BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: Avant Holding Company, Inc.
State: OK
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:
I received an alert for XXXX/Avant and called them in XX/XX/XXXX to confirm an account had been opened. I reported to them at the time that this was not me and they said that they would investigate. I never heard from them. I had my monitoring service send a dispute letter and complete fraud package including an ID Theft Affidavit, Police Report, identification, etc. on XX/XX/XXXX, XXXX we confirmed it should be sent to : XXXX. I have never received a confirmation that my information was received or that this has been resolved. I resent an inquiry on XX/XX/XXXX with the documents asking for a confirmation that my email was received. I have not heard back. It has been over 60 days since my original dispute with no correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting 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:
Someone is fraudulently using my information in an attempt to open lines of credit. 

On XXXX I was alerted by XXXX that a hard inquiry was made on my account on XX/XX/ by JPMCB which resulted in a decrease in my credit score. I did not apply for any credit. I contacted XXXX and they put an additional level of alert on my credit file. 

On XX/XX/23, I was again alerted by XXXX of another hard inquiry on my account by JPMCB which again resulted in another decrease to my credit score. I DID NOT APPLY FOR ANY CREDIT from JPMCB. 

On XX/XX/ I contacted XXXX XXXX department to dispute the inquiries and have them removed from my report. I also placed a freeze on my report. XXXX also advised me to file a report with your agency. 

On XX/XX/ I contacted Security Verification at Chase Bank. They confirmed that someone applied online for a credit card using my information.The applications were denied and flagged as fraud. They agreed to have inquiries removed from my credit file, and to send me identity theft information in the mail. 

It is apparent to me that the online application was a result of credit card mail solicitation that was intercepted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: WELLS FARGO & COMPANY
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. 

15 USC 1681 Section 602 States have the ight to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B A creditor may not treat a payment on a credit card account under a 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 non-monetary relief
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an auto lease XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXXXXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my XXXX day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX  XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me XXXX days late in XX/XX/2022. There was an error on their part. I was never XXXX  days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: MI
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 mailed certified letters in XXXX and in XXXX of 2023 to all 3 credit bureaus to update or remove inaccurate information off my credit report. The creditors just verified the accounts. Law requires that they report accurate information on my credit report. The information is not accurate at all. They are reporting different information on different credit bureaus, and not updating or deleting the inaccurate information. It is so frustrating how they can just say the account is verified and not fix the errors all on my credit report. I feel like the credit bureaus are teamed with the creditors on my account and just hoping that I will go away and forget about the errors. I was told that I can come to you ( CFPB ) to get the credit bureaus to do what is right in this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have had my ID compromised 3 times in the last 15 years. Through data breach and my wallet stolen. Once while working at XXXX in Pennsylvania. All my cash and CC were stolen. I called them all and cancelled info and cards. 
XXXX insists I have a CC through XXXX I do not/never did XXXX had me as having a card- I do not/never did The reporting agencies have me down for something from a place called XXXX.- no idea. 
XXXX card- I have never had one. 
There are also a tone of credit inquiries on my report that I have not initiated. From California, Arizona, XXXX XXXX and other weird inquiries. 
One of the agencies has my name as XXXX XXXX XXXX XXXX/ It is XXXX XXXX XXXX . 
At one point I was listed as living in Montana AND a XXXX XXXX XXXX in Maryland at the same time. They have me once residing at an address in XXXX that I have never lived at. 
A collection agency keeps reporting me for a XXXX XXXX from over 10 years ago that my insurance paid and my husband paid the difference by check. 
I have contacted the agencies and they send a letter to my home telling me they can not verify me. I dispute over and over again to no avail. I have lived at my current address for over 14 years. There was a loan co signed for my dead Mother who passed 13 years ago still on there.

I have only three active credit cards and they are in good standing. XXXX, XXXX and a XXXX XXXX mastercard. That's it. No mortgage, student loan or anything. 
These errors are killing me. I had hired a '' fix the errors '' company years ago but they were socking me {$89.00} dolloars a month and were only able to make a slight headway after 8 months.

