BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: WELLS FARGO & COMPANY
State: NJ
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 happens to be an ongoing issue that has been happening since XXXX almost 1 year now of being scammed and my credit card charged over {$6000.00} that this guy XXXX who claims he was a XXXX representative who scammed me out of {$6000.00} plus money from my credit card in which I refuse and will not pay because XXXX is what he told me his name was scammed me. I have been going back and forth with Wellsfargo about this and how this has affected my credit which my credit was High XXXX 's, now it has dropped to XXXX 's. I spoke with the Executive Office of Wellsfargo ( XXXX ), he opened up another claim for me in which I gave him a little more information. Once again I am not paying this amount that was charged on my phone in which this XXXX person had me download this app in which he entered my phone and was able to navigate through my bank informing. His initial attempt was to help me get {$500.00} back from someone that I was scammed from XXXX  a month earlier, I was scammed 2 times within the same month {$500.00} and also this {$6000.00} plus which I am not paying that at all, I can not afford that why would I wire something somewhere I have no idea who these people are. I have texts from this person who did this to me telling him I hope you are not scamming me, all I want is my {$500.00} back ( Fake XXXX representative ). Who turned XXXX into over XXXX. Once again I will die oweing this money because I do not have XXXX to pay anyone

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 2023-08-31
Company: EQUIFAX, INC.
State: MO
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: EQUIFAX, 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: TRIDENT MORTGAGE COMPANY, LP
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On about XX/XX/2020 I used my credit card as defined under 15 USC 1602 ( a ) ( i ) to extend myself credit through TRIDENT MORTGAGE COMPANY LP, for total of {$120000.00}. They unlawfully discriminated against me and violated Federal law 15 USC 1602 ( a ) ( p ) they used my credit card with no lawful or apparent authority, and I the cardholder and consumer did receive any benefit from the transaction. They denied me by way of an adverse action letter, as they attempted to explain why I was denied. As the applicant and consumer I in good faith exercised my right to extend credit and as a creditor and Trident denied me for the mortgage no certain reason. They knowingly without lawful authority used my means of identification as defined under 18 USC 1028 ( d ) ( 7 ) to commit fraud, discrimination, and aggravated identity theft. Per the Equal Credit Opportunity Act, its unlawful for any creditor to discriminate against an applicant with regards to ANY credit transaction. This in fact was a Consumer Credit Transaction and I was discriminated against.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-04
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid Snycrony off for XXXX XXXX ( flooring ) ; promotional amount et al.via XXXX payments on the same day. Unaware they cancelled my second payment, I focused on the other damages/ payments to my home as a result of this service/ situation ( " termites '' / XXXX )/ they'd already exposed my home and I was expecting at the time/ had to finish ). They then began writing and calling just past the point of fixing this equitably and charged the promotional interest. Speaking to several " agents '' since they've admitted canceling and causing this issue but will not reverse/ remove all bogus interest charges despitetryingtogo throughtheir mediation process and being out of work. So far, I have only been routed through an XXXX call center. I'm not confident this isn't a scam, even on behave of Syncrony. They supposedly have a file and recordings admitting fault. I don't have additional money for bogus charges, as I had to repai my home after exposure, I'm still getting treatment for termites, and still sick from XXXX symptoms and not recovered financially, etc.

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 2022-12-05
Company: Experian Information Solutions Inc.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX 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 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 seven 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 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 2022-09-23
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I reached out to XXXX XXXX regarding a 30 day late that was reported to my credit for XX/XX/XXXX. At that time, I reported that my loan was transferred on XX/XX/XXXX. I immediately set up auto payments, which meant at that time I had autopayments for both XXXX and XXXX XXXX, but neither took the XXXX payment. The autopayment was made through XXXX XXXX for the XXXX payment, so I felt confident that it was set up right. On XXXX I received notice that my credit report said that there was a late payment. I logged in to XXXX XXXX and it said that my XXXX, XXXX, and XXXX payments had not been taken. I immediately paid them and called. They informed me that since the XXXX payment was missed ( even though I had 2 autopays set up at 2 different companies ) they cancelled the autopay ( and did not notify me ). They apologized profusely and made the correction to my credit. On XX/XX/XXXX I received notification that XXXX XXXX had now reported a 60 day late for XXXX. 
On XX/XX/XXXX, I called the XXXX XXXX Customer Service number and was told by the representative that she would place the request to have the 60 day late removed. I also never received an update saying that it was in process like I did the first time. I reached out to them again XX/XX/XXXX and was instructed to email at XXXX. I did so on XX/XX/XXXX and got an automated response, but nothing has been done. As of today, XX/XX/XXXX it has not been corrected.

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 2022-09-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have two vehicle loans with Chase Auto : account # XXXX for a XXXX XXXX and account # XXXX for a XXXX XXXX. The Chase payment history on both account shows no payments credited after XX/XX/2022. As off XXXX XX/XX/2022, I have been given notice of loan acceleration regarding account # XXXX that the full loan balance is due or the vehicle will be repossessed. Phone communication with Chase has been frustratingly unproductive as they are uninterested in doing more than transferring me to another department that either ends up with a dropped call or a call that goes unanswered and they only want to know the location of the vehicles. 

Chase has act # XXXX past due by {$2000.00} and act # XXXX past due by {$4100.00}. 

I have bank statements and checks documenting payments leaving my account and going to Chase bank. None of these payments have been reflected on my account. The payments are as follows : XX/XX/XXXX - act # XXXX in the amount of {$490.00} XX/XX/XXXX - act # XXXX in the amount of {$940.00} XXXX XXXX - act # XXXX XXXX  # XXXX in the amount of {$1800.00} XX/XX/XXXX - act # XXXX in the amount of {$1000.00} XX/XX/XXXX - act # XXXX in the amount of {$940.00} XX/XX/XXXX - Act # XXXX XXXX  # XXXX in the amount of {$490.00} XX/XX/XXXX - Act # XXXX XXXX  # XXXX in the amount of {$940.00} I have attached my bank statements from XXXX - XXXX with unrelated information blacked out as well as images of the checks. 

Chase has also reported to the credit bureaus causing a significant negative impact to my credit score. 

I don't know if someone in their organization refused to credit the payments and pocketed the money or what, but its a very shady business practice. 

I have also filed a complaint with the XXXX XXXX XXXX ( # XXXX ) and will be filing a complaint with the Credit Bureau 's regarding this fraudulent behavior from Chase. 

I can only hope that this situation is an anomaly and other customers of Chase have not also suffered from this unprofessional business practice. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX  XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX ( XXXX XXXX XXXX ), Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX XXXX XXXX XXXX ), and Account # XXXX ( XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 2023-09-04
Company: EQUIFAX, INC.
State: VA
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 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 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 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
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 have disputed a bankruptcy being reported on my credit report. XXXX had deleted it upon not being able to verify but Experian and XXXX updates it without deleting. I contacted the courts who stated they do not report to credit agencies being it is a violation of privacy laws. Attached a letter will be included. My consumer rights state you can not obtain information from a third party but rather the original party only. Being I have proof the courts did not supply this information I have a right for removal.

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 2023-08-15
Company: EQUIFAX, INC.
State: NC
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:
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. 

1. Did not consent to unauthorized inquiry. 
XXXX Inquired on : XX/XX/XXXX Please Remove It From My Credit Report. 

2. Did not consent to unauthorized inquiry. 
XXXX XXXX Inquired on : XX/XX/XXXX Please Remove It From My Credit Report. 

3. Did not consent to unauthorized inquiry. 
XXXX XXXX Inquired on : XX/XX/XXXX Please Remove It From My Credit Report. 

4. Did not consent to unauthorized inquiry. 
XXXX Inquired on : XX/XX/XXXX Please Remove It From My Credit Report. 


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 seven 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 explanation
Consumer complaint received 2022-12-05
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job in XXXX of XXXX, due to having to care for a sick parent full time. On XX/XX/XXXX, I requested payment assistance/mortgage assistance due to a temporary loss of income. The rep that I spoke with suggested that I apply for mortgage assistance ( call around XX/XX/XXXX ), when I called back a week later to confirm the program another rep advised that I needed to apply for unemployment forbearance. While speaking with the rep I advised of my situation and that I no longer had income. After this conversation I applied for the assistance and sent in all required documentation. Over the course of XXXX I spoke with at least 11 different reps who all advised me of different information regarding the program. I was lied to, misinformed and given false untrue information. After being so frustrated and confused I requested a supervisor on XXXX XXXX, who assured me that my credit would be protected as they were giving me credit suppression due to my situation. ) The supervisor also advised that I did not qualify for the unemployment payment program because I had no income. I feel like I was lied too because the reps knew I didnt have income and still told me to apply ). I called back over the course of the next 3 days XX/XX/XXXX, and XX/XX/XXXX I was given false info. I was advised that the supervisor lied to me!!!! That there was no credit suppression and if did not make a payment my credit would have a negative remark for a late payment! This is ridiculous, the amount of times that I was lied to and was given false info is sickening.

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 2022-07-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX - Account # XXXX Balance : {$180.00} In accordance with the Fair Credit Reporting act Account # 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 XXXX XXXX XXXX Account # XXXX Balance : {$140.00} In accordance with the Fair Credit Reporting act Account # 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 XXXXXXXX XXXX XXXX- Account # XXXX Balance : {$140.00} In accordance with the Fair Credit Reporting act Account # 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 XXXX XXXX XXXX- Account # XXXX Balance : {$1900.00} In accordance with the Fair Credit Reporting act Account # 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 XXXX XXXX XXXX  Account # XXXX Balance : {$100.00} In accordance with the Fair Credit Reporting act Account # 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 XXXX XXXX  XXXX Account # XXXX Balance : {$150.00} In accordance with the Fair Credit Reporting act Account # 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 XXXX XXXX XXXXXXXX. Account # XXXX Balance : {$1700.00} In accordance with the Fair Credit Reporting act Account # 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 XXXX. XXXX XXXXXXXX Account # XXXX Balance : {$370.00} In accordance with the Fair Credit Reporting act Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: ALLY FINANCIAL INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ally financial was repeatedly contacted with accounting audit request and validation. All requests were ignored. Negotiable instrument was received, never applied and never returned. Securities fraud was reported to IRS and transcripts received from IRS show no record ever filed by Ally. On XX/XX/2023 third party reposession company was hired by Ally, which is direct violation of fdcpa 15 USC 1692f.Ally shared private, non-public information with third party collection company and all three credit bureaus. Being reported for identity theft

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