BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-02
Company: JPMORGAN CHASE & CO.
State: TN
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 recently noticed an inquiry on my credit profile from JPMCB. Ive never applied for anything with them. Ive contacted the company directly 4 times asking them to remove this inquiry but they just give me the run around. Theyre not able to verify that I applied. I asked them to provide the IP address for the computer/mobile device used the day of the alleged inquiry from me and they were unable to provide one.

Remove this erroneous inquiry from the credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: FC HoldCo LLC
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Flagship Credit Acceptance did not adhere to my requested invoice/remedies. I resent documentation giving them an opportunity to cure this invoice yet again. I am federally protected consumer and Flagship Credit Acceptance has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 we received a Fraud Alert email from Citibank stating that they noticed suspicious activity on our Debit Card. I immediately called and learned they were alerted to three simultaneous ATM withdrawals from our bank account, in the amounts of {$85.00}, {$85.00} and {$84.00}. All were made at a XXXX XXXX XXXX XXXX, in XXXX California on XX/XX/2022, at the same time. 

I informed the Citi fraud representative that the ATM charges were NOT made by us ( my wife is a joint account holder ) and we had not been to XXXX CA. Its 75 miles from our home. After 41 minutes of answering their questions they said they would investigate our claim and assigned case Number XXXX. 

On XX/XX/XXXX we received an email from Citi that our fraud claim was declined. They said it was declined because we had possession of our cards, which is true. The cards have never been out of our sight for any reason. 

I insisted on appealing their denial of our case and asked for clarification as to why our fraud claim was declined. The Citi fraud representative told me all we could do is refile our claim. So we refiled a new claim on XX/XX/XXXX, case Number XXXX with the same information as the first claim. 

We have been customers of Citi for 26 years in good standing. We take pride in our perfect credit history and are on very solid financial grounds. We would not create fictitious fraud claims for any reason. 

Citibank is not taking us seriously when we give them our assurance that we did not make the three charges at the XXXX XXXXXXXX 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 2018-09-04
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have written this company on multiple occasions asking them to validate this debt and they have not done so, I have reached out to the credit reporting agencies with proof that this debt has not been validated even at my request with certified proof of receipt, this company is reporting that I have an account with them in the amount of a XXXX dollar credit limit which I have never signed a contract with them for any account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11
Company: AFNI INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have repeatedly tried to contact AFNI, INC to no avail. It is putting a derogatory mark on my XXXX, XXXX and XXXX  credit reports. This account is hurting my ability to apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 have tried getting this issue with TransUnion resolved since XX/XX/18. As a result of TransUnion completely ignoring my dispute I have gone to the FTC regarding the fraudulent collection account reporting on my credit file belonging to XXXX XXXX XXXX XXXX partial account number XXXX, TransUnion blocked the last four numbers of this account. This is my official Identity Theft Report for TransUnion. I have attached all required documents to this complaint that the FTC states. The included documents are as follows. Identity Theft Report, Drivers License, Social Security Card, Proof of Residency, FCRA 605B and, TransUnion Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: SUNTRUST BANKS, INC.
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/18 my renter ( who generally pays by money transfer ) transferred XXXX into my checking account at SunTrust Bank. However, instead of the money being deposited into my account, it was withdrawn from my account and deposited into the renter 's account, leaving me with a negative balance. I called the bank to fix this issue and they said I will have to pay a {$36.00} bounced check fee. This is the bank 's mistake and not mine. How my renter ( who has no legal access to remove money from my account ) was able to withdraw money from my account is a huge concern.

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 2018-05-02
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This concern is regarding First Federal Credit Control. This past month there was a request- formal and written requesting a validation of debt- certified. There has been no validation of debt provided to me and in addition I have received threats from them that they will call the police on me, this is a clear violation. This is all regarding an alleged debt that I do not have any validation of. While I still do not have validation of debt, this still remains on my credit report. It should be off my report as this is another clear violation. Please assist me in rectifying this as I feel threatened First Federal Credit Control. 
Company- First Federal Credit Control XXXX XXXX XXXX # XXXX XXXX OH XXXX Account XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Credit Karma, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX Credit Karma advanced refund lie. 

