BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My bank account with Chase was closed over 3 years ago through XXXX by which I did not do. I believe that I am a victim of fraud and have my consumer report that I wanted to show you to overturn the decision to close my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: OK
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:
I am a XXXX Veteran who was awarded A permanent and Total Discharged. XXXX needs to update my student loans account accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Receivables Performance Management, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX of XXXX I leased a car from XXXX XXXX. It was a 2-year lease and they told me that if I turned the car back in before the 2-year time period I would not be required to pay any penalty. 
I turned in the car in XXXX of XXXX to XXXX XXXX ( an XXXX ) They told me that I dont owe any money. 
Almost three and a half years later I got a phone call from a debt collector and they also mailed a letter dated XX/XX/XXXX. The debt collector claims that I owe {$1200.00} that I do not believe I owe. 
Included in {$1200.00} is rent past due of {$170.00}. One week I did not pay because XXXX said that they had me covered because of the hurricane. If this were a legitimate debt owed to some company, I would have heard from that company. 
I received the 2nd letter and final communication from the debt collector on XX/XX/XXXX. 
I received no further communication past XX/XX/XXXX until about XX/XX/XXXX when the debt collector posted a collection notice on my credit. I have excellent credit which took years to get.

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 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX purchased a potential delinquent account from XXXX XXXX belonging to XXXX XXXX of XXXX XXXX, West Virginia. XXXX XXXX has not lived at the address where this charge would have occurred in over 8 years. There literally is no way possible this " apparent debt '' is less than 8 years old. 

It appears the delinquent date that is showing on his credit report is the date the company purchased the account, not the actual date of the delinquency. There is no legal way this information should still be on his credit report, yet this company is showing the account has only been delinquent since 2016, so it will take that much longer to fall off the credit report. This is FRAUD and I'm filing fraud reports with every known agency that handles these matters.

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 2023-07-19
Company: LEXISNEXIS
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was denied renters insurance due to two claims on my account that I have nothing to do with. The claimant is XXXX, XXXX and the dates are for XX/XX/XXXX  and XX/XX/XXXX  at the address XXXX XXXX XXXX ( with no city or state listed ). I have never been to this random XXXX XXXX XXXX and have never met a XXXX XXXX. I attempted to call LexisNexis which is the consumer report company that XXXX uses, and I can not reach anyone real to dispute this. Nor can I find anything on their website for disputing that doesnt bring me here to consumerfinance.gov. The false claim runs through the also false company XXXX XXXX and the policy number is # XXXX. The loss report reference number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: NY
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 checked my personal credit report, which I acquired from your organization on Equifax Report XX/XX/ there was some inaccurate information report on my open accounts that is stated I was late and a remark comments that are inaccurate and this Inquiries had been made

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: WELLS FARGO & COMPANY
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:
I was charged overdraft fees for my checking 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 2023-03-08
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX ...., has violated my rights XXXX XXXX XXXX ...., Has violated my rights XXXX XXXXXXXX XXXX ...., Has Violated my rights XXXX XXXX XXXX ... .., Has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer report as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Starting in XXXX of 2020, I was charged a late fee by Comenity Bank for a XXXX credit card. As this was a one time issue, I tried contacting the company multiple times to discuss waiving the fee. I meanwhile, paid the balance on my credit card. After being put on hold numerous times and never reaching a person as well as sending emails, I was unable to reach someone. They started to tack on fees to the original fee. Again, I tried contacting them. Finally reaching a very rude individual who told me I needed to pay the full balance that had now accumulated. Meanwhile, I was receiving 3-4 calls a week from Comenity Bank telling me they were here to help me with any covid issues. I talked to one of them and realized they had no connection with the issue I was having. I am apparently on their call list as they see there is an overdue balance. They are so willing to help me in times of covid issues and yet they are charging me fees upon fees. They told me to send a complaint in writing. I did this through their website. In addition, I also called again and this time spoke to another person who told me I just had to pay all of the fees or this would never stop. I tried a 3rd call and reached a polite individual who reiterated what the comentiy callers had told me-to send it in writing. Since then, they have continued to tack on charges month after month. I now have a {$210.00} balance that is all fees, no purchases. I received a letter in XXXX thanking me for contacting them ( in response to the written complaint I filed ). Now they are asking for me to provide them with as much information as possible. I already did this the first time. There was no direct contact info or name for anyone I could contact. And again, they tacked on two more months worth of fees since then. I have invested enough time trying to solve this and watch as this balance grows from a {$24.00} fee to {$210.00}. I do not want to get stuck paying for something that is not owed and as far as I'm concerned is unethical. I was told by their representative originally that I had to pay even if I did not owe the fees. It appears they are involved in dishonest practices of charging fees on credit cards with no balances and harass the customers until they finally give up and pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Purchase XXXX XXXX XXXX  purchase at XXXX dealer in XXXX. Vehicle had check engine light after first 2 weeks. Original loan was XXXX. Couldn't register the vehicle so I stopped making payments so that the bank would come for said vehicle. I made an estimated payment of XXXX. Vehicle was repossed then sold for XXXX. Santander bank still want to get more money from me saying I still owe XXXX. Bank already made what the original loan and more. I know I owe them {$0.00}. Please help because Santander bank is a predatory loan bank, that preys on individuals with bad credit especially XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was previously serviced by The XXXX XXXX, XXXX. They transferred servicing to Mr. Cooper. My instructions were to send any payments due on or before XX/XX/XXXX to The XXXX XXXX and any payments due after XX/XX/XXXX to Mr. Cooper. 

I submitted my XX/XX/XXXX payment to The XXXX XXXX, per the instructions above. 

