BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
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:
I asked Transunion Credit Bureau to complete a verification on the accounts below that are on my credit report. They told me they completed the verification, and everything was accurate, however I completed thorough research myself and found improper inaccuracies on my credit report even after they completed their research. 
In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 an account without my written instructions. 
In the attachments you will see : Dispute Letter sent to Transunion via Certified Mail on XX/XX/2022. 
Copy of the Certified Mail Receipt Credit Report from XX/XX/2022 o The accounts in question and inaccuracies are highlighted Updated Credit Report from XX/XX/2022 o The credit bureau stated my accounts were verified, but the inaccuracies are still present. The accounts in question and inaccuracies are highlighted

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 2023-02-02
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I was contacted by the phone number associated with the XXXX XXXX Police Department. It was a person that claimed they were an XXXX ( provided name, presinct and badge number ). They claimed that I had failed to appear as a court-ordered witness ( I am a medical professional ) for a case in XXXX XXXX on the previous day. After claiming they had body cam footage of the subpoena being delivered to my office and signed, I insisted that I had never signed a subpoena. They were understanding but asked that I come into the station for a signature verification. When I agreed, they insisted that I needed to place a payment for a XXXX XXXX that would be returned to me immediately upon verification that the signature they had was not mine. I became suspicious of a scam but after many " scare '' tactics, threatening pursuit of a criminal action if I did not comply and insisting there was a " gag order '' placed on the case, I was scared to deny them. I completed a transfer through XXXX from my bank to whom they insisted was an agent at the Federal Reserve that would verify the payment. The total amount was {$5000.00}. 

I soon after recognized that it was indeed a scam and immediately went to my bank branch to see if the transaction could be reversed as it still showed as pending in my account. The bank said they could not reverse a XXXX payment but gave me the number to submit a claim ticket to XXXX. I did submit a claim but they came back and said nothing could be done. 

I'm hoping I can get help in recouping the money that was transferred due to the scam. Attached is the police report, the transaction details from our XXXX account, and a letter from XXXX insisting they will not take further action after our request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: General Motors Financial Company, Inc.
State: NY
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 went to XXXX XXXX looking for a car loan. On XX/XX/2018 I gave XXXX XXXX permission to run my credit report. Upon this agreement, I was informed that XXXX XXXX would be reaching out to several banks to try to get me approved but I was also told that these numerous inquiries would be bundled into one, claiming that the credit bureau would recognize it as me shopping for a car. The extra inquires include GM   Financial on XX/XX/XXXX and XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX   on XX/XX/XXXX. When I contacted the gentleman at XXXX XXXX he assured me they would fall off of my report. It's been over a year and these inquiries are damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My wife 's Mastercard credit card, issued by Capital One, had several unauthorized charges that were identified as fraudulent. That card was replaced by a new card. New unauthorized charges were posted to it on the day after the card was received but before my wife used it. I called the bank 's fraud line, and in the discussion with the bank 's representative I learned that the bank had an agreement with Mastercard to automatically update my wife 's card number. This enabled the fraudulent posting to continue. The bank 's representative stated that there was no way to stop such charges other than to " lock '' the card. This makes the card unusable. 

I see from an internet search that some banks give their customers the ability to opt-out of the Mastercard Auto Updater feature. If this is not required for nationally chartered banks that provide credit cards, I believe it should be. It would reduce the burden borne by customers from the apparent inability of Mastercard and its bank partners to prevent repeated attempts at fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: AZ
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/my file/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 you 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 block/remove these files. 

XXXX - XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}. 

If you feel there is a possibility these accounts 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 account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed XXXX attached disputes yesterday with Equifax of fraudulent inquiries on my account by Car Dealer. 

XXXX XXXXXXXX XXXX  Day before yesterday I also explained this to their account rep on a recorded line that these are incorrect inquiries which I did not approve. I was advised to file FTC report and send a copy which is attached here. 

Regardless I am concerned that while US businesses rely on credit reports companies such as equifax who are supposed to do a thorough investigation didn't bother to even ask the dealer if I consented for all these inquiries or where the inquiries originated from and how I authorized them Equifax response is INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. 

How did they decide that these inquiries are factual without even looking at the document where I did not authorize all these inquiries at all. If they have investigated this fairly, I would request them to provide me any such document. 

I am attaching FTC report, the disputed inquries and equifax report when dispute was closed as well as my Equifax XXXX credit report with score XXXX Note that on calling XXXX and filing dispute without FTC report, these hard inquiries were removed from my credit report. So obviously the business of credit reporting overall is not consistent and needs better regulatory framework. They have been given too much leeway. 

Equifax better do a robust job of handling investigations fairly if they don't want to get into trouble for unfair practices

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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 did not authorize nor give consent. 15 usc 1681 602 A state I have right to privacy 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account or inquiry without my written instructions. 

Equifax has the following inquiries I want removed Immediately. 

XXXX  XXXX XX/XX/22 A paystub and passport have been uploaded with complaint for ID purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/2020 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
I contacted XXXX customer service line to get help on activating my new card. I called them three times and all three times when I was finally transferred to an agent, the line would go silent. I said hello multiples times in each call and received no response. If I dont have the capacity to activate my card and then Im unable to receive help from customer service to help me with my concerns or issues, then this is not a reputable business. The services from this company should not be offered to consumers who are seeking use tools to manage their finances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
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:
Dear CFPB, Please assist - I have absolutely no knowledge of the alleged debts listed on my credit report. I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. 

I opened up my mail to find that credit had been applied to in my name. I immediately reported this to the FTC so that the bureaus can rectify the 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 2023-01-22
Company: EQUIFAX, INC.
State: PA
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 XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

The above-mentioned account was furnished without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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:
This is my 6th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-26
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: MOHELA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called MOHELA yesterday ( XX/XX/23 ) and I was put on hold for over two hours before I could speak to anyone.

The reason I called is that MOHELA put my account into forbearance that I had never requested, nor did they notify me that they had done so. If I hadn't happened to log into my account, I never would have known.

Once I finally got someone on the phone, I asked them why they put my account into forbearance. The person I spoke to didn't know, put me on hold to find out, and never figured out an answer.

I messaged MOHELA through their website to ask about why the forbearance had been applied and to confirm that the months on forbearance would count towards Public Service Loan Forgiveness, but they have not yet responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Brought a used truck {$35000.00} and then was paying on it it was more then 50 % paid off then repossessed and sold it and still charging me for it. Now its on my credit for delinquent payments

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 2021-10-09
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I wish to file a complaint against Frost Bank. I am being fined and having money removed from my account because Frost and Visa are refusing to accept a refund for {$300.00} from a merchant acting in good faith ( XXXX XXXX XXXX ). I was told the bank was not aware of any attempt of a refund from around XX/XX/XXXX and so I had to spend {$75.00} calling the merchant. The truth is that the bank declined the refund, and is now saying it is Visa that did it. After going to two branches and making numerous time-consuming calls to finally figure this out, Frost issued a credit for the refund because they could see the merchant did indeed attempt to send it several times. The next day, the refund was rescinded, and I was charged an overdraft fee. I was then told I would be responsible if the merchant did not try a fourth time to issue the legitimate refund the bank refused to accept. This is unacceptable, and not my fault, so I should not be charged for Frost 's and/or Visa 's failing to accept the money back. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-09
Company: Diversified Adjustment Service, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Debt is too old to be collected on according to fair crediting act called my job and told my boss they were a debt agency looking for me and would not stop calling my work number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
{$2000.00} amount on credit card debts. Interest just got really high with no notice send to me. I had to go bankrupt.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was overcharged by late fees. Numerous times.

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 2023-04-26
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: Account information incorrect

Complaint:
Good Day I currently have two credit inquiries from XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ). My credit report states this is inquiry Associated with XXXX is suppose to be removed on XX/XX/XXXX and it's now XX/XX/XXXX. I'm requesting that this inquiry dated XX/XX/XXXX be removed from my credit report, along with the one dated XX/XX/XXXX because this inquiry is associated with the XX/XX/XXXX to see if my credit is in good standing. I tried calling Equifax myself and the representative stated I had to wait for system to remove. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: TX
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 recently requested an investigation to verify the accuracy of a two account on XX/XX/XXXX. XXXX investigated the account and found XXXX XXXX it to be inaccurate, unverifiable, or incomplete. The result was the removal of that account. XXXX XXXX has not provided any debt validation as required under the fcra. Under the FCRA, all information found to be on verifiable or incomplete, must be share with all three major credit bureaus, because they are supposed to be the same on each report. I have continuously sent a copy of the deleted item from XXXX to Experian, but they refused to remove the account, even though under the FCRA, they are supposed to. Please see The following account below. 

XXXX XXXX # XXXX DELETED BY XXXX XXXX XXXX # XXXX Debt validation never provided

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