BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-07
Company: ALLY FINANCIAL INC.
State: VA
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 purchased a new car in early XXXX of 2017 from XXXX XXXX in XXXX XXXX, Va and have XXXX hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my XXXX report. I also have XXXX hard inquiries on my XXXX report from Ally Financial.

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 2017-09-20
Company: WELLS FARGO & COMPANY
State: CA
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 customer service

Complaint:
Please note that I entered a agreement with Wells Fargo Bank Cash Back Signature Card.in XX/XX/XXXX 1year 6 months ago regarding a credit card visa ending in XXXX which is now closed in the amount of {$120.00} per month. I have paid consistently even in the month of XX/XX/XXXX. I noticed today TuesdayXX/XX/2017 that I did not receive my XX/XX/XXXX statement. I went to the Wells Fargo Bank branch located at XXXX XXXX XXXX, XXXX, CA XXXX   XX/XX/XXXX I spoke with the Wells Fargo Bank teller XXXX of Wells Fargo Bank told me that my bill for the month of XXXX was {$280.00} instead of {$120.00}. I told XXXX that my monthly bill is {$120.00} per months he advised me to contact the credit department

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 2018-01-07
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX has put a judgement on me and wage garnishment over a discover account I never had applied for. Every year they put a hard inquiry on my credit report without my consent. I do n't know what they want from. This is illegal practice of theirs. They need to remove this judgement off me because they have no valid proof that debt belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as Social Security Number or Date of Birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

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 2022-01-17
Company: JPMORGAN CHASE & CO.
State: TX
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:
I have a Chase Visa card, After raising a dispute on a transaction, Chase/Visa first waived the charge on my account. 
But before presenting me with any documentation on what the seller had to say, and giving me a chance to respond, Chase/visa has put the charge back on my account. 

In this specific case, I had booked a hotel for couple of days on XXXX and within couple of hours decided to cancel the booking. I tried reaching a human customer care representative and I couldn't find anything on their website to that end. The bot kept advising me that the cancellation depends on the hotel 's cancellation policy. I tried calling them multiple time and even wrote an email. Their phone is not functioning and no one responded to my email. There was no way for me to contact anyone on either XXXX and XXXX XXXX near XXXX. 

XXXX said that the hotel had charged me for a no-show which is first day of the total booking. But Chase/Visa decided to put the full charge of the booking on account without providing any notice of the dispute resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had flood damage on XX/XX/2019. A claim was made with our insurance company and a settlement check was sent to Ditech, our mortgage company at the end of XXXX. Ditech has not re-issued the check to us for the damages. We have made numerous calls to them, and, get a different story every time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
My credit report all messed up and it should be excellent I have had no credit card no car payment no house payment It 's XXXX 2014 is when XXXX and TransUnion messed up my score it 's XXXX please help me I 'm homeless due to XXXX XXXX A XXXX Veteran Dependant Survivor Not only that my family are upstanding citizens that owned there own business in XXXX Oregon my grandfather used to be a XXXX when they used to drag logs by horseback my father very well renound was a XXXX in the same shop That house was in our family for over 100 years Please fix things I deserve a much needed brake I also have a Meteor That 's huge

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: EQUIFAX, INC.
State: IL
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: Problem getting your free annual credit report

Complaint:
On XX/XX/2019 I attempted to obtain my Free Annual Credit Report from Equifax via the website XXXX. As in years past when attempting this action, Equifax refuses to comply ( despite successfully proving my identity through their questions ) and states that I must send sensitive data through the mail and wait for them to send me my report. No wonder they got hacked. 

On the same day as noted above I contacted Equifax via their telephone number XXXX and requested help. The operator then successfully verified my identity and then stated I would have to request my report by mail. When I asked for her name she stated it was XXXX and she was operator number XXXX. When I asked whether she worked directly for Equifax she stated she did and when I asked where she was located she said the XXXX. An overseas operator handling extremely sensitive credit information? Not very safe. 

I want my free annual credit report that I am legally entitled to by law and I would like it within one week. I would also like a written apology from Equifax. The law doesn't state that I have to send in pay stubs, a driver license or any other information via an unsecured method in order to obtain said report. I am seriously considering filing a lawsuit myself and am also requesting that the Federal Government fine and/or sanction them for failure to follow the law in good faith. 

What really makes this painful is knowing that I could walk into any car dealership, give them some basic information and they could get a credit report from Equifax in a matter of minutes if not seconds. 

