BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-26
Company: Experian Information Solutions Inc.
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 many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX  XX/XX/XXXX {$36.00} XXXX XXXX XX/XX/XXXX {$160.00}

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 non-monetary relief
Consumer complaint received 2018-05-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
OBTAINED AUTO LOAN FOR A NEW XXXX THUR XXXX XXXX XXXX. PAYMENTS WERE MADE ON TIME. AN ATTEMPT TO REMOVE THE BANK ( TITLE FRAUD ) WAS TRIED AND FAILED. UNKNOWN OF ANY INFORMATION ON WHO WHAT WHERE. XXXX  XXXX XXXX CLOSED THE LOAN ON ME EVEN THO IT WAS IN GOOD STANDING AND IS NOW RUINING MY CREDIT. I AM NOT RESPONSIBLE FOR ANOTHER PERSONS ACTIONS AND SHOULD NOT BE LIABLE FOR THIS ACCOUNT SINCE I WAS LIVING UP TO MY END OF THE AGREEMENT. I VOLUNTARILY RELINQUISHED THE VEHICLE YET THE BANK IS STILL CHARGING ME FOR REPOSSESSION,

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 2023-01-25
Company: EQUIFAX, INC.
State: CT
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: NV
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:
First I want to thank Equifax for respecting my privacy, and removing items that violated my privacy. I would greatly appreciate if you remove accounts associated with my bankruptcy. I would like as well to go over my credit score. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXXRAYMOUR & FLANIG account number XXXX This account is not my account I have already applied for a dispute, but it has not been accepted. 

It was also XX/XX/2020 that I first recognized. The first dispute is XX/XX/2020 Currently, I filed a dispute with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19
Company: EdFinancial Services
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
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 not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$50.00} 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 2020-09-03
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received a letter from Transworld Systems indicating they have collection on me, I tried sending a fax but they claim they didn't receive it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account numbers XXXX. ( Please see pages 3 and 4 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. 

Equifax and XXXX  are reporting incorrectly that I am 60 days  past due on the NEIGHBORS - partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. However, this too is coded as if I am currently past due in present day. This incorrect reporting is harming my credit scores. Keep in mind that is is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Ever since Transunion added incorrect employers on my credit report per Score sense. Upon farther research this names and address and employers does not belong to me at this moment in time. I have only 1 address and 1 name I do not have any aliases, and only one Employer what these Credit Reporting Agencies are doing is criminal in itself. Because by receptively and despitefully continuing to criminally behave like this what this Credit Bureaus are doing is that they criminally putting my reputation on the line, even after multiple attempts on my part to contact them for them please update my name as it clearly shows on my Government issued Docs and for them to please remove and aliases because I never had any aliases and to please remove any old addresses of my credit reports. Since I have been a victim of identify theft in the past I am extremely afraid of falling victim of identity theft again lost the identify theft filings documents in a fire that completely ravaged our house years ago, because our family house had caught on fire so I lost all the documents that I had. Notwithstanding these Credit Reporting Agencies have completely ignored my multiple Request to them to please fix these major issues that are constantly showing my credit report profile on the contrary these agencies are frivolously subjecting my credit profile to fraud. According to the FCRA, ( Credit Reporting Agency Names are violating my rights as a consumer and I'm requesting legal action to remove these names and addresses employer immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: National Credit Adjusters, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I paid XXXX XXXX a sum of {$560.00} to settle my debt with National Credit Adjusters ( NCA ) I was told in the letter received that the account status is now closed. Months later the account still shows open. I contacted both XXXX  XXXX  and NCA regards to this but no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Bridgecrest Acceptance Corporation
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I entered into an agreement for a car loan with XXXX on XX/XX/15. The loan was for 60 months at interest rate of XXXX for a total amount of {$35000.00}. After 2 months the loan was sold to Bridgecrest, which I believe is the same company as XXXX based on the telephone numbers I called to make payments. During the course of the loan there was a repossession which was cured but the money paid to cure the repo was not reported on my payment history. There were late payments on the account which were charged {$50.00} per my contract for each month the payment was paid late. They did put 7 monthly payments at the end of the loan which would have made the loan a 67 month loan to payoff. I continued to make payments and realized that I'd made 72 payments. I called Bridgecrest to speak with someone but I kept getting the run around. I sent 2 letters asking for why the loan wasn't paid off yet since I'd made 72 payments on a 60 month loan. Even if they added the 7 extra months it still should be finished. I continued calling and finally stopped paying the loan until I get an answer about this.

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 2023-09-15
Company: WASHINGTON FEDERAL BANK
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My accouny was closed and wafd bank sent me a check with my funds on it and then stop paymented the check and never told me and refused to honor the check they wrote to me,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Atlanticus Services Corporation
State: CA
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:
In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26
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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting an incorrect coding of the XXXX/XXXX  - account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see page 9 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: SYNCHRONY FINANCIAL
State: MN
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:
The account was settled for less than full amount with a 3rd party however the original creditor is reporting the account charged off and not settled in full SYNCB/CARE CREDIT IS THE ORIGINAL CREDITOR. 
THE DEBT WAS SOLD TO XXXX XXXX  AND I SETTLED WITH THEM. THE LETTER IS ATTACHED.

