BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: MD
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:
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
WELLS FARGO- I was charged {$70.00} in overdraft fees today XX/XX/2021 and yesterday XX/XX/2021 because of recurring payments which in fact are not recurring payments because they are charged to my account at my discretion ( XXXX  XXXX ). These payments were submitted days before they showed up in my account as pending so I was transferring money from my checking to savings not knowing there were pending transactions. So also instead of just taking the money from my savings if my checking says {$0.00} they take money from my checking without my permission for what is NOT recurring payment and charge me {$35.00} each time. I am fed up and want to close my account Im sick of the scamming they do.

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 monetary relief
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Formerly, I made an investigation regarding these accounts with inaccurate information and after checking your responses I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$390000.00} XXXX XXXX XXXX Balance : {$13000.00}

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 2020-09-29
Company: BARCLAYS BANK DELAWARE
State: PA
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:
This complaint is about Barclays Bank Delaware. On XX/XX/XXXX I made a purchase in the amount of {$2200.00} to my Barclays Aviator card ending in XXXX. On or around XX/XX/XXXX Barclays notified me that that card had been compromised and that they would need to send me a new card. Shortly after I received a new card ending in XXXX. I have had the exact same phone number, mailing address, account log-in for both cards the entire time. On XX/XX/XXXX the merchant for the transaction referenced above sent a refund. As of XX/XX/XXXX I had not seen the refund reflected in my account, I never received an email, phone call, or postal mail informing me that Barclays had this refund due to me. As I mentioned, none of my contact information changed and Barclays had the ability to refund me these funds due or at the very least contact me in some way. This was 18 calendar days ( and 11 business days ) after the refund was sent. I called Barclays Customer service on XX/XX/XXXX to inquire about the status. The customer service representative immediately saw the transaction I was calling about, confirming what is clear : Barclays had this refund, knew about it, and knew how to reach me. The customer service representative offered to resolve the issue. On XX/XX/XXXX, 6 business days after my call, I still had not received the refund or any notification from Barclays. Therefore, I submitted a message in my account " Contact us ''. I have continued to follow-up with them with no resolution. They also keep changing the timeline for when this will be resolved. I am attaching the initial and all follow-up conversations to this message. As of today, it is over 30 days since that refund was sent and I have not received it and I have not received information telling me when I will receive it. I was told on XX/XX/XXXX that a manager would call me in " 24-48 hours '' and they never called. I followed-up again on XX/XX/XXXX and then I was told " it can take up to 72 business hours '' for a manager to call. The bottom line is, they are not sending me the {$2200.00} they owe me, and they keep changing timeline for when a manager is going to reach out to me to resolve. I don't need or want a call from Barclays at this point ... I want the money they owe me. A multi billion dollar bank should not be allowed to hold individual 's money this long for something that is an ALL ELECTRONIC transaction when they KNOW how to get in contact with 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 monetary relief
Consumer complaint received 2021-11-09
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: Investigation took more than 30 days

Complaint:
I try to fix the problem last time i send the letter to cfpb and you are still reporting this negative items

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions 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:
I checked my credit report and found that some of the data wereincorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, 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:
I checked my credit report and found that some of the data wereincorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: NC
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2018-05-14
Company: AFNI INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Approximately 8 years ago I signed up for XXXX services at an indirect store which I later found out is not a corporate store. I had XXXX until last year when all of a sudden I found out that all these years this account was under someone else social security number and that they have added phones to my account. I contacted XXXX right away and they told me that they would get back to by email several times and that never happened. Then I see I received my first debt collector which was very rude and did not know what was going on with my account. I tried to explain to them that they are going after the wrong person and that my social security number is not matching with the one you have. They filled the claim to collections and I saw that in my XXXX report. I reported immediately and they were able to remove the claim to collections verifying that it was the incorrect social security number. For 8 years I been using this account to build my credit and got nothing out of it but this fraud case. So after that first debt collector I contacted the XXXX XXXX XXXX complaint # XXXX and a member of the XXXX Customer Service team got in contact with me. They apologized for what happened and then asked me for my social security number to look into what happened and credit me for the mistake. Instead I found out that they used it to file another claim now with AFNI to come after me for this debt of {$2100.00}. There was also another debt collector before them and I asked for the original copy of the contract to show that this is not my account legally. AFNI collections has called me once and said that they will send me a packet with a copy of the original form instead on XX/XX/2018 I received another bill from the collection company. I would really like help in solving this matter, I spent countless time with many phone calls and nothing seems to work. Please be aware that XXXX has many cases like mine and has not done anything to protect its customers information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
Ive disputes these accounts hightlighing the inaccurate and incomplete information reporting, and these companpines is contining to violate my rights. 
please help me solve these issues. 

thanks

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 2022-08-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
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: Problem getting your free annual credit report

Complaint:
Chexsystems is harbouring incorrect information about a XXXX account and balance that was paid and should be removed. Additionally I can not retrieve my report from their website. This is hindering me tremendously from being able to receive loans from banks.

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 2021-11-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Email : XXXX Reasons : I would like all of my derogatory remarks removed immediately. Many of these accounts fall under the statue of limitations or are misreporting on my credit report. 
Please apply these laws to my account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' ) Account Name : XXXX XXXX  Account number:XXXX Date Filed : XXXX, XXXX Type of Account : Collection XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Reason XXXX THIS IS INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX  : XXXX. # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to. privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
My mother signed XXXX personal checks totaling about {$20000.00} to my aunt XXXX XXXX XXXX. XXXX opened a Chase savings account and deposited those checks. My mother 's XXXX bank verified the checks and Chase withdrew the money from my mother 's account on XXXX/XXXX/2016. Chase deposited the money into XXXX savings account on XXXX/XXXX/2016. Immediately after the deposit, Chase withdrew the full amount back and locked my XXXX account. Chase did not return the money back to my mother 's account and refused to give the money to XXXX. My mother passed away on XXXX/XXXX/2016. I was her Power of Attorney relating to her physical and mental health at the time when the checks were signed ( XXXX/XXXX/2016 ). I am also on my mother 's will and a beneficiary of her bank account. I even witnessed those checks being signed. My older aunt, XXXX XXXX, was/is my mother 's Power of Attorney of Property and Personal Affairs. Thuy also came into a Chase Branch to verify those checks.The documents containing the will, death certificate, power of attorney, and the beneficiary information of my mother 's bank account has been presented and/or scanned by a Chase banker. Chase told me that someone must petition for executor of my mother 's estate in order to get the money to XXXX. Petitioning for executor of estate is a very long, expensive, and time consuming process. I do not have time and the money to do this, and we need that money immediately. Chase still has not returned the money to my mother 's account or given the money to XXXX. Today is XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Halsted Financial Services, LLC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
It's a derogatory reporting to my credit report from XXXX XXXX ; which is causing me hardship.They have sold my credit information to various credit collecting agencies.These agencies have violated me in so many ways. They are sending me letters, texting my phone, and emailing me ; which is a violation of my privacy. I had zero knowledge of this company selling my information. We as consumers are violated every day with these company 's fraudulent practices. These debts are already paid through our Cesti que trust. The violation becomes over kill, and is a Tort issue, by reporting derogatory information. This is considered deformation. These corporations want to overly profit adding interest, putting our information on the stock market, and selling our information to other agencies. According to HJR 192 these debts are not ours, because they are already paid. 

I can send in any documentation as requested. This include emails, text, letters, a call list. 

" The Federal Government took our lawful money out of circulation in 1933 but Congress had to provide the people a remedy. Public Law : " Chap. 48, 48 Stat. 112 '' under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: SYNCHRONY FINANCIAL
State: TX
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:
I took out credit in 2016. My dog was at emergency XXXX. I have been paying faithfully and then some. I noticed my bill jumped up almost {$500.00}. I have not used the card in months. When I called the company Care Credit, I was told by a lady that is the interest charged for the 18 months. I only still owed {$500.00} out of {$3000.00} ... ..come on {$500.00} interest ... ARE YOU KIDDING ME???? So I closed the account, will pay off remainder of debt. I have never heard of this scam before. I hope you can help me. This is robbery in the finest form.

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 monetary relief
Consumer complaint received 2023-05-03
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a vehicle from XXXX XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX, PA XXXX on XXXX XXXX. I received a loan from CREDIT ACCEPTANCE. Upon my findings they have violated my rights with THE CONSUMER LAW 15 us code 1605 and also 15 usc 1681 a ( 2 ) ( a ) ( i ) which states late payments are illegal. I was not explained in detail all of the extra fees and down payments are illegal which Ive paid. Also I was giving a very hard time getting my car fixed after day XXXX of purchasing the vehicle. They were rude and did not answer any further calls of concern from me. Can you please further investigate this matter. 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 2020-09-29
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My lease with Hyundai Motor Finance was returned on time on XX/XX/2020 and a confirmation including an apology letter was mailed to me by XXXX. However on XX/XX/2020 HMFUSA reported a 30 and a 60 day late payment resulting in a serious decline of about 100 points on my score. After calling them they confirmed that it was a mistake on their end and advised me that someone should fix this within 7 days. I also opened a dispute with XXXX  on XX/XX/2020. Until today XXXX  has not been updated from HMFUSA.

I started a refinance for my home on XX/XX/2020 and it turns out that I am unable to get the lowest APR due to a low score of XXXX as this time. However as confirmed by multiple loan officers that if my score was more than XXXX I would qualify for the top tier and would save more than {$10000.00} on closing cost plus about 0.7 % lower APR than offered. My score on XXXX  is XXXX as of today because there is no delinquency reported on it, but unfortunately Mortgage companies look at middle number which is XXXX as of today which does not qualify me for top tier. 

I have lost my sleep, my appetite over this. I have called XXXX 4 times so far, crying in front of them but they don't seem to care. 

Please help 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 2018-06-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter via Certified Mail on XX/XX/18 to Portfolio Recovery regarding an unknown account listed in the collection section of my credit report. By law, I should have received correspondence within 30 days from the company. It has been over 90 days, and I have yet to receive any correspondence regarding the account. Therefore, I am requesting that this collection account be removed permanently from my reports. I am very unhappy with the lack of customer service shown by this company, especially since this account is negatively affecting my credit score.

Company response to consumer: Closed with explanation