BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: OH
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:
There are several inquiries on my credit report that I do not recognize. Also, there is numerous addresses and names or the spelling of my name that are reporting that I do not recognize as well. The only name and address that should be listed on my credit report it is the one below. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have contacted XXXX, Equifax and XXXX over 10 times to have them deleted so that I have a accurate credit profile but none of the credit reporting companies have respected my rights. 

XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act the following Companies listed below, has violated my rights. 

XXXX XXXXXXXX XXXX  XXXX Account # XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Date opened : XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX Date opened : XX/XX/XXXX XXXX XXXX Account # XXXX Date opened : XX/XX/XXXX XXXX  Account # XXXX Date opened : XX/XX/XXXX XXXX XXXX Account XXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX Account # XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX Date opened : XX/XX/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 a account without my written instructions. 

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16891i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-09-08
Company: CITIBANK, N.A.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company sent a statement which is not an invoice. I requested that this company send me a signed INVOICE. Nothing that this company has sent constitute as contract SIGNED between both parties as requested. AGAIN I'm asking for a signed invoice by both parties within 14 days. If that does not happen, then I will consider this debt to be fully discharged. 


Im sending Back the statements again it is not a signed invoice. 


Company also never disclosed, that I could opt out of credit reporting as well. I'm requesting that they STOP violation my privacy in reporting to the credit Bureaus.

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 2018-11-28
Company: JPMORGAN CHASE & CO.
State: NY
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:
I am having trouble dispute payment with Chase bank, they refuse to dispute invalid charges even after I submit enough proof. They keep ignoring the evidence I provided and can not give me any reasons why they only trust words from merchants. I strongly doubt their dispute process. 

Date : XX/XX/2018 amounts : {$3200.00} I booked 2 tickets from XXXX   XXXX XXXX to XXXX XXXX on XX/XX/2018 on XXXX. The booking page shows those tickets can be canceled for free within 24 hours. I am using my chase sapphire preferred credit card. 

I canceled those ticket within 24 hours on XXXX because I found better tickets from XXXX XXXX. But later, I found the charge is still on my card. I contacted XXXX, they are not able to resolve it and they suggest me to dispute those charges. 

I submitted dispute requests to JP Morgen chase bank XX/XX/2018. They contacted me later state XXXX sent them proof those tickets are non-refundable. I send the confirmation page when I book those tickets, which clearly state those tickets can be canceled for free in 24 hours in bold and green font at top of the page. 

Chase replied that there are small lines at the bottom states those tickets are not refundable. Then I contacted XXXX and XXXX confirmed that means I can cancel those ticket within 24 hours and after 24 hours non-refundable policy applies. I sent those  communication histories to chase. I also sent them the rule published by Department of Transportation which requires agent and airlines issue tickets that can be canceled within 24 hours. 

After I provided all those solid proof, XXXX XXXX from chase card service called me and still refuse to admit those tickets are cancelable in 24 hours. I asked those pieces of evidence I send does not change their mind they can not give me an answer. I also asked them what other info they need to prove my point. They can not answer. 

This whole process I went through is a huge waste of my time. They just want to use their excuse to stop the dispute regardless what I have provided. If that's their dispute process, I don't see any reason it should be their since they simply trust the merchant and ignore what customer states.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: CT
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 urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Greetings. With my knowledge or consent. A family Member used my social security and information to open an account with XXXX which they let go in collections. I did reach a settlement agreement with the collection agency. However, they still have the account showing on my credit report which is severely hurting my credit. I've contacted XXXX as well as the Credit Bureau to get the collection removed from my account but to no avail.

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 2017-09-13
Company: Equitable Acceptance Corp
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX XXXX XXXX XXXX XXXX called me about student loan forgiveness. They told me all I have to pay is a one time fee of {$1300.00} and they will wipe away my student loan. They said my payment will be {$0.00} for 242 days after that they will be wipe out all my student loan debt. They emailed me papers and I signed I had no ideal they opted me into a loan with a company called equitable acceptance. Also pretended to be me for an income driven plan that I could have done for free. So i have been paying them for a year now with an interest rate of 20 %. They did not tell me this verbally. I have no idea why I 'm paying this company from. I was scammed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Overcharged for something you did purchase with the card

Complaint:
OnXX/XX/2019weflewtoXXXXXXXXandattheairportlookingfortaxitotheportcityofXXXXXXXXtocatchacruise.Ahandleratairportexitstated{$85.00}fortheonehourtwentyminutesride,whichisinlinewithtaxiestimatesonline.Ataparkinglotwemetawomandriver,anethemanprocessedmycreditcard.Uponarrival,thewomansaidshecouldnotgivemeanyreceiptsinceshecannotprocesscreditinhercar.Oncereturnedhome,Ifoundoutwewereactuallycharged{$1400.00}fortheride.Iraisedissuewiththecreditcardcompanybutthreeweekslaterwasagaincharged{$1300.00}forthetransaction.IrequestedtoseeacopyofthereceiptsinceIdonotremembersigningone.Eventuallyitwasprovidedformewhichdidnotbearmysignature.ButtheladyatBankofAmerica(XXXX)saidaccordingtocreditcardpolicy,sincemycardwasnotstolen,Iconsentedwiththeservicerequested,andareceiptwasproduced,Ireallydonothavegroundstoprusuethematteranyfurther,despitethefactIdidnotacknowledge,agree,norsignthereceipt.

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 2023-06-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Experian Credit Bureau XXXXXXXX   to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$95.00}

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 explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things 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 stress 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 2017-09-13
Company: Servis One, Inc., Titusville, PA Branch
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Supervisor, I have asked for the servicer to provide information on the account. They ca n't seem to locate it. In the dispute is the amount owed {$78000.00} verses {$110000.00}. Because this was sold to them by XXXX XXXX XXXX XXXX. in the last two weeks. Also, we are asking for further information for Modification. A Qualified Written Request is needed to establish the exact amount owed as soon as possible because we DISPUTE the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: JPMORGAN CHASE & CO.
State: FL
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:
I did a transaction through XXXX for XXXX to buy some iphones, I never received the iphones and the seller was asking me for more money with the reason that the shipment was caught by XXXX, I realized that this was an scam and I asked them to give me my money back, I opened a claim with Chase and they put a temporary credit on my account but the seller provided them with a tracking information of a pair of shoes they sent to my address as complementary they said in the conversation. The seller erase all the chat, but I was able to save before everything that shows that I did not received the XXXX. The problems is that Chase did not allow me to add my documentation and they removed the credit they gave me back and my account is overdrawn now, I have been calling Chase and XXXX so they can give me a response of where can I send the documents that verify what i said and that I a vicitm of a scam, Between Chase and XXXX they are jumping me to one side and the other and none of them wants to give me a resolution. I am adding the whole chat conversation that I had with the seller as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
As instructed by us, Capital One debited our account on XX/XX/XXXX to pay a credit card bill. The credit card company ( also Capital One ) claims it never received the payment. One day in XXXX we were on the phone with Capital One bank for over an hour, at the end of which we were told that the debited amount would be recredited to our account. As of today ( XXXX ), this has still not happened. Meanwhile, we are getting nasty notices from the credit card company. We will pay our bill once, but not twice. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-28
Company: BANK OF THE WEST
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was XXXX in XXXX, XXXX. I had no contact with anyone outside of XXXX  because I am a Senior Citizen and really have no one anymore. Finally a woman in XXXX asked her husband to look up my old friend on XXXX. I contacted him in XXXX of XXXX and told him I needed help with my bank account and other affairs, We contacted Bank of the West by phone and found out my bank account had been hacked. I told the Bank Manager XXXX XXXX to close my account. She said she would. I got out of XXXX  in XXXX, XXXX and immediately contacted Bank of the West to find out the details of what had happened and found out they had hacked over {$10000.00} from my account through Savings. I asked the teller Feely what could be done. She said they would have to research it. Since then I went into the Bank on multiple occasions trying to find out what to do and they have drug their feet and lied to me and told me accounts have been opened in other banks and it was all lies. I contacted their corporate number and someone named XXXX XXXX contacted me in XXXX and said she was working on it and she has done nothing. I don't know what to do. What is my recourse? They told me I had to file paperwork as soon as I knew what happened but i was incarcerated. They could have sent the paperwork to me in prison when I asked her to close the account, it has an address, but they didn't. They sure threw it in my fact when I went in after I was released though. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: EQUIFAX, INC.
State: VA
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:
In XXXX of this year I mailed a letter to Equifax requesting them to conduct an investigation concerning an entry on my Equifax credit file. The account in dispute was XXXX XXXX XXXX Account # XXXX. The nature of my dispute was that this XXXX account did not belong to me. 

Today, XX/XX/2019 XXXX I called Equifax to ask about my dispute, after a 35 minute phone call, I was told that the investigation did not take place. I asked the Equifax named " XXXX '' why wasnt my dispute processed. He told me he did not know why. I then asked him why didnt I receive any notice or notification of my dispute. He again said he didnt know why. I asked him what was done on my dispute and said my personal information was verified. I said of course, because I am the one who furnished verification of identity and proof of residency etc I also want to complain that Equifax has repeated engaged in systematic retaliatory tactics. I can not order my credit score or purchase products associated with my Equifax credit file for the last several years. Equifax has punished me by exercising my rights afforded to me under federal law. I want to go record using this forum. 

I am demanding Equifax to delete associated XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was in desperate need of additional funding to sustain my quality and standard of life that I've always had which was when I chose to go to Wells Fargo, my personal bank that holds my checking account and was granted XXXX on a private student loan with variable or fixed interest on them. I chose fixed and then the semester to follow I decided I needed a second one where I was granted another {$8000.00} so XXXX dollars in two semesters. Interestingly enough on the second loan I chose variable interests and notably the adverse choice I made when deciding on the interest variable on the first loan. This alone exhibits a general lack of knowledge and understanding though I asked the questions the banker failed to properly inform me of what these actually meant as far as APR rates, percentages, how this could positively or. negatively hurt me when it comes time for repayment or anything clear of that nature. I struggled with a lack of knowledge and understanding because the teller failed to answer my persistent and notably reasonable questions someone taking out their first loan may have the banker assisting in the process.

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 2023-07-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2021-07-14
Company: CL Holdings LLC
State: FL
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: Overcharged for something you did purchase with the card

Complaint:
I am actually complaining about two agencies that I have no knowledge about. 
JEFFERSON CAPITAL SYSTEMS claims that I opened an account for {$460.00}. If I opened an account for that amount, then why was the card never used and no payments made. It wasn't until the pandemic hit is when I saw this mysteriously appear on my credit report, and I disputed it saying that I never knew about this account and I never received a bill. Next thing you know, they started sending bills to my residence until I began to send it back to the sender. That's not how that works. Thereafter, I started receiving harrasing phone calls daily non-stop. JEFFERSON CAPITAL SYSTEMS should have a record of me spending. I oppose of this and continue to fight against a lie.

Company response to consumer: Closed with explanation