BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: TRUIST FINANCIAL CORPORATION
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My name is XXXX XXXX. I currently have a loan with regional acceptance. I have been receiving at least XXXX calls after hours which I thought was illegal. XX/XX/XXXX at XXXX am ; there were also XXXX calls after XXXX XXXX  which I do not have dates for

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 2023-05-25
Company: PLANET HOME LENDING, LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2023 payment was made on XX/XX/2023 cleared our bank on XX/XX/2023 and returned by mortgage company on XX/XX/2023 with no explanation. Made a phone call to mortgage company on XX/XX/2023 was told on a recorded line that payment status was fine, and did not show returned payment. Paid the XXXX payment again of XX/XX/2023 cleared our bank on XX/XX/2023 and then was returned by mortgage company again on XX/XX/2023. Paid the account again on XX/XX/2023, cleared our bank on XX/XX/2023. XXXX was again returned this morning XX/XX/2023. Called the mortgage company again, and they are claiming it was because of insufficient funds, however our bank is not returning or refusing payment, as plenty of funds are in the account to cover the payment. They are now refusing to take any payment from us for either XXXX and now XXXX, and our online account shows " misplaced funds '' and will not allow us to make any payments on the online system. They reported us as 30 days late back on XX/XX/2023 when the payment isnt even due until the XXXX of the month. This is the second time in 6 months that they have report to the credit bureau 's of us being 30 days late on payments that we were not late on. Mortgage lender has defaulted 4 times in less than a year to pay our insurance out of the escrow funds in a timely manner, which has raised our cost of insurance due to poor payment history. The mortgage company refuses to resolve this matter, and refuses to allow us to speak to a supervisor. Now they have made it impossible to pay anything on the account. Bank statements can be provided, along with a letter from our bank proving that our bank not only did not refuse to honor the payments, but they did honor them, and the mortgage company re-deposited the monies to our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Credit Karma, LLC
State: MO
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: Didn't receive services that were advertised

Complaint:
On or around XXXX I saw a lot of pre approvals on CreditKarma.com. At first I didnt pay it no attention but credit karma kept sending me all sorts of different pre approvals telling me that I was pre approved for credit cards, personal loans and that I could refinance my car everyday I would see these offers EveryTIME I logged into to check my credit scores. So after a few months of being told I was pre approved I thought I was now in the prefect place to apply. I got so many offers through credit karma I started telling my family about vacations and investments we were going to use these pre approvals for. So I applied on or around sometime in XXXX and I got got denied for 2 credit cards and 2 personal loans. I was very confused and distraught. I was anger and I felt deceive. I was marketed for months, Credit karma told me I was pre approved and it was a lie. I was Severely stressed and had bad Migraines I became antisocial. My anxiety went from 0-100. Now Everytime I see pre approvals i get uneasy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  XXXX XXXX Jpmcb bank XXXX Reviewed my credit report and saw that there were inquires on my report that I had no affiliation with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10
Company: General Motors Financial Company, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My maturity date was in XXXX 2017 - In theory, I should be done with the car loan. I want to dispute the amount of {$4800.00} as to what my account states.When I decided to do a deferment I was NOT informed that the amount due at that time will accrued interest daily. I do not feel I owe GM Financial the US {$4800.00}. I do believe I ONLY owe US {$2500.00}. I have reviewed the account history of my payments made to GM Financial and I have paid over an approx. US {$41000.00} and an exception cant be made? I was never informed from any associate that my loan will accrued interest daily, when I decided to do a deferment. I never received any writing explanation on how the processes worked. If I would have been educated by the associate at the time of agreeing to the deferment, I might have reconsider the option at that moment.f. I have called GMF numerous of times, I have also reported them to the BBB. I have called and left messages for the supervisor I have also sent complaints via the GM financial website on various occasion and as of today I have not heard from anyone at GM Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the fair credit report act this creditor ( Capitol One ) has violated my rights under 15usc 1681 section 602 states tha I have a right to privacy. 15usc 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 15usc 1666b states that a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a Chase Freedom Credit Card on XX/XX/22. I waited 30 days for the response on my application. I checked the status of my application my times throughout the 30 days and always was told that it was still processing. I got in touch with a Chase representative during the second week on XXXX, which was about 45 days after my initial application was submitted. I was transferred to 3 three different people and all I wanted to know was the status of my application. I was told on that phone call I would get an email or letter in the mail with a decision with 2 weeks, so by the end of XXXX. I receive no letter of a decision. I called Chase twice on XX/XX/22 and spoke with a representative both times. I want some type of denial in the mail discussing why I was denied or if I was approved. Both representatives said that legally that information should be provided to me. I was transferred to the leading department both times, which was closed for the day. I was advised to reapply and did so on XX/XX/22. I was approved the next day, so Im assuming something went wrong with Chases system in my initial application. I even checked to make sure my address was correct on the Chase app and it was, so I shouldve received a letter. I called Chase again on XX/XX/22 and spoke with a representative. I was told my initial application was out of the system and could no longer be given a letter of decision on my application. I asked to speak to someone about getting the hard inquiry taken off my credit, but was told Chase didnt have the ability to do so. I asked to be transferred to the leading department, and the representative refused and persisted that nothing could be done to help me. Today is XX/XX/22 and I first applied for my Chase Freedom Credit Card on XX/XX/22. I still have received nothing on a decision from Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02
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:
This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payment. You are reported totally different or missing information on my XXXX XXXX XXXX account. I attached copies of my annual credit reports so you can find wrong information.

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 2018-10-09
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
There are two accounts with this bank that are included in a chapter XXXX bankruptcy that has been XXXX. The bankruptcy was under my wife 's name and I was awarded a community discharge as a result. The bank did not show up to the meeting of creditors nor did they respond to the notice with any issues they had. Now that this has been XXXX they are refusing to remove this from my credit report or update the status in any way. They told me on the phone that because of the bankruptcy they would not be able to try and collect the amount due but I was still liable for the account. How can this be? They are not able to take payment for the account but it stays on my credit report forever and there is no way for me to move past it? Per what I was told by my lawyer and also the trustee overseeing the bankruptcy this account should be removed from my credit as of XX/XX/2018. I am submitting this complaint as a last attempt to resolve this matter, my next move will be to re hire my lawyer and move towards more aggressive legal actions. I am asking that both accounts be removed 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 explanation
Consumer complaint received 2019-02-12
Company: ENCORE CAPITAL GROUP INC.
State: GA
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:
On XX/XX/ 2018, The Magistrate Court for XXXX County in the State of Georgia dismissed the lawsuit from Midland Funding in the amount of {$1600.00}. Midland Funding continues to report this account on my XXXX and XXXX credit report although the case was dismissed in court. I have contacted Midland Funding by writing and phone and there has been no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My cousin falsely used my identity and signature to get a lease from an apartment complex. She didnt pay rent for 8 months and did damages to the unit. Now she owes XXXX in collections to the company and my name is on it as well. Ive spoken with the apartment company and got all the documents that they have. She signed the documents electronically due to covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Bridgecrest Acceptance Corporation
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:
I am not sure of the specific dates, but I have reached out to this company on several occasions requesting that they remove the negative/ late payments from my account as my vehicle has been paid off since XXXX of 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: Experian Information Solutions Inc.
State: VA
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:
On all 3 of my credit reports XXXX XXXX reported the credit card was charged off XX/XX/XXXX however that is inaccurate information. The card was charged off fraudulently XX/XX/XXXX. The late fees were refunded because XXXX XXXX know they made a mistake and still forced me to pay for interest for a card that should have been closed XX/XX/XXXX. However They have reported the card charge off date as XX/XX/XXXX which is not true. It was charged off XX/XX/XXXX. 
Since XXXX XXXX had failed to correct inaccurate information on my credit report damaging my credit report I ask the info completely be removed. Also the card in question is involved in a class action law suit against XXXX XXXX. The information by law should be removed until the litigation is completed.

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 2023-04-20
Company: Experian Information Solutions Inc.
State: TN
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:
This is my fourth attempt to let you know that I was a victim of identity theft and that I want to challenge some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block any items in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX TNXXXX XXXX XXXX XXXX XXXX  TN XXXX, XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX : {$10000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2300.00}, XXXX XXXX XXXX*Balance : {$4700.00}, XXXX XXXX Balance : {$0.00}

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 2020-12-18
Company: FinCo Services Inc DBA Current
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I went to the store to buy items. Their machine ent down. They said they couldnt give me items because transaction didnt go thru but it came out of my account. I filed this dispute on XX/XX/2020 and was supposed to get a provisional credit and they have yet to give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Advance America, Cash Advance Centers, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, XX/XX/1970, 84 Stat. 1128. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions 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:
I am writing to submit a formal complaint regarding unauthorized inquiries appearing on my Experian credit report. I request your assistance in addressing this matter and ensuring that these inquiries are promptly removed, as they are in violation of my rights as outlined by the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report on XX/XX/XXXX XXXX and XX/XX/XXXX XXXX, I discovered multiple inquiries from entities with whom I have never engaged in any business or authorized to access my credit information. These unauthorized inquiries have negatively impacted my credit standing and potentially compromised my personal information. As a responsible consumer, I took immediate action to rectify this situation. 

I contacted Experian and requested the removal of these unauthorized inquiries from my credit report. However, despite my repeated efforts and the provision of supporting documentation, Experian has failed to comply with my request. Their refusal to remove these inquiries not only disregards my rights as a consumer but also undermines the integrity of the credit reporting system. 

According to the FCRA, consumers have the right to dispute inaccurate or unauthorized information on their credit reports, including unauthorized inquiries. I have diligently followed the correct procedures and provided Experian with the necessary evidence to support my dispute. Nonetheless, Experian 's inaction and non-compliance have left me frustrated and concerned about the accuracy and reliability of my credit report. 

Therefore, I kindly request the Consumer Financial Protection Bureau 's intervention in this matter. I urge you to investigate Experian 's practices regarding unauthorized inquiries and ensure that they promptly remove these inquiries from my credit report. It is essential to uphold the FCRA 's provisions, protect consumer rights, and maintain the integrity of the credit reporting process. 

I would appreciate regular updates on the progress of the investigation and any actions taken to address this matter. Your commitment to consumer protection and your efforts to uphold fair practices in the credit reporting industry are crucial in resolving this issue effectively. 

Thank you for your prompt attention to this complaint. I look forward to a resolution that safeguards my rights as a consumer and restores the accuracy and reliability of 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 non-monetary relief
Consumer complaint received 2023-08-10
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Police Report # XXXX. XXXX XXXX. USPS case # XXXX. Wells Fargo case # XXXX. An individual I was buying land from on his own LLC sole proprietor company died. XXXX Bill pays come back because he died somebody cashed XXXX out in the middle and the XXXX more come back unpaid and the bank refuses to do any kind of fraud help because I can't prove somebody died.

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 2023-08-10
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I HAVE REQUESTED THE COMPANY SEVERAL TIMES TO SEND ME NECESSARY INFORMATION FOR THE VERIFICATION OF AN ACCOUNT THAT THEY ARE TRYING TO CHARGE ME AND I DO NOT KNOW. AT THE BEGINNING THEY CONTACTED ME BY CALL AND TOLD ME THAT IF I DID NOT PAY THE DEBT I WAS GOING TO APPEAR ON MY CREDIT REPORT WHICH THEY ENDED UP DOING WITHOUT SENDING ME THE INFORMATION THAT I HAD REQUESTED. NOW IN MY THREE CREDIT REPORTS THIS DEBT APPEARS WHICH AS MUCH AS I TRY FOR THEM TO SEND ME INFORMATION THAT VALIDATES THIS DEBT, THEY DON'T DO IT IQ DATA INTERNATIONAL MUST SEND ME ALL THE INFORMATION THAT I HAVE REQUESTED THROUGH LETTERS SENT ON XX/XX/2023 XX/XX/2023 XX/XX/2023

Company response to consumer: Closed with explanation