BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am writing to request your assistance in correcting erroneous information on my credit file. There are accounts that belong to me but are reporting inaccurate status, which is misleading and adversely affecting my creditworthiness. I have reviewed my credit report and identified the specific accounts that require correction. Despite my attempts to resolve the matter with the credit bureaus and the creditors, the inaccurate information remains on my credit file. Please take a look at the following accounts and have them removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}. I am requesting that you investigate the matter and take the necessary steps to correct the erroneous accounts on my credit report. I am including a copy of my credit report with this complaint for your reference.

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 2019-06-24
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I cosign for someone on a car loan about 3 years ago. The borrower is allegedly trying to refince the car loan but the borrower haven't completed the process. I would like to be release as the co signer of the car loan, especially since the borrower has made ontime payments for the last two years. What could I do in this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I stopped by the Chase Bank branch located at XXXX XXXX XXXX, XXXX, IN XXXX. I deposited a check for {$130.00} ( Check # XXXX from XXXX XXXX ) and cash. When I got home, I realized the transaction had been deposited into the wrong account ending in XXXX. I contacted the corporate Chase customer service number and they informed me they would credit back {$40.00} and within XXXX days, they would credit the rest. It was never credited. 

In XXXX, I spoke with the branch XXXX, XXXX XXXX ( XXXX ) XXXX. I told me he would reach out to corporate. It has been a month and I never heard back from the branch XXXX or corporate support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Overdraft FEES. 
2nd Mortgage. 
Prepaid Credit Card Fees. 
I've been with Wells Fargo since XXXX. 
I've been charged numerous overdraft FEES over the years when I've specifically told them NOT to pay if the funds aren't available. 
I had a prepaid credit card in XXXX that was charged way too many fees even though they had my cash to secure the card. 
My second mortgage was foreclosed on erroneously in XXXX. 
Refund {$340.00} in overdraft FEES and interest into my account.

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 2020-06-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
EXPERIAN FRAUDULENT ACCOUNTS XXXX XXXX XXXXK XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: TX
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 hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX XXXX Account Number : XXXX The account referenced above is fraudulent and does not belong to me ; XXXX XXXX XXXX XXXX The contract that was signed holds the signature of an individual by the name of " XXXX XXXX XXXX . '' Please cite the documentation uploaded to verify this as well as my driver 's license. The signature on the contract and my license do not match. I'm 100 % sure that this was a fraudulent act committed against me. 

I'd also like to bring to your attention that all the names referencing this account are different across all three reporting agencies along with the payment history. 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

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 2023-04-21
Company: EQUIFAX, INC.
State: IL
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions 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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3700.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, and XXXX BANK XXXX Date Opened XX/XX/XXXX Balance {$21000.00}.

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 2023-04-21
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023, my discover credit card ending XXXX with my previous last name on was stolen and got 6 fraudulent transactions total in XXXX and XXXX XXXX with total amount of {$510.00}. I immediately reported the next day in the morning when I found out and a temporary credit was sent back. 
A month later, with no other information provided, discover had declined my claim. I had to re-submit another investigation with them and filed police report, credit report as they directed me to do so. After 30 days, they declined my claim again for reason of unable to contact the police. I have found FDIC laws and regulations under EFT ( electronic funds transfer ) that they should provide me a summary of disclosures I have signed upon account opening and providing evidence that the fraudulent charge was made by me. Otherwise, I am only responsible for up to {$50.00}. I speak with one of the supervisor at discover customer protection, he claimed that at this point there is nothing they can do, and if I want, I can have a lawyer contact their legal. 
Please help, if a lawyer is recommended, I am willing to fight for my right. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
What happened? 
I believe that Wells Fargo ( Visa-Signature Card ) is a collaborator in allowing fraud to be perpetrated on client Credit Card Accounts. They ( Wells Fargo Bank ) continue to allow ongoing fraud it so that they can collect their fees on the transaction and allow fraud to continue, to the loss of their customers. On XX/XX/2023 my wife and I contacted " get a room - Booking.com '' to make a XXXX day reservation at hotel in XXXX, XXXX. The vender informed us that the room would be {$1000.00} and once booked the funds were not refundable. Being " non-refundable '' was not an issue for us as we were going to be there at the appointed time. We agreed to that price, provided the vender our credit card info, and the vender then confirmed the reservation had been made and my credit card was debited for {$1500.00}. What? They added on {$510.00} for " taxes and fees '' without breaking down what amount was taxes and what amount were fees in addition to my not agreeing to that price. The final debit amount was never disclosed in the conversation until she said it was too late to cancel. ( red flag-one ) I asked that she reverse the reservation as she did not have my permission to debit that amount. I did not authorize that amount. She said that she could not reverse the reservation once made. ( red flag-two ) I asked to speak with her supervisor. I was informed that there was no one to speak to. ( red flag-three ) She asked me several times if I wanted to cancel the reservation, by saying " XXXX or XXXX! '' I answered by saying " Yes I want to cancel the reservation that I did not authorize. '' I filed a complaint a couple of days later with Wells Fargo and this has been going back and forth for several months now. I recently received a communication from Wells Fargo Bank stating " After further review of your dispute claim for the XXXX charge on XX/XX/2023, from XXXX, we confirm that it was handled appropriately '' WHAT? This is clearly a " bait and switch '' tactic, unscrupulous, illegal and fraudulent in my opinion. I am disgusted by the actions taken by this institution!

