BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-23
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
Company: EQUIFAX, 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:
XX/XX/XXXX submitted dispute with Equifax regarding XXXX XXXX XXXX XXXX DBA XXXX, that is listed on my credit report. 

When my son first received the email from XXXX on XX/XX/XXXX there was not an itemized list of what amounts represented, there was indication of date owning there was just a final total of {$7100.00}. I never received an email only my son received. We were co applicants on the lease. XXXX XXXX XXXX employees only sent emails to my son. 

I wanted verification that the amount listed as owning was accurate and from what period this amount is dated. 

XX/XX/XXXX I received notification that the balance was correct. Which does not address my issue with validation, no information on dates, what charges represents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed by Wells Fargo cause I didn't close it

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 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
In XX/XX/2019 I received notice my score dropped due to a missed payment. I went into my XXXX  app to check what happened. I discovered a loan that is not mine from XXXX XXXX XXXX. I contacted the bank who basically told me I was being dishonest and the loan was mine. 
I filed an identity theft report and disputed the information. XXXX  just did the same thing the bank did and stated its my loan. 
I did not take out this loan and never received any money from this loan. This is not my loan and I believe I am the victim of identity theft.

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 2020-05-02
Company: JPMORGAN CHASE & CO.
State: GA
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 INFORMED CHASE ON XX/XX/XXXX VIA THEIR WEBSITE THAT I WANTED TO INITIATE THE BELOW DISPUTES AS THESE ITEMS WERE CANCELLED AND I HAVE NOT BEEN ABLE TO GET THE MERCHANT TO RESPOND. I WANT CHASE TO DISPUTE THESE CHARGES ON MY BEHALF AND CONTACT THE MERCHANT TO GET ME A REFUND. 

Post Date Description Category Type Amount XX/XX/2020 XXXX Shopping Sale XXXX XX/XX/2020 XXXX Shopping Sale XXXX XX/XX/2020 XXXX Shopping Sale XXXX XX/XX/2020 XXXX Shopping Sale XXXX XX/XX/2020 XXXX Shopping Sale XXXX XX/XX/2020 XXXX Shopping Sale XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This ongoing fraud claim with Chase has been quite sometime, on XX/XX/XXXX, Chase has sent a letter to me by mail in regards to my fraud claim that has been updated and unchanged... 
( REFERENCE NUMBER : XXXX ) My credit card has been compromised and I believe someone had stolen my credit card information and has made multiple purchases to the merchant " XXXX XXXX XXXX '' I have never done business with this merchant before and I have no idea who this merchant is.. Chase has made assumptions instead of probable through investigation to my fraud claim which is quite surprising since Chase is a large financial institution with banking fiduciary responsibility.. Don't you think they should at least contact the merchant about this matter instead of asking me to provide documentation and go into detail to find out who used my credit card as fraud? This makes no sense and is hard to provide on my end and Chase also knows this that's why they're sending me in circles to dodge this claim as best as possible. It's not like I do not want to provide documentation, But there is none.. Chase 's global fraud operation team DID NOT even hesitate to even investigate my claim so they dragged this claim for several months.. ( going back to XXXX ) This incompetent behavior is unethical, and does not meet industry standards of compliance, and consumer protection. They also contacted me through phone and have told me they take this matter " very seriously.. '' I talked to XXXX, from Chase 's fraud department and she told me she will get back to me on the next business day but she never did.. And, also I talked to XXXX from the same department. ( XXXX ) ( EXT : XXXX ). In the comments from the letter they sent me by " Card Executive Office '' XX/XX/XXXX they specifically stated " REGARDING YOUR REQUEST THAT WE PROVIDE DOCUMENTATION, OUR FRAUD REVIEWS ARE INTERNAL AND WE ARE UNABLE TO PROVIDE ANY DOCUMENTATION THAT WOULD SHOW WE CONTACTED THE MERCHANT. '' This level of incompetence is inappropriate, and needs to be investigated throughly on a high level from the CFPB since Chase has noticeable issues with their department and has failed to meet industry standards of consumer protection. They also have closed my credit card accounts from my personal/business even stating they have " failed '' to protect me as a consumer. CFPB please take action and investigate this fraud claim and protect me as a consumer because I do not believe Chase is an ethical bank that meets banking standards and I also believe I have lost faith in the credit system since Chase will not do anything in terms of consumer protection about this subject.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Avant Holding Company, Inc.
State: CT
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 tried contacting Avant, the credit card company about an alleged past due balance. I paid my card already however when I logged into my account, it states that I have a past due balance of {$58.00} and change which doesn't make sense especially if they tacked on a {$25.00} fee. I should not have a past due balance nor should I have a late fee. I called Avant this morning on XX/XX/2021 XXXX times and each time the representative hung up on me and neither time did they call me back while I tried to resolve this issue. So now instead of calling back, as I am very frustrated I decided to submit a complaint as that is not how you treat customers. No one should be hung up on while trying to resolve an important matter and have no one call back. The XXXX numbers that I called are ( XXXX ) XXXX and ( XXXX ) XXXX. Each of those numbers I called and spoke to XXXX different reps and was hung up on each time. I have never had a late payment or overage on this card, never taken a cash advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Wells Fargo incorrectly charged overdraft fees on debit and ATMXXXX through 2015.Atm debit card fees {$3.00} per transaction.

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 2020-12-03
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called Credit Collection Services after I spoke to XXXX. This account is not my account. I have a great relationship with XXXX and they told me to talk to CCS directly. When I called CCS they told me to pay the account to have it removed from my credit. Why would I pay an account that is not mine? THIS ACCOUNT IS NOT MY ACCOUNT PLEASE HELP ME!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I went into the bank after depositing a check for {$500000.00} and {$6000.00} to finance a transaction for a vehicle, I also had a letter of credit for security collateral and a finance statement from the Secretary of State to update my files and to begin consumer transactions. I was immediately denied and told that Regions Bf its Affiliates does not provide those types of services. She them called the police on me and had me wrongfully arrested. 

I have documents for regions, the federal reserve, FDIC, Comptroller of Currency, SEC, and the Treasury. I authorize you to send those documents to those agencies.

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 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have visited multiple car lots and I did not authorize these credit checks.

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 2020-03-12
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:
I just recently looked over my credit report and I detected some accounts that do not belong to me but are being reported on my credit file. I have no knowledge of any of these derogatory accounts. I also have no understanding of how someone or who would have access to my credit. Now because of this, there is no possibility of me obtaining any new credit. Please perform a re-investigation into this problem and have those derogatory accounts deleted from my credit file.

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 2021-06-30
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report and noticed unauthorized inquiries. Tried contacting credit reporting agency and the creditor and got the run around. These unauthorized inquiries are hurting my credit. These are the inquiries below : XXXX XXXX XXXX  XX/XX/20 XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX XXXX  XXXX XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Got a phone call on XX/XX/XXXX around XXXX from XXXX demanding my name address social number etc upfront without trying to tell me the reason for the call.finally got a name from them and reason and I did not refuse to pay said debt which is said to be lower than is whats on my credit which through a flag and then told me a different finance company than I signed with then proceed to threaten me me if I didnt set up a payment right then through bank draft that they were going to take legal action especially when I told them Ive never received anything in writing from them stating what I owed etc.funny that I just got a letter stating that said finance company just sold the loan to XXXX in XXXX ha but getting a call from California the very next day being threatened

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
companies continues to report inaccurate information on all accounts, notarized certified mail has been sent along with US government identification proving identity theft, along with a notarized sworn statement as required by law. multiple disputes dating back to XX/XX/. XXXX, transunion, and XXXX continue to violate title 15 usc 1681b, title 15 usc 1681c-2, title 15 usc 1681s-2 , title 15 usc 1681n and title 15 usc 1681o. consumer financial protection bureau is also being negligent in holding these companies responsible for their actions

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 2023-11-27
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Can not access my money nor contact anyone. Cant get into ATM, check writing or close my account. No one to talk to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: NV
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: Their investigation did not fix an error on your report

Complaint:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.

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 2023-11-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had several fraud claims against my account and was told these claims were to be investigated.. However, with Chase 's fraud operation team they talked to me about it so kindly and told me they take these claims very seriously and I actually believed in them. That however, is not the case. They said they will call me back in regards about my disputes/fraud claim with the merchant " XXXX XXXX XXXX '' but they never did.. Also, today as of XX/XX/23 they have closed my business/personal credit accounts saying it was closed due to " fraud '' with no legitimate reason or a call for a notice.. This fiduciary irresponsibility needs to be further investigated by the CFPB because this is unacceptable. I never wanted my cards closed, or wanted my cards to be stolen so someone had used my credit card information for fraud. I believe Chase is not a credible company with no integrity or honesty.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Global Lending Services LLC
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: Information belongs to someone else

Complaint:
The amount alleged owed {$7500.00}, on XX/XX/2014. I have contact and told this company this account is not mine and never has been. I asked them to send me proof that the account is mine with signature and they did not send me a response back very XXXX. I sent XXXX letters to them asking for removal of unauthorized account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am submitting this CFPB complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA. I need the following items removed off of my Credit File as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$7300.00} XXXX XXXXXXXX XXXX Balance Owed : {$1500.00} ( previously late open ) XXXX XXXX XXXX Balance Owed : {$0.00} ( previously late open ) XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX Unpaid Balance {$15000.00} XXXX XXXX XXXX  XXXX Unpaid Balance {$120.00} XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021. I demand that you remove these fraudulent items from my credit report immediately, and provide me with a written confirmation of the removal. Failure to comply with this request will result in legal action against you, as I will not tolerate any further damage to my creditworthiness.

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