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 2022-05-31
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
the following inquires were not authorized sent letter out on XX/XX/XXXX never got a response back from the bureaus, XXXX, XXXX or equifax. 


1. never gave authorization XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. never gave authorization XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. never gave authorization XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12.The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13.The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: LEXISNEXIS
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
End of XXXX mailed a certified letter and was received XX/XX/XXXX. I received my results of investigation XX/XX/2023. Past the required 30 days, which per FCRA inaccurate information disputed must be deleted. That's complaint No. 1.

No. 2- my dispute submitted to LexisNexis was returned with no deletions or corrections. All old info I requested removed remains. Inaccurate information remains. The bankruptcy listed is inaccurate. They are selling inaccurate information to other agencies which is against FCRA Regulations. Purposely reporting inaccurate information is illegal and if it's not removed I will be contacting a lawyer and sue to multiple violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
University of XXXX withdrew {$220.00} on XX/XX/2018 and another withdraw ( payment ) appeared on XX/XX/2018. - Unauthorized. When I realized, my acct was in negative standing. I called, spoke to a bank representative at US Bank, XXXX XXXX. I was informed to contact University of XXXX, have them reverse the fees and once refund is posted on my checking account, US Bank will credit back all NSF Fee charges accrued. I called University of XXXX and they apologized fees reversed. When first refund credit hit my account on XX/XX/2018, I called US Bank XXXX spoke to XXXX and she assisted with crediting back 8 NSF charges. She informed me to call back when the second refund posts so they can credit my account the remaining NSF Fees ( Meanwhile my checking account has been in a negative standing for nearly a month due to timing of refunds credited back ) The final refund was credited on XX/XX/2018. I called and the XXXX number told me there was nothing they could do. For me to call my branch. I called the downtown location '' : XXXX, was told the manager XXXX XXXX would contact me. I did not hear back in 2 days, so I called back, teller told me XXXX XXXX credited my account a one time courtesy fee of {$36.00}, if I had additional questions to call back. I did, and left a message. I am still owed a total of ( 9 ) {$36.00} Overdraft Fees, for a total of {$320.00}!! I am STILL in the negative and my paycheck has been swallowed to pay this bank back with my direct deposit!! I am still owed

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 2023-06-20
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My vehicle began to malfunction after I had taken it to a car wash on XX/XX/XXXX. The guy that detailed under the hood mustve wet something because ever since my check-engine like was on and my vehicle stopped in traffic twice moments after. Long-story short I towed my vehicle to Kia Dealership XXXX LA the very next day. It has been three weeks since and they claim they dont know what the issue is but will work on it. Then they start throwing prices at me about the fact they even hold my vehicle in storage. Mind you it has been hard to get in contact with who they claim is responsible with my service and when I finally do ( which is 3 weeks later ) he says hes been out. Im not sure how it works but how was my vehicle assigned to someone thats been out? My overall complaint is the unexpected fees charged to me because my vehicle was held in storage. No fees of which I was informed about. I canceled their services in week three and they say itll be {$220.00} dollars. For what? And then I just today find out I was entitled to a rental car until my car was fixed but no person informed me. Even so the services was so poor I would rather tow it elsewhere and have my uncle work his magic. Truly their service is horrendous. ~Kia XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Today is XX/XX/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 2023-12-12
Company: Westlake Services, LLC
State: DC
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:
I just received my new credit report for XXXX and I found quite few auto Accou

nt Review Inquiries on my credit file that wasn't authorized by me. This is the list of th
em. 

WESTLAKE SERVICE INC XXXX XXXX XXXX XXXX XXXX I had to do it over again, complaint forms again with this same problem on another account because CFPB complaints didn't go through on my other CFPB account because of a system glitch technical difficulty. I'm not here to play mind games with you people.

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 2022-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Started to get a series of emails at XXXX XXXX on Friday XX/XX/XXXX that a Bank of America account was being opened in my name. I did not verify my email address or anything, but it looks like the application is in process and the applicant is now updating the associate email address. 

Have tried to get in touch with Bank of America, but only placed on a series of holds and rerouting and now have to wait another hour for a call back.

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 2022-07-13
Company: Experian Information Solutions Inc.
State: VA
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:
on XX/XX/2022 I sent off a certified letter to the bureaus stating to make sure my credit report was 100 % updated and make sure all info was correct. 

the credit bureaus stated account name and number was properly investigation but how is that possible if open dates is inaccurate the date last active inaccurate and date last reported is not accurate.this ground for removal.they also violated my rights under 15 U.S.C 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions I haven't given these accounts written permission to furnish these accounts on my credit report as well. 

XXXXXXXX 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 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TransUnion is reporting a collection from XXXX XXXX XXXX that I didn't sign for!!!!! 
they are also reporting the collection as an open account and a balance that changes often!!! 


XXXX is reporting 2 late payments to my report I disputed the child support ones from XXXX there are almost 15 of them but I have had a wage attachment from my job since XXXX I sent them proof of this with my paystubs and sent more than 4 letters nothing has been done the second late payment was for a credit card I was out of the country on a personal family emergency my sister was killed in XXXX I tried to transfer money to pay the statement bill it wouldn't let me because I was out of the country they thought it was fraud i understand that but not my fault

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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance 's with the fair credit reporting act the list of inquiries have violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy.15 U.S.C 1681 section 2 604 A states a consumer reporting agency can not furnish a account with out written consent Inquires XXXX XXXXXXXX XX/XX/1921 XXXX XXXX XXXX XX/XX/1921 XX/XX/1921 XXXX XXXX XX/XX/1921 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/1921 21

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 2023-06-20
Company: Zions Debt Holdings
State: AZ
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. The following account is inaccurate and has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : Zions Debt Holdings, LLC, Account # : XXXX, Amount : {$1000.00}. USC 1681 section 602A states that I have a right to privacy. 15 U.S.C. 1681 section 604A Section 2, also states a consumer reporting agency can not furnish a account without my written instruction. 15 U.S.C. 1681 c ( 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. 1781 s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I had a charge on my capital one account for a charge I did not authorize. The charge came from a company online site called " XXXX '' for something called a " charge back '' of {$1000.00} received on XX/XX/XXXX for an authorization on XX/XX/XXXX. I had only done business with this company for an online purchase XXXX TIME on XXXX on XX/XX/XXXX for a software update for my automobile which only cost {$140.00} ( Which I have the invoice for ). I didn't notice unauthorized activity in my account as I had many large amounts of transactions going in and out. It wasn't until I did an audit of my account and noticed the fraudulent charge. I then contacted capital one about the issue and started a claim on it XX/XX/XXXX which was denied after sending them information on the on the matter such as the invoice for the order I actually did for {$140.00} on XXXX XXXX. It was denied. Then I reopened the claim on XX/XX/XXXX and sent them additional information such as emails and correspondence. I also sent over my findings of websites with other consumers having this SAME issue with this company. My claim was yet denied again. I did some digging and found out the folks ( XXXX ) who " bought '' the company and reached out to them only to be told that they didn't have access to the original site and that i just needed to file a claim with my bank. The reason capital one kept giving for the denial was because my information was correct on the charge. However, I provided that same information for the purchase made for {$140.00}. So the company used that information to make the mysterious " charge back '' purchase a WHOLE year later! This was clearly fraud and contacted Capital one multiple times on this issue trying to get them to understand that. It lead to my account closing because I was not responsible for that charge in anyway and was not going to agree to pay for it. And to see that others experienced the same problem is beyond me why they can't do anything more about it. The " XXXX '' was taken down and there are no records of anything which clearly indicates some suspicion. The matter is still unresolved.

Company response to consumer: Closed with explanation