BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am a customer with chase bank and I am now a victim of wire fraud. I am getting married in 12 days and I have been saving for months! I received a text from what I thought was my bank asking if I authorized a wire transfer. I sent a text back saying no. I then received a call from a person stating they were from chasse bank and I was on a recorded line. I verified that the number he was calling from was the same number that was on my debit card. After he provided ALL of my personal information from my account numbers, my birthdate, my social security number, address, and the balance in each of my accounts, he stated that I needed to complete a wire transfer reversal to get my money back. He said that the money should be back in my account in 12 to 24 hours. After I checked my accounts on saturday XX/XX/ there was still no money. I called chase and I was getting the run around and after I finally spoke to a supervisor, they stated that I might not get my money back and that I fell for a phishing scam. In last 24 hours I have done alot of research and I have found multiple families that have been victims of wire fraud with chase bank and the only way these families received their money back was because of news media coverage. I am desperate at this point because they wiped out all 3 of my bank accounts. The money that was taken included my fiance and I 's 2 week paycheck on friday along with a saving account the total was a little over {$11000.00}. I spoke with Chase last week and they said that they are not going to return the money to our accounts because it was not considered fraud. They are not protecting their clients and everytime I spoke with them, they were rude and there was no costumer service. The phone number that called me was the same number that was on the back of the chase card and the suspect had all my information including my account numbers and my balances in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the company IC System , Inc., XXXX XXXX XXXX XXXX  XXXX, MN XXXX on multiple occasions to verify the ownership of my debt & they do not provide the verification, instead they continue to report to the Credit Bureaus that the account is in collections. I dont have an account with XXXX  XXXX  and I want the account verified and removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I used my debit card on a website roughly XX/XX/XXXX. It was a scam and on the XXXX or so they started charging my debit card for over {$4000.00} on things like XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX reoccurring payments, etc over XXXX charges in a matter of hours. I called and had the card cancelled immediately. The phone attendant cancelled the card but failed to close the case. I spent XXXX hours in-person at a local bank location and they basically just called the same number I could call from my cell phone. Bank of America did stop many of the purchases before they could process, but there is still significant amount of charges that the bank has been investigating for two weeks. I received a email message yesterday that the bank reached a conclusion. The outcome of the investigation was that they would not pay for the more than {$3000.00} in remaining charges that were fraudulent. I called and spent over an hour today asking them to please reopen the investigation and to call me if there are any issues or questions. They were supposed to call me tonight to report on the outcome but did not. I have zero faith they are going to err in my favor given the terrible customer service Ive received thus far.

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 2021-09-13
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:
Lets just say for many years but let 's just talk about 2021. So Since XXXX of 2021 every single month untill which is XXXX I have disputed/pleaded and requested for XXXX /Equifax and XXXX to do their job. I have requested all 3 every single month to do a independent investigation on Certain things which inaccurate and falsely reporting on my credit files.Instead of following the FCRA Guidelines and doing a independent investigation on my behalf they have refused and keep defaming me and families by name falsely reporting these inaccurate and fraudulent activity which is in accurate or doesn't belong to me.. 

This includes Late payments when I was never late /inaccuracy in their own payment reporting history like XX/XX/XXXX30 late/XXXX  30 late/XXXX OK XXXX 60 late and XX/XX/XXXX30 late again Also reporting the same account twice same furnisher same dates same amount due literally the definition of double jeopardy. 

To Reporting collections like a apartment in a city I have never lived or will live To not reporting a statement of this account is being disputed To even reporting on a Account I closed months ago and was reporting as closed to currently 60 or 90 days late with a balance but still closed that because of their false reporting just dropped my score from a XXXX to a XXXX And alot more I can tell you once this taken care of to start And because of these inaccuracies and lies have caused me to lose numerous loans for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: CA
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX and XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance Owed : {$69.00} ; XXXX XXXX XXXX Balance Owed : {$250.00} ; XXXX XXXX Balance Owed XXXX {$330.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: U.S. BANCORP
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
The XXXX XXXX XXXX location forced me to go with a higher interest rate despite me securing a loan through the bank of my choice at the time purchase on XX/XX/21. I had initially authorized them to look for other interest rates but nothing was better than the one offered by my bank and I expressed my intention to use my bank. 

When I returned the day after to give the title for my trade in, I even confirmed with them that I would be bringing the check from my personal bank upon receipt. 

