BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am trying to open an account for my adult son who is XXXX. I am his legal guardian. 
Here is the background on this issue. 
I original filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. 
This was the original complaint : I am trying to open an account for my son which I am his legally appointed plenary guardian. The banker faxed the paperwork into their document review team, and they told the banker ( phone conversation ) that the paper was not sufficient. The review team refused to talk directly to me or to give me a number to reach them, or the legal team. I then asked for a supervisor and they said they would have a supervisor get on the phone with the banker and she would have to relay information to me. They stated they dont talk to customers. They did give me a name of XXXX XXXX XXXX who was talking to the banker and his supervisor XXXX XXXX but would only give me a number of XXXX. 
After filing that complaint with the XXXX XXXX XXXX I did receive a call from XXXX ( executive office ) XXXX ext. XXXX after several conversations she stated that the guardianship was going to outdated within a week it has to be within 2 years. 
So I then went back to the courts and got a updated court order of guardianship which I faxed several times and had to make several calls before XXXX would respond to me. She then stated that the legal department wont accept it because they needed it to state I was guardian of the estate. 
I then went back to court on XX/XX/XXXX and got guardianship of person and estate and faxed a copy of the court order to XXXX and left a message on her voicemail. I have left XXXX messages with no call back. On XX/XX/XXXX I finally was able to get XXXX on the phone she told me to fax and email a copy of the order to her and she would get it reviewed and get back to me. I did that on XX/XX/XXXX. Again I left several messages. Finally on XX/XX/XXXX I received a call from XXXX who stated they will review the court order and will get back to me. She did state it would take some time. I dont understand why it is taking this long. When I original went into the bank on XX/XX/XXXX they faxed the paperwork to the review team and got a decision immediately. 
I would like help with resolving this issue. I am not sure if this is typical practice on trying to open an account for a XXXX person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2021 I noticed my credit score had dropped 21 points soon after, the actual alert notification was observed. This was alarming to me as I review my score often and last looked at my score on XX/XX/2021. I was beside myself to see a 21 point drop from a XXXX to XXXX. I made several attempted to obtain from Experian a explanation as my credit file had not changed at all. I explained that this adverse action ( credit score dropping 21points ) had place me at a disadvantage position in my quest to obtain business service products to restore and enhance my business activities. 
Experian representatives was unable to see or give any reasons for the 21 point drop besides my payment that changed my revolving credit balance from {$79.00} to {$71.00}. I requested a supervisor to return my call to obtain insight from their prospective. Due to the adverse weather conditions I had not heard from anyone at Experian for a few days. 
I contacted Experian back on XX/XX/2021 at that time a supervisor advised my that my fico score with Experian was reflective of the score from fico as this is where my score came from. I was advised to contact MY FICO to see why my score had dropped. 
Upon my conversation I was dismayed to find out I was provided misinformation from Experian, the FICO representative indicated to me that they have nothing to do with my credit score dropping 21 points. The representative further indicated that Experian has it's own algorithms calculations to determine credit scores. This presented a further issue as now Experian was giving me the run arounds in this matter. I phoned Experian back and was told that FICO was whom I had to call about a matter that Experian follows FICO. I expressed my dismay and was given a number ( XXXX ) reflective of our conversation from Experian.

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 2021-02-23
Company: WELLS FARGO & COMPANY
State: PA
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:
WELLS FARGO XXXX Balance : {$1500.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2018-09-20
Company: Experian Information Solutions Inc.
State: OR
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:
I wrote to the credit reporting agency, disputed the inquiries. The credit reporting agency, informed me that the results are valid. I then contacted the creditors that made said inquiries and they responded that they needed additional information, they were unable to locate with name, address, etc. I received correspondence from a few creditors, stating that they would immediately request removal. I am not sure how the credit reporting agency could claim this to be valid, when in fact the actual creditor has acknowledge an error and requested the inquiry to be removed ( i.e. XXXX XXXX XXXX ; XXXX ) Then the address on record for XXXX XXXX XXXX XXXX, is not a valid address.

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 2018-04-03
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. My apartment was broken into and several ID documents stolen. I filed a police report and have attached a copy to this complaint. I found several inquiries that were a result of this identity theft. The inquiry below is a result of ID theft : XXXX XXXX XX/XX/2018 XX/XX/XXXX. 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have not been able to retrieve earned Visa Cash Rewards from a Capital One Visa Account prior to closing the account. Following is the text of my last written correspondence. On XX/XX/2020 Capital One responded requesting the same failed actions and did not yet provide a secure means to submit the information. 

" XX/XX/2020 Letter to Capital One Re : Credit Card Fraud Case XXXX To Whom It May Concern : Late XX/XX/2020 I was notified that a transaction on my Quicksilver Account was flagged as fraudulent. It was not. I was told that, to prove my identify and unrestrict my card, I must use my phone to transmit an image of my drivers license. 

I declined to do so due to security concerns and requested a secure computer link to transmit that image. For reasons you have yet to explain, you could not provide such a link to either of my email accounts. After several frustrating phone conversations, I cut the card up and quickly acquired a comparable travel card from XXXX XXXX XXXX. 

On XX/XX/2020 I mailed a copy of my drivers license to the address provided in XXXX. I received a response that they could not scan the bar code on the printed copy. The same conversations ensued and again no seure computer link or other satisfactory option to resolve this. 

... I only want the {$58.00} you owe in cash rewards so I may close the account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: AMERICAN HONDA FINANCE CORP
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: Old information reappears or never goes away

Complaint:
Thursday, XX/XX/XXXX I received an alert from each of the 3 National Credit Bureaus ( XXXX, XXXX  and XXXX  ) identifying a new derogatory reporting from American Honda Motors ( AHM ). The account listed on my credit from AHM is # XXXX. The original credit listing was XXXX, XXXX when the debt was Charged Off. The vehicle was auctioned and sold with a new balance listed in XXXX, XXXX at {$7800.00}. Then, just last week, AHM decided to update the derogatory trade line with REPO. This is unlawful and harmful to my credit score models as I watched my scores decline over 100 points because of this new entry. Furthermore, this hostile attack merits FULL DELETION of the account off my credit based on the FAIR CREDIT REPORT ACT, Section 609 ( a ) ( 1 ) ( A ), which requires all creditors to list negative accounts based on updated, accurate and physical verification. Since the AHM account was updated 4 years late after a CHARGE OFF, that action is illegal and must be deleted. I want the AHM deleted now or there is no purpose in have the CONSUMER FINANCIAL PROTECTION BUREAU as a means to help the consumer and you might as well close your doors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Santander Consumer USA Holdings Inc.
State: TX
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:
My vehicle was totaled in XX/XX/XXXX. The account was closed and charged off, it's been in that status ever since. Two weeks or so ago, I asked for it to be removed from credit report a little early instead of waiting for XX/XX/XXXX due to having a terminal illness, it's been in charge off status for 6 yrs and they ignored the request and made the account status " open '' again on XXXX. That isn't right. If they don't want to help me with account by removing the negative even though it's been so long and i'm XXXX awaiting a XXXX XXXX and will not be able to repay then just leave the account in CLOSED status. Don't reopen

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2020-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
Capital One sold this account to a collection agency XXXX in XXXX of 2020. I have been paying automatically to the the collection agency XXXX every since XXXX of 2020 on this account however, Capital One meanwhile continues to report derogatory information each month from the date the account was sold to XXXX XXXX I have disputed this Information with XXXX  four different times and have received the same results back from Capital One. XXXX  has advised me to contact cfpd. I will include supporting documents in reference to this account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX Account number XXXX Account type Auto Loan Responsibility Joint Date opened XX/XX/XXXX Status Open. {$790.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$57000.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$1100.00} Original balance {$62000.00} Highest balance {$0.00} Terms 72 Months

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 2020-11-20
Company: Experian Information Solutions Inc.
State: FL
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:
FTC Report number # XXXX Experian report number # XXXX I attempted to submit a dispute a dispute with Experian and their system would not allow me to submit supporting documentation to back it. This is a violation of the FCRA. I have attached supporting documents that I was trying to submit with this dispute. Please investigate.

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 2018-04-03
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
XX/XX/2018 - ( I am behind one payment ) Today, I received 3 calls from the California Check Cashing, XXXX XXXX in XXXX XXXX, CA, today. Each time XXXX calls my work number she will ask me do disclose the last four of my Social Security Number ( SSN ). I have no privacy in my office and I work around XXXX. I refuse to provide my personal information to anyone at any time in this environment. When I am asked for the last four of my SSN, I kindly say, " No. '' She says to me that she will call me back. She does not ask me if this is an okay number to call. 

Since I share my office with a co-worker and there are often XXXX in my work area, the telephone call to my work makes for a very uncomfortable and unsafe situation. 

I called ( XXXX ) XXXX, the California Check Cashing and spoke with XXXX and explained my non-private situation to her and told her that the staff at California Check Cashing are making this debt collection very, very uncomfortable and very unsafe for me when they call my work number. When XXXX calls, she will identify herself and she will continue to ask for the last four of my SSN. I work in a XXXX, I refuse to provide my last four of my SSN out loud. I am NOT in a place to disclose my personal information or my personal business. 
When I called, I shared with XXXX that since they are not willing to comply with my request, I will be filing a complaint. XXXX told me to do what I have to do and they will not stop the calls to my work until I make a payment. 
I informed XXXX that in the XXXX environment it is considered contraband for me to bring in a cell phone, so I am unable to pick up calls from my cell phone during my work hours. After work, I am on a 1.5-2 hour commute. 

I asked XXXX for the manager 's ( XXXX ) last name so I could provide last names to add to my complaint ; XXXX refused to provide a last name and told me that she is unable to provide XXXX 's last name. Gee, it sounds like my situation to remain anonymous as much as possible ; I would think that XXXX and XXXX would understand my situation You are welcome to contact me for additional 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 2020-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XX/XX/2020, I purchased tickets to an event from a site called tickets on sale in the amount of XXXX. The event was scheduled for XXXX XXXX, however, this is around the time the pandemic shut everything down. So, the event was postponed. The event has been postponed for a total of 2 times with the last date being XXXX. I have not received any up to date information as far as when the event will be held. At this point I am no longer interested in going. Ive tried to contact the tickets on sale customer service numerous times and they have told me since the event isnt canceled then I cant get s refund. I really believe this is why they keep postponing the event. Also Ive tried contacting the venue where the event is to be held but have been unsuccessful with reaching anyone. Ive tried to dispute with my bank recently but because the transaction occurred in XXXX they stated that they have a specific time frame in which they can pursue a dispute.

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 2017-08-04
Company: CURO Intermediate Holdings
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I filed a dispute regarding transactions made on my opt plus account, which I noticed on XXXX/XXXX/17, at that time I called the automated service to cancel my card and immediately an {$8.00} replacement card fee was applied. When I looked at the transactions on XXXX/XXXX/17 it no longer stated XXXX/XXXX/17, they stated XXXX/XXXX/17, which is not what was seen originally. I faxed the dispute letter XXXX/XXXX/17 and I was told XXXX/XXXX/17 it was closed and nothing further would be done.
( Exhibit 1 ) Those transactions are in the amounts of : {$200.00} ( XXXX XXXX- XXXX  TX ) * {$200.00} ( XXXX XXXX XXXX TX ) * {$83.00} ( XXXX XXXX- XXXX TX ) * My card was only out of my possession when I paid the waiter at XXXX XXXX, at the XXXX XXXX in XXXX, TX on XXXX/XXXX/17 .
The transaction with an * next to them above, also has an * on the transaction statements on the myoptplus website. This is something that has never been on any other transactions which leads me to believe it shows that something is different than normal transactions.
The last 5 transactions I made were all on XXXX/XXXX/17 and are listed below.
XXXX XXXX XXXX  XXXX, TX {$100.00} XXXX XXXX XXXX XXXX, TX {$28.00} XXXX XXXX XXXX XXXX, TX {$59.00} XXXX XXXX XXXX, TX {$9.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX {$82.00} I have been an OptPlus direct deposit customer for several years and have not had any disputes. I was advised on XXXX/XXXX/17 that my dispute was closed and it is believed to be regular transactions made by me. However, I know I did not make the transactions shown above. I was told to file a police report but no one can tell me where the transactions were made, who they were made to or any other identifying information, such as a phone number. I have no information to file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm writing to disputed an unknown debt collection that I have been harassed by Cavalry SPV I , LLC. I have been received Mails and phone calls harassment to attempt to collect the debt that I did not inform. I believe my information has been used without my consent. Please investigate thoroughly as the phone calls harassment from Cavalry SPV I , LLC has caused me a tremendous amount of emotional toll and felt threatened by this company.

Company response to consumer: Closed with explanation