BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
My car lease was scheduled to end originally in XX/XX/XXXX, but I requested and was granted a 6 month extension at that time, extending the end of the lease until XX/XX/XXXX. 
In XX/XX/XXXX, I was under stay at home orders and in lockdown due to rioting and looting in XXXX XXXX. No Dealerships were open or taking lease end cars in at that time. I had no where to return my vehicle. I contacted XXXXXXXX XXXX XXXX  to ask what to do. They issued a deferrment, which deferred my lease payments. I was under the belief that it was another extension, so I continued to make my car payments as usual. I also continued to receive statements from XXXX XXXX XXXX showing me how great I was doing with my payments and no action was required by me at that time. As such, I believed the matter non urgent as long as I continued to pay. I was dealing with a personal health crisis with my dog all summer long, in and out of vet emergency hospitals, so I didnt have the luxury of car shopping. 
I continued my payments through XXXX and XXXX, and also communicated to the company I was going to look into another lease from them, or possible purchase the car. There did not seem to be any issue with this arrangement. With dealerships not accepting cars, why didn't Chase arrange to pick up my car if they wanted it back? My payments were pre-paid through XXXX of XXXX. In XX/XX/XXXX, Chase charged off my lease. It hit my credit for 150 points and made it impossible to get a loan to purchase the car, or any car. They ruined my handyman business by repossessing the car in XX/XX/XXXX. I had no way to work without my car to carry my tools. 
I had a stellar record with this company for my previous 2 XXXX purchases ; with this action, even though there was open communication with them, took the route to actively destroy my credit, while I was 100 % current with my payments. 
I am attaching copies of my payment history at 98 %, and the statements from chase AFTER my lease was supposed to be up, showing no problems or issues. And a sign from the dealership stating no returns would be accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
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: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, are not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry 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 explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: LA
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 am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give equifax written permission to furnish these accounts. 
Accounts 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 2023-01-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My account with wells Fargo has been closed since last year of XX/XX/2022 because of an error on theyre behalf with calculations. Last year of XX/XX/2022 I had deposit money into my account, an amount of about {$2000.00} dollars before depositing the amount I had already had money in my account and had purchased flights to XXXX along with hotel stay as well. Once I got to XXXX the money of about roughly {$2000.00} which I believe was a little more than {$2000.00} was put into my account and wells Fargo had charged me twice for everything I admittedly contact custom service and made them aware of what they had done and they reimbursed me the funds. Now those funds didnt right away go directly into my account as you know it takes about 3-5 business days I had to deposit more money into my account as i need money to get around and track my spendings and so I did. At the end of my trip once I got back home Wells Fargo had calculated my spending and everything was deducted properly which left me with a balanced of XXXX dollar not including my reimbursement funds that hasnt reached my account yet at the time. As a week goes by I log on to my account and see that my account was over draft almost XXXX closely to XXXX hundred. Once again I called customer service to explain everything that had happen and this time there was no help what so ever Im fact was given the run around about how the things were calculated and about my reimbursement. I became frustrated because the representative had told me there was nothing she couldnt do and I would have to pay that amount that I was actually suppose to be my money not deducted I got upset and explained to her how Ive been a customs with them for over two years and they should investigate more. But because my account was already under investigation due to my {$2000.00} being deducted twice for payments I had already mad prior to putting that money into my account I had to wait for a response and the reimbursement. I hung up out of anger leaving me with no solution and a month to two months later a closed account. I was highly upset if the lost I took with Wells Fargo that through out the two months I was depressed and stressed because I felt hopeless and left with no options or help. Im making this complaint because hopefully this can help someone else who is currently in my shoes and this would get them the correct solution and justice they deserve.

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 2021-02-16
Company: Medical Data Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/ 2021 I requested information to validate this bill reported to my credit file. I never received information that gave to know that this debt belongs to me. I have always had insurance and dont know why I would be getting a medical bill ( {$8100.00} ) this large. I have disputed with the credit reporting agencies and they have not done an investigation of this medical bill. I have not signed any HIPPA release form to release my 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 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request 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 items I'm challenging have nothing to do with any transactions I've authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-02-24
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX - {$470.00} XXXX XXXX : # XXXX - {$0.00} Has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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., The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC1681. 
Account name XXXX XXXX acct. # XXXX, acct. name XXXX acct. # XXXX, acct. name XXXXXXXX XXXX acct. # XXXX, acct. name XXXX XXXX XXXX acct. # XXXX, acct. name XXXX XXXX XXXX acct. # XXXX, acct.name XXXX  acct. # XXXX, acct. name XXXX XXXX, acct. # XXXX, acct. name, XXXX XXXX XXXX. acct. # XXXX, acct. name XXXX, acct. # XXXX, acct. name, XXXX acct. # XXXX, acct. name XXXX XXXX acct. # XXXX, acct. name XXXX XXXX acct. # XXXX, acct. name XXXX acct. # XXXX, XXXX XXXX XXXX acct. # XXXX, XXXX XXXX acct. # XXXX, acct. name, XXXX XXXX acct. # XXXX, acct. name, XXXX XXXX acct. # 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 2023-02-09
Company: U.S. BANCORP
State: NH
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:
US bank Claim # XXXX I had contacted US bank on XX/XX/XXXX at around XXXX and spent 45 mins explaining the dispute situation wherein I was disputing the charge from XXXX for {$390.00} out of which I was disputing only {$190.00} which is half the amount. 

Originally I had purchased two pairs of XXXX XXXX from this merchant {$190.00} each which totaled to {$390.00} for 2 pairs. I received only 1 pair so I called XXXX and they refunded me for one pair that was missing and that was {$190.00} and then 1 day after I tried to return the second pair which I had actually received but I couldn't as XXXX deactivated my online account and told me that they wouldn't activate it so if I wanted the money back the only way to do that was to dispute the remaining {$190.00} with my bank and I explained this entire situation to " XXXX '' who claimed to be the manager at the US bank card member services and he assured me that there won't be any mishaps. I spent 45 mins on the call, but guess what US bank closed my dispute saying that XXXX already gave you a refund of {$190.00}. 

Are you seriously XXXX? Neither XXXX nor the adjustor are fit to be in the job they are. Has the adjustor even looked at this properly before closing this out and when I called back on XX/XX/XXXX at XXXX EST the lady I spoke to dint even care. I told her I will go to CFBP and she said go ahead. This is ridiculous. Her name was XXXX. 

US bank has the worst customer care agents and is the toughest bank to deal with. 

I had clearly mentioned that I am disputing the other half which is {$190.00}. 

Claim # XXXX I need my {$190.00} back

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 2023-04-06
Company: EQUIFAX, INC.
State: MO
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-07
Company: CITIBANK, N.A.
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:
There was a fraudulent charge of {$160.00} to my Citi Card on XX/XX/XXXX. I had multiple issues resolving this with Citi. I resorted to finally opening a complaint, XXXX, with the Consumer Financial Protection Bureau ( CFPB ), this website. 

On XX/XX/XXXX the CFPB closed my complaint XXXX providing information that Citi would credit the account. Citi provided information on XX/XX/XXXX that Citi would credit the account for the full amount of the fraudulent charge. This would be the second time for Citi to 'credit ' the account. The account was credited once before, then reversed back to having a balance. 

The day after it was indicated a credit would be applied, XX/XX/XXXX, I received an email from Citi indicating a balance remained on the Citi account. When I checked on-line the balance is the fraudulent charge minus an {$0.00} credit and that payment is due. 

At this point in time, XX/XX/XXXX, I have both Citi and the CFPB, indicating the complaint closed and the issue is resolved. However, I have an e-mail today indicating it is not resolved, and when I check Citi online, the balance remains. I would like to think this is just a delay in the credit, but I have no tangible evidence. As Citi reversed this once before, and there is a balance showing online for the fraudulent change from XX/XX/XXXX, my assumption is the issue is not resolved and the credit has been reversed again. As such I am opening a second complaint.

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 2021-02-16
Company: WLCC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I applied for a loan with arrowhead XXXX advance. When I applied I was told I was approved and asked to sign the loan papers electronically which I did. After this i was contacted by arrowhead saying my loan wasnt approved but still pending. Throughout this process I was told I was approved and asked to sign loan documents three different times for three different loan amounts. I talked to several representatives at this company and advised them several times that I get paid twice a month on the first and the XXXX I was asked if I get paid and it falls on a holiday will I be paid before or after the XXXX in which I answered before I gave this information several times I sent several checks stubs I gave them access to two of my bank accounts which illustrate it the same thing. I made my first payment today on XX/XX/XXXX and receive a confirmation Email which is now stating my next payment will be taken out on XX/XX/XXXX which is days before my XX/XX/XXXX payday I called and emailed arrowhead and they want me to send more paperwork the same paperwork I have sent already! I do not want this company debiting my account and I do not want this next payment taken out if they are not going to stick to the terms that I agreed to that I have repeated over and over again I need this loan to be forgiven I am in Texas I do not have power I do not have electricity I do not have heat I do not have access to the Internet I have no way to send them what they are asking me for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Four Directions Lending LLC
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I had my wallet stolen and my identity was stolen. He has opened a number of loans and I am just trying to get it off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I spoke with mark at Experian on XX/XX/2022 about the late payment that appears on my credit report I request the following late payment to be deleted off my Experian credit report with a updated credit report mailed to me : XXXX XXXX XXXX  '' late payment amount of {$17.00}

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 2023-01-14
Company: SANTANDER HOLDINGS USA, 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: Reporting company used your report improperly

Complaint:
Made numerous requests to have incorrect information removed. 

In Accordance with the Fair Credit Report Act This Creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am the properly authorized consumer and I am submitting this dispute on my own without any third parties, with the intent to not be discriminated against for exercising my rights and applying the federal laws put in place to protect me the consumer. On XX/XX/22 a certified notice was sent to Truist Bank in reference of a billing error. Truist Bank failed to clarify the billing error, but instead used XXXX identity theft with extortionate means for the collection of an extension of credit. Please see attachment

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 2021-09-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I reviewed my credit reports and noticed a medical collection being reported to all three credit bureaus by ARS Account Resolution. I wrote them a " Certified Letter '' on XX/XX/2021 asking them to " Validate '' this collection account that they reported under my name and social security number. I was very specific in pointing out that this was not my debt and that I'm requesting that they provide me with documentation to validate this. On XX/XX/2021 I received a one ( 1 ) page letter from ARS telling me who they represent and that they verified the information with their client and confirmed it. I wrote them again on XX/XX/2021 via " Certified Mail '' letter two ( # 2 ) and indicated to them that the information that they provided was " Unidentifiable '' to me. I also indicated that they " Did Not '' provide me with any " Validation. '' I then received another letter from ARS dated XX/XX/2021, with the exact verbiage as their letter dated on XX/XX/2021. Finally, I sent a third letter ( 3 ) dated XX/XX/2021 via " Certified Mail '' letting them know that if they could not " Validate '' this collection in which they have placed on my credit files, they need to remove it immediately. As of this date, XX/XX/2021 they have not responded and this " Unvalidated '' collection is still reflecting on my credit file. 

They are in direct violation of the FDCPA Sec 809 ( a ) ( b ) and the FCRA Sec 623.

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