BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 the 3rd attempt that I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX : {$15000.00}, XXXX XXXX XXXX XXXX : {$15000.00}, XXXX XXXX XX/XX/2021

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 2021-07-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I purchased a flight on XXXX XXXX XX/XX/XXXX for {$380.00} with my Chase XXXX card ending in XXXX. I cancelled the flight due to covid and received an airline voucher. Recently, XXXX XXXX said they were just going to refund all these flights to original form of payment. I called XXXX XXXX and said the card I purchased the flight with was cancelled already. They said typically if you still have an account open with the same bank it is ok. I called chase to clarify, they said 'of course, we do this all the time ' and 'the credit will be put on an open account '. I went ahead and requested the refund from XXXX XXXX on XX/XX/XXXX. 

Months later I call Chase to see what's going on with the refund. They said they have no record of my XXXX credit card and don't know what to do. I made several calls to Chase, all with different answers. 
Call 1 : They said I should see the refund soon Call 2 : They said the money was returned to XXXX XXXX, and I need to call them. I then called XXXX XXXX who said the money was sent to Chase and never sent back. 
Call 3 : They said the account is purged. In order to fill out a form to get the money, I need to provide the full credit card information. I don't have the credit card anymore and for some reason Chase doesn't have records of a card cancelled a handful of months ago. They said to fax in all my information to receive the card number. -- > I faxed all my information and received a letter back saying 'We can't locate the transaction information you requested. ' Call 4 : They said they call fill out the form but do require the card number - again, they can't see it in their system. Said to send another fax as there is nothing left to do. 

So at this point I have called Chase many times and it comes down to needing the card number - which I do not have, and for some reason they have no record of. The last call I had the person said there is nothing left to do ... 

Chase originally told me this 'would be no problem ' yet now I've spent countless hours on the phone with Chase and XXXX XXXX XXXX who always have the same story, the money was sent and never returned XXXX ... 
So I just need help on next steps. Chase has the money somewhere and I would like it returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Late in XXXX  53 bank bought my mortgage from XXXX XXXX. All escrow payments were made correctly that year. This year they re-evaluated my escrow and during this process removed my XXXX fees from the escrow calculations. When I notified 53 bank they stated I need to email them that there was nothing I can do over the phone. All I want them to do is re-evaluate my escrow using the payouts made last year. Include in that the XXXX, property taxes, flood insurance and home owners insurance. 4 payers so to speak. Just like last year so that Im not XXXX short in escrow. This will be my last attempt to rectify before I contact legal council. Hence failure to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX/XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXX Account Number : XXXX Update to paid as aggree 5. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 10. The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 11. The following personal information is incorrect Account Number : ALSO KNOWN AS : 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 2023-06-05
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Wells Fargo Closed my account because they said Ive submitted too many claims. If my account has been compromised by faults other than my own how are they closing my account and wont allow me to open another one? Every claim Ive submitted came back accurate so Im a little confused and I believe the bank is bias or 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 2018-10-17
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I got a loan back in 2012 that was for a total of {$66000.00} for XXXX ( XXXX XXXX XXXX ) in California to get my pilots license. It was broken down into 3 different loans. Once I finished my training I was told by Navient that I would be eligible for a rate reduction program to have lower payments. They asked for my financial statements yearly. My rate went from 3.3 % to 10 %. I have not missed a payment bec they required to be auto withdrawals. My payments are now very high and I still owe more than what my loan was originally for. What can I do to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
It started a few weeks ago when they shut off access to my app and their texts are blocked by XXXX so I called today to get them to fix the lack of access. I went through 3 representatives and the Supervisor XXXX refused to grant access to my accounts or funds with my verification of my social, mailing address, birthday, and phone number ( was calling from an electronically verified by system ). The app also traces my physical address which is my billing address when trying to access my accounts via the app and now online which is also being refused. I am unable to access my accounts or the thousands of dollars in them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, 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 following accounts have violated my rights. 

XXXX XXXX account # XXXX XXXX Bank account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # 1195**** 15 U.S.C 1681 Section 602 ( A ) States, I have the right to privacy.

