BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My car got repossessed On XX/XX/XXXX and I've bin having issues with the company wellsfargo auto for almost a month an a half and even though I was behind when I got the total amount to get the car back I notice it was un accurate I asked for a transaction history and was able to notice a couple mistakes and I asked them to fix them and they only keep telling me that they have looked over it and they don't see any mistakes and that they keep adding to the quote they have given me to get the car back but I can clearly see in the copy of my transaction history that they are able to put and remove transactions and I think they just closed my case since they are unable to do anything to benefit me for how many times they look into it instead of fixing it like I've asked till today XX/XX/XXXX unless they are still looking for my two missing items and also I don't know what else to say when they keep telling me the same thing even though the information they have given to my credit bureau states about the same amount i've bin telling them and I've bin trying to get someone else to help me out with this but even a banker  agrees with me and have tried to talk to them won't do.

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 2019-02-12
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I understand that the credit bureaus are supposed to complete investigations within 30 days of their request. I requested investigations into accounts reporting inaccurate information on XX/XX/XXXX, but the bureaus have not responded yet.

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 2018-03-25
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello I have a fraud alert thats been on my credit with instructions to not allow anyone to pull my credit on the fact Ive been saving for a home. Ive seen a crazy influx of credit inquiries recently on my credit report. Ive gone through this before and now its happening again Almost all XXXX car inquiries how can they do this to me when i made sure that no one would be able to obtain credit in my name again or so I thought. How Can this happen and it looks like multiple credit app same company i want justice ... seems as few month they letting someone apply for credit and sad part we just we through this last year XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX FXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ALSO IVE REQUESTED THAT I HAVE THE AUTHORIZED USER ACCOUNTS REMOVED TO NO AVAIL IVE BEEN TERMINATED OFF THESE ACCTS XXXX {$4400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: SYNCHRONY FINANCIAL
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:
SO I got hit with an inquiry from SYNCB National Credit Cards/Airlines,  and just like some others, I was given the run around. Synchrony claims they don't own the account and that it's a known error with XXXX XXXX. XXXX XXXX tells you to contact the credit bureaus and then XXXX tells you to contact Synchrony ... .thus an infinite circle of contact ___ ( one business ) __________ who will then tell you to contact _____ ( form a another buisness ) _________. 


it is just so odd because they try and say its a glitch but really no one will give me. direct answer.

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 2017-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
hey guys i have a credit card with capital one and i have some missed payments due to me having a hardship in a change of jobs and then my house got burnt down, so i was struggling financial at the time but now i am on my feet i have missed some payments but i have now made 7 in a row payments and i will love if you guys can forgive me for some of my missed payments or all them. i have a great paying job now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
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 have a dispute with XXXX XXXX closing my account, reopening it without my knowledge, reporting this to the credit bureaus, denying they did this even though my credit report is showing that they did, covering their tracks by re-opening my account and dropping my score for no reason. 

I have a dispute with the credit bureaus, all 3 have reported my score dropping 33 points between XX/XX/2018 and XX/XX/2018 when I checked it. 
Not one of them could tell me the event that caused it. Have yet to hear back from them and it has already been 3 weeks. 
The credit bureaus are telling me to contact XXXX XXXX, XXXX XXXX is saying it is the credit bureaus fault and in the meantime I am not getting any answers from either one. 

My credit report with XXXX showed that on XX/XX/2018 XXXX XXXX did a credit inquiry without my consent or knowledge. Subsequently the very next day they closed my account without my consent or knowledge. They have since reopened it sometime later to cover up their mistake. This is the only event that could have caused my credit score to drop. 
XXXX XXXX has denied doing this and suspiciously right after I filed the initial dispute on XX/XX/XXXX, all of a sudden I can not view this information on my credit report any more.

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 2019-02-12
Company: EQUIFAX, 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:
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove this item from my credit report, an FTC and a police report had been filed, they will be attach to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove this item from my credit report, an FTC and a police report had been filed, they will be attach to this complaint.

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 2021-04-07
Company: MoneyLion Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX was Issued XX/XX/XXXX, and paid in full XX/XX/XXXX ... .a payment was never missed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One Closed my account without my permission on XX/XX/2019. 
This dropped my credit score 60+ points. I had to reopen a new account in which im happy with however I want my old account that they closed removed from my credit report so my score can be correctly adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: REGIONS FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This has been going on very continuously the past 6-7 mos. I never signed up for overdraft. I have locked my debit card for over a month now. With regions lock it. I have been charged {$36.00} numerous times. If there is even 1 cent in my account they have paid for things as silly as a {$1.00} membership to some app then charge me {$36.00}. If the money is not in the bank I cant withdraw from an atm. Or use it anywhere. So how is it legal for them to choose what they want to pay for.? I'm so fed up with regions bank. If I were to go back from the time I opened my account til now it would be over {$1000.00} in fees. Then if its negative already and then charged and charged I am just too the point I feel robbed. They have changed the type of checking account I have with no notice of monthly fees that would be charged. I will not pay another penny to them. Because of all the money they have robbed of me they should have plenty to cover whatever amount it is today they say I owe now. I dont even use this account anymore. I go from having {$41.00} in the bank to within a few days - {$130.00} then two weeks - {$250.00} how is that possible when I personally have not used the account and it is supposed to be locked. I have cancelled everything. And they still find something to mess me all up over and over month after and I have had enough. If they want to report it to credit. I dont care. It will be worth not to see another dime of my money to go to that bank. I'm changing to a new bank. New start. Regions bank is horrible. Any bank that takes your money when it is not available is ridiculous. I never signed up for protection. So therefore it should of never happened.

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 2019-08-29
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have inquires on my credit report that are not from my doing, I have tried to get this taken off my credit but the credit bureau still report the inaccurate and fraudulent inquires when I am not the person who actually applied for them on my credit. I tried disputing them online, by mail and calling. I am at my breaking point!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
First of all, I am wondering how XXXX XXXX XXXX is still in business running the same scam as before the CFPB sued them. They did not speak with several of my loan companies at all and by the time they realized that two of them wouldn't work with a debt relief company I was already over 8-months behind in payments and catching up put a huge financial burden on my family and I had to take money out of my 401K ( and the tax penalty ) to catch up the payments. Because, not only was the payment per month to XXXX not being adjusted for the accounts that wouldn't settle, I was now having to pay 3 companies more than I was paying prior to signing up with XXXX and their monthly fee. I was also sued by a credit card company because they didn't negotiate in time. Then when I was told my last payment would be in XXXX, they extended the program to XXXX because I still owed them fees. We decided to take out a Home Equity Loan to pay them off once and for all because I took all but one of my debts out of their program was told that all I had to pay was {$780.00} and would never have to deal with them again, called in today and all of a sudden they said I owed upwards of {$1600.00} to pay them off. She eventually corrected the amount to {$800.00} but still not what I was told just last week. This entire company is a scam. They wouldn't let me leave last year and take the settlement to XXXX, who, by the way, is a much better and more client focused debt relief company, because I had a structured settlement. And that settlement was for 50 % of the debt I owed but the fees they charge, 25 %, make this program almost useless. Why settle if you are just going to charge that amount in fees. I am unclear how the CFPB allows this company to continue to scam people. I have lost over {$2500.00} with them and even though I am paying them off in two weeks they told me I had to continue to pay my monthly payment until XXXX so I had to make a special request for them to halt my automatic payments they have coming out twice a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: JPMORGAN CHASE & CO.
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hello - I received a promotional offer in the mail form CHASE. Open a checking account, meet the promotional terms, get {$300.00}. Open a savings account, meet the promotional terms, get {$200.00}. Open both, meet the promotional terms of both, get {$600.00}. The promotional offer code is XXXX XXXX XXXX XXXX. I went through the motions of applying, only to be stopped by an error message stating that my address is a XXXX address, and therefore I can not open an account without going into a local CHASE branch. I don't live in XXXX ( I've never even been to XXXX ), and there are no CHASE branches in my local vicinity, so I tried calling CHASE customer service and unfortunately didn't get very far. I was told that since there are no CHASE branches by me, that I can't open an account ( which I'm fairly certain is incorrect - why send me the promotional offer and then advise me that I can't open an account? ). Therefore, I'm hoping that I can get someone experienced at CHASE who can assist me with opening these accounts via submitting a CFPB complaint. The offer states that I have until XX/XX/2019 to take advantage of the offer. I've attached a ppt with screenshots of the " wall '' I'm being met with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I received an email XXXXXX/XX/XXXX, saying that a debit will me be made from my account in the amount of {$370.00}, please ensure that you have funds available to cover this debt. The loan was taken out on XX/XX/XXXX from someone else. I contacted Cash Center and they told me this was the 6th loan taken out, I explained to them, I do not have or ever had a XXXX XXXX  card, which they applied the loan to. So they told me that I would need to fill out the Identity Theft Victim 's complaint, which I did then I asked them about the other loans, the woman XXXX  told me since it's a fraudulent loan they could not give me the information about where the money or how the money was funded. I do have the dates of the other loans. I have filed a police report and have XXXX and contacted the IRS and IdentityTheft.gov. Now I am filing a complaint with you. What kind of business puts money on a card, which is not affiliated with a bank or has a bank account, checking or statement. I do not have a bank account, have not in the past 4-5 years. Not sure how they got my ss, I know with the XXXX breach. I have gotten more emails from Cash Central/Choice Financial that the debit did not go through, and have put added expense on the amount. I am very upset about this and having to jump through all these hoops for something someone else has done. The other dates areXX/XX/XXXX {$350.00}, XX/XX/XXXX {$350.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX{$350.00}

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 2019-02-12
Company: EQUIFAX, INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello Respective Officer, HEre Iam writing this complaint against EQUIFAX - XXXX [ XXXX XXXX was the person who handled my Insurance file ]. 

I had XXXX Bitcoins in mine and my Husband account and they were stolen in a FRadulent way from both of our accounts, the fraudstaers claimed themselves as representatives of XXXX [ XXXX XXXX XXXX company ] and took control over our accounts and moved the digital assetts from our account to theirs! I reported this incident to the XXXX in two hours and requested to hold the transfer but it was already transferred and they couldnt hold the transfer! And since then I updated them the whole situation and how the fraudsters claimed themselves as XXXX  and cheated and stole the assetts but I was left with Rejection! 

I tried my best explaining the situation to XXXX but they rejected my REFUND .Hence I had to reach the insurance provided by XXXX [ TRUSTEDID ] for me, Identity Theft which also covers FRaudulent activities! After submitting all the, they rejected saying these are not financial assetts .I dont want to accept the reason for Rejection as this was a complete Fraudulent act which was covered under the insurace! 

THankyou and looking for justice and REFUND! 

I do have a POLICE complaint in place and email conversations and any other proofs needed! Have attatched the Police complaint and Summary of Benefits! Let me know if anything else needed! Included the email conversations with XXXX  and the screenshot of the transfers done!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The bubbles provide did not accurately describe my problem. I believe Comenity Bank/VCTRSSEC illegally accesses my credit report. Not only did I NOT apply for a line of credit them I did not supply my SSN # nor did I give them my DOB. Yesterday XX/XX/2021 ) I was shopping online I bought 1 item from Victoria secret ( VS ), at checkout I supplied payment with my personal Visa and completed my purchase. About 30 seconds after my purchase I received an email from my credit monitoring service that Comenity Bank/VCTRSSEC attempted to access my credit? Per my credit monitoring service they told me to contact that bank, so I did. Upon calling I was forwarded to the fraud department. I explained what just happened and the rep. said he needed my SSN to look into it. I told him that I was not going to supply that to him, could he look under my name since that should be on file if someone tried to open an account under my name. He told me NO and that I probably accidently clicked something to apply. I told him that would be impossible since I would have to supply my SSN # and DOB and agree to the card and agree to have my credit pulled all of which I did not do. I have shopped with VS online many times before and never had an issue, but the fact that my credit was pulled within 30 seconds of checking out with VS I believe this company is using illegally obtained information i.e. SSN # Dob etc how else would that have that information? I have NEVER had a VS card or any other clothing store cards. I would have though maybe someone was trying to use my SSN if it didn't happened so quickly after my purchase. Also after looking at some stories online I found that this bank has a history of opening lines of credit that were not solicited and the people have no idea how they obtained their personal information. My personal information has been breached a few times so its possible this company has illegally obtained my information from one of these breaches and once they had confirmation of my name and address they linked me and tried to open a line of credit. This is very serious and the fact that they told me they needed my SSN # to look into it and suggesting that I might have accidently applied is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 social security number was stolen from me and accounts were opened in my name. There is one more account that was opened in my name that wasn't me. Please remove the remaining account. I have attached my federal trade commission report along with any other supporting documents. 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