BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-20
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX XXXX ' not mine XXXX XXXX ' not mine XXXX XXXX XXXX  ' not mine XXXX XXXX  ' not mine XXXX XXXX XXXX  ' not mine XXXX XXXX ' not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023, I received a text message asking if I made XXXX transactions. I replied XXXX, and they sent me a message saying my card was blocked. 

On XX/XX/2023, XXXX transactions using that card were declined for {$27.00}. Another transaction on XXXX XXXX in the amount of {$15.00} via cashapp was also declined. 

However, on XX/XX/2023, a transaction for {$980.00} was approved using the same card that was supposedly blocked. I tried reaching out to the company that processed the transaction to no avail. I then reached out to Wells Fargo. 

They told me that the card was supposed to be blocked but sometimes, a transaction would go through if it was a subscription service. The other XXXX previously declined transactions were subscriptions ( I pay bi-weekly for those ). I explained that if that was the case, the other XXXX transactions should have been approved. 

Of course, I am going to be charged an overdraft fee but didn't they get sued for something like this before? This is beyond frustrating.

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 monetary relief
Consumer complaint received 2023-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
Capital One continues to charge mean " Interest Fee '' for XXXX and XX/XX/2023. I called regarding this fee and the representative explained the credit card company carried forward interest from XX/XX/2023. I have an excellent payment history and pay the statement in full each month. I expressed my due diligence to this recent matter and as an accountant noted how confusing it's billing statement is. My new balance is {$36.00} including the interest charge. I have called three times to correct this error after making two payments in XXXX of $ XXXX and was still charged. I expressed my concern over this business practice and will not be taken advantage of this credit card company for making all my payments in full. I was a loyal consumer to this company even paying off my car loan several years back. I do not trust Capital One as an entity any longer. Capital One has no integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: NJ
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 XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 2023-07-18
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: NJ
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:
XXXX  XXXX allowed someone to sign up for a credit card under my name and now are reporting the stolen identity information on my report as derogatory. i am being negatively affected by this matter and furthermore would like for them to stop i have made a report with the identitytheft.gov they are on the job as well for i believe that to be the best 1st step. below are also my grievances. Thank you for your time. 

15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of reciept. its been 30 days and they are in VIOLATION of this law because I am a victim of identity theft. PLEASE DELETE THESE ITEMS IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Experian Information Solutions 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:
Good afternoon, I'm reaching out again today to follow up on an ongoing dispute that I've had with Experian. Late last year, unfortunately I became a victim of identity theft and had most of my information renewed because of the matter. I also had filed a police report for this for preventative measures in the future and for receipt. I've already notified the bureaus such as XXXX and XXXX about this circumstance and were quick to resolve the accounts in question that reflect the unverified item labeled XXXX. I've already filed disputes to all 3 bureaus, but it seems that Experian is still not removing this item despite the fact and also that the rest of the bureaus have confirmed that these items are unverified. I hope that CFPB can finally step into this matter. Please let me know if you have any additional questions about this. 

Thank you! 

Best,

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 2022-12-08
Company: Experian Information Solutions Inc.
State: NC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX  XXXX Balance : {$200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2021-08-31
Company: JPMORGAN CHASE & CO.
State: IN
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Enticed by their XXXXXXXX Tiered Bonus offer I opened a checking account with Citibank on XX/XX/XXXX within the bonus offer window of XX/XX/XXXX through XX/XX/XXXX. 

( While I once believed I qualified for a {$700.00} bonus, after reviewing the dates and the fine print parameters of the offer, I concede I only qualify for the {$400.00} bonus. These dates and documents confirm that. ) To qualify for the {$400.00} bonus, I deposited an amount that exceeded the required {$15000.00} by the XXXX day of the account being opened, XX/XX/XXXX. 

The account balance exceeded the maintenance requirements ; balance did not fall below {$15000.00} for the minimum XXXX calendar days. The required maintenance period ended on XX/XX/XXXX. 

In XXXX I called Citibank on to verify that I was on scheduled and qualified to recieve the bonus ( I don't recall if it was confirmed to be a {$700.00} or {$400.00} bonus. ) I was told I would qualify if the balance remained through XX/XX/XXXX. 

According to the agreed terms and conditions I should have received my {$400.00} bonus by XX/XX/XXXX. 

I contacted Citibank multiple times after XX/XX/XXXX when I realized I had not recieved the promised bonus. Although not my first attempt, I have recorded that I contacted Citibank on XX/XX/XXXX. I was told I would receive a response within 3-5 business days, case # XXXX. I reached out again after the 5 business days and was told again that I would receive a response within 3-5 business days. Another attempt after another 5 business days I was told that I would have a response in 15 business days from my initial complaint. 

On XX/XX/XXXX, I received a document from Citibank denying my claim to the bonus and they requested I provide documentation by fax to prove that I am owed the bonus. Since they already have all the documentation in their own system I decided to file this 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 monetary relief
Consumer complaint received 2020-02-20
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit 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/2019 at XXXX I purchased a diamond ring at JCPenny store XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX phone XXXX XXXX XXXX his name is XXXX, XXXX   XXXX told me about return policy. I returned a ring back to store at different location and they did not allow me to return a ring she told me " because of commission so we can do exchange '' or returning it back to same store where a ring was purchased. That did not make any sense to me so they did not issue return receipt even they have a ring. I left a ring with a jewelry department manager but no return receipt was given. I am a customer I followed the store policy I turned item with a receipt but they did not give me a return receipt that is the store 's problem. The ring was charged on the JCPenny credit card it is Synchrony Bank ( www.synchrony.com ) the bank has asked me for payment even I have made dispute of this charge due to returned item. 
I have attached documents for your review.

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 2018-12-09
Company: Flagstar Bank, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened account with special offer {$250.00} for opening account with XXXX $ and set 3 recurring payments within 60 days. Met all requirements but newer got {$250.00} bonus.

Multiple employees confirmed that I'm qualified for this promotion and for last 3 month keep saying that it's just a technical issue with account to be credited. First call I was promised 3 weeks  ETA, at next call another 3 weeks, and so on. Last call not even ETA promised, they have " no more new information for me at this time ''. According to special offer attached it supposed to be 91-100 days which is XX/XX/XXXX-XX/XX/2018 at most since I opened account in the beginning of XX/XX/2018. Now it is XX/XX/2018 and still no money, just excuses.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have reached out to Experian several times to dispute my personal information. Experian has continued to report addresses, and names that are inaccurate on my credit report as can be adversely affecting me. I only have one name, and one address.

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 2020-02-20
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We purchased our XXXX XXXX XXXX new in XX/XX/XXXX. We financed through Hyundai Motor Finance. 

In XX/XX/XXXX we had vandalism on our car and was sent a check from our insurance written to both us and HMF. We contacted Hyundai and they told us we had different ways to handle that. 
1. Send the check to them, they would sign it and send it back to us to take to a repair shop.

2. Send the check to them, signed and they would arrange the repair 3. Send them the check signed, and they would apply it to the loan then we could pay for repairs out of pocket. The rep explained it would be just like a payment.

We chose # 3 as that would be the fastest way to get our car fixed with less back and forth. We signed the check, wrote a letter saying we wanted it applied to the loan. We didnt make our payment that month as we used that money to fix the car. 

Soon after we started getting calls from HMF stating that we were late on our payment and had penalties and negative credit reporting. We contacted HMF several times to get it resolved but no one could tell us what was going on. We asked several times to speak with management but never was returned any communication. 

Finally after almost 2 months we finally talked to a manger and they said that they would resolve the problem. They saw the payment but it was applied to the back end of the loan and not as a payment. He could fix that but we would have to dispute the negative credit reports and they would not fight it, that would be the only way to get the credit fixed. So we disputed it, and they did fight it. We still have it reporting negatively on our credit. 

Then at the end of XX/XX/XXXX our car was in an accident and totaled. Our insurance covered the worth, then our gap insurance would cover the remaining, until we received a letter from our insurance company stating that HMF reported we were missing a payment and they would not cover {$700.00} of our loan. We would need to pay that. 

It was our understanding that HMF corrected the missing payment and no longer showed that we were missing a payment. We contacted Hyundai and they stated they showed nothing about talking to a manager and there was nothing we could do. 

Now we have severely negative credit and collections due to an error on Hyundai Motor Finance. We can not get anyone to resolve 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 2018-12-27
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
There is an agency, XXXX XXXX XXXX, reporting negative information on my credit report that has an incorrect mailing address that they are using. After reviewing my credit bureau report, I sent a certified U.S.P.S. letter to this agency and it was returned to me. I am asking an investigation be conducted on this agency by XXXX  and Experian.

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 2023-06-13
Company: Affirm Holdings, Inc
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This has been a night mare I have spent hours upon hours trying to fix this and if I owed XXXX dollars I would have paid it I have never had collections I dont have any late payments. I asked them time and time again to send me a affidavit they keep sending it to a email unknown to me I have explained this over and over again. I found out someone only needs the last 4 digits to your ss # and your birthday to get these loans. My XXXX report had 3 variations of my SS XXXX XXXX different names I have called the so called merchant they have no record of me so I dont know what or who did this crazy thing but I need it gone as soon as possible it is hurting me for no reason. 
I finally got the affidavit from the XXXX to fill out and our mail boxes were broken into all our mail has been stolen 4 times since XXXX and I have had several accounts I had to get taken care of yet none that have made it so difficult as these people. I pay my bills and this is complete craziness that I would have to pay a fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Problem with personal statement of dispute

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

Account name : XXXX XXXX XXXX Account # XXXX I have tried repeatedly to state my case that I experienced financial hardship during COVID and that was only reason for my late payments. I was not granted forebearance as was required. In addition, I am specifically identifying that my account contains multiple errors that have negatively hurt my credit : multiple instances of 60 day late payments that were actually 30 days and all 3 agencies specifying late payments that don't even match with each other. These are clear inaccuracies that I can articulate if I simply had the chance to discuss with someone instead of being messaged and dismissed. XXXX continues to give me the run around, continues to leave these inaccuracies, and I need protection! 

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 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