BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-25
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:
This loan with XXXX XXXX  belongs to XXXX XXXX. XXXX XXXX did not sign the promissory Note or mortgage. Please remove from my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: M.A.R.S., Inc.
State: AZ
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed their information. I sent proof of payment. I contacted original creditors and was told since the employee that sent me the email is no longer working there they cant do anything and the email I received is not valid and they can only go off what is in their system. After that the collection agency updated my credit file to demonstrate a more recent delinquent date. I moved from these apartments in XX/XX/XXXX. They did not report this until after a year later in XXXX, when I never even owed this amount in the first place. When I was purchasing my home in XXXX, I found about this debt and had to pay it off for home qualifying purposes. I was assured i would receive a debt deletion letter which was never received. However, Now with their new update I am being told that his will not be removed until XXXX or XXXX, almost 10 years. I have been disputing this charge for years and have provided this agency ample opportunity to make corrections without any resolution but rather more frustration. As the letter that they gave me says I wont dispute the credit card, I have never had a credit card with them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a loan from OneMainFinancial 2.5 years ago and I have been paying {$350.00} per month but I noticed that my loan balance is not going down, it remains {$9000.00}. I called and asked them why I am paying every month {$350.00} and my balance is still the same. They said they charge {$8.00} per day if it's paid after the due date, that was the first time I was hearing about that. I asked them to send me the contract for about 10 times but still haven't received that. I asked them to reduce my balance, they refused. I feel like I am getting ripped off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: M&T BANK CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Description of Complaint : Impacting Credit Score ( Caused by M & T Bank ) XXXX XXXX reported I had a late payment in XX/XX/2022 due to an error by M & T Bank. 

My online payment did not process due to my bank after People 's United Bank was bought out by M & T Bank and a processing error occurred from M & T Bank 's end. 

XXXXXXXX XXXX  then reported a late in XXXX XXXX XXXX to Credit Agencies. 

The processing error was completely outrageous because M & T Bank said in writing they would honor the old account number from People 's United Bank and did not honor this. They have had tons of trouble with their online banking and this bank under current lawsuits in the state of Massachusetts. 

This bank should be held accountable for these types of errors.

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 2022-04-14
Company: WELLS FARGO & COMPANY
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
WELLSFARGO XX/XX/2022 @ XXXX XX/XX/2022 @ XXXX XX/XX/2022 @ XXXX XX/XX/2022 @ XXXX And they call EVERYDAY as if my phone was bugged, typically after I have a phone call where I am speaking about money. That's just for this week, it's like this every week. I no longer have an account with them and they are holding my stimulus check and refuse to return it to the IRS.

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 2023-09-18
Company: Eastern Account Systems of Connecticut, Inc.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a fraudulent report. This debt does not belong to me. I have communicated this to XXXX multiple times via phone and in person. I have an active and paid up account with XXXX in my name. I had to dispute this to even get the account. A collection agency reached out on behalf of XXXX via mail on XX/XX/XXXX. I called immediately to dispute this matter. I was instructed by XXXX to share by email XXXX ) photo ID XXXX ) copy of my lease for the dates of XX/XX/XXXX to XXXX and then to fill out the XXXX ) fraud affidavit packet. I submitted all of this information on XX/XX/XXXX. I never received any follow-up communication or additional debt attempts. Collection told me they would freeze reporting on this. Again this is fraudulent and not my debt. Someone used my information to get this service. I did not live at the address they listed. this is not ok to report on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I recently sent in a request for XXXX to investigate why this account is reporting inconsistent information on my credit report to no avail. This company has made it difficult to get an understanding on why this account is reporting the way that it is. I have also tried to dispute this account on all 3 credit bureaus to no avail either. This account is reporting multiple inconsistencies and should be removed from my credit report as I feel that they have not complied with Metro 2 reporting guidelines.

