BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-21
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:
XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$5000.00} or reporting ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) The original creditor on this account is XXXX  XXXX  XXXX  XXXX. XXXX sold this account to XXXX  and XXXX  has illegally been charging additional interest on this account. I have attached pages ( 1 ) and ( 2 ) of the Installment Loan Agreement for reference. Please note on page ( 1 ) the annual percentage rate being charged is 197.17 % ; on page ( 2 ) in the Promise to Pay section the interest rate being calculated is 200.00 % per year. First, these interest rates CLEARLY are illegal as they exceed the limit of what California could ever charge on a loan ; Second, this is PREDATORY LENDING to say the least ; and Third, Pursuant to California Assembly Bill 539 - - this Bill ends a decades-long practice of charging borrowers who take out loans between {$2500.00} and {$10000.00} with interest that can exceed 200 percent. The rate will now be capped at the nationally recommended 36 percent, whats considered a compromise between lenders and consumer advocates. This account needs to report a {$0.00} balance. There is no outstanding balance due and nothing to collect and/or chargeoff. It is also a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to update this account however, I have not been successful.

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 2019-03-14
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Today, XX/XX/19, I ordered some items on XXXX for a friend that totalled {$550.00}. Before I placed the order, I checked my XXXX Chase credit card limit, and I only had {$180.00} left, so I wasn't going to order until I could deposit some money and pay down my bill, but on the checkout page, there was an option to break the total amount into 18 equal payment of $ XXXX per month. So I checked the box and placed the order, expecting to see a charge of the first month 's amount. Instead, I was billed the full amount on my XXXX Chase credit card, which removed the last of my remaining credit, and caused me to exceed my credit limit. No doubt, I would have had penalties, but as soon as I saw the charge notification, I called Chase, who tranferred me to XXXX, and I cancelled the order. Chase then assured me that everything was corrected, and was back to the way it was previosly. ( We'll see ) When talking to the Chase person, she said that while they offered 18 months split up into equal, interest free payments, it actually was implemented as 18 months of an interest free loan - which is not the same thing at all. In fact, the person I was talking to at Chase said that she very recently took advantage of the same offer, only to find out that she too was billed for the full amount, to her surprise. 
Being able to pay in 18 installments is not the same as being charged the full amount interest free for 18 months. And how would that work? How would they separate this charge, at zero percent interest rate, from other charges? No doubt, they would find a way to profit from the 'no interest ' loan. 
They could have easily called it an 18 month interest free loan, but chose to make a misleading statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid paid off my full balance that syncb in the amount of XXXX thru there attorney XXXX & XXXX and instead of reporting it as paid in full they report it as settled for less then total due. There was no settlement it was fully paid

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 2021-09-02
Company: EQUIFAX, INC.
State: AR
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:
My Home Equity Loan with XXXX XXXX has been paid off. I recently reach out and provide credit bureaus agencies documents of my Home Equity Loan has been paid off. It should've been reported to all three reporting agencies Equifax Information Services XXXX LLC, XXXX, and XXXX XXXX Document By U.S. Department of Housing and Urban Development indicate Payoff to XXXX XXXX XXXX  XXXX. in the amount {$43000.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
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 have been trying to buy a home so today XX/XX/19 I got my credit ran to see how much I qualified for, however, I was told that I was not eligible for any kind of loan because there were accounts reflecting badly on my credit report. I went through my credit report and none of those accounts are mine. I didn't open any of those accounts and I have never opened any type of account with any of those companies. I'm not sure who these accounts belong to or who could have got a hold of my personal information to open accounts in my name without my permission ; I have already gone to file a police report regarding these unauthorized accounts. I did not benefit anything such as money, goods, services or any other benefit from these accounts nor did I participate in any transactions or payments that were made towards these 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 2021-08-11
Company: Santander Consumer USA Holdings Inc.
State: NJ
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:
Paid vechicle off in full on XX/XX/2021, started calling Santander about 6 weeks after paying it off, was told title was sent out to us via XXXX XXXXXXXX, we never received the title, they said that they didn't include our apartment number so title was sent to motor vehicle, have been calling every few weeks, they connect us to the title department and everyone gives us a different story as to what is going on, talked to manager, XXXX and he was supposed to figure this out for us but still haven't received title and no one has called us back, we tried calling about 2 weeks ago and tried to speak to XXXX but was told I had to speak to someone in the title 's department, no one knows what is going on each time we call and can never get a answer, vechicle was paid off ahead of time and every effort we make to resolve this has not gotten us anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: CITIBANK, N.A.
State: FL
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 received an alert from Citi Bank Credit Cards on XX/XX/XXXX at XXXX am about a potential fraudulent charge at Home Depot for {$520.00}. I immediately called the credit card company and told them I did not make the charge. We also discovered at that time on XX/XX/XXXX that a charge for {$410.00} had been made on XX/XX/XXXX at XXXX XXXX and I informed them that also was not my charge. That this credit card had been in my wallet and I had not left my house in over a month due to covid-19. 
I received an email on XXXX that Citi requested that I contact them about my dispute by XX/XX/XXXX. I called them on XXXX and was disconnected by someone claiming they couldn't hear me. I called again on XXXX and finally got through to someone to see what their question was and they simply asked if the card had been in my possession at the time of the transactions. I told them it had. It had been in my wallet and I have not used in the card in a very long time. 
Today, XX/XX/XXXX, I received a letter from Citi stating that my dispute has been closed and the card 's XXXX chip was used to make the disputed transactions at a chip enabled card reader and I verified the card had been in my possession so I am responsible for the charges. I did not make either of these charges and there are no other copies of my credit card that anyone could have had. The card never left my wallet. I called Citi Bank again today on XX/XX/XXXX and spoke to a representative who told me there is nothing more they can do. I asked if they had asked for video proof with the merchants to show it was not me making the transactions and I was told they would still investigate, but I am responsible for the charges. And, if I pay for these charges and they are successful with getting the money back from the c

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 2023-01-18
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have reach out different occasions to resolve this issue on XX/XX/2022, XX/XX/2022 and XX/XX/2022 on the wrong information that's being reported on credited report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: SYNCHRONY FINANCIAL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX. XXXX Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. XXXX. XXXX Dear Sir or Madam : As of XXXX whats reported on XXXX Report still displays a fraudulent account on my report. Its not on XXXX  or XXXX. I am writing to dispute the following information in my credit report file. I have attached several documents to show the fraudulent alleged accounts claimed that I owe. This account DO NOT EXISTS ON XXXX  NOR XXXX. 
The items I disputed on the attached copy of the report I received.The information on XXXX XXXX XXXX account number XXXX with a balance of {$570.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt.Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

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 2019-11-12
Company: Avant Credit Corporation
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
AVANTCREDIT SOLD THIS DEBT XXXX XXXX   AND ONCE AGAIN REAPPEARS ON MY CREDIT REPORTS. ESPECIALLY, XXXX AND XXXX. SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have contacted Bank of America 7 times and have been lied to every time! 
I WANT MY ATM AUTHORIZATION TURNED ON! 
It is turned off - set to decline transactions if theres not enough funds to pay. 
I HAVE CONTACTED THE BANK AND EVERY TIME IM LIED TO!!

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 2017-09-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have submitted multiple dispute letters in regards to inquiries on my credit report that I did not authorize. I have not received a response or any documentation that can support these inquiries. Credit agency has not removed inquiries in question. I will list them below and am demanding said items removed from report 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had fraudulent activity on my account last night ( someone got into my online banking account and changed my contact information. ) I immediately called my bank and they told me that they froze my card and will monitor my account. This morning someone used my debit card number to steal almost XXXX dollars from me. When I spoke with my bank they said that the card actually wasn't closed until this morning, not last night like they said. I believe that my bank was negligent and is responsible for me having my money stolen because if they closed it when they said they would, this would not have happened. Despite this being a mistake on their part, they were unwilling to work with me and said that I have to wait up to ten days for my money to be returned, meaning I will be late on rent and other bills.

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 2020-05-21
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been part of the Public Service Loan Forgiveness ( PSFL ) Program for several years. On XX/XX/XXXX I uploaded the PSLF Certification form that indicates I have worked for the State of California for the past year and to continue my participation in the program to my federal loan servicer FedLoan. Due to the national health crisis all California State employees are working from home and do not have access to regular work flows. My HR representative and I provided electronic signatures to validate the certification. On XX/XX/XXXX I received correspondence from FedLoan that stated electronic signatures are not valid and only wet signatures will be accepted. This is in direct violation of the U.S. Electronic Signatures in Global and National Commerce ( ESIGN ) Act of 2000 and the Uniform Electronic Transaction Act ( UETA ). With the passage of the ESIGN Act of 2000, electronic signatures became legal in all states and U.S. territories where federal law applies. Electronic Signatures refers to any electronic process that indicates acceptance of an agreement or record. My electronic signature and the HR personnel 's electronic signature that were provided on my PSLF certification fit this definition. Furthermore, they are requesting that I ignore county and federal health recommendations to obtain a wet signature when electronic signatures are valid and legally binding. I wrote to FedLoan on XX/XX/XXXX to explain this and received an email from XXXX at FedLoan stating that only wet signatures were accepted. This is an illegal policy. 
Thank you for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I am the signer of HELOC # XXXX, however both my wife and I own the home for which the loan was taken out on. She is also the responsible party and was effected by the government shut-down as a government employee. We have been  struggling to pay this HELOC during a disaster affecting our area in XXXX ( Hurricane Harvey ), then the principal came due and now a furlough has affected our income. My wife phone quicken to let them know of this and instead of offering to help, this company reported 30 day late notices to the credit bureau. As a result, we can not refinance our mortgage to relieve us from the burden of trying to pay a variable interest rate. A second call was place to quicken and my wife was told they would look at our income, but needed to speak with me first and we would continue to be reported to the credit bureaus. This is not something that would help us, it takes more than an hour to answer their questions and our credit score would suffer if we pay less ... ... when ask about a program that would help and not affect our credit score, the representative said just pay what you owe!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company is trying to collect on a debt that was previously forced to be removed by CFPB. I have not signed any agreements with this company nor do I acknowledge owning any debt to this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23
Company: EQUIFAX, INC.
State: OH
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 tried to use the XXXX site to obtain my reports and none of the companies will allow me to obtain such report online. Called the number to address the problem only to find out they are indicating my first name is not what I know it to be. Tried to address this problem only to find out I can not talk to a live person to get it resolved. Finally called XXXX  and got to talk to a live person named XXXX, on XX/XX/2020 approximately XXXX hours ; he said he could put on a freeze for XXXX  only, said please do this. However, this whole situation is cause for alarm for both my husband and me. My husband has already filed reports with FTC, XXXX, and local police for data and information that is fraudulent on his reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX my DOB is XXXX my SS # XXXX I have been a victim of ID Theft I am trying to get things back to normal however I have a ton of inaccurate addresses on my credit report still. 
My only name is XXXX XXXX XXXX please remove any other variations of my name. My employer is Ohio XXXX XXXX  XXXX. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX. 

Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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