BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello, I would like to lodge a complaint with the illogical and ultimately unfair system run by the three major credit monitoring companies. I would like to see a permanent and free system of locking/unlocking required of these companies, and, for there to be a guaranteed level of quality control.

The biggest two problems are with XXXX  and Equifax. Putting aside the massive data breach that Equifax is responsible for I find their current systems to be an undue burden on me, the citizen. I have had multiple attempts to apply for a credit card, thinking it would be a simply process as my credit history is clean and my scores are excellent but the efforts were stymied by the systems these two companies have in place. Specifically- Equifax 's website ( myequifax ) is unreliable and there have been occasions when I try to log in and it rejects me saying I need to contact them to proceed. This occurred two days ago. I gave it another shot today and it worked. Nothing I did was different and the website gave no notice of being serviced- it simply rejected my attempt to log in. 7 months ago I ran into a similar problem and I called their customer service. The first rep put me on hold and then hung up on me. The second rep was able to help me proceed with the freeze but only after I spent a good amount of time on hold and a great deal of energy explaining how it would be an undue burden for me to have to gather all my paperwork and mail it in to them to request my account being unfrozen being that their website guarantees this service and it is their fault the website wasn't working. With XXXX  I have had similar experiences except that their reps have been of no assistance and I am unable to freeze/unfreeze online despite the fact that all my information is correct and I have the original pin number I used to set up my account with them. My only option is to take my time to mail in a request to them, request my credit be unfrozen for a longer window than I am comfortable with, wait for confirmation, and then proceed with the financial transaction I originally intended to do. As XXXX  's IDNotify 's free year trial service ran out for me about 6 months ago I have no better option and am not going to pay them XXXX 's of dollars a year simply to have more control over my information. 

Ultimately I did not choose to have these companies monitor my credit and would prefer they did not have access to my personal information ( hello Equifax data breach! ) but being that I don't envision that changing I would request that you advocate for permanent, reliable, and free credit services for citizens like myself. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: CITIBANK, N.A.
State: NY
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 balance transfer

Complaint:
On XX/XX/23, a balance transfer was made from XXXX XXXX to Citibank for {$3500.00} with a balance transfer fee of {$170.00}, posted on XX/XX/23. That balance transfer never went to my XXXX XXXX account. On XX/XX/23, I did a chat with Citibank online explaining the transfer balance never went through to my account, and I provided the last 2 digits of the card as requested, I was told it does not match. Again, I explained it went to the wrong account. Citibank Rep. tried to cancel but the check cleared and couldn't be cancelled I then informed Citibank Rep I'm not paying for a transaction that I never received Citibank stated they understood. I had an online chat on XX/XX/23 & XX/XX/23 regarding the same issue, still not resolved. Citibank open up a dispute claim dated for XX/XX/23, XX/XX/23 and recent XX/XX/23, I received a letter from Citibank telling me proof of electronic payment has been sent to XXXX XXXX products so they can credit the balance to the correct account as of XX/XX/23 this has not taken place. I received the separate cover notice via email on XX/XX/23 with the transaction Id # showing proof of payment sent on XX/XX/23 but as per XXXX XXXX and my bill statement this transaction did not post to my account. I called Citibank on XX/XX/23, XXXX, XX/XX/23 and XX/XX/23 given them the same info they requested nothing was corrected. I even tried on XX/XX/23 with online chat but since I closed my account because of this Rep was unable to provide 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 2023-07-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Blackhawk Finance
State: IL
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:
they repossessed my car after one late payment. they switched companies without my knowledge. it was blackhawk financial when i got my loan.it is currently XXXX XXXX XXXX i never got a notice of them changing names and numbers. i had no way of contacting them until i seen their name on my credit report 3 years later. i called when i got their information they said i owed about 4000 witch is  incorrect it was only around 1000. they sold the car to someone else for over what i owed. this is lowering my score. they never sent me the check of notification that the car was sold. they never gave me a chance to relieve my debt. they was very rude and uncooperative. they do not even have the original loan agreement. with my signature. they cant not validate my debt.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-30
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Loancare is my mortgage company. They put in a COVID 19 partial claim on my behalf to help me come current. Its reflected with the VA as being sent to them in XXXX of XXXX. They never told me the partial claim was denied. It was denied because it was signed wrong. They never tried to get my claim resigned. In the meantime I made payments started like they said should be done on the partial claim. I made payments from XXXX of XXXX till XXXX or XXXX of XXXX and was informed that I couldnt make a payment, and not to attempt to make a payment bc my mortgage was in another partial claim. This went on until I think XXXX. Signed papers again for a partial claim modification, which I got duped into a 6.75 % interest rate with {$2200.00} payment a month, thats up from 2.75 % interest and {$1700.00} dollar payment. They never once tried to fix the partial claim that would have helped me and now act like they dont want to fix it to reflect the back amount owed that the VA will cover which is {$24000.00} and some change. I just want this company to come clean and do whats right. I couldnt help but default on the loan to begin with because of covid.