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 2023-08-16
Company: Experian Information Solutions 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:
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.

has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2021-06-24
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: Information belongs to someone else

Complaint:
On XX/XX/2021 sent a 3 letters regarding fraudulent accounts on my credit report. To this day over 60 days later and I still have not received a response yet. I like im being take advantage pf and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 was also affected by equifax breach and ive been getting alert that my information was compromised on the dark web. I have never done business with these companies and i am asking that these fraudulent account tp be removed. I have attached my Drivers license and the FTC reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have an acount that is 7 years old and according to the Fair Credit Reporting Act. that acounts that are 7 years or older should be removed. I have deputed this account with Experian Report Number : 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 2020-02-18
Company: EQUIFAX, INC.
State: IL
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 sent over several police reports with Equifax and XXXX. I have also showed them my correct name. They have several fraudulent accounts with different names along with my correct name. Which is causing me to have several unknown accounts under me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a joint co-signer on my mother s bank. The bank sent me an ATM while I was in XXXX someone stole the ATM I have never received it and activated it and withdrawn a total of XXXX. The bank even though I told them that I filed a police complaint online and that I have my traveling tickets confirming that I was in XXXX the time of the withdrawal which happened between XX/XX/XXXX and XX/XX/XXXX keeps saying that it was 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 2023-07-27
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:
This account was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer if any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.I received no such notification. I also am a victim of fraud and identity theft, which I found out about 8 months ago. I sent a letter of suppression to block the XXXX XXXX XXXX XXXXXXXX reporting on XXXX and Equifax is showing XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX reporting, which were both deleted. I included FTC and police report with my ID documents and 605B letter. I am sending it out again this week, since both XXXX and Equifax are reporting the inaccurate information still. I want the collection accounts removed as I should have none. XXXX is the only CRA reporting correctly XXXX collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express had a XXXX card promotional offer with XXXX. When you clicked on the link, it was a {$3000.00} spend in three months and you get XXXX points with a {$50.00} statement credit. American Express continues to say that they only offer XXXX points with a {$2000.00} spend. I have tried to solve this problem several times with the credit card company only to be told this offer does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had been banking with Chase Bank for over 25 years. On XX/XX/2019 they sent me a letter ( which I received XX/XX/2019 ) stating they had decided to close all my accounts ( Checking and Saving ) with them. I went to their branch near my house and spoke to the branch managers that I had been seeing all these years and they logged in to my account only to find out that no new account to be open for me and no additional reasons to be provided on their decision to close my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The personal information on my report is wrong. The only personal information that should be on there is my name and current address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MO XXXX. Please delete all names and addresses that are not the ones I just listed. Any phone numbers and jobs need to be deleted as well as they are all wrong.

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 2022-04-13
Company: JPMORGAN CHASE & CO.
State: CO
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:
My wife and I received a call from Chase credit cards that they saw what they believed were fraudulent charges on our credit card in XX/XX/XXXX. We agreed that 4 of the charges were fraudulent on our card and therefore closed this card and opened a new card. Chase started the process of fraud resolution and finally noted that they closed 3 of the 4 charges and said they were charging us for the fourth item. This item we were told on XX/XX/XXXX by Chase was considered a legitimate charge and that we need to pay it. This item on our bill was from " XXXX XXXX '' for {$390.00} which is a XXXX XXXX XXXX in XXXX XXXX area. We live in XXXX and have not been to XXXX XXXX XXXX for 20 years. We disputed Chase again with the following email : Chase, We are sending this email to substantiate a phone conversation that was had between XXXX, a representative at XXXX XXXX, and XXXX and XXXX XXXX. After a rebill was presented to the XXXX XXXX and several conversations with Chase, we reached out to the XXXX XXXX XXXX. XXXX said that the charge was made online, the person making the booking had my name, card number, security code, and address. XXXX presented an email that was " XXXX ''. I did not write the email down however, XXXX does have this and it is not associated with my account. We have not traveled to XXXX XXXX XXXX in the past 20 years, and did not get the service that was fraudulently billed. XXXX said he has taken this to the top and there is nothing they can do about it but was very supportive to the fraudulent nature of this interaction. Hoping that police could become involved and check possible camera footage if any exists. 
XXXX and XXXX XXXX So, we received an email today XX/XX/XXXX dated XX/XX/XXXX from Chase indicating that they re-reviewed all the data and we still are responsible for paying for this fraudulent charge to our card.We have been with Chase for 30 years and have never had an issue but this one effects me and my credit. I don't intend to pay the {$390.00} but will pay the other remaining balance and close the card. Can you help here???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello since XXXX Ive been making rounds with various companies such as Capital one because my information was leaked or breached and because of that the last XXXX years so XXXX has been using my information to commit identity fraud. They opened various accounts with many banks and even leased an apartment. They accumulated debit under my name and even with evidence and proof and sufficient data to see none of the account openings and transactions were authorized by me they refused to remove it off my credit which has went down a lot considerably especially when I wasnt the one who opened the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX : acct # XXXX XXXX XXXX XXXX  XXXX acct # XXXX XXXX : acct # XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX  : acct # XXXX XXXX XXXXXXXX XXXX  : acct # XXXX XXXX XXXX XXXX : acct # XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX : acct # XXXX XXXX XXXXXXXX XXXX  XXXX : acct # XXXX 15 USC 1681 a ( 2 ) - consumer reporting agency may furnish a consumer report under circumstances in accordance with written instructions of the consumer to whom it relates.

15 USC 1681 section 602 A- states I have the right to privacy.

15 USC 1681I- Reinvestigation is required

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 2022-03-03
Company: TMX Finance LLC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
On XXXX XXXX my vehicle was repossessed by the title loan company I then received notice I had 10 days to pay the loan in full by XX/XX/2022 or the lender could sell the vehicle I contacted their resolution department and they told me if I paid {$850.00} by the XXXX then the car would be mine again. On the XXXX of XXXX I paid the balance due at {$850.00} then when I was give me the telephone number to the place where my car was being held they gave me the address come to find out they took my car 2 hours away to another city different from where I reside or where the car was repossessed or where the title loan was even conceived when I informed them I have no way to get 2 hours away they just were like sorry for you. Here it is now XX/XX/XXXX and my car still in a different city.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to express my utter frustration and disbelief at the abhorrent level of service I have received from XXXX, Experian and XXXX in regard to incorrect information on my credit report. Since XXXX, I have tirelessly and diligently attempted to rectify this matter, only to be met with sheer obstinacy and an unwarranted refusal to correct a glaring error on my report. It is nothing short of infuriating that these company entrusted with such sensitive financial information, has displayed such blatant disregard for the wellbeing and integrity of its customers. This relentless stonewalling is not only unprofessional, but it undermines the very purpose of the Consumer Financial Protection Bureau and its mission to safeguard consumer interests. It is high time that XXXX, Experian and XXXX be held accountable for its disgraceful conduct. The intransigence displayed thus far is nothing short of a gross injustice, and I implore the CFPB to take swift and decisive action to rectify this egregious situation. Your immediate attention to this matter is not only warranted, but demanded, as I refuse to accept anything less than a fair and just resolution to this issue.

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 2023-02-07
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: Was not notified of investigation status or results

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. XXXX : # XXXX The following have continued to be violated repeatedly : 15 USC 1681 Section 602 A I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 5 1681b Permissible purposes of consumer reports.

15 US C 1681 section 604 A section 2 States a consumer reporting agency can not furnish a account without my written instructions. 
REMOVE IMMEDIATLY FROM MY CREDIT REPORT. NOT INVESTIGATION HAS EVEN TAKE PLACE YET YOU CONTINUE TO TO UPDATE STATUS AS COMPLETE. 

LEGAL ACTION WILL BE TAKEN.

Company response to consumer: Closed with explanation