BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX has just destroyed every credit report ( XXXX equifax, XXXX ) with inaccurate information and predatory lending practices. They report payments being made that are not happening, then they will turn around and report payments not being made after the case with the vehicle in question has been resolved in court. Just last week I saw payments being reported made & I have not made any payments for a few years now. I looked through the contract for the vehicle and noticed that there was a job listed for my consigner that she never had with income in order to secure the loan. There were alot of other inaccuracies that they used to put us in a vehicle that was overpriced & we could not afford, ran through the contract quickly when we were signing so we would not notice. We made payments for years and not one payment is listed on any credit report. They keep reporting payments & erasing them causing havoc on my credit scores. I have complained & disputed this many times with all 3 credit bureaus and it still is on my credit report causing major damage to my score for years. They have also been sued in court by consumers for predatory lending just a few months ago. XXXX XXXX is terrible and they should not be allowed to damage peoples lives like this. This account needs to be removed from my credit report & my cosigner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Around XX/XX/2021, our apartment complex 's mailboxes were broken into. My rent check for my landlady ( worth {$2000.00} ) was in the mailbox. One week later, I discovered that the check was not received by my landlady, but her signature was forged on the back of the check, and the thief cashed in to another bank account in the Chase Bank system via mobile app. 

I visited the XXXX XXXX Chase branch in XXXX on XX/XX/2021 over this case of identity theft for a transaction via online bill payment check worth {$2000.00}. The recipient of this online bill payment, my landlord, never received my check, and after closer inspection, whoever had cashed in that check forged the signature in my recipient 's stead. I was told to wait three business days, and Chase would call me back by then. However, I received no further correspondence after that. I then visited the Chase Bank branch in XXXX XXXX, CA in XX/XX/2021, where I was told to wait 30-60 business days for a response. I received no such correspondence. I also filed a report with the local police, per Chase 's instructions. 

I re-contacted Chase on XX/XX/2021, and was referred to the Customer Claims team. I was once again told to wait up to the full 60 days. I waited until XX/XX/2021, which over 60 days since I filed the complaint for the stolen and forged check. I was once again referred to the Customer Claims team, who hung up on me. On XX/XX/2021, I contacted Chase Customer Service one last time and was told to wait 1-2 business days for a response. I have received no response at this time. My rent has been due for over three months, and the reimbursement of the stolen {$2000.00} check is still yet to be seen. 

I have attached a scanned receipt of the stolen check. The signature on the back of the check is a forgery.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-09
Company: Klarna AB
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My SIM card was hacked XXXX2023. Because XXXX allowed it to happen now Im a victim of fraud. They hacked in to my phone apps and charged {$10000.00} or maybe more. They hacked in to my apps XXXX account, Klarna account, XXXX XXXX  accountXXXX XXXX  accountXXXX XXXX XXXX account, XXXX XXXX account and credit card, XXXX  credit card. Its still going on because my phone is not working correctly it keeps saying I have no internet connection, my calls keep dropping. I dont even feel safe to even use or talk on the phone. I was also using my phone as a hot spot to use my other phone and by me doing that they hacked in to that phone as well. This is a very urgent matter, this is stressing me out affecting my health and Im already XXXX with XXXX XXXX XXXX. I have made a police report and it should be ready to pick up within 24-48 hours. Please give me a call asap. I will be taken further action with maybe a lawyer because my information was leak since XXXX2023 while I was at work my phone just stopped working. I lost money because I had to leave work and Im losing money because of the hack. Im losing sleep and feeling very sick. Im stressed out. My balance needs to be resolved and turn back to {$0.00} I did not make almost {$3000.00} in purchases on Klarna using my XXXX  credit card. I did not make almost {$100.00} on After pay using my XXXX  credit card, this card has been canceled and they are mailing me a new one due to fraud. This is going to effect me from buying a home if this isnt resolved this isnt my fault at all. You need to track and see who did this and dont allow them to receive what they purchased using my credit card through Klarna and XXXX XXXX This needs to be taken serious and when I call in to speak to your agents or email they are extremely rude and give me a hard time like Im lying. This needs to be investigated and find out who did this please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: TD BANK US HOLDING COMPANY
State: PA
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:
Someone impersonating TD bank guided me through a process that resulted in me having {$1000.00} deducted from my checking account. I immediately contacted TD bank while the transaction was listed as pending and they said they couldn't do anything about it until after it posted. Once it posted, they then told me that I could dispute the transaction. They then denied the dispute. 
If they were going to deny the dispute, why didn't they just tell me this in the first place instead of making me waste an extensive amount of time and energy beyond the {$1000.00} they already gave away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Experian Information Solutions Inc.
State: NV
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:
I had credit monitoring through XXXX for all 3 major agencies. I was getting lots of emails about the XXXX product being transferred to Experian. None of them ever mentioned an increase in price. I noticed this morning ( XX/XX/XXXX ) that Experian had debited my credit card for {$24.00} on XX/XX/XXXX so I called XXXX. They didn't know what it was so I called Experian. They said that it was payment for credit monitoring. I explained that I had it already through XXXX, and that I had paid for this month already : {$12.00} on XXXX. They said they would cancel my account and that I would have to file a dispute with XXXX for the return of the {$24.00}. ( I assumed that they meant the account they were charging me for, with Experian, that knew nothing about. ) I filed the dispute with XXXX but afterward noticed 2 emails from Experian. The first said that my XXXX credit monitoring service couldn't be transferred to Experian because I had two accounts. It stated further that it was closing the account with XXXX. The second email said that my credit report had been unlocked. I tried all day to contact them but couldn't get through the robo answering device. I tried to go to their website to lock my credit file again but was told that they couldn't do it and that I would have to write to them. I am at my wits end with this company. I feel like they are attempting to extort me because I didn't pay an additional {$24.00} for a service that I had already paid for at {$12.00}. Since they have already unlocked my credit without my permission, I suppose that I won't be able to lock it again, unless I pay them. 

I have also lost my XXXX monitoring service in this process and I can reach no one at Experian to help me straighten this out. 

I am attaching some emails from Experian and also a copy of my credit card statement with XXXX. The first and the last entry on this screenshot are the debits to my credit card at XXXX and made by Experian. XX/XX/XXXX is the top entry and XXXX the bottom.

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 2022-11-22
Company: Experian Information Solutions 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:
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 LETTERS FOR REFERENCE

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 2023-10-27
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXXXXXX  I received a letter informing me my Discover Card which I had since XXXX has been closed. I have never been late or had any issue regarding this card. The letter asks me to call if I disagree with the letter closing my account. I called and the agent claimed since the account is closed, she is unable to see the date the card was lasr used. I was transferred to a manager who claimed a letter was mailed to me in XX/XX/XXXX to advise me the account will be closed unless I use it by a specific dare. 
I have never received that letter, otherwise I wont be dealing with trying to have this XXXX XXXX XXXX account reactivated. We are in XXXX and Discover could have emailed or sent mea text of the potential problem. My address, phone number and email address havent changed in many years. 
This action by Discover is unfair and negatively affect my credit rating as a result of closing an old account ( 11 years ) without fair notice. 

I request reactivating my account and that Discover stop this harmful behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
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: Information belongs to someone else

Complaint:
XXXX XXXX shows a inquire on my credit report on XX/XX/2018 but I never gave them written authorization to run my credit.

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 2020-07-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1800.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department XXXX Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$1800.00} {$1800.00} Payment Info Original loan amount {$1800.00} Balance {$1800.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, PAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XX/XX/XXXXXXXX XXXX Original creditor : XXXX XX/XX/XXXX{$610.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$610.00} {$610.00} Payment Info Original loan amount {$610.00} Balance {$610.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XX/XX/XXXXXXXX XXXX Original creditor : XXXX XX/XX/XXXX {$640.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$640.00} {$640.00} Payment Info Original loan amount {$640.00} Balance {$640.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XX/XX/XXXX {$17000.00} Closed 7 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$17000.00} {$21000.00} Payment Info Status Repossession Status date XX/XX/XXXX Past due amount {$17000.00} Original loan amount {$21000.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more all ftc violations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On my credit report it says that I lived in XXXX XXXXXXXX XXXX and I have never lived in that state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08
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: Problem with rewards from credit card

Complaint:
I had over XXXX ultimate reward points which I value for over {$6000.00} and the bank took it away after closing my account. 

