BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-06
Company: General Motors Financial Company, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I CONSUMER entered into a consumer credit transaction with XXXX XXXX  XXXX of 2021. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX XXXX XXXX sales took cash. The finance charge is supposed to include insurance, but XXXX XXXX  sales made me purchase insurance separately. They Failed to disclose in the contract that this is an attempt to collect a debt XXXX USC1692e ( 11 ). They also failed to send me a written notice containing information listed under 15 U.S 1692g ( a ). I reached out to GM financial and XXXX because, GM financial is requesting payment, but my contracts has XXXX  as the lender. As a consumer I sent in a debt validation letter, Affidavit of Truth, and Cease and Desist they received my package but failed to respond to the information in the packet. They are in violation of 15 USC 1692e false representation of the character, amount, or legal status of any debt. Any debt that is owed should be in the negative ; throughout my contract payments are listed in the positive. The finance charge is the sum of all charges I'm supposed to pay which is {$6300.00} cents to XXXX XXXX XXXX. Why am I being charged XXXX from GM Financial. They violated 15 USC 1692 harming my Reputation by reporting inaccurate information to my credit report and the FCRA 15 USC 1681 states that my credit is my reputation. They harmed me and my property by sending someone to remove my vehicle off of private property without my consent. GM Financial and XXXX XXXX XXXX is in violation of 15 USC 1692 j for designing a contact that is used to create false belief in a consumer. GM is in violation of 15 USC 1692b ( 5 ) using symbols on envelopes, that is effected by the mails. I reached out to Gm Financial more than once to resolve this matter but they failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Klarna AB
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a Klarna card payment of {$200.00} due on XX/XX/XXXX and this payment was set up on autopay. I went to the klarna card website and selected that XX/XX/XXXX payment specifically and was able to choose each installment that was part of that payment that I wanted to pay early on XX/XX/XXXX. I have done this before and the automatic payment will adjust to reflect the payments that I paid early. This did not happen in this case. I thought it odd that I didnt get the emails that I usually do when I pay early. On XXXX the XXXX the installments that were part of the Klarna card payment were deducted ( not pended ) from my bank account. Then on the morning of XX/XX/XXXX I noticed that the {$200.00} was pending and reached out to Klarna support via chat. I explained to the age that I did not owe the {$200.00} and that I made $ XXXX in early payments so I should only be drafted for the balance which was {$81.00}. The agent assured me that the pending charge would adjust to the correct amount. Not an hour later that {$200.00} charge was drafted from my account and was no longer pending. I reached out again no less than 5 other times by chat and phone as well as filing a complaint with the XXXX XXXX XXXX. I was asking that the additional {$140.00} payment which was made in good faith to be allocated to the payment due on XX/XX/XXXX be returned since they drafted the {$200.00} anyway. I advised them that I wanted to fix the situation because if I disputed the charges with my bank my banks position is that its all fruit from the same poison tree so they were going to reverse the {$200.00} plus the {$140.00} and they will block Klarna so they can never debit my account again for any reason. Meaning that Klarna would get nothing. I did not want this to happen. I only wanted a resolution that would have them keep the funds that I owed them, I would get back the funds that were part of an eary pay for that payment and I could resume making payments for any other balances owed. Klarna 's response was that they were keeping all the funds and if I wanted my money back I needed to dispute with my bank. Putting me in a position where I have no other means to pay them if they will be forever blocked from debiting my account. When I brought this up I was told they would just send me to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Wells Fargo is refusing to pay {$400.00} bonus they advertised because they now claim the qualifying deposits had to be made during each monthly statement period not during each actual month. So for example in my case between XX/XX/XXXX and XX/XX/XXXX, etc ... instead of between XXXX and XX/XX/XXXX, etc ... However, this is not what they advertised. The bonus offer clearly states " three consecutive months '' ... not monthly statement periods. 

From their website : Within 150 days of account opening, receive a monthly total of {$3000.00} or more in qualifying direct deposits to the checking account opened for this bonus offer for three consecutive months. During this time, your new account balance must be {$1.00} or more. 

I opened my account on XX/XX/XXXX and made {$3000.00} in qualifying direct deposits within 150 days for the consecutive months of 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 monetary relief
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX creditor : XXXX XXXX XXXX  Balance details 0 % paid off Balance {$1800.00} Balance updatedXXXX XXXX XXXX Original balance {$1800.00} Account info Account numberXXXX Date openedXXXX XXXX XXXX Account typeDebt Buyer StatusCollection account. {$1800.00} past due as of XX/XX/2023. 
Status updatedXXXX XXXX Payment summary XXXX  XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement - Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX, SC XXXX Phone number ( XXXX ) XXXX 15 us code 161 c z a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, no later than 4 business days after the date of receipt. it has been more than 30 days and you are in violation of this law because I am a victim of identity theft. Please delete these items immediately. these accounts should not be furnished on my consumer report as they are in violation under 15 us code 1681 b - the permissible purpose of consumer reports ( a ) in general subject to sub-section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written consent instruction to report anything on my consumer report which violates my right as a federally protected consumer. no consent is identity theft. As a consumer, I am demanding the deletion of the account listed immediately

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 2023-03-10
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:
To whom it may concern : This letter is requesting the removal of the accounts below from my credit file. Please understand I have been dealing with this issue for months regarding this debt I have researched hours and hours to determine what I now know has happened to me. I am a victim of MEDICALDEBT PARKING! 

YOU HAVE ILLEGALLY PARKED A DEBT! I have checked with the medical facility that originally claimed this debt only to discover that there was no outstanding debt. I recently applied for a new position and my credit report was requested, I was denied the position due to a low credit score. My credit score has been adversely affected by this Parked Debt.This is an invalid debt and you should be considered by all definitions A Bad Actor!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is in reference to the prior complaint # XXXX, the credit reporting agencies are not following the guidelines on removing items and not replacing them. XXXX XXXX XXXX  said they removed 2 late payment from all the credit reporting agencies. XXXX is the only one that only show 3 late payments which is correct but theses dates should be removed XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX. 
On XXXX XXXX they are showing 5 late 30 days, which is incorrect. 4 late payments 60 days and that's not correct. Also on the XXXX XXXX report for TRANSUNION, they have 4 late 30 days and 3 late 60 days, both are incorrect. Between XXXX and XXXX XXXX XXXX, This should be corrected immediately. I only have 2 open accounts on my report not 6. XXXX have XXXX on my report which is currently under bankruptcy. I have file a dispute several times for Transunion / XXXX to correct this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, my phone and XXXX XXXX card was stolen. I originally thought when I first called chase it was taken while I was getting my tires changed. I gave them a police report and everything. I called them while the charges were still pending because my account was in the negative from me paying my bills that didnt show until Monday morning and I was told to wait until the fraud charges are not pending to see if they will bounce the charges back which was weird. Well I waited and they let the fraud charges go through and bounced back my bills ( car note / insurance/ registration ) and left me with nothing. I later found out it was actually my old room mate that stole my information and my phone after I tracked my phone to the apartment trash cans and we naturally got into a heated argument which the police broke up and told her she needed to leave. They asked me if I wanted to press charges and I told them I just want her gone. I only said that because I believed when I called chase back and told them they would have empathy and at least give me some if not all my money back however they then went to blame XXXX XXXX ( which is what she used to steal from me ). So I called XXXX XXXX and XXXX XXXX said they could not refund the money because chase let them go through. So I was highly upset because I called chase the Monday morning ( XX/XX/2023 ) as I said before before the cleared. XXXX XXXX told me they could of cleared it up if chase would have denied the charges however because they didnt they couldnt do anything. So I called chase back and they told me I needed to send proof of what happened however they didnt tell me what proof they needed. I had to talk to a manager and they said I needed an new police approved police report which I did not have since I elected it not to press charges. I tried to go to the police station however it was too late and I didnt remember the officers names so they could not ask them about it. At this point I was incredibly frustrated and just gave up until my mother told me to reach out here. So Im praying this will help. I have more information and even a letter they sent me on accident which shows how they had it the system claiming I only disputed XXXX dollars and they denied it because I didnt make a claim for the other XXXX. I only made one claim in the amount of XXXX. They denied they sent the letter however it came with the other papers saying why they denied me. Ive never had an issue like this. I see a lot of people have issues like this with chase. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Fraudulent inquiry reporting to Transunion that I did not authorize. 
XXXX XXXX XXXXXXXX ( Bank ) XX/XX/2023 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 2022-05-06
Company: Experian Information Solutions Inc.
State: GA
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  Acct reference # 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

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 2023-11-14
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had reported a credit card theft to the company. 
My credit card had skimmed in XXXX  and used in many online purchases by the thief including purchases in the state of XXXX. 
After filing the report and letting them know I couldn't have been the one to use the card out of state at the time. There is proof I was using it in my state of Texas at the time it was being used in XXXX. 
My stolen credit card information was used to pay for things like automotive insurance, purfume, food, etc. 

I waited a long time for the results of the investigation. 
the credit card company sent me a letter stating I was liable for all the fraudulent transactions because the physical card was in my possession. 

The credit card company charged me interest for the transactions The credit card company refused to allow me to speak with someone in charge The credit card company demanded payment during a second investigation. 
I have not received notice of a second investigation. 

Overall, my card was stolen via a high tech scheme to copy the information from the card and transfer it elsewhere, where it was used in a criminal shopping spree totaling over {$1500.00}. Not only did the credit card company blame me for this, they also provided no protections for me the consumer. I think this violates every card holder agreement the company has.

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 2023-07-10
Company: Experian Information Solutions 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:
This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. This is inaccurate and needs to be corrected immediately. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check this item ( A ). It is unacceptable to list this item as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report 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 2020-04-09
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I closed my savings account with citibank ( account no XXXX ) on XX/XX/2020 via online chat. The account then disappeared from my online login and I thought it was successfully closed. However, today I received a letter stating that I was charged for XXXX XXXX  monthly fee on this account and another {$34.00} overdraft fee. Could not reach the customer service by phone or chat.

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2022-11-03
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX 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

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 2023-07-10
Company: Experian Information Solutions 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'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 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 2023-10-18
Company: Experian Information Solutions Inc.
State: IL
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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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