BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have disputed and provided police reports reporting of unauthorized inquiries my data was breached in XXXX and XXXX and Transunion reporting innacurate accounts and unauthorized inquiries accounts opened not under my name also unknown refuses to apply federal law

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 2021-02-11
Company: EQUIFAX, INC.
State: TX
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 started this journey of only inquiring with a auto dealership named XXXX XXXX in XXXX XXXX, Texas. I was speaking with a XXXX only. I advised her I did not want my credit run and further impact my credit score. All I wanted to do is get information on a particular vehicle. I gave her my information but I was clear that I did not want my credit run. Next thing I am aware of is that this " manager '' named " XXXX '' has run my credit 9 times with different finance companies. I did not authorize this at all! I left and told them I would take my business elsewhere and that I was very upset at their doings and practices. Totally shady! I had not even made it out to my car and inquiries after inquiries kept digging on my phone. My credit apps that I have in place to alert me kept notifying me of these numerous inquiries. All three credit bureaus are now affected and I have tried to reason with XXXX XXXX but with out any success. All three bureaus will not remove these inquiries either due to their rules and policies according to them. I am requesting your help to get these inquiries off my credit reports. I have been greatly affected by these inquiries and during these hard time due to the economic impact the Covid-19 Pandemic has caused, it's been horrible! Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2022-10-15
Company: SUNRISE CREDIT 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:
XXXX is billing me for false charges.in XX/XX/2022 I moved and contacted XXXX They told me they do not provide service to my new address. Therefore upon moving I paid my last cable bill and turned in all equipment.when I turned in equipment XXXX office told me I was paid up and account was good. Sometime later XXXX mails me letter saying because I terminated service I owe them a fee for cancellation. It was never informed there would be a fee for ending service. Additionally as I mentioned they could not provide me service in new location or I would have continued service.also this is not fair that they can send their false charges to a collection agency and because they say so it appears on my credit report and effects my credit. Where are my rights. XXXX can bully customers and are determined believable and a good customer like my self appears to have no rights and credit bureau just assumes XXXX is right and I am wrong.I thought you are innocent until proven guilty.what have they proved.they can send a bill and customers are expected to pay without any rights to disagree. Please review and provide a response

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 2022-12-28
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I called Comenity/XXXX.com customer service and requested that my account be closed as I am disappointed to learn that Comenity practices predatory lending practices. I had a balance of {$230.00} on my XXXX statement and was charged {$120.00} in " residual interest. '' I have never heard of anything so ridiculous. I made a XXXX payment to bring my account to a {$0.00} balance and was charged {$5.00} in " residual interest '' on my XXXX statement. It's not a huge amount of money but it doesn't make any sense. The math does not add up. XXXX and XXXX should be ashamed. I bet there are thousands of people being taken advantage of in this manner and have no way of fighting back. Please help the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Wells Fargo placed hold on {$3000.00} check even though the check cleared the other financial institution. Wells Fargo is giving very poor excuse that my checking account had overdrafts in past 6 months but whether an account had overdrafts or not has absolutely nothing to do with whether a check is good or bad. Once the check clears ACH Clearing House overnight then Wells Fargo can confirm the check is good. We have also contacted the other bank and they confirmed it has cleared. I have never has a returned check in my life for deposit with Wells Fargo. Wells Fargo has no business placing hold on a good valid check and using irrelevant reason of overdraft as reason for hold. One has nothing to do with the other. Wells Fargo is displaying extremely poor judgment especially now during Global COVID 19 Pandemic. Wells Fargo does not know or care if I have bills that need to paid, or need to buy groceries or go to doctor. Wells Fargo should not be doing this any to customers. Wells Fargo should be ashamed of themselves.

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 2022-04-19
Company: Experian Information Solutions 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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Experian has violated my rights. 

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 Experian refuses to remove all addresses from my credit report that makes me susceptible to identity Theft. I have never lived at some of these addresses.I disputed on more than one occasion and they refuse to delete from my file. I feel like they are taking advantage of my rights and i need all addresses except where i live and receive mail to remain on my report.

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

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 2022-04-19
Company: Experian Information Solutions 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:
Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights 15 U.S. Code 1681s602a-Section 1- I have the right to privacy 15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission

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 2022-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Sent annual fee in to captal one came on due date, because of hospital stay. Company agreed to wave late fee but never did. When I called back a fee was removed but not the original fee which kept adding additional late and they made me pay {$81.00} in fees that should not occurred

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-15
Company: PNC Bank N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX I had XXXX in my checking account before a transaction processed for XXXX for {$15.00}. Afterwards I had {$5.00} in my account. I withdrew {$140.00} and that over drew my account. On XXXX XXXX I was charged two {$36.00} overdraft fees. Then a transaction went through for XXXX XXXX for {$19.00}. On XX/XX/XXXX I was charged another overdraft fee for {$36.00}. I have made several attempts to resolve this issue over the phone and through the member message center but I was told that the XXXX XXXX  transaction was processing when the XXXX charge went through so they charged me an overdraft fee for the XXXX charge and the withdraw. Then when the XXXX XXXX payment processed they charged me another overdraft fee for it. I had enough money in my account to cover either the XXXX transaction or the XXXX XXXX transaction but since XXXX XXXX was pending when the XXXX Charge went through I was charged an overdraft fee for both transactions plus the withdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2021-01-28
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
On my credit reports there is a closed account with huge amount of missed payments. JPMCB - CARD SERVICE Opened XX/XX/2015 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB - CARD SERVICE has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I AM A 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 2023-07-21
Company: JPMORGAN CHASE & CO.
State: NY
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:
On XX/XX/2023, I received a fraud alert text from Chase bank. I responded that I did not recognize the transaction and canceled my debit card. I immediately reviewed my online transaction log and noted 16 unauthorized charges, all to XXXX. I called Chase and opened a claim for all of them, totaling {$510.00} with tax. A couple of hours later, I discovered that my XXXXyo son had bypassed parental controls and multifactor authentication on an XXXX and made these purchases. I notified both Chase and XXXX immediately and requested refund from XXXX. XXXX refunded {$88.00} but refused to refund the rest. XXXX also disabled my account so that I could not access anything. ( I have filed a separate FTC complaint for XXXX ). Chase did " an investigation '' and determined my claim was denied on XX/XX/2023, communicated via letter uploaded to their app. I spoke to a senior person in their claims department ( XX/XX/XXXX ) who told me the claim was " invalid '' but refused to tell me why it was " invalid '' except that it involved a digital wallet instead of a physical card. I asked if she meant to say that my digital wallet could be freely used without authorization by me, and she became flustered and hung up on me. I expect Chase to protect my bank account from unauthorized purchases ( including by my XXXX year old son ) and to limit my liability under the Fair Credit Billing Act. I also expect my use of a digital wallet and/or online purchasing to be protected just as much as purchases using a physical card. Of note, I do not have access to the items purchased, in addition to the fact that purchases were unauthorized. 

Also of note, Chase canceled my replacement debit card without notice on XX/XX/2023. Their debit card department stated via phone call that the claims department did this due to unauthorized purchases using a digital wallet ( presumably, the purchases above as I have not reported other unauthorized purchases ). This would seem to contradict their statement that digital wallets can not be involved in unauthorized purchases. 

I have uploaded the letter from Chase which includes the following : " Contact us if you would like to request the information we used for our research. '' This was refused and the agent hung up on me. I have also attached screenshots from XXXX showing the refund requests to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted multiple disputes regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
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:
My name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credence Resource Management XXXX XXXX XXXX XXXX XXXX account fraudelent opend in my name ). 

Never had XXXX XXXX XXXX XXXX, I found out about it as I attempted to open another phone line & they refused due to the amount owed of {$410.00}. It also a collection bill on my credit that I asked to be removed due to identity theft. I have filed police reports, etc, about this & other issues that have arised over the years. 

It says it was opend 4 months ago ( I also asked for it to be closed they said they couldn't close it due to balance owed ). I also reported & spoke with XXXX XXXX XXXX as well as XXXX XXXX, & Credence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
CITI Bank is holding my money on no grounds! They stated that my account is closed but then took my work check and will not release my funds. CITI BANK doesnt have a branch anywhere in the USA and no one can understand me. Please can someone help 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 2022-06-19
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: Reporting company used your report improperly

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

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

Company 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 2020-02-08
Company: BMW Financial Services NA, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
RE : Consumers need to dispute unfavorable reporting, but also need to add positive reporting histories of credit use between bureaus too. 

BMW Financial of N.A. or BMW USA only reports to XXXX and therefore XXXX can not see the 4 year history of payments on my XXXX vehicle and its status as Closed in Good Standing. I am trying to get a credit line with a bank who relies on XXXX  not with XXXX where this favorable history was reported. I can not add this info to XXXX unless BMW Financial of N.A. or BMW USA agrees to send it and they are not because as XXXX explained, BMW Financial of N.A. or BMW USA is following Federal Law by having only reported to one bureau.

This creates a disadvantage for consumers when creditors both : report to only one bureau, and when consumers want a line of credit from a creditor who relies exclusively on a credit report the consumer can not add favorable credit histories to because by law a creditor is required to report to one credit bureau. Consumers can't migrate favorable credit histories to creditors who may exclusively rely on one bureau.

Consumers need to dispute unfavorable reporting, but also need to add positive reporting histories of credit use between bureaus too.

Resolution : Allow consumers to migrate their favorable credit histories between the bureaus by having the bureaus either give consumers templates and contact info to do so bt/ the bureaus or to issue such favorable credit history reporting in correspondence between the bureaus on the consumers behalf.

My account # which is closed and in good standing is Loan Account # XXXX

Company response to consumer: Closed with explanation