BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: General Motors Financial Company, 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:
Ive began to look into a house in did a Cerdit review in notice the there has been some fraudulent account in activity on my reports my company where I was employed at the time, was also a victim of a data breach with in that year for the one off the accounts Ive stated in my complaint in this were i believe my information was stolen and misuse due to a data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
XXXX 's XXXX XXXX XXXX is an esteemed credit union in the United States, unfortunately they are currently reporting on a ghost debt that was paid off in XXXX. This ghost debt is not only still on my credit report, but the company is now refusing to remove the negative marks and late payment history from my credit report or file for a recorded closed and paid off secured card, or tradeline as XXXX, the associate helping with the matter explained. Reporting on or trying to collect a ghost debt that is almost 7 years old is illegal and unlawful. The reporting of a ghost debt in the attempt to collect said ghost debt is illegal and unlawful and does not give creditors an accurate scope of my creditworthiness and instead muddies it up and I have to prove my merit to the creditor by disproving these vicious credit predators and their counterpart credit reporters! XXXX 's XXXX XXXX XXXX, XXXX, Trans Union and XXXX are all to blame on this ghost debt from XXXX still haunting my credit profile into 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 2023-09-11
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
First, I made a payment of {$1500.00} before the cut off time on statement close date. Pursuant to the Wells Fargo Home XXXX agreement d/b/a XXXX XXXX XXXX, XXXX Payments received by XXXX XXXX local time at the Payment Address will be credited as of the date of receipt. '' This payment posted on XX/XX/23 the same date of statement closing on XX/XX/23. Wells Fargo incorrectly reported the balance as {$3300.00} to XXXX and XXXX. When it should have been {$1800.00}. This error incurred by Wells Fargo caused a drop in credit score. My account balance reporting should reflect {$1800.00} per your agreement and paying on time. 

Second issue, this was a no interest no payment credit line available for 12 months ( no interest paid in full ). When viewing my account minimum payment due was {$65.00} for XX/XX/2023. I paid this today ( XX/XX/2023 ) but why is your credit product offering and marketing different than what has occurred on my account? 

Thank you for your time.

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 2023-10-20
Company: SYNCHRONY FINANCIAL
State: WV
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I called Synchrony Bank today to try to resolve this issue. I asked to speak with a XXXX XXXXXXXX. I am being required to make a much larger minimum payment than usual because of the transaction dates of when my payments were processed. 

I purchased a XXXX XXXX bed and accessories on XX/XX/XXXX. The bed was not in stock and delivered until XX/XX/XXXX. My first payment was due on XX/XX/XXXX. A payment was made on XX/XX/XXXX. Since then I have consistently made monthly payments and on several months I have made multiple payments in a month. Some in upwards of {$1000.00}. I was told by the sales associate that as long as I made at least the minimum per month I would not be charged any fees. That has not been the case. I have read through the fine print on my statement and I do see that a minimum payment must be made by the due date but I have not been able to find where a payment must be made after a certain date to count for the next month. I find it shameful that because my XXXX payment that was made during a particular month was processed on the XXXX instead of the XXXX that it would not count as a payment for the next month. I precisely made an additional payment after receiving a paycheck so I could remain ahead so I would not incur any late fees. Payment dates include XX/XX/XXXX for a XXXX payment and then a payment on XX/XX/XXXX for XXXX. Instead I was charged {$41.00} for essentially being XXXX day early. The XXXX payment was due on XX/XX/XXXX. I made a payment for XXXX on XX/XX/XXXX. Simply because I was XXXX  day early XXXX month I was considered late every month thereafter. It is extremely challenging to make sure that the mail is delivered and that they process payments specifically on the correct day. It shouldnt be so difficult for consumers to understand these billing practices. Billion dollar companies like Synchrony shouldnt be allowed to use such deceptive practices. If I would have only made the average minimum payment of {$180.00} per month that amount equals to {$2100.00} in 12 months. I have made over {$4000.00} in payments in the last XXXX  months with no further purchases. It is unreal to me why companies like Synchrony choose to treat consumers this way. Truly confusing and unfair to the average consumer!!

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 2023-08-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2023 I opened a checking & savings account with Chase bank. 

XX/XX/2023 I was notified that my account will be closed with no notice as to why & the remaining funds in my account will be mailed to be by check XX/XX/2023 I reached out to chase bank in regards to the exact date in which my check shall arrive XX/XX/2023 I reached out again doing a follow up on my funds to which I was told there was no information to give me that I did not already know and that I would just have to wait the full XXXX business days XX/XX/2023 I reached out again to inquire about my remaining funds not arriving by the date given to me & reminding the banking team that it has been well over XXXX business days by this point to which the associate responded by telling me that I now have to verify a few things in regards to the initial paycheck that was deposited into my account this is an extremely time sensitive matter in which I have been more than cooperative although I am being mistreated throughout this ordeal this will be the second time with Chase banking that I have been a victim treated as a suspect and I just do not believe that is a professional way to conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: NY
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:
I was told by a representative at Equifax that since it has a business relationship with the creditor, the account is verified and will not be removed. Equifax is breaking the law. Ive sent Equifax letters and complaints in great detail explaining this. At this point, EQUIFAX, is willingly and knowingly violating my consumer rights. The information it continues to report are discriminatory misrepresentations of my identity. You at EQUIFAX DO NOT have my permission to make reports containing any information from XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXXnd you must completely remove this account upon immediate receipt of this notice. 

