BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Due to a recent divorce, I was advised to check my credit where I found several questionable collections listed. I reached out a few times but have yet to be provided with anything authorizing my ownership of these debts. I have requested original contracts, my authorizing wet signature, and/or any supporting documentation. I was advised that anything not verified within 30 days should be removed from my credit report. I have heard nothing back from either of the following creditors : XXXX XXXX Rev Dated XX/XX/XXXX in the amount of {$970.00} XXXX XXXX XXXX XXXX XX/XX/XXXX in the amount of {$900.00} XXXX XXXX Rev Dated XX/XX/XXXX XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX  Dated XX/XX/XXXX for amount of {$270.00} XXXX XXXX XXXX Dated XX/XX/XXXX for amount of {$270.00} XXXX Funding Dated XX/XX/XXXX in the amount of {$450.00} XXXX XXXX Dated XX/XX/XXXX in the amount of {$150.00} XXXX XXXX XXXX Dated XX/XX/XXXX in the amount of {$190.00} XXXX XXXX XXXX Dated XX/XX/XXXX in the amount of {$390.00} As you may agree, a few of these seem to be duplications. Although the different credit bureaus may list different dates, they are all very similar entries. These are reflecting very negatively on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXXXXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: AR
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed account.

DEPT OF EDXXXX XXXX Balance {$12000.00} Opened XXXX. XXXX, 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: FC HoldCo LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Received a letter on XX/XX/2019 from Flagship Credit Acceptance in regards to a denial of a credit request I never applied for and it has left a hard inquiry on my report under my name from XX/XX/2019 2019

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: Thaxton Investment Corporation
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
ORIGINAL PERSONAL LOAN - XXXX dated XX/XX/XXXX Amt Financed - {$1100.00} APR 40.47 % Finance Charge - {$410.00} Total Pymts Due - {$1500.00} Term - 18 mos 1st pymt {$100.00} 17 remaining Pymts {$84.00} Closed XX/XX/XXXX after 6 pymts totaling {$520.00} REPLACEMENT PERSONAL LOAN - XXXX dated XX/XX/XXXX Total Amt Financed - {$1100.00} APR - 40.80 % Finance Charge - {$390.00} Total Pymts - {$1500.00} Term - 18 mos 1st Pymt {$84.00} 17 remaining Pymts XXXX Paid Out - XX/XX/XXXX Received - Approx. $ XXXX for early payoff This is the result of a loan company taking a phone payment from me ( my routine method ) and a couple days later an " automatic payment '' from me that I did not go on its website to request. I was told I did. No. As a result, my checking account went negative and I was stuck with overdraft fees that XXXX  out my balance. Why would I do this at the beginning of a XXXX shopping/gift giving season? Loan officer said this could be resolved by closing out Loan No.XXXX and opening a new Loan No. XXXX that would include enough money to put my checking account back in the black. I believe that amount was about $ XXXX. I have had problems with what happened because not the norm at all. Would like to put this to rest by determining if money back from the closed loan is still due me or whether I have actually overpaid on this loan. It is just not clear to me. 

I have not talked with the Loan Officer because I consider this a very sensitive matter that requires second-party review that would satisfy my concern but possibly cause hard feelings if I am wrong. I have had a total of three loans from this company, the first being back in XX/XX/XXXX. It was a merchant installment loan and my fees/payments were lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Avant Holding Company, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My issue first started with trying to contact the company because my card kept getting declined despite saying it was activated. Called CS 4 times to resolve issue and kept getting hung up. 5th call was to close acct and got hung up again. This is not the first time I've had issues with poor customer service with this company. I've had a previous complaint last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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:
I have made several attempts to correct this issue over the past few years. I last spoke with Experian and XXXX on XX/XX/2023 regarding a charge off account with XXXX in the amount of {$0.00} I I have been informed by this company to contact Experian and XXXX regarding this issue. There has not been any resolve and this account is not accurately being verified as well as being reported incorrectly. Also, my personal information was not correct when I called to discuss this account. The credit bureaus corrected my person information, but did not remove this account.

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 2023-01-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX US DEPT. OF EDUCATIO XXXX has violated my rights. 

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

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX AV XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX US DEPARTMENT OF EDU XXXX Balance {$120000.00} Opened XXXX. XXXX, XXXX XXXX DEPARTMENT OF EDU XXXX Balance {$92000.00} Opened XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Balance {$2100.00} Opened 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  Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX, Inquiry : XX/XX/XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX CXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2017-09-23
Company: JPMORGAN CHASE & CO.
State: CA
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 is a complaint against Morgan Chase bank, and their unconscionable, profit making scheme called " overdraft fees '. 

In the past year I have PAID CHASE BANK {$1400.00} IN OVERDRAFT FEES. 
CHASE, in return, has done me a BIG FAVOR, of reversing 5 charges on my business account for a total of {$170.00} I believe Chase has manipulated its processing system to where instead of looking for " credits '' first, it will debit a consumer account, if the consumer falls into their TIME TRAP, to make deposits. 

