BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-06
Company: Earnest Inc.
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
okay, so i wanted to consolidate my student loans to get one payment because i have like 6 right now. i researched online and came up with a fairly reputable earnest.com. as i was going through the process, they said they must get access to my bank information, username and password in order to process my loan. since i have searched and found it a legit company on many, many reputable websites i decided i would give it to them and then immediately change my password because this is just not normal. as i went through the process, it seemed more and more off so i decided to stop the process and not do business with them. i emailed the company and asked them to stop trying to access my bank account and to remove all my information. they have not. it has been 4 days since and they are still trying to gain access to my bank account. further, i dont believe they should be able to force me to give them my banking credentials. i figured they just wanted to confirm i had one as most financial services companies do but this is beyond that. they clearly have intentions to continue to monitor me whether i am doing business with them or not ... .and i realize that XXXX XXXX XXXX is running the cfpb right now and probably that coward will appluad their efforts to defraud me but maybe you could do something when that coward is finally removed. there is a lot wrong with earnest.com both signing up and after!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
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: Information belongs to someone else

Complaint:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-09-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I rented a vehicle from XXXX XXXX XXXX for XXXX days ( XXXX ), agreeing to {$280.00} as per the signed agreement at checkout ( attached below ). After returning the car, I was emailed a receipt showing the amount for the rental car as {$5400.00} with the only cited reason for the charge increase being Vehicle Upgrades. I never authorized or requested a vehicle upgrade. My signature was only provided for the {$280.00} charge and I would not have accepted a different value. Neither company will take responsibility for this fraudulent and completely erroneous charge, and both are making it extremely difficult and slow to resolve this issue. 

First, I contacted XXXX on Monday XX/XX/XXXX and spoke with customer service ; during this conversation they said this charge was erroneous and that they would send an updated bill to Chase. This was never acted upon ( but I can provide records showing the call did occur ). 

I have filed a dispute with Chase when the charge was posted in XX/XX/XXXX to my credit card, and Chase took over XXXX months to investigate the disputed charge ultimately claiming that the charge was valid and I have to pay the full {$5400.00} amount. Chase required that I call and provide information about the charge when the dispute was first filed, ultimately starting the dispute investigation on XX/XX/XXXX. They called on XX/XX/XXXX asking for nearly identical information about the rental car service and what I was disputing. Finally the responded with the claim decision on XX/XX/XXXX. 

I have now reached out again to XXXX through a direct email to the CEO of XXXX and other executives requesting this charge be fixed. Additionally, I've filed a complaint with customer relations in XXXX for fixing this charge. 

I am currently in the process of reaching back out to Chase to understand why they think such an extreme, unauthorized, fraudulent charge is valid. Additionally, I will be recontacting XXXXXXXX XXXX customer service agents by phone to see if they can resolve their errors. 

I've attached below the following : 1 ) the initial statement from the third party service ( XXXX ) I used to book the rental car showing an expected price of {$280.00}. 
2 ) the receipt printed by the rental car company after I signed and picked up the vehicle on XX/XX/XXXX. This was the only authorized and signed for charge for this rental car service and its price is {$280.00}. 
3 ) the receipt that was emailed to me by XXXX car rentals hours later after returning the rental car showing the incorrect and fraudulent line items for the increased charge 4 ) Chase 's notice letters ( 3 total ) corresponding with the interactions we had over phone and the final notice indicating no reason as to why they found this charge non-fraudulent and no evidence that they did any investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
Closing date of XX/XX/23 was ignored by XXXX XXXX, XXXX XXXX with PNC Bank. Conflicting info has been given and deadlines per contract for Loan Commitment were not met. 

XXXX XXXX PNC Bank Mortgage XXXX XXXXXXXX XXXX ID XXXX ( cell ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX Locator # XXXX PNC Bank Cell : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute of late payment on Account I understand that according to the federal law 15 U.S. code 1666b ( a ), a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose.

In response 15 usc 1681 a ( 2 ) ( b ) permissible purposese on consumer reports. 

In accordance with the written instructions of the consumer to whom it relates Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Im not exactly sure. I closed my account with Wells Fargo and I dont have the exact dates.

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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2022 XXXX I spoke to XXXX at transuion, he said he had a system error and wasn't able to remove i did not request a security freeze. i am applying for mortgage, WHen they asked me i wanted i said no this needs to be removed asap. Thanks

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: NC
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:
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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting 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 the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I mailed out a copy of my, Sate ID, SSN card, FTC identity theft report, identity theft letter and police report certified mail return receipt, to XXXX requesting fraudulent information be block on my XXXX credit report in accordance to 15 USC 1681 C-2. Which was mailed out on XX/XX/2022 and received on XX/XX/2022. XXXX and XXXX have blocked information but XXXX has not. 