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 2021-08-28
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I went to Ace check cashing store # XXXX to cash check she said she was out of money but she could give me XXXX and put balance on card i agreed she put XXXX in 10 min XXXX was being taken off card in XXXX XXXX XXXX  while I was still in store in XXXX as soon as I swiped my money was taken before I left the store reference number Ace flare account my money was stolen by Ace check cashing I never use the card as soon as I swiped and loaded the card money was stolen. This happened at the XXXX Ace on XXXX in California. Dont use these check cashing for money transfers they are fraud transactions ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On or before XX/XX/2022 I disputed XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) .I the dispute was Marked verified. I reportly asked for evidence to support reporting verified but failed to provide any proof.

I have as ask them to give me the process, names of verification. The bureaus have not came with anything at all. Which is the FCRA 611 ( a ) ( 7 ) violation. 
Violations Fcract 807-8,15USC 1681n,1681i,1681s-2,1681i ( a ) ,611,616,617,623 ; 602 ( A ) ; 604Asec2

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 2023-07-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I recieved my tax refund of {$16000.00}, on a cashiers check from the XXXX  XXXX XXXX XXXX on the date of XX/XX/2023. At the time i had lost my ID and did not have my own bank account so a close friend of mine offered to cash it with her bank since she has done it before so we went down to Chase Bank to their branch in XXXX CA with the whole check check stub still attached sothe bank teller instructed us to do a third party endorsement ias the owner of the check shoukd write on the back " Pay to the order of " and insert my friends name right after then put my signature right under that and that that would make it a proper third party endorsememt then for my friend to sign it and deposit it into her account so shedid and then we handed it to the teller thenranthecheck immediztely they placed a 30 day hold on it saying the funds would be released after 30 days. We called XXXX  holds department to see what we could do about lifting the hold because i wanted my money before the they told us they needed to verify the check by XX/XX/2023 they did verify the check with XXXX XXXX  XXXX XXXX XXXX ( the issuers of the check ) So theyverified the check and recieved the money but come 30 days laterthey wont release the funds not only that they completely closed my friends account and for them to be released they wanted a number that is tied to my name the cell phone number i had wasametro pcs number on a family plan under my fathers name so i went down to XXXX GOT a brand new phone plan under my name then called XXXX gave them that number and Chase bank wouldn't accept it because in whatever database they run the number through it doesnt come back to the same name thats on the check which is my name i called the phone company they assured me its in my name so then i went with. A XXXX and got a phone withthat company since XXXX would be tied to my credit then it should be under my name i did that and Chase Bank still wont accept it ive even gotten an obama phone withthegovernment and not a single one of the numbers will work me along with my friend whos the owner if the XXXX account and XXXX the owner of the check have called somanytimes i haveeven gone down to the chase bank with XXXX of ID including my state ID and they will not release the funds that they dont do in person verifications anymore that they will onky verify it through the phone ive begged the issuers of the check to recall it but they say they cant do anything because they already funded it to the bank and it would have to be resolved with Chase XXXX dont knowwwhat else to do i XXXX XXXX to get a phone number that chase bank XXXX XXXX every dber ive tried they wont accept it theyre just keeping mY money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have a XXXX XXXX providing XXXX XXXX  and use an online entry system for show entries. Payment is made online using checks and services such as PayPal. I have been in business for over 20 years and have used PayPal for a number of years. For my XX/XX/2021 shows PayPal froze {$13000.00} in my account alleging " unusual activity ''. They refused to give any additional information after I talked to their representative on the phone. Days later, they informed me that they were holding {$10000.00} of my money as a " reserve '' to cover any claims that might be made against me. No such claims have ever been made. I will be allowed to receive my money after 45 days. Any addition money paid to me will be held for 45 days. I talked to another account representative supervisor who only identified himself as " XXXX '' he would not provide contact information. He said that the decision to with hold my money was final and that there was no way I could have it immediately. This is my money. PayPal is acting as a bank and has no basis for with holding money deposited in my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: Self Financial Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Your company is reporting an account on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal. 

These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report. 
I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: CL Holdings LLC
State: ID
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 was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. 

These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Jefferson Capital System 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX a purchase of {$1000.00} AND withdrawals of {$480.00} and {$470.00} were done. On XX/XX/XXXX two withdrawals of {$470.00} and {$240.00} were done. This is all fraudulent activity. These occurred in locations I did not visit or go. My card was always in my possession but bank states the chip was used and its impossible to clone. This has been proven false on multiple occasions. XXXX XXXX XXXX XXXX helped an individual in California who encountered the same problem and chase would not believe them.

Company response to consumer: Closed with explanation