15 U.S.C. Section 604 ( A ) States, A consumer reporting agency can not furnish an account without my written consent or instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Comerica
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX some odd dollars was taken from my account and they denied my dispute my veteran benefits were compromised and they didn't want to do a thing about it I've had 5 funerals since the incident so I have had time to report until now. I'm infuriated the I vestigayion results they said my statements were inconsistent I filed a police report before I even called them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a loan with them got behind and they did a loan modification when I sold the home in 2021 they took XXXX XXXX dollars from me I need help 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 explanation
Consumer complaint received 2022-02-16
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:
Please see the attachments because they contain my complaint in full with my requests along with my ID. I XXXX XXXX am also submitting this complaint on my own and I have not been influenced to do so by anyone or third party.

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 2020-12-17
Company: WELLS FARGO & COMPANY
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX HSTXXXX I received a voicemail stating the person was collecting a debt from XX/XX/XXXXand that after numerous attempts to reach me, unless I contact them immediately they would make a judgement against me. Because I am in the middle of a job process that includes a credit check, and I am refinancing I took it very seriously, not wanting to mess things up & immediately called them back. I left her a VM and she called me right back. I still have the VM which she left. 

After calling " XXXX '' back, she said I owed {$750.00} for a Wells Fargo credit card debt they have been trying to recover since XX/XX/XXXX ( AZ has a statute of limitations of 6 years where this supposedly originated ). They claimed to have " talked with the creditor '' while I was on hold. She came back and offered a settlement for 1/2 at {$400.00} -- which I paid via two credit cards -- XXXX  XXXX Visa, and XXXX XXXX XXXX  Visa Debit card @ {$200.00} each. When they sent me the confirmation email it came up listed as fraud in XXXX and not to click on the link. 

What really fooled me is that she had all of my addresses I've lived at, my last 4 digits of my SS #, my mothers name, address, and phone number, and my wifes name. 

I called my Attorney ( his para answered ) and she said I was scammed and chastised me for paying the fake debt. I have disputed the charges with XXXX & XXXX XXXX but they both said that I " agreed to the charge '' so would be near impossible to reverse. 

The phone number XXXX name under " XXXX ''. They now won't call me back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to dispute the accuracy of the information reported by XXXX XXXX on my credit report, specifically regarding the account with the account number XXXX. According to my records and my understanding of my financial obligations, there are significant inaccuracies in the way this account is being reported. 

XXXX XXXX has reported this account as a " charge-off, '' indicating that they have written off the debt as uncollectible. However, the account is still being reported with a balance, which is not in alignment with the definition of a charge-off. A charge-off typically implies that the debt has been deemed uncollectible and has been closed or settled. 

I am formally requesting that the reported account be immediately deleted from my credit report for the following reasons : Inaccuracy of Reporting : As per the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and complete information to credit reporting agencies. Reporting a charge-off account with an outstanding balance is misleading and does not accurately reflect the current status of the debt. 
Violation of FCRA : The reporting of this account with an outstanding balance may be in violation of the FCRA, which requires that information reported to credit bureaus is both accurate and complete. Inaccurate reporting can have a significant adverse impact on my creditworthiness.

Impact on Credit Score : The inaccurate reporting of this account negatively affects my credit score, making it difficult for me to secure credit, obtain favorable interest rates, or access various financial opportunities. 

I kindly request that you investigate this matter promptly and remove the inaccurately reported account from my credit report. Please provide written confirmation of the deletion to my address mentioned above. 

Additionally, I request that you notify XXXX XXXX of my dispute and request that they update their reporting to accurately reflect the status of the account as a charge-off with a XXXX balance. 

I appreciate your prompt attention to this matter and your assistance in resolving this dispute. Please find enclosed copies of relevant documents that support my claim.

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 2023-04-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$610.00} ; XXXX  XXXX XXXX Balance : {$33000.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX  XXXX Balance : {$8700.00} ; XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: GA
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 have sent over XXXX dispute notices to Experian notifying them of the inaccurate information they are providing on my consumer reporting and the damages it continues to cause. They choose to be willfully noncompliant. See the attached for more detail and their failure to properly investigate and my intent to file Arbitration.

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 2023-04-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation