BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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:
The accounts and inquiries below are all fraudulent and do not belong to me. Please remove them from my credit report. I have included the identity theft report as well. Please also update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I don't have any other addresses. 

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 Please delete this address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please removed these fraud Inquiries below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-01-24
Company: EQUIFAX, INC.
State: DC
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:
I AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My consumer rights are being violated by TransUnion, with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance .I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I )  and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. 


I have uploaded my letter. To show proof, that I have mailed this letter to TransUnion. 
My rights have been violated by Transunion in there ability to report inaccurate information on my credit file. I have asked to please, show me how and where is this information is coming from that it can be reported inaccurate?

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 2018-12-27
Company: JPMORGAN CHASE & CO.
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: Problem with rewards from credit card

Complaint:
Opened Chase Southwest Business Card in XX/XX/XXXX - per agreement, spend {$3000.00} in first 3 months, and receive XXXX bonus points. Spent {$3000.00} by first statement closing date of XX/XX/XXXX. Rewards of XXXX points issued to Rapid Rewards account for dollars spent but XXXX bonus did NOT. Contacted Chase on XX/XX/XXXX who said account shows note of " XX/XX/XXXX - Externally earned rewards XXXX points ''. Chase said to contact Southwest and let them know. Contacted Southwest rep on XX/XX/XXXX said they need Chase to transfer points. Contacted XXXX  ( account supervisor ) at Chase on XX/XX/XXXX who conveniently said there is nothing Chase can do to issue the points and they will show in XXXX. I informed all parties ( Chase and Southwest ) that the entire reason for opening the account and spending that amount was to earn the bonus rewards that would count for my XXXX companion pass ( per the terms of agreement - all points earned in XXXX count and the account services at Chase when I contacted them about opening the account and chose a closing statement date ). Southwest is saying points have to be expedited on transfer from Chase. Chase is saying there is nothing they can or will do and it will show in XXXX thus voiding my companion pass rights for XXXX. Without these points, I do not qualify for my companion pass and it seems someone is playing a game trying to keep consumers from obtaining this pass when they have rightfully earned it based on earning the necessary points in the calendar year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions 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: Report provided to employer without your written authorization

Complaint:
This inquiry was never authorized by me. Delete immediately

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 2019-08-18
Company: Americas Car-Mart, Inc.
State: AR
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:
I purchased a car through Car Mart in XXXX, Arkansas.  I have made all my payments on time, and paid off over $XXXX, and only owed $XXXX as my payoff amount.  The car kept having mechanical issues I literally could not ever afford to pay for, and their policy is that they do not have to consider mechanical issues.  I told them I could not afford the second payment in XX/XX/2019 due to spending $XXXX on repairs, and still needing more.  XXXX from the XXXX   office, informed me that if I was not going to be able to make the payment ($XXXX), they could repossess it. I told them it was broken down in Tennessee and if they wanted to go get it, go ahead because I can not afford to tow it back home.  They went and got the car, and sent me a letter stating that they were going to sell it after XX/XX/2019, and that I WOULD NOT OWE ANYTHING after the sell of the vehicle.  A few months before this all happened, the finance company I worked for turned XXXX, the manager of CarMart, over to a collections agency for consulting our company did for them. XXXX   called and cussed me out saying they are going to take my car and suing me because I let them turn her over to collections. After she got mad, my entire account status changed, she even changed my payment dates and didnt tell me, which made a whole issue of late payments that took a week to resolve...and now they are reporting it as a repossession, with all these late payments that never happened, misreporting my entire account and saying I owe them money now.  I have the letter they sent to prove what they said, as well as proof that XXXX has a collection account with our company and a personal vendetta.  I have made the CarMart  corporate office aware of the issues, even before I missed a payment. They always say they will take care of it and never did....resulting in this.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
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 have contacted Transunion and spoke to a supervisor name XXXX XXXX. I explained that I contacted XXXX XXXX and wrote letter several times disputing the numerous inquires on my Transunion credit report. XXXX did not respond as I think someone was trying to defraud me. I put a freeze on my Transunion to account to protect my identity. The Transunion reps were extremely disrespectful, as they told me they dont believe this can happen after one year. I am requesting assistance in having these fraudulent inquiries removed

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 2021-08-11
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Amsher Collection Services, Inc.
State: MS
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account was created fraudulent l dont live in XXXX XXXX Texas l been living in XXXX XXXX XXXX XXXX my life and my residence is at XXXX XXXX XXXX, XXXX XXXX l been living here for XXXX  years and whomever got my information also have an apartment in my name as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: Federated Law Group
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
4 different collection companies sent demand notice ( " FEDERATED LAW GROUP, XXXX XXXX, XXXX XXXX AND XXXX XXXX '' ) for same debt that's not mine AND VIOLATES " FCBA AND FDCPA '' ... FRAUD AFFIDAVIT FILED WITH ALL " CRA ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I had an account with XXXX/XXXX. My account was sold to XXXX XXXX XXXX in XX/XX/XXXX. But on my XXXX   report it shows that I made two payments directly to XXXX XXXX XXXX and in XXXX of XXXX. Then shows I owe late payments to XXXX in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Its not possible for me to owe them late payments if they already sold the debt to a debt collection agency ( XXXX XXXX XXXX ) in XXXX. It is illegal for a company to accept payment from a consumer if they already sold the debt to a debt collection company. My consumer rights was also violated again. ( But my XXXX  account shows that XXXX reported payments made from XXXX. Then reported late payments XXXX. Then more payments being made from XXXX. These are all reported after the account was sold to XXXX XXXX in XXXX, which goes against my consumer rights. ) Also, the account wasnt reported charged off until XX/XX/XXXX. I mailed a letter to all three credit bureaus and XXXX/XXXX   but all they did was make a dispute comment and dropped my score even more. I feel helpless and powerless because every time I reach out they update the data and hurt my score. All the credit bureaus do is verify that it is mine, but they arent protecting my consumer rights and looking deeply into 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 2020-02-08
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Am. Express Personal savings sent a letter to inform me that a deposit account was opened in my name at American Express National a Bank. It was opened without my authorization. As a result, Am Express closed this account. My account # ends with h XXXX. I was informed by Am Express that the applicant had access to my name, address & Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX XXXX, OH XXXX Tried to refi and the made it very difficult and used my race to determine the rate along with I gave them every document they asked for. I have never been late on the mortgage over ten years. I finally told the to cancel it bc of the harassment from everyone that contacted me. 

Spoke to many people over a XXXX refi. 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - lost her number bc she called so much

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 2020-10-24
Company: EQUIFAX, INC.
State: NJ
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've contacted Equifax on numerous occasions in regards to fraudulent/unauthorized inquiries and in response I was told a fraud report would need to be provided. The report has since been provided, I also confirmed that it was received via telephone by a Equifax customer representative. I just received a letter in the mail today saying that they would not be removed due to " XXXX XXXX ''! This is absurd! Ive submitted every thing I need to submit I've also added the fraud alert as requested by them and these inquiries need to be removed expeditiously! I feel like this credit bureau needs to be investigated! They aren't responding to disputes in a timely matter also! XXXX Inquiries listed below needs to be removed. 


