BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have been having a problem with Bank of America since I filed Bankruptcy in XX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. Before, during and after Bank of America continued to auto draft my checking account for payment. I understand the the bank touching my checking account while bankruptcy is in process that is illegal. Did not matter to Bank of America. 
I have previously filed a complaint against BOA for not reporting on my credit files. Anyway I pulled my annual credit report on XX/XX/XXXX to see that BOA has been reporting this car note as derogatory and that it was charged off in bankruptcy, not true. I had the vehicle in this matter until XX/XX/XXXX when I traded it in to get a more economical vehicle. At that time BOA was paid in full by XXXX XXXX. I received a letter from BOA stating my loan was paid in full XX/XX/XXXX. This is correct, however they did not do any reporting to credit agencies to reflect this. 
I received a letter from BOA XX/XX/XXXX after I called to complain and it stated their credit reporting was accurate.After receiving that letter I went to BOA with, the paid in full letter, my bankruptcy report and the credit report showing them their error. I knew the local branch did not have the power to resolve this but they could get the information heading in the correct direction. 
For the last 6 years my credit report has shown this negative entry, which has hindered my ability to get credit. 
I feel BOA thinks they are above the law as they took funds from my account during the bankruptcy process. The amount is over {$1700.00} they were not supposed to get. 
The Bankruptcy Judge did not re-affirm the vehicle due to my income but the vehicle stayed in my possession until I traded it in XX/XX/XXXX. 
I can not get them to understand this information is incorrect and can not get it corrected without help. 

I have supporting documentation for this complaint which will prove undeniably they are at fault. I do not know where else to turn.

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 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY AND IT HAS RUINED MY LIFE. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY PROFILE.

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 2020-04-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I went into the Chase bank at XXXX XXXX branch XXXX IL in XX/XX/XXXX and spoke with a banker and showed the receipt of my CD I opened in XX/XX/XXXX, for XXXX XXXX. The banker stated they did not have a record of the account being opened or closed even with me showing the receipt from the bank with all the information printed. 

The banker informed me to call the 800 number of Chase corp and the individual stated the same information that he stated. Then I called the number they provided to make a complaint and received the forms from your business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Last year i was paying {$150.00} dollars. This year I received a letter saying that I owed XXXX..I called fedloan and iinquired about the loan and they were not helping me so. I called the Department of education ask if they would change my loan handling service because l Was not please with Fedloan service. After few days i tried calling Fedloan Service again. I think the young lady name was XXXX that talked with. She was really nice and she informed me that my loan was reduced to {$320.00} dollars ahe also told the I had made 28 payments towards my public service forgiveness loan. Today I received a letter and the statement looked like i have not paid anything. It also stated that the final payment is in 2027 which would be Ten more years. My XXXX XXXX is up and i am now stress out. Could someone please help me and give me a new loan service before this one put in hospital and i want be able to Pay anything. I have always tried to pay my loans off and on time. Your help would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME, PLEASE INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FOR THEY HAVE TARNISHED MY CREDIT FILE AND NAME. THESE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have noticed over the past few months between XX/XX/2018 to present that there were accounts being added to my personal file that do not belong to me through monitoring service. As this account PLUSFOUR INC has appeared on my file on multiple occasions totaling {$200.00} through individual accounts listed under the same company PLUSFOUR INC. I am a victim of identity theft on multiple accounts as it has been reported and currently being investigated. Ive reached out to this company multiple times regarding this matter and have reported this account as identity theft.

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 2022-02-08
Company: Experian Information Solutions Inc.
State: AL
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 A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY AND IT HAS RUINED MY LIFE. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY PROFILE.

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 2022-02-08
Company: Experian Information Solutions Inc.
State: TN
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 been attempting to dispute this bankruptcy that is reporting on my credit report. I believe the reporting information to be inaccurate so I disputed it directly with Experian and the US Bankruptcy Court in XXXX, TN. The US Bankruptcy Court in Tennessee sent me a letter back stating that no one from their office verified any debt with Experians, by third party, by document entry, recorded transcription, or written requests by validation of name. They only verify what is given on public information given from 3rd parties and that is not proper validation of a debt. I demand that this bankruptcy listed on my Experian report be deleted. Experian lied about their method of validation as verified by the US Bankruptcy Court of Tennessee.

US BKPT CT TN 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 2019-07-31
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My Bank is Wells Fargo since XXXX, My bank is giving me a hard time forward the incorrect information to the credit bureau that I was late in payment twice a time in XX/XX/XXXX and XX/XX/XXXX which is wrong because my account was set up as a direct payment from my Wells Fargo checking account to pay my Wells Fargo credit care. The bank executive office supervisors/managers. From XXXX, XXXX, XXXX, etc. I am struggling from last two months spend a week from XXXX to XXXX pm on phone to resolve the issue. Bank admitted that ; error is on their side. As a result, I am receiving the worst customer services. 
My whole family is suffering because my credit score is badly damaged, we must move ASAP. I am unable to proceed for my rental. Thus, the whole family is homeless.

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 2017-07-26
Company: EQUIFAX, 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:
I disputed these Items several times with Equifax did not compile with the State Attorney General Settlement Agreement and 609 letters. Please note : Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : Equifax has refused and I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd pa rties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: MERCHANTS ADJUSTMENT SERVICE, 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 information incorrect

Complaint:
on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond they stated only once that I authorized a company to release their information. when I requested the proof of that document they refused to send it and stopped responding. there is more than one account with this company. 
my last letter is sent was along the line of This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX XXXX appears to be scamming consumers to collect 26.99 % interest on XXXX store card balances. On my XX/XX/XXXX statement, there were {$260.00} in new purchases, no interest charges, with a total balance of {$550.00}. The rest of the total balance falls under a 0 % financing offer through XX/XX/XXXX. There is no specified minimum payment associated with the 0 % balance. I paid {$270.00}, which is reflected on my XX/XX/XXXX statement. Synchrony arbitrarily decides not to apply {$92.00} of that to pay off the prior month purchases and instead begins charging XXXX interest on it. I call them immediately upon receipt of the statement and they say they will credit back the {$2.00} in interest charged. I told them this is not acceptable as the entire fix, the entire unpaid balance is 0 % until XX/XX/XXXX. I am told customers have to go onto their website and allocate payments. Again, I told them not acceptable, who has time to do that for 20+ bills paid per month? Asked them have a supervisor review my account, make sure this does not happen again, and told them I will make a CFPB complaint if it does. Sure enough, received statement dated XX/XX/XXXX today and the problem is only worse. New purchases of {$140.00} should have been covered by my {$150.00} payment. Instead the unpaid purchases balance is now {$400.00} with {$9.00} interest charged. This type of gross misapplication of payment could quickly cost consumers billions of dollars.

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 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently discovered accounts being reported through my monitoring services that are fraudulent accounts that DO NOT BELONG TO ME and have been reported as identity theft as I have learned that I am a victim of identity theft as this account reporting a debt from XXXX XXXX XXXX ( XXXX XXXX XXXX ) totaling {$370.00} that does not belong to me and is and has been reported and currently being investigated.

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 2022-02-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2022 Is the date I filed the claim with chase bank for unauthorized atm withdrawal of {$2000.00}, I was supposed to receive temporary credit within 4 days, XX/XX/2022 but still have not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: ACS Education Services
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: Information belongs to someone else

Complaint:
ACS/XXXX XXXX XXXX XXXX Date XX/XX/XXXX Amount : XXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX AmountXXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Santander Consumer USA Holdings Inc.
State: NC
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:
Chrysler Refuses to report the true correct up to date accurate information on my credit Report and while doing so has violated many laws including but not limited to the FCRA, Banking law of North Carolina, and UCC- 9-616. 


I Started off by sending my notice of my request for a listed number of documents for Chrysler to mail to me on XX/XX/2019 I also sent out disputes to all 3 credit Bureaus This listed consisted of a number of documents I have a right to as a consumer. This list includes - 1. The complete original alleged promissory note that shows my signature 2. The account transaction history 3. Any required default or acceleration notices 4. The notice of sale document 5. The Calculation of Surplus or Deficiency letter 6. Any additional finance contracts including those related to insurance or finance products 7. The buyers guide 8. The purchase order 9. Any license, bond or registration  document required by the state that allows you to hold or service this alleged promissory note On the XXXX of XXXX Chrysler mailed me The Calculation of Surplus or Deficiency Letter, The Notice of sale document. They did not send me any additional documents related to insurance or Finance products, The Buyers Guide ( XXXX XXXX ), The purchase order, Any License or bond or registration document required by the state that allows them to hold or service this alleged promissory note. 

The Account Transaction that I received from Chrysler Omits 5 Months worth of transaction history with no explanation of why. It shows a Balance and Past due Balance on all bureaus which is a violation but it also shows a balance that is more than {$12000.00} higher on XXXX and a past due balance that is inconsistent with the other 2 bureaus, The dates of last activity are just as inconsistent, and so are the dates of last payments made, 2 of 3 credit bureaus report the wrong credit limit, A monthly payment also reports which is also a violation. 

In my initial contact with chrysler I told them this account was a Retail installment sale contract not an auto loan, they report to the bureaus that the account is indeed an auto loan but yet send me a contract stating that it is true indeed a Retail installment contract but yet it hasn't change on the bureaus or even report that the account is being disputed. 

This is affecting the way my credit is scored and is no way to report the truthful accurate complete data. Below I have Attached more than enough documents to convince you of this blunder on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: U.S. BANCORP
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On Tuesday I closed my card due to fraud. The told me I would have a new card expedited since I was leaving town. And it would be there by Thursday. Gave the address to ship to they did n't change it. Called XXXX to confirm everything was done and it was n't. They changed it said I would get it Thurs and nothing. Calles Thursday said it would be there Friday. Friday morning they say nothing had been shipped and then a different person said it had. Now it 's XXXX on Friday nigjt and nothing. No tracking number no nothing. Cadence bank fraud department is a fraud themselves. Never use them And someone needs to do something about their communication issues and the liea they tell their customers. They claim they will do whatever for the customer but they are all full of shit. This was the entire week of XXXX XXXX.
<P/>
They claim now they will ship one to the beach and a new card has to be made ans I wo n't get it until weds. So now this issue will be going on a week.
<P/>
I will be canceling my card and tell the whole world including all the senators and politicians I have done business with never to use the services.

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 2022-11-21
Company: EQUIFAX, INC.
State: SC
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation