BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have Chase XXXX XXXX XXXX credit card under my LLC ( XXXX XXXX ) ending # XXXX and I had problem with the payment via online in XXXX XXXX. My automatic payment was in place all through the year with minimum statement balance due to 0 % APR they were not charging me interest. However, when the 0 % APR ended in XXXX I was unable to change the automatic payment to use full statement balance instead of minimum payment. I had issues logging in and the wait time was XXXX when I called in twice. I was finally able to get a rep on XX/XX/XXXX and she corrected the log in issue with my account and told me I can pay the balance full so she then reverse those finance charges in XX/XX/2022 on the balance I was unable to pay any balance due to the technical issue. I paid full balance on XX/XX/2022, However again on XX/XX/XXXX they charged another finance charge. When I called on XX/XX/XXXX to request the reversal of those finance charges the rep was very rude and said he can't reverse them and when I requested to speak to the manager he said there is a very LONG wait time. This was very intentional and I told him I need to file a complaint and he immediately disconnected from me and it went to the main menu. I have no choice now and filing complaints through CFPB to let the regulators know the issue with XX/XX/2022 finance charge which is a cumulative of 2 months according to the rep and if no activity on the card they won't let the customer know if they're charging any finance charge. This is very unfair and each rep says different things and I was promised to get this refunded initially and now another rep denying my request after the full payment on the balance. I will be closing their account if they don't treat 10-15 year customer relationship fairly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-01
Company: EQUIFAX, INC.
State: FM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit was compromised by Equifax with their breach. I put a freeze on my credit report to avoid any further issues. I have been trying since XX/XX/XXXX to unfreeze my credit so my mortgage company can do a soft pull to close my mortgage. ****my furniture has been on a truck since XX/XX/XXXX and myself, children and pets are staying at a friends. 

First Equifax unfroze on-line request processed. Mortgage company pulled and it was still frozen. Called Equifax they said they couldn't find me in the computer and that I had to fax in identifying information. Faxed on XX/XX/XXXX - was told it took 48 hours to process fax. Called back on XX/XX/XXXX told documents couldn't be located. Called again on XX/XX/XXXX ... still can't find documents. Called XX/XX/XXXX and talked with supervisor he reviewed faxed documents and said my credit freeze was lifted. 

XX/XX/XXXX mortgage company tried soft pull - still frozen. 3 calls later was told freeze permanently removed. Mortgage company soft pull again - still frozen. After 1 hour 28 minutes and 2 supervisors ... .told 3 to 5 days ... TOTALLY UNACCEPTABLE. I proved my identity and credit should be unfrozen. Have faxed documents 7 times and called at least 4 times a day .... 

EQUIFAX breach is causing me issues after I have followed all of their instructions ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In pursuant to 15 USC 1681 a2 The credit reporting agencies have not been fair to me in their duties and have violated my consumer rights. I am stating I did not give any written consent/permission to have any information furnished on my consumer report 15 USC 1681b .

They have assumed this vital role and have infringed upon my right to privacy, In Pursuant to 15 USC 1681 ( 4 ). This has been a total invasion of privacy and damages have been done, resulting in severe harm and discrimination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16
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: Old information reappears or never goes away

Complaint:
Submitted request asking that duplicates and items that were over 7 years old be removed from TransUnion, XXXX and XXXX. Letters were submitted in XX/XX/. The duplicates remain on my credit report and it affects credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I tried multiple ( 4-5 times ) time to pay my credit card balance online at www.capitalone.com before due date, Due to their inability to get payment from XXXX XXXX, They charged me late fee plus interest and They cancelled my credit card account and reported to my credit history bureau XXXX I inquired at bank to get the answer of not clearing the credit card payment even there is more then sufficient balance in account. 
There was not satisfactory reply from bank staff ( XXXX XXXX  ) Credit card payment processed every time I signed for auto pay / one time payment successfully when I paid online then after 2 days I got the notification of non payment of balance. 

XX/XX/2022 PAST DUE FEE {$39.00} XX/XX/XXXX XX/XX/XXXX PAST DUE FEE {$39.00} Total Fees for This Period {$39.00} Spark Cash Select credit card | Capital One account ending in XXXX XXXX XXXX, XXXX  - XX/XX/2022 | 31 days in Billing Cycle Page 3 of 3 Transactions ( Continued ) Interest Charged Interest Charge on Purchases {$75.00} Interest Charge on Cash Advances {$0.00} Interest Charge on Other Balances {$0.00} Total Interest for This Period {$75.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-18
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX via XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, FL XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX via XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXXXXXX XXXX for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Best regards, Your Name cc : CFPB via fax ( 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 2021-11-04
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I wrote a personal letter certified to XXXX XXXX head Quarters about a bill for {$380.00} suggested by a direct tv supervisor in XXXX, my letter was delivered on the XXXX of XXXX, I called IC System to dispute the collection and I am getting know where. I made the last payment with Direct Tv and Returned there equipment, when I ask to do so to close the accoun, why I was getting billed they said it was there mistake and they would credit my account in good standings and now this matter has been hurting my credit report and it should be paid in full can you please help me so I can a letter to all 3 credit bureau to get this matter behind me. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX fl 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 2023-07-18
Company: TRUIST FINANCIAL CORPORATION
State: MN
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:
On XX/XX/2023, I received an email from Truist telling me there is a problem with my checking account. I have never heard of Truist and have no account with them. When I called the number provided, XXXX, to report there maybe a phishing scam, I needed to provide an account number or ssn in order to report fraud. I have no account THAT I KNOW OF and want to be certain no one opened an account in my name. I refuse to enter ssn to an entity I do not do business with, so they would not take the call. 
So this is twofold : has my identity been used to open a fraudulent account and are they aware of a potential phishing scam in their name? 
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 2022-06-17
Company: Experian Information Solutions Inc.
State: NC
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  in XXXX Maryland, 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 an account without my written instructions

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 2022-06-17
Company: Experian Information Solutions Inc.
State: MS
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, have all 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 All of these inquires were made without my consent and I have requested verification and haven't recieved any written validations that they are supposed to be on there.

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 2023-10-27
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX by me. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2023-05-24
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2023 two fraudulent checks in the amount of {$830.00} each were allegedly deposited into my account from written from XXXX building company. The funds were never in my account yet Wells Fargo debited my account for the amount putting my account negative {$1600.00}. I cant access any of my deposits and no one is fixing the problem. I received copies of the fraudulent checks in the mail.

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 2022-04-18
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX via XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, FL XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with WALLACE HYUNDAI via ODEWALLACE LINCOLN MERCU. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ODEWALLACE LINCOLN MERCU for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Best regards, Your Name cc : CFPB via fax ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a Student Checking Account with PNC bank in XXXX. One of the benefits touted by the bank representative at that time was that the Student account and account terms would remain in perpetuity for as long as the account was open regardless of student status, and that the benefits of the Student Account would be enjoyed for as long as the account was open. PNC Bank has tried repeatedly to change my account type with my consent, but there was never any benefit to me as a customer to do so. I received a letter from PNC XX/XX/XXXX stating that my Student Account would be changed to a Standard Checking account without my consent. For over 15 years I have had this account knowing PNC could not change my account without my consent. Now the bank is attempting to pull the wool over my eyes and assert it is within their right to do so. They claim that my account allows for this, which it does not. They have agreed to send me a copy of the account terms however have not assured me that this matched my original account terms. I fear and suspect the terms have been altered without my consent as well to suit PNC 's goals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

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 15 U.S.SC 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 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 2022-04-18
Company: Maury Cobb, Attorney at Law, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX sent me bill at {$780.00}. But Im not sure that it is my debt because Im always pay in time. Im always have prepaid plan. All representatives tell different reason, some of them told me that this is mistake and its not my bill, some of them told it is for my cancelled equipment ... BUT I never did it ( never cancell my equipment. ) I continue using it since first day I bought it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation