BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Ive been disputing accounts, incorrect personal information, and inquiries for over two years with Equifax. Equifax has responded " verified '' to these erroneous accounts that have accumulated on my CONSUMER report over the time. Also, during these times I've had a fraud alert on my account and still Equifax has " VERIFIED '' that the said debt is mine. 

Equifax has failed me as a CONSUMER by not only verifying erroneous accounts, they also VERIFIED THE INACCURACIES AS WELL. 

EQUIFAX HAS BEEN REPORTING THESE ACCOUNTS OUT OF COMPLIANCE WITH THERE OWN REGULATIONS! 

PLEASE SEE ATTACHED DOCUMENT! 

( I HAVE MY THUMB PRINT WITH THE LETTER ALONG WITH SUPPORTING DOCUMENTS AS PROOF OF ME BEING A REAL PERSON, NOT A COMPUTER, OR AGENCY ) NO EXCUSES!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Reached out to chase at the beginning of covid to discuss my financial hardship due to covid-19. They agreed to defer my payments, however Chase reported negatively as a late payment after going into agreement. My credit score has now dropped because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The card was stolen around the end of year 2020 and I was not aware of that the card was gone. then I came to notice that it was used by someone else without my knowledge. it happened for a quite sometime. then I came to know the situation. I closed the account immediately. Pls understand this unforeseen circumstances. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

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 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 2023-02-11
Company: EQUIFAX, 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 is not being sent in error. I am a consumer by law. Inaccurate information is being reported on my credit report causing me a lot of sleepness nights. I am requesting damages for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: ALLY FINANCIAL INC.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
If it were possible to give ZERO stars I would. Ally is the worst place to have a auto loan with. They are unreliable, untrustworthy, and have zero communication. First- Ally canceled my automatic payments on my car and then told my lawyer that my car was paid off. Which I knew was not the case. Anyways after that got resolved they said we owed late fees ( which is crazy since we couldn't get into the account because of something they did without our permission on their end ). So the car loan re-appeared. Which is fine because we still owned on it. For those 4 months that the account " disappeared '' they said we owed them late fees. Either way. The car is NOW paid off and has been since XX/XX/2019. They refuse to give us the title to my car because they are trying to charge us those late fees still even though the account has been closed out so we can even see what late fees that are referring too since it was them that made our account disappear for that period of time. We have been trying to contact them literally 100 times since XX/XX/2019. We have been transferred to all kinds of " Management '' if you want to call them that, with no response. They refuse to do anything to solve the problem. To make matters worse. They have a man named XXXX XXXX call every morning threatening us about the late fees. That we shouldn't even owe. Then XXXX XXXX hangs up on you every time you ask to speak with a manager. Now the so called managers name XXXX XXXX and XXXX XXXX refuse to call back or take any calls to resolve this matter. Also after looking over the contact that they send us it shows that they are in breach of contract due to the fact that they did not follow their own rules that states late payments would be added as more to your bill at every month or that the final amount would be taken out as a lower amount at the end of your lease. Which did happen, we made the final lesser payment which means it should be paid off. ( I have attached a picture below ). Now that the car is paid off, we have no access to the account and have to go off of the XXXX that they are saying. Again we have been dealing with this for almost a year now. This company is a joke! I wouldn't recommend to my worst enemy. I would rather pay more money and go with a good company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: FinCo Services Inc DBA Current
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX XXXX I requested to close my account after not being able to log in after my XXXX vacation. I requested account closure and for my remaining balance which is my savings of {$10000.00} to be sent out via check. The bank responded that my remaining funds will be sent to the state of Indiana the source of the funds. Ive had my saving sitting for a year while my other funds were shifted through my checking with no problem I dont understand whos the source other than myself. I was also sent an account article and upon reading the article they legally have to send any remaining balance to the address on file so Ive been waiting for my money and its been almost a month and now the support team has not responded since that was stated XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these ERRONEOUS ACCOUNTS from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any accounts listed listed below. Once again HERE ARE THE LIST OF ACCOUNTS THAT I WANTED TO REMOVE! 

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 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 2019-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
My Quick Silver Capital one Credit Card Account that I have had for almost 2 years was closed by capital one and adversely affected my credit score. 

The account has never had a late payment and has been paid off in full multiple times throughout the time I had it. 

I recently had to switch bank accounts and the account I added to pay the bill had sufficient money in the account and I have no idea why the payment was returned. Capital one said there was insufficient funds which is not true. 

I contacted the bank and they said they never had any kind of electronic payment go through but the account information that I gave Capital One was correct. 

I do not feel my account in good standing should have been shut down and credit history ruined because of a returned check that was to a correct account number and that had the funds to make good on the payment. 

1-2 returned payment in a year does not erase a lot more payments that were good and on time. Please reverse this closing to my account that has been paid on frequently with correct bank accounts. 

I will include bank statements from the bank account number that was added to the account and verify that the accounts were good and in good standing. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I did not file bankruptcy in Texas because I live in Virginia, I disputed TransUnion, XXXX, and XXXX  by submitting my husband 's military PCS orders, proof of residency since 2010, driver 's license, a letter from Texas court stating they did not give any of the credit agencies any documents that bankruptcy was filed, and a letter from XXXX XXXX stating that they investigated this with Texas court and did not find proof of a filed bankruptcy. I also file a FTC report with little assistance or feedback of removing the bankruptcy from the credit agencies.

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, DEPT OF ED/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years.

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

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 2021-02-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
on Thursday, XX/XX/XXXX, XXXX Chase Bank Reposed my Car with Absolutely no intentions of returning the Vehicle to me. I made calls to Chase Redemption Dept. on XX/XX/XXXX & XXXX, but unbeknownst to me, they had already put a letter in the mail dated XX/XX/2021 Stating of their intensions to Sell the Vehicle ( on Sunday XX/XX/2021 ) .In spite of me speaking to a supervisor and stating that I had asked for help since my job as a XXXX had stopped because of another COVID19 outbreak ( happened upon XXXX opening ). I told this information to the supervisor ( XXXX Is his ID # ) That I would like to have the opportunity to catch up the balance and become current on my payments. He was constantly saying that i didn't honor the contract and that i could not get the car back. I followed up with the Chase Corporate office and was given a case # and worker, Ms. XXXX XXXX. I spoke with her on XX/XX/XXXX and finally on XX/XX/2021, only for her to echo the same words of the Redemption Dept. But, she also stated that they said I had a lot of return payments in the Automated system ( which i don't believe is my fault-if I said that I didn't have the monies, And also said that i needed help with my payments ) .And why would CHASE Constantly attempt to get payments through the AUTOMATED System when I clearly stated that i DIDN'T have the monies? She simply told me what was already stated. So I told her that because of this National Emergency ( because of the Pandemic ) it would seem like Chase ( Auto ) Bank would be in the business of trying to work with their clients in these special times And Not stealing their customers Cars ( Only to turn around and Re-sale the Car again ). I asked her to put our conversation in writing, but she said that she'd have to find out if she could do this. I believe that CHASE AUTO has treated me unfairly ( Esp. during these Hard times ) And they could've given me the Option to become Current, But they Chose to be bullies and Straight up SHYSTERS!!! Please help me with this issue as I believe that this company is doing this very same thing to Other customers and maybe a CLASS ACTION LAWSUIT Needs to happen for them to stop this Unscrupulous act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TD Bank failed to notify me of the change in payment, failed to apply my automatic payment properly to my monthly charge, failed to adjust the payment amount despite the money being in the linked account. I moved all of my banking relationship over to TD Bank and configured my automatic payment drafting to ensure that this would never occur. My payments were not applied, and I had to call in and speak to someone who was able to reverse the fee, properly apply the payment, and get my account into the good standing that it should have been from the beginning of the issue. 

I paid {$6700.00} on XX/XX/XXXX, and again on XX/XX/XXXX via my automatic draft that was set up to pay my mortgage amount. I was never notified of the change, or of the fact that the amount was not correct. The second payment of {$6700.00} would have resolved the initial short amount, by which time I received a notification from my credit monitoring that a late payment was received. At this point, I immediately called TD bank, who saw the issue, reversed the fee, and adjusted my payments properly. The individual that I spoke with told me to just fill out a dispute form and the credit mark would be removed from my credit report, however I just received the result back and the dispute was declined. I want this dispute overturned, and the mark removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello I want to report paypal for permanently limiting my account that i used for only 1 transaction. There is a balance of XXXX usdt and i can not withdraw it. Pls help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My name is XXXX XXXX. I do not have my account number. I opened an account with synchrony bank for their amazon store card. Ever since I have made payments at least double the amount I was supposed to. For example the typical payment due was XXXX $ I payed at least XXXX $ each month. The account was closed in XXXX but I have continued to make payments each month of at least XXXX XXXX The balance has stayed the same at XXXX $ no matter how much I pay, I just found out I was changed around % 2 of the balance each month as insurance. The only way to opt out of it was to mail back a piece of paper back in XXXX. I do not think this is fair. In two years I have payed over XXXX $ for a XXXX $ balance.

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 2022-02-22
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit acceptance has placed an inaccurate late payment on my credit profile for my auto loan for the month of XX/XX/XXXX. My payment due dates are the XXXX of every month and my payment was made in full on XX/XX/XXXX. I called and spoke with a rep over the phone and she confirmed that the payment was made on time and was not sure why a late payment was on my account and she instructed me to write the " Credit reporting department '' who handles these issues. On XX/XX/XXXX, I wrote them a letter and they responded weeks later that the account is " accurate '' and they are not going to update my account. I have proof that my auto load for that month was in fact paid on time from my receipt of payment made on XX/XX/XXXX. This inaccurate reporting is affecting my credit profile and score and I need credit acceptance to rectify this info and update it correctly immediately upon receipt of this notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
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:
AS OF XX/XX/XXXX I HAVE NOTICED THIS FRAUD ACCOUNT ON MY CREDIT REPORT.INVESTIGATE FRAUD ACCOUNT AND DELETE! 
ACCOUNT NAME- XXXX XXXX XXXX DATE OPENED- XXXX STATUS UPDATED- XXXX ACCOUNT # XXXX LAST PAYMENT DATE- XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUNDS FOR REMOVAL OF THIS ACCOUNT " FAIR CARES ACT '' 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 accounts that I want validated according to my rights and I have accounts that are non compliant that need to be deleted because there is no name of the creditor on them and accounts that say charge and or late which are not true

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