BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-06
Company: General Motors Financial Company, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$0.00}, {$7100.00}, {$3200.00}, {$10000.00}, {$5600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Every year, if I keep my XXXX XXXX credit card, I am awarded XXXX XXXX XXXX  points. When my annual fee came due, I was deciding whether I wanted to keep the card. So I called in to see if there were any sweeteners and the representative said she would waive the annual fee. Before she did so, I made sure that I was still going to be awarded the points and she said yes. Fast forward 2 months and I realized that I still had not gotten the points. I called in and was told that the points are only when you pay the annual fee which is contrary to what I was told. Additionally I was told that representatives are not supposed to waive the annual fee. That being said, I asked if I could be assessed the annual fee and get the points. I don't want anything for free. But then I was told they couldn't assess the annual fee once it's waived and because the annual fee can't be put on, I'm out of luck on the points. This is frustrating because this is classic bait and switch. I would argue these points : 1. The terms of the card state that the XXXX points is if you keep the card for the year. It doesn't specifically state it is tied to the annual fee.

2. The annual fee was waived contrary to US Bank policy 3. Once I asked them to charge me, they said even though they waived it, they can't add it back.

4. Because of their representative doing something they shouldn't have done, I'm now out of XXXX   because of the rep 's error.

Like I said, I don't want anything free. Let 's abide by the terms of the agreement. Assess the annual fee of {$50.00} and give me the XXXX  points as agreed upon card opening. I don't know why this is such an issue especially since you have documentation showing I agree to this arrangement.

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 2019-03-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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 2019-11-14
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:
These accounts have absolutely NO MERIT and I have been the victim of fraud, the result of this fraud is these unauthorized accounts on my credit report that I did not authorize to be open, and did not apply for. I have filed the necessary legal documents under the FCRA 2009 605 ( b ) to request Experian to cease and desist all reporting of these fraudulent accounts and FURNISH A BLOCK under the 605 ( b ) FCRA 2009. I have also been in contact with the Attorney Generals Office of California XXXX  XXXX  who I will be sharing correspondents with, along with XXXX XXXX my attorney. Again, please cease and desist all reporting of these fraudulent accounts as they were opened by this bank negligently, and fraudulently under fraudulent pretenses. The accounts are XXXX  XXXX XXXX {$25000.00}, {$4000.00} deposit related accounts. I have never opened any of these. XXXX  has already ceased all reporting of these fraudulent accounts, I am asking Experian follow federal law and do the same. 


Failure to furnish a block and cease and desist all reporting of these accounts is a violation of my federal rights. I am in talks with the Attorney General of California - XXXX  XXXX  in this matter, and have filed a FTC Theft Report and a XXXX XXXX County Police Report. 

These accounts are the result of fraud. 
- XXXX XXXX XXXX {$25000.00} - XXXX  XXXX XXXX {$4000.00} This is a letter to cease and desist all reporting activities listed under the FCRA 2009 ( 605 ) ( b ). 
Also ; I have NEVER APPLIED for ANY PRODUCT from these creditors, please delete these inquiries as I have never applied. The inquiries are ; Inquirer name : XXXX  : inquiry date : XX/XX/XXXX. 
XXXX/XXXX  XXXX OF : XX/XX/XXXX. 
XXXX  : XX/XX/XXXX. 
XXXX XXXX XXXX : XX/XX/XXXX. 
XXXX  XXXX XXXX  : XX/XX/XXXX. 
XXXX  XXXX XXXX  : XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


. XXXXXXXX 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 2020-01-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax is reporting incorrectly the XXXX partial account number ****XXXX. This account does not belong to me and was opened fraudulently. I do not now, nor have I in the past, had an account with this bank. This account needs to be removed from my credit report. I have contacted the bureau as well as XXXX XXXX  to remove this account however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24
Company: EQUIFAX, 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 have several fraudulent accounts reporting on my credit report, I dont know what is going on but this is not fair to me. 

I saw on the news that the credit unions had a breach and that millions of peoples data was compromised. 

How could they let this happen to us : Fraudulent Accounts : - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: DISCOVER BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
There was a fraud alert placed on my credit without my knowledge. The active alert stated that inquired about new credit would have to contact me first. However there we no contact number attached to the alert making the inquiries for new credit invalid. Reached out to the companies no assistance provided, reach out to credit bureaus, and no update to the credit profile. 

Dates of inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
There was a fraud alert placed on my credit without my knowledge. The active alert stated that inquired about new credit would have to contact me first. However there we no contact number attached to the alert making the inquiries for new credit invalid. Reached out to the companies no assistance provided, reach out to credit bureaus, and no update to the credit profile. 

