BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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 non-monetary relief
Consumer complaint received 2023-05-03
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was taken back in XXXX I disputed chargers I was given a provisional credit and they denied my claim and have taken credit back. They refuse to pull up ATM footage. They claim I authorized transaction bc whoever has my pin but my pin was mauled to me as well. My account is XXXX  error drawn by XXXX and bow they have taken my check and put it towards overdraft

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I am the spouse of the primary holder of a Discover credit card. I am an authorized user and for many years have managed the business of this account. Discover Card has written authorization from my wife and primary holder, on this account. However, Discover refuses to allow me to be a " joint holder '' because of " insufficient income ''. Not being a joint holder locks me out of important business matters regarding this account. This seems incredibly arbitrary and discriminatory to me. This has been on ongoing problem with Discover and recently has caused problems with the management and fees for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reached out to the bureaus about this debt being reported on my credit report. It is reflecting as a delinquent account from XXXX XXXX  I no longer owe this debt. All obligations have been made.

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 2023-05-07
Company: Kikoff Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
THIS COMPANY IS NOT A DUPLICATE. At this point KICKOFF you have dug yourself into a deep hole. I've given you opportunity after opportunity to simply resolve the issue of unwilling participation in your services. This will be the final complaint personally filed myself. I've outlined consumer laws that you're in violation of and you willfully disregard me. Throughout the duration of this back and forth i've suffered accumulative damages that you're responsible for. 

XXXX XXXX XXXX NOTE, if KICKOFF can't furnish all details requested. YOU are also going to be held accountable for willful negligent behavior with the violation of consumer law. There for you will also participate in the financial legal obligations of damage compensation. I've filled complaint siting law violations and you also ignored my request for detailed information by stating all is confirmed. If this complaint closes with this negative late payment account still being allowed on my consumer report. Please make sure your attorneys are made aware of every complaint filed up to this point. 

YOU ARE REQUIRED BY LAW YOU PROVIDE ORIGINAL CONTRACT FURNISHING ALL ACCURATE DETAILS OF DATE TIME AND LOCATION. YOU ARE TO SEND THIS INFORMATION TO THE CFPB FOR PROPER DOCUMENTATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-08-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for a car loan with a credit union and was denied due to so called unpaid deductables which went to collections without my knowledge. i viewed the report at the credit union and found several variations of my name which were incorrect. I established a account with Experian and requested access to my credit report and they could not confirm my identity. My credit reports do not show up on XXXX XXXX experian only for XXXX and XXXX but Experian is blank. I have been on the phone with experian every other week for the past 3 months and never get a follow up phone call or email with results. When I speak to some one each time i call there are rarely notes left in the system of past conversations and progress. I was instructed to fac in a copy of my drivers license and social security card and was confirmed it was received back in XXXX and no corrections were ever made and correspondence from Experian. i feel like this is being done on purpose or no actual follow through with there staff could you please contact me and let me know what the next steps are. i am ready to take legal action next 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 2023-05-07
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : EASTERN ACCOUNT SYST Original creditor : XXXX  Balance details 0 % paid off Balance {$270.00} Balance updated - Original balance {$270.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Account Status Unpaid Status updated XXXX XXXX ontact info Name EASTERN ACCOUNT SYST Address XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have a XXXX bank account and have no service with other banks except through XXXX. I received a letter in the mail from Bank of America in regards to opening up a debt card account in which I knew it was fraud immediately because I don't do business with Bank of America. I called Bank of America fraud and put in a claim to be flagged and declined immediately for future fraud events. XXXX weeks later I get another letter in the mail with another debt card opened under my name again. I put in another claim and now I am worried my Identity, social security, and more is at high risk.

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 2023-07-03
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was previously contacted by the bureau about fraulent usage so I suggested my card be resent. Instead my account was frozen and I never received anything I had a Estimate of XXXX to be sent to my account from XX/XX/2022. It was already reported stolen by a house old member. I followed all the procedure and never received anything..It 's been a hassle they never even had my correct information on file.

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 2021-11-21
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:
My Auto Insurance states that I did'nt get their best rate because I have only lived at my current address for XXXX  months ( Equifax Report ) not the XXXX months that is required to get the best rate. 
As you can see from the info copied from Equifax 's website I have lived here since XXXX. 
I moved from as of XX/XX/XXXX But some unknown entity reported me living at a different address onXX/XX/XXXX. 
This address is an address I lived atfrom XXXX I spoke with Equifax and was told that they can not correct the information, only remove it. 
As that would remove over XXXX years of my residence history I told do not completely remove the address. 
This is Crucial History and I am appalled that False Information can be added to your Credt Report Permantly and not be able to be corrected, only removed DATE STATUS ADDRESS XXXX XXXX, XXXX CURRENT Dispute this XXXX XXXX, XXXX  FORMER Dispute this XXXX XXXX, XXXX FORMER Dispute this XXXX XXXX, XXXX FORMER Dispute this XXXX XXXX, XXXX FORMER Dispute this XXXX XXXX, XXXX FORMER

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was long time customer someone stole my card and was using it to pay for things Wells Fargo never let me know but when I started checking my online access I called and disputed the charges

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 2023-05-22
Company: SANTANDER HOLDINGS USA, INC.
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last year, Santander Bank failed to pay my taxes from escrow. After going through that experience, with the assistance of the CFPB, they sent me a letter from their Executive Office saying this would not happen again and the CFPB complaint was closed. 

This year, the same thing happened. They did not pay from escrow, I received penalties and interest from the Town of XXXX, and had to pay the taxes from my own funds. 

I faxed the receipt from the Town of XXXX on XX/XX/XXXX to Santander. I have the cover letter and receipt, which I sent to Santander. I am submitting that information as an attachment to my complaint.

Santander has still not refunded my escrow for the tax that I already paid.

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 2022-03-08
Company: ALLY FINANCIAL INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
im writing this complaint because i sent Ally Bank a Request for accounting. Request Regarding List Of Collateral or Statement of Account. As of XX/XX/2022 they are in receipt of Certified Mail number XXXX XXXX XXXX XXXX XXXX and have 14 days from the time of receiving Affidavit to respond and i wanted to let your agency know that this request has been sent, as well as a email to the CEO XXXX XXXX at XXXX, as of XX/XX/2022

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 2023-02-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, experian, and XXXX did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family, not being able to pass a background check for employment, funding my business and this has created great hardship for me and me family as mentioned. 

I attach my previous credit report and my new credit report to show how XXXX, XXXX has violated my rights. 

XXXX has refused

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 2021-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I had some fraudulent items on my credit report, I submitted this information in a letter to the credit agencies. It has been over 50 days, and I have not heard back from these agencies. Here are the tracking numbers that show they received my mail, but ignored my requests. XXXX XXXX, Transunion XXXX, and XXXX XXXX. These agencies ' neglecting my account has caused me a great deal of distress and to lose various opportunities.

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 2018-08-11
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/XXXX, while XXXX XXXX XXXX full-time, I took out a Citi credit card to assist in making every day purchases as I had very low income. During the period in which I used the card for purchases, between XX/XX/XXXX and XX/XX/XXXX, I charged a total near {$6000.00}. Payments on the account have almost always been current with very limited past due payments. 
Since beginning making charges in XX/XX/XXXX, I have always made a monthly payment often higher than the minimum amount due.

However, to date, in XX/XX/XXXX, my balance remains close to {$4000.00} and the company is unwilling to settle the remaining balance unless I allow the card to go into collections, ruining my credit. 
At the time that I took out the card in XX/XX/XXXX, I was XXXX years old and did not understand that I would be paying on the card for the next 11 years. I have since gotten married, started a family and am still paying off this debt incurred during college. I feel strongly that Citi credit card company has taken advantage of me as a young person who did not know better. They used predatory lending practices to prey on me as a XXXX XXXX, instituting high interest rates on my card, and have refused to allow me to settle the balance remaining on my account. 
Just today I tried to settle the account and was informed by both a Customer Service Representative and the Customer Service Manager, XXXX, that I am not eligible to settle because I have been making current payments. If the account would go into collections, they would settle it then. However, because my account is current and I have been making payments toward Payment Protection Insurance, I am not allowed to settle this account. 
These practices take advantage of consumers in a young, volunerabble state and do not allow those consumers to settle or close out their account balances a decade later when they are trying to raise a family. This type of predatory practice results in my family 's inability to rise above the credit taken out years earlier and move on to something new. 
As such I would ask that the company be made to explain why they refuse to settle an account without first ruining the credit of the individual consumer involved.

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 2023-02-27
Company: BARCLAYS BANK DELAWARE
State: TN
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 filed a dispute on my XXXX credit report against Barclays Bank reporting my XXXX XXXX account as past due for XXXX dollars. XXXX determined that Barclays incorrectly reported the past-due amount and changed the XX/XX/ XXXX payment status. This dispute was filed on XXXX/XXXX/XXXX ( The same month that Barclays stated that the amount is past due, how can XX/XX/XXXX payment be past due and it was reported past due in the same month ). Barclays is committing fraud and needs to be bared from this continued harassment because they disagree with their mistake.

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: Affirm Holdings, Inc
State: OR
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: Card was charged for something you did not purchase with the card

Complaint:
I received an email XX/XX/2022 from Affirm with a subject line that read, " Your loan for your XXXX purchase is approved! '' and this loan was for {$220.00}. Then I received another email the following day with a subject line that read, " Your loan for your XXXX purchase is approved! ", XX/XX/2022 and this loan was for {$370.00}. At this point I did not have an affirm account whatsoever and never requested a loan from them for any amount let alone 2 separate ones. 

On XX/XX/XXXX I received an email with the subject line, " You've enabled XXXX! '' then in the email, they said XXXX was enabled through a bank account that has been closed now for over 5 years. In trying to report this fraud and let them know I absolutely did not request a loan or make a purchase for any amount through them ; they told me I needed to create an account with Affirm to dispute this. I did this and then reported this unauthorized activity and they told me they would look into it. I then received a response stating that they believed I made the purchases and was responsible for the balances. I still have not received any goods or services from these fraudulent transactions and have no idea what these loan amounts were for. There is also no record of it being made by me whatsoever in my XXXX orders history. 

I am working on rebuilding my credit and am feeling very frustrated that these unauthorized purchases/ charges are in my name when I had no part in making them whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: Experian Information Solutions Inc.
State: NY
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:
As a consumer on multiple instances I have written several cerified letters to all 3 credit bureaus requesting that they update my personal information and delete all other information that's incorrect however they fail to do so, here is the letter I sent certified to all 3 credit bureaus. 

XX/XX/2018 To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

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

Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.

Sincerely, ************ I've Enc. Driver License, and Proof of Residence

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