Information I requested blocked due to identity theft Capital One {$1800.00} XXXX XXXX  {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT Date Filed XX/XX/XXXX Issue Needing Resolution : XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX Credit worthiness has been impaired due to an antiquated system that the Department of Veteran Affairs does not comply with Federal regulations pursuant to Chapter 7, Title 11 United States Code ( Bankruptcy Code ).

Issue # 1 - Department of Veteran Affairs Loan #  XXXX was never included in our bankruptcy and was exempt even though they had to be notified as a secure creditor. 
Issue # 2 The Department of Veteran Affairs was not in compliance and should have removed said Chapter XXXX bankruptcy from our credit reports after 10 years from filing the Chapter XXXX petition. 
Background I am a XXXX XXXX XXXX XXXX having achieved the rank of XXXX and a XXXX XXXX Recipient. I purchased my home in XXXX XXXX, CA on XX/XX/XXXX for {$220000.00} and financed the purchase with a Cal-Vet loan through the Department of Veteran Affairs in XXXX, CA. On or about XX/XX/XXXX my wife, XXXX XXXX and I filed Chapter XXXX Bankruptcy # XXXX XXXX JB in XXXX XXXX, CA ( Exhibit XXXX ). On XX/XX/XXXX, we filed a Chapter XXXX Individual Debtors Statement of Intention where in item b. Property to Be Retained we reaffirmed our commitment to keep our home at XXXX XXXX ( Exhibit 2 ). 
The United States Bankruptcy Court XXXX XXXX of California on XX/XX/XXXX filed a Notice of Commencement of Case under Chapter of The Bankruptcy Code Meeting of Creditors & Fixing of Dates for XX/XX/XXXX at XXXX. The Department of Veteran Affairs did not file an objection with in their 30 day period ( Exhibit 3 ). 
On XX/XX/XXXX, The Order of Discharge Was Entered ( Exhibit 4 ). 
Our XXXX loan was paid off in XX/XX/XXXX and is still shown as by TransUnion is an Adverse Account in my credit report dated XX/XX/XXXX ( Exhibits 5 & 6 ). 
A call to the Loan/REO Division of the Department of Veteran Affairs in XXXX, CA on XX/XX/XXXX said that their system would not allow the removal of the bankruptcy even though they were notified as a secured creditor. It is not clear to us that a notification of a bankruptcy can penalize our credit after 10 years or XX/XX/XXXX when the Federal law requires it. I was advised that I would have to contact the various to credit reporting agencies remove the bankruptcy. 
In conclusion, I need the help of the CONSUMER FINANCIAL PROTECTION BUREAU as my credit has been severely penalized from the Department of Veteran Affairs since XX/XX/XXXX and its this same practice may be hurting other California VETS.

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 2019-08-10
Company: Comerica
State: NC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I called the Customer Service number printed on the card and only got a recording " the service is experiencing extremely heavy call volume ; please try calling back at a later time. '' Direct Express ( USDirectExpress.com ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-01
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:
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 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 2021-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My appellation is XXXX XXXX. I am making this complaint of my own accord, there is no third party involved. I do not consent to e-oscar verification. Capital One has violated 15 usc 1681s-2 as well as 15 usc 1692g by failing to validate the alleged debt they are falsely reporting to credit reporting agencies for more than 90 days. I am a natural person, consumer and of sound mind to know and act in good faith. I authorize Capital One to remove this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: DISCOVER BANK
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:
I mailed out a copy of my, Sate ID, SSN card, FTC identity theft report, identity theft letter and police report certified mail return receipt, to XXXX requesting fraudulent information be block on my XXXX credit report in accordance to 15 USC 1681 C-2. Which was mailed out on XX/XX/2022 and received on XX/XX/2022. XXXX and XXXX have blocked information but XXXX has not. 

Information I requested blocked due to identity theft XXXX XXXX {$1800.00} Discover Bank {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with federal credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 in addition to a violation of my privacy reporting without my written instructions violate my rights under 15 usc 1681 section 602, 15 usc 1681 section 604, 15 usc 1681 c a 5 and 1681s-2a1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-09
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
We was miss advise on how to received a line of credit for our company!!! The underwriter advise us to make a partner 90 % owner of the company so that he would added as the primary on the loan because his credit was stronger. After doing so he sent us back to the same branch where the  Asst. V P of that branch had the second contract already completed for and ask my partner to just sign it ... ....     After 2 days the underwriter call and said he was not going to be able to approval the loan, but he was not going to denied the loan ... ... ... ..     So we are now losing several major projects and money!!!!!

Company response to consumer: Closed with explanation