BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-18
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
{$170.00} XX/XX/2022 at XXXX ( country ) I was flying from XXXX ( XXXX ) to XXXX ( XXXX ) I purchased a ticket using XXXX XXXX that included 1 free baggage. 
While checking in XXXX representatives demanded that I'd pay for the baggage that I already paid for. I had only 1 piece of baggage. They held me hostage. Either you pay or you will not fly. Being in foreign country and felt a XXXX and being blackmailed I had no choice to pay. When I came back I opened a dispute with Chase Bank ( Credit Card services ). I was told that because I signed and paid, they can not do anything. When I asked if they did any investigation as I have a proof of paying for the baggage, they told me that if I signed ( even being blackmailed and felt XXXX ), I must pay. I asked what if they had a XXXX to my head. Chase CC services told me that I still would need to pay. 

I believe Chase CC Service must conduct investigation to confirm that I already paid for the baggage and credit me back. That's OUTRAGEOUS what they told me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I just would like to put on the record that Wells Fargo is constantly charging overdraft fees even after money has been put into the account to bring the account to a positive standing they also provided a grace day period allowing for funds to be deposited before being hit with fees it clearly that doesnt mean anything because I still have had to call multiple times within the last few weeks requesting overdraft fees to be reimbursed to me because I have made sure the account was not negative even before the grace period and still they have charged me with overdraft fees

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 2023-01-11
Company: SANTANDER HOLDINGS USA, INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was told if I paid XXXX my account would be current. I paid the amount and continued making my payments as normal. 

XXXX now says that I should have paid XXXX more than I was told to bring my account current. 

The two agents that told me the XXXX would bring my account current were not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 Thursday XX/XX/XXXX, I flew to XXXX for a short vacation. Upon arriving, I proceeded to connect my phone to the local Wi-Fi to inform my family about my arrival. Thats when I started receiving notifications about a credit inquiry from Capital One bank. I also received a notification that my credit score was changed because of this inquiry. 
I immediately logged into my XXXX account and activated a security block on my credit. I also contacted Capital One bank to inform them of the fraudulent inquiry that was made on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SSN : XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX I have sent many prior requests to the credit bureaus to reinvestigate several inquiries that were not authorized by me.Are n't they required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by the credit bureaus- XXXX, XXXX and Equifax. 

I will once again list the inquiries in need of investigation AND PROOF THAT THEY BELONG TO ME : 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 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 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 


SHOW ME PROOF THAT THESEINQUIRYS WAS AUTHORIZED BY ME OR REMOVE THEMFROM MY CONSUMER REPORTS. I DID NOT AUTHORIZE THEM. - SECTION 609 STATES THAT YOU NEED TO PROVIDE THE APPLICATION THT WAS FILLED OUT FOR THE AUTHORIZATION APPROVAL. I DID NOT AUTHORIZETHESE INQUIRIES.DELETE THEMFROM MY CREDIT REPORT. 


I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they don't even know who I am? 

Please do as you are governed under the Fair Credit Reporting Act and do a complete investigation on the listed inquiries. Provide me with the results of your investigation within 30 days of receipt of this COMPLAINT. 


Cordially, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: FIRST PORTFOLIO SERVICING INC
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I been waiting to receive my new REVVI Card credit card for over 2 months. I still havent received my new REVVI Card credit card with my credit limit of {$300.00}. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: TX
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 Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Please refer to my previous letter for the information that needs to be re-investigated. 

1. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX MD Account Number : XXXX This Account is Inaccurate and I'm seeking litigation please delete at once 2. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account XXXX : XXXX Please supply information on how you have verified this item. 
3. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
4. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
5. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  BANK Account Number : XXXX Please supply information on how you have verified this item. 



Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information

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 2021-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
They told me they couldnt do anything about it, to call trans union. I called trans union so they could remove the false information and they told me its correct like XXXX, my credit score has been XXXX ever since the vehicle was totaled and was being paid by insurance. The vehicle was paid by insurance company and gap coverage insurance people. The vehicle was totalled XX/XX/XXXX and it is now XX/XX/XXXX i need help.

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 2023-01-11
Company: EQUIFAX, INC.
State: CO
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 XXXX and I am writing this on my own behalf. After reviewing the credit report/file, I noticed inaccurate, false and fraudulent information being reported. 

XXXX, Equifax, and XXXX are all reporting inaccurate information regarding fraudulent accounts. The XXXX and XXXX XXXX account delinquencies are inaccurate across all credit reporting agencies and have discrepancies across their reports. Not only are the delinquencies reporting different values but they are also reporting on a fraudulent account. 

This information is to be removed completely from the credit report. The derogatory marks and the whole account as it is causing me harm and is tarnishing my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Ark-La-Tex Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have requested several occasions to have my PMI removed. They will not appraise my property or remove the PMI. This is the last email I sent Benchmark Mortgage. 

" I AM IN RECEIPT OF YOUR LETTER DATED XXXX. I DISAGREE WITH YOUR DETERMINATION. I HAVE INVESTED OVER {$300000.00} IN IMPROVEMENTS IN THE PROPERTY. ALSO, THE PROPERTY HAS OVER DOUBLED IN VALUE SINCE MY PURCHASE IN XXXX. I DEMAND A REVIEW AND AN APPRAISAL AT MY EXPENSE TO RELIEVE ME OF THE MORTGAGE INSURANCE. IF RELIEF IS NOT GRANTED, I WILL PROCEED WITH LEGAL ACTION ALONG WITH CONTACTING THE PROPER GOVERNMENT AGENCIES TO SEEK RELIEF. PLEASE FORWARD THIS EMAIL TO YOUR LEGAL DEPARTMENT. '' Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
Bank Of America Home Equity is Reporting Incorrect Info on Credit Report, Reporting ( 3 ) different Reports to each credit Bureau, All different reporting Good Months on XXXX and Showing 30 days late on same month reported good to other bureau, Bank of america balance due is also different then credit report balance, shows XXXX but Bank Of America Shows almost 80 a month, I Paid XXXX XX/XX/XXXX for XXXX and XXXX payments and did through window with teller, and XXXX showing 30 days late. How is this possible if i made a XXXX payment for 2 months at a time for a XXXX payment, An example they showed me late XXXX on XXXX and for same month reporting to XXXX im clear, In XXXX alone i have made XXXX in payments toward bill like i let the teller know when they take my payment for a XXXX bill that does not total XXXX in a year how is it possible to be late 3 out of 6 months, its not my fault teller put payment to principal not my payment, This has really messed up me getting a mortgage due to Mortgage lenders seeing me late on a XXXX payment for Home equity, this is unfair and does not make any sense, let me not get started how now they opened the account that has been closed for years and inside teller they say there a finance charge when account was closed forever, misterically is now open again, bank of america is fraud itself and should be looked at, Lets goto XXXX they had me late the whole year however show payment history, keep in mind the payment is XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX however on Credit Report showing late the first 7 months how is this possible with those payments, i dont have online banking they say my account is closed so i need to pay with teller where is teller putting my payments im trusting another person who does not care about me.

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 2018-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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 filed a claim to remove accts that i found on my report as i just recently started to check so that i can correct my credit and by land. I found several acct that are not mine that i have had no knowledge of. In searching i discovered that the accts were began while my mother and her boyfriend at the time lived with me. I believe that XXXX XXXX who is currently in XXXX XXXX XXXX for theft and abuse opened these acct while he had access to my information like SS number and other personal information 's while they lived with me. I have attempted to contact and just get that " acct are valad '' but nothing stating how they were validated. Im looking for information as too how were validated. I mean that is my address that is my information but I did not open these accts to something called XXXX  or a XXXX XXXX  acct. they had access to but the right information i did not have knowledge of these accts even existed untill i started checking my credit. I never received and product or bills to these accts I supposedly opened. which makes sence since the people who had access to my information lived in my house and probably intercepted all of it. this is theft and I just want to know how these accts are getting validated and proved that they are my just cuz my name is attached to them. I just want answers and explained process of how they are validated. cuz truthfully i have all my ex husbands information and how would you know if it was him or me since we still live in the same house. You cant and it is not right to not listen to me and just expect that these are mine when they are not. It is not right to not take my information and stick me with a bill that is not mine just cuz someone had access to my information such as family or roommate. And the time frame of these bills were when they lived with me. No there was no charges because i recently just found out and he is already in XXXX. However i am NOT going to take the responsibility of the the XXXX XXXX   or XXXX acct even if i have to contact an attorney

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 2018-07-23
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/18 I went to the US Bank, atm, located inside a grocery store at XXXX XXXX XXXX XXXX XXXX, Ca XXXX. I requested {$780.00}, using my XXXX XXXX XXXX, card, which is an online bank that my paychecks are deposited to. Instead of the requested {$780.00}, only {$400.00} came out of the atm. The printed reciept also showed {$400.00} had been paid out. I thought that maybe the banks atm, had some maximum withdraw per transaction, limit, so I tried my card again for the additional {$380.00}. I got an error message. When, I looked at my statement, on my phone, it showed, that the full amount of {$780.00} had been deducted from my account. So, I brought the paper atm reciept, and the transaction report on my phone, both time and date stamped to the tellers attention. Since, it was their atm that did the XXXX up, I asked that they, correct the issue immeadietly. I was then informed, that the atm reconciliation happens at the end of the week, and that the disputed amount might be found then, but Id have to wait. It was then suggessted, by the bank that is responsible for the error, that I contact my bank and file a dispute. So I did that only to be told the process could take up to 10 days to resolve, and then and only then would my missing cash or a provisional temporary credit would be put into my account. I went back to the branch where the atm is, and said niether instituition is taking responsibility for how I am faring here. I have an overdue car insurance payment, and pending hitel reservations to pay for. Still all I got as a response was cool indifferrence.

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 2017-09-22
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have recently discovered what credit is and what it does for your life. Unfortunately, I do n't have good credit bc someone has run up utility bills, medical bills, and apartment collection. Someone had broken into my car a few years back and stole passport and wallet. When I call these places, i get treated like a criminal and just said forget it. I ' assuming this is associated with my information being leaked for all of XXXX area to see. I 've since calmed down. I desperately need to update and clear off what is not mine and began a new life after my divorce. The police really could n't help nor did they care to but I got some valuable information about the process with the federal trade commission. I intend to see this through until the bitter end. 

National Credit Systems is reporting a debt that is not mine, and I 've made several attempts to get this handheld to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I bought items on sale and on clearance was never told promotional items, added XXXXXXXX XXXX back on card. I made complaints. They sent me a letter that had a false statement on it. Told me that I was late and it was the reason for adding the XXXXXXXX XXXX XXXX but I was not late ; instead it was an early payment. After being caught being misleading with the reason for adding extra money then they tell it was mistake it was promotional items that was bought and I told them I did ot buy any promotional items, items I bought from zales were on sale and on clearance never promotional, card told me it was too late too take off extra money that I had sixty days to make complaints.I made complaints when I got the bill online, the very next month, never went past there days to make complaints. So they hung up on me, when I asked to speak to higher ups after the third complaint.My complaint is against Comenity.net/zales. Which represents Zales until you have a complaint, then they are separate entities then.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX Inquiry from XX/XX/2018 The above inquiry is Fraudulent. Please investigate and remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 don't have a late payment on XXXX, my balance is less {$900.00} and they report {$1900.00} and wrong utilization pourcentage I have called them to fix this, they referred me to the reporting agency all XXXX bureaus did not correct it despite I sent pictures of my new balance and no late 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 non-monetary relief
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
delete credit inquiry 's

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