BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-03
Company: Commercial Trade, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a collection notice on my credit report by XXXX with the following information " changes to your XXXX credit report XXXX Credit score XXXX points since XX/XX/2022 Collection Opened A collection was added to your file Between XX/XX/2022 and XX/XX/2022, a new account in collections was added to your report. The collection agency is COMMERCIAL TRADE INC. The original creditor was XXXX XXXX  
" I have never had any communication of any kind from Commercial Trade inc.. I have never opened an account or have had any service from them. I have now idea about the account or collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: TN
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 Account # XXXX, # 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 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 2022-05-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent identity thief reports to each credit bureau and Equifax is the only bureau stating they have not received my documents. I sent certified mailed in XXXX and XXXX along with a fax. Each time I call the company states they did not receive my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hi, I have been to Chase bank for opening a checking account as I have gotten a job and it requires me to submit an account number for depositing my pay check. The banker didn't allow me to open it. I had the following documents with me to support my identity and residence address. 1. My EAD card 2. SSN 3. A lease agreement to my apartment in the name of my Husband with me and my daughter as occupants. 4. My marriage certificate 5. My foreign Passport 6. Foreign DL with foreign address 7. International DL with foreign address 8. DS 2019 I have shifted here recently and have gotten my SSN and my EAD but I don't own any document as proof of my owned residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$4600.00} ; XXXX FIN XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2022-11-01
Company: WELLS FARGO & COMPANY
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Starting on XX/XX/2022, I am getting emails to my personal email address about an auto loan being opened. I have not opened any loan and Wells Fargo is doing nothing to help with the issue. It seems the person has put the wrong email on their account and now I am getting their information. I have attached the email, that has the last XXXX of the account number and the other person 's name. I am also getting mortgage emails now, also attached. I am of course worried that my identity has been stolen and Wells Fargo is doing nothing to 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 non-monetary relief
Consumer complaint received 2022-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i went to a car dealership and purcase a car in my business name only with my tax ein number i have good business credit the dealer told me that they will not use my social number to buy but four verification only so it was done i got my company car in my company name one month later i check my credit report and had alot of inquiries i did not authorize { 1 } XXXX XXXX { 2 } XXXX XXXX { 3 } XXXX XXXX XXXX  { 4 } bank of america { 5 } 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 2023-09-11
Company: ALLY FINANCIAL 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 called XXXX and XXXX  about inquiries on my credit report that I did not make. They informed me to call the companies and speak with them to see if an account was opened and to ask them to remove the inquiry. Speaking with the companies they informed me that nothing was purchased but the only way I could get these inquiries I DID NOT MAKE removed was if this report was made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally Financial 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 explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MA XXXX XXXX XXXX XXXX : {$14000.00} XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$19000.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2022-11-01
Company: Experian Information Solutions Inc.
State: WI
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 Account # 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, also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An account with a company called XXXX XXXX was opened with my information. Owing {$2300.00}.

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 2023-02-24
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We received approval by IHAF due to XXXX to reinstate our mortgage and pay 6 months of payments. On XXXX/XXXX/2022, the agency paid {$12000.00} to XXXX XXXX XXXXXXXX XXXX failed to notify IHAF at closing that our mortgage had been sold to Shellpoint Mortgage Servicing on XX/XX//2022. IHAF paid additional mortgage payments in XXXX, XXXXXXXX XXXX  XXXX of {$2000.00} each to XXXX. I have advised and documented the above with Shellpoints point of contact representatives. Instead of attempting to have XXXX transfer these funds to them, Shellpoint has continued to harass us and threaten foreclosure. Ive contacted IHAF repeatedly regarding this. Their attempts to resolve the issue have been fruitless. We are older adults and believe this company is preying on us in an attempt to receive duplicate mortgage payments. We have received threatening letters and phone calls. It is wearing us down. It is clear that Shellpoint and XXXX are mismanaging government funds that were meant to assist us. I would appreciate your help. Thanks

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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 second-time requesting 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 accounts 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 accounts : XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$150.00}

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 2021-11-04
Company: WELLS FARGO & COMPANY
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:
At the time my card info was stolen, I was in between living situations and found myself in a undesirable position of having to file a police report against a person that at the time I thought was helping me out when nobody else would. I reviewed my transaction history after about a two week period I realized some of my funds might be missing or inaccurate charges were possibly being made. On XXXX XXXX, i filed a claim dispute against several charges i did not authorize. I no longer had the card in my possession which is why i decided to file a report and open a dispute claim for the unauthorized transactions and to report my card stolen. I went over all transactions with a wells fargo claim specialist who advised me to add all transactions i did not authorize and right away noticed that a few of the unauthorized transactions were already closed and removed from my dispute before the investigation was complete. I worked with every dispute specialist i talked to and folliwed all the directions given to me to resolve my claim but in the end mt claim was closed and denied without any resolution as i never recieved my stolen funds back nor did i ever recieve the reasons why wellsfargo felt that i wasnt owed back any money that has been stolen from me. Ive contacted wells fargo several times and still have yet to actually resolve my claim and get my money back. My account is still open but only until i get reimbursed my funds. The amount in unauthorized transactions nearly amounts to {$1700.00}. Please help me figure this out losing that money has putme back quite desperate for a resolution i can agree too.

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 2018-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I received a pre-approved auto loan from Capital One Auto Finance in mid-XX/XX/XXXX to be used only with XXXX XXXX. I contacted XXXX XXXX and selected a vehicle I was interested in. They proceeded to solicit financing without my consent from 9 financial institutions. All 9 made hard inquiries on my credit reports on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have the receipts for All the scam XXXX transactions from my WellsFargo account that they refused to reimburse me for. Now the lawsuit is supposed to give me the funds back but my account is closed with them. I have the proof of all the XXXX  transactions that was scams. I was scammed for over {$11000.00}.

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 explanation
Consumer complaint received 2022-07-13
Company: SYNCHRONY FINANCIAL
State: PA
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 XXXX an XXXX XXXX item # XXXX purchased online from Lowes with a Lowes credit card was to be delivered to my address on XXXX. As of this date no umbrella was delivered. Lowes was notified on XXXX. The XXXXt XXXX Lowes store manager was left a message, but no return phone call was received. 
A third party delivery company XXXX was found to have NOT delivered the XXXX and closed the delivery ticket out. A call to XXXX on XXXX ( Spoke with XXXX ) found that the delivery was not made, the XXXX was at the terminal, and was awaiting a new ticket for redelivery. XXXX reached out to Lowes several times for a redelivery ticket which was never issued. The XXXX was was then returned to the XXXX  XXXX store by XXXX. 
Several correspondence have transpired. I have all supporting documentation listed by date. 
I was able to contact Lowes corperate on XXXX @ XXXX ( XXXX XXXX. A XXXX case # XXXX was given. The account was credited the full outstanding amount and another XXXX  was ordered and paid in full the same day. 
One month later, the account was then charged the original disputed charge, that had just been credited. 
I have attempted to contact Lowes XXXX XXXX store several time. I placed the credit card in dispute. Contacted Lowes corperate. This issue is still outstanding. 
Awaiting a response " XXXX XXXX XXXX XXXX XXXX XXXX Pa 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 2022-12-03
Company: Affirm Holdings, Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
After several bouts with XXXX and XXXX related medical issue, my income got a little boost so I started trying to catch up. I am inundated with XXXX - XXXX calls a day on my cell phone and XXXX XXXX calls on my home phone then they hang up once I answer the phones. This is the second time that duplicate payments were made in the amount of {$76.00} ( due XX/XX/XXXX ), {$58.00} ( due XX/XX/XXXX ) and XXXX ( due XX/XX/XXXX ). On XX/XX/XXXX, I called Affirm to reverse the payments because was caught up. Affirm told me they refund/reversed the money back to my account. Later that evening I double check my account and found they processed XXXX unauthorized payments to the account. Now Ive been charged {$60.00} Overdraft plus {$76.00}, {$58.00} and {$40.00}. I reviewed the Affirm accounts and it reflects each of them were refunded but additional processed payments not due. Also, while I thought they were processing a loan modification which said I had no active loans to modify then they delayed it to report derogatory item.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: SYNCHRONY FINANCIAL
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Dear Financial Services Manager,  XXXX XXXX : I am writing this letter in extreme frustration. This comes from the continuous and ongoing requests I have made to receive my credit balance on my PayPal Mastercard. I made two transactions in XX/XX/XXXX towards my overall balance, resulting in a credit balance of {$250.00}. On XX/XX/XXXX, I made my first request to receive my money via a telephone call. I was told it would take 5-7 days to issue. My second contact was on. XX/XX/XXXX via your chat option on the website. I did a screenshot of the entire conversation for documentation. I was told that the check had been issued on  XX/XX/XXXX and that it would have to go through a cancellation and then a new one would be issued. Again, nothing happened. My third and last request to receive my money was on XX/XX/XXXX via telephone call to a supervisor named XXXX. She assured me that nothing had been done from my last request and that she would take care of it. She said that the cancellation would take the remainder of that week and the new check would be sent out the following week ( that would be the week of XX/XX/XXXX ). Two weeks, fourteen days, have passed since that last request. 

If this {$250.00} was an amount I owed and I didnt make my payment for two monthly cycles I would owe compounded interest and penalty fees amounting to at least an additional {$120.00}. My next step is to take legal action which will then result in additional compensation for all of my time, my legal fees, and compounded interest and penalty fees. I also will be filing with the XXXX XXXX XXXX and posting to media wildly to warn other customers of your extremely bad consumer practices. 

As you can tell I am extremely frustrated. I dont care if this was {$1.00}, it is MY MONEY and you are REFUSING to REFUND MY MONEY. I am, for the last time, making an official request for you to REFUND MY MONEY!!!!

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