BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I signed up for a CareCredit card through synchrony bank. At the time of signing up, I was very clearly told that as long as I paid off the purchase at the end of the 18 month promotional period, I would not be charged any interest on this card. I was then told, that all I needed to do was setup autopay, in which case it would pay the card off by the end of the promo period. I did this, and have been having automatic payments deducted for 18 months. However, I was told completely wrong by someone at the company who clearly had no idea what they were talking about. At the end of the 18 month period, I was charged {$1800.00} of interest on my original {$4200.00} purchase ( which was used for healthcare ). I contacted the company, telling them this was no right, and they told me that I am wrong about how their card works. But I was told by someone who works there how this card works, and was following their instructions! {$1800.00} is a crippling amount of money when it comes to my current financial situation, and I believe it to be completely unfair business practice. I believe I was falsely advertised to, and then was forced to pay money that I should not have owed. I really hope you can help me. And I appreciate your time very much!!

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 2023-05-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I never opened a credit card with XXXX XXXX issued by XXXX XXXX XXXX XXXX XXXX. In fact, I never heard of them until they showed on my credit report around XX/XX/2022. I contacted them several times to inform them that the account is not mine and to remove it from my Credit Report. I also contacted the XXXX  about this issue and the business attempted to solve the issue, the account recently showed back up and I started getting mail from a collection agency XXXX XXXX XXXX about this account. THE ACCOUNT IS NOT MINE AND IT MUST BE REMOVED FROM MY CREDIT REPORT AND ALL COLLECTION MUST STOP ON THIS ACCOUNT. I already disputed the account with the collection agency and filled out an Affidavit. 

XXXX Account Number : XXXX XXXX XXXX Collection Account Number : XXXX. 

This account is not mine and is a result of confirmed identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$1300.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$520.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX  XXXX XX/XX/XXXX {$1800.00}, XXXX XXXX XXXXXXXX XX/XX/XXXX {$2900.00}, XXXX  XXXX XXXX XX/XX/XXXX {$4000.00}XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX XX/XX/XXXX {$6100.00}, XXXX XXXX  Bankruptcy XXXX XX/XX/XXXX {$0.00}. 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 non-monetary relief
Consumer complaint received 2023-09-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
An account with JPMCB was delinquent in XXXX and listed as charged off in XX/XX/XXXX. The account has remained in that status since. JPMCB contacted all 3 bureaus and has the account updated to reflect closed as of XXXX  This action caused my credit score to drop by more than XXXX XXXX. I have successfully disputed this with XXXX XXXX XXXX XXXX XXXX  will not correct the error. 

I am not disputing the debt but the information about when the account was charged off is incorrect and multiple credit reports generated prior to XX/XX/XXXX will show the first delinquency and the original charge off date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-16
Company: EQUIFAX, INC.
State: IL
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:
The Credit Bureaus have failed to investigate my dispute of false information reported on my consumer profile. I have sent written notices disputing both the debt with the original creditor ( XXXX XXXX XXXX  ) as well as the collection agency who has purchased the debt ( XXXX XXXX XXXX  ). I do not owe either the original creditor or the collection agency who has been attempting to collect this debt from me. The original account was not authorized by me and when I filed disputes the Credit Bureaus did nothing, eventually the account charged off and now the collection agency is ruining my credit history by reporting this information. Furthermore, the credit Bureaus were notified of this dispute, but my account remains unmarked with any dispute status. This is a violation of my consumer rights under the FCRA and FCDPA. I have the right to an accurate and true credit profile. My complaint is against the Credit Bureaus for their failure to investigate. I have filed additional complaints with the FTC, see attachment for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
Company: Experian Information Solutions Inc.
State: AL
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:
In XXXX and XXXX of 2021 I filed a dispute with this bureau about the inaccurate info being reported from XXXX XXXX -- XXXX In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. 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 2023-05-26
Company: EQUIFAX, INC.
State: NY
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: PA
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
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:
After I filed bankruptcy and the the company with claim with the court, filed to be released from XXXX. Then came and repossessed my vehicle after I paid what they told the court I was behind. I paid it yet they repossessed my car anyway. They sent a certified letter asking for {$2100.00}. Then over the phone after I was about to pay, they verbally changed the amount to {$2700.00}. Plus {$320.00}. To the towing company. I was told my account was being brought up to date. After paying the money, I got a letter not confirming what I paid, but that they recieved a payment. And that my account was being reopened. And that my next payment of {$610.00}. was due XX/XX/21 that I was told my account was up to date after the payments and additional {$610.00}. Added after the certified amount. And that reactivate could take several weeks as much as four weeks. 
Then my attorney filed a motion to dissallow Toyota motor credit from any further disbursement from court because after release from stay, they didn't withdraw their claim. I really think something illegal was done here in all this and need a investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Called to discuss a hold put on {$1700.00}. because the check I put in the bank had cleared this morning, then the hold was placed. The lady was rude and had no explanation of why the hold was placed. She hung up on me without any answers.

