BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-06
Company: EQUIFAX, INC.
State: TX
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:
Equifax and XXXX are reporting incorrectly that I am 90 days past due on XXXX XXXX - partial account number XXXX. ( Please see pages 58 and 59 of the attached credit report. ) Thid account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: OneMain Finance Corporation
State: AZ
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:
One Main Financial did 2 hard credit inquiries on XX/XX/20. Only gave permission to run credit once

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-27
Company: EQUIFAX, INC.
State: CT
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:
DEFAMATION OF CHARACTER Notice of pending litigation seeking relief of monetary damages under FCRA Section 616 + Section 617. Final written attempt to amicably resolve your continued willful violation of the Fair credit reporting act regarding your refusal to delete all of the UNVERIFIED/INACCURATE account information from my consumer file. Despite my three written request items listed still remain on my credit report in violation of Federal law. In the results of your reinvestigation you stated in writing " VERIFIED '' that these items are being " Reported Correctly ''. You still have not identified who verified accuracy and how the accounts were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Previously, on multiple accounts, I tried to talk with Navient about lowering payments and the forced me into forbearance. I was out of a job and had no option. I also feel they misreported payments. There are late fee charges on my account that I dont recall making late. Also, they have made it very difficult to remove the co-signer from my loan. It has been years and the co-signer is still not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: BBVA FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) warned credit card companies they must reveal the true  costs of 0 percent promotional offers. Credit card offers that lure in consumers and then hit them with surprise charges are against the law. said CFPB Director XXXX XXXX when issuing the warning. Today, we are putting credit card companies on notice that we expect them to clearly disclose how these promotional offers apply to consumers so that they can make informed choices about their credit card use. 

BBVA is in blatant violation of the Truth in Lending Act enacted XX/XX/XXXX, specifically Reg Z subsection B which requires lenders to disclose as ARR the total cost of borrowing. BBVA has failed to do this. In the disclosure sent to me and on their website it shows zero percent APR and a few lines down in small print discloses a 4 percent transaction fee on balance transfers. Again they show Zero percent APR for balance transfers for 13 months of account opening while also charging a 4 percent transactions fee. Obviously if they charge a transaction fee, it is impossible to have zero percent APR and therefore violates TILA and is illegal violating Reg Z subsection B.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Incorrect info. CR agencies not consistent. Judgements are not off all CR.

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 2022-02-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX, an individual made fraudulent online purchases on XXXX. The purchases ( 4 items ) totaled more than {$3100.00}. I went to my local Wells Fargo branch and immediately filed a fraud claim in an attempt to recoup the money that was taken. The original checking and savings accounts were closed to avoid further fraudulent transactions, and new accounts were opened. Money was returned to my account in the form of provisional credit and Wells Fargo continued their investigation. 

Today, XXXX XXXX, XXXX, I woke up to more than {$3100.00} being removed from my account by Wells Fargo, and the detailed information said it was a Card Claim Reversal of Provisional Credit. I don't have record of Wells Fargo notifying me of the impending action, and I certainly didn't have the money for that amount to be taken out. Their action virtually wiped out my checking and what little savings I had. 

Here 's what I know regarding the purchases leading up to this complaint : 4 online purchases were made on XXXX on XXXX XXXX ( cleared on XXXX XXXX ) XXXXXXXX XXXX. for {$74.00} XXXXXXXX XXXX. for {$3000.00} XXXXXXXX XXXX. for {$74.00} XXXXXXXX XXXX. for {$8.00} The transactions show up as two separate transactions on the original checking account ( {$3000.00} and {$150.00} [ the sum of the other XXXX purchases ] ) The items ( XXXX XXXX ) were picked up at XXXX XXXXXXXX XXXX # XXXX, which is in XXXX, Texas, near XXXX, a XXXX drive from where I live I spoke with a person ( XXXX ) in the Wells Fargo Fraud Division today and went over specifics. He said during their investigation and dispute with XXXX XXXX regarding the transaction, it was determined that sufficient evidence was supplied to indicate the purchases were authorized, although I never made nor authorized them. He said this is essentially a one-and-done process and that because of the finding, they could not refile the claim/dispute and that it was now considered a closed claim. I was not provided any other recourse or remedy. XXXX that the claim was closed and it's unfortunate that I was losing that significant amount of money. As part of that decision, they took back the {$3100.00}. 

I do not feel Wells Fargo represented my best interests in this matter and failed to perform their due diligence during their investigative process. Had they done so, I believe the result would have been different and this fraudulent act could have been corrected. Instead, I'm left paying for something someone else did that has and will negatively impact me for some time.

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 2018-01-04
Company: Kovach Law Firm, PLLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
While making a purchase I was notified from my bank that my account had been frozen due to a lien and to contact XXXX XXXX XXXX. When I contacted XXXX XXXX XXXX, I spoke to XXXX XXXX, whom had informed me that a default judgment had been filed against me on behalf of XXXX XXXX  Payday loans. I had taken a payday loan out in XX/XX/XXXX, and made a few payments, but lost my job and the bank account ; so I could not make the payments. I tried to make arrangements with the company, but XXXX XXXX refused to work with me. In XX/XX/XXXX I am notified that they filed a lawsuit, because the attorney had put a hold on my child support payments ( which is illegal in Texas ). XXXX XXXX XXXX refused to lift the hold until I signed an agreement. I originally took out a {$750.00} payday loan, but now the charges had gone up to XXXX with excessive fees and interest. I did not attend the court hearing because I was never served and was totally unaware of this. The lawsuit was filed in a different precinct than where I live, with XXXX XXXX in XXXX XXXX, XXXX XXXX. I asked for a copy of the original lawsuit and XXXX XXXX XXXX has not provided this to me, just a statement of what the total amount is now due.

