BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-27
Company: Experian Information Solutions Inc.
State: PA
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:
I submitted an investigation request to the credit bureaus back in early XXXX. I had no problem getting the results back from XXXX  and XXXX XXXX in a timely manner, but Experian is taking way too long. I still haven't receive my response from them.

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 2021-05-05
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: Investigation took more than 30 days

Complaint:
This is my 2nd and final attempt to get this matter resolved. My 1st attempted complaint was sent to the CFPB on XX/XX/21. Any further attempts will include additional complaints to thXXXX XXXX FTC as well as my States Attorney General. 

The date of my first letter was XXXX. I sent a letter regarding inaccurate and unknown things on my credit report. 

I feel that you questioning if my complaint was sent by me or not is an attempt to get around the rules set out by the FCRA in section 611 ( a ) ( b ) ( c ). 

I demand the accounts in question be deleted immediately or I will file for a litigation due to the XXXXl and emotions XXXX you have caused me. This matter has effect my XXXX and XXXX  wellbeing and I will seek damages if this matter is not swiftly resolved. My information was also impacted by the XXXX data breach.

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 2023-03-09
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I qualify under the criteria for damages for compensation under HAMP for wrongful foreclosure and other abuses. I was sent a check for XXXX for errors but I MEET ALL CRITERIA FOR COMPENSATION TO FULLEST EXTENT FOR FRAUD IN WRONGFUL FORECLOSURE REFUSAL TO MODIFY I DEMAND TO BE COMPENSATED IN FULL AS CFBP HAS ORDERED. 

I requested my file which Wells Fargo has refused to provide as well. I was told I would be contacted four weeks ago by " XXXX '' an executive but HAVE NEVER BEEN CONTACTED. 

Wells Fargo lied about not being able to get ahold of me as XXXX contacted them over a DOZEN TIMES ESCALATING IT.

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 2023-10-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2023 at XXXX PM I received an email from JPMorgan Chase Bank offering a {$900.00} bonus for opening a Chase Total Checking + Chase Savings account. 

I clicked on the " Open an account '' button in the email which indicated that the coupon code present in the email would be applied to my account, and proceeded to open both a new checking and savings account. 

I received a confirmation email that my new accounts were opened at XXXX PM on the same day. 

The terms indicated that I needed to complete two tasks : 1 ) transfer {$15000.00} in new money to the savings account within 30 days, and maintain the balance for 90 days from opening, and 2 ) set up direct deposit within 90 days of enrollment. 

For task 1, I transferred money on XX/XX/2023, and am still awaiting the 90 days. 

For task 2, I had my first direct deposit to the checking account on XX/XX/2023. 

On XX/XX/2023 I submitted a secure message to Chase inquiring about the checking portion of the bonus, since it had been about a week since I completed task 2. In my secure message, I asked to confirm if the coupon code was applied to my account. I was told that it wasn't applied, and in a subsequent message that it could not be applied since it was more than 21 days since I opened the account. 

I think this is unfair since the offer email and the account opened email are only two minutes apart, so it is clear that I followed the open account link present in the email. I also think this is unfair because there is no indication whether the coupon code was applied at the time of opening the account, and I couldn't have known it wasn't until Chase failed to pay the bonus well after 21 days when it would be too late for a customer service representative to correct it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 received an offer from Capital One to obtain a business credit card. So I called & applied. 
When I applied, the rep asked for my social security number. I advised her I was applying under my business Tax ID. She said they just use my SSN to verify my identity. They tried to pull my credit report but my credit was locked. I asked again that I did not want it under my personal credit. She assured me it was a business cards and would report under my Tax ID. I unlocked my credit so they could pull my report and verify whatever they had to do. 
Fast forward to yesterday, I received a credit alert that Capital One reported to my personal credit. The card and balance were reported to my personal credit, contrary to what what was advertised & what I was told.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have unenrolled from multiple overdraft programs multiple times that I never signed up for. Every time I call the bank and am overdrafted I find out that Im signed up for a new one. They dont process any transactions in order and they do this to purposely overdraft customers. Every charge is pending for a different amount of time and they have been purposefully choosing which transactions to process first and it always ends up with me overdrafted even though I should not be able to overdraw my account whatsoever as I have opted out of every overdraft service multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and myFico because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

XXXX. UPDATE AND SUPPRESS NEGATIVE INFORMATION XXXX. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. TRANSUNION AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any 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 2019-03-24
Company: Earnest Inc.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I refinanced a student loan with Earnest, with a payment amount of {$580.00} ( fixed rate ). The company deferred the loan, upon request until graduation. Upon graduation, I received a bill for {$590.00}. There had been no discussion of what the amount would be upon end of deferment. Ok, I understand this ; however, the following month my payment again increased. This time to over {$610.00}! I contacted the company and it took over three weeks to get this adjusted. They hadn't changed the end date after the grace period/deferment. I was told this was fixed and that my payment would be {$590.00} moving forward. I just received my statement and now it's {$590.00}. I want my payment and my account fixed! This should not be difficult. There are rules and regulations about billing correct payment amounts and this company is NOT meeting these.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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:
On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$3900.00}

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 2018-05-07
Company: Experian Information Solutions Inc.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
These two companies were filed on a bankruptcy and not removed from my credit report : 1. Judgement Case Case # XXXX Filed-XX/XX/XXXX Amount-XXXX XXXX-XXXX XXXX XXXX-XXXX -- XXXX XXXX XXXX Court-XXXX Circuit Court XXXX SD 2. Judgement Case Case # XXXX Filed-XX/XX/XXXX Amount-XXXX XXXX-XXXX XXXX XXXX-XXXX -- XXXX XXXX Court-XXXX County Court ( RD ) XXXX  CA Both cases were filed with a bankruptcy and granted at : Bankruptcy Chapter XXXX-DISC Case # XXXX Filed-XX/XX/XXXX Lact-XX/XX/XXXX Atny-XXXX XXXX XXXX Directory- ( XXXX ) XXXX Court-Federal District Court Cases one and two shown above are still on my credit report ; I need them removed so I may purchase housing.

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 2023-11-12
Company: Block, Inc.
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:
Transaction # 1 XX/XX/XXXX was an purchase made through XXXX with my card b/c it was stolen and i reported it stolen had to ask for a new card in the mail, i never made the alleged purchase dated. I disputed the transaction on XX/XX/XXXX they denied. 

Transaction 2 was a charge from XXXX for {$120.00} dated XX/XX/XXXX i tried to block transaction same day & cash app didnt do anything to block it while it was pending. I then had to escalate the issue so they do something about it i started the dispute on XX/XX/XXXX & they denied the dispute for me on XX/XX/XXXX. Any dispute i make ALWAYS gets denied they are not investigating anything they are just robbing their customers legally & getting away with it. Any other bank disputes the transaction and your voice is heard. Cash app always coincidentally favors against the customer. I called multiple times to find out the status of my diapute & i never recieved an answer as to why it was denied. They just push you off and make you wait XXXX business days so they can deny your dispute which is unfair. 

Transaction 3 was on XX/XX/XXXX i recieved a transfer for a service on cash app for {$300.00}. At XXXX i visited the bank listed cashapp atms to use and i tried to withdraw the total amount from the atm at XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX on XXXX  XXXX XXXX and the atm froze with my card in it i went and spoke to the supervisor and she said the atm was just serviced, and because it happened during store hours i was able to speak to someone and she emptied the atm and confirmed the XXXX was still in the atm and i never recieved it, i waited for over 30 minutes trying to get them to get my money and they told me i had to call my bank ( cash app ) and tell them what happened. They were giving me the run around so i gave my phone to the bank supervisor so she spoke to the agent on the line and explained what happened how it happened and that they are resposible to get me the XXXX back and they are delaying the dispute. I am sick and tired of being denied time and time again for disputes that i should have been refunded. I have made numerous phone calls, filed complaints to no recieve no responses and cant get a hold of a supervisor ever because when you call the agents say they have no supervisor so how is any issue that requires you to speak to a supervisor to be able to be resolved. In total the amounts of the 3 disputes that i am referring to sum up to the total of {$860.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account Number XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
When i had recently checked my credit report and found several inquires on my credit report that I did not do. I immediately called the said companies that had reported unauthorized inquires and they all told me I needed to contact the credit buraus. I called all three and were told there was nothing they could do and to contact the companies even though i had told them i already did. I then sent detailed letters to the buraus with proper identifations and have not this has not yet been resolved. I request all of these unauthorized inquires be removed from my report. 
XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : 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 2019-03-24
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX years ago my ex-best friend got a hold of my information and finance a 2012 XXXX from santander bank under my name. vin # XXXX XXXX when i learn of the situation a year ago, i tried to work with him and the bank to settle the account. but the bank resold the loan to a different bank and my friend change is phone number and move and i don't know how to get in contact with him. at this point my only option is to report this fraudulent transaction in order to try and get a hold of the vehicle and returned it to the creditors. for the past XXXX months i was under the impression the vehicle was returned which what him and i agreed on. but the debt is still on my credit, i have given the creditor his contact infor job and cell phone. they stop contacting me but i know he hasn't return the vehicle because he disappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX XXXXXXXX CAVALRY PORTFOLIO SERV XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: Carvana Group, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
My recent experience, it appears that there have been a willful and knowing violation of 15 USC 1611, which prohibits the willful provision of false or inaccurate information or failure to disclose information required under the provision of this subchapter or any regulation issued thereunder.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-06
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
A claim was submitted on XX/XX/XXXX and XX/XX/XXXX for XXXX XXXX XXXX and XXXX XXXX XXXX for wrongful credit reporting acts according to FCRA guidelines, violations of the SCRA and violation of OCC charge off guidelines by National Auto Finance Company. The Case numbers are XXXX and XXXX. Ally responded for the complaints on behalf of National Auto Finance Company and deleted the trade line from XXXX XXXX XXXX credit profile ; however, DID NOT delete the trade line from XXXX XXXX XXXX credit profile. The account in dispute was a joint account and the non-monetary relief should have been for both credit profiles. As of XX/XX/XXXX XXXX is showing 2 separate charge offs for XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX which is clearly an additional violation of FCRA as Ally responded on XX/XX/XXXX on both cases that they requested the consumer credit reporting agencies to update their records regarding the account and have the trade-in deleted based on the date of the first delinquency. This action was only requested for XXXX XXXX XXXX and not for XXXX XXXX XXXX which needs to be rectified immediately! This was a joint account the same non-monetary relief should have been given to the co-applicant, 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