BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
Company: EQUIFAX, 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:
I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} DateOpened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Experian Information Solutions Inc.
State: NJ
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:
On or about XX/XX/2019, I contacted Experian through the automated system in which they have. The system provided me a confirmation number and informed me that my credit report would be sent to me. Note that at the same time, I requested a report from both XXXX and XXXX, both reports have already been received. 

Obviously, Experian is slow and dysfunctional.

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 2019-11-07
Company: SUNTRUST BANKS, INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
I deposited to my business account an IRS refund check dated XX/XX/2018 upon which I hold Power of Attorney. The check for the amount of {$5100.00} posted to my account XXXX on XX/XX/2018 and upon its clearance has since sat in my account blocked from my use! I have called the SunTrust Bank repeatedly and was told that my funds can not be released and that SunTrust Bank has the right to hold on to my funds and have yet to explain when I will have my funds released. It has now been ( 1 ) years since I deposited the check and I do not have an explanation from there representatives as to what they intend to do with my deposit. I am asking for assistance from the CFPB to get to the bottom of this and extend direction as to my legal rights regarding the loss ; hardship and punitive damage this bank institution has caused me and my business. 
I request the SunTrust Bank request my supporting document the POA via their internal portal or email.

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 2023-02-16
Company: Experian Information Solutions Inc.
State: WA
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 USC1618 Account name XXXX XXXX # XXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX XXXXXXXX # XXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXXAccount name # 15 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 section 602 A : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crime which antedates the report by more then seven year.

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 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 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX  XXXX/XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$4500.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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 2019-11-07
Company: CARD Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I lost my card so I cancelled it so no one could use it. I then realised the address on my card was not my updated address so therefore I changed my address on the app. And when I called card.com to see where my card was they told me that I needed to verify my address change, I said ok no problem. I sent over at least 10 emails to the email provided with everything that was asked such as pay stubs ID with by the way the same address that I'm currently residing because thats my address, you can probably see how horrible this is. Each time I sent my documents next day I got an email saying they cant verify a very clear photo of my documentations. This is very poor customer service as I have 70 dollars on my account that I can not use because they decided be terrible anyways this has been going on for about 3 weeks now They need to be held accountable for this. Again this is card.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: VA
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Access Credit Management, Inc.
State: TX
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 ACCESS CREDIT MANAGEMENT XXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CPE Group Inc. sent me a bill for {$250.00} to collect for XXXX. I Called Customer Service that I never had any outstanding balance with XXXX. I told CBE Customer Service that this is not how XXXX works. XXXX sets up Checking Account with XXXX and this is the only way to buy or sell any products. I called XXXX on XX/XX/XXXX and they told me that I do not have any outstanding balance or if they sent this to collection with CBE Group. CBE setup a account # XXXX which they said that I owe them {$250.00} for collection. They said that I could pay balance in full or make payments. Also they said if I do not respond within 30 days by mail or by calling collections that they would send this collection to Credit Companies. CBE  Group had a Payment Processing Center, XXXX. XXXX XXXX, XXXX, IA XXXX to send money too. The Customer Service # XXXX to talk to billing dept. This Company is a Scammer, which is trying to collect money for Collections with CBE Group. They are doing this to other people and saying they owe money for collections for XXXX or for other Companies. If you need a copy of the bill I got from CBE Group, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX is listed on my credit report. My loans have been consolidated with XXXX XXXX since XX/XX/2014.

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 2023-02-12
Company: Experian Information Solutions 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:
I am a victim of identity theft. XXXX, XXXX and XXXX XXXXXXXX XXXX and XXXX have fraudulent accounts on my profile that need to be removed 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 2019-05-08
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX New jersey Okay my experience with XXXX the salesman was XX/XX/XXXX. However be careful when when making deals here. They give the lowest trade value compared to anywhere. I bought a brand new XXXX cherokee. I drove off the lot traded in my car the same day. I didnt like the car after doing my daily routine one day later. I came back two later they didnt want to take return so I did a traded it in. Car lost 25 % of its value. Only about 100 miles or so. I understand that. However they didnt help with the big amount of money I gave them with my trade in. So I lost another XXXX $ getting into the other car that I still wasnt satisfied with. Which left me with an equity of {$3000.00} toward this car. Now thats stealership. I just want everyone else to be careful with what you do cause theres no going back once you sign those papers and whats gone is gone and it sucks i just handed these guys XXXX XXXX Lesson learned. Also theyll lie there giving more for your trade but all theyll do is use these random rebates to get the car price down. So you fall for it. You wont find out until the last paper you have to sign. Which is the 20 long legal paper in pink

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
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: Their investigation did not fix an error on your report

Complaint:
I've have reached out to Equifax at 8 times to rectify an error reporting g in my credit report ... 
My last attempt was yesterday XX/XX/19 The credit bureau block me from disputing online and over the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: AMERICAN HONDA FINANCE CORP
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 information incorrect

Complaint:
I was unable to make my XX/XX/2019 car payment to Honda financial so I called to inform them. I was told that I could skip a month and put it at the end of my payments because I had a good credit history with them. I asked if this would affect my credit history the gentleman that helped me said, certainly not this was a courtesy to help me. 
My XX/XX/XXXX payment was paid but later found out through my credit report that I was late with my XX/XX/XXXX payment and Honda skipped XX/XX/XXXX payment. That was not the arrangement I initially made. I would like this taken off my credit report because it is affecting my score and I have worked very hard to diligently make my car payments on time and have been successful at it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: Credit Karma, LLC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
My account was charged for transactions that were refunded by the merchant. XXXX attempted to refund my account on the following days for the amounts posted below. My bank then sent these funds back to XXXX as a card purchases. I opened disputes with my bank and had XXXX confirm the errors and the bank closed the disputes without rewarding me the funds. 
XX/XX/XXXX - XXXX sent back XX/XX/XXXX XX/XX/XXXX - XXXX sent back XX/XX/XXXX XX/XX/XXXX - XXXX sent back XX/XX/XXXX XX/XX/XXXX XXXX. 
For a total of {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX has recorded that i still owe XXXX XXXX a truck loan {$5700.00}. i have written confirmation from transunion and XXXX XXXX that it is now a XXXX  balance. i contacted XXXX XXXX in writing in XXXX with all of my documents and i have not been able to get an answer and it is still there on the report. Says that it was last reported on XX/XX/2019 and i paid it off XX/XX/2019 so that's not right either. I had hoped the loan would show paid on XXXX XXXX website by the end of the month, but it is still there. Both XXXX XXXX and transunion state they have reported the account is paid off and in good standing and the problem is with XXXX XXXX. any help with this would be appreciated. thank you

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 2019-11-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is my I can't complain regarding Chase Mortgage servicer. my first complain number XXXX XXXX - XXXX Why is closed by Consumer Financial Protection Bureau with a letter that was sent out by Chase denial off the wrongdoing to my monthly payment. as of XX/XX/XXXX Chase is still in violation a fair debt collecting Act, Fair Credit Reporting Act, wrongful foreclosure, and transferring my loan to XXXX XXXX XXXX   with incorrect information stop my taxes and loan history. 

I received a letter from chased which I am including as a PDF with this complaint Chase did not fixed my property taxes according to XXXX County. 
I am including my new tax bill which is based on property value of {$790000.00} please look at my build that clearly states my property value is {$790000.00} Letter Dated XX/XX/XXXX send by Chase respond to my complain with the Consumer Protection Bureau clearly states that my property value as the date they send the letter is {$1000.00}, XXXX NOT {$790000.00} I have paid my mortgage on time since XX/XX/XXXX never missed a payment because of Chase negligence and unfair debt collection my credit score dropped 300 points and Chase servicer refused to take my payments of {$4000.00} as of XX/XX/XXXX. I am facing foreclosure because of Chase negligence. the new servicer has received incorrect information from Chase transport in XX/XX/XXXX. Chase 's liable for damages to me financially and I'm very much mentally stressed because of the situation it is hard to function on daily basis and it is giving me sleepless nights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: EQUIFAX, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
On XX/XX/2019, I called XXXX XXXX XXXX XXXX at XXXX at XXXX XXXX to get my free annual credit report from Equifax . I was assured that such report would be delivered to my home address within 15 days. To date ( XX/XX/2019 ), I did not receive such report. I am entitled to get a free report once a year from Equifax. I urge you to contact Equifax on my behalf and compel them to release my credit report. 
Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-09
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX and my idenity was compromised while serving in the United States Military. The following student loan account were fraudulently opened in my name and are reporting as closed accounts on my Experian credit file. I am requesting that the items below be removed from my credit report. 

1. The XXXX / XXXX -> Account # XXXX 2. XXXX XXXX XXXX Account # XXXX 3. US Dept Of ED / 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 non-monetary relief
Consumer complaint received 2021-01-25
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
1. Due to illness, PenFed {$5000.00} check was stale when went to deposit at bank.

2. Returned voided PenFed check to PenFed.

3. Have not received credit for unused PenFed check.

4. Moneys not deposited to my PenFed Account ( s ).

5. Been billed for never deposited money to my PenFed Account ( s ) 6. No more money in my PenFed Account ( s ).

7. Now, PenFed threatens to ruin my credit rating.

8. Have not been able to speak to a live person!!!

9. Am XXXX  year old veteran. 
10. Will see oncolgist tomorrow to determine if I need a new XXXX XXXX or another 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 2019-05-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the Chase Southwest Airlines visa card while on a SWA flight. 
My credit is frozen and I expected to have to unfreeze my credit report at one of the 3 credit bureaus. 
I waited for the letter from Chase asking me to unfreeze my credit. 
I received a letter at my home address dated XX/XX/2019 from Chase asking me to unfreeze my credit with XXXX. This letter listed reference number : XXXX I unfroze my credit with XXXX  on XX/XX/2019 and called Chase at XXXX Chase refused to send text verification to both of my phone numbers. 
1. My work phone which is not in my name but my company name. 
2. My home phone which was ported from an XXXX to XXXX XXXX last year. 

I received a 2nd letter at my home address ( same reference number ) dated XX/XX/2019. 
This letter was from their fraud prevention services and stated that my application was declined because they could not verify my information. 
On XX/XX/2019 I called fraud prevention services at XXXX but was not given any additional reason for the declined application. 
Chase is discriminating against users of non-traditional telephone services such as XXXX XXXX. 
My credit score is above 800 and I should not have been denied this credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: CITIBANK, N.A.
State: MD
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:
Booked a reservation for 2 bedrooms at XXXX # XXXX, location at XXXX XXXX. Merchant description was Travel, and merchant ID # XXXX, authorization code # XXXX. Authorization date XX/XX/2019, authorization through XXXX. XXXX code XXXX The amount they charged the credit card is {$230.00}. Name of the hotel is XXXX XXXX PHONE XXXX, ADDRESS IS XXXX XXXX XXXX  XXXX XXXX XXXX. The booking reservation date was XX/XX/2019. 

Cancellation was done on the XX/XX/2019. time XXXX XXXX. I spoke with front desk officer name XXXX. 
The cancellation confirmation and tracking number # 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