*XXXX  XXXX - XX/XX/XXXX *XXXX XXXX - XX/XX/XXXX *XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX/XXXX- XX/XX/XXXX *XXXX XXXX - XX/XX/XXXX *XXXX XXXX- XX/XX/XXXX * XXXX XXXX- XX/XX/XXXX *XXXX/XXXX  - XX/XX/XXXX *XXXX - XX/XX/XXXX *XXXX XXXX- XX/XX/XXXX *XXXX  XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Experian Information Solutions 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 Accounts below have 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 States a consumer reporting agency can not furnish an account without my written instructions. 
Account # XXXX... 
Account # XXXX... 
Account # XXXX Account # XXXX Account # 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 2020-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went to XXXX XXXX in XXXX, FL ( XXXX XXXX XXXX XXXX ) to buy a car. When I came into the store I had already applied doe a loan with XXXX with a remarkable rate. Because of this I did not want my credit run with XXXX XXXX. The sales associate asked several times if he could run my credit to search for better deals, and that it would be a soft pull. I explained that I did not want my credit pulled because I was already frustrated with the i professionalism of my car buying experience. Although I specifically asked for my credit not to be run, the associate ran my credit with 4 different companies and they were all hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX  XX/XX/2023, My Wells Fargo checking account had an illegal Fraudulent Wire Transfer without my knowledge or Verification and Wells Fargo allowed {$26000.00} to be fraudulently wired out of my account. My checkin and savings accounts are wiped out. Wells Fargo does not care. They say they can not stop the 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 explanation
Consumer complaint received 2020-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On XX/XX/XXXX at XXXX a.m., I called Capital One-GM Buypower Card Rewards ( XXXX XXXX XXXX ) and spoke with XXXX ( mgr. ) concerning shortchange in earned GM Buypower Rewards per advertising ( " 5 % earnings on first {$5000.00} in purchases every year, then 2 % unlimited earnings on purchases after that '' ). 
I indicated that first purchases made and posted for the year, from XX/XX/XXXX to XX/XX/XXXX alone ( {$7100.00} total ), more than satisfied the advertised criteria ; earning the maximum rewards permitted at established initial rate of 5 % ( {$1300.00} ). 
I was told by XXXX that application of earnings at said rates are effective upon cardholders ' anniversary date ( XX/XX/XXXX ) and purchases made qualified for 2 % rate instead ( {$66.00} ). 
I informed XXXX that neither throughout buypower.com website, nor independent card product endorsement advertisements, does clear specification of aforementioned " condition '' exist to inform current or future cardholders. Lack of such, is misleading and deceptive. 
I was told if I can furnish " proof '' of said advertised wording, it MAY be considered, otherwise there is nothing that can be done. To no avail, I repeated various times that specific language is boldly advertised on their own website with nothing to the contrary. 
At XXXX a.m., with " proof '' ( buypower.com screenshots, independent advertising ) to provide, I called GM Buypower Card Rewards and spoke with XXXX. 
Upon providing my information to establish identification, XXXX proceeded to dominate call by speaking over me with redundant and evasive scripted material ; denying / preventing me from speaking or furnishing " proof '' initially demanded. Call was terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX 4 transactions came through my account.

1. {$10.00} withdrawal 2. {$30.00} withdrawal 3. {$30.00} withdrawal 4. XXXX withdrawal {$200.00} deposit. 

The bank charged me 4 overdraft fees even though there was enough to cover the ( 2 ) {$30.00} transactions and the {$10.00} transactions. I called on the phone and was refunded {$67.00} however I feel I should have only been charged for one overdraft fee. I feel that the bank is allowed to create an opportunity to charge fees that could be avoided. There was a {$200.00} deposit that was more than enough to pay the 3 transactions, but they cleared the {$480.00} transactions to absorb all of the {$200.00} and make the account negative to justify charging the last 3 transactions. The last transaction to come in that is listed in the banking app is {$480.00} ye, t it was paid first. I am so sick of this bank and this scam and this government agency continue to allow this conduct. It's a shame while people are struggling and the government is not helping people the banks are robbing the customers. I have made prior complaints about this and I am aware of many other people who bank here and are having the same issue. The bank changes the terms all the time to scam the customers. Then they have the nerve to put a limit on the number of fees that can be refunded on the account regardless of the reason. I will keep complaining until something is done about this. 


Received XXXX PMT ID XXXX  {$200.00} WEB INITIATED PAYMENT AT XXXX XXXX XXXX XXXX XXXX - {$480.00} WEB INITIATED PAYMENT AT XXXX XXXX XXXX  XXXX XXXX - {$30.00} WEB INITIATED PAYMENT XXXX XXXX XXXX XXXX  XXXX XXXX - {$30.00} Check # XXXX - {$10.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: LCO Financial Services, LLC
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2019 Blue Trust Loan Company called my job and asked to speak with my boss. The collector publicized my debt not just on this day, but on repeated voicemails on my boss phone. I would like for the harassment to stop. I prefer they no longer call my place of employment and that they do not discuss my debt with my employer.

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