BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-04
Company: EQUIFAX, INC.
State: SC
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 NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
Capital one credit card was opened in my name without my knowledge on XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03
Company: The J. G. Wentworth Company
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I mailed my mortgage payment to JG Wentworth in XXXX, NJ as I have done the last 4 years without any problems. Since I am less than 200 miles from XXXX, NJ, it only takes a couple of days for them to receive it. Last month, it took 21 days for them to post my payment. Although they waived the late fee, I still paid an additional 21 days worth of interest because they didn't post my payment timely. To stop any adverse action from happening, on XX/XX/XXXX, I mailed another payment. As of today, XX/XX/XXXX, that payment hasn't been posted. I repeatedly called them and checked online for the prior payment. They claim they couldn't find out. They were supposed to be doing a desk check for my payment. It wasn't until I called them on XX/XX/XXXX and threatened to call the United States Postal Service Investigating Unit and the Maryland State Attorney General 's Office on them that they miraculously find my payment. I know JG Wentworth is in bankruptcy ; however, I find their behavior to be unscrupulous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a debit card from a bank I have not used for years, so i went to the bank explained the situation and they did some verification, and it was identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: Incomm Holdings Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Vanilla agreed that they owed me {$72.00} and they would send it in a check with XXXX  that would have been here back in late XXXX. That was just more of the XXXX. I have received nothing and wasted at least 20 hours with that company. I am sick and tired of all this XXXX. Vanilla should be not be allowed to do this to people. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Experian : XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$330.00} XXXX  XXXX XXXX XXXX XXXX XXXX Balance {$300000.00} XXXX XXXX XXXX Balance {$800.00} XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$530.00} XXXX XXXX XXXX  XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$330.00} XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$300000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$770.00} XXXX XXXX XXXX XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$490.00} XXXX XXXX XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$98.00} XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$290000.00}

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 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive been a victim of 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 non-monetary relief
Consumer complaint received 2018-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a couple apps that help with budgeting and overdraft alerting and capital one will not give them access when I use the secure log in and put in the security code.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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 non-monetary relief
Consumer complaint received 2023-06-02
Company: HUNTINGTON NATIONAL BANK, THE
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened my business account with Huntington Bank on the XX/XX/2022. 
I did it at the branch in XXXX, IL and applied a promotional code gives promising {$1000.00} credit for deposit {$20000.00} of new money in 30 days and hold it for 60 days. 
I met all the requirments on the XX/XX/XXXX, but unfortunately the bonus was not issued to me. I even deposit {$50000.00} to the account in XXXX to be safe. 
When I contacted the customer service, they couldn't explain why it was not issued and can not fix it. They asked me to come to the branch. 
When I came to the branch, they confirmed that I'm elligible for the bonus, collected my information, but never followed-up to me after a month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-10
Company: I.Q. DATA INTERNATIONAL, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
My husband was contacted by XXXX from IQ Data International on his work phone in the middle of a work day. He then asked her to speak with me as I do the finances. XXXX then proceeded to ask him several questions regarding how much money he makes, how much money I make, the price of our mortgage. My husband repeatedly asked her to reach out to me, XXXX then put him on a hold to see if that could happen while she consulted with her manager. Her manager then threatened my husband with an evasion of debt if we didnt respond in one hour and persisted he stay on the line. My husband disconnected the call as he was in the middle of his job. I then contacted IQ Data after my husband informed me of this and was transferred to XXXX. XXXX was extremely unprofessional in her mannerisms as I asked her to verify the debt, she accused me of not changing my address upon moving. Given her tone, I asked to speak with someone else, XXXX refused to transfer me initially. It took several times of asking to speak with someone before I was finally transferred to a voice mail. I then left a voice mail stating I would be interested to discuss this with someone other than XXXX and to return my call. Nobody ever returned my call. I tried several times to contact that office throughout the day and the phone line would just disconnect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had someone steal my Apple ID on XX/XX/XXXX and I have {$500.00} in Apple Cash and {$3500.00} Im my Goldman Sachs Savings Account and I have been calling and talking to various people everyday there to try and get my money. I keep being told that my account is under review. No one will tell me what that means and why its under review since this savings account has nothing to do with my Apple ID like Apple Cash does. Finally yesterday after being transferred to several people, I was promised that someone from corporate would call me by the end of the day but possibly within the hour and I still never heard from anyone. 

