BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX under 18 U.S.C . 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 9. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 10. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 11. I did not authorize these inquiries please remove this from my credit report XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 12. I did not authorize these inquiries please remove this from my credit report XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 13. I did not authorize these inquiries please remove this from my credit report XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 14. I did not authorize these inquiries please remove this from my credit report XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 15. I did not authorize these inquiries please remove this from my credit report XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my 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 explanation
Consumer complaint received 2023-11-07
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/23 : My existing debit card number was fraudulently added to a XXXX XXXX XXXX XXXX per an email received at XXXX XXXX XXXX XXXX XXXX. I was unaware of at the time since no text alerts were delivered. Immediately a fraudulent request to replace my debit card was made per an email received at XXXX XXXX XXXX XXXX XXXX. I was unaware at the time since no text alerts were delivered. I never lost my card. 

A fraudulent {$1000.00} ATM Withdrawal was made at XXXX XXXX XXXX at Chase ATM XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX. I was unaware of at the time since no text alerts were delivered. A fraudulent {$3000.00} ATM Withdrawal was made at XXXX XXXX XXXX at Chase ATM located at XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX. I was unaware of at the time since no text alerts were delivered. They ultimately made the fraudulent transactions using the new card # despite my not receiving the card until a week later. 

XX/XX/23 XXXX  : I personally became aware of a problem since locked out of my online access when attempting a routine account check and had unexpectedly received a new debit card. Made multiple phone calls, but was unable to connect with the Chase Fraud Dept since it was after XXXX XXXX  XXXX. I was going to call back first thing in the morning and I was able to change my password. I had been on a silent hold for over an hour. 

XX/XX/23 : At XXXX XXXX XXXX while I was still sleeping ( XXXX XXXXXXXX XXXX XXXX, presumably the same fraudulent party hit again by again changing my password. Chase approved a fraudulent business account which then got linked to my username and accounts. Subsequent fraudulent actions were made draining two personal checking accounts. {$2500.00} on a different account and the account originally hit for {$1300.00}. 

XX/XX/23 : Upon waking up and discovered what had happened along with reading new emails, I then contacted Chases Fraud Dept to report the activity, file a claim, and attempted to take security measures. At XXXX XXXX XXXX, received a new email confirming while on the phone to stop sending text messages to an unauthorized cell # which was fraudulently added to my contact phone numbers without any alert. I ended up changing my User ID and Password this time and things were quiet for the time being. 

There would be subsequent unsuccessful fraudulent attempts to compromise my account which led me to terminating online access and 3 different new debit cards. They still tried hacking in leading me to change my User ID and password on two different occasions to no avail. Chase has been extremely difficult to work with despite over a dozen phone calls made plus vague denial letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29
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: Account status incorrect

Complaint:
The XXXX XXXX XXXX XXXX ( XXXX ) is currently reporting my consumer account between 30 and more than 120 days past due for four months to all three ( XXXX, XXXX, and Experian ) credit reporting agencies. The resource ( a XXXX XXXX XXXX XXXX XXXX for this account has been associated with a civil litigation matter since XX/XX/XXXX. My commercial encountered a breakdown in XXXX XXXX, Arkansas and my Emergency Roadside Service dispatch a towing and wrecker service versus a certified repair mechanic who caused additional damage to my commercial vehicle. The towing and wrecker company was negligent in the mechanics repairs and performed deceptive maintenance practices in their explicit charges for the repairs ; they attempted to charge me more than {$8000.00} for two tows and a single-axle ( right rear ) repair. As a result, I was required to stay in a hotel for more than 2 1/2 month as I attempted to rectify this matter through local agencies ; but, caused me a severe financial hardship and the inability to make payments ( over {$800.00} ) on this account for four ( 4 ) months. To prevent the account from going into foreclosure and eventually repossession, I have been able to make payments on the account for the previous seven ( 7 ) months through my personal financial account. Fortunately, the Representatives of the XXXX XXXX XXXX XXXX have worked with me and allowed me to make payments at the end-of-the month versus on the XX/XX/XXXXof the month. However, they haven't been willing to remove the negative reporting for the four-month negative reporting ; even as I have informed them of my circumstances. In addition, the XXXX is holding a check ( more than {$3000.00} ) which still requires my signature ; and are only willing to post the check to the principle of the outstanding loan since the check was issue for repairs. In reverse, the truck is still not repaired and I would not trust any additional maintenance by the towing and wrecker company as theyre mechanics are not certified diesel mechanics ; nor is the business a certified repair facility. Yet, the truck is still not repaired I will have to transport it to a true repair facility upon completion of the litigation process. Also, XXXX  four-month negative reporting is causing my inability to obtain credit which is much needed for financial support for additional attorney fees and other legal expenses.

