BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-06
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I went to ATM XXXX XXXX XXXX XXXX XXXX FROM DDA on XX/XX/2018, to withdraw {$20.00}. The ATM did not dispense my money! I am beyond upset, I am angry at this point. I called customer service the following Monday XX/XX/2018, just to be told to wait til XXXX for their system to process and update. If not I had to put in a dispute, which I had to on XX/XX/2018 in person at the branch located inside the XXXX on XXXX and XXXX. This is a BANK ERROR! WHY SHOULD I HAVE TO WAIT FOR MY MONEY AND DO ALL THIS EXTRA STUFF BECAUSE THEIR ATM DID NOT WORK?? At the branch I go to there is a huge sign that reads " Satisfaction Guaranteed ''! LIES! As of this complaint I still dont have my money back. I dont care if it is {$20.00}, to me that could have been all I had and I have a XXXX year old I have to care for. That could have been my last to feed my child and I am having to wait on them. They need to change that sign! I want my money back in my account as fast as they took it out! I will be closing my account once this is resolved! 

Signed a XXXX XXXX soon to be EX customer!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Chase solicited me for a new credit card offering a XXXX % balance transfer introductory rate. Nowhere on the front advertising or balance transfer steps did it note that a balance can not be transferred from a Chase account. I went to the website online rather than use the physical form to apply. Again it was not clearly stated that Chase transfers were precluded. When I attempted to enter the transfer account I did not receive a warning about the ineligibility of current chase balances, I received a warning asking me for the 3 digit cvv code on the card I had yet to receive. 
When I received the card I then received the warning chase balances were ineligible. 
I called chase and asked for either an exception or to have the account closed and removed from my credit as it would impact my score. They refused the exception and further stated any change in the reporting would need to be done through the bureaus. This was after I pointed out the advertising was deceptive and hiding these critical details in small print is at best shady. It also forces me to make efforts and plead my case to a third party to resolve the harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: NV
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 letter will serve as a follow-up to my earlier plea last XX/XX/XXXX. Seems like my earlier endeavor to block those fraud items has not been given attention. I'm including them again in order to be removed immediately. 

XXXX XXXX XXXX : {$48000.00} ; XXXX XXXX XXXX : {$9200.00} ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} ; XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} ; XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} ; 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 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 response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im trying to buy a house

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

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 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2018-05-06
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 information incorrect

Complaint:
Equifax is reporting a mortgage account that is closed asd has been paid in full as opened and with an outstanding balance on my credit report. I have notified them multiple times now this account is paid and closed and they have not corrected the issue. I have reached out now over a dozer time and for over a month or two now. they have ignored my requests and still show the account opened with a balance and that is incorrect. this account is closed and paid in fill parkside lending has been paid and in full and show show a XXXX balance an closed please properly update the accurately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-13
Company: Mercedes Benz Financial Services
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX I leased a XXXX XXXX XXXX from XXXX of XXXX XXXX. This transaction was done remotely by their representative XXXX XXXX. I authorized ONE HARD credit inquiry by their company which is their usual process. This is my second car from this dealership and this was the process in XXXX. However, upon checking my credit report I observed MB Conducted TWO HARD credit inquiries, one by the sales representative and two hours later ( according to XXXX ) another by  Mercedes-Benz Financial Services. This second inquiry was done without my KNOWLEDGE or AUTHORIZATION. I know In my heart and mind that this was done because I am XXXX XXXX, they would have NEVER treated a Caucasian buyer with such disrespect. What did they think would possibly change between XXXX when I spoke to the representative and XXXX when I picked up the car. Had I been informed it would take TWO INQUIRIES for this transaction I would not have authorized any. I spoke to their representative XXXX in the sales department and to XXXX XXXX XXXX and was informed that this was the process, but I know it IS NOT. And if something changed I should have been advised of this BEFORE the transaction, not a month later when I observe my credit report has gone down 25 points for this one transaction. TransUnion states it appears as if I was purchasing TWO vehicles. I am getting nothing but the runaround from this company. This is a criminal offense and XXXX XXXX should be investigated for this kind of deceptive business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
NAVY FEDERAL CREDIT UNION IS IN SERIOUS VIOLATION OF VIOLATING MY CONSUMER RIGHTS. I HAVE ASKED COMPANY TO PROVIDE MY WET SIGNATURE IN REGARDS TO XXXX ACCOUNTS WITH THIS COMPANY. NAVY FEDERAL CREDIT UNION IS IN SERIOUS VIOLATION OF PERMISSIBLE PURPOSE 15 U.S. CODE 1681 b, The Truth and Lending Act 15 U.S. Code Cap. 41 1601, Extortion, Embezzlement, Debt Bondage, Traffiking, Attestation, Right to privacy 15 U.S. Code Section 602 A, Navy Federal Credit Union did not have my written consent to report to any bureaus which is a violation of 15 U.S. Code 1681 Section 602 A Section 2, also banks do not have real money so why would this bank LIE and say I used their money when the bank used my social security number to create a promissory note that I did not consent which is aggravated theft 18 US Code 1028 A. Also why is this company reporting late payments which is against the law 15 US Code 1681 a ( 2 ) ( A ) ( i ). Why is this company asking for my social security number which is against the law 42 US Code 405. banks do not have lawful money and this bank is committing crimes 12 US Code 1431. Provide proof of the original promissory note, provide wet signature, provide ledger. Reporting on a closed charge of account is a violation that Navy Federal continues to commit 15 U.S. Code 1681c. Client must be compensated due to aggravated identity theft 18 US Code 1028 A. Remove all accounts off of every credit report immediately. Navy federal has also Violated an order to Cease and desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
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: Information is missing that should be on the report

Complaint:
I have contacted XXXX XXXX in regards to the credit card I have with them ending in XXXX. I have had this card for major than a year, my credit card is not being reported to XXXX, XXXX XXXX or Equifax. The card is not prepaid, ALSO my credit score was in the mid 500 at the time I applied, now my score on XXXX in reflecting XXXX, XXXX XXXX uses XXXX XXXX which reflects XXXX, TransUnion reflects XXXX and Equifax shows no score. XXXX XXXX Fails to report my score to XXXX, XXXX XXXX and Equifax which does not help my bank with the application for a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
I have contacted XXXX XXXX in regards to the credit card I have with them ending in XXXX. I have had this card for major than a year, my credit card is not being reported to XXXX, Trans Union or XXXX. The card is not prepaid, ALSO my credit score was in the mid XXXX at the time I applied, now my score on XXXX  in reflecting XXXX, XXXX XXXX uses XXXX XXXX  which reflects XXXX, TransUnion reflects XXXX and XXXX  shows no score. Capital One Fails to report my score to XXXX, Trans Union and XXXX  which does not help my bank with the application for a home loan.

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 2023-05-29
Company: Experian Information Solutions Inc.
State: NJ
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. I am formally requesting that these matters be investigated properly and immediately. The account information listed directly below is inaccurate, and I dispute the validity of each. As per the FCRA you must delete all entries to my credit file that can not be proven to be accurate. Likewise, you must provide me with your Method of Verification. You are a partial owner of the E-OSCAR system, which has proven to be unreliable for the intended purpose of my dispute and does not constitute the legally required independent investigation that you must conduct.

For clarity, the sections of the Fair Credit Reporting Act of 1970 which are referenced within this letter are : Section 604, Section 609, Section 611, and Section 623. I will assume that by the very nature of your business, I do not need to provide definitions of what is covered under each of these sections individually.

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 2022-05-16
Company: EQUIFAX, 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:
In accordance with Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX Transunion and XXXX Has violated my consumer rights by reporting accounts related to identity theft 15 U.S. Code 1681i - Procedure in case of disputed accuracy please proceed accurately Victim of identity theft DELETE Fraud FTC Report attached under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs. 

all documents attached to proceed with Deletion Police Report, FTC REPORT, ID, COMED BILL, and dispute letter attached 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 



HERE ARE THE IDENTITY THEFT ACCOUNTS & INQUIRIES 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 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 2023-07-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've called and written this company plenty of times explaining that this was fraud done in my name and still nothing has happened yet!

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 2020-06-13
Company: Experian Information Solutions 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:
On the date of of XX/XX/2019 an inquiry that I did not authorize was generated on my credit report by Clarity services Inc . Upon knowledge of this information i disputed this with the credit bureau to know avail. I then attempted to reach out to the creditor to get proof of authorization for this inquiry as the federal law under the frca company 's are supposed to have but to no avail.

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 2020-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information is missing that should be on the report

Complaint:
I have contacted Capital One in regards to the credit card I have with them ending in XXXX. I have had this card for major than a year, my credit card is not being reported to XXXX, XXXX XXXX or XXXX. The card is not prepaid, ALSO my credit score was in the mid XXXX at the time I applied, now my score on XXXX  in reflecting XXXX, Capital one uses Credit wise which reflects XXXX, XXXX  reflects XXXX and XXXX  shows no score. Capital One Fails to report my score to XXXX, XXXX XXXX and XXXX  which does not help my bank with the application for a home loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I spoke to XXXX in the account collections department. He told me the accounts are closed and charged off. He said that happens when we can't collect on a debt so we write it off. I asked why are the fraudulent accounts still on my report and why are you asking me to pay something in order to change the status of the two accounts. XXXX said, our system shows that " someone '' using your likeness in California attempted to use the account. He said this information is from a different department outside his pay-grade. XXXX said although you have not worked in the US since XXXX, someone obviously used your information to open this account. He said I want to help you so if you just pay something this matter will go away. I told XXXX I will not pay and any charges and use of my name, likeness or social security number is fraudulent. XXXX said they will continue to report the accounts as a negative items and will update it as such going forward unless I agree to pay something. I told XXXX absolutely not. Especially after knowing the account was listed as a charge-off and US bank still wants something. I asked how is that helping the situation when you refuse to hear my concern? XXXX said I'm only in collections. I believe what you're saying but this is my job, to try and collect.

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