BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
As provided by the Fair Credit Reporting Act, I noticed there are several inaccurate items on my report. Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information. According to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. Delete these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of the West has been double charging for my use of a debit card to withdraw from a NON BOW ATM during the month of XX/XX/XXXX. I understand that I may be charged by a fee for withdrawal of cash from the non bank atm by the owner of the atm and also I understand that Bank of the West will charge {$2.00} for using a NON BOW ATM. What I do not understand is that Bank of the West has charged for balance inquiries on top of the withdrawal service charge in effect doubling the cost per transaction to {$5.00}. I have no need to use a NON BOW ATM for balance inquiries as I have a BOW telephone app that provides access to my account for free. Also Bank of the West does not list any of the alleged balance inquiries on my statement but merely stated a Service charge fee that is double what it should have been. My XX/XX/XXXX statement shows 11 withdrawals from a Non bank Atm. Therefore the Service charge should have been a total of {$27.00} and not {$55.00}. The bank responded by stating that the addition fees where for balance inquiries providing me a list of dates that inquiries were made twice. They have not provided me more detailed information as to the times that such inquiries were made or if they were made at the same time as the withdrawals. Furthermore I see that balance inquires on four occasions were made twice on days that money was not withdrawn from the Non bank Atm. The bank has so far declined to credit bank to my account for the {$27.00} overcharge.

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 monetary relief
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
As provided by the Fair Credit Reporting Act, I noticed there are several inaccurate items on my report. Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information. According to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. Delete these inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed some information, account which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please block/remove this files. Fraudulent account : US DEPT ED XXXX Date Opened : XX/XX/2017 Balance : {$25000.00}. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-09-02
Company: EdFinancial Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I called and emailed Edfinancial services on XX/XX/22 requesting a {$10000.00} balance be reinstated on my student loan account and refunded via original payment method. They did not respond to this request via email, and the customer service rep over the phone told me they could not give me any information about it at that time. I called back on XX/XX/22 requesting a {$10000.00} balance be reinstated on my student loan account and refunded via original payment method. I also asked for a timeline of how long this balance will be reinstated, when I would receive email confirmation of such request, and how long the refund will take to process. The customer service rep refused to give me any confirmation that the request was made, and also could not give me a straight-forward answer regarding timeline for the balance being reinstated and refunded. 

As of XX/XX/22, I still do not know when the {$10000.00} balance will be reinstated to my student loan account, when the {$10000.00} refund will be returned to my bank account, and I do not have any email confirmation of such requests. It is unethical they can not provide me with proof my requests and/or a timeline for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX my primary checking account became overdrawn for a payment that came thru in the amount of {$600.00}. On XX/XX/XXXX I visited a branch of XXXX in XXXX, Texas and explained to the account representative what was happening and that I had every intention of covering the overdraft before the 30 days had passed. 
On XX/XX/XXXX, XXXX transferred {$670.00} out of another checking account I have, without notifying me and leaving me at XXXX, and deposited it into the overdrawn account. It has only been 22 days that the account has been overdrawn and now my other account is being put in jeopardy as I have payments that are going to be coming thru tonight. I spoke to XXXX in collections this morning, XX/XX/XXXX at XXXX, and she could offer no assistance to me. I explained to her the life changing event going on in my life, divorce, and even gave a promise to cover the entire overdraft by XX/XX/XXXX. Again, I received zero assistance from her, just an " I'm sorry Mrs . XXXX. '' I was then transferred to XXXX XXXX, collections manager, and his only resolve was that he could transfer {$200.00} back and that was all. I have a 15 year background in banking and I know that is not true. If I had over {$100000.00} in my bank account, I guarantee I would not be having these issues with Chase Bank. My accounts have been in good standing and I feel I am being treated unfairly as my banking institution, again, is not willing to help. 
Back in XX/XX/XXXX, I filed a complaint against XXXX due to not being fully reimbursed when my online banking account was compromised. XXXX was not willing to help me recover all the monies that were stolen from account, only what they could recover from the account the monies went to. After filing the complaint, I had the difference owed to me within 10 days. 
I am very disappointed in Chase Bank and will be closing my accounts once this matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
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: 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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2019-04-18
Company: Bridgecrest Acceptance Corporation
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Fell a few days late on my second payment they stared calling my phone 10 plus times a day even when i would answer and explain my situation and advise on the day i could have a payment drafte out of my checking account which would be the following wensday the agent refused to set up my payment or skip a payment as their website said they could do so i posted a check on their site my self for two paymentd they went in and cancelled my payment and put my acount in repossession status i reset the payment as a posted dated check again for it to draft on the wendsday for the double payment they repossed the car 1 day prior to the day when my payment would have covered when i called to offer the the XXXX plus the repossesion fee to recover the vehicle they where rude and stated that i would have to pay 16000.00 + so not only did i loose the vehicle i lost XXXX down payment not including the prior payment that did take out my account ... they prey on me and will resell this vehicle repeatedly taking people down payments the and reposssing cars as soon XXXX your 4 days late exc.. Repeatedly i do not recommended Bridgecrest

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 2022-09-02
Company: Experian Information Solutions Inc.
State: MO
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:
A submit of a rental application on XX/XX/2022 that include a payment by debit for fees of $ XXXX {$60.00} to reserve and process the application at XXXX XXXX XXXX to lease an available property the company that assist with the approval is XXXX XXXX XXXX located at XXXXXXXX XXXX XXXXXXXX XXXX XXXX UTAH XXXX Tele # XXXX along with Experian Located at XXXX XXXX XXXX XXXX XXXX TEXAS XXXX # XXXX I received an applicant adverse action Letter stating that XXXX XXXX  had no involvement in the decision and cant provide details of the denail but it states that XXXX XXXXExperion acted together to provide the results. I would like to requests in writing from both companies of any and all parties involved with this descision including third parties if I can please be provided on a way to fix this as it is causing time being wasted in finding proper housing and causing issues with my rental applications I would like it resolved immediately I was advised by XXXX that the return of the {$250.00} will be return ed b y the form of a check but the fee to process the application will not be returned