Dates of inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2019-10-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
A check for over {$1000.00} was deposited into my account. While I was waiting for it to be approved, I got locked out of my account. I called Chase and they told me they choose to no longer bank with me but won't give me any reason as to why. All I did was deposit a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Recently my husband, XXXX XXXX XXXX and myself recently began paying ahead on our Mortgage and now Bank of America wants to take our money and apply to the Principal after we have directed payments to be applied directly to the next outstanding monthly payment. I, XXXX XXXX paid the XXXX Payment in the amount of XXXX online via our online Bank of America Account on XX/XX/XXXX and this payment was to cure the XX/XX/XXXX Payment and after I physically directed the funds to apply to the XXXX payment, BOA applied the payment to Principal and it was approximately 15 days before it was reversed and corrected, the last person I spoke with at BOA informed me that this should not happen again. I informed that person that I somebody should have to contact us if they are unsure about what to do with the payment and was kindly told that they could not do that, it would take too much time and there was not any other place to send the funds, they had to be applied to something. XXXX is XXXX  XXXX and the nearest branch is 35 miles away considering that we no longer have a local branch here in the county that we live in. With that being said, I then proceeded to make the XX/XX/XXXX payment which was paid online via the website on XX/XX/XXXX in the amount of XXXX and there was not any problem, I assumed that the problem in question had been resolved considering that the XX/XX/XXXX payment was now cured with XX/XX/XXXX being the next payment due but on XX/XX/XXXX I made the next payment of {$1100.00} and should have cured the XX/XX/XXXX Payment via online the BOA Website and the next business day, I noticed that the payment once again had been applied to Principal with the XX/XX/XXXX payment still outstanding and once again I have contacted BOA and stressed to them that we once again have directed where the funds were to be applied and I want the payment voided and reentered correctly and was kindly told that it didn't work that way and there was no time frame or limit as to when or how long the request could take. Legally unless they have written directions from us they should not be allowed to process any Mortgage payments to Principal without our permission. This is very Deceptive and I know why they do this due to the interest and we still show that the XX/XX/XXXX Payment is due but we dont have the money to send large amounts just for the Principal Payments, we do send Principal payments but nothing over {$100.00} has ever been mailed to apply to Principal. Now how can you assist us with getting this matter resolved and the payments being applied as if we were not 2 to 3 months ahead? That should be our prerogative how the funds should be applied not BOA 's. 
I have written the bank but have not received any response. We thought that this had been resolved on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: MA
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:
My wife and I were victims of identity theft in 2017. We then froze our credit and placed a fraud alert on our credit. Now my wife and I are applying for a mortgage but after talking to all 3 credit bureaus they have assured us that all freezes and fraud alerts are off but only XXXX  did what they said. Experian cleared my wifes but not mine. XXXX  assured us that they took them off both but today we tried to get reports again and were not able too.

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 2023-08-31
Company: EQUIFAX, INC.
State: NY
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This complaint is to addressed to XXXX to stop reporting addresses that were never my domicile. The ONLY address that this bureau should be showing in my current address : XXXX XXXX  XXXX # XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: ENOVA INTERNATIONAL, 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: Account status incorrect

Complaint:
On XX/XX/20, I made an agreed payment arrangement made with Netcredit. Since the agreement, payments have been made on time, but is being reported as delinquent as if no payments are being made. I've contacted Netcredit several times about issue, but nothing is being done. I'm trying to purchase a house and this one thing with this company is hindering me. I've also filed several disputes about this matter, but nothing has changed. I need them to report to the credit bureaus, XXXX and XXXX that payments are being made and are being made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR
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:
I'm trying to cancel an HSBC personal credit card account. The last couple months, the website payment function is not working, so I try the app, but that doesn't accept payments, so I tried calling, several times, and each time I go through their long menus and finally choose the payment option, it disconnects. I've even tried the other options fraud and stolen/lost card options, and NONE OF THOSE WORK. I have a {$30.00} balance, which is all " late fees '', and I just want to close the account. The " late fee '' is not fair, but I'm at the point I just want to pay it anyway, and close the card/account. How can this scam be allowed? Not having an option at all to pay my bill, and then hitting me with late fees?! I'm XXXX, and can not even get a rep from HSBC on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Exeter Finance Corp.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
EXETER FIN has two charge off accounts listed on my credit reports. One charge off in the amount of {$15000.00} stated Date opened XX/XX/XXXX. The other charge off in the amount of {$7600.00} stated Date opened XX/XX/XXXX. I sent the company two Validation Letters XX/XX/XXXX, but I never received any response. I sent one to XXXX. XXXX   XXXX, XXXX, TX XXXX and the other to XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I was given no evidence of my obligation to pay this dept that is not mine. The Fair Credit Reporting Act requires the collection agency to verify the validity within 30 days. 
EXETER FIN has not followed the laws of the FCRA when they did not respond to my Validation letters sent in XX/XX/XXXX. If the validity can not be verified, they are obligated by Law to remove the debt from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have contacted TransUnion & XXXX several times about XXXX XXXX XXXX. This account has been reporting on my credit for over seven years. I asked that it be removed & they continue to report it.

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