BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have been contacting the credit bureaus about the false information being reported to my credit report the issue is not being resolved

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 2021-11-12
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: Personal information incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Owe 1 past due car note payment and the car company has called me over 4-5 times a day ... everyday for 1 car note past due payment..this company also calls after XXXX XXXX in the evening concerning payments..the company also have representative who call my spouse multiple times a day regarding my debt..the company representatives sometimes call ( name on caller ID ) and dont say a word ... this company is atrocious on how they handle debt from consumers and they should be investigated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX on XX/XX/XXXX sent notice they were transferring my loan To A Freedom Mortage. And By law they must notify Me who they are within 15 days with the Loan no. And where to send the payments to. I heard nothing from them Until today XX/XX/2020, stating I am Past due on my XXXX XXXXpayment. ( I never been past due on any Payment, I even pay an extra {$1000.00} a month to pay my 30 loan off in less than 7 years. ) I called and spoken to 2 reps, saying they didn't have to notify me within that time period.I received the notice 17days past the due date and that was legal. They will not modify the date because I should have paid it on the first. ( Without any information about my loan, Loan no. or where to or how to pay it. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: CITIBANK, N.A.
State: FL
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:
I already reached out to the credit bureaus and notify them of their error posting for these accounts. My records associated with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CITICARDS and XXXX Financial accounts do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

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 2022-10-21
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 am writing this as a formal complaint against Equifax for not investigating and removing the errors and inaccuracies from my credit report. Equifax has violated my privacy and my rights under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed unless they are able to provide me a copy of verifiable proof which they have yet to do after multiple requests. I've never even heard of most of these companies or the inquiries attached to my report so I would like verifiable proof in the form of a signed contract that these are mine. Please see my attached disputes previously sent to Equifax and help me get these deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: JPMORGAN CHASE & CO.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Chase bank will not refund our hotel stay in XXXX which we had no choice but to cancel due to Covid, we had no flight, it cancelled and we had an XXXX XXXX dept alert due to Covid We booked a 6 day stay in XXXX/hotel resort in XXXX for XX/XX/2020. As dates got closer we were in touch with XXXX to see if the flight was going to cancel due to Covid 19. They would not give any information. Finally a month before they canceled our flight, and all flights from the US to Iceland as they are part of the EU. They refunded our money 100 % through our booking agent. See Doc. I wrote to the Hotel but they wanted to hear none of it, saying our stay was non refundable??. In her/their letters to me they lied and mislead about what was going on, see Docs. They insisted they were open but flights from US cancelled ... ..banned as-it-were. She misled on Covid testing on the island, saying we could get ahead in US before leaving ... but that was wrong ... .she said tests in XXXX most likely free, but not sure but online it said $ XXXX, if you fail you have to quarantine for 2 weeks. Turns out you had to get a test there. But our flights were cancelled due to the pandemic. They wanted us to leave our money there and come back within a year, we declined. XXXX had just refunded our hotel in XXXX for XXXX XXXX for identical circumstances. They told us vendors are doing this to millions of people and its against the law. 

I had many phone calls with Chase and mailed them several documents of XXXX XXXX and hotel dialogue. They had many different people it seems working on this and seemingly lost the info. Then they gave me a final form to fill out and answer yes, no, why etc ... .all had nothing to do with our case??? Its clear they don't support consumers and favor with business ... .I got this impression every time I spoke with them. It seems all credit card companies are recognizing the Covid pandemic except them. 

The excuse Chase gave us is we didn't adhere to the cancellation policy??? I was in touch with the Hotel group many times. We travel a lot, 7 times last year. We also have {$5000.00} in flights to XXXX this XXXX and {$5000.00} in cruises. There is an international travel ban now into XXXX and could last pas XXXX. Is Chase going to continue in this vein and not support American consumers?? We don't need credit card companies like this in XXXX We will never book another vacation with them. Please resolve this. The disputed amount id {$670.00} see 10 page PDF that Chase mailed us against our favor XXXX XXXX Cardholder XXXX XXXX, Husband. I have handled all issues here XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio Recovery A has violated my federally protected rights under the FDCPA. I the consumer was never obligated nor responsible to pay you a 3rd party debt collector pursuant to 15 U.S.C 1692a-3. 
You infringed upon my rights to privacy. I was called multiple times by Portfolio Recovery with the intent to harass, annoy and coerce me into paying the alleged debt which I did out of fear.. 
And they still used my consumer report with Extortionate means to coerce and swindle me into paying an alleged debt on an extension of credit violating 18 USC 894 and Portfolio Recovery employees/agents assume criminally liable and can face up to 20 years in jail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX 3.XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX 4.XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX 5.XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX 6.XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX 8.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 9.XXXX  XXXX XXXX XXXX XXXX XXXX VA XXXXXXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
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 2022-10-21
Company: AFNI INC.
State: FL
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:
According to the Fair Credit Reporting Act, AFNI 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 2022-10-21
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am victim of identity theft. And Carter young is falsify information to collect on debt that is not mine. It is fraudulent. They have also violation of FCRA AND FDCPA by adding additional fees to alleged debt to collect. I have sent them a dispute and they sent back a letter with multiple false names which not mine and false information. This is effecting my livelihood. I demand for {$1000.00} due damages carter young caused me stress, mentally, physically, and also emotional distress with the constant calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Dear XXXX XXXX, per my previous complaints, your response is totaling missing the point. 
I DID NOT REQUEST PAPERLESS - this was initiated by your bank, NOT ME. 
The bank continued to withdrawal money fees out of my checking account without notifying me. 
You may be trying to justify the bank 's process, which is totally false. 
and in error of your bank 's technology. Just because my balance was below your ciriteria, ... Why was I not notified of this,? 
YOU SHOULD HAVE NOTIFIED ME!!!! 
ONCe The bank drained all my money for your bank fees, only then, you promptly sent me a letter telling me there was no more money in the checking, due to the bank 's fees withdrawal, but you made NO EFFORT, NONE, at the time you were taking money out of my account .... 
I resent your feedback. You have totally missed the point of my complaint. 
I have made efforts to contact you, only to leave message. You have not made any effort to return my calls. You should take the time read the 5th-3rd 's Reviews ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: PA
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:
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX, and XXXX have violated consumer law code 15 USC 1681 A., I did not authorize nor give consent for late payments to be reported therefore this information violates consumer law. Furthermore, I was not notified of the reported late payments, nor did I receive any form of notification of the reported late payments, this negligence violates consumer law code 15 USC 1666 B. 
I demand that Experian, XXXX, and XXXX provide proof of my written consent to report late payments. If such documentation can not be furnished, I demand that the late payments reported be removed immediately.

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 2023-03-24
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the morning of XXXX my purse was stolen from my car at XXXX XXXX I went into my apartment at this exact time and forgot to lock my car. 
I preceded to get ready for work. I got into my car at XXXX XXXX. and noticed my purse missing. I went back into my apartment and thought I must have misplaced it. My lunch purse was also missing but, again I thought I misplaced them. 
I went to work and thought nothing of it until I checked my online account at XXXX XXXX. 
I told my boss I had to leave and immediately reported this theft to the XXXX XXXX Police Department. I spoke with XXXX XXXX XXXX. He wrote up an Affidavit of Unauthorized Use of Financial Card which was notarized by XXXX XXXX XXXX on XX/XX/XXXX. 
I assumed XXXX XXXX faxed over a copy of the police report. Wells Fargo never received this. 
When I checked my account I immediately noticed fraudulent activity. 
An {$1000.00} withdrawal was taken from an ATM on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATM id XXXX XXXX XXXX. 

In addition, on XXXX {$310.00} XXXX XXXX XXXX XXXX. FL XXXX card XXXX. On XXXX {$130.00} XXXX XXXX XXXX purchase XXXX {$100.00} XXXX XXXX purchase  XXXX {$20.00} XXXX XXXX purchase XXXX {$7.00} I called Wells Fargo and gave them the both claim i.d.s that XXXX XXXX XXXX from XXXX XXXX. XXXX Police department gave me as well as his personal phone number. 
Wells Fargo gave me a provisional credit of {$1000.00} on XXXX. They also gave me provisional credit of {$670.00} on XXXX. No-one told me this was provisional. 
Then on XX/XX/XXXX Wells Fargo decided to do a card reversal of {$1600.00} as they noted this case was not fraud. 
Even though they negligently included a {$5.00} purchase from XXXX XXXX on XXXX which is a purchase I made. 
In addition no-one from Wells Fargo informed me to ad my claim number to the police report and I wasn't aware XXXX XXXX didn't fax this over to Wells Fargo XXXX 
I just emailed them the police report tonight at XXXX XXXX. standard time and no-one told me to fax them the affidavit of unauthorized use of a financial card which I will do in the morning. 
I will refax a copy of the affidavit along with the police report. 
This is exhausting! 
Is this the United States of America, when XXXX  XXXX and financial crimes are not prosecuted? Wow The suspects have more rights than the victims. 
Yes I am a woman and I have been treated unfairly. I am also a single mother and this large financial hit is unbelievable. 
I am going to follow up with Wells Fargo by speaking with a supervisor to resolve this issue after faxing all documentation. 
Thank You!

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 2022-10-21
Company: Experian Information Solutions 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2023-03-25
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account with US Bank has been set to close since the XXXX of XXXX which is exactly a month ago. Since then I have received no correspondence to this affair and my funds are being held for reasons unknown as the closure process has yet to be initiated and all " fraudulent activity '' on my account and on my funds were authorized by myself as well as confirmed with staff to be done on my own accord. After receiving an exceptionally corporate and unperson-able response to my last complaint, I would like to point out you have committed fraud yourself by lying about a piece of correspondence which you claim was sent and responded to XX/XX/XXXX when I have only just received it in the mail yesterday as of XX/XX/XXXX. Spoiler alert, mail within the united states takes a maximum of three business days to reach your recipient. Stop the XXXX, give me my remaining funds and you can stop wasting my time. What an unprofessional financial institution, stop with the corporate XXXX and give me my remaining funds before you face a legal battle that will cost you more than the funds that remain.

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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls. Wants personal information before they can give you details including address Social Security number phone numbers full name. Very skeptical. Hung up the phone without giving them this information.

Company response to consumer: Closed with non-monetary relief