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 2023-06-13
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 my wife and I went to the XXXX XXXXXXXX XXXX and XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX NC. We made a deposit of XXXX When I got home, I log into my account and I could see the deposit. On XX/XX/2023 I log into my account again and the deposit was gone. The account did not show a record of the deposit it only showed the XXXX withdrawal that made at the same time as the deposit. I called Chase Customer service after talking multiple people, I was told I need to go the branch where I made the deposit. I went the branch and spoke with the teller he remembered me and my wife and us making the deposit. I spoke with his supervisor she also remembered us. The supervisor went into the system and tried to find the deposit after a few minutes she asked me if I could sit down and she will continue to try and find a deposit. After about 30 minutes, she came to where I was sitting and said that she could not find the deposit and she could not find the check. She then asked me if I could wait till the end of the business day to see if she could find the deposit. Meanwhile, my wife called and spoke to the branch manager, which said that they would try and find the check had been sent to central district somewhere, and that the check was not lost. Where I come from if you dont know where something is there it is lost. I was led to believe that the sorting area where the check was sent to was a local XXXX finding out that it was out of state, and it will be days before they could even begin to look for the check. I am out of XXXX from where I can see because you dont know where the check is and the money is not out is not in my account. I was not given a timeline on when I should speak with the issuer sure about putting a stop payment on the check as a matter fact,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: EQUIFAX, 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 've spoken with   XXXX   by phone and also sent them a certified letter about removing my hard inquiries because some of my inquiries were removed and then reinserted later. Others I 've explained that the inquiries were not authorized by me but they still remained as well. I would like all of these to be removed.     Credit Inquiries  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  DE  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   DE   XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  DE  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   FL   XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  FL  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  PA  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   VA   XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  DE  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  DE  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  UT  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  UT  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  UT  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  VA  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  VA  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  VA  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
At XXXX, a friend and I secured an apartment online on XX/XX/XXXX in XXXX, CA. Feeling pressured during the phone conversation with the apartment representative, I hastily signed a lease without a clear understanding of the terms online, as it was my first rental experience. Surprisingly, I never physically visited the apartment despite the necessity of a Guarantor ( my mom ), who, in the end, NEVER signed the lease agreement and it says JOINT. ( SCAM ) In an attempt to cancel the lease due to negative XXXX reviews and the absence of a co-signer, The XXXX XXXX  acknowledged the cancellation and ceased further communication. I did not hear from them. 
After graduating and seeking a new place to live, I faced denial. To my astonishment, an {$8800.00} debt appeared on our ( mom and I ) credit report, sent to collections by XXXX without any notification. 
On XX/XX/XXXX again, I reached out to the creditor with specific requests : The original contract bearing my and my moms signature. 
Confirmation of debt ownership. 
Details of the original creditor : name, address, and phone number. 
( Account # XXXX, XXXX Account XXXX XXXX ) Regrettably, the creditor did not respond to my inquiry. They have destroyed my credit ; I cant even get a credit card. My mom didn't sign anything. 
Many other people on XXXX have reported same dispute for XXXX XXXX XXXX. Scam students to signing and then the apartment not cancelling and the lease and collecting money. 

Account info Account name NATIONAL CREDIT SYSTEMS Account number XXXX Account type Collection Responsibility Joint Date opened XX/XX/XXXX Status Collection account. {$8.00}, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have reached out several times to the bureaus and to companies. Companies may include XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXl, and other companies in which there are fraudulent charges on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Irs stimulus check deposited on XX/XX/XXXX to my PayPal mastercard debit card and it has yet shown up in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The company charged consumers interest charges when the balance was paid in full by the due date. No interest is accrued if you pay the balance by the due date. They are fraudulently billing consumers fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-13
Company: WELLS FARGO & COMPANY
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Wells Fargo Dealer Services changed the due date multiple times during the loan without my knowledge. It was changed on XXXX. This resulted in several late fee penalties incurred. My payments were reversed without my knowledge. These dates XX/XX/XXXX, XX/XX/XXXX ( 2 payments ), I was charged a returned payment fee of {$30.00} on XX/XX/XXXX on a payment they reversed and late fees after the reversals. Because of the deferments that I did not authorize it has extended my payoff schedule. The balance due is more than what it should be. I have made 61 payments as of XX/XX/XXXX based on the printout they sent. Those payments total {$30000.00}. Per my contract, the total price paid after all payments are complete is {$35000.00}. My balance as of XX/XX/XXXX was {$7000.00}. I have 11 more payments of XXXX which would only add up to {$5400.00} if the entire payment went to principle which it will not. There is a huge discrepancy in the numbers. The late fees that were added were paid with the next months following payment. My paperwork from Wells Fargo has a loan maturity date of XX/XX/XXXX so I'm not sure how I have so many months left to pay and a balance over {$7000.00}.

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 2023-05-26
Company: EQUIFAX, INC.
State: AZ
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/

Company response to consumer: Closed with non-monetary relief