I am in California. Most if not all of the overdraft fees I have paid I believe the funds were in the account on the next business day, but because they had not been deposited before " XXXX XXXX Eastern Standard time, '' regardless of whether a deposit was enough to cover any overdraft, Chase refers the customer to their " boiler '' policy which only allows them to reverse 3 or five transactions in a 12 month period for {$170.00} but its okay for them to XXXX THE CONSUMER for {$1400.00} XXXX XXXX was sued and had to pay a settlement on its overdraft fee policy. 
Chase was apparently sued in XXXX ( below is the beginning of an article on a case initiated in Florida in XXXX. 

It is important to note that nearly every transaction for which I have been charged these overdraft fees were CHASE TO CHASE, CASH DEPOSITS. 

I called today to try to get some relief from 7 overdraft fees. I started in the " XXXX '' and worked my way to a manager in the XXXX who gave me their standard XXXX telling me about the Pamphlet that allows them to do this. 

I saw an article online that indicates a lawsuit being filed against Chase for XXXX. 
If Chase has violated the law in any way, i want a refund of ALL OVERDRAFT FEES they have charged me. 

The Chase policy is " unconscionable ''. I have seen internal memos of Chase bank where they have discussed how their overdraft protection program is designed as a " profit making program ''. I do not even mind if my account had to be dinged at some point and Chase wants to make a profit for covering a charge. I believe, however, the Chase system is rigged against the Consumer. 

I got nowhere pleading with them for some relief today from these fees. 

Here is my information. 

Law Office of XXXX XXXX XXXX Chase Bank - General Account ending in " XXXX '' XXXX XXXX, XXXX. 
XXXX XXXX, California XXXXXXXXXXXX FROM ARTICLE FOUND ON XXXX TODAY : XXXX XXXX XXXX has agreed to pay {$110.00} XXXX to settle a class-action suit challenging the way it charged debit card fees to customers who spent more than what was in their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: SUN LOAN COMPANY INC.
State: IL
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 made numerous complaints outlining why this account should be zeroed out and removed from my credit report. You have continued to violate my consumer rights under Truth in lending act, FCRA, and the FDCPA. This is my last attempt to try to rectify this situation before pursuing litigation. Ive attached an Affidavit of Truth notarized outlining various facts about the situation as well as a Cease to desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts and inquiries. Please Block and remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Lost job due to disability Applied for home modification a couple of times went into foreclosure after being turned down to only being denied after being with Wells Fargo since XXXX till XXXX house caught on fire sold my loan to another company after going through this for a year put so much stress on me..they never did help me with any mortgage issue with payment

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 2023-02-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I was not work during XXXX was charged overdrafted fee XXXX other fee my account was closed

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 2023-01-03
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:
This is the several time I've complained about being a victim of identity theft. You must remove any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/2021, I sent in a letter disputing and challenging the accuracy of the item being reported on my credit report ( see attached ). Via section XXXX letter of the Fair Credit Reporting Act ( FCRA ), I requested that Equifax provide debt validation and debt verification on this item. In addition, on XX/XX/2021, I sent in a 30 day demand letter XXXX see attached ). It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act XXXX FCRA XXXX. I demand that this item be immediately removed and deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
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 XXXX XXXX, 2017 I applied for a car loan with Toyota Dealer in XXXX, Md. Before they submitted my credit information I had a major concern about too many credit inquiries. The financial team told me that they only pull one credit report. I checked my recent credit report today and there are three additional credit inquiries on my credit report from Toyota.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with XXXX in XX/XX/XXXX being attracted to their welcome bonus. I called numerous times because the bonus was not deposited to my account yet, always got answer that I have met the criteria, bonus it's on the way. Now in XX/XX/XXXX customer service is telling me that I don't qualify since I have had relationship with the bank already. I have a CREDIT CARD with them that was opened before the checking account. Their offer disclosure states " Customers who held an HSBC consumer deposit or investment account not eligible for this offer. '' Credit card is neither consumer deposit or investment account, so they are doing false advertisement. 

Their customer service is terrible, horrible and outside US, I'm not getting anywhere with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
State: LA
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:
Its showing that the account is charged off but it was paid in full.

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 2023-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 account 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 : KOHLS/CAPONE XXXXXXXX XXXX : {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
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: Credit inquiries on your report that you don't recognize

Complaint:
In the summer of XX/XX/XXXX the XXXX XXXX monitoring system had some type of glitch where inquiries were removed. I have the XX/XX/XXXX report in which it shows my file to have 0 inquiries. These inquiries were placed back on my report without any notice from Transunion. I have called many times and I keep being told that I was not affected by the breach. I only found this while closely reviewing my reports after the XXXX breach. I also noted many unauthorized credit inquiries that I was told could not be disputed. They want me to get police reports. My police department has said they wo n't investigate because there was no loss to myself or the companies. The creditors will not investigate for the same reasons and referred me back to the credit bureaus for removal. XXXX  has complied but transunion now says inquiries can not be disputed.

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