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 2023-11-02
Company: DISCOVER BANK
State: SD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Discover credit card has been doing many legal activities in last 4 months. They don't explain anything about my account or information on any accounts on they opened under fraud team or investigation for whole situation. They had me wrote off as a dead individual recently and can't even call about that either. Discover credit card owes XXXX on unauthorized payments still, got a personal letter from XXXX XXXX Bank about it. Stop with games, lies, stories Discover credit card. Discover credit card has many issues with other customers at my bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: NAVY FEDERAL CREDIT UNION
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:
I checked my credit report in XXXX and found a credit card that I had no knowledge of. I contacted the bank and filed a dispute with XXXX online. A month later, XXXX reported that the item has remained unchanged. I called Navy Federal again and spoke with a security representative, who informed me that the account was still under investigation. I also spoke with an XXXX representative who opened up another dispute. I filed an FTC report XXXX. I called Navy Federal again and they informed me that the account was expedited and I would hear back in a week. I did not. on XXXX I was notifed by experian that the account remains unchanged. I called Navy Federal again on XXXX and spoke with XXXX in customer service and XXXX in their security department, only to be told that the account was under investigation, they could not release any information to me, and there was a checking and savings account opened when the credit card was that they did not inform me of. My credit is going down expotentially and interest is accruing on this account as they investigate. I asked if there is anything else I can do and they told me that I have to wait.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: Bread Financial Holdings, 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: Reporting company used your report improperly

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

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Viking Client Services
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I don't know who this company is, or who they are trying to reach, but I have told them repeatedly that they have the wrong number, and to stop calling me. They still continue to call me daily, multiple times a day. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Someone opended an account. Identity Theft. Your website makes reporting this a nightmare. Experion will not remove this account, unless you tell them to!

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 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX  XXXX {$470.00} XXXX  XXXX {$20000.00} XXXX  XXXX {$13000.00} XXXX XXXX {$2500.00} XXXX  XXXX {$25000.00} XXXX {$68.00} XXXX  XXXX {$2000.00} DEPTEDXXXX XXXX {$8900.00} XXXX {$700.00} DEPTEDXXXX XXXX $ XXXX DEPTEDXXXX  XXXX {$3000.00} DEPTEDXXXX   XXXX {$4500.00} XXXX XXXX {$6000.00}

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 2023-11-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
On XX/XX/XXXX I got a XXXX 7.49 % {$15000.00} loan from Chase Sapphire Reserve credit card which was part of the My Chase Loan program where one is able to get a loan at favorable rates by borrowing against the Sapphire Reserve credit limit. 

The disclaimers program says that the payment is bundled with the minimum payment for the credit card and one can avoid paying interest on new purchases by paying the " interest savings balance '' by the due date. They also say that the way the loan will impact the card balance is as follows : " Well add the full amount of the loan to your credit cards current balance. Your minimum payment due each billing cycle will automatically include the monthly payment amount for your loan. '' It does not say anything about adding interest to the balance. 

On the next due date following the loan initiation, XX/XX/XXXX, I paid the full " interest saving balance '' of {$6000.00} which was adjusted down from the original amount in the statement by XXXX because of refunds and statement credits which lowered the net amount due and thus the final " interest saving balance '' that was displayed on the website when I went to make my payment. Then on XX/XX/XXXX, I was charged {$94.00} in interest. 

When I called to ask about the interest, the Chase representative first tried to tell me that there is always a one-time interest rate fee for the loan - something that was never disclosed and is refuted by the " learn more '' FAQ section on Chase 's app. When I confronted them about the fact that the loan 's payment ( {$1300.00} ) already included the interest since XXXX / XXXX would have been {$1200.00}, they said that if there was any interest charged for balances it would be reversed in the next statement. 

That did not make any sense to me why Chase would keep my balance artificially higher for a full billing cycle just to reverse a charge later. 

This is misleading at best and deceiving at worst. Consumers should not be left in a " would they won't they '' state about charges on their account for a full billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was contacted on XX/XX/XXXX by who I thought was Wells Fargo because that is what the caller ID said. So, I answered it, they had asked me about fraud on my account and I told them that I did not authorize these transactions, such as Wells Fargo has done in the past. Thinking that I had stopped these fraudulent charges little did I know this was a call from the people that were committing the fraud. I was under the assumption that I would get information sent to me from Wells Fargo, they said it would take some time because they were trying to catch the person that was committing fraud on my account. I did not receive any information from Wells Fargo, so I contacted Wells Fargo on XX/XX/XXXX and they had said they had no claim on this account. They told me that I needed to restart the claim. I received a letter from Wells Fargo, dated XX/XX/XXXX stating " As a courtesy, we initiated one or more wire recalls on your behalf to attempt recovery of the funds from the banks that received the two ( 2 ) wire transfers for {$3300.00} an {$21000.00}. Unfortunately, the beneficiary banks responded that there were no funds available to return. As a result, we are unable to reimburse you and have closed your claim ''. So, I had to find a Wells Fargo branch that had a Bank Manager, I went in and met with the Bank Manager XX/XX/XXXX and tried to get this resolved. The manager and I spent 3 hours trying to resolve this issue, the fraud department at Wells Fargo was not cooperative with the Bank Manager and told her that it was my fault. The Bank Manager told me she was going to do a rebuttal on my behalf. I am supposed to hear back from Wells Fargo, I am concerned that it could be another fraud person that contacts me. Obviously, there was a breach in Wells Fargo security.

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 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$530.00} XXXX  XXXX XXXX {$4600.00} XXXX  XXXX {$7800.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$15000.00}

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 2021-08-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have sent multiple letters and XXXX has still not responded with the information I requested. And they are still showing inaccurate information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The XXXX XXXX XXXX XXXX ( XXXX ) is currently reporting my consumer account between 30 and more than 120 days past due for four months to all three ( Equifax, XXXX, and XXXX  ) credit reporting agencies. The resource ( a XXXX XXXX XXXX XXXX ) for this account has been associated with a civil litigation matter since XX/XX/XXXX. My commercial encountered a breakdown in XXXX XXXX, Arkansas and my Emergency Roadside Service dispatch a towing and wrecker service versus a certified repair mechanic who caused additional damage to my commercial vehicle. The towing and wrecker company was negligent in the mechanics repairs and performed deceptive maintenance practices in their explicit charges for the repairs ; they attempted to charge me more than {$8000.00} for two tows and a single-axle ( right rear ) repair. As a result, I was required to stay in a hotel for more than 2 1/2 month as I attempted to rectify this matter through local agencies ; but, caused me a severe financial hardship and the inability to make payments ( over {$800.00} ) on this account for four ( 4 ) months. To prevent the account from going into foreclosure and eventually repossession, I have been able to make payments on the account for the previous seven ( 7 ) months through my personal financial account. Fortunately, the Representatives of the XXXX XXXX XXXX XXXX have worked with me and allowed me to make payments at the end-of-the month versus on the XX/XX/XXXXof the month. However, they haven't been willing to remove the negative reporting for the four-month negative reporting ; even as I have informed them of my circumstances. In addition, the XXXX is holding a check ( more than {$3000.00} ) which still requires my signature ; and are only willing to post the check to the principle of the outstanding loan since the check was issue for repairs. In reverse, the truck is still not repaired and I would not trust any additional maintenance by the towing and wrecker company as theyre mechanics are not certified diesel mechanics ; nor is the business a certified repair facility. Yet, the truck is still not repaired I will have to transport it to a true repair facility upon completion of the litigation process. Also, XX/XX/XXXXfour-month negative reporting is causing my inability to obtain credit which is much needed for financial support for additional attorney fees and other legal expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX and XXXX XXXX submit these letters of negotiation on several credit cards through the Consumer Financial Protection Bureau to show good faith to our creditors. We have gone through medical issues and job changes, and are now in a much better position to resolve our debt matters in an orderly manner. Accordingly, we submit these letters of negotiation as follows :

Company response to consumer: Closed with explanation