Today, I received a harassing mobile app notification from Mr Cooper saying that I needed to make my XX/XX/XXXX payment by XX/XX/XXXX to avoid a late fee. 

I contacted Mr. Cooper support. They insisted that this is my responsibility, and then hung up XXXX ended the online chat ) on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
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: Their investigation did not fix an error on your report

Complaint:
I have disputed the inaccurate reportings with XXXX XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX : XXXX  is reporting a status of Current but also reporting 30 days late in XX/XX/XXXX and XX/XX/XXXX, XXXX  is reporting a status of Current but also reporting 30 days late in XX/XX/XXXX and XX/XX/XXXX and Equifax is reporting a status a status of Current but also reporting 30 days late in XX/XX/XXXX and XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX  Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a {$0.00} balance, XXXX  and Equifax are reporting an opened date of XX/XX/XXXX with a {$0.00} balance, XXXX  XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$8000.00}, XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$8000.00}, Equifax is not reporting this account, XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$900.00}, XXXX  and Equifax are not reporting this account, XXXXXXXX XXXX  Account Number XXXX XXXX  is reporting an XXXX date of XX/XX/XXXX with a {$72.00} balance, XXXX  is reporting an opened date of XX/XX/XXXX with a {$72.00} balance and Equifax is not reporting this account, XXXX XXXX XXXX  Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a {$0.00} balance, XXXX  is reporting an opened date of XX/XX/XXXX with a {$0.00} balance and Equifax is not reporting this account, XXXXXXXX  Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a {$69.00} balance, XXXX  is reporting an opened date of XX/XX/XXXX with a {$69.00} balance and Equifax is not reporting this account . I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX XXXX  and Equifax have failed to plead their case to who has provided them with this false information and/or provide proof with signatures of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: CCF Intermediate Holdings LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Speedy Cash Payday Loan : XXXX XXXX CFR Part XXXX - PAYDAY, VEHICLE TITLE, AND CERTAIN HIGH-COST INSTALLMENT LOANS I have reason to believe that Speedy Cash is in violation of 12 CFR 1041.7 by trying to repeatedly withdraw funds from my account. Please delete my file in lieu of this violation. Failure to do so will result in a civil lawsuit pursuant to the requirements listed in 12 CFR Chapter X.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
See CFPB Case XXXX. I could not log in. I received letters from XXXX but still no evidence to establish how the accounts were opened and for what. They state that on XX/XX/2017, an XXXX store card credit application was submitted, and that the store card account was used for the XXXX membership. The prime membership is {$90.00} a year. I did not apply for a XXXX card through XXXX and the amount ( s ) charged do not comport with the amount of an XXXX XXXX membership. 

As for the XXXX card, XXXX states an application was submitted on XX/XX/2017, with name, verified address, telephone number, and other personal information, and activated XX/XX/2017, from " my '' telephone number. They do not give the telephone number, nor do they give the " verified '' address, etc. I at least need to know what telephone numbers were called, to and from, in order to activate the card. I also need to know what numbers, to and from, were used to make the {$72.00} payment using my business account debit card. I can verify whether or not the phone number ( s ) called from was mine and, if so, check XXXX records ( yes, I have those records ). I also want a copy of the credit application. In addition, was it an online application or a written application? As I stated before, my next door neighbor had his kids stealing our mail and the account was opened, apparently, using my home address, which I never used because of ongoing mail theft. Additionally, XXXX states I received the benefit of the items purchased, items that I had absolutely no interest in, did not purchase, and would never have purchased. Finally, XXXX referred me again to Midland Funding, which is only interested in collecting from me, the victim of this ID theft, the fraudulent charges. 

Looks like XXXX doesn't know how to do a real investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
This is my formal complaint to CAPITAL ONE LLC for taking no action to correct and remove the fraudulent accounts that are still reflected on my credit report and continue to damage my reputation. I sent out communication letters and complaints to them several times, but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they would be reporting accurate information on my file but it seems they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a direct deposit style debit card in the mail through Venmo that I had not applied for. My social security information has been compromised for some time now, so I immediately called Venmo to have this account/card cancelled which they happily did. They stated I was not responsible for charges. However, the problem I have is that my information is entirely frozen on all credit and banking bureaus, including XXXX. From my understanding, financial institutions such as Venmo are to request my information from XXXX, being that is is the banking record bureau, before opening a new account in my name. If they had done that, they would have seen my account was flagged and denied the fraudulent account. Clearly, they did not follow through with with responsibility. When talking to the agent, I asked why this consumer protection measure was not done. We went back and forth for several minutes, with him telling me that how was information is used is a " trade secret '' and he can not reveal trade secrets to the laymen like myself. However, I was simply asking why they had not done what they are, by law, supposed to be doing whenever a new account is requested. After several minutes of a runaround, with him admitting no fault and refusing to actually answer my questions, I simply gave up attempting to get an answer. He then said it would be escalated to a manager who would erase any charged brought onto the card. I asked if I could expect a call from said manager, with a report of what charges, if any, were made in my name. Again, I was told this was " trade secret '' information because it reveals how their company deals with fraud. Overall, it seemed like a very shady practice, and the company is not fulfilling their duty of checking credit and banking reports before opening a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: WELLS FARGO & COMPANY
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I called them and sent them letters stating it was identity theft

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 2023-08-20
Company: Colony Brands, 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: Account status incorrect

Complaint:
I just started the process to attempt to resolve with the company. Keeping the CFPB in the loop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
On XXXX XXXX my account was closed with no notice of action, no email, no letter no call or text. Payments were made on my account but were not reported. They did not verify the account closure and there was no written form of communication, contract, or signature for this accused account closure.

Company response to consumer: Closed with explanation