BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I bank with Chase, the XXXX XXXX XXXXXXXX had an error on the XX/XX/XXXX transactions scheduled for that day. Due to the manual error, information that was sent could not be processed and they said returns would be done. This is a direct deposit for my paycheck. XXXX and Chase have both been pointing fingers at each other saying the other has to fix the issues that remain. Chase says that XXXX has not resubmitted the payment file as needed and XXXX says that since it submitted it the first time, they don't NEED to do anything else because it's a bank processing error. Even though the XXXX XXXX XXXXXXXX says the originators have to resubmit it. In the meantime, I am being charged late fees and have no money for anything. It is now the XXXX of XXXX. They said this problem actually started on the XXXX of XXXX. Neither said will give me a timeline of when this issue will be resolved. They have sent no emails to any customers, not just myself in regard to this. Many people are in the negative and are being charged fees FROM THE BANKS because of THEIR ERRORS. They have not talked about compensation ; they have only said it's the other persons fault each time we try to talk to them. There are thousands, if not millions of people who have still not received their paychecks. They even closed over the weekend and pushed things off even though this is a crisis for many of us. I want compensation for this debacle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-27
Company: EQUIFAX, 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Accounts name XXXX XXXX XXXX XXXX account name XXXX XXXX XXXX XXXX XXXX # XXXX, account name XXXX XXXX XXXX XXXX XXXX XXXX, account name XXXX XXXX XXXX XXXX # XXXX, account name XXXX XXXX XXXX # XXXX account name XXXX XXXX XXXX # XXXX account name XXXX XXXX XXXX XXXX XXXX XXXX, account name XXXX XXXX XXXX XXXX XXXX, account name XXXX XXXX XXXX, L # XXXX, account name XXXX XXXX XXXX XXXX XXXX account name 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 : states 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 report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions 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 sent a letter to the 3 Credit Bureaus last XX/XX/2022 to correct/fixed these suspicious items. I think you have not validated these items in accordance with FCRA and I will pursue legal action against you. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXXXXXX XXXX  Account Number : XXXX ; XXXX XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX ; XXXX XXXXXXXX  Account Number : XXXX ; XXXXXXXX XXXXXXXX  Account Number : XXXX ; XXXXXXXX XXXXXXXX Account Number : 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 2023-04-28
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023, I submitted a payment for the statement balance to my XXXX XXXX XXXX on Synchrony 's website. The payment deducted successfully and the balance reflected a {$0.00} balance. 

On XX/XX/2023, I woke up to a second payment for the same amount deducted from my checking account. After further investigation, Synchrony submitted the payment a second time even though the balance reflected a {$0.00} balance. The amount taken in both cases is {$390.00}. Only the payment on XX/XX/2023 is valid. After an hour of fighting through customer service and arguing, the only resolution provided is to " contact my bank if I have a problem ''. They claim to not see this payment anywhere in their system in spite of it not only showing up in my Synchrony account transaction list, but with providing confirmation numbers. The confirmation numbers for the XX/XX/2023 transaction do not match those of XX/XX/2023 transaction.

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 2023-01-24
Company: Richard Stone & Associates
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have a daughter with special needs, who DOES NOT live with me. Richard Stone & Associates sent her an email concerning my debt. My daughter is in no way connected to this debt. 

I called and spoke to XXXX XXXX. I explained the email issue with him and he promised it would't happen again. 

Yet, my daughter has received an email a week discussing my debt with her and causing her undue stress. 

Again, my daughter has special needs and has enough of her own to deal with, without Richard Stone and Associates harassing her weekly. 

Richard Stone & Associates, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TRANSUNION Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : 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 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These are not my accounts.

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: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2023 I went into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Dealer License Number : XXXX I went into dealership to pick up my new vehicle and to trade in my other vehicle went through all the paperwork and numbers and it all looked good. come to find out later after looking at paperwork numbers were changed and moved around to give me a higher payment and in doing so, I also received a higher APR on my auto loan. After reading my loan paperwork and running the numbers I found that the dealership kept {$31000.00} of my {$54000.00} down payment as well as my {$1500.00} Deposit. That being said as you will find in my statement below the dealership has made multiple violations in consumer law and i am requesting that things be made right according to all UCC, USC and CFR codes that have been violated on behalf of me as a consumer. 


As the law of Consumer Credit Transactions states, it is a direct violation of Consumer Law to form a contract without the Sum of all charges which is first violation in my loan as there are undefined charges as in the sum of all charge 's requirement was not met as well as the dealership keeping {$31000.00} in down payment for themselves and not placing on the overall down payment of the vehicle loan. With this being said there are multiple violations according to the Consumer laws in which I as a consumer am supposed to be protected against. That being said per violation of the consumer law I am requesting that I be reimburse the full amount of my down payment as well as {$1000.00} per violation and to keep property as well as my credit be fixed and all or any said delinquent marks be removed and noted.

