BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The information being reported for this account is completely incorrect, so how could you have verified it? You claim to verified this information within your investigation. I am requesting copies of the documentation that your company reviewed in order to report the account as verified. I would like to know what steps were taken in order to ensure that you are reporting the most complete and accurate information available to the credit bureaus. How could you continue reporting this account when in the first place this has no name? Delete this now! 

Original creditor : XXXX Date opened XX/XX/2021 XXXX {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I had a lease car with Chrysler Capital. The car was stolen. I called to Chrysler to let them know. They said will send me payoff amount. I have received it. After this, once insurance claim was entered, Chrysler sent complete different payoff to MY insurance, which is higher even then the Cash Value of the vehicle. I do not mind my insurance pay them, as long they do not try to raise their payoff and get more money then it is actually worth it. Cash Value and Residual Value are much less then payoff amount company sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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:
It appears that my credit with the Credit Bureaus has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus is required by law to remove any item which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records ( learned through more research both parties require ). Please remove these files. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. I need the following items deleted as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXXXX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/22 CHASE BANK, sent an adverse action letter that was false and misleading Information, willingly and knowingly ( which is a crime ) discriminating  against me after a consumer credit transaction for a CHASE SAPPHIRE CARD for {$12000.00}. As I in good faith extended my credit to acquire money on credit as my right as a consumer from Chase Bank primarily for personal, family, or household purposes. Reasons stated for the discrimination  were criteria used to evaluate creditworthiness, internal standards and a qualifying score that are prohibited by the General Rules of CFPB interpretation of Reg B 1002.4 ( a ), which is insufficient, prohibited and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX  NEGATIVE ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: CBC Companies, Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
FACTUAL DATA -The inquiry was not authorized XXXX XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: Experian Information Solutions 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:
There was fraudulent transactions in my account and the XXXX XXXX did not resolve. I was cooperative in the investigation. I have contacted the XXXX XXXX XXXX XXXX ( XXXX ) and was told to create another report because this is not their jurisdiction.

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 2022-08-01
Company: Experian Information Solutions Inc.
State: NJ
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:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX : XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  Date Updated : XX/XX/XXXXXXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2020-04-17
Company: GLA Collection Company, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm filing a complaint against GLA Collections Agency XXXX XXXX XXXX, XXXX, KY XXXX. 
They have put several medical bills on my credit report that do not belong to me. I've requested itemized statements proving said debt multiple times over the past couple years and I have yet to receive those statements. I also have letters from the original healthcare provider stating that this debt is not mine and a copy of the letter they sent GLA telling them to remove it from my name. The debt was fraudulently put in my name. GLA continues to refuse to remove the debt from my credit report. 
Debt # 1 - {$110.00} Opened XX/XX/XXXX Debt # 2 - {$150.00} Opened XX/XX/XXXX Debt # 3 - {$290.00} Opened XX/XX/XXXX Debt # 4 - {$360.00} Opened XX/XX/XXXX I've spoken to the credit bureaus and they found that someone with a similar name and with a social security number that's different by one number has information on my credit reports. I've asked GLA multiple times for proof of this said debt that includes an itemized statement of said debt with the same and original signature of the patient. They refuse to give me this information. And they refuse to take it off my credit even when the original provider sent them a letter stating that this isn't mine. I need this removed immediately as they are causing great damage to my financial status. I am unable to get a needed loan because of them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was enrolled as a XXXX at XXXX XXXXXXXX XXXX XXXX XXXX beginning in Fall of XXXX through Fall XXXX when I officially withdrew with a leave of absence. When I withdrew I did so within the window that allowed my student loans to be return to lender. ( {$2500.00} XXXX Stafford Unsub & XXXX XXXX Stafford Sub ) For whatever reason this info was not adjusted correctly and it was shown that these 2 loans were dispersed. But they had been cancelled and returned. 
After many years of the incorrect information being provided to me without the ability to view accurate information. I began payment of the loans, based upon the false belief that once loan was satisfied, I would be able to have access to the details of the loan. 
Basically loans were cancelled, but I was unable to verify that until recently. 
I reached out to the loan servicer, which is Navient and was met first with a representative that was as shocked and confused as I was regarding the inaccuracy status history of my loans. I was told a case would be opened to look into the loans and a promissory note would be obtained to establish an idea of what had happened. I was told resolution would be within a two week time frame. 
When I received no update I reached out to Navient again for clarification of the validity of the actual loans, I was met with a hostile representative that talked in circles and offered no assistance. 
When I look on the studentaid.gov The loans I have been paying on for the past 25 years states that the loans were disbursed but returned and cancelled. 
I have been accruing interest as well as late fees on these loans that are not even valid. I also have been paying them for the past several years and I am so annoyed that I can not get clarification or help regarding this. Attached are statements that show the loans were cancelled. The only valid loan was FFELP Stafford Sub Loan XXXX. 
I really need help figuring this all out. Navient will not help me with this and refuses to acknowledge that the loans were cancelled and have not require any payment. 
If any additional information is required, please let me know and I will forward whatever info is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TD BANK US HOLDING COMPANY
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for a card through raymour and flanigan on their website while in the process of saving for a home I wanted to use this card to buy furniture in the future, I was approved I have received a card and theyve been reporting to my credit agencies, but I have no access to this account I am victim of identity theft and have my current address and phone number listed on my credit report I also check it often, theyre reporting the {$3500.00} account but I cant do anything with it, They insist I have the wrong number to verify my identity via text message, I can prove my identity but they give no recourse and tell me my account will remain indefinitely suspended until I can get this text message??? Im mortified and now concerned my credit will take a significant hit if its suddenly pulled off especially since I want credit with them and to be able to use it in the future. 