Company response to consumer: Untimely response
Consumer complaint received 2021-12-22
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Company : Chase Bank XXXX XXXX, 2021 Received an unauthorized purchase on my debit card ( ending in XXXX ), XXXX XXXX. Chase removed the transaction and sent me a new debit card ( ending in XXXX ). 

XXXX XXXX, 2021 XXXX XXXX charged {$49.00} card ending in ( XXXX ) XX/XX/2021 XXXX  charged {$49.00} card ending in ( XXXX ) XXXX  charged {$49.00} card ending in ( XXXX ) XX/XX/2021 XXXX  Pending charge {$27.00} card ending in ( XXXX ) Card ending in ( XXXX ) has not been activated by me yet. It is extremely concerning that an un-activated card can be used by fraudulent persons. It also concerning that Chase does not document contacts on fraudulent charge matters. For financial reporting issues these are huge red flags. 

Contacted Chase to remove fraudulent charges on Checking account. XXXX at Chase said he would facilitate removing the charges from my account. Was told by Chase that since it was in a fraudulent individuals digital wallet there was nothing I could do to resolve it. Chase is the entity responsible for resolving the situation. I was on the line with Chase fraud services for XXXX minutes. 

XX/XX/2021 XXXX charge for {$27.00} accepted in my checking account. 

Contacted Chase fraud ( XXXX ) to inquire why I still have XXXX fraudulent XXXX  charges on my Checking account. Told by Chase that they have no record of past conversations of me reporting the fraud. Support rep told me that this fraud is handled by another department and I would need to contact them. Support rep transferred me to senior lead in the fraud department. None of my issues have been resolved. 

27 days is too long to for fraudulent charges to continue. 

There are significant financial control issues being violated here. I can't use debit card ( XXXX ) because it hasn't been 'activated ' yet. A fraudulent user who allegedly put my prior card ( XXXX ) in their 'digital wallet ', had the digital wallet send them my new XXXXunactivated ' debit card ( XXXX ), and the fraudulent individual is free to use debit card ( XXXX ). Who designs a financial system that operates in this manner, and doesn't empower employees to resolve issues?? 

Chase won't remove the XXXX charges from my checking account. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
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:
XXXX XXXX XXXX XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.

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 2021-12-22
Company: Experian Information Solutions Inc.
State: KY
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2022-02-03
Company: Experian Information Solutions 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:
I recently received my consumers reporting file and noticed multiple tradelines that stem from identity theft. I reported all information to the Police department and contacted XXXX, Experian, and XXXX upon me sending all the proper paperwork ( identity theft affidavit, copy of the police report, Identification and Social security card ) this 3 consumer reporting agencies refused to follow the law set forth by congress. They continue to report these inaccurate fraudulent accounts on my personal consumer report without proper verification which is a direct violation

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 2019-09-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I used XXXX through my XXXX  XXXX XXXX account on XX/XX/2018 to purchase hockey tickets, at a cost of {$300.00}, that I never received. I realized within an hour I was scammed. I tried to call XXXX  XXXX XXXX to stop the payment and they told me I had to file a claim. I then called Wells Fargo where the fraudulent account was, to stop acceptance of the payment, and they refused to speak to me since I do not have a Wells Fargo account. XXXX XXXX XXXX reviewed my claim and said I made the transfer, there's nothing they can do. I only used XXXX as it is on the XXXX XXXX XXXX website, so assumed ( wrongly apparently ) it was a safe manner to transfer the money. I am a Premium Platinum Client at XXXX XXXX XXXX I have banked with them for over 35 years and they will do nothing to help me. I recently spoke to a friend who told me he had a similar situation. He banks at Wells Fargo and they reimbursed him the {$250.00} he had transferred to a scammer. So I decided to call XXXX XXXX XXXX and ask them to once again review my claim based on Wells Fargo 's reimbursement and they again refused to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
NFCU has abused my intelligence along with my access and use of checking account, the whole time Ive had this account they never reported my excellence of banking. But I did receive a no access warning while out shopping and to call them and was not able view my account over 6 months ago. I called their fraud department and spoke XXXX and whom talked to with very condescending threats about me receiving a cash app deposit as if he was implying that I was money laundering and he sent me an affidavit to file out and complete and since this Ive havent heard anything. But I fo know all these banks that have closed my accounts are in legal trouble and laws suits themselves and Im suffering behind their fraudulent and the federal reserve needs to do something about this. Its ridiculous cause filing these complaints gets it nowhere okay XXXX you have NFCU listed in a mayor lawsuit for intentionally closing accounts no reason Im including myself as part of this abuse in this pending case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
They refused to process the application but they still ran my credit. I want both inquiries removed asap. 
XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 2022

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 2021-06-21
Company: Medical Data Systems, 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:
Medical Data Systems XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: LEXISNEXIS
State: GA
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:
I conduct a investigation with LexisNexis concerning the bankruptcy account they report to XXXX XXXX XXXX and after the investigation lexis nexis said that they remove them from their database I received a letter on XXXX XXXX state that they remove them from their database after their investigation. 

I reccevied a letter dated XXXX XXXX the did a investigation and verfied the bankruptcy were accurate and i need to reach out to the court. I been reached out to the court and do to the privacy act of 1974 the courts cant verify anything. 
Also i was part of the class action lawsuit were lexisnexis and reporting worng data. 

I also have attached the letters to the complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: OH
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 first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant

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