Used XXXX to do my taxes for 2021. They claim credit Karma can give an advance of up to {$1000.00} for your tax refund after a few hours of your refund being accepted by the irs. They have this advance plastered everywhere but once you sign up it disappears and there is no help in regards to credit karma and the advance. Credit karma simply mislead me into believing that I code get a refund advance and have it within 24 hrs if not a few hours.

No customer service no response or reply from credit karma. I found a comment section that had hundreds of complaints about this same situation happening to others. Having someone sign up to use your app just to not have the one thing the user wanted available is totally misleading. I would have never opened up an account with credit karma if I knew they were like this. Now I have to wait until my refund arrives and hopefully they wont freeze my account ( horror stories Ive read online ) so I can transfer my funds out of there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: EQUIFAX, INC.
State: HI
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with  my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I disputed information stating XXXX XXXX XXXX XXXX processed charge off payments in XXXX - XX/XX/XXXX. I sent documentation to Experian and the other reporting agencies that the total amount of the loan was paid in XXXX. It was a voluntary surrender of the RV, it was sold at auction and I paid the balance of {$39000.00}. XXXX XXXX XXXX XXXX erroneously reported that I had a balance and I fought it through a private consumer credit agency. XXXX XXXX XXXX XXXX closed the balance when realizing their error ; however, reported as charge off in XXXX which has plummeted my credit scores. I did everything right and am still be punished in XXXX after loan was paid off in XXXX. I want my credit history with this account accurately reported to all the agencies.

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 2018-09-04
Company: SUNTRUST BANKS, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Recently the company ( Suntrust Mortgage ) changed the format of the web site that I use to manage my mortgage payments to them. The explanation that was provided to me for the change was that Suntrust Mortgage was converting to being a bank. From my standpoint the modification of the website to facilitate this change led me to make several calls to customer service for help in accessing the site to make my payment on line.While talking to the customer service reps one of them revealed that she was in the XXXX serving as a customer service rep for Suntrust Bank.This is very troubling to me in that every time you speak with one of these people they request ID verification Name, address, Soc Sec #, and responses to security questions regarding my past employment history and past addresses.I have been the victim of several thefts of my identity from data bases of companies and govt agencies that claimed they were hacked into by foreign operatives.So how secure is my personal data with Suntrust Bank 's customer service reps in the XXXX.Why does our govt allow american business 's to do this.This is my complaint : Suntrust Bank is putting me at great financial risk by putting my ID information in the hands of non-citizens that aren't even located in this country

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 2020-09-19
Company: Rocket Mortgage, LLC
State: GA
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:
On XX/XX/2020, XXXX XXXX from Quicken Loans pulled my credit without my permission. Now it is on my credit report as a hard inquiry, and I wish for it to be removed. Furthermore, XXXX XXXX should be investigated for possible fraud or identity theft since his actions were against the law. 

