BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I respectfully request that the company offices provide me with competent evidence that I authorized them to pull my credit or else remove the account from reporting on 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 2020-10-31
Company: Total Card, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am receiving calls from Total Visa at XXXX XXXX XXXX weekends nights holidays even on a Saturday night demanding money but my bank refused to pay them last XXXX. He never made a demand for money but just calls. I do not know what he is talking about. 
He says Total Visa told him to call me at XXXX  XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, New York XXXX but I am on XXXX which is exempt from lawsuit and garnishment but he says that is only the law and he does not have to obey it. 

He issued nothing in writing just threatening abusive phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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:
In Accordance with the fair credit reporting act XXXX account # XXXX Account Name : XXXX XXXX XXXX Has violated my rights. 


15 U.S.C 1681 section 602 A. states I Have the right to Privacy. 
15 U.S.C section 604 A Section 2 : it Also States a consumer Agency can not furnish a Account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I got a credit card from Capital One that had a 0 % APR on new purchases for a certain number of months. The statements do not show when the 0 % APR expires. I have to call them to find out. I called just now because I though it might be expiring soon, and I learned it expired last month. I also have a card from XXXX XXXX with a promotional APR, and it says clearly on the statement when the rate expires.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: SC
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % 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 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 2022-09-06
Company: Experian Information Solutions Inc.
State: NM
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: Investigation took more than 30 days

Complaint:
Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2019-07-05
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive an alert from XXXX XXXX that my information was found on dark web upon reviewing my credit report, I saw an account that I have no know knowledge, I reached out to the company listed and haven't received any info or verification of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, 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 2020-10-31
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I applied for unemployment in may. I received my reliacard around XX/XX/2020, tried to activate it and the website told me to contact the number on the back of my card. When I called US Bank they told me my account was marked as inactive, and that I should contact my state agency for more information. So I did, I called the Treasury department in Pennsylvania, and they just told me that they put my name and my account number on a list and sent it back to the bank so they could verify my identity and unlock my card. So I call the bank again, only for them to send me back to treasury, and its been back and forth since. I havent been told the reason why my card was marked inactive. I faxed the info the bank asked for ( ID, SSN, Account Number ) and did the website verification. Still to this date ( XX/XX/2020 ) I havent been able to receive my money.

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 2020-06-02
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: Information belongs to someone else

Complaint:
I recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXX XXXX {$1400.00} DPT EDXXXX XXXX {$7000.00} XXXX XXXX XXXX {$3700.00} XXXX  XXXX XXXX {$2600.00}

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 2022-08-06
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a vehicle that was repossessed by XXXX XXXX XXXX XXXX in the State of TEXAS on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. Under the laws of the State of TEXAS UCC 9.614 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I have a reported balance of {$9800.00} showing on all three of the credit bureaus. 

I was never provided with copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. I have reached out to all three of the credit bureaus as well as XXXX XXXX for proof of the resale of the vehicle and have yet to receive anything.

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I went to a dealership I was told that they were only going to run my credit through one bank I seen my credit report and my credit was ran through all sorts of places I did not authorize. Please delete from my credit reports. 

XXXX Unauthorized Inquires : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Unauthorized Inquires : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XX/XX/XXXX Transunion Unauthorized Inquires XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23
Company: Santander Consumer USA Holdings Inc.
State: AL
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:
My credit was ran without my consent or knowledge on XX/XX/ by Santander consumer USA, when I called them to ask if they had an authorization, identification of the person that applied for credit in my name, they told me to contact the credit reporting bureau & hung up the phone on me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX DBA XXXX XXXX. 