Please get me my free annual credit report and fine and/or sanction them. For far too long they have gotten away with the harrassment of millions of US Citizens.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TELEPHONE NUMBERS : XXXX XXXX XXXX XXXX XXXX XXXX PLEASE STOP ALL THESE SPAM CALLS WE HAVE BEEN ON THE DO NOT CALL LIST SINCE XX/XX/2003 2003

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 DAYS - XX/XX/XXXX ; 60 DAYS XX/XX/XXXX ; 60 DAYS XX/XX/XXXX ; 30 DAYS XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 explanation
Consumer complaint received 2017-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Atlas Credit Company, Inc.
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Atlas credit, XXXX, Va, XXXX XXXX, came to my job to collect on a debt, it is very embarrassing and causes disruption at work.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reached out to Hunter Warfield with a credit repair agency. On XX/XX/2022. We informed Hunter Warfield we sent a letter for debt validation and they didnt respond within the timeframe permitted by law. I did ask on the call if they can provide proof of debt and also why are they adding interest to the debt and they failed to offer an explanation also Hunter Warfield advised me they will submit a dispute on their end but didnt provide me with a timeframe when it will be completed. Hunter Warfield told me they will let me know when they get ready. I found this company to be very unprofessional, aggressive and very threatening. Hunter Warfield please remove the invalid debt from all three of my credit reports, your company have cause stress on my lively hood and affecting me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Citicard has me listed as a authorized user for a card I never applied for or signed anything for. I have tried calling citi card but they no info with my information they said I need to know who opened account on put me as a authorized user. Which I dont know.

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 2021-03-06
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: Old information reappears or never goes away

Complaint:
I have tried to dispute this account over and over again with both Transunion and XX/XX/XXXX The collection agency has provided me with proof that the account first became delinquent in 2014 and it should come off because it is past the 7 year limit for collections. Please find the attached proof.

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 2022-01-17
Company: WELLS FARGO & COMPANY
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Wells Fargo Checking had {$450.00} unauthorized withdrawn. Upon calling bank I am waiting on transaction to post to refund instead of stopping the pending unauthorized 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 2020-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
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, violated my 609 rights by reporting incorrect information to my Transunion credit profile for others to see.They have violated my rights to have fair and accurate information on my credit report. My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my consumer rights.

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 2018-06-05
Company: EQUIFAX, INC.
State: MD
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 recently reviewed my credit report and found unauthorized inquiries. 
I tried to contact the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be  inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX Inquiry Date XX/XX/XXXX Business Type Mortgage Reporters XXXX BYMAILONLY XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX Business Name XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XXXX XXXX BYMAILONLY XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX Business Type All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Business Name XXXX   XXXX Inquiry Date XX/XX/XXXX Business Type Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Business Name XXXX Inquiry Date XX/XX/XXXX Business Type Personal Loan Companies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
For over a year XXXX to XXXX plus and to present I have been illegally denied all access to cash out references, no equity line of credit, not allowed, no 2nd mortgage. I had perfect credit, good debt to income, current pay check, only wanted 10 % of the $ 250k equity in my house. I would have been debt free AND lowered my mortgage payment.!!!!! It was the smart thing to do. All California banks including federal credit unions denied me, all healthcare benefits are always denied both VA and the XXXX XXXX XXXX openly and in writing steal everything from me. For more than 3 years now Im 16 months behind on my mortgage cant walk no gas and the cfpb is responsible for helping them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: CNG FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
This company has repeatedly reported this item incorrectly on my credit. I'm dealing with a debt settlement company that specializes in this hard money, very high interest loans in settling them so the creditor doesn't take a complete loss via bankruptcy. I didn't want to file because I felt there was another way to do this. They've been taking payments since last XXXX and are scheduled for the last payment to take place in the amount of {$700.00} this month. Then the debt is considered paid as settled. Yet they continually keep updating the credit bureaus stating the account is charged off for over $ 4K! It's not true and this is the 3rd time I've had to report them for inaccurately reporting this account on my credit. It's wrong on all 3 bureau reports. The agreement they signed is attached as proof yet again, that this very slimy company continues to pretend they don't know exists. I would suggest contacting their corporate office who is the one that made the agreement, without the knowledge of their rogue collection dept. who keeps trying to say I owe them more and the account was charged off. If they don't fix it I will find an attorney and have the item permanently removed from my credit. If they put it back on after that as a charge off then I'll be happy to sue them! They've repeatedly violated this agreement!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 recently reviewed my credit report and found unauthorized inquiries. 
I tried to contact the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be  inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX Inquiry Date XX/XX/XXXX Business Type Mortgage Reporters XXXX BYMAILONLY XXXX XXXX XXXX XXXX , XXXX  XXXX Business Name XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX Business Name XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Business Name XX/XX/XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XX/XX/XXXX BYMAILONLY XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XX/XX/XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX , XXXX XXXX Business Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Finance Companies - non specific XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Business Type All Banks - non specific XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XX/XX/XXXX XX/XX/XXXX Inquiry Date XX/XX/XXXX Business Type Automobile Dealers, Used XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX Business Name XX/XX/XXXX Inquiry Date XX/XX/XXXX Business Type Personal Loan Companies

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