BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: MS
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:
XX/XX/2019 my car was brought to XXXXXXXX XXXX XXXX for a repair. The company never repaired the car nor contacted me. I reached out to them and they stated they could not fix the car and I can come pick out another one with a cheaper deposit. I stated no thank you. I was informed by the sales manger that I would receive documents showing the car was paid off and removed off my credit report. I never did. Now on my credit report it is showing inaccurate information and is causing problems on my credit report. It is stating that my car was Not reporting in XX/XX/2019. Then in XX/XX/2019 it is showing foreclosure, then in XXXX it is showing Charge off paid in full. Those reports are inaccurate. This has been reported to the other bureaus previously and all of that inaccurate information has been removed. Your company is the only agency out of the 3 reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: NY
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-09-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My bank ( Wells Fargo ) issued me a credit card without an application or getting my consent. I was unaware that they opened a credit card in my name. Then they applied charges to this credit card that they opened. Then charged me late fees and interest on a credit card that I did not open. I then started to get notices about payments for a credit card. I thought it was spam so I ignored them. Then I decided to call Wells Fargo to confirm since the texts were getting daily and I got my first letter. This is when I was alerted to the existence of the credit card. I called to tell them that the charges were fraudulent as they were never authorized by me and I never applied for the credit card. I asked them to close the account and then they proceeded to open a new credit card account in my name

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 2023-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit 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:
Capital one the company with which I have been a customer for over 15 years sent me an offer to get their savor one credit card with an initial spending bonus offer clearly stated ( spend {$3000.00} in the first 90 days, get {$300.00} cash back ). I signed up and received the card, but they have now reneged on the offer, stating they counter offered before issuing card. Obviously they are not entitled to counter offer themselves nor should they be allowed to engage in bait and switch tactics. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-10-14
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
GM Financial recently established a payment arrangement with me, allowing a two-week window for me to come up with {$1100.00}. However, just one week later, I received an unexpected phone call. In my attempt to explain that they had previously made a payment arrangement with me, I felt a sense of confusion and frustration. Politely, I expressed my gratitude and ended the call. 

My journey with GM Financial began back in XX/XX/XXXX when I started to fall behind on my payments. The primary reason for my financial struggle is the loss of my job, a position I had held for over a decade. As a single mother, I faced the added hardship of being denied unemployment benefits and anxiously awaiting my appeal date, leaving me without any income since XX/XX/XXXX. 

Reflecting on these challenging times, I can't help but think back to the early days of the COVID-19 pandemic in XXXX. If my financial hardships had occurred during that time, perhaps my vehicle wouldn't have been at risk of repossession. 

The underlying stress in my life was exacerbated by a painful divorce that was instigated during the pandemic. My ex-partner moved out on XX/XX/XXXX. Prior to my financial struggles, I had responsibly placed a significant {$15000.00} cash down payment on my car, consistently making on-time payments for 16 consecutive months before falling behind. 

Considering my investment of over {$25000.00} into this vehicle, which I've owned for nearly two years now ( with XX/XX/XXXX marking the two-year anniversary ), it's disheartening to realize that the remaining balance on my car loan stands at a staggering {$31000.00}. With a lien on the car due to that substantial down payment, the recent and abrupt repossession by a towing company, without proper lien verification at an intrusive hour of XXXXXXXX XXXX was both unexpected and unsettling. 

What compounds the situation is the lack of communication from GM Financial. Despite my repeated requests for necessary documents, I have not received any response or acknowledgment. Additionally, I haven't been informed about the possibility of retrieving my personal belongings from my now-repossessed vehicle. 

As a single, unemployed mother of XXXX, my XXXX daughter, who is a XXXX XXXX XXXX was recently deprived of her means of transportation. I had to take back my old XXXX to ensure I have a vehicle available for my family. My son, who is XXXX years old and has XXXX XXXX, relies on us for care and stability. In these trying circumstances, I am earnestly seeking understanding and support from GM Financial to navigate this challenging chapter in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I HAD A MORTGAGE WITH XXXXXXXX XXXX AND CHASE MORTGAGE TOOK OVER THE ACCOUNT AND DOUBLE THE PRICE AFTER I HAD A MORTGAGE WITH XXXXXXXX XXXX FOR ALMOST 25 YEARS OF LIVING IN MY HOME TOOK ME TO COURT AND STARTED EVICTIONS PROCEEDINGS AGAINST ME. MY MORTGAGE WAS JUST ABOUT PAID WHEN THEY TOOK OVER THE ACCOUNT AND WITH THEM DOING THIS TO ME I HAD TO REFINANCE MY HOME IN ORDER TO STAY IN MY HOME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions 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:
In Accordance With The Fair Credit Reporting Act 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 a account without my written instructions

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 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting act XXXX Account XXXX 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 XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 A. 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

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 2023-12-03
Company: Parnell & Parnell, PA
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Creditor was XXXX. Account was closed around 2021. While Account was on a forbearance during Covid Lock down XXXX reported negatively to credit bureaus, attempted collections while in forbearance before payments were due. Balance reported was much higher than actual balance and could not provide accounting for alleged balance. Almost 3 years after Account was closed I recieved a lawsuite without any notification to question validity of debt and accounting. Lawsuite was dismissed in my favor. Then XXXX began to play games reporting false balance owed, and reporting late payments of 40 months and more, as if Account was open. I filed a dispute. They changed status to charge off, but continue to file every month on this closed and lawfully dismissed Account. I am wanting all late payments reported removed from time of account closure.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-05
Company: Upstart Holdings, Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XXXX I applied for a loan and was approved, on their website they make you connect your bank, it makes you login and I set up for auto-pay. 
On XXXX I emailed asking about the loan money because in the email it said 1-3 business days. 
On XXXX I got an email saying they couldn't deposit the money into my account, it was unsuccessful ( I used their own system to link my account ) so I had to go back to the website and manually enter my information. 
On XXXX ( not a business day ) they sent an email stating my bank account was verified. 
On XXXX I sent an email saying my account was verified and that their website says " If you accept your loan before XXXX EST Monday-Friday, you should receive your loan proceeds the next business day. If accepted after XXXX EST Monday-Friday or during the weekend, you should receive your loan proceeds two business days later. '' On XXXX I sent another email because it has now been 4 business days and I have not received my money, which I should of already. 
No response from them. 
I sent a email on XXXX which is now 5 business days later, I get an email back saying someone will reach out to me shortly. 
No one called or emailed. 
I send another email on XXXX and get the same response from them as on XXXX. 
Meanwhile, this whole time I am getting charged interest fees since XXXX and have not received any money from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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:
I am writing to report a concerning issue related to fraudulent inquiries on my credit report. I recently discovered unauthorized credit inquiries that have been made in my name without my consent or knowledge. 

These fraudulent inquiries have the potential to adversely affect my credit standing and overall financial well-being. I am deeply concerned about this situation and would like to request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in investigating and resolving this matter. 

I have contacted the credit reporting agencies, specifically XXXX, XXXX and Equifax to dispute these fraudulent inquiries. And they refuse to remove them. 

I believe that additional intervention is required to fully investigate and resolve this fraudulent activity. I kindly request that the CFPB assists in coordinating with the relevant agencies and institutions to identify the perpetrators and ensure that my consumer rights are upheld. 

I have attached copies of the fraudulent inquiries. Your prompt attention to this matter is greatly appreciated. Please acknowledge receipt of this report and provide guidance on any further steps I should take to address these fraudulent inquiries. 

Thank you for your assistance in helping me resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: PNC Bank N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I got robbed/scammed for a total of XXXX $ from a person that I have no idea who it is and doing 3 different payments at different times and dates without my knowledge so I tried to explain it to my bank but they couldnt help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: GA
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:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions 15 U.S.C 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 2022-10-16
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX -Multiple FCRA Violations due to inaccurate information regarding account status, dates, payments and balance.

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In XXXX of XXXX, I was contacted by XXXX XXXX by phone that my account was delinquent and that I needed to set up a payment plan later that month to avoid my account being charged off and sent to a collection agency. I called back after I was ready to set up a payment plan and after I had made sure I was speaking to someone with XXXX XXXX who was authorized to set up a payment plan. Though I was told that they could not re-age the account, I was given two options : pay a lower amount to settle the debt, or pay in full in installments to be eligible for a new account. I chose the latter, and paid off the debt ahead of schedule in XX/XX/XXXX. In XX/XX/XXXX, I received the application for a new XXXX XXXX XXXX card, completed it, and was approved for a line of credit of {$600.00}. That same month, I disputed the status of the old account as it had never been a charge-off. It was removed briefly with an improvement on all 3 credit bureaus of about XXXX points. A week later, the remark reappeared, and neither XXXX XXXX nor the 3 credit bureaus have been cooperative in permanently removing the remark. My call to XXXX XXXX was routed to 5 different people, only to be told I would have to speak to someone at XXXX XXXX headquarters. XXXX XXXX told me I'd have to talk to the person in XXXX with whom I set up the payment plan, and that they had no ability to check records as their departments aren't connected. XXXX will not provide me with transcripts of the phone calls. This runaround is ridiculous, with one half of the company not knowing what the other is doing. I obviously paid as agreed when I received the new XXXX XXXX XXXX card from a XXXX XXXX XXXX XXXX XXXX XXXX, Utah. I was told XXXX doesn't issue new accounts to a former cardholder whose account was charged off, for several years, which is why I agreed to pay in full. This is causing a severe hardship in obtaining credit for personal and business purposes, which has deprived me of thousands of dollars in lost income. This company isn't " XXXX XXXX '' anymore, and has outsourced jobs to third world countries to save a few bucks. They know you can't get the agreement in writing so they must think that most people will just let it go. I know I'm right, I know XXXX never wrote off my account as " bad debt '', I know that claiming to do so would be considered income tax fraud, and I'm not letting this go until I receive justice.

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 2023-11-10
Company: The Bureaus, Inc.
State: SC
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 sent XXXX  and XXXX and XXXX  letters to valdated and debt with an debt collector no ones reponded

Company response to consumer: Closed with explanation