Here 's his information : XXXX XXXX Quicken Loans Phone : ( XXXX ) XXXX NMLS # XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
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:
I file a dispute with Equifax, XXXX, and XXXX. None of the accounts disputed had accurate information and by law was not reporting correctly! This has ruined my life and affected my chances of getting a mortgage and becoming a home owner! Equifax Expesally broke the law by updating information that's false and they sent me a letter dated XX/XX/XXXX before they updated information which negatively affected my score stating that the disputes I sent in were " illegible '' And that items were too small to see! If my dispute was " illegible '' Why and how was my report updated correctly and accurately! this makes no sense why Equifax will break the law in this manner! I am in emotional duress and victimized by Equifax and the other company 's action in reporting accurately on my report. Reviewing the Credit file Equifax and other companies sent via mail dated XX/XX/XXXX, I saw That the " balance '' and " amount past due '' are dead wrong and are being reported falsely every single month on every account I disputed and this is criminal under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A )! Also under Section 611 ( 5 ) ( A ) of the FCRA Equifax and these other companies are required to promptly DELETE all information which can not be verified accurately, But these deletions were not done at all! If the disputed documents I sent was " illegible '' How and who verified the accuracy of my accounts under the law? A criminal act was done to me and I seek justice and correction as the law states clearly under the FCRA as soon as possible! Also please be advised this is my second time disputing this inaccurate information taking up my time and money to do so with no accurate resolution in regards to the law. Also, I never dispute if the account was mine I asked them to see if it was actually reporting on my report! The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance XXXX Section 617 ) if they fail to comply. Also, reviewing the report, Remove the hard inquires that I did not do or allowed which are " XXXX XXXX XXXX XXXX and " XXXX XXXX XXXX. Also, I sent a letter of opt-out the us department of education so legally can not share the info with any third-party company! All mentioned documents will be sent in for recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started the refinance process with Wells Fargo on XX/XX/XXXX. The loan is currently with Wells Fargo and has been with Wells Fargo since XXXX when the home was initially purchased.. The equity in the home is about {$550000.00}. I was refinancing for a lower interest rate without any cash being taken from the equity. I submitted all W-2s, paystubs, and tax documents that were requested and required on XX/XX/XXXX and XX/XX/XXXX. Wells Fargo pulled the credit report on XX/XX/XXXX. At that time our credit scores were XXXX each. Wells Fargo informed me that an appraisal would be needed. I questioned the need for the appraisal since they had the existing loan and knew that the equity in the home was greater than the outstanding loan. However, they insisted the appraisal was required. Again the loan process started on XX/XX/XXXX and all required documents were submitted within the first two days. The appraisal which cost me {$500.00} upfront was completed on XX/XX/XXXX, and I was contacted by Wells Fargo on XX/XX/XXXX that the appraisal value had been submitted to them. The appraisal was inline with the value I had given to Wells Fargo initially when completing the loan. After the appraisal the communication with Wells Fargo was sporadic. I spoke to the loan processor in on XX/XX/XXXX and was informed that there were underwriting concerns regarding income to debt. The income to debt information was available on XX/XX/XXXX and XX/XX/XXXX when the information was submitted via the loan application process. Nothing was going to change after that. On XX/XX/XXXX. I sent an email to get the status of the loan process. I received a response that underwriting did not approve the loan. I informed the processor that I had not received any documentation or communication from Wells Fargo regarding the loan declination and requested a copy of the letter. On XX/XX/XXXX I was informed that I would receive the declination letter from Wells Fargo. As of XX/XX/XXXX, I have not received any documentation from Wells Fargo regarding the loan and why it was not approved. I have since refinanced and closed with a different company and incurred and additional {$600.00} appraisal expense.

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 2023-07-08
Company: Experian Information Solutions Inc.
State: NV
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX  XXXX Balance : {$480.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX : {$480.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$480.00} XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX XXXX : {$8200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$8200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$5000.00} ( Original Creditor : XXXX XXXX XXXX XXXX : {$220.00} XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023

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 2018-09-04
Company: Experian Information Solutions Inc.
State: IN
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 opened a dispute with an item on my credit report through Experian. They came back stating that the report information is true. I previously paid this to a debt collector for a lesser amount than what shows on the report. The other two reporting agencies have already recognized this and have since removed from my report. Experian is the only one trying to keep this on my file. My dispute number with Experian is as follows. XXXX Experian should be able to find this informantion using that number and all the details.

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 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
The late payments need to be deleted from my account as they are not valid or legal. The errors were made by XXXX XXXX and Capital One failing to notify me in advance that Capital One refused to honor the XXXX XXXX  program. The contract indicating the credit card payments and accounts were transferred to a third-party company. Additionally, Capital One customer service advised me to file a dispute and the late payments would be removed from my credit. This has still not happened and needs to be corrected immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20
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:
Ive had fraudulent activity on my credit report. Ive already file a complaint and had names and addresses removed from my report. I never applied for this card. Equifax, XXXX and XXXX are still violating my rights by reporting fraudulent inaccurate information on my credit report. I have never applied for a card with XXXX XXXX XXXX

Company response to consumer: Closed with explanation