BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-22
Company: SECURITY FINANCE CORP
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A finance company Security Finance opened and closed account 6 ( six ) times XX/XX/XXXX to XXXX XXXX then open it again on XX/XX/XXXX and closed XX/XX/XXXX and opened again XX/XX/XXXX and closed XXXX XXXX and opened again XX/XX/XXXX and closed XX/XX/XXXX and opened again XX/XX/XXXX and close XXXX  XXXX XXXX and then again on XX/XX/XXXX and closed XXXX XXXX. They did this on XXXX and XXXX  which neither of these 2 companies informed me of anything.This is not ACCEPTABLE. I can't imagine how many laws and rules have been broken, All I know is I feel VIOLATED BY ALL INVOLVED. Security Finance, XXXX and XXXX. How to DEFEND with so many OFFENSES?

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2023-09-18
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Usa auto sold me a car with a rusted out frame and it broke Westlake management portfolio bought contracts and won't help I live in Georgia and no way this rusted out this bad in the little time I had the car

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
Equifax dropped my score XXXX points from XXXX accounts that was opened in 2020. These accounts ware reported opened in 2020 when they were originally opened and has since been on my credit in good standing and has reported every month since 2020! These accounts should NOT have affected my score unless they were in bad standing! I feel as though Equifax is targeting my credit from my previous complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
We recently had a credit of {$1700.00} in XXXX which was reposted back to our our account after it was previously deducted back out of our account due to a 3rd party vendor fraudulent charge on our account which caused us {$340.00} in fees since XX/XX/XXXX and was told that overdraft fees would be reversed back into our account, once the credit or {$1700.00} reposted back to our account. Had those monies been in our account we would not have incurred the fees and we are requesting a refund of {$340.00} in fees which were charged to our account during the period of time the {$1700.00} it was deducted and also reported the issue to Customer Service over the phone and via their Customer Service Portal and was informed in their email message that they could not help or did not have insight to our claim. 

This is not true. Wells Fargo Claims and Customer Service Reps did not make a concerted effort to help us resolve this matter and are reaching out to CFPB to help us with this matter. Also, we experienced some retailiation from the Wells Fargo Claims or Banking Department since we filed a couple of compliants with CFPB regarding the {$1700.00} which was previously taken back out of our account, although they were provided with proper documentation. We have since experienced retaliation in being able to utilize the overdraft protection program which we have affiliated with this card. Also, they rejected a Utilities Bill payment which came through for {$50.00} and believe this was done intentionally as a result of us previously reporting Wells Fargo on several occasions regarding the {$1700.00} debit matter. Also, they have restricted the card with being able to get cash back which was also previously part of the Overdraft Protection plan as well. We are now being punished and retailiated against because reported them and can not fully utilize the Premium benefits associated with my Checking account. This is very ruthless and discriminatory behavior as well.

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 2022-12-15
Company: Paypal Holdings, Inc
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Initiated a transfer of {$420.00} out of Venmo on XX/XX/11 to be deposited into a personal account. The company is refusing to release funds and won't tell me why. They keep giving me a general copy and paste answer and no additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent this letter XX/XX/XXXX, to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. Transunion is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and XXXX is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. 
XXXX  XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Unsecured loan Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$4900.00} {$4900.00} {$4900.00} No. of Months ( terms ) : 60 60 60 High Credit : {$6000.00} {$6000.00} {$4900.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$4900.00} {$4900.00} {$4900.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX. Charged off account Unsecured Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/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 2018-05-10
Company: CORELOGIC INC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX I placed an application on a 2 bed/ 2 bath & den at the XXXX   at XXXX and CoreLogic violated Fair Credit Reporting Act, 607. Compliance procedures [ 15 U.S.C. 1681e ] : Section ( b ) Accuracy of report. " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' CoreLogic erroneously reported an unverified non-existing open court judgment for $ 3,500+ with my CURRENT property management company XXXX XXXX XXXX dated back from XXXX. How is that possible if Im a current tenant in good standing? Had CoreLogic followed reasonable procedures to assure maximum possible accuracy, such as checking the actual court records or contacting the alleged judgment holder that I currently am still leased under, this erroneous open landlord/tenant judgment would not have been reported. As a result on XX/XX/XXXX ; I received an Adverse Action Letter from The XXXX at XXXX advising me that they are unable to approve my application : " This adverse action has been taken in accordance with the requirements of the federal Fair Credit Reporting Act, 15 U.S.C. 1681m ( a ).

This decision was based on : [ X ] Information contained in consumer report ( s ) obtained from or through CoreLogic XXXX XXXX XXXX XXXX, which may include credit or consumer information from one or more credit bureaus or consumer reporting agencies. '' I reached out to CoreLogic on XXXX XXXX and that is when I learned of this " outstanding judgment '' when I asked the representative did they verify that information prior to " selling '' this inaccurate information to a leasing company that determines if I get approved or denied for a rental lease. She said no and stated that " it must not have been updated ; I'll submit a dispute now and you will the results within 30 days ''. This is a very difficult development to secure a 2bed-2bath, Den and I have a deposit that is about to be refunded to me due to this error. After explaining the urgency ; I requested if they could expedite it because there is no court records or my current property manager to confirm this information ; I was told no.

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 2023-01-27
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Call log XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Called them back at XXXX at XXXX told them to stop calling they said they cant unless I give them my information and social security number. 
XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX called left voicemail at XX/XX/XXXX XXXX blocked phone number XXXX XX/XX/XXXX XXXX called left voicemail and I blocked the number. 
This has been going on since XXXX of XXXX with different numbers. 
Number they want me to call back at XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Fedloan is reporting inaccurate late payments. These late payments have done tremendous harm to my ability to buy a new home. I am terrible distraught. The accounts are : FED LOAN SERV. Account Number : XXXX. FEDLOAN Account Number : XXXX These erroneous errors are in violation of 15 usc 1681a ( 2 ) ( A ) Transactional history should excluded from my consumer report.

15 usc 1666 ( 2 ) ( B ) These alleged late payments are due to billing errors

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: ORG GC GP Buyer, LLC
State: FL
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:
I received a letter saying I owe {$150.00} to XXXX. 
I pay my internet bill to XXXX on time every month for the past 2 years plus. 

I do not owe any balance to any bill concerning XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My problem originated in XX/XX/XXXXXXXX  when my Chase credit card number was changed due to an unrelated fraud incident. This resulted in multple " purchases '' and " refunds '' to my credit card statements. I have made several attempts to reconcile this problem with Chase customer Service representatives without success. Most recenly, I talked with XXXX on XX/XX/XXXXXXXX  and XXXX on XX/XX/XXXX. 

In summary, I made two donations to XXXX XXXX XXXX XXXX in XXXX and XX/XX/XXXXXXXX  for a total donation of {$2000.00}. The problem is that my charge statements reflect a total charge of {$3000.00}. The Foundation sent me backup data in XXXX to document that they had only received a total of {$2000.00}. Therefore, there is a discrepency of {$1000.00} that is owed to me by Chase. 

I have sent all the relevant informaton to Chase several times without success. Most recently, I resent a letter ( XX/XX/XXXXXXXX  ) with documentation illustrating that I had been charged {$3000.00} for the foundation and that the foundation had only received {$2000.00}. 

I have been unable to get Chase to address this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX XXXX XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$47000.00} ; XXXX XXXX XXXXXXXX Balance : {$380.00} ; XXXX XXXX Balance : {$360.00}

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 2022-12-02
Company: EQUIFAX, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$47000.00} ; XXXX  XXXX XXXX Balance : {$380.00} ; XXXX XXXXXXXX Balance : {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
On XX/XX/XXXX I purchased gas for {$37.00}. The XXXX showed on my credit card but 14 other purchases amounting to {$1300.00} showed on my Bank of America credit card as well from the merchant. I disputed charges with the Bank of America fraud department on XX/XX/XXXX. But, Bank of America put all the charges back on XX/XX/XXXX stating that the card was used for all the transactions. Unsure why Bank of America didn't accept the dispute given it doesn't make sense that an individual will conduct 15 different gas transactions at the same time. I have contacted the Bank numerous times accumulating hours on hold and the charges have not been resolved to date ( XX/XX/XXXX ). The few times I was able to get an actual person in the fraud department, the fraud department person tells me it's a billing issue and thus I was transferred back to the main number again sitting and waiting on hold to speak with someone in the billing department. XXXX calls and have spoken with several different individuals including managers and to date only 3 of the charges have been resolved by using their online tool which I initially used in the beginning but the tool is limited to disputing 3 issues and I have 15. When I tried to add additionally to be disputed by their online tool, I got a message stating that I need to call the bank to do more. We are now in XXXX and the charges have not been removed. My last call to the bank 's billing department was on the XXXX of XXXX. I spoke with someone. We went through each charge one-by-one and I was told they will be removed. Unfortunately, there were not and now I have received a letter requesting additional information in order for charges to be removed. This is a never ending loop and I am exhausted dealing with Bank of America.

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 2022-12-02
Company: TRUIST FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been in XXXX since XXXX  and calling the bank about these fraud charges to two credit cards. I have been calling and I do not get any where except given numbers to call and placed on hold for hours. 
My two credit cards were stole and were charged at restuarant and other places here in XXXX. I have only one credit card number that was used. 
I am in a court case here because i went to one of the places my card was used and they called the police and i was arrested for going with force. I have another court in XXXX. I have called and called the bank as I stated and I can not get any response except new numbers to call. 
My cards should be refunded for these charges. 
I have put in the complaints with BB & T. Nothing has been sent to me as they said. and I can not get any person from there to help me. I have been calling since all this has happened. 
I was making payments on these cards to save my credit but it took all my money to pay these cards. 
I have this complaint with BB & T but they are not responding in anyway. 
This is a short story of what has happen to me. 
I kept all my cards together and passwords together in a wallet I did not use. 
This was stole from me. 
I have told the story to so many people at BB & T. Some of the people that i actually talk to were gpung to send out forms for me to fill out but I still have not received anything. The only thing I got was numbers to call and placed on hold for hour after hour. 
I am in XXXX and I am here until these charges are dropped on me. I am a vitimin a horrific crime.

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 2023-08-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I informed All three credit agencies that they were report inaccurate information on my report ( JPMCB CARD ) way back in XXXX and again app a month go They were reporting 3 Different Date of Last Activity which is a F.C.R.A. violation because all dates should match for the account to be accurate! nEven the years were different but they refuse to address the issue or correct it.NOR DID THEY MARK THE ACCOUNT IN DISPUTE WHICH IS ANOTHER VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: NY
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 went to XXXX car dealership to purchase a car and they pulled my credit report several time when i had an approval for one. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Regarding the debit card account, for Capital One, the website says, " No fees to open, keep & use '' & " There are no fees to open, keep or use your Capital One 360 Checking account, or for foreign transactions fee. '' I recently used my debit card to withdrawal money from ATM, and the looking at my statement I seeing fee amounts for each withdraw. 6 withdrawals ranging from XX/XX/XXXX to XX/XX/XXXX. 

( see attachments ) Fees totaling : {$30.00} I called capital one asking them to uphold their original statements from the website and they refused. 

I am considering closing this account because of this unprofessionalism and shady practices by Capital One.

Company response to consumer: Closed with monetary relief