Company response to consumer: In progress
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: WI
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 2023-12-08
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2023, I received a letter from XXXX XXXX XXXX stating that they were attempting to collect a debt for XXXX XXXX XXXX. Immediately I got scared and started asking questions. I never checked my credit profile before. I did not even know much about credit to begin with. I created an XXXX, Equifax and XXXX account and I started going down the list of items that are on my credit report. I noticed many things that were on my report that I were wrong, so I updated my information. But this account that is on my credit report I have no idea what it is nor where it's from. I did not create this account and did not make this charge. That is when I realized that I am a victim of identity theft. I did not make this charge, nor did I open this account. This is a fraudulent account that I did not authorize. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: AMERICAN EXPRESS COMPANY
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 noticed an account on my credit report from AMEX with account number XXXX. I do not recognize this account. It was fraudulently opened due to identity theft. I promptly disputed this account with the credit bureaus, emphasizing the serious nature of my claim. 
Despite my dispute, the account remains on my credit report. The credit bureaus responded, indicating that the furnisher, AMEX, confirmed its accuracy. I sent a second letter ON XX/XX/23, for reinvestigation & validation. The credit bureaus response on XX/XX/23, indicated that the furnisher confirmed its accuracy. AMEX response dated XX/XX/23, stated their inability to provide the original application bearing my signature, which is a crucial piece of evidence in verifying the account 's legitimacy. 
Given the gravity of my claim and the lack of concrete evidence from American Express, I believe there are substantial grounds for the removal of this account from my credit report. However, the credit bureaus have not adequately addressed my concerns, even though the period for reinvestigation has passed. 
This situation has caused significant distress, exacerbating my existing mental health challenges, and jeopardizing my financial future. I have been proactive in addressing this issue, but the responses from both the credit bureaus and American Express have been insufficient and unsatisfactory. 
I am seeking the CFPB 's assistance in resolving this matter, ensuring the removal of the fraudulent account from my credit report, and holding the responsible parties accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time framespecified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : 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 2023-10-04
Company: EQUIFAX, INC.
State: TX
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed XXXX {$120.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX  Balance Owed : {$8000.00} XXXX XXXX XXXX Balance Owed : {$9.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX  Balance Owed : {$430.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XXXX XXXX Balance Owed : {$24.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} 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 2019-04-05
Company: ID Analytics, Inc.
State: OK
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:
On XX/XX/2019 I received notice that XXXX XXXX had reported my credit score to XXXX XXXX. This score was over 200 points lower than my XXXX credit score. I was notified that XXXX XXXX uses a different measuring matrix than the other three well known credit reporting bureaus. This results in a much lower score being reported. The lower score allows lending institutions to charge a higher interest rate to the consumer. I believe the different measuring matrix is a deliberate attempt to mislead lenders and amounts to defamation of character as well as bank fraud. Prior to XX/XX/2019 I had never heard of XXXX XXXX. 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Ca. XXXX, Phone 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 2023-07-01
Company: Citizens Savings & Loan Corporation, Chattanooga, TN Branch
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I recieved a loan from citizen saving and loan in XXXX Tennessee for around {$2000.00} around the year XXXX. I have had unfortunate circumstances throughout paying this loan but in spite of circumstances I always kept in contact with store to let them know when I will make payments or to Request extension. Due to extensions loan is past maturity but in spite of this there is an VERBAL agreement to make a final payment of {$100.00} and the remaining fees would be waived, never being reported late according to district XXXX XXXX XXXX. The XXXX at the store in XXXX Tn XXXX XXXX ) seems to be prejudice and is very very rude and I believe this is a form of retaliation due to my race. I only have {$100.00} to pay this off XXXX of XXXX and never recieved a 30 day late on my credit report in all of this time having this loan Until now towards the end of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have a auto loan through Wells Fargo that started XX/XX/XXXX. As of XXXX of XXXX my payments stopped reporting to any credit reporting service I can find or XXXX can find. Also as of XXXX of XXXX I can no longer see an active or inactive auto loan with Wells Fargo.

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 2023-07-01
Company: EQUIFAX, INC.
State: HI
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:
Equifax has been charging me a subscription fee for 2 years and I can not access and have been locked out of my account. I can not use equifax and they are committing fraud by taking a fee for a service that is unusable and I can not get it corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Payment status is showing up incorrectly. Payment was made during the company 's system failing. Conformation was sent that payment was received. The company 's system never processed the payment due to the new system having issues, allowing the system to crash repeatedly over a 2 week span.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Impacted by XXXX data breach Credit report shows Hard inquiries from XXXX XXXX XXXX XXXX XXXX Non authorized Old/wrong addresses

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: VYSTAR CREDIT UNION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account for XXXX XXXX  AND VYSTAR CU, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

46.0K

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