The whole reason the bank recently closed my account was for having an old balance with them from a write off account, I had with them in the 2008 recession. Although, it was clearly discussed while I opened the account and I even offered them to pay it which they refused. They were totally ok and fine to open the account. Therefore, I'm very concerned about why they suddenly closed it now, after again being with them for a couple of years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I applied for a credit card with Wells Fargo to transfer my entire XXXX credit card balance. Wells Fargo approved only {$2500.00}. They didn't tell me this until already proceeding with the smaller, less than intended, balance transfer of {$2100.00} + {$63.00} in fees. I contacted XXXX to cancel this payment and they sent it back to Wells Fargo. However Wells Fargo has not given me credit back for this cancelled Balance Transfer and now is charging me fees for missed payments. I'd like them to refund this cancelled balance transfer and refund all fees. I've chatted with them online. They asked me to call. I've called and been disconnected by the representative when they didn't seem to understand why/how to dispute a cancelled Balance Transfer.

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 2019-11-01
Company: LoanCare, LLC
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to request your help. I have a mortgage with Loancare ; account number XXXX, opened date XX/XX/XXXX. This company is reporting a late payment on my account and I want to explain why they are committing multiple violations to the FCRA by doing this. 

I have mortgages dating back to XXXX and I HAVE NEVER BEEN LATE. Back in XXXX, I processed the Loancare payment online and for any reason, their website indicated that the transaction was successful. I realized that the payment was not submitted until XXXX, when they called me. I have been told that they have a terrible website and I confirmed that on XXXX. 

They are being unreasonable because THEY NEVER HAD CALLED OR MAILED A NOTIFICATION until XXXX and nothing in XXXX when the payment was late. The FCRA requires any debt collector company to notify the consumer when a payment is due. 

Loancare is also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. The first time a live person called was XX/XX/XXXX after the payment was due, WE IMMEDIATELY PAID. 

This is a joint account, therefore, two people are being affected by this companys NEGLIGENCE and UNFAIR BUSINESS PRACTICES. We have a Pending mortgage for {$300000.00} because of this wrong information being reported. 

I am demanding a Deletion letter from Loancare. This inaccurate mark must be removed or corrected ; otherwise, I will not have another option but FILE A LAW SUIT for all the violations committed. 

Attached : Bank account as proof of that I had enough funds to pay.

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 2023-10-03
Company: EQUIFAX, 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:
I am a victim of identity theft and I filed a police report and FTC report and sent them to the credit agencies. These documents are not being processed correctly and my disputes are not being submitted. I also am not getting copies of the verification process The Accounts are : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called today XX/XX/19 to ask if they could take off the debt since I paid it and they told me to write a letter or despite it on here and they will review it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in XXXX ERC stated that I owed original creditor XXXX XXXX XXXX equipment fee of {$100.00}, they posted it negative to credit bureau 's. I disputed this and proved to the credit bureau 's that I paid the account in full, so ERC agreed to take the negative report off, I also told ERC not to contact me back in XXXX. 
Now ERC Has called called me twice in 2 weeks and sent me a collection letter for the same account from XXXX XXXX XXXX recently. 

I called XXXX XXXX XXXX ( now called XXXX ) and spoke to XXXX XXXX ID ; XXXX on XXXX XXXX XXXX, she verified that I paid this in full on XXXX XXXX XXXX account # last four : XXXX. 

ERC keeps on contacting me on this settled account please help me with this or inform me on how to take further legal action against this company. 

I very frustrated with dealing with this every couple of years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Capital One gave no attempt to fallow the fair retaliation process on collect the debts that I owed them. I went from making over 380k a year to losing my job in the XXXX XXXX. I had never received the certified letter that they were suppose to send out before taking court action of a judgment against me stating below. These laws as state were created to not case undue hardship on the consumer. one debit is for around 7 thousand and the other is for around 17 thousand judgments were taken out on XXXX XXXX XXXX XXXX. 
Validation Notice Requirement o The debt collector is required to send the debtor written notice within five days after the initial communication with the debtor of the consumer 's 21 right to obtain validation of the debt. 15 U.S.C. 1692 ( g ) ( a ) ; 209 C.M.R.

18.16. 
o The FDCPA requires the written notice to contain the following information : n Amount of debt ; n Name of the creditor to whom debt is owed ; n Statement that unless consumer, within 30 days of receipt of notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; n Statement that if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and n Statement that, upon consumer 's written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 15 U.S.C. 1692 ( g ) ( a ) ; 209 C.M.R. 18.18. 
o In addition to the failure to send a validation notice, the debtor may also counterclaim that the debtor made false, misleading or contradictory statements, overshadowing the validation notice requirements in violation of 15 U.S.C. 1692 ( e ) and 209 C.M.R. 18.16.

Company response to consumer: Closed with explanation