I find it repulsive that theyre depending on text message to open a {$3500.00} account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: NJ
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:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
My credit card with Barclaycard had fraudulent activity on XX/XX/XXXX. At that time I took the steps necessary and notified Barclaycard. In the meantime I returned merchandise to the following vendors : {$190.00} to XXXX XXXX, {$330.00} to XXXX, and {$130.00} to XXXX on XX/XX/XXXX. On XX/XX/XXXX I returned merchandise to XXXX XXXX {$52.00} and XXXX for {$310.00}, {$32.00}, {$48.00}, and {$12.00}. I received a new credit card to replace the one with the fraudulent activity. In the past when this occurred transactions between the accounts was seamless. I have called/chatted with Barclaycard on the following dates and there has been no resolution : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX for 5hese credit amounts to be posted to my account. Their solution is to dispute the original transactions, however, one of the items purchased was on XX/XX/XXXX but the item was returned XX/XX/XXXX. They will not resolve this transaction because it was purchased more than 60 days ago but the transaction I am inquiring about is XX/XX/XXXX. I believe this is a Barclaycard issue and was told their credit policy changed and I needed to wait 7-10 business days to see these credits on my account by one their representatives.None of the credits have been posted. I have hardcopy receipts for all of the returned items. I am frustrated with their response to my inquiries.

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 2022-12-10
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been struggling to pay for this house while the repairs are taking place. Fay Servicing has done everything possible to not release my escrow funds to continue my home repairs. XXXX, 2022, I was approved for $ XXXX from my flood claim. I received the check and ended up terminating the contractor therefore, I sent the check back to Fay to deposit back into my escrow. I informed Fay that I will be looking for another contractor and contacting them once I have a signed contract to receive the XXXX. I contacted Fay ( 3 ) weeks ago requesting to receive the 15k for my newly hired contractor. Here we are ( 3 ) weeks later after many, many phone calls, Fay has still not released the funds. I have been told that I need to go through the approval process which takes approx 5 business days. ( 3 ) weeks later, no check no approval. Why should I go through the approval process when I was already approved in XXXX? Meanwhile, Fay demands the mortgage payment or my home will be foreclosed but they fail me for every home inspection and refuse to release funds in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: JPMORGAN CHASE & CO.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I made a wire transfer from XXXX XXXX XXXX XXXX XXXX ) to an account at JP Morgan Chase ( Chase Bank ) on XX/XX/2022. The account and recipient information was verified. The account holder is someone that I know that lives out of state. After the funds were transferred out of my account the beneficiary never received the money. Somewhere along the line there was an issue with the account number. JPM either held the money or put it into an incorrect account. This would be something that they should have resolved within 24 hours and returned the funds to me since the account that they put it in and the beneficiary information did not match wherever the money ended up. 

I have filed numerous amendments and countless recalls. XXXX has not received any XXXX message traffic from Chase in weeks. The beneficiary has made numerous inquiries with Chase. They have told him that that the money should be returned within 2 to 3 business days. That was over a week ago and they have still not updated XXXX  via XXXX. They told him on Friday when he called that there is nothing more that they can give him and that I need to continue to escalate the recall with XXXX, something that I have done since this whole process has started. Apparently there is nothing more that I can do according to XXXX  They are unable or unwilling to make direct contact with Chase in order to obtain a status update. 

I am now without my money for a month and have nothing to show for it and I'm trapped between two banks that are each blaming the other for the lost money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Called Truist bank on XX/XX/2022, and was told my account was closed and they couldn't see a reason. I told them I would have a payroll deposit coming, and they said it would bounce out since it was closed. Went to the Truist Branch on XXXX XXXX in XXXX Texas and spoke to a female banker. She stated she couldn't give a reason and took my debit card and my direct deposit should go back to my employer. Today XX/XX/2022 called in after talking to my HR department and they stated my acct was on hold and had to go into a branch. I told them I had already gone to a branch, so the rep called the branch and stated that I never went in, which was a lie. They said they could see my direct deposit but couldn't do anything since my account was on hold. I told them that I refuse to go in and they need to rectify the situation. They were unable to help me and my money is in limbo.

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 2022-09-28
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX  XXXX, XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX  XXXX Date Opened XX/XX/2018 Balance : {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is bothering! Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that the Credit Bureaus look into this matter as required to do so under the FCRA. If the Credit Bureaus do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. Please haev the following items corrected and or deleted as soon possible : XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/2020 XXXXT XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: AZ
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXXBankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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