BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-20
Company: Experian Information Solutions 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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

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 2023-11-15
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient is being held in a class action in multiple states for illegal practices. There have been lawsuits filed by several of the states allege that Navient broke a wide range of state and federal laws as a student loan servicer, including by pursuing a years-long scheme to steer borrowers into high-cost repayment options and away from income-driven repayment. 

I feel like I have been affected and apart of their illegal practices and something needs to be done for the people in Georgia to receive help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received 2 American Express Reward virtual cards from my employer for {$100.00} each. The first was received on XX/XX/2023 and the second on XX/XX/2023 These cards can not be used in physical stores but I can not use them in ANY online stores, either. They are declined at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and countless other online stores I've tried. 

The company claims that this is done to " protect [ my ] funds '' and I was told to just use them at another store. However THERE IS NO STORE that I can use these cards at!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: NC
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:
In XXXX of XXXX  I legally changed my name by court order. I then went through the process of updating Social Security, all credit cards, and all information anywhere, including my bank accounts. My lawyer assured me this would be all that I needed to do. In XXXX my car was totaled and I went through the process of getting a new car, however, when I applied for a loan in XXXX and again in XXXX, the applications kept coming back as fraud. The two financial agencies that took my information suggested I get in touch with Equifax to correct misinformation. I did and spent the end of XXXX through this date ( XX/XX/XXXX ) struggling with Equifax to understand why they would not update my account. I was told to fax my social security card, drivers license, and court order to them. I did. The request was ignored. I was told to file digitally. I did. This request came back as " resolved '' yet the name was unchanged. On XX/XX/XXXX I spent a day calling Equifax, talking to multiple people to try and find out why the situation was " resolved '' and yet my name was unchanged. I got multiple answers, some trying to be helpful, but most not. Everyone agreed that I had to fax my information again because digital was not acceptable. I was repeatedly told that these items had to be done " with the paper in hand '' and so I asked repeatedly where to mail the original court order to if that was the problem, and I was then given the runaround and told to fax it instead. Today ( XX/XX/XXXX ) I went to XXXX on suggestion of my lawyer to see what information was incorrect on my credit across the board. I was easily able to use my current personal information to locate my credit report. It is my belief that Equifax is being discriminatory and refusing to change this information when they have openly admitted that every step I have taken and every document I have sent is valid and proof of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: NJ
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:
Fraudulent inquiries Appearing On Credit Report.

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 2019-02-07
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Requesting information in regards to my VA Senior loan with Well 's Fargo. Also wanted to know was my home ever foreclosed on or not? Because there are some dependency in regards to my past VA home mortgage loan with Well 's Fargo in regards to past started foreclosure proceeding that were dismissed, as well a fraudulent activity. I have also requested copy 's of my entire past bill itemized payment history but has yet to receive it from Well 's Fargo which was several months ago now. I also wanted to know was the taxes on the home paid for by well 's Fargo until XX/XX/2018 upon the certificate of release of mortgage to 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 2023-08-14
Company: EQUIFAX, INC.
State: AR
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:
I have the one that is remove off two credit report because of fraud XXXX  XXXX is garshment of my wages and there almost paid but XXXX XXXX  has not prove that those my charges or not I was married at the time all so

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: U.S. BANCORP
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted over 20 times about resolving a debt that I have never created. I was left multiple voicemails from someone telling me that they were attempting to serve me with documents. I was told that I was being sued and that my wages were going to be garnished from a XX/XX/2006 debt with us bank, due to this being a bank it was a federal crime and I could be imprisoned. I called them to see who they were and what the debt was for. I was never given a name for this company I only obtained this by doing a XXXX search for the phone number. The person I spoke with kept saying that she was happy I was willing to pay, which I never agreed to do. I asked for a letter stating the the facts of the debt, only to receive a document email with a promise to pay statement attached that I was threatened to sign in 24 hours or risk being sued. XXXX XXXX is the person that I spoke with

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 2021-05-11
Company: Navient Solutions, LLC.
State: AZ
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:
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be validated or deleted and removed from my credit record, these items must be removed from the credit report as the mere reporting of items prior to debt validation constitutes collection activity. 

I have not supplied proof under the doctrine of estoppel by silence, Englehart v. Gravens ( Mo XXXX 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

This complaint letter is a private matter governed by the Fair Credit Reporting Act, and Consumer Privacy Bill of Rights. If you fail to heed to this notice, my next step will be to file a formal complaint against this agency with the Federal Trade Commission, the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Kingston Data & Credit International Inc.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Today, XX/XX/XXXX at XXXX XXXX I received and email, stating that I owe {$760.00}. They gave me a number to contact and I have got no response. I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: DC
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:
The bank, on behalf of XXXX, sent me a false, misleading, and materially incorrect letter. 

It refers to credit report data, but no credit report is listed. My credit reports are frozen due to identity theft. 

The reduction letter asserts that there is no mortgage data on my home, while I have a mortgage with XXXX and have had the same since XXXX. 

The report says I have too many inquiries, which are false, misleading, and fraudulent. I have less than four authorized I have inquiries. 

The bank says I have cars with high balances, yet I have at least four cars with a XXXX XXXX, overpaid ( credit ) balance, or no balance greater than XXXX XXXX of the authorized credit.

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 2023-08-03
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Late this past week, a credit alert website that I use to monitor my credit accounts and usage, flagged that I had a new account that was already being taken to a credit collection company for a fraudulent account. It had never appeared before and here are the details as they appeared on my credit report : Account Name : CREDENCE RESOURCE MANAGEMENT Account Number : XXXX Balance : $ XXXX Monthly Payment : -- - Account Information Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : XXXX XXXX Date Updated : XX/XX/XXXX High Balance : {$910.00} Original Creditor : XXXX XXXX Past Due : {$910.00} Pay Status : XXXX Estimated month and year this item will be removed : XX/XX/XXXX Remarks : >PLACED FOR COLLECTION< Satisfactory Accounts The following accounts are reported with no adverse information. For your protection, your account numbers have been partially masked, and in some cases scrambled. Please note : Accounts are reported as " Current ; Paid or paying as agreed '' if paid within 30 days of the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-23
Company: FC HoldCo LLC
State: FL
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:
Flagship Credit Acceptance reported in XX/XX/XXXX  that my account is 30 days past due. When in fact, I sold the car to XXXX and payment was received to them by XX/XX/XXXX  and account was paid off. I disputed the information twice as incorrect and they continue leave the account reported as Open, Late.

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 2021-03-25
Company: M&T BANK CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
Money was diverted from my unemployment benefit payments to routing number XXXX account number XXXX I do not own that account, and I have never banked with M & T. 
Someone diverted my unemployment direct deposits to that account and M & T will not take a complaint or make an effort to explain how this happened. 
My Name is XXXX XXXX XXXX number is 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 explanation
Consumer complaint received 2021-05-11
Company: Harris & Harris, Ltd.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please see and process our complaint against the above referenced collections agency and health insurance company operating within your jurisdiction. 

As per the attached, now our baby infant son XXXX XXXX has been referred to the XXXX XXXX XXXX XXXX XXXX collections agency, and this really XXXX me off. 

We could be patient before with delays/lacks of payments on already approved claims, while we dutifully pay approximately {$1300.00} per month without fail XXXX not easy ) but now these people are ruining our little baby 's life and credit. 

Please get them to pay this bill, as well as all of the other ones that were approved and in cue, so that no further collections letters are forthcoming, no one 's credit gets hurt/ruined, and to avoid a massive lawsuit from my law office against all of these individuals demanding actual and punitive damages in the millions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I attempted to clarify a technical issue using my debit card to make a purchase from Farfetch.com on XX/XX/XXXX in the amount of {$890.00}, the live chat rep by the name of XXXX stated my account does not have sufficient funds as of today, XX/XX/XXXX, transaction was authorized on XX/XX/XXXX when account had sufficient funds.. The account showed a pending charge in the said amount, {$890.00}, from XXXX on XX/XX/XXXX. However, I received an email from the merchant today stating order was cancelled for security reasons, their rep stated there is no block on their end and after looking into it further, Citibank declined it for whatever reason ... I suspect it was decined due to high amount, location of merchant, and or past fraud charges from another merchant which I reported recently and prior debit card ending in XXXX was closed out.. XXXX did not understand what I was explaining, the account was authorized, account had sufficient funds to cover it on XX/XX/XXXX, it was cancelled by Citibank..It appears to be a technical issue or Citibank flagged it because of amount and or location of merchant..As stated before, I attempted to clarify this but the live chat rep did not understand.

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 2023-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I took out a loan over XXXX years ago. It was for XXXX. I divorced and moved and couldnt pay the monthly payments. I never received any bills so I assumed it was a closed case. Suddenly I receive XXXX years later a court order to appear in court because of this debt. I emailed the lawyer that I could not attend that date because we had a wedding out of town and already bought the tickets. I didn't hear anything and then yesterday my husband and I saw all our bank accounts at Bank of America were frozen. We had no money available to us. They froze over XXXX. This included my husband 's wages and he is head of household. They also froze an account where I had money saved for my XXXX financial aid. This was to buy books for an upcoming term. We had no money, it was a Friday evening, and we have XXXX children. XXXX is an infant. I couldn't even go to the store to buy her milk. How can they do that? They froze all accounts, exceeding the XXXX XXXX we owed, taking my husband full wages when he the head of household. He also couldnt pay his child support from a previous relationship. Please help us get the money they took and unfreeze our accounts. We seriously have no money t live on. Case number XXXX. XXXX XXXX- it was issued by 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 monetary relief
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Good day, This issue is in regards to my credit report. I have several accounts listed below that don't belong to me. I have written letters to all three credit bureau and haven't received an response. This may be due to there being incorrect addresses reported on my credit report, such as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX My correct address is XXXX XXXX XXXX XXXX, XXXX XXXX. 
Below are the accounts : XXXX XXXX- {$200.00}. XXXX- {$210.00}. XXXX XXXX- {$280.00}. XXXX XXXX- {$1800.00}. XXXX XXXX- {$1900.00}. XXXX XXXX- {$4200.00}

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 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
To whom it may concern, On XXXX XXXX, XXXX I filed a complaint about the following reports being inaccurate : XXXX XXXX - date of report : XX/XX/XXXX. 
XXXX XXXX XXXX XXXX - date of reports:XX/XX/XXXX and XX/XX/XXXX. 
I asked for these to be removed from my report and I have not heard anything about this matter.

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 2020-11-13
Company: JPMORGAN CHASE & CO.
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I leased a vehicle through JP Morgan chase Bank NA in Illinois state. 
Use tax is included into monthly payments ( 7 % ). 
I moved to WA state where the use tax is 10 %. 
Chase bank, instead of calculating the tax difference ( 3 % ), just applied additional 10 % on top of monthly payment. As a result I am paying 18 % of use tax instead of 10 %. 
The bank denies the error in calculations and refuses to cooperate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I went to a Chase Bank on XX/XX/XXXX to open up an account and was told that someone had previously opened an account using my social security number on my XXXX birthday. ( I do not have an account with this bank ) On XX/XX/XXXX, I was told by numerous people at Chase that I needed to file a claim before anything could be done, which included providing proof of my social and filing a police report. On XX/XX/XXXX, I filed a police report and returned back to Chase Bank with all of the completed requirements in order to file my claim. When I returned to Chase, I was told that there was no record of my social being in their system and that obviously the claim had been taken care of. How could the claim have been taken care of if I hadnt even filed one in the first place? And how is there no history record of my information being in their system for almost 20 years? I received a letter in the mail today from Chase stating that my claim filed on XX/XX/XXXX has been taken care of. I never filed a claim on XX/XX/XXXX. I am also being told that no information will be given by chase Bank to the police regarding the theft of my social. Its a little strange to me that for almost 20 years my social has been on an account and no one notices anything until I start looking into it, and once I do all of a sudden the information is wiped from their system and theres no record of it? I find that extremely hard to believe and the fact that I continue to be dismissed by Chase makes me think that theyre trying to cover something up. I really need help getting to the bottom of this so any assistance would be greatly appreciated. Thank you! 

XXXX XXXX

Company response to consumer: Closed with explanation