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 2021-04-07
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:
Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave Equifax any written consent to report anything on my credit report. No consent is IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: JPMORGAN CHASE & CO.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX, Chief Executive Officer JP Morgan Chase Cooperate Offices XXXX XXXX XXXXXXXX XXXX XXXX New York XXXX XX/XX/2021 Mr. XXXX, I am writing to you in hopes that you will be able to assist me in a fraud matter that took place on XX/XX/2021 with JP Morgan Chase Bank. On XX/XX/2021 at approximately XXXX, I received a call on my cellular phone from Chase Bank Fraud Protection Services . The person calling identified himself as XXXX XXXX, an employee of Chase Bank Fraud Protection. He informed me that Chase Bank had recognized someone in California by the name of XXXX XXXX was trying to remove/transfer {$5000.00} from my business account. He asked if this was an authorized transfer. The Chase employee was able to verify all my personal banking information. I responded to him that I was not trying to transfer this money. He went on the explain that in order to stop the transaction in progress I would need to XXXX the {$5000.00} from my business account into my personal checking account. During the process, the identified Chase employee sent me text messages with verification code. He told me the codes were used to verify my identity and help expedite the fraud prevention process. 
After I had completed all the steps he asked me to do and the phone call ended, I noticed the money was not deposited in my personal checking account. 
Once I realized that this had been a scam, I immediately called Chase Bank claims department on XX/XX/2021 at approximately XXXX. EST. I explained exactly what had occurred and told the Chase employee I could send them all the necessary text messages. I was told an investigation would be opened to further look into the matter and the {$500000.00} was temporarily placed back into my business account. 
After 6 days or so, Chase Bank informed me that my claim was denied because the money was sent to myself using XXXX. They further explain the justification of the denial was that I had used XXXX prior to this to send money to myself.

I requested at that time for the investigation not to be closed and to look further into this situation. Chase Bank declined by request and said the money was gone. I have been with Chase Bank for several years and the poor customer service and lack of an investigation is very discouraging. I have 2 accounts and any money transferred was always between those 2 accounts.

I have several supporting documents including, call logs, text messages and a police report. I am asking that this matter be re-investigated so that I can receive my funds back and whoever is responsible for this scam will be caught.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: JPMORGAN CHASE & CO.
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase Bank has a promotional offer called " My Chase Plan '' which allows you to pay off large purchase over a period of time at 0 % APR. After making a substantial purchase ( {$3400.00} ) which posted to my account, I clicked on the create a plan tab on the website for my Chase account which directed me to the " start a plan '' option. When I wanted to start a plan, it did not show that purchase as being eligible. Per their guidelines of current purchase being over {$100.00}, it should have been eligible. After several messages back and forth with Chase 's credit card specialists, none of them could tell me specifically why that purchase was ineligible, furthermore there is nothing stating pre-purchase which may or may not be eligible until after you made the actual purchase. The fact that they could not tell me exactly why the purchase was ineligible other than " the purchase can be ineligible for various reasons '' and that the " My Chase Plan '' was clearly available to me since the click to start a plan was an option on the Chase website for my account is purely a bait and switch scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: American Credit Acceptance, LLC
State: WA
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX, Inquired on XX/XX/2019. 
AMERICAN CREDIT ACCEPT, Inquired on XX/XX/2019. 
XXXX  XXXX  XXXX  XXXX, Inquired on XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
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:
On XX/XX/XXXX I submitted a dispute for XXXX credit card reporting amount {$1600.00} for reporting different date of last activity from the other credit bureaus which is not accurate reporting. Experian is also allowing this account to report and active payment history and it is incorrectly impacting date of last activity. it has been reporting XXXX  for the past 3 years when is was charged off in XX/XX/XXXX how ever up until XX/XX/XXXX. To my understanding a charge off account should not include an active payment history. 

The response from Experian came back on XX/XX/XXXX and the results were the company that reported the information has Certified to Experian that the information is accurate. How can it be accurate when i submitted proof that the account is in fact reporting inaccurate and not FCRA compliant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Grain Technology, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have tried making multiple monthly payments on my credit line with Grain and also tried to pay the Service Charge they are requiring me to pay to even withdraw from my credit line and their website or app will not submit the payment. Ive reached out to customer service via email XXXX times in the past 2 months to get the issue resolved and they keep telling me its a banking connection issue. It takes 4 or 5 days for someone to even respond to my email, and even then its just a generic response, you cant call anyone, you cant chat with anyone and you cant get any issues resolved but they are saying Im still responsible for making the minimum payment or reflects negatively on my credit report. How can I make a payment if their app wont let me? How can a company that offers lending not have a customer service option you can talk to? My account has been set up on auto pay since I opened the account and yet they have not auto deducted the payment this month but customer service says Im still responsible for getting the payment made. The CFPB needs to step in with this company and file a class action and sanctions against grain for taking advantage of the people and not giving them reasonable options to contact support and get issues resolved and make timely payments. Please help

Company response to consumer: Closed with explanation