BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-09
Company: JPMORGAN CHASE & CO.
State: WA
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:
XX/XX/XXXX My information was used, did not allow my information to be shared, theres no open account XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX My information was used, did not allow my information to be shared, theres no open account XX/XX/XXXX Jpmcb My information was used, did not allow my information to be shared, theres no open account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was working in Illinois and someone was getting money from my account in XXXX Alabama they overdraft my account I complained twice and nothing was done about it and I was hit with numerous late fees and then they closed my account

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 2020-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently looked over my credit report and I noticed some inaccurate accounts that are reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of those accounts. I also have no understanding of how or who could have access to my credit. Now because of this issue, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have these derogatory accounts removed from my credit file.

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 2021-09-20
Company: EQUIFAX, INC.
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I contacted XXXX in regards to two 30 day late payments that were reported on my credit report. I was, in fact not 30 days late. I received a form letter from XXXX that indicated that they ( XXXX ) report any payment made after the 29th day - which the letter continues to state is the " industry standard ''. I have tried to no avail to get this information corrected, when in fact the payments posted prior to the 31st day. I have submitted disputes through the credit bureau and company directly to no avail. 

I also pulled the contract that I signed and the previous statements. At no time does XXXX indicate or disclose that or notify any customer that they report any payment made after 30 days which in their opinion is industry standards. 

I need assistance to obtain resolution.

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 2020-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently learned that my personal information was used to open an accounts. I did not open or authorize this account, and I therefore request that it be closed immediately. I am a victim of identity theft, and did not make the charge [ s ]. I am requesting that the items be blocked to correct my credit report. TRANSUNION DO NOT WANT TO REMOVE THEM I GAVE TRANSUNION A XXXX POLICE REPORT AND TRANSUNION STILL DON'T REMOVE THEM. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Opened : XX/XX/XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Opened : XX/XX/XXXX {$1200.00} XXXX / XXXX Opened : XX/XX/XXXX {$9100.00} XXXX XXXX XXXX   Opened : XX/XX/XXXX {$1200.00} XXXX XXXX XXXX. XXXX  XXXX XXXX, OR XXXX XXXX Opened : XX/XX/XXXX {$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 2019-10-07
Company: Experian Information Solutions Inc.
State: TX
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:
Thecreditbureausarereportinginaccurate/outdated/incompletepersonalinformation.

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 2017-07-12
Company: EQUIFAX, INC.
State: IL
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:
I submitted a dispute to Equifax on  XXXX / XXXX / 17 . My fax was confirmed as successful. I logged in to check the status on  XXXX / XXXX / 17 , and their website is stating that they completed the results, but the results were listed as N/A. In the past 6 months I have gone back and forth with Equifax on reporting addresses I do not live at, and have never received a piece of mail at. They refuse to remove the address. Also, I am disputing Inquiries made under my name that I did not authorize, and they refuse to supply me with proof that I made the inquiry and refuses to remove the inquiries from my credit report. I provided information that in the month of  XXXX   2017  I was in  XXXX  &  XXXX  and my credit card information was stolen resulting in some of the inquiries. Not only have not investigated anything, but their website is stating that they complete the investigation, but provided NO results to me. I am so tired, and I am so frustrated with them. They have items on my credit report but are n't providing me any data that states how they are " verifying '' the accounts belong to me. This is stressful!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear Sir/Madam : I originally went to a dentist to get work done. They stated I could finance the amount it would cost. Ally Lending sent me the agreement which in essence stated that if I paid the amount in full within 6 months, there would be no interest. 

Pursuant to the original agreement, this debt was completely paid off prior to the 6 months ( From XX/XX/2021 to XX/XX/2021, and therefore, should not only have zero interest. However, Ally will not remove interest and has even charged a late fee. While the amount they claim owed is around {$150.00} and could be considered a nuisance amount, I will not pay what I do not owe. I have sent statements and letters to the company. They ignore everything. They email, mail, call, etc. for this amount. It seems they lure the customer into their 'no interest ' agreement and then they do not abide by it and attempt to get an amount afterwards they think people will not fight. 

If they do this to enough people, they will likely and have likely made millions of dollars which they are not owed. I'm an attorney, and therefore, will not be intimidated by their tactics. However, others will and this must stop. It is fraudulent and deceptive. 

Their own initial documents have an entire section on " I have an Interest Promotion ''. This was the only reason I financed this amount through Ally. I have paid everything by XX/XX/2021, before Promotion Period i.e. XX/XX/2021. 

Therefore, the current bill that Ally keeps trying to collect needs to be credited in its entirety and I have asked for written confirmation. I have also informed Ally that If any of this is reported to any credit bureau, I will immediately dispute and contact both the XXXX XXXX XXXX and the appropriate California governmental agency for fraudulently advertising there will be no interest should the debt be paid off and then proceed to charge interest and a late fee. 

I sent same letter on your above address on XX/XX/2021 giving all facts and documents but in spite of that I am still getting reminders and alerts from yAlly, but to no avail. 

The bottom line : A. Ally lures customers in with no interest loans if paid off in 6 months ; B. Even if paid off in 6 months, they accrue interest and penalties ; C. Ally goes after customer in multiple ways to try to collect a debt that is not due. 

Regards, 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 explanation
Consumer complaint received 2017-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for a capital one platinum card as referred by XXXX XXXX on XXXX XXXX, 2017 and was approved for a credit limit of {$3000.00}. I was sent a card and upon trying to activate was told it was restricted and was sent to the fraud department. I was told I needed to verify my identity and was sent a link to my email to upload 3 documents which included : my driver license, my social security card and a bank statement with my current address. 2 days later I was called by a rep from Capital one who said that they received my documents but my account had already been closed and cant be reopened. They wont explain who and why my account was closed. It is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: CURO Intermediate Holdings
State: TX
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:
Back 2013 it was said that l had a payday loan which is incorrect. Tried to contact company and was told to get police report.. Did n't work because l need some type of paperwork.only thing they 'll give me is what loan amount was..that 's it no other proof..have n't received any call backs from company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Experian Information Solutions Inc.
State: NV
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:
To Whom it may Concern, I have attempted multiple time to remove negative marks and the balance posting on my account with Experian, XXXX and XXXX. XXXX XXXX has not been responsive to my complaints so I need the credit reporting agencies to fix the inaccuracies based on my supporting documentation. 

Experian, XXXX and XXXX was contacted multiple times in XX/XX/2020 to the current date through a credit repair agency regarding XXXX XXXX false reporting on my credit. I have documents showing the inaccurate reporting and ask that these negative marks be removed due based on The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

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 2019-02-21
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:
This letter is a formal complaint that Equifax is reporting inaccurate credit information on my credit profile after I have submitted numerous disputes via mail, phone and online and provided documentation proving the information is inaccurate. I am very distressed that Equifax has continued to include inaccurate information regarding XXXX XXXX on my credit profile due to its damaging effects on my good credit standing. I am sure they are doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle when applying for a home loan.XXXX  XXXX XXXX is Auto Loan opened in XX/XX/XXXX the car was deemed a total loss and covered by GAP insurance. You are reporting on a payment on XX/XX/XXXX and also on XX/XX/XXXX the account was charged off which is incorrect. The account was charged off on XX/XX/XXXX. There has never been a payment made on this account since XX/XX/XXXX. With the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed or updated correctly ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Account Number : XXXX Also they are continuing to report an account from XXXX XXXX XXXX that the creditor deleted and reported to Equifax on XX/XX/XXXX. The online dispute service they provide on-line rarely works.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20
Company: Lending Club Corp
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
The alleged debt was paid in full in accordance to the law 16 CFR 433.1-3. The promissory note was my negotiable instrument.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Since my student loan accounts have been taken care of by Navient, every time I have tried to get on some sort of repayment plan based on income, they have pushed me towards forbearance or deferment. Because of this my loans have racked up a lot of intrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
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:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/19 I opened a corporate account with Bank of America. Attempted to set up to get eBills, not snail mail, statements & set up AutoPay as with all our other BofA credit card accounts. Although it gives the appearance that one can set it up - it was impossible. In the Help Center there is chat-but it never is available ; there is Secure Message, but you can't send any messages to BofA only receive them ; I called the phone numbers provided and onXX/XX/19 automated system put me on hold for over 3 hours ; on XX/XX/19-on hold for 2 hours17 min ; on XX/XX/19 on hold for 4 hours- with no one picking up ; on XX/XX/19-gave option of returning call " won't loose place in line will call you in 5-12 minutes - after 6 hours no one called ; on XXXX-will call you in12-18 minutes-after 4 hours no one called ; on XX/XX/19-6-14 minutes will call - after 5 hours no one called. Finally on XX/XX/19- got XXXX- transferred me 3 different times - 1hour 41 minutes later got another person WHO THEN SENT ME BACK TO THE FIRST DEPARTMENT WHO SAID I NEEDED TO SPEAK WITH THE DEPARTMENT THAT SENT BE BACK.

THIS IS UNACCEPTABLE. Later, I called again & after on hold for 38 minutes got XXXX  who told me I had to call another number thats not listed online or on statement. Called XXXX - spoke with XXXX, XXXX, XXXX, XXXX, XXXX, & finally XXXX. XXXX spoke with a supervisor who finally fixed a " glitch '' with setting up eBills that I was told needs to be set up before auto pay can be set up. That was on XXXX - She told me that it would take 48 hours and then I could set up auto pay. After 6 days, it still did not work. On XXXX, after waiting 30 minutes on hold, spoke with XXXX in Delaware who made notes and said he was transferring me to the department that is handling it. He then transferred me to XXXX  in the WRONG DEPARTMENT. Called back, spoke with XXXX who said would stay on line with me till the right department picked up, but she put me on hold and after 45 minutes she still did not come back.

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 2019-06-11
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2019 my credit card account was hacked by an impostor. He/she changed the account address, added another authorized signer and redeemed about {$800.00} worth of reward points into cash and wired it to a checking account. 

I found out about this XX/XX/XXXX. Matters were straightened out except for filing a police report. The people at TDcardservices said the police department should fax to them in their official letterhead what information they required to fax # XXXX XXXX XXXX Today XX/XX/XXXX, at substantial inconvenience, I went physically to the XXXX, Florida police headquarters which is were I had been told theft reports are to be filed. According to the Police I should obtain from TDCardservices an incident report and give it to the Police. I explained to them what TDcardservices said. It didn't matter ; they will not fax anyone anything I am caught between the two. No one seems to be concerned about catching the perpetrator, and I am missing an official, valuable record of what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2.00}

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 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of 2019 I paid a vehicle off. XXXX XXXX dealers service told me that the account is paid off. I have put in numerous disputes with TransUnion explaining that the car was paid off but they still have the account open and says I owe XXXX on the loan. Always say the debt is mine and will not be removed from my credit report. My score has dropped tremendously due to the debt I owe. Please help I am raising my XXXX grandchildren and I have been working on my credit to possibly purchase a home near there school. Thank you for your time and assistance with this matter. I hope to hear from you soon. Have a great day. 
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 explanation