BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am unable to obtain my statements for XXXX, XXXX, XXXX and XX/XX/XXXX XXXX  via the online account center for my Comenity Bank/Bread XXXX XXXX XXXX XXXX credit card account. I have requested assistance via secure messaging and phone with no resolution. My initial request was made on XX/XX/. They are unable to explain why these statements are not available online and they refuse to email me my statements. They have stated they can only provide my statement copies via regular mail but I have yet to receive my statements. 
Why do they send me emails each month stating my most recent statement is available online when it is not? Isnt this providing false information? I should have access to my statements via the online account center at all times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/, I received a phone call from a phone number of XXXX. They claimed to be CHASE Bank and was alerting me about some fraudulent activity going on with my account. I was on the phone with them for awhile until the kept me on hold for over 10-15min. when i then hung up the phone. Later, about 2-3minutes later, I received a text message from CHASE bank, stating that my checking and savings account had a balance that was below {$50.00}. I then checked my accounts and noticed multiple withdrawals from an ATM that was not authorized by me. It was multiple ( XXXX ) transactions of {$100.00}, {$200.00}, {$300.00}, and $ XXXXThat itself made it clear that there were some definite suspicious activity going on. The total amount that was taken from my account was {$4400.00}. I immediately contacted CHASE bank to file a claim of fraud to my account that same day ( XXXX XXXX ). CHASE bank had denied my claims XXXX and XXXX. I then called CHASE bank to get an explanation for the denial. They then wanted me to provide proof that the transactions were not made by myself. So, on XXXX XXXX, I sent over credit cards statements that show myself not in the same area when the transactions were made with time stamps and everything. I also provided a Police report I made. I then waited for another 14-20 days for CHASE Bank to reply, and I got nothing. So I made another phone call to CHASE Bank on XXXX XXXX. The person from CHASE said that they did not reopen my claim for whatever reason and directed me to a Claims Manager. The Claim Manager, XXXX claims that there was not enough proof that it wasn't me that authorized the transactions and claimed that CHASE is not responsible for any of the lost funds. I'm going to continue to do what is needed for this issue to be resolved as I am a victim of fraud. 

Claim # 's : XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: OH
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Problem with personal statement of dispute

Complaint:
Transunion recently removed a bankrupty dismissed remark from my account associated with XXXX XXXX. Transunion and XXXX XXXX blame each other for reporting the remark and I have filed several disputes to both parties neither stated why these remarks were ever reported on my credit or where they came from. Unfortunately my points on my credit score did not change after bankruptcy dismissed was removed. When the bankruptcy dimissed remark was reported to my account XXXX of XXXX my credit score dropped XXXX points. I additionally lost 4 points each month each time I made a payment to the XXXX XXXX account. My score still remains the same as if I had the bankruptcy remark still on my account. Transunion only removed the remark over the phone and not during any of my disputes that I have filed. They did not state the reasons it was removed which would confirm that the remark was never associated with me and never had a house to receive a bankruptcy. Yet my credit score recieved deductions for a remark not associated with the user. A letter was sent with pictures to transunion showing how the bankruptcy remark dropped my credit score. A special handling supervisor XXXX XXXX stated on the phone that even after seeing the points deducted that was never returned that they could not change the points. If a remark was associated with my account that didn't belong to me than it dosent make sense for my points to reflect deductions not related to my own actions or credit use. Bankruptcy dismissed remarks effect credit scores so not sure why after removing the remark my score remained the same. I have documentation of the effects each month. After mailing the letter of evidence transunion did not acknowledge it until I called several times simply to get any response. Each person on the phone gave different response to the issue at hand.

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 2023-02-01
Company: Paypal Holdings, Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Venmo froze my account for no reason they claimed that they needed to verify my identity which had already been verified. Five days later I was still dealing with the problem, and then they decided to close my account out of nowhere for no reason. My wife and I are staying in a hotel and lost our place to stay and all of our belongings and are literally on the street. A part of their user agreement is that even when the count is frozen we should be able to transfer our money to a bank account not only did they not allow me to transfer the funds to the bank account that I already had connected they didnt allow me to connect the new one. I called them about 10 different times explaining to them that my ID was already approved and when they finally put me through to a manager, the things that he says leads me to believe that he pushed for my account to be closed it off spitefully. Now that they close my account they are telling me I have to wait 180 days to receive my funds. Im homeless now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Upgrade, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XXXX of 2022, I saw an offer at XXXX for the Upgrade XXXX  XXXX card. They tout an offer of {$400.00} for opening the account. 

I went ahead and went through their account opening process and found out that it was essentially a loan. They charged interest on the XXXX transactions that I made ( even though paid in full / on time ). To get the {$400.00} for opening the card, you needed to post XXXX transactions to the card in 60 days, and it would post 1-2 billing cycles after this happened - or so I thought. 

After contacting their customer service, I learned I needed to ALSO open up their Upgrade XXXX  Checking account. Never in the process was I provided a link to open up a second account or asked to do so. It was after the 60-day period closed, that I contacted their office to see about the account bonus and they said I needed to open a checking account and that my 60-day window had closed. 

Here 's how they word the offer when you open up the XXXX  card : " To qualify for the welcome bonus, you must open and fund a new Upgrade Rewards and make XXXX debit card transactions within 60 days of your Upgrade Card account opening. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit transaction on your XXXX Checking account. Your Upgrade Card must be in good standing to receive a bonus. '' If that isn't misleading, I don't know what is. I even sent several notes to their support team to ask, " do I also need to open up a checking account to receive this reward? '' and they replied with the same message above. 

I'm reporting this to warn others not to interact or sign-up for this credit card. Also for XXXX XXXX for promoting this misleading offer. It is a loan, associated with a credit card and charges crazy rates. There shouldn't be a product like this on the market. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
On XX/XX/XXXX I have a hard inquiry from XXXXXXXX XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX I have a hard inquiry from XXXX XXXXXXXX XXXX , on XX/XX/XXXX I have a hard inquiry from XXXX XXXX XXXX , on XX/XX/XXXX I have a hard inquiry from XXXX, XXXX XX/XX/XXXX I have 2 hard inquiries One from Capital one and one from XXXX XXXX , and last on XX/XX/XXXX I have a hard inquiry from Capital one bank. Within these inquiries that I've listed I did not recognize or authorize any of these credit pulls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I got paid from someone for doing XXXX XXXX XXXX I deposit checks they let one clear the other XXXX the froze held for investigation no one ever called me and explained XXXX asked what happened nothing they just assumed I did this on purpose. My account went negative and I tried to keep the balance up while they were holding my deposits for investigation all the sudden I see a notification on Wells Fargo site state my accounts will be closed again they never even cared what happened I banked with them for 5 years. I had an awesome experience in XXXX XXXX but up in XXXX XXXX the experience has been awful. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX decided she didn't like me. She would talk to me thru clenched teeth or avoid me all together

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 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
There are XXXX hard inquiries on TransUnion that were not made by me. These companies and dates are listed below. I have not taken action yet with the companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-09
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX I deposited a check to Chase bank to be placed in my landlords account for our XXXX rent payment. The check was for {$1800.00}. This check cleared our account and the image of the check we received has a stamp from Chase bank showing they processed the check. 
The funds from this check did not reach my landlords account, but the money has been removed from mine. 
I have been in contact with Chase bank on two separate days XX/XX/XXXX and XX/XX/XXXX. They insist that this is not their problem and refuse to talk with me further about this problem. 
My landlord has also been in contact with Chase bank, and they have not provided him with a solution to this problem either. 
So now he does not have our rent money, but the rent money is gone from my account. He has provided images of his own account showing there is nothing there. 
I have also talked with my bank on the XXXX and XXXX of XXXX about this problem. They tell me that since the funds have officially cleared and there is clear evidence that Chase has withdrawn the money, there is nothing more they can do on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Bmo harris bank closed my account without investigating properly and put me on a XXXX XXXX  credit report and now it's affecting me opening a account else where When bmo harris bank failed to respond to my issue and never answered my questions and falsely accused me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: NV
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:
The credit bureaus are in violation of 15 us. code 1681i. 

I am victim of identity theft and I have went through all the phases to report the fraud to credit, police, FTC, IRS and the credit bureaus. They did not show how they verified the fraud accounts and have yet to remove the accounts. The account with XXXXXXXX XXXX XXXX XXXX XXXXs not mine and is fraud. I want this account deleted and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

DEPT OF ED/XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX & XXXX : XXXX XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX # XXXX, XXXX. XXXX  # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-05-21
Company: EQUIFAX, INC.
State: SC
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, XXXX, XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: BSI Financial Holdings, Inc.
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company BSI financial is saying we havent paid our mortgage in over a year, messing with our credit and our lives. We have proof of payments, and we have continuously tried to contact them and change it but they keep messing it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: MI
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 AT XXXX XXXX XXXX XXXX, TX XXXX  HAS BEEN SENDING ME COLLECTIONS ACCOUNT IN THE AMOUNT OF $2,050.00,I DO NOT KNOW THIS COMPANY I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY,THIS COMPANY DO NOT HAVE A CONTRACT WITH MY WET SIGNATURE ON IT,BY LAW ANY ACCOUNT THAT CANT BE VALIDATED HAS TO BE REMOVE FROM THE CREDIT REPORT,IF YOU CANNOT PROVIBE ME THE ORINGNAL CONTRACT WITH MY SIGNATURE ON IT THIS MISLEADING ACCOUNT MUST BE REMOVE FROM MY CREDIT REPORT......

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: General Motors Financial Company, Inc.
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Voluntary repossession

Complaint:
I had a car with GM finacial. I have never been late on payments. The car was in the shop for months. I never got a notice of when it was expected to be out of the shop. The shop contacted me to pick up the vehicle. I was out of town for work and could not make it back in the same week. They contacted gm finacial and gm finacial voluntary repossessed my vehicle without my consent or any notice at all. Then sold my car at auction and charged me for the remainder of the loan. Not giving me any payment options and automatically charging it off. Compleatly ruining my credit. The representative was rude and disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Americas Car-Mart, Inc.
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You never provided Verification or Validation of this alleged debt I asked for the 1099 oid and also the opt out document that presented to me during the consumer credit transaction. I also asked for the document with my consent for your corporation to put anything on my consumer report. I never received those documents and yet you still furnish the inaccurate information on my XXXX report Violation. 
Then if you look at 15 usc 1666b a down payment was given for both consumer credit transactions that shouldve have. You can not mix cash with a credit transaction. Theres no statue of limitation On fraud and as you can see your corporation and your partner Car Mart are in default of both accounts due to the fact that they did not explain my contract conspicuously and due to the fact that you have no rights to the security interest in both transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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, XXXX, XXXX has violated my rights. 

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

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

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