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 2021-04-08
Company: FIRST PORTFOLIO SERVICING 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:
Vervent closed my credit card account because they claim I filed a fraud alert on my account. I assured them that I didn't and they told me to fax a letter stating that I did not file my account as fraud and that it would be re-opened. We went back and forth where they claimed they never received the letter although I had proof that the letter was delivered numerous times. Vervent gave me a new account number. Then closed the new account number as well. Fast forward, they are now reporting 2 duplicate negative accounts on my credit report. One showing as closed and the other is showing as opened. I called them and they told me to dispute it with the credit bureaus. I did and they disputes came back verified. I want these accounts immediately removed from all credit report agencies as they are duplicated and are reporting inaccurately.

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 2019-11-29
Company: CITIBANK, N.A.
State: ME
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: Card was charged for something you did not purchase with the card

Complaint:
My Citibank credit card company notified me that a charge was made in Florida at XXXX 's for {$920.00} and asked if I had made the purchase. I said no ( I ordered nothing at XXXX 's or anywhere else in Florida ). Citibank then credited my account for the fraudulent amount. In XXXX, however, they charged my account again for double the {$920.00} charge. They said that I had been credited twice, once by them and once by XXXX. Since they cancelled the previous account and sent me a new card, I saw no evidence of this double debit. However, even if I had been credited twice, since I never made the fraudulent charge, I should not have to pay twice. One credit I could understand paying for but, since I never made the charge, not both.

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 2022-09-02
Company: EQUIFAX, 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:
The Credit Bureaus have done nothing! I have been disputing the fraudulent items reporting on my personal Credit Report by submitting numerous dispute letters as well as submitting CFPB complaints addressed to the Credit Bureaus and it is clear that the Credit Bureaus have done nothing! NOTHING AT ALL! I have read that the Credit Buruas are required to remove any accounts and information that resulte due to identity theft under the FCRA section 605b. But I see here that the Credit Bureaus continued reporting the disputed items without providing me copies of documents to prove the Credit Bureaus ' claims. This act by the Credit Bureaus is a clear violation of my rights under the FCRA Regulation. I am now submitting this CFPB complaint to request that the Credit bureaus remove the disputed items as soon as possible from my Credit Report. I need teh following items deleted completely from my Credit Report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$250.00} US DEPT ED XXXX Balance Owed : {$1700.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1100.00} XXXX XXXX  XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX AN # XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I recently look at my credit and I see that these companies is still on my credit report. I have reached out to the companies serval times and still haven't gotten these issues resolve. I wrote a letter and asked for verification to XXXX XXXX XXXX XXXX they have not sent me any documents bearing my signature as of today. The following companies is : Cavalry Port - XXXX XX/XX/2019. I would like your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: EQUIFAX, INC.
State: TX
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:
XXXX   XXXX  issued by  XXXX   XXXX  Bank 30 day late payment has been noted on my credit report.     My law firm has  FIVE t imes contested this negative mark on my credit report.       XXXX   XXXX   XXXX   refuses to remove it from my credit report.      XXXX  xxxx xxxx xxxx  XXXX   Date Open   XXXX    XXXX   The statute of limitations has passed.     Please remove this 30 day late notice from my credit report.     Thanks in advance.      XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: JPMORGAN CHASE & CO.
State: GA
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:
On XX/XX/2021 I made a purchase at XXXX XXXX of a tool set that did not arrived. I then contacted XXXX customer service for resolution, and XXXX planned to track the shipping. XXXX claimed to have the item delivered, however he not not delivered. XXXX then offer to refund my money for missing items, but that never happened. I then contacted Chase Credit card to dispute the charge. Chase later reverse the charge without communication. I attempted to contact Chase to better understand the situation, but no answer till today. 
I believe Chase did not support that charge and resolved my issue according to the situation. 

Item purchased : XXXX XXXX XXXX Cordless 6-Piece Kit  ( Drill-Driver/ Impact Driver/ Circular Saw/ Recipro Saw/ Vacuum/ Light ) XXXX Model # XXXX Store SKU # XXXX XXXX XXXX XXXX XXXX Bit Set ( 60-Piece ) Model # XXXX XXXX SKU # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Pre-Lit Artificial XXXX Tree with 750 Color Changing XXXX XXXX Lights Model # XXXX Store SKU # XXXX Total Charges : {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 according with the Fair Credit Report Act XXXX XXXX XXXX account number XXXX, has violated my rights. 

15 .U.S.C 1681 section 206 A. States I have the right to privacy.

15 U.S.C 1681 section 604. A section 2 : It States a consumer Reporting can not Furnish an account without a written description.

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 2021-04-08
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did not know about this debt till I received a letter from ERC near the end of XXXX. The debt is not valid and they posted this as a past due debt on the 3 Bureau Credit Reports without informing me of the debt. this is now being reported as a deregatory item even though this was not communicated till late XXXX. 

I contacted ERC and stated this is not valid and that the debt needed to be removed. i told them i would file complaints and take necessary legal action for this erroneous Credit Reporting actions they took without ever communicating the debt. They stated I had to prove that I did not owe the debt. Which I stated no, you need to show me this is a legitimate debt and they had no evidence to provide.

Company response to consumer: Closed with explanation