I also have no way to even get into my savings account. They all seem to be so secretive for some reason. Seems fishy to me and I thought they were a huge bank. 

The funny thing about all of this is that someone cloned their phone number and called me from a number that shows up as their number and even says Goldman Sachs and that is how I got scammed and got my Apple ID stolen in the first place. Goldman Sachs is well aware of the problem about their phone number being cloned as they are the ones that told me about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with BMW FINANCIAL SERVIC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and BMW FINANCIAL SERVIC with no successful resolution. XXXX  was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX 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 non-monetary relief
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$990.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-06-02
Company: JPMORGAN CHASE & CO.
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
PLEASE SEE ATTACHED DISPUTE DETAILS, AND ALL OTHER FACTUAL DOCUMENTATION, PLEASE NOTE THAT DUE TO BANK ERROR, I DIDI NOT RECEIVED THE MERCHANDISE THAT I HAVE PAID {$3000.00}, I HAVE NOT RECEIVED THE {$3000.00} CREDIT. 

THIS IS UNJUST ENRICHMENT, AND IM DEFRAUDED AS THE BANK WILL NOT CREDIT MY {$3000.00}. 

PLEASE SEE ATTACHED ALL CORRESPONDENCES AND LETTER OF DISPUTE I HAVE SENT CHASE BANK. 

THANK YOU, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: DISCOVER BANK
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX XXXX XXXX  2 Accounts keep recording incorrect information on my account as well as XXXX. These accounts are listed by the FTA local authorities and every other credit reporting agency available including credit account freezes etc. I have sent certified mail etc included all identifying information asked and they continue to report identity theft fraudulent information on my accounts, these accounts are not mine. Fraud! I have certain rights by law!! 
Discover Bank fraudulent account XXXX XXXX XXXX  Fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX fraudulent reporting XXXX XXXX tires and credit accounts Fraudulent not correctly reporting, I have receipts of accounts paid in full, My bank XXXX XXXX XXXX. XXXX fraudulent spending of deposited checks fraudulent. I have contacted local and fta and froze every other credit reporting. I have a truck and student loans that is it this needs to stop Im a victim, please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021.

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 2023-06-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
In XXXX we purchased a timeshre with XXXX, i paid XXXX dollars on my debit card and XXXX dollars cash. 1 week later we decided not to keep the timeshare and cancelled it. We were told it was cancelled and would recieve a full refund. On XXXX a payment fro XXXX dollars was taken out of the account for the timeshare. At this point we made a dispute for both transactions adn got a temp credit from USAA for XXXX and another for XXXX several days later XXXX gave us a credit fro XXXX dollars and said that this was for the deposit that the remianing XXXX would be credited back once they recieved a tablet they gave us and told me that the payment fro XXXX was never issued to them. They sent me a statement where it shows they recieved the payment and same day the funds where pulled back.I told the bank thatthey had the dispute worng and that the refund recieved was indeed for the deposit as XXXX didnt recieve the XXXX paymnet. They said they would update the dispute and i had to wait. after several weeks of back and forth and me calling every week they went ahead and closed my case. The bank is sayign that the XXXX dollars recieved by XXXX were for the monthly amount taken in XXXX and that the payment made fro XXXX could not be disputed as it was past the 30 days. I am still short XXXX and the bank says its not on them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: SYNCHRONY FINANCIAL
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:
I review my report and I saw this account reported inaccurately. XXXX and XXXX late on XX/XX/2018 and XXXX is late on XX/XX/2018. I don't remember being late on this account cause I always paid on time. Please help.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$900.00} XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-05-14
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: Account information incorrect

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : 1. XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX 2. XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX EQUIFAX : 1. XXXX Inquiry Date Sep. XXXX, XXXX 2. XXXX XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation