BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-12
Company: FORD MOTOR CREDIT CO.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am submitting another complaint on Ford Credit for a number of issues again, in which my previous complaint was not answered correctly or accurately by Ford Credit, and thus I assume that Ford Motor Company would want to investigate the person who handled my previous complaint to see if they way I have been treated was not as a customer but as I can tell and others can as a person who is less than a human being, so in that regard perhaps a jury of my peers would agree with me that Ford does not care about customers whether they are former military members or not, not addressing individual 's complaints. My complaint before did not answer my own issues, and put in infomation correct, however, that may serve well in a future legal action as this account is still in dispute. 

My complaint today is Ford Credit still has not sent by mail, as I was told by the Redemption Department Supervisor that Ford Credit 's policy is not to allow me access to any of the document unless I " subpoena '' the documents which by my estimation is incorrect as I am not an authority of government, I merely asking by the law and common decency for myself to verify the loan documents and repossession which to date, Ford Credit has refused to provide over the phone, and perhaps in the phone recordings they can hear me ask for those documents or ask the individuals who gave me that information which I believe to be false, and I believe Ford Credit should change that policy if it exists as I anticipate it is against the law to not provide me copies of documents that are mine, they do not seem to create any issue I can anticipate that would hurt myself or others, perhaps it hurts Ford Credit potential case against me though, which is something a jury would have to decide is a valid way to settle a dispute with a customer, simply by ignoring customer requests with inaccurate and false information. 

Also, the New Jersey Division of Motor Vehicles is asking where the XXXX is and has threatened criminal action against me with a jail sentence, so while Ford Credit and myself are in dispute, will Ford Credit answer whether or not I deserve a jail sentence for Ford Credit 's negligence in simply mailing me the correct documents that my freedom is not taken away because Ford Credit simple did not provide me with documents. Also, I am disappointed Ford Credit did n't inform New Jersey the XXXX is possessed by them so that I do not face anymore adverse action than I already have, but perhaps Ford Motor Company does n't care about it 's subsidiaries Ford Credit and XXXX Ford just not caring about customers or the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Issue: Transaction issue

Complaint:
I am writing to your agency in hopes you can help me to dispute some charges made on my XXXX. I got contacted by XXXX by an unsolicited phone call. I paid them a total of {$8500.00}, which {$4500.00} was on my AARP visa card. XXXX promised me for services that were never rendered. I started with them on XXXX/2016 they called me saying I needed their services in order to my online business make money. I received nothing to this day. I was informed that I have 538 days to try to dispute. I decided to take a chance since I got involved in a mess. I lost close to XXXX paying these fraudulent companies and they ignored my calls after a while.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have attempted to dispute old student loans reported by XXXX several times in the past for for violations but they are still reporting on my credit report. I have attached a copy of how they are being reported. The numbers I reference below correlate to the attached copy of my credit report. 

Items 1,2 and 5 are being reported on my credit report with no Date of First Delinquency. This is against FCRA rules. There is no way to determine statute of limitations and as such these files need to be deleted from my credit report. 

Items 3 and 4 show a date of last payment of XX/XX/11. This is clearly beyond the 7 year statute of limitations for an account of this type. It is also incorrectly being reported as past due when they should have been changed to charge off status years ago. These accounts need to be deleted immediately. 

The inaccurate listings of these accounts on my credit are causing me financial harm as they are preventing me from being able to purchase a home for my family. I have disputed these items well over a year ago and was truly dismayed to find nothing had been done. 

Please assist me in looking into this matter and helping to get these accounts deleted as soon as possible.

