BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
On XX/XX/2021 I notified the credit bureaus that there are some account reporting on my credit report that were the result of someone using my information to open up accounts. The credit bureau 's have removed some fraudulent accounts from my credit report however when I pulled a new credit report and I noticed that the accounts re-appeared. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the items back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXXXXXX and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague and so they can complete an investigation which may unfortunately lead to an arrest.

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 2020-10-19
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Have sent letters to have fraud alert removed and I have not received anything that says that it has been removed. Also the fraud alert has the wrong phone number listed which is causing a major issue.

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 2020-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I pay off my charges every month. Not even close to my credit limit and just received notice from Capital One that my credit limit was decreased by 50 %. I have worked very hard to keep my credit score high. They are not making money on me so decreased my line of credit. My credit takes a hit now. This is absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Conduent Incorporated
State: NM
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On or about XX/XX/XXXX, I received my Statement for the debt card in the mail. When I opened the statement I was astonished to find that unauthorized charges had been drawn on my account. I immediately started a fraud claim with EPPICARD case no. XXXX. They told me I was to wait for the forms to fill them out. They gave me a dead line of XX/XX/XXXX, however they mailed it late but I faxed the filed out forms and contacted customer services. The purpose of the late mail was to insure I did not get the forms in time. There is a 10 day window. 

The charges started occurring on or about XX/XX/XXXX. I did not see any charges in the rest of the month of XX/XX/XXXX. The charges were made in XXXX by a company called XXXX in XXXX and a company in XXXX call XXXX : XXXX XXXX XXXX I have never had a relationship with these companies, I also did not use my card very often as I was saving the amount on the card for an emergency. I would only use sparingly, gas, food, in the XXXX area. 

I sent an itemized list of the charges and the fee 's which were collected by EPPICARD for the international transactions. the total amount I have lost is {$4900.00}. I have also provided affidavits which state I never lost control of the card nor did I authorize any charges. Furthermore I did not have any relationship with the companies who took the money. 

I contacted eppie card on XX/XX/XXXX and talked to their representative who told me the claim of fraud had been denied on XX/XX/XXXX, I had only faxed the forms over on the same day. How did an investigation get done so quickly. 

I recieved a letter on XX/XX/XXXX which stated they did an investigation and determined I had a relationship with the companies who did the fraud. XXXX card allowed successive charges on the same day XXXX over 6 times. XXXX allowed charges over the amount which was in the account and reversed the charge but did nothing to flag the card as it was under attack. 

I have also come to find out it is a habit of eppicard to deny fraud charges and I have viewed several lawsuit. I contacted XXXX XXXX on XX/XX/XXXX and was told the card number was still active, this was after EPPICARD had allegedly closed the account. XXXX XXXX gave me a reference number for the fraud claim. I was further told it was wellsfargo who was the issuing bank. When I called XXXX they denied having anything to do with EPPICARD. However on the back of the card it states. " this card is issued by XXXX XXXX, XXXX pursuant to license from XXXX XXXX XXXX. 

The terms of service state zero 0 Liability, EPPIECARD calls itself the " BANK '' when in fact the " BANK '' is XXXX. It is my belief, EPPIECARD is purposefully denying claims to accounts which have been compromised in order to profit from it. It is XXXX who insures the lost money, did EPPIECARD put forth a claim with XXXX? or XXXX XXXX? 

EPPICARD has breach the contract of their terms of service agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: EQUIFAX, INC.
State: CO
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:
When I pull my credit report under Equifax with my SSN it comes up with another persons name and accounts. I am unable to file a complaint with Equifax because the report confirmation # under my SSN shows a different name so it does not match their file/database. There are several accts with balances that are definitely not mine : XXXX XXXX XXXX XXXX - {$20000.00} - acct ending XXXX XXXX XXXX XXXX XXXX ( XXXX ) - {$180000.00} - acct ending XXXX XXXX - {$8600.00} - acct ending XXXX This is the first action I have taken due to I don't know how to get it disputed. this is only happening on the Equifax acct, the XXXX XXXX and XXXX   do not have this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: MD
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 that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Experian Information Solutions Inc.
State: WV
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 am a victim of identity theft and there is a resultant inquiry on my Experian credit report that I want to dispute. Experian indicates that an inquiry can only be disputed by phone not online - " Not disputable online '' The phone number listed XXXX however will never allow an option ( and I have been through most ) to speak to a real person or to address fraud or an incorrect credit report entry.

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 2020-09-15
Company: CarMax, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I've previously attempted to settle the matter with this company several times but they continue to ignored my requests and are in dishonor. The company received a Notice and Demand to Validate Debt Claim on XXXX XX/XX/2020, according to the tracking info on the Notice. As of XXXX XX/XX/2020, no response has been received and the company is well over the 30 days provided in the Notice and Demand to Validate the Debt. Carmax responded to the previous complaint to the CFPB on XX/XX/2020 where they allege their " records do not reflect receipt XXXX a debt validation request from Ms XXXX prior to her complaint '' which is false and misleading because the USPS tracking number shows that the document was delivered on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I bought a CD on XX/XX/XXXX for {$100000.00}. In XX/XX/XXXX, I had a personal crisis and told the company ( US Bank ) that I wanted to cash it in. They sent me {$98000.00}. 

I had the money deposited for three years and they sent me {$2000.00} less than I deposited? 

I do not think this is fair and wrote them explaining why. 

They told me I would not receive any more money! 

I think this is horrible and probably fraudulent. 

Please help me get more 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 2021-12-07
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:
I've been trying to resolve this acct since XX/XX/2018 with no resolution from Experian and XXXX. I have sent SEVERAL account verification requests and this acct with XXXX XXXX XXXX has not been verified by XXXX or Experian. I also sent a validation request directly to XXXX  and they couldn't verify the requested information. I have attached letters sent to credit bureaus and XXXX. Also there's attached the answer from XXXX with the validation request. 

I need your help to resolve this matter. Thanks for your prompt response and cooperation with 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 2021-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I've been trying to resolve this acct since XX/XX/2018 with no resolution from XXXX and XXXX. I have sent SEVERAL account verification requests and this acct with BOA # XXXX has not been verified by XXXX XXXX XXXX. I also sent a validation request directly to BOA and they couldn't verify the requested information. I have attached letters sent to credit bureaus and BOA. Also there's attached the answer from BOA with the validation request. 

I need your help to resolve this matter. Thanks for your prompt response and cooperation with 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 2018-01-19
Company: JPMORGAN CHASE & CO.
State: TX
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:
HELP CHASE refuses to honor sign-up bonus points worth {$500.00}. 

I applied for a Chase Sapphire credit card because of the XXXX bonus points offer if I purchased {$4000.00} within the first three months. I applied for the card in the beginning of XX/XX/XXXX. Well, you know the saying, out of sight, out of mind. I never thought about that I had not received the card until mid XXXX when my son me if I ever got her Chase Sapphire card. 

OnXX/XX/XXXX7 we called Chase to report that my mother had never received her card. From what the customer service representative told us, the original card ending in XXXX had not been used. So she cancelled that card and issued a new, replacement card XXXX. It was mailed onXX/XX/XXXXXX/XX/XXXX. 

I am not sure what date I received the new card, but the first purchase was on XX/XX/XXXX. My first statement has an Opening/Closing Date of XX/XX/XXXX XX/XX/XXXX. I have Purchases since that first purchase that in the first three months totaled {$4800.00}, which is clearly more than the required {$4000.00} within the first three months to get the XXXX bonus points. But I never did get the XXXX bonus points, which have a cash value of {$500.00}. 

When we contacted Chase about the points, they replied by saying : After reviewing your account, we show the requirements were not met in order to receive the XXXX bonus points ... ; thus, they denied honoring their offer. I never received the first card XXXX, so I could not have made any purchases with that card within the first three months. Moreover, I did fulfill the requirements for the new XXXX card. I have subsequently followed up with Chase but received a second denial letter for the same reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In XX/XX/2017 thru XX/XX/2017 XXXX reported on my credit report delinquencies. I was XXXX  due to a flooding at my place. I informed XXXX prior what took place and they informed me I would be put on an deferment. Instead they reported me as delinquent. I called XXXX to report the inaccurate information on my report. The company ignored my request and referred me to another company XXXX. Misleading me in the wrong direction. Constantly transferring me to different members only to say go online and dispute the matter. I went online and the document isnt on their website. I called them back and reported my findings and they informed it was there. I went through every step necessary only to start back at the beginning. This has affected me majorly where I cant help my XXXX mother nor myself. The company has reported inaccurate results on my report and its not fair nor right to do consumers that way. I need help correcting the matter. I dont know what else to do.

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 2021-12-07
Company: Bread Financial Holdings, Inc.
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was asked to open a XXXX 's card as a way to earn a percentage off my bill. I agreed, not realizing that the purchase would be put on that card and that I could not pay at the time of purchase. It was a {$120.00} purchase. The card was mailed to my residential address, not my mailing address but because I do not have a mail box in the town of my residence, the card was sent back to the company. I have gone online several times to try to remedy the issue, but can not because I do not have the credit card number to access the account. Starting in XXXX, I began receiving anywhere from XXXX calls a day from a number identified as " SPAM '' by my phone XXXX. I did not answer. These calls continued through XXXX. Daily XXXX calls. Then they diminished at the end of the summer. Then, they began calling my husband who also was concerned that they were spam and did not respond. Yesterday, they called my *uncle* and harassed him. I would LOVE to amend the address issue, but am concerned by the aggressive behavior on the part of this company and do not want to talk with them if I am going to be threatened for trying to fix the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-07
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
HIGH 22 % interest rate Unable to effectively dispute transactions with Apple Pay since they only see it as a money transfer service when its a part of the XXXX XXXX XXXX restricted when I have available balance Always declining transactions Customer Service isnt too helpful Benefits not as useful as advertised

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
WellsFargo Bank used my social security # with another persons name to open an account with my ex-spouse XXXXXXXX XXXX XXXX. I contacted WellsFargo Bank I was told my name was removed but my social secuynumber was never removed!! WellsFargo Bank committed bank fraud which ruined my credit worthiness.

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 2021-03-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Please investigate and delete XXXX disputed account XXXX I note that XX/XX/XXXX and XX/XX/XXXX have deleted this false account a long time ago, but Experian is still showing it. Attached is copy of my 3 bureaus 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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2018-01-19
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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:
After reviewing my credit report I noticed an inquiry on there being reported by this company in which I have disputed them and put a fraud alert on my account as well with the credit bureaus & is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. My complaint is towards this unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by XXXX XXXX on my XXXX credit report. Regarding the following inquiry < XXXX XXXX XXXX from XXXX XXXX, 2016 > I have disputed this unauthorized inquiry for several months with no help from the company or XXXX. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters sent to XXXX XXXX. I called and spoke with XXXX in their credit department and she advised me to fax over the information that is reporting inaccurate and they would delete it. As of today, it is still reporting. This is an UNAUTHORIZED inquiry. I am demanding this unauthorized inquiry be deleted from my credit file immediately!

Company response to consumer: Closed with explanation