BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-01
Company: SANTANDER HOLDINGS USA, INC.
State: MO
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:
We received a debit card from Chrysler Capital ( managed by XXXX XXXX XXXX ) in regards to a vehicle we sold. It came as a debit card. We attempted to transfer it to our bank account and it showed pending. It went back to the card instead of transferring. We tried to use the card since we have made multiple attempts to contact them via phone and email to no avail but it comes back as expired ( We initiated the transfer prior to the card expiring ). When I log onto the account, the money is still there. 
We just want the money due us and we really are disappointed that we were sent a debit card as opposed to a check. We also we like to be able to speak to someone via XXXX XXXX to fix the issue. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: JPMORGAN CHASE & CO.
State: NV
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:
This will be my second time submitting compliance against Chase cards with you guys, thx for solving problem last month on my XXXXXXXX chase account, this time ... it will be the XXXX XXXX XXXX card I choose to terminate with Chase ... still..my inquiry involved remaining benefits I earned and to be kept with me as ALL my airlines credit card..XXXX  of last year I opened this account and earned XXXX XXXX XXXX XXXX XXXX  ... when arriving to XXXX XXXX at XXXX XXXX XX/XX/21 I discovered no amenities were due to Covid ... only XXXX never informed me with those limitations ... when I asked my pass to be reinstated they refused and climbed it was used already ... .not only I didnt use that really in a full way its should be ... I did understand and gave them chance to have me returned when full service will be offered ( all my other airlines did offer full hot food even at Covid time/2 month ago and even asked me if I wanted credit for next visit as food was not to 100 percent as usual/ XXXX card XXXX  and my XXXX from XXXX XXXX this bank as well terminated my second pass that was NEVER used and was good till XXXX of this year after for SURE they made me complete amount of spending with that credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company, Jefferson Capital System is inaccurately reporting a fraudulent account in the amount of {$390.00} under my name and my credit reports! I have contacted them several times to advise them of this and even sent over my police reports and other documents and they still report this under my name and credit reports. This is affecting me and causing me stress and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2021-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
TransUnion continues to respond that the item was verified when in fact it was not and could not be because it is fraudulent. I do not have the same name as the person listed.

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 2023-07-01
Company: CCS Financial Services, 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: Their investigation did not fix an error on your report

Complaint:
I sent a letter on XX/XX/2022 to XXXX. Here is my tracking number XXXX XXXX XXXX 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX of 2022 the credit reporting was made aware of fraudulent accounts being reporting due to identity theft fraud. They did not do a proper investigation.

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 2020-07-16
Company: Square Inc
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I was trying to CashApp my last car payment and when I went to send the payment of {$820.00} they locked my account after I tried to send the payments in smaller amounts. The app says that my account will be unlocked in 24hrs that was on the XX/XX/XXXX, now their saying that I have to wait 45 days. CashApp set me back on my last car payment and my little girl had to wait until I got my next paycheck to celebrate her birthday. CashApp has been nothing but stress, I contacted the XXXX, my states AG, and now Im asking for you help with this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
WAKEFIELD & ASSOCIATES ( XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1700.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 


The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 


Please keep in mi

nd that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written
instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2022-12-05
Company: EQUIFAX, INC.
State: LA
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:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Experian Information Solutions 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:
Trying to get credit inquiry removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We paid out credit card payment on XX/XX/20 in the amount of {$10000.00} which was the full amount due and paid by autopay from our bank on the day it was due. Since then, our card has been declined. Looking into our accounts, our bank paid the full amount above, we received a notification of the withdrawal and the credit card account shows it being paid, however, the payment on their end is " on hold ''. So we have no access to our credit card, the money came out of our bank account 5 days ago and has been credited to our account on the credit card website. It is barlaycard. I have been trying to call them- yesterday was on hold for over an hour, and now as I write this am still on hold for over two hours. We paid our bill on time in full 5 days ago, why is our payment " on hold '' why is the money out of our bank, why wont they answer the phone? God forbid this was some poor soul in a real crisis that needed their credit card asap!

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 2023-06-21
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am filling this complaint to EQUIFAX for allowing fraudulent inquiries on my credit report. 
As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My JP Morgan Chase Credit Card has been used by somebody else besides me about 4 times. My card has been used overseas as well by somebody else. Random purchases have been made by somebody else with my card through the internet. I have had to change my JP Morgan Chase Credit card about 4 times this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is 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 explanation
Consumer complaint received 2020-07-16
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage through PHH Mortgage company. I confirmed with a PHH representative that all of an excess monthly mortgage payment will automatically be applied to the principal balance. For several months, my excess payments were being applied to my principal balance. However, on XX/XX/2020, I sent a payment of {$7000.00} to PHH. As my monthly payment is {$1700.00}, {$5200.00} should have automatically been applied to my principal balance. Without my express permission, instead of applying the full amount to my principal balance, PHH deducted {$1700.00} as an " advanced '' XXXX payment. I called PHH and explained the issue and stated unequivocally that I wanted ALL excess mortgage payments to be applied to my principal, and not to any advanced monthly payment. On XXXX XXXX I made a {$7000.00} mortgage payment. Despite my previously stated instructions, PHH once again failed to apply the excess amount to my principal. As before, they deducted {$1700.00} as an " advanced '' XXXX payment. Given that practice has only begun as I am approaching mortgage pay off, I believe PHH is deliberately refusing to apply my excess mortgage payment to principal in order to increase the life of the loan to increase their interest profits.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX, I went online I was changing 2 XXXX XXXX XXXX and keep 1. T was deleted it. The next day l saw, it deleted, Personal Information : please see. I have to keep it. I tried to call them and it want let me. Experian Report number XXXX. I paid off my XXXX XXXX XXXX and going to buy a car. I need to change it back. 

Name XXXX XXXX XXXX Phone XXXX Cell XXXX Birth year Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx 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 2022-12-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I HAVE PERSONAL INFORMATION THAT DOES NOT BELONG TO ME. XXXX REFUSES TO REMOVE THIS INFORMATION. I HAVE ACCOUNTS THAT DO NOT BELONG TO ME. CONVERGENT OUTSOURCING XXXX, XXXX XXXX XXXX, XX/XX/18, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ADDRESSES, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. INQUIRIES XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX CREDIT, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. THIS INFORMATION DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
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:
There are incorrect Information reporting on my credit report. There are fraud accounts reporting and incorrect personal Information. 

Incorrect Address Information : XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX The following account is reporting as a result of fraud : - XXXX XXXX XXXX XXXX & Equifax ) ; Bal : {$640.00} - XXXX XXXXXXXX XXXX XXXX - ( XXXX ) ; Bal : {$270.00} - XXXX XXXX ( XXXX ) ; Bal : {$0.00} - XXXX XXXX XXXX - XXXX XXXX  ) ; Bal : {$990.00} The following public records are not mine : Chapter XXXX - Dismissed XXXX date : XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
A police report was sent to remove fraudulent accounts to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: CBC Companies, Inc.
State: MN
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:
Attached is a letter from XXXX XXXX Notice of Data Breach informing my personal information was compromised. The following accounts currently listed and showing on my Factual Data Consumer Report is the result of data breach and identity theft : XXXX XXXX  XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, and XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
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: Information belongs to someone else

Complaint:
I HAVE PERSONAL INFORMATION THAT DOES NOT BELONG TO ME. XXXX REFUSES TO REMOVE THIS INFORMATION. I HAVE ACCOUNTS THAT DO NOT BELONG TO ME. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX ADDRESSES, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS INFORMATION DOES NOT BELONG TO 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 non-monetary relief