BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-11
Company: Byrider Franchising, LLC
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a car through XXXX Byrider in XX/XX/XXXX. Their bank is CNAC. after purchasing the vehicle, they have pulled my credit report without permission on numerous unauthorized occasions. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. These are hard inquiries and they did not have my permission/nor need to pull my credit report without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am a court appointed guardian for a legally XXXX person. I have been the guardian since XX/XX/XXXX. I have had a guardianship bank account with Chase Bank ( now JP Morgan Chase ) as Guardian since XX/XX/XXXX. I pay all of my wards bills. XX/XX/XXXX, Chase closed the account without any notice to me, with no explanation at all, and my ward 's rent checks, utility checks, phone bill, hospital bill payments, clinic payments, all bounced. Then, after closing the account ( which had nearly {$7000.00} in it at the time ), Chase sent the funds not to me as Guardian at the address listed on the account, but instead to my ward 's address. Since he has a XXXX XXXX, he had no idea what the check ( XXXX ) were, and only due to his sister finding them did I recover the funds. Chase has failed and refused to address this in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: MO
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 a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXXXXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-01-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hello, I went to XXXX about XXXX to XXXX weeks ago. As I was at checkout I was asked if I wanted to join their rewards program ( I didnt know this would be to apply for a credit card since the association said it was a rewards program ) so I said yes. She had me fill out some information. After I filled it out she let me know that my application was denied at the moment and that Id get a letter in the mail explaining why. Didnt think much of it until I received the letter explaining why I was denied credit. In my defense I was never told I was applying for a credit card, I was told a rewards program. This is the reason as to why Im reaching out today. I would have never applied for a credit card knowing my current credit score situation.

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 2017-01-27
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They had said I had insurance billed my old insurance XXXX because they said I had called into XXXX and told them I had XXXX witch I did n't have and they billed anyways well come to find out they said they offered me XXXX and they did n't even offer me it I am willing to seek legal help if this does n't help like I told them if I did n't have insurance I would of never gotten this procedure done and they think I am lieing about this situation and I am not I will get legal help because I am not in the wrong please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-10-20
Company: WELLS FARGO & COMPANY
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
i was a victim of scam which many times i have addressed issue to cfpb regarding both XXXX XXXX XXXX and wells fargo bank who refuse to cooperate to recover my loss the loss i suffered and still not willing to cooperate to resolve issue matter of my scam and my recovery of loss i suffered through the scam i suffered.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My ex-husband and I had a mortgage through Wells Fargo Bank for our personal residence when we were still married. We finalized our divorce in XXXX and the divorce decree states that my ex-husband was awarded our home, " ... including all debt attached thereto ''. I signed a Quitclaim Deed on XXXX/XXXX/XXXX releasing my interest in the home to him. I understood from him at that time that he was refinancing the mortgage. However, I have recently discovered that he did not refinance the mortgage. In addition, he failed to make mortgage payments for an extended period of time and as of late XXXX had become over {$42000.00} delinquent in payments. Wells Fargo had begun foreclosure proceedings. In XXXX, XXXX, Wells Fargo allowed him to make a " loan modification ''. That " modification '' actually rolled all delinquent funds into the loan, changed it from a 30 year fixed rate loan to an ARM, and extended the terms of the loan by 10 years. All this was done without my knowledge or signature, yet Wells Fargo kept my name on the loan as a co-signer. I filed a complaint with Wells Fargo and was unable to resolve the issue. My credit has been significantly damaged by the delinquency of my ex-husband. This all happened after our divorce even though the divorce decree released me of all financial responsibility for the home mortgage. In answer to my complaint with Wells Fargo, they have provided me a written response saying that they will not remove my name from the " modified '' loan, and claim that the only way for this to occur is for my ex-husband to refinance the loan. Even if he were willing to do this, that would not clear my credit report of the {$42000.00} of delinquent mortgage payments that were the sole responsibility of my ex-husband. I am confident that Wells Fargo did not act appropriately in allowing my name to remain on the loan after being made aware that we were divorced, and especially in allowing a very significant " modification '' of the loan without my knowledge or consent. I can provide any documents needed.

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 2022-01-02
Company: Experian Information Solutions Inc.
State: TX
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:
Someone has taken complete control of my identity .I have been getting Notification that the same companies keep sending credit Bureaus request for my credit report .I have not applied to any of the companies that is on this report and not sure who has my personal information and how there able to use it free will.I have been trying to contact the credit bureaus by phone trying to explain this issue but as if today they have not been able to resolve the issue .Please please help me take back my life this has been a nightmare.

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 2020-06-11
Company: ALLY FINANCIAL INC.
State: TN
Product: Credit reporting, credit repair services, 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:
Someone stole my wallet and started applying for stuff under my name not my consent. I would like to have it removed

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 2016-02-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Other

Complaint:
Every month I receive a billing statement re : my Chase Slate Credit Card. After receiving a XXXX 2015 statement I paid the balance in full and did not charge anything. My XXXX balance was XXXX. Although there had been a transaction - the payment - Chase refused, and continues to refuse, to send a XXXX 2015 billing statement because the balance is XXXX. I therefore have nothing from Chase to show that my balance was paid in full. I could understand not sending a billing statement if there were no transactions ( payment/charges/interest ) at all, but there was a transaction - Chase cashed my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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: Was not notified of investigation status or results

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.

