highest order, or it was intentional, which is tantamount to fraudulent intent and fraudulent misrepresentation. I am happy to provide copies of phone billing statements if necessary.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX  Balance Owed : {$44000.00}.

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 2021-01-09
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX  XXXX XXXX  XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Halsted Financial Services, LLC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had an account from XXXX showing on my credit report from XXXX. I disputed the debt and ask for proof since I've been a victim of identity theft and have filed with the FTC about this issue. 3 credit bureaus investigated and agreed the debt was not mine and removed it from my credit report. It was removed within the last 6 months. 

I was contacted by Halsted Financial Services , LLC XXXX XXXX XXXX XXXX, IL ( XXXX ) XXXX By text message on XX/XX/XXXX about the same debt with XXXX from XXXX. I replied to the text message advising they cease contacting me and still have the exchange for proof. I have since received emails on XX/XX/XXXX and XX/XX/XXXX about this debt, replying both times with a demand to cease contact. I recieved a phone call on XX/XX/XXXX about this debt after telling Halstead they don't have permission to contact me. Both XXXX and Halsted Financial have not provided any proof and have been given a cease contact request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In approximately XXXX of XXXX I was contacted by BofA and offered a forbearance on my existing HELOC loan. I was informed that I could postpone my payments and at the end of the forbearance period I would be able to defer those payments. I asked them to explain. The representative told me I could move the amount that was deferred to the end of the loan and then continue to make my regular monthly payments. Which means it would extend the months in which my loan would be paid off. This sounded like a good option at the time so I moved forward and had agreed to the forbearance. Unfortunately now I come to find out I was mislead by the BofA representative. At the time I dont think the representatives were very knowledgeable about the process of forbearance which lead them to giving thousands of people like myself incorrect information. Now my forbearance period has been exhausted so I contacted BofA on XX/XX/XXXX and was told specifically, if I can start making my payments again they would give me a deferral on the postponement amount and my regular monthly payments would now continue. I agreed and was told the deferral package was in the mail for me to sign and send back and I could now resume payments. I made my payment for the month and waited for the deferral package in the mail but it never arrived. So after 6 days I called back and was told, sorry, you dont qualify for a deferral and the representative was wrong and misinformed you. Your only option is loan modification or sell. I was shocked. I have been in my house for 22 years and prior to COVID had been paying regularly. I was mislead in the beginning of this forbearance program and would have tried to come up with another solution if I had been properly informed by the BofA representative. I also was mislead on XX/XX/XXXX when I was told by the BofA representative I was getting a deferral only for it to be untrue after we agreed. If I had not called back after 6 days I also would have never known that no one was going to call me, email me or sent me a letter to let me know what I was told was not going to happen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: EQUIFAX, 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:
XXXX of this year 2023 I received a statement of some sort from XXXX XXXX services. My eyes popped out of my head when my son opened it and said mom XXXX says you owe them money {$4300.00} unpaid balance my jaw dropped. Last year I sued XXXX  XXXX XXXX and won same type of circumstances. I owe nothing to XXXX I've never even stepped foot into a XXXX. I don't own Credit Cards I have XXXX to my name. I own a debit visa card that's it and that's all i want and need. I pay cash. I'm XXXX XXXX XXXX with serious medical issues and this is the last thing I need affecting my life. But trust me not the Lord Jesus Christ will have them pay for all the grief and sarcastic tone their employees give me over the phone. This is elder abuse to the 5th degree. XXXX is a fraudulent institution who's been sued by many elderly people for fake bills, and steeling from us hard working people that are retired. I will fight this into the courts like I did with XXXX XXXX XXXX you might be a big company trying nto steel from  the little people but your not ruining my credit and my good name. Take these letters and forward them to the correct people stop harassing me sending me mail calling I will definitely sue for 10 times or 20 times the amount. I call them on the phone I get yelled at because their asking me questions I can't answer because I don't do business with them, if i new the XXXX digit card i would give it to the representative. They basically laugh at me a form of intimidation. My question to XXXX is STOP fix my credit and I'm suoing you for elder abuse. Im contacting state attorney general office, gavins office im going to blow this up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: GA
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:
I recently began looking into moving and I noticed inaccurate information on my report I began reaching out to Experian XXXX XXXX to get this information updated/ changed/ Deleted with no success or response Im hoping this complaint can get something resolved

Company response to consumer: In progress
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: PA
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:
I am not in school so I dont why a student loan is open. I never opened these accounts so therefore I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: SYNCHRONY FINANCIAL
State: OH
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:
A few years back I applied and was approved for an XXXX XXXX credit card which is issued through Synchrony Bank. Originally I was approved for XXXX then a few months after that they lowered it to XXXX, I didn't complain about it BUT I was active in using my card and ALWAYS paid my bill on time, NEVER LATE!!! Most recently I paid the full balance and thought I was doing the responsible thing. When I went to use my card a month later I was told my account was CLOSED then I received an email from the credit report agency inquiring if I closed the account which I responded NO!! I then receive a letter from Synchrony Bank that after checking my credit reports ( no permission and why?! ) in spite of my excellent payment history they decided to close account! This makes a negative mark on my credit report!!!!!!!! I am furious_ if I had never paid them off I would STILL have an active account! How UNFAIR is this. Their letter informed me of my credit score and other information that goes beyond my permission to check. They were only allowed to check my history with them. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: First Data Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was informed that I failed a XXXX test and I would like to dispute that accusation.

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 2023-11-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried and tried over and over to prove, that Wells Fargo Bank 's complaints " were always fictitious '' I'm asking, show me a signed copy of any " cure notice '' that I received and proof that I received it, from WFS Financial Inc. Or from Wachovia Bank XXXX from Wells Fargo bank XXXX surely if any debt was due, XXXX of these XXXX corporations whether by contract or standard procedure. In XXXX if someone is late on any debt payments, they get a signed " cure notice '' show me one I received?????

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 2021-01-08
Company: ALLY FINANCIAL INC.
State: DE
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:
This complaint is about my auto lender, Ally Financial. I had a car accident on XX/XX/XXXX totaling the car. I reported immediately to my insurance company, XXXX. On XX/XX/XXXX, Ally faxed a payoff amount of XXXX to XXXX good until XX/XX/XXXX. On XX/XX/XXXX XXXX paid {$6800.00} to Ally and car should have been paid in XXXX. I did not need my Gap insurance as my car equity was higher and I received from XXXX {$2300.00}. My bills at Ally continued to reflect that I owed {$0.00} thru XXXX, XXXX. 

In XXXX, Ally sent me paperwork for Gap insurance. I called about this and they said I might be entitled to a refund from Gap. I called the Gap insurance XXXX XXXX, contract GW XXXX ) who said they needed title pay off letter. I called Ally back and they said my account was CLOSED so they couldn't see the account but I still owed {$370.00}!! 

On XX/XX/XXXX I spent SIX hours on phone with Ally and spoke to 7 representatives trying to work this out. They said they did an " internal investigation '' and decided that I had NOT paid in FULL and that XXXX had NEVER called them and that XXXX had sent them that amount arbitrarily. 

On XX/XX/XXXX I got a letter from ALLY with a NEW PAYOFF AMOUNT ( for a car that was PAID OFF XX/XX/XXXX!! ) saying I actually owed {$7100.00} not the {$6700.00} they said in XXXX! 

They starting making collections calls ( 4-5 times a day! ) for said PAST DUE amount in XXXX and reported me delinquent to credit bureaus XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX the called my daughter 's MOTHER IN LAW and MY NEIGHBOR about these charges!?!? At this point I sent a " cease and desist '' letter for contacting me, my family and Neighbors. 

I do not feel I owe them ANYTHING and this is a scam to get more money plus interest. There are thousands of similar complaints of cars paid off after being total on the ther XXXX page, XXXX and Consumer Affairs. ( I have screenshotted numerous complaints if you would like to this info, too numerous to include here. ) It is horrific how they conduct business and they should be shutdown! 

I want this charge removed from my account and my credit bureaus notified that my account is current and closed in GOOD STANDING!

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