BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-06
Company: EQUIFAX, INC.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
ON XX/XX/XXXX I DEPOSITED ACHASHIER CHECK IN TO MY CHASE BANK ACCOUNT IN THE AMOUNT OF XXXX. VIA ATM, ON DRAWEE XXXX XXXX CHASE RECHIEVE CASH FROM XXXX XXXX   FOR THE MONEY ORDER AND PLACE FUND IN MY CHECKING ON XX/XX/XXXX FUND WHERE AVAILABLE, ON XX/XX/XXXX FUND WERE SUSPENDED FOR REASON THAT ARE UNCLEAR TO ME, I LATER RECEIVE A LETTER. 
SAING MY ACCOUNT WILL BE CLOSE AND ANY FUND WILL BE MAIL TO ME. FOR MORE THEN A YEAR THEY HAVE BEEN TELLING ME THE CHECK HAS BEEN MAIL TO ME.IN XX/XX/XXXX I RECEIVE A LETTER FROM CHASE BANK STATING THE MONEY WASW SENT BACK TO XXXX XXXX PER THIER REQUEST, WHITOUT EXPLANATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I was having {$380.00} a month taken out of my checking account by XXXX for a Kia loan. My last payment was for {$250.00} in XX/XX/2021. Kia took out {$380.00} but did not credit me with the {$120.00}. I thought I had stopped autopay so I had made a request of {$250.00} to go to Kia as the final payment. I did not realize I had not stopped the automatic payments. So with the {$120.00} that I should have been refunded and the {$250.00} payment I made through autopay, which I thought was the payoff, that adds up to {$380.00}. I called 3 different times and talked to XXXX, XXXX and XXXX. They all said I was wrong, nothing was owed me. My attorney sent a letter in XXXX requesting a refund. I called the week of the XXXX XXXX to Consumer Service to see why I have not heard from them. I was told Kia 's legal dept. had the letter and they would only correspond with my attorney.

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 2023-05-19
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Over a week ago I applied online for a report from LexisNexis Consumer Center. 
I have still not received any confirmation that they received my request. 
In their website I found a phone number to submit a request via phone and to speak with a live operator : XXXX. 
i was never given an opportunity to speak with a live operator. 
So I still do not have any verification that they received my request. 
I feel that the Company needs to provide access to a live operator, as advertised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
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:
I am a victim of identity theft. Ive sent several disputes to the credit bureaus in regards to my information being compromised my information was found in 35 unauthorized databases with my information. My social security was breached in XXXX  database as well. I filed a identity theft report with the FTC please find attached the identity theft 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 non-monetary relief
Consumer complaint received 2019-04-28
Company: JPMORGAN CHASE & CO.
State: CA
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 AMAZON Visa Card with CHASE, account number XXXX was lost or stolen and incurred charges totaling to {$100000.00} statement with due date on XX/XX/2019 I've contacted the bank with phone number XXXX, spoke to customer service rep named XXXX and reported the fraud on XX/XX/2019, I also spoke to XXXX on XX/XX/2019 and explained the same thing.. I clearly stated that I personally have nothing to do with any of charges posted on that card. Today XX/XX/2019 I received letter stating that my claim was partially denied based on the matter that I personally " received benefit from transactions '' in amount totaling to {$36000.00}. They provided me with new number XXXX XXXX for additional assistance. 
I spoke to representative with the name of XXXX on XX/XX/XXXX  at XXXX XXXX and clearly stated that I have nothing to do with those transactions and requested to have those charges removed from that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
On XXXX I received a message from Wells Fargo asking about some charges on my account. I followed a link. They called and unfortunately I logged into my account. Supposedly they took off the charges. Shortly I received an email from Wells Fargo stating I had sent 2 wire transfers. I called to report that I had not sent the transfers. My account showed {$14000.00} taken from my Visa signature card and {$12000.00} removed from my savings. The money was wired to another account. The fraud specialist said they would stop the transfer, not to worry. Today, Wells Fargo denied my claim stating that I or someone I authorized had performed the transaction and they would not reimburse my funds

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 2018-05-24
Company: JPMORGAN CHASE & CO.
State: MI
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 just received notification today, XX/XX/XXXX, from XXXX   that Chase pulled my credit file ( FRAUDULENTLY ). This is the second time in the past 5 months this has happened. On XX/XX/XXXX Chase FRAUDULENTLY allowed my credit to be pulled. I have attached a previous CFPB complaint with Chase and a letter from Chase verifying it was fraudulent. I have attached my complaint letter directly to Chase telling them it was fraudulent as well, and to NOT extend credit in my name without verifying my identity. After this happened I filed with the FTC as a victim of identity theft ( see attached ). There is also Fraud Victim alerts placed on all my credit files with the 3 major credit bureaus stating to contact me at my phone number to verify my identity ( see attached ). Chase did NOT do this and pulled my credit file with out my permission or consent again. These inquires are ILLEGAL. Remove the fraudulent inquiry from my file immediately or I will file suit. I already have a consumer protection attorney, who I will be contacting immediately regarding this issue, due to previous identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I received a call from someone who identified himself as a Chase representative he told me that thought there could have been suspicious activity on my account regarding a scheduled payment on bill pay. I explained that it was me that I set it up to pay my rent that would be due soon he thanked me and hung up. I tried to access my online account later that day and received an error message that I was locked out, I thought I might have just entered the wrong password and decided to take care of it latter. 
On XX/XX/XXXX appx XXXX i called Chase regarding my locked account and was told i had to go into a branch and provide positive Id in order to have it unlocked. I drove to the XXXX Branch and was told by the teller i had to see the Bank manager, the Bank manager then called me into his office where he told me the bank had no idea why my account was locked, he called someone i skied who he was calling he sternly said its the department that handles these things he was on hold for about 20 minutes then started talking to someone he then told me my account was closed he didntt know why my two options were to open a new account or wait for Chase to mail me my money in the form of a check in 3 to 5 business days. I told the bank manager that I needed that money to pay my rent he just repeated the options. I then told him he needed to get someone on the phone that that was not ok and I wanted my money. He said if I dint leave he would call the Police, I informed him to do so that I would like the documentation. Apps 15 minutes later the Police arrive I explained the entire situation to them and they took a report and told me theres nothing they could do. When I returned to my office I called the 800 number for Chase and was transferred to what they called the Executive Department i spoke to someone named XXXX who said she would make inquiries about getting my money sooner and told me I can call back and if she wasnt there anyone would be able to help me. Around XXXX I called and the lady who answered that XXXX was not there and I needed to talk to someone named XXXX but she wasnt there either, I asked what was XXXX title and she said that only give out first names and transferred the call I left a voice message explaining the urgency of my needing my money returned Immediately. On XX/XX/XXXX I talked at appx XXXX I spoke with XXXX from the Executive Dept., who apologized for the inconvenience and told me that since I verified my identity she has requested that I would be allowed to re-open my account, so I would have access to my money, I informed her that I no longer want to do business with chase and I needed my money to pay my rent, she apologized and said that could take up to 3 to 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
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: Information belongs to someone else

Complaint:
I recently applied for an apartment and I got denied. I don't understand why I would be denied 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 please. I called police and got contact with FTC. These are the items I need help removing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
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:
From XX/XX/XXXX to about XX/XX/XXXX, I was a victim of identity theft where an unknown person was using my name and personal information to open multiple bank accounts XXXX XXXX  XXXX XXXX and XXXX ), as well as lease an apartments ( XXXX XXXX XXXX ) with my identity. The total amount was {$5700.00} dollars. I have alerted banks creditors and leasing agents to try and help resolve this issue. To my knowledge the thief opened up a bank accounts in XXXX XXXX and leased apartments in XXXX XXXX Nevada.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I would like to request a validation of debt from XXXX XXXX. As you'll see in the attached photo in the account info section XXXX stated and published that I opened the account on XX/XX/XXXX, but their records show the account was opened in XX/XX/XXXX. If in fact this is the case, I'm requesting any and all late fess, penalty fees, and any other fees charged to or in association with this account that occurred on or before XX/XX/XXXX be refunded to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: ID Analytics, 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 status incorrect

Complaint:
XXXXshowinghasveryseriousdelinquencywithmyaccountwhichisinvalid.IhavefirsttwolatepaymentsinXX/XX/2018andXX/XX/XXXXbecausecreditproviderdoesnotsendanydetailsorlogincredentials(accountdetails)inordertopaytheamountwithintimeframeanditswaspaidimmediatelywhenigottherequiredinformationabouttheaccount.duetothisdelay,ihavenotifiedwithveryworstcreditscoreandstatedasseriousdelinquencywithnumberofaccountsonlywithXXXX-XXXXhoweverihavegoodcreditscorebyotherproviders(XXXX-XXXX&XXXX-XXXX).

IhaveseenverybadscorefromSagestreamLLCwhichshowingas-XXXX.Iwouldliketorequest,pleasecorrectthiserrorandtakenecessaryactioninordertogetproperfaircreditscore.Thanks!

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 2019-11-05
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: Information belongs to someone else

Complaint:
I recently applied for an apartment and I got denied. I don't understand why I would be denied 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 please. I called police and got contact with FTC. These are the items I need help removing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back in 2014 fell behind on my mortgage with Bank Of America loan origin XX/XX/XXXX to XX/XX/XXXX.  They sold the loan or transferred the loan to XXXX XXXX XXXX Tried to get the loan modified they gave me the run around missing docs, need more information this went on until XX/XX/XXXX I was able to get it modified they lowered the interest rate from 5.125 % to fixed 3.375 % and lowered payments to {$820.00} number of monthly payments 233. 

Assumed everything was correct made my payments to XXXX every month up to XX/XX/XXXX they transferred the loan back to Bank of America. I noticed online that the loan changed to a XXXX XXXX XXXX and remaining on the loan was 39 yrs and 6 month. Called BOA to let them know it was wrong got the run around everyone I talk to agreed with me that it was wrong. I continued making my mortgage payments to BOA and assured they would fix it more time passed. I got busy with life and didn't check on it because every time you have to explain why you are calling again and again and the agent would look at loan mod docs state I was correct and the circle would continue. 
You need to talk to a different department they would put in a claim to a different department to get it corrected. 

Last week I tried again to have someone fix it. Called again today the agent asked my name when I said it they instantly hung up. This happened 4 times in a role. The 5th time I asked the agent not to hang up before giving my name. I never was cross or lost my temper with the agents. Just want to get this resolved. 

When I talk to XXXX  agent they told me that the rolled in the rears and fees and by lowing the interest rate it would not increase the length of the loan. 

Note in my modification it says nothing about a balloon or increasing the loan terms

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 2019-11-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I leased a XXXX XXXX XXXX thru XXXX XXXX XXXX and before the end of the 3 year lease the care was returned by a broker ( XXXX XXXX, owner : XXXX XXXX, cell ; XXXX ) to XXXX XXXX   XXXX. He forgot to get an LPW number at that time and proceeded to lease me a XXXX XXXX XXXX for another 3 years. When I decided to lease now a new XXXX XXXX, I received a letter form XXXX XXXX that I owe them another {$4400.00} representing the difference between Contract receivable and the selling price of the XXXX XXXX. I am XXXX XXXX  and I have been leasing XXXX  cars since XXXX and always given back the cars before the end of each lease period ; I have never been submitted to this type of non sense super creating billing which I believe is illegal. In addition XXXX XXXX ruined both my credit score and that of my wife because several XXXX dealers told me that if I add my wife as co-leasee, they would approve a new lease -- subsequently I got several letter of denial stating that I owe money to XXXX XXXX and my credit score is too low. I add that I have a duplex in XXXX and a house upstate and no loans to pay to any entity..

Company response to consumer: Closed with monetary relief