BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: FL
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:
I am writing this letter in regards to the XXXX inquiries on my credit report. These inquiries are all XXXX and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a XXXX report as requested. 
Credit Inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25
Company: Consumer Portfolio Services, Inc.
State: FL
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:
I have reached out to all of these company 's and they will not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: ALLY FINANCIAL INC.
State: FL
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:
I have reached out to all of these company 's and they will not help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Bread Financial Holdings, Inc.
State: FL
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:
SONY card was offered with following offer : Earn a {$100.00} statement credit when you open an account and use the Sony Card within 60 days. Then, earn a {$50.00} credit when you spend {$500.00} within 60 days of account opening. 

Terms were met, {$50.00} bonus never credited. I called a phone rep said, yes, you met the terms, I will credit the {$50.00} to your account, This was never done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

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 2019-08-26
Company: BB&T CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I helped my son, XXXX XXXX open a checking account on XX/XX/XXXX, and I funded his account with direct deposit coming out directly from my company, XXXX. Everything was working fine until on XX/XX/XXXX when their fraud department called him and tried to verify his account. They tried to get him to confirm his ssn, and since it was an incoming call, of course he wouldn't provide any personal information. The person on the phone threatened to freeze his account if he won't answer those personal questions but he had no choice. He insisted that he would call back which he did. The account at that time was blocked. He was informed to go inside the bank to confirm his identity. Both he and I went into the branch and provided all the requested info the following day. At the time, the banker, XXXX XXXX said that my son still had to call on Monday to unblock the internet access since that area are only opened weekdays. My son tried to call on Monday, XX/XX/XXXX but was again given the run around that he has to go back into the bank to add my name. He was told that in order to access his funds, he needs my name added to the account which makes no sense. I am in XXXX, and my son is in XXXX. I helped him open the account so he can manage his own money since he just got a new job His job requires him to work M-F from XXXX so he wouldn't be able to go into the branch again ( why does he need to anyway, he already went and the banker confirmed who he is and who I am??? ). I don't understand why my name has to be added to his account which wouldn't be a problem if 1 ) my son didn't just start his new job, and he can't just leave to go into the branch a second time and 2 ) they are now asking that both he and I go into the branch but I'm don't live in the same city anymore. I think this bank knows our difficulty and wants to hold on to our funds while putting obstacles for us. Others should be aware of their unscrupulous practice.

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 2023-04-14
Company: EQUIFAX, 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:
This is XXXX XXXX and I am submitting a complaint to you today to inform you I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.idtheft.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX : {$470.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: IL
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:
I disputed in XXXX unauthorized inquiries and multiple accounts that are not mine and several others that I was never late on and accounts that say charge off which is inaccurate as well. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Amex refused to honor their promotional spending offer for my card ending in XXXX. 
I enrolled my card ending in XXXX with the following Amex offer : " Enroll in this offer to earn a {$20.00} statement credit each month you spend {$20.00} or more on eligible U.S. restaurant purchases with your Card. Whether it's dine-in, takeout or delivery, you can redeem this offer each month through XX/XX/XXXX. This is in addition to the Points you already earn with your Card. '' I had two qualified transactions in XX/XX/XXXX, XXXX was {$18.00} charged on XX/XX/XXXX, and the other one was {$4.00} charged on XX/XX/XXXX. However, the second transaction 's post date ( the date that the charge is posted to the account ) was XXXX. Even though the transaction date ( when the charge was made ) was XX/XX/XXXX, Amex refused to issue {$20.00} promotional credits for XXXX, because Amex used 'post date ' to determine the credits eligibility, which is unfair. 

Amex did not disclose that they use 'post date ' rather than 'transaction date ' to determine the credits eligibility in the XXXX XXXX XXXX , which is unfair to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: KEYCORP
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had unauthorized charges on my account both my joint acct with my husband and my personal account. Provisional credits were issued, and then they were taken back by the bank, with no notification all my funds were taken plus now the accounts are negative XXXX $ and the other XXXX XXXX $ and I'm being charged overdraft fees over and over again. I've tried talking to them about this firstly why the credits were reversed and was transferred around to 3 people waited on hold forever and then just told something about an ip address matching mine so they reversed it. My phone was stolen and being used via XXXX XXXX and XXXX XXXX  i believe. And then it turned up at my home. Someone close to me had it and used my account and then left it. Still do not know who it was and it possibly could have been my neice that lives with us and she is XXXX. So I'm not filing any police report yet until i figure out if it was her or my son. The charges were not authorized however and so i don't understand how they can do this. It's causing major hardship for my family and I.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-31
Company: Experian Information Solutions Inc.
State: CA
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:
There is 1 account on my credit report that is really hurting me which is not my account I have not opened this account I want this account gone since it is not mine I have sent the bureaus multiple letters but they are not doing anything about it. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account!!!! 

There is also a Bankrutpcy that is not mine and is on my XXXX  report I need this removed as well

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 2021-03-31
Company: Experian Information Solutions Inc.
State: CA
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 have tried to resolve with the XXXX XXXX  XXXX. I have tried to contact and sent email to them multiple times, they have not responded or put any effort to help with resolve the issue. They are reporting that i was late on my payments however that was never the case.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$350.00} {$350.00} {$150.00} XXXX XXXX : {$150.00} {$150.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX DISPUTE NOTES 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 DATE

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 2021-10-25
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a pre-paid visa gift card for my graduation in XXXX. I received 10 different gift cards from different friends without the receipt of purchase attached to the card. this one I'm having problems with said this gift card is between $ XXXX so I'm not sure how much was in here. I tried using the card at multiple different places in store however it continuously was declined. my last declined transactions was at ride aid for {$71.00} and home goods for {$32.00} and after that I contacted visa. I contacted them on XX/XX/XXXX and I have not received worst customer service than this. I spoke to a customer service rep who told me I needed the original receipt and needed to contact my friend who got me the card to verify the gift card and was hung up on ( even though I was able to verify the declined transactions, they still told me they are unable to verify the Acct ). the second time I called and spoke to another representative, I was still able to verify the tractions and she still asked me to fax her the original purchase receipt ( the lack of communication here was very frustrating because I stated multiple times that I don't have a receipt as I did not make the purchase ). I asked to speak to the supervisor since this representative was not listening to me at all. she said because my account is not verified I AM UNABLE TO SPEAK TO THE SUPERVISOR. what kind of a customer service is this. This is the reason why I am so hesitant to get a VISA gift card for friends. because they make your life a living XXXX to give you what is yours. I'm writing this complaint to get a chance to speak to someone from visa who would actually listen and verify my information. I'm a medical professional and I don't write complaints unless it's very necessary.

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 2021-06-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Went to a car dealership they ran my credit to many companies, after I told them I only have on loan place I work with, which is XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ive contacted Wakefield and Associates 3 times about the {$1000.00} debit added to my account. I told the supervisor several times that I have medical insurance and thats who they were supposed to charge. I even reached out to XXXX XXXX twice and explained the same thing to them. This collection was never supposed to be on my credit report when I have proof that I had medical insurance around the time I went to the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: JPMORGAN CHASE & CO.
State: KY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I am reaching out in desperation about my incredibly bad experience with Chase Auto Finance. 

I purchased a vehicle off of lease. That's where the problems began. 

I was in the process of moving, so I told them to send the paperwork and registration application to my new XXXX address... 

Chase made an error and sent the paperwork to XXXX with a XXXX form filled out. That was not useful for XXXX registration purposes at all. 

A local XXXX Chase Bank branch manager tried to help. She made phone calls and gave me an overnight XXXX envelope to send to Auto Finance with instructions for them about how to do this properly, along with a prepaid return envelope to send it back to me, trying to make this simple for Auto Finance... this happened on XX/XX/XXXX. 

There's no evidence that Auto Finance actually received that package mailed to the address that the branch manager got after making some phone calls to Auto Finance. 

My out of state plates expire XX/XX/XXXX and I'm gone on vacation XX/XX/XXXX to XXXX, so I need to resolve this by XX/XX/XXXX so I can get my vehicle registered properly. 

Through many phone calls, I'm given an estimated completion date of XX/XX/XXXX. No, that's not good enough. 

This is " expedited '' multiple times and put on " rush. '' The estimate then becomes XX/XX/XXXX. They don't understand what " expedite '' means. 

They finally XXXX me something that arrives today ( instead of using the XXXX label/envelope that they never found ). 

That envelope is simply a Bill of Sale. No XXXX form. 17 days later, I am NO better off than I was on XX/XX/XXXX. 

I called to complain and am told now " we don't fill out state registration forms ''. 

Except Chase DID do exactly that previously... but for the WRONG state. They are unable or unwilling to do this properly in a timely manner. 

Without Chase filling out this affidavit of purchase on the XXXX form, I will have to pay {$1000.00} in additional XXXX  vehicle tax because the actual purchase amount is greater than " XXXX XXXX value. '' The difference between the actual price and the value is about {$16000.00}, so, again that additional ( and unnecessary tax ) is about {$1000.00}. 

if we can not get this resolved, I'm going to pursue legal action against Chase even though it's only {$1000.00} in extra tax. I will continue to file complaints with government authorities at whatever levels I can find. 

Please help me resolve this. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Trident Asset Management, L.L.C.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Trident Asset Management is saying I owe XXXX since XX/XX/2015. They refuse to acknowledge the fraudulent account and speaking to them gets no where. I am at my wits end and about to hire a attorney to send them a letter proving its not my account as its off 2 credit agencies already.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Experian Information Solutions Inc.
State: KS
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:
Experian failed to provide me with the supporting documentation from their investigation.

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 2023-04-14
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XX/XX/2023 Hello XXXX, XXXX, and Equifax, I disputed XXXX XXXX, XXXX XXXX on XX/XX/2023 and everything came back verified. 

How is that possible when the date opened is incorrect for both accounts, and the account status is also incorrect on both accounts they are supposed to be closed. 

Can you send me the description of the investigation according to 15 USC 1681i ( 7 ) no later than 15 days. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Netspend Corporation
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I received a prepaid XXXX XXXX without requesting it. I called and cancelled the card.

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