Three months in a row they have charged me a {$99.00} late fee saying they have received my payment late. Each time I mailed my payment out with plenty of time to arrive before the XXXX of the month. 
This month I put my check in the mail on XX/XX/XXXX. They say they did not get my payment until XX/XX/XXXX. I am mailing my check from XXXX XXXX CA and their processing center is in XXXX XXXX XXXX XXXX CA. That is about 15 miles away. There is no way it took 12 days to receive my payment. I have a feeling I'm not the only one they are pulling this on. Tacking on an additional {$99.00} on to thousands of customers seems like a great way to make some quick cash. 
Please look in to this, I seriously think they are defrauding a lot of people using this method. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Back in XXXX thru XXXX I had multiple over charge by the Wells Fargo company. XXXX in XXXX instance they returned the {$35.00} fee 5 days later causing me to have a negative balance

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 2023-10-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX Balance : {$33000.00}, XXXX XXXX XXXX Balance : {$1700.00}, XXXX  XXXX  XXXX Balance : {$5300.00}, XXXX XXXX XXXX Balance : {$6000.00}

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 2021-03-31
Company: JPMORGAN CHASE & CO.
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 is missing that should be on the report

Complaint:
add good accounts by XXXX card that they took off you cant take good paid history b/c you're mad about other disputed accounds FDIC, FTC, FCRA violations See attachments for proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-31
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made a payment to my Chase credit card account, Chase is showing the payment was posted, but my i am unable to use my card for one week. I called them and they said it is because my payment was more than half of my available credit limit ( my limit is {$5000.00} ) my card will be unable to use anytime i make a payment of {$2500.00} or more for one week. The payment supervisor informed me that this is across all of Chase, not just me. My bank is showing it was posted, Chase shows it was posted, and my new total balance is {$88.00}. This is completely unfair and I never agreed to this in the terms and conditions. I am unable to use a card even though I paid my balance. Is this a scam to make me not make a full payment and pay them interest? I have a XXXX and this is my main credit card that I use. Can you please help? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/2020, I wanted to deposit {$1800.00} into my Chase checking account. I went to a local Chase bank and deposited using an ATM. I received a deposit slip saying to make sure your funds went through, call xxx-xxx-xxxx. After I received the slip, the screen said not accepting deposits at this time. I called the claim department at Chase and they asked for all the numbers on the slip and issued me a credit {$1800.00} ... {$10.00} less than the amount I deposited after the lady on the phone correctly stated the amount was {$1800.00} to me. A week or two later, Chase says they did an investigation and the Chase bank I used stated there wasnt any extra money in that ATM since they did an audit that day, which is a LIE. They even stated that there is no evidence of a deposit yet had my deposit slip on file. There should have been {$1800.00} extra. Then Chase withdrew {$1800.00} from my account leaving that amount in overdraft charges. They keep demanding I pay that amount to them but its a fault on their end. Theyve done this to many people, and Ive read their stories, and I need this to be checked out. I cant and refuse to pay this amount. That cash I worked so hard for, for them to just take it and lie to my face.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I contacted Chase early XXXX regarding a credit in my account for {$110.00}. They sent me an email on XX/XX/2023 that states " we have sent you a payment ''. The choices to collect the refund were click accept money and continue on to create an account or let the email expire for 4 days then they will send a physical check to my address. I waited for a month, no check arrived. 

I called on them on XXXX XXXX, XXXX, the person that I spoke asked to verify the address, it matches their record. She said she will send me the same email and to not do anything with it, this way the paper check will be mailed. It is XXXX XXXX and I still no check. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: FL
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:
On my Equifax credit report it is showing a hard inquiry from XXXX card services on XX/XX/2021 and I have no recollection of applying for a credit card through XXXX XXXX XXXX I am also disputing the fact that I also applied for another credit card through XXXX XXXX XXXX on XX/XX/2021. Both applications are false and I am submiting a copy of an identity theft report that I submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: Collection Specialists, Inc.
State: ND
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Is over two years ago this company I lived property rent when I moved out they ask me some money for property damage company name : XXXX XXXX XXXX I live with roommates this property they asked me to pay for it only me I was not live in by myself I have roommate I try to pay for it some payments amount of money its was {$1000.00} I almost paid half of it this amount balance is {$500.00} I cant afford it this money

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation