BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-03
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I keep getting charged different amounts for the same visit and its frustration and honestly induritating. As I am being charged by XXXX XXXX twice and then from the actual XXXX XXXX? I am not going to keep paying amouts for the same thing. Why am I being charged various amounts from every direction at different times. I paid {$56.00} for ( PIN : XXXX ) for XX/XX/2021. Now I am being charged another {$180.00} for the same date XX/XX/2021???? ( PIN : XXXX ). On top of that another {$110.00} from XXXX. WHY IS XXXX AND XXXX XXXX CHARGING ME DIFFERENT AMOUNTS CONSTITANTLY FOR THE SAME DATE!!!???

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 I paid my XXXX XXXX account in full. This account was from an old lease which I paid on time throughout the duration of my lease. I was taken advantage of by the dealership into getting a lease with mileage protection knowing I would be going over my lease miles. I was then charged {$2400.00} for mileage. I felt I was taken advantage of by unethical sales practices. I did not want to pay this for that reason. I am self employed and this transaction on my credit began to hurt myself and business. I decided to pay this account in full to better my credit. I made a payment over the phone with a representative and was told my account would be updated within 30 days. Since then XXXX XXXX has continuously reported on my credit incorrectly. Every representative tells me my account has been paid in full and it will properly be reflected however after each communication and dispute they either say on my credit report I settled and paid for less or that I owe {$10.00}. This is inaccurate as my account was paid in full. Account is under my maiden name, 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 2018-06-04
Company: General Motors Financial Company, 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: Problem with personal statement of dispute

Complaint:
In XX/XX/XXXX GM Financial sent me a late notice on my lease account for XX/XX/XXXX.  When I called GM support I was informed over the phone that my auto-pay, which was set up by the GM dealership from day 1, was removed from the system in error due to a system update. GM removed our late fee but reported a late on our credit report. We are in the process of purchasing a house and this late has caused our mortgage rate to increase which will cost us nearly {$200.00} per month more than the estimate prior to the late report. This is the one and only late report on our credit history. GM Financial has not been willing to help resolve this issue with our mortgage lender to correct our credit score to have our rate fixed. I have spoken with multiple managers at GM financial who are unwilling to do what is being asked by my mortgage lender to resolve this issue. They are also unwilling to escalate this issue within GM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: BANK OF THE WEST
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We bought a truck and used Bank of the West for the loan. Everything was fine until XXXX. I was a dental assistant and was sent home from work, with no notice because of covid19. I applied for unemployment benefits but could not get any help for months. I contacted Bank of the west in XXXX and applied for help. I got their Disaster relief plan, and they told me it should be fine. Well they have been reporting the late payment on our credit report 30 and 60 day latest. Also after we started making payments they are still reporting that those months are over 30 days late and they were not. they were late but not over 30 days late. I have disputed these charges on my credit report for the last 5 months. They are still reporting these 30 and 60 day late payments. I tried calling and talking to them. They did not want to help me at all. I'm very frustrated we have paid all the payments and all their fee we don't deserve to be treated this way. It is hurting us financially. We had to sell our home to pay off our debts, and now we can't buy another home. Because of their false reporting. They also drag their heads about posting the payments. I sent our resent payment in last week. I just noticed on the print out I'm going to send you. They have not posted our payment yet. This payment history is being downloaded and sent to you from Bank of the west website! So they know we were not 30 days late. Every month when I dispute these late payments, they just change the month that they say we were 30 days late in.

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 2019-07-10
Company: STATE FARM BANK, FSB
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
XXXX XXXX, the owner of State Farm in XXXX CT has been my life insurance agent for about 20 years and that is how long my IRA has been with him. 

Late last year XXXX XXXX took over State Farm IRA/Mutual Funds and only the agent - not telephone or online - trading/withdrawals could be perform these transactions. XXXX told me he didnt go for training and he whined - maybe I should just move my IRA account. 

I didnt know how to do that and XXXX messed up a transaction I have reported to all agencies and still no real satisfaction. I did recoup {$100.00} that he didnt have put into my checking account but when I discovered the $ error - XXXX did nothing to correct it. I had to go to XXXX and I dont know if they just took out more XXXX XXXX made 2 transactions for one simple {$500.00} cash request and messed up my IRA account. 

After a full month of trying to rectify this, I went over to XXXX. I couldnt have XXXX do any more transactions and XXXX refused to admit his error - giving me less $ for a transaction. 

I want the {$70.00} fee State Farm is charging me to transfer my IRA to XXXX refunded to me by State Farm. I have no access to my IRA $ which I need as a XXXX senior for monthly household expenses. This whole ordeal has left me without funds and its a real worry. I also have a XXXX daughter - its just the two of us. 

XXXX told me he could not get my {$70.00} and to just report it. 

Thanks for any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: EQUIFAX, INC.
State: TX
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 have made many complaints/disputes to Equifax regarding XXXX reporting inaccurate and unfair information on my credit report. Equifax has conducted superficial inquiries regarding this matter. I have asked repeatedly for them to conduct a reasonable investigation regarding an unfair report of a 30 day late payment-XXXX XXXX, due to the creditor 's lack of proper notification to present the payment coupon ( sent to a wrong address ) which resulted to the creditor not properly notifiing me in a timely manner. I have sent supporting evidence and attachments via mail to Equifax. Equifax must conduct a reasonable investigation of this mishapes and correct the error on my credit report. Equifax contacting and accepting XXXXXXXX XXXX  swift response without evidence of substantiated verification of the 30 day late is not the proper course of action that is acceptable per previous judicial hearings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: EQUIFAX, INC.
State: FL
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 have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. Can you please send me information showing that these debts are actually mine? Because its complete FRAUD. If you take a look at my credit you would understand that I have never ever even dealt with this kind of debts. ITS IDENTITY THEFT, MY info is stolen and I need help. Please delete them investigate check whatever but I do not want to see them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: AMERICAN EXPRESS COMPANY
State: OR
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 sent a prior complaint ( XXXX ), which was based on info that Amex gave me about plans. Amex followed up with me and told me the person gave me incorrect information and payments are NOT applied to interest-free plans first, so that complaint should be closed. I still knew the interest was wrong, so I looked into it further. I have tried repeatedly to explain the issue to them by chat, but they just keep telling me they will send me info on how interest is calculated. I am a XXXX XXXX and understand interest - that isn't the problem. 

I am repeatedly told that the interest is being computed on my average daily balance back into the " interest free '' period. I have attached my XX/XX/XXXX statement, which shows that interest-free promotion, from XX/XX/XXXX to XX/XX/XXXX, with an outstanding balance of {$0.00}. You can also see that my non-plan total balance was {$0.00}. Plan balances do not incur interest, as long as the monthly amount due is paid, which mine was. 

I made new charges on my card that posted to my XX/XX/XXXX statement, which totaled {$1700.00}, with an average daily balance of {$1500.00}. The minimum payment was made instead of adjusted balance in error ( by me ). However, American Express showed an average daily balance of {$7300.00}, " from '' XX/XX/XXXX and charged me {$160.00} in interest. 

This is clearly not correct and there is no possible way that I had an average daily non-plan balance of {$7300.00} in a month when I only made {$1700.00} in new charges. I have attached a spreadsheet that very clearly lays out my payments, net balance, and new charges. I have contacted American Express about this and spoken with 4 different people who continue to insist that the interest is correct, try to explain how interest works to me, offer to send a letter explaining interest, etc. They don't seem to understand that there is a systemic error that is showing an average balance that did NOT exist in statement period and a " from '' date that is also wrong. This issue was compounded on my XX/XX/XXXX statement with another {$200.00} interest charge, again showing an aging " daily average '' balance that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2022-11-03
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I mailed a letter requesting an investigation for inaccurate accounts listed on my credit report. It has been 3 months and I still haven't received results of an investigation.

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 2021-03-21
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
A mortgage lein by NFCU from 12 yrs ago is preventing me from refinancing my mortgage in XXXX. During the XXXX subprime mortgage crisis, I was able to borrow a $ XXXX as a 4th mortgage on my primary home, to be use as a down-payment for a 2nd home finance through NFCU. With home market collapse during that time, I was force to file bankruptcy and short sale my 2nd home.. It started as Chapter XXXX but eventually converted to a XXXX. Due to predatory lending practices in XXXX and XXXX, my 2nd and 3rd mortgage release their leins, but not NFCU. I contacted them several times to release the mortgage lein to no avail. According to them the lein is still valid and they wanted it paid in full from remaining equity in my house if I refinance. I told them financially this might cause me to go to bankruptcy again. PLEASE ADVISE. I read several lawsuit on NFCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-05-12
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-12-08
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information An 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 2023-08-15
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 explanation
Consumer complaint received 2019-09-12
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019, I submitted a complaint to my bank JP Morgan Chase due to a charge of {$410.00} from my debit card which was lost and the bank did not cancel in time. On said date I disputed the charge and asked to issue a new card. The venue which the card was charged was a strip club called XXXX XXXX based in XXXX, WA. The bank credited my account for the sum but on XX/XX/2019 withdrew those funds and gave them to the club in which I never have been. I submitted a fraud dispute with the bank at the time and today XX/XX/2019 found out that the bank Chase debited my account to the venue in which the fraud dispute was made. I tried to call the bank twice to discuss and was issued a new debit card as well but the charge stayed. 

In my dispute and complaint is the bank is committing fraud on my account by siding with said merchant in which is a strip club and known for fraud activity on cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: Experian Information Solutions Inc.
State: MS
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I mailed a letter requesting an investigation for inaccurate accounts listed on my credit report. It has been 4 months and I still haven't received any results of an investigation and these accounts are still showing on my credit report.

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 2023-06-27
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The following list of accounts below has violated my Federally Protected Consumer Rights, both privacy and confidentially under U.S.C. 1681. 

The account is as follows : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - I.D . # XXXX ( XXXX ) or I.D . XXXX Equifax or XXXX credit reporting agencies. 
15 U.S.C. 1681 Section : 602 ( A ) state I have a 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. 
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 nor any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I am requesting that these companies abide by the law and follow the rules accordingly.

Company response to consumer: Closed with explanation