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 2022-01-02
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:
MY IDENTITY HAS BEEN STOLEN. SOMEONE KEEPS OPENING ACCOUNTS IN MY NAME. I AM TRYING TO KEEP UP WITH MY CREDIT PROFILE BUT ITS SO HARD WHEN SOMEONE IS STEALING MY INFO OPENING UP FRAUDULENT ACCOUTNS. PLEASE INVESTIGATE THESE ACCOUNTS AND REMOVE THEM FROM MY PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Medical Data Systems, 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: Investigation took more than 30 days

Complaint:
I HAVE DISPUTED MULTIPLE MEDICAL ACCOUNTS THAT WERE NOT VERIFIED ACCURATELY OR WITHIN 30 DAYS AND XXXX REFUSES TO DELETE THE ITEMS OR VERIFY THEM CORRECTLY, THEY ARE VIOLATING MY XXXX RIGHTS WITH COMPANY MEDICAL DATA SYSTEMS DATES XXXX ALL OTHER CREDITORS HAVE REMOVED THE COLLECTIONS AND MY COLLECTIONS AREN'T PROPERLY BEING ADDRESSED. AMERICAN ACCOUNTS AND LVNV HAVE NOT PROVIDED ANY IDENTIFICATION OF IT BEING MY DEBT AND XXXX IS STILL REPORTING AND TAKING MATTERS INTO THEIR OWN HANDS INSTEAD OF FOLLOWING THE LAW.

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 2020-06-20
Company: WELLS FARGO & COMPANY
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Wells Fargo Card Service is reaging their account by currently reporting on my credit report 52 charge offs when they can only report 1 the most recent as XX/XX/XXXX when this account was closed on XX/XX/XXXX, this is a serious violation of FCRA also very damaging to my credit worthiness and misleading to potential creditors

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 2016-09-10
Company: Ditech Financial LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Charged conveince fees and never fulfilled their end of helping me with loan modifacation or assuming the loan from the trust. Threats of forclosure while in process of catching up on missed payments and being charged fees for checks and post dated checks [ suggested by them ] to stop foreclosure added in to the hundreds of dollars. Late fees were always there even when they had the funds in hand they said that funds must clear instition before due date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband was laid off and we filed for bankruptcy. We became two months behind in our mortgage with Chase Home Finance. No loan modification was offered. Instead we were put on a repayment plan and charged exorbitant fees for four months. 
I feel that we were overcharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
There are several credit cards who have run my credit several years after I either closed the or quit using there card. Also some credit card I possess periodically look at my credit which is not needed beause I am current on all my accounts. I feel that this is totally inappropriate. Some creditors are on my report who I have no business with at all. 

Closed/paid off Still active Never had/Old XXXX & XXXX XXXX XXXX XXXX BANK XXXX BANK XXXX XXXX XXXX XXXX XXXX AMEX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have been trying to get this resolved since back in XXXX, I am so frustrated and angry, because neither XXXX  or Bank of America want to help me out. I have tried reaching out to higher management different supervisors different representatives, and I keep getting transferred from one department to another, and all are saying they can't help me. XXXX   and Bank of America refuse to remove this fraudulent account from my XXXX  credit report, I am exhausted and tired of this negligent behavior. They " verify '' the account to be accurate, yet they are not sending me any viable evidence pursuant to section 609E of the fair credit reporting act. I am a victim of identity theft, and I should not be suffering for something that was not committed by 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 monetary relief
Consumer complaint received 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My initial correspondence was a debt validation request to TransUnion, LLC sent on XX/XX/2021 and received by TransUnion on XX/XX/2021. ( Exhibit A ) I respectfully requested to be provided proof of these alleged items, specifically the contract, note or other instrument bearing my signature. TransUnion, LLC failed to meet my requisition for the requested documentation. 

However, I did receive the Investigations Results ( Exhibit B ) stating that The disputed item was verified as accurate. TransUnion, LLC denied me my consumer right to privacy under 15 U.S. C 1681 ( b ) by discussing my non-public information with the creditors. Alleged creditors can not validate debt.

During the entire dispute process TransUnion, LLC continued to report inaccurate information, my name ( Exhibit C ) and the disputed accounts, a violation of 15 US Code 1681 [ A ] [ A.1 ] Credit reporting laws are in place to ensure that bureaus report only 100 % accurate credit information. It seems that Transunion, LLC does not adhere to credit reporting laws. My experience with TransUnion, LLC has provided evidence to support this. TransUnion, LLC failed horribly short.

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 2020-06-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX {$2500.00} XXXX. I have reached out to XXXX in reference to this account. The account is reporting inaccurate information. 90days late payment without it ever reporting 30 or 60day late.which is a violation of fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Nationwide Recovery Systems, Ltd
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is almost XXXX years old. I was never sent a billing statement or contacted in any way in regards to this debt. The only way I found out about it is when it hit my credit report yesterday XX/XX/2020 from Nationwide Recovery Services. The original consumer ; XXXX XXXX XXXX XXXX XXXX, has multiple dates of service that were billed to my insurance correctly yet they have XXXX that was billed to the WRONG insurance that I was never aware of. They sold the debt over a year ago to XXXX XXXX  : Account # XXXX who then sold it to Nationwide Recovery and something I never knew about till today when I called around asking. And now the collection agency has damaged my credit report for something that was not my fault. This debt should have been fully covered with my insurance but because I did not know about it I could not get it resolved earlier and now the collection agency is telling me they cant do anything about it and want me to pay them. The original consumer already sold the debt and will not help me resolve the issue their employees made. I do not know what else to do. I lost XXXX points off my score over something that should have never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: POPULAR BANK
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I have been trying to get a loan from Eloan since XXXX. They said I was approved and I still have n't gotten the loan. The reason why I have n't gotten it because they keep coming up with fees that needs to be paid before they can give it to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation