BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-04
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was never properly given notice of repossession. I have a screen shot that stats your vehicle XXXX be repossessed soon on XX/XX/XXXX is when I logged in an took the photo so I had no notification at all, when vehicle was reposed during an eviction aka help from law enforcement. I demand all money paid to be returned on the loan. On top of that the ally finical has owed me a surplus since mid XXXX. They stated on 3 different occasion that they have mailed me a check. They have also stated that it will be overnighted since XX/XX/XXXX, and still no check. They illegally took vehicle and would not work out a lower payment. My pain and suffering from all this such as being XXXX having to pay for rented vehicles have far succeed {$2700.00}. Plus XXXX XXXX interest should be added since they can not prove proof of delivery of the check I have been lied to over and over about a check of {$1600.00} and now I will have to XXXX XXXX in the cold weather. The demand for pain and suffering now is {$25000.00}. I have screen shots of previous times and recordings as I stated with them please save all recordings and if they are going to record me I will record them. The notice alone saying my be repossessed soon on XX/XX/XXXX and my vehicle being repossessed that exact day is proof enough that they illegally stole my vehicle.

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 2022-11-04
Company: Experian Information Solutions Inc.
State: FL
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX 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 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Reporting negative Information on my report. 
Says I have an open account this is false. 
Is accessing my personal information without consent. 
Negative information Reporting to extort payments. 
Never done business with company. 
Never gave consent for company to use my personal information. 
Never gave consent for company to report negative information. 
In collusion with alleged original creditor to extort payments.

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 2023-06-15
Company: Bread Financial Holdings, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXXXXXX XXXX is reporting me again now 120 days late and Im not. I am on a hardship program and the payments are ACH out my bank account every month on the XXXX. They keep reporting me late and its damaging my credit along with XXXX XXXX! 
My CREDIT IS RUIN BECAUSE OF THESE TWO BANKS!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I never filled out an application or spoke with anyone at CareCredit. I still haven't ever talked to them. The application was filled out in my doctor 's office and was handed to me to sign after the procedures had begun. I was never given an advanced warning in writing or verbally about what the total costs of my procedures would be. When I received the first bill it was for the sum of {$13000.00}. I was told I was approved for the loan amount by someone in my doctor 's office. I am struggling to make the minimum monthly payment of {$400.00} as my sole source of income is my monthly social security check. I feel that at the age of XXXX, I was taken advantage of not only by Care Credit but also by my doctor 's employees and the doctor himself. I also feel that the procedures that were charged were not proven to work nor have they worked for me. I have made payments with borrowed money so as not to ruin my credit. I never received a breakdown from the doctor 's office in advance or after the procedures were done.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  is negatively reporting accounts that have been paid. The charges have been paid in full ; however, these accounts are still reported negatively. I have attempted to get this matter resolved with XXXX XXXX, however, they are making to attempts to correct their issue. This is negatively affecting my approval chances with other companies.

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 2023-09-19
Company: EQUIFAX, INC.
State: CA
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 you. XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: JPMORGAN CHASE & CO.
State: CA
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 have requested several times for specific proof to show this account wasn't fraudulent opened by providing proof of signature used to open account and transaction history. Creditor has failed to provide proof and instead went ahead and said account was verified by provide SS, address and nothing that I asked for. Fraudulent accounts can be opened with that exact information but a signature and transaction history can pin point if this was opened by me. I have let them know this account does not belong to me and for such a small fee I would have just paid it off to avoid derogatory history on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: MO
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 writing to formally dispute and express my deep concern regarding the continuous reporting of inaccurate addresses and fraudulent inquiries on my credit report. I have previously brought these issues to your attention, but despite my previous efforts, these inaccuracies persist. I kindly request your immediate attention and resolution of the matter. I have noticed that my credit report includes multiple inaccurate addresses that I have never resided at or had any association with. These inaccuracies raise concerns about the integrity and accuracy of my credit report. I request that these inaccurate addresses be removed from my credit report as they do not accurately reflect my residential history. The presence of these addresses on my report may potentially impact my creditworthiness and cause confusion for potential creditors. I have identified inquiries made by companies or institutions that I have not authorized or initiated. These inquiries are fraudulent and unauthorized. They raise concerns about potential identity theft or fraudulent credit applications in my name. I request that these fraudulent inquiries be promptly removed from my credit report to prevent any further damage to my creditworthiness and to protect against potential identity theft. 

I have previously provided documentation supporting my claims and have not received a satisfactory resolution. I trust that your bureau will address these issues promptly and in accordance with the Fair Credit Reporting Act ( FCRA ). The continuous reporting of these inaccuracies and fraudulent activities seriously jeopardizes my credit profile and financial security. 

Please inform me in writing of the results of your investigation once it is completed. I also request that you provide me with a free copy of my updated and accurate credit report once the necessary corrections have been made. The following items are such in inaccuracies that are needs to be removed in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello I have a debt for XXXX XXXX and XXXX dollars from a collection agency which I was not aware of and I want to dispute it off my credit XXXX says I dont have any collections as well as trans XXXX but it still shows up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, Capital One closed my checking account when I was trying to send a wire out. They said it was because they thought that I was wiring it to a cryptocurrency firm, which was incorrect because I was transferring it to my own XXXX XXXX account. 

They closed my account with no ability to reopen it. They told me they needed to investigate the funds to see if they were good, and would send me the funds once they determined that the funds were good funds. 

XX/XX/XXXX - i called to get a status check, they said i would get the funds relatively soon. 

XXXX - i called again and did not get an updated status check. 

XXXX - i called again and got no estimated time of completion for the investigation. 

XXXXXXXX  - they told me the investigation was still on going and they had no ETA. 

It's now XX/XX/XXXXXXXX  and I still have not heard back from them. They are holding {$3900.00} without any notification of when I'd get it back.

Company response to consumer: In progress
Consumer complaint received 2023-11-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
When I set up this account, I paid it on time every month, shortly after, I set it up for auto payments from my XXXX  account. A few months ago I decided to keep some of my bills separate for better budgeting. I soon decided that I wanted to pay my Rooms to Go account from my XXXX XXXX account. I did forget to switch this auto-pay, however, their system is outdated. 

In XXXX I received a text from Synchrony Bank stating that payment didnt go through, of course it didnt, I didnt have the funds in that account so I logged in and paid it from my XXXX XXXX  account XXXX no issues there. XXXX, the same thing, a text saying it didnt go through only this time the account says no payment due. So I pushed a payment through as a one-time payment for the {$170.00}. Two days later I got the same text and the account says the same thing, no payment due at this time. I thought something went wrong so I submitted the payment again. The next week I received another text, only to find that when I logged into my account, it was closed! I didnt close the account, I didnt even receive a customer service phone call in regards to the account being closed. 

When I called and spoke to a manager, I was put through to the rudest woman, and I could not believe even held that title at a company, just awful and I wish for someone to hear the recording. She didnt care about the situation, she said they closed the account for dishonorable payments, even though they were paid! To make matters worse, out of anger I transferred the full amount to one of my credit card accounts, only to find out a few days later that I had overpaid because of the texts that I kept receiving from them and they didnt even have the decency to return the money to me. I had to ask for it back, I wonder if I hadnt, how long would they have kept it permanently? 

The icing on the cake was that I have 3 other accounts with Synchrony Bank, in which they all followed the leader and lowered my credit lines, which then made my XXXX XXXX  credit card follow suit and they lowered my credit line as well, dropping my credit over XXXX points and just yesterday I was denied the small business loan that I have been working towards and can not at this time open my new business in XXXX as expected and the franchise is not to pleased with me.

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 2023-12-01
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Again another company that clearly does not know how billing works. The VA pays every single one of my medical bills. Every single one. This should have been paid on time by the VA. I should not be receiving this bill because of poor communication between the original medical provider and the XXXX XXXX. 

I do not know how many times this has to happen to me. I provide XXXX  XXXX Veteran card. Provider bills the VA. Its not rocket surgery. 

The new collection agency Capio. Harasses me every single day trying to collect a debt from XXXX. Calling at all hours of the night. Text messaging. Its clear as day that it is harassment. That should have been paid already. Or that was not paid due to the original holder of the debt failing to contact the VA billing department. 

Stop having aggressive methods of collecting a debt THAT YOU PURCHASED FROM ANOTHER COMPANY. I dont owe you anything. Shouldnt have owed the original medical provider anything either. Not my fault the billing department of the original provider is uneducated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: CA
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:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
SYNCB/LOWES card was opened under my name on XX/XX/2023 for {$1200.00}. I have disputed the fraudulent card opening and charge with XXXX, XXXX, and 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 2023-02-14
Company: Experian Information Solutions Inc.
State: TN
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'm seeing this as a trend with Experian over the past XXXX years in dealing with them on numerous credit reporting inconsistencies and errors. They show some thing that the original creditor claims was not reported as such by them. I get a sense that Experian has significant operational issues that are causing these problems and I would not hesitate in saying it is much larger than just me. 

I received a notification from Experian on XX/XX/XXXX that an account had been marked as a Charged-Off account with a balance ( reported that creditor made this change on XX/XX/XXXX ). When I went to the Experian site, the reporting information of that account with Experian indicated the account was charged-off, with an outstanding balance. The problem is that this account had been disputed previously numerous times because of inaccurate information. This account was included in my XXXX XXXX XXXX  which was XXXX in XX/XX/XXXX after being PAID IN FULL. 

Today, XX/XX/XXXX, I contacted the original creditor and discussed this matter in detail. They indicated their information does not match what Experian shows, and they never reported the account to Experian on XX/XX/XXXX XXXX as charged-off with a balance since it was resolved through my XXXX  case by being paid in full. 

I checked with XXXX and XXXX, also, since the creditor indicated they would have reported it the same way with all XXXX  credit bureaus. Neither XXXX or XXXX show any changes to the account since XX/XX/XXXX when my XXXX  was XXXX, and the information they are maintaining is correct and accurate. 

As I indicated, I've seen this before on numerous accounts with Experian as I have been actively monitoring and disputing accounts since XXXX with them. 

Finally, also I was not able to dispute this account online because I had previously disputed it and their system locks you out from online disputes. But they make it impossible to reach anyone by calling them, to file a dispute.

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 2023-04-07
Company: Experian Information Solutions Inc.
State: IN
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
CXXXX 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 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 2023-12-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hello, I used to have a Wells Fargo account and was recently informed of a settlement that they gave out for clients who experienced overdraft fees. How can I have access to this money? 

Best, 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 2022-11-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX - Account # XXXX The above account have violated my rights. 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. 

Attached is a copy of the title for my vehicle that proves that this account was PAID IN FULL. The company is incorrectly reporting this account as a charge off.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 non-monetary relief