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 2017-04-11
Company: GREAT WESTERN BANCORP, INC.
State: NE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I started asking in XX/XX/XXXX for someone to call me about my HILOC coming due. I asked in XX/XX/XXXX and again in XX/XX/XXXX when I visited the branch office. Finally in beginning of XX/XX/XXXX, I called an asked the persons name and location to have a face to face conversation. She gave me a short list of things to get and said they can do a 90 day extension. I brought the items to her. I received a regular bill for XX/XX/XXXX and paid it. Two weeks later I was told I needed 2 years tax returns, which I did not have. ( I have an email from customer service that said my loan was extended in XX/XX/XXXX ) Because I did not have my previous tax return, I was advised I could not do another HILOC, I had to do a morgage instead. She sent my info to XXXX to do a morgage. He contacts me several days later asking for the same info and he told me she could not have done a HILOC in XX/XX/XXXX due to the account was past due, this is now mid XX/XX/XXXX. I advised I did not have the tax returns, they were with XXXX, and due to their policy change I had to wait to file to get access to previous returns. I startged getting late notices for XX/XX/XXXX and my credit was being ruined, there was no extension, or it was reversed. I got the irs to send me my tax return so i could get the loan done, I had been approved just needed the copy he said. I did not hear from XXXX for several weeks and I started calling again. He finally sent me the loan docs, 6 days before closing. Then these doc 's had to be changed, and I could not view them till I got into the office to sign. No discussion was held with me what I wanted, the bank decided to lock me into a 10 yr morgage with payments nearly half my income and made me escrow my taxes and ins, which I did not want. I am borrowing about 60 % of value of home. I asked if I had to have auto pay, he said no, I can pay when ever I wanted which was good, i wanted to pay earlier to cut down on interest. He called 2 weeks after loan is signed asking for my drivers license info. Now I am now being told I have to go on auto pay and they can only pull my regular payment 1 month after the loan is signed. I feel I have been lied to and misslead the entire time with what I wanted to hear just to keep the loan with them. I feel they had me in a corner and i could not get out of, this is now 60 days and was another mark against my credit. To go anywhere else, would have taken more time and a possible forclosure, yes they sent a forclosure threat even though they were refinancing me. To go somewhere else now will cost me anotehr XXXX in closing costs. I want someone to look into their deceptive practices.

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 2021-12-14
Company: Bread Financial Holdings, Inc.
State: TN
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 involved in a number of data breaches and security issues that have previously been reported. I have reported the issues to the follow companies and including a bankruptcy. XXXX XXXX agencies are reporting data incorrectly after being notified. 
XXXX XXXX and XXXX Not XXXX XXXX XXXX XXXX XXXX XXXX Comenity BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 mine XXXX XXXX XXXX account number

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT / TOO MANY IQUIRIES NOT AUTHORIZED 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 explanation
Consumer complaint received 2021-03-02
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:
Please remove these items because I do not know them. Somebody took my personal information and managed these items. I do not recognize these inquires and therefore I kindly ask you to remove all of them because I can not afford loans anymore because of those unknown items in my credit report. Life is difficult especially when I see something like this! I am identity theft victim. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove these items because I do not know them. Somebody took my personal information and managed these items. I do not recognize these inquires and therefore I kindly ask you to remove all of them because I can not afford loans anymore because of those unknown items in my credit report. Life is difficult especially when I see something like this! I am identity theft victim. Thank you

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 2017-04-12
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Other

Complaint:
Citibank , N.A . continues to circumvent the CFPB process by sending me letters related to open complaints ( see complaint # XXXX ) while refusing to upload the responses to the CFPB. While the letter I 've attached from Citi purports to show that the CFPB was carbon copied, the letter was never attached to the open complaint. As I have stated in the prior complaint, my identity was stolen by my deceased husband to open the Citi credit card. I have asked for the signed application or anything that would show I opened the card and was told that it no-longer exists. After several months of back and forth, I received a letter with copies of XXXX checks that I signed that says " I acknowledged the debt. '' During my husband 's XXXX he spend nearly 30 days, split up over several overnight inpatient stays, to have multiple XXXX in the last year of his life. I 'll reiterate that my husband handled all financial and banking issues during our 40 year marriage. The XXXX checks Citi provided with my signature ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) all correspond to dates that my husband was in XXXX recovering from XXXX. During those inpatient hospital stays my deceased husband was XXXX he was unable to sign his name and write. For this reason alone, he asked me to bring his checks to the hospital, indicated who should get checks and for what amount, and asked me to sign the checks on his behalf. At no time did my deceased husband explain to me what the checks were for - I was just following his instructions while he was in the hospital. The concept that my signature on these XXXX checks in this specific situation would " acknowledge the debt '' and make me liable for his obligations is utterly absurd. I have already filed an FTC Identity Theft Affidavit that was signed and acknowledged before a XXXX County, Maryland police officer. As I have repeatedly indicated, I will do this again if Citi requires yet another statement my me under oath that the Citi credit card was never mine.

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 2017-04-12
Company: LEXISNEXIS
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Describe what happened so we can understand the issue ... 
I called on XX/XX/2017 to file a dispute on my report because of information that was not correct at all. It was not what was told to the company that reported it and the result was the continued raise in insurance rates even though I was a customer for years and I did n't understand why. Upon leaving I found out about the erroneous reporting. I called for the dispute and on today XX/XX/2017 I called to check status since it had been 21 days and I was told that she, XXXX the rep I spoke with, could not even find the dispute. This was outrageous! It is a way to continue to gouge customers and continue to force lies regarding people. Fact checking need to be done before reporting, it affect lives of people, because citizens have to jump through hoops to get it corrected and it cost time and money that we already can not afford. This has cost me years of money and I am already owed a refund of my current insurance pending the correction of this documentation. I am demanding compensation for this outright lie. I can not be at fault for an accident that is not my vehicle, when I am the passenger in someone else 's vehicle! It is impossible. This needs to be corrected immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is reporting an amount of {$140.00} owed for a medical bill to XXXX XXXX XXXX XXXX on my Experian report. I'm getting weekly updates from Experian indicating that XXXX XXXX is updating the reported debt even though the debt has been paid in full. Have indicated to Experian and XXXX that this has been paid and provided proof. Experian is repeatedly breaking the law and is committing fraud by repeatedly reporting a debt they know to be paid in full before the debt is being reported as past due.

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 2021-12-14
Company: GreenSky, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I had our contracted XXXX dealer out to fix my furnace. As soon as he saw our 8 yr. old furnace he said these furnaces are NOT very good. He looked at it and said it needed {$5000.00} to fix. He then became a salesman and showed me his brochure of XXXX XXXX systems. Prices were outrageous ours was {$16000.00} I asked was there a discount for cash and he said no. He said I can get you ZERO interest loan at $ XXXX for 60 months. I signed an XXXX to get furnace installed. I did NOT agree to these terms because I would wait for the hard copy explanation of the loan and decide then. To this date I have not received a copy of the loan agreement, bill of sale, financial figures, building permits, a completion form, or final inspection from our county permits dept. Officially the furnace work is INCOMPLETE! 
XX/XX/XXXX I get an email from GreenSky, XXXX XXXX XXXX, XXXX, GA XXXX. Email said they had charged me {$16000.00} for my furnace ( payments XXXX X XXXX mos ) and had set up an account! I did NOT give them permission to do this. I protested and they sent me an email. We called the lady in charge of protests and she said we signed the contract that I NEVER saw! 
I think GreenSky, in collusion with XXXX dealer, charged me INTEREST up front in violation of the Truth in Lending Act! The outrageous price ( XXXX above MSRP ) indicated there was extra fees added and they TRIED to call it NO INTEREST loan. I did not agree to the terms and ONLY signed the order form to get a furnace installed. 
I would appreciate any help you could send my way. My credit will be ruined and a lien put on my house, and possibly get sued. GreenSky lost a XXXX XXXX lawsuit in XXXX, XXXX for the same practices! Now they are doing it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2021, I sent each credit reporting agency ( XXXX, TransUnion, and XXXX ) a letter ( per their request ) requesting my consumer report, consumer file and investigative file. AS of XX/XX/2021, I have not received any of the 3 documents I have requested.

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 2021-12-14
Company: EQUIFAX, INC.
State: OH
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
According to the CFPB website Trans Union violated a 2017 law enforcement order for the improper use of a credit report. I would like a clean slate on my Trans Union report excluding current active credit lines.

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 2018-07-31
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was settle and I requested the account to be deleted from the credit bureau. I disputed through XXXX and the company refused to delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is a name on my report that is not mine which is XXXX XXXX i have never been by that name and always went by XXXX XXXX i am asking for you guys to remove the incorrect name on my file and the bankruptcy that is on my file is not mine its not my name please remove anything that has XXXX XXXX on it off my report please and thank you

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 2019-06-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 someone stole my wallet and used my cards in my wallet while I was working in XXXX XXXX, XXXX. ( 1 chase debit card, 2 chase credit card ) to make purchases. I called my bank and froze everything, but my bank rebilled me for XXXX $ from XXXX XXXX XXXX in XXXX, NY. I called them to explain that someone stole my wallet on XX/XX/XXXX and that was not me doin the transaction. I sent in 20 pages of documents proving I was at working in XXXX XXXX while the transaction was being made in XXXX. The documents included my police report, 4 Surveillance camera photos of me working at the time of the transaction, A letter from my manager stating I was at work, My phone log of call chase on XX/XX/XXXX. However, Chase continues to decline my dispute after all the overwhelming evidence I sent to show them I was not in XXXX. Their reason was because I did not report it stolen, but at that time I was unaware that my wallet was missing. I found out after the credit card call told me to check my pant. I called multiple time to tell them it was stolen. Their argument is that it was a chip on chip transaction and the store is in my geographic location so it was obviously me. However, I sent in documents to prove I was not in XXXX at the time of the transaction, but my bank continues to ignore the facts. They continue to deny my case and adjusting my balance accordingly. I have proven I was not in XXXX to make the transaction and that my wallet was stolen from me. It has been such a headache dealing with chases recovery department and their method of investigation. It is so absurd how they do investigation while I have proven that it was not me.

Company response to consumer: Closed with monetary relief