When I got the check, I attempted to bring it to the office at the same time that I picked up my green slip and the person present refused to take it. They repeatedly evaded me paying them with the check from my preferred bank and said nothing of the other loan. They simply claimed that finance wasnt available or that I would be contacted to finish payment. I did find out until I got the bill for the loan that they secured in the mail today. 

I contacted bank that they used ( US BANK ) and they informed us that the loan ( which has an interest rate FIVE TIMES higher than the loan from my bank ) could be canceled BY THE DEALERSHIP. They will not allow us to cancel it and the dealership refuses our payment because the loan is intact. 

The dealership refuses to take the steps to properly handle this debacle that theyve created and I will be forced to refinance with my bank and to eat the interest charges for the month that I wasnt even aware of this loanss existence.

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 2022-07-19
Company: EQUIFAX, INC.
State: VA
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, XXXX XXXX  # XXXX, XXXX XXXX  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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: MARINER FINANCE, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
The company has sued me but I dont have any paperwork and there is no collections. I am getting calls from attorneys telling me that they did this. 

I called the company and told them there was identity fraud in a business account. 

They did not want to work with me. 

They have left no messages on my voice mail and this isnt in collections. 

They are using unfair practices to collect debt. 

The last letter I have from them is in XXXX and its from Mariner. 
I called and the branch manager refused to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: EQUIFAX, INC.
State: AL
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:
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 Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX. 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 item 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 2019-06-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a lease with Toyota that I turned back into Toyota for a  purchase. 13 payments of XXXX were put into my finance purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I received a text message from an unknown number notifying me of a fraud alert on my Wells Fargo account. I called Wells Fargo to speak to a representative and as I was on the line the same Wells Fargo number called me and the person on the line said they were a Wells Fargo representative from their fraud department. They told me that someone by the name of XXXX XXXX scheduled a transfer of {$500.00} from my XXXX account to their XXXX XXXX XXXXXXXX account and to reverse the scheduled transaction I had to create a new transaction by enrolling them into my XXXX account under my last name then again under the name " Fraud '' and sending the scheduled amount of money to reverse the transaction.

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 2021-07-01
Company: EQUIFAX, INC.
State: CA
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 have several student loans open with Dept. of Ed/XXXX  I am currently in school still. I've made several attempts to dispute inaccurate information on my credit report with the company itself and credit bureaus. They are reporting different information to each of the three bureaus, so nothing matches across the three bureaus. They are reporting late payments that don't even make sense. The account goes from good standing to all of a sudden 90 days past due within a 30 day period in XXXX of XXXX and as well as in XXXX of XXXX. They state they were trying to contact me to make payments but the phone number they had on file for me was a phone number from Texas and I have never lived in Texas or have been associated with anyone in Texas. I have proof of my credit reports they are reporting inaccurate information across all three bureaus and none of the information matches, however, every time I dispute the information it comes back verified. I'm unsure how the information could come back as verified when none of the information matches or equals up correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: OneMain Finance Corporation
State: NY
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 OneMain financial Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Transunion advertises FREE credit report. I went onto their website thinking I was getting a free credit report and they charged my credit card twice, once for the credit card and the other for credit reporting. This was very deceptive. I'm an educated man and they still got me to give them my credit card number thinking it was necessary for the FREE credit report. 

I contacted them with 24 hours of the error and they did not offer to refund my payment, but offered to cancel further charges to my credit card. 

What a good business model, pulling in potentially millions of consumers with the promise of a FREE credit report and then get them all for around {$50.00} before the consumer realizes what happened.

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just got a alert that I have a collection on my credit report. I dont owe anyone for the account that I noted, I have asked to remove but the company think I am playing. The company is XXXX in the amount of XXXX XXXX I dont owe any balances to this company. it must be someone else. Please remove.

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 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have several student loans open with Dept. of Ed/XXXX. I am currently in school still. I've made several attempts to dispute inaccurate information on my credit report with the company itself and credit bureaus. They are reporting different information to each of the three bureaus, so nothing matches across the three bureaus. They are reporting late payments that don't even make sense. The account goes from good standing to all of a sudden 90 days past due within a 30 day period in XXXX of XXXX and as well as in XXXX of XXXX. They state they were trying to contact me to make payments but the phone number they had on file for me was a phone number from Texas and I have never lived in Texas or have been associated with anyone in Texas. I have proof of my credit reports they are reporting inaccurate information across all three bureaus and none of the information matches, however, every time I dispute the information it comes back verified. I'm unsure how the information could come back as verified when none of the information matches or equals up correctly.

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