BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XXXX XXXX repossessed my XXXX  XXXX without warning or any attempts to resolve payment problems. The individual that took the car did so in the middle of the night, dening me any opportunity to remove personal belongings before taking the car.When I called to request my property be returned the owner said i had to pay him a fee to have my belongings brought to me and that I was not allowed on the lot to get my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Tormey Bewley Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted this company a few times over the past years. The original amount of {$95.00} was paid to the dentist and I was insured. They dont have any further records and cant confirm because the dental office closed its doors years ago! Please remove this from my credit report its been over 6years now. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: PNC Bank N.A.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In the month of XXXX, many users of XXXX XXXX wireless phones had their numbers " ported '' to XXXX XXXX fraudulently. ( I have attached documentation of this to the end of this complaint ). Once the " port '' occurred, the hackers took control of people 's phone numbers and used it to gain access to their accounts, such as XXXX ( a cryptocurrency app ) and used that to charge their bank accounts. Many users online are reporting this fraud. 

My telephone number XXXX was ported without my permission on XX/XX/2021. I lost control of my phone number that day. 

I was then the victim of identify theft and unauthorized charges from PNC bank on XX/XX/2021. 

Specifically, the following charges were made on my PNC Bank account : XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX I bank with PNC Bank and I immediately called PNC Bank on the XXXX to report the fraud. I was told that my username and password were being charged and a new debit card would be issued and that a dispute was being filed. 

The following day on XX/XX/XXXX, I went to the PNC Bank in XXXX, North Carolina and was told that no dispute was filed, no user id / password was changed, and my debit was not cancelled or stopped. At that time, they filed the dispute at the branch. The charges were still pending at this time and had not posted. They told me the charges must post before a dispute could be filed. 

Please understand that during this process I didn't have access to my phone number ( and still haven't gotten it back yet ) due to the identity theft. 

On XX/XX/XXXX, I received a letter from the bank that denied my dispute for these fraudulent charges, even though they are obviously fraudulent, repeated {$200.00} charges and many other users are experiencing the same behavior from XXXX. 

Also, I was charged overdraft charges due to the fraud and a {$33.00} charge to stop my debit card due to fraud! 

The letters say that " the date you revoked your authorization with ( the transactions ) was after the transaction posted. As a result, a credit will not be issued to your account. '' But this isn't true. As I mentioned, I called the bank on the XXXX and went in the following day to explicitly revoke any authorization for those transactions. Importantly, I was told that I couldn't dispute the transactions UNTIL they posted. But now they are denying my dispute on the grounds that I didn't revoke authorization until after they posted .... 

HERE ARE OTHER USERS THAT ARE EXPERIENCING THIS PROBLEM RIGHT NOW AS WELL WHO HAD THEIR NUMBERS STOLEN : https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-14
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I am XXXX XXXX, I did wir transfer from my account in XXXX XXXX XXXX to buy car from a company in USA this company has an Account in Wells Fargo bank I transferred money to them account but they was not trust so I called my bank to cancel the operation and they did request that but Wells Fargo not accept until this day I did receive my money or the car now it is 3 year just trying to do anything to return my money please help me please I am in bad and I have XXXX children. 
Best regards 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 2020-11-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 VOD DISPUTE LETTER XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Experian Information Solutions 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:
After not being able to resolve my issue with Experian, regarding my credit score, I submitted a complaint via the CFPB. Experian did respond, but with a generic letter confirming my score should NOT have been impacted. Please review my previous complaint, along with the feedback notes. Since the " rules of what does not impact a credit score '' clearly states " where I live '' ( I have lived at the same address 10 years ) should not impact my score and nothing has changed other than paying my bills on time, my score should have been corrected accordingly. I spoke to a CFPB representative after seeing the response and she agreed I should resubmit, since Experian has verified my score should not have been impacted, yet failed to correct the 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 2021-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft, I have tried to reach out to the creditors and get this situation rectified. These accounts below are fraudulent and unauthorized. 


US BKPT CT OH XXXX Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX CAPITAL ONE BANK USA N XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XXXX  XX/XX/XXXX {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion has incorrect information in my file. This has resulted in social security and XXXX credit card being unable to identify me. Also resulted in a low credit score resulting in higher interest rate asked for by XXXX XXXX, credit. This problem doesnt exist with XXXX. Scores are 264 points different between the two reports. The co will not verify their data. Demand that I provide copious information trying to prove a negative or pay a fee for them to do it.

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: EQUIFAX, INC.
State: GA
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:
To Whom It May Concern : I have recently been informed that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. 



XXXX XXXX {$1000.00} Balance updated XX/XX/2021 XXXX. XXXX, XXXX {$2300.00} XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX  {$970.00} There are no contracts, no valid claim ... accounts were settled with original creditors, never late or went into collections Grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: JPMORGAN CHASE & CO.
State: TN
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:
My chase credit card was stolen on XX/XX/2020 and used in person ( actual physical chip ) at XXXX near my house to purchase two prepaid visa gift cards. The transaction was not flagged as suspicious despite this not being a typical charge I would make, my card not being signed on the back, and a tall white male using the card whilst I am a female. It is my belief that the card was returned to my possession so as not to alert me that it had been stolen. This tactic worked, because I was none the wiser and used the card several times after this fraudulent transaction. I noticed the charge on my mobile banking app a few days later, and immediately called Chase to report it. I thought at the time, that it had been hacked. They refunded the amount and I thought the case was closed. About one month later, the charge was re-billed. I contacted chase card services and was told that an investigation revealed that it was not fraudulent. I then contacted the merchant through which the charge was made, and they pulled video footage from the date and time the purchase was made. A person who is not me was clearly seen making this transaction. I called the police at that time and made a formal report claiming that my card was used without my consent by this person. I then told the police that I suspected it was a local man with which I had gone to high school with and had known criminal history. The detective assigned to the case informed me that he shared my suspicions and that this person would be charged with theft and identity theft. Chase card services has been nothing but rude and ruthless in their denials of my fraud claims, ultimately ruling five times that this credit card transaction was NOT fraudulent and I am responsible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2020 I authorized XXXX XXXX to charge my business debit Visa card for a purchase which was never filled. I waited weeks before giving up with the vendor and then contacted Bank of America to start a dispute. Dispute was opened first week of XXXX and was told a provisional credit would given while they investigate especially since I supplied proof of tracking info and that package never left there store. Few days go buy no credit, so j call then Im told that they would issue credit but I would have to wait 30-45 days for investigation to take place. 45 days come and I call and they say need to wait 60 days because Merchany hadnt responded. 60 days was on XXXX I called and they said that credit should be issued soon, few more days go by I call and now Im being told it was 90days to complete investigation new date is XXXX. I call on XXXX and they tell me it should have taken place just waiting on visa to reverse the transaction. BofA would follow up with me by the end of bussiness that day. I never got a call or email. I call again and after 2 hours on the phone i get someone that can look up claim and tell me that all the other reps misinformed me and that there is no time fram and that we just have to wait for the merchant to make decision on there end or respond to dispute. So hypothetically rep said it could take another few months or years. No guarantee even no Im the victim and have proof

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 monetary relief
Consumer complaint received 2021-11-06
Company: EQUIFAX, 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:
To Whom It May Concern : I have recently been informed that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. F.C.R.A. violation, removed and re-inserted and did not inform me. 

XXXX XXXX Reported : XX/XX/XXXX There are no contracts, no valid claim... account was settled with original creditor, never late or went into collections Grave errorsfalse claims and reportingI want this account removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The employment data reported on my XXXX, Experian and XXXX XXXX credit report is inaccurate. I want the following accurate information reported and listed on my XXXX, Experian and XXXX XXXX credit report : Employer Name : XXXX XXXX XXXX, Position : XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, Position : XXXX XXXX XXXX ( XXXX  ), Salary : {$300000.00}.

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 2020-11-12
Company: JPMORGAN CHASE & CO.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In XXXX of 2020, I contacted Chase Bank XXXX XXXX XXXX to get assistance with the deferment of my lease payment. At that time, I explained that my husband was unable to work due to XXXX causing loss of his entire income. I requested assistance and was advised that two of my payments would be deferred. At that time my payments with the lease were current. I entered into the deferment. However later in the year, I began to receive collection calls from Chase Bank. At this time, they alleged that my lease payment was behind. I explained that this couldn't be correct because I entered into a deferment due to the pandemic ( a natural disaster ) due to a loss of income as a result of XXXX. I was then told that because my lease was behind for the month of XXXX and XXXX, the deferment was applied to those months. I quickly retorted that this is impossible. Even of this is the case, why wasn't I told prior to entering into the deferment to allow me the ability to remedy this? 

I was then advised to prevent further collection activities and possible repossession of the vehicle, I would need to turn the vehicle in. This took place in XXXX. Yet, Chase reported the car as a " repossession '' on my credit report. I quickly called them and reminded them of what was promised and demanded that they remove this notation from their internal system as well as from any credit agencies if such had been reported. While they corrected that part, they are still reporting the months of XXXX and XXXX as " 30 days late '' when I was told lease was allegedly behind for the months of XXXX and XXXX. I never heard of any late payments until this time by phone or in writing. None of my contact information has changed since opening this account. It is unclear why I was never notified of the alleged payments that were " not made '' according to XXXX. 

At this time, because of the vast amount of conflicting, misleading, and misinformation given by each representative, it is unclear if ANY of this information is correct. This entire experience of incompetence has caused great financial harm to my family as well as my credit scores and my ability to be extended credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Eight weeks ago I returned my XXXX BMW 328i car to BMW financial services for the end of lease. I had to pay {$8600.00} in excess mileage charges since the mileage on the lease was over 40,000 over the maximum allowed miles. ( BMW lease # XXXX ). 

I also own a XXXX BMW X3 which I purchased new, and used to drive to work every day. I average over 30,000 miles per year. 

I did not drive the XXXX BMW since last XXXX due to the fact that there were three unresolved recalls on this X3 which I thought would make it dangerous to drive 120 highway miles every day to work with another passenger in the car. Additionally, this model car had unreliable transfer gear box parts which made it even more dangerous to drive.As a result, I drove over 30,000 extra miles on the XXXX BMW 328i during XXXX and incurred over {$8000.00} fees in excess mileage. 

I request that BMW refund me the {$8600.00} in excess mileage fees that I paid to BMW Financial services due to the amount of time it took BMW to resolve these recall issues, making it dangerous to drive the X3.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My XXXX Visa credit card account should not have a balance of {$3900.00}. Thats a incorrect balance. I should have a recent balance of {$0.00}. Please delete and permanently block the balance reported on my XXXX Visa credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: EQUIFAX, INC.
State: TX
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 Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. I sent XXXX XXXX, Equifax and XXXX all my FTC report back on XX/XX/XXXX and havent received any response Under the FRCA they had to block information from my CONSUMER report and FAILED TO DO SO within the 4 days of receiving my letter. I have over 30 INQUIRIES WHICH I DID NOT Commit nor gave my authorization so they are unauthorize!

Company response to consumer: Closed with explanation