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 2022-05-14
Company: WELLS FARGO & COMPANY
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/22 XXXX $ XX/XX/XXXX I was scammed out of XXXX XXXX I filed a claim, Wells fargo & XXXX both failed to conduct an actual investigation and my money was never returned to my account. XXXX XX/XX/XXXX I was scammed again for XXXX $ from a merchant that I use often but this time around they did not deliver what I paid for. I filed a police report because of the lack of trust I have with wells fargo and XXXX to conduct an investigation to retrieve my funds. XXXX. I want my XXXX $ back or I will escalade this matter. If nothing is done I will be seeking legal help to get my money back rather its through the courts or XXXX arbitration. I work too hard for my money not to have it returned back to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-30
Company: Shellpoint Partners, LLC
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:
XXXX XXXX XXXX add comments to my credit profile regarding loan modification service which I participated in under the Cares Act. In addition, XXXX  has consistently reported inaccurate and inconsistent payment statuses across the 3 different credit bureaus. Shellpoint is in violation of FCRA. 

1. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

2. 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.

3. 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.

4. 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 I purchased a round trip ticket to XXXX in the amount of {$840.00}. Due to the coronavirus and border closure, my flights were cancelled. When this happened, the DOT had already released their notice to airlines/third party travel agencies that all refunds due to coronavirus cancellations must be processed in full and in cash. I attempted to contact the merchant ( XXXX ) first with no avail. Since I couldnt get ahold of the merchant, I proceeded to contact capital one to file a dispute. The dispute came back denied, so I again tried to reach out to the merchant. This time, I did get a hold of the merchant, only for them to blatantly not comply with the DOT notice, and actually be suggested to file a dispute with my card and a complaint with the DOT. I did both. I filed a complaint with the DOT and proceeded to appeal my dispute denial. With this appeal, I equipped Capital One with all necessary information including : a letter, proof of flight cancellations, and the DOT notice. My appeal came back denied as well because, VISA did not see an updated policy for refunding cancelled tickets due to COVID-19 on XXXX. I am now stuck with my money held hostage, and no one willing to help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
See attachments I am making this complaint on my own behalf There is no third party involved This is not a mistake nor misrepresentation

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 2023-05-30
Company: Sequium Asset Solutions, LLC
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: Information belongs to someone else

Complaint:
I was alerted about a collection account being added to my credit reports ( XXXX, XXXX XXXX XXXX ) After reviewing the information it stated it was From Sequium Asset Solutions- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX for a XXXX account from XX/XX/XXXX in the amount of {$310.00}. I have never had a XXXX account. After speaking with XXXX today I have learned that a address of XXXX XXXX XXXX, XXXX XXXX, Tx XXXX was added as a address for me through the credit bureau. I have never lived in Texas or have even been in Texas. At this time I am disputing the above account and address being added. 

XXXX I was told by XXXX to include this information also when submitting the above information. In XXXX of XXXX a application for a credit card for XXXX  XXXX XXXX was submitted, which I never applied for and the inquiry for this account was removed. ( # XXXX Research request number ) I just noticed now after reviewing my account that there was to additional Inquiries on XX/XX/XXXX and XX/XX/XXXX which I am disputing also through XXXX. 

Thank you for your time in the above matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: NE
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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

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 2023-05-04
Company: EQUIFAX, INC.
State: TX
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a too good to be true item online. The seller immediately charged my Capital One credit card for the item which carried the " XXXX '' banner and sent an official looking email with all the correct XXXX logos and contact numbers stating to log into my XXXX account for information on shipment status. I do not have an account with XXXX. I emailed the " merchant '' on XXXX different occasions with no response. I filed a claim with CapitalOne twice and they said they have closed the case and the charge of {$96.00} was reinstated to my account. They said I need to contact the merchant and work directly with them. I filled out Capital One 's form and told them twice there was no way to contact the merchant. 

I am wanting CapitalOne to deal with this and return the fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
On XX/XX/XXXX, I paid Chrysler capital {$27000.00} and paid off My XXXX XXXX 2017. Since then even though I called and requested them to release my title, they didn't send me. 
As a result I am unable to Sign a contract with XXXX  XXXX. XXXX XXXX was interested to give me Bussienss. 
Chrysler Capital is not bothered at all to send me my title which I have right to have it. I need my title ASAP. 
thank you very much XXXX XXXX XXXX XXXX XXXX

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: 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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-30
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My account was charged fraudulently for two identical transactions on XX/XX/2023. I submitted a claim and both charges were temporarily credited to my account. A month later, the bank denied the claim for one of the charges and {$500.00} was taken from my account. I do not recognize the vendor and have never made a transaction with them before. The bank refuses to return the {$500.00} after I have called and complained several times. This account is linked to my mortgage and now is at {$0.00}. Please help me recover the funds.

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 2022-09-15
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX I deposit a cashier check for {$15000.00} I purchased the check from my Chase Branch myself with my ID and I purchased into my account and Chase said it was a fake check how if I purchase it from the bank they closed my account due to that saying they needed a receipt thats fine because I had one but no one asked for it so how was I supposed to know and I have remaining funds in my account they wont let me take out. I feel as though Im a XXXX XXXXXXXX woman I cant afford to have {$15000.00} but thats wrong because Im XXXX XXXX XXXX Im in XXXX I attend XXXX University at XXXX XXXX Im at XXXX I have to put down on a loan and a down payment for my car but I cant because they closed my account because they said the check was fake.

Company response to consumer: Closed with explanation