This is not a dispute notice for you to send to XXXX XXXX in an attempt to pass the blame and avoid your repercussions for breaking the law. THIS IS A NOTICE FOR YOU AT EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
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: Old information reappears or never goes away

Complaint:
IN light of recent investigation brought upon XXXX, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. 

YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

both stated accounts were removed from XXXX so please tell me how you verified this information to be accurate?

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 2023-09-16
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-05-12
Company: EQUIFAX, INC.
State: GA
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 Report Act XXXX, Account : XXXX, XXXX XXXX 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. 

This account is fraudulent account and i never open an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chase debited {$3000.00} from my checking account today ( XX/XX/20 ). I received an alert of an overdraft. When I called customer service, the representative acknowledged the charge and gave me the impression he was familiar with the name on the debit. ( this has happened to me once before, and I was informed it was someone paying their mortgage, same name on the debit ) he transferred me to a claims person who stated they could not cancel the charge even though they knew it was inaccurate she then advised me to close my account and that it would take anywhere from one to three business days after they let the charge settle for the money to be returned into my account. I asked for my claim to be escalated because I could not wait that long for the money ( again, the account is overdrawn by over {$2000.00} ). I was transferred to an escalation representative who then told me the same thing that there was nothing they could do for me. About 4 hours later I called a different corporate Chase number had to tell my story to the operator on the phone to request to file a complaint she then transferred me to a supervisor and he told me that he could not help me and then I was in the wrong Department transferred me and then on hold there was over 20 minutes hold time. It was Friday just after noon when I got the alert. Presumably the charge would settle in the next day so I am meant to have my account in the negative until XXXX next week? That's XXXX days from today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting 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:
I had credit cards with Capital One and JP Morgan/Chase back in XXXX  and I couldn't pay off the balance because of a job loss. The creditors had charged off on the balance owed, and they started to report the debt again every month to my credit bureau decreasing my FICO score and I couldn't get a car loan. Please see the attachments for reference. Thank you very much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been reaching out to the company for months to get missed payments removed. Per 15 USC 1681 a2a1 under exclusion section states except as provided in paragraph three which states consumer Reports does not include reports containing information solely as the transactions or experiences between the consumer and the person making the report. Please explain where the late payments are coming from?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
I sent the following email to BoA fraud investigation personnel who investigated my case on XX/XX/16. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Hope all is well. As I attempt to have a closure on the recent identity theft activities at my expense, I came to the conclusion that a replacement of my current Texas driver 's license ( with a new license number ) is warranted. My local  police officer who has been working on my case informed me that there are still cases where my Texas driver 's license is being used with different people 's pictures on it. I talked to the local XXXX people and they told me that in order to apply for a replacement with a new number, I would need a bank letter at which fraudulent activities occurred ( they DO NOT accept police report which surprised me ). Therefore, I came to you for help. I would need a letter from Bank of America stating that a fraudulent auto loan was acquired with my TX driver 's license with a fake picture and signature of course. This document would support my application. Please also include my SSN and TX driver 's license number in the letter. Thank you so much for your help. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- However, I received a call from a representation informing me that Bank of America would not be able to provide such letter. The standard letter they sent me in XXXX was the only thing they could provide in which there was no reference of what personal identification information of mine was comprised.

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 2023-10-21
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
We entered into forbearance in XXXX of XXXX due to the impact of Covid. Most companies were closed and not buying furniture and supplies. My husband is in sales. Our income drastically decreased and we did all that we could to make ends meet but ultimately had to enter forbearance. We were told by Mr. Cooper ( Mortgage Lender ) that we would have 3 options once our forbearance period ends. 1 : Pay back the lump sum of missed payments. 2 : Pay back the sum of what is owed over XXXX months along with the monthly payments. XXXX : Apply for Mortgage Modification. ( We understood this could change the terms of our loan. ) We decided to apply for Mortgage Modification as the other options were not within our means. We were denied by our Mortgage Lender, Mr. Cooper. We were then told we only had one option and that was to pay our passed payments totally {$30000.00} in full by XX/XX/XXXX. 

These were not the conditions we were told when we went into forbearance. This sounds incredibly fraudulent.

Company response to consumer: Closed with explanation