BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To Apply XXXX Credit to Account XXXX On XX/XX/2023, XXXX fraudulent charges ( XXXX for {$240.00} to XXXX, and XXXX for {$190.00} to Sanesolution ) totaling {$440.00} were made on our XXXX credit card. On XX/XX/XXXX The company ( XXXX ) resolved the dispute in our favor and credited our XXXX account. ( However, the XXXX account was deactivated due to the XXXX case ) so our new account XXXX still shows that fraud charge. We have been trying since XX/XX/XXXX to have the fraud charges removed from our XXXX account and was told that we would see the correction in the XX/XX/2023 statement. However the charge was still there. We were told they would request an investigation to correct the problem, but someone forget to include all the previous history, so the charge is still there. We have contacted them several since, with no result. Finally we were told on XX/XX/XXXX that the credit would be applied in XXXX to XXXX business days. However, not only did they not credit the account, they also added interest on the fraud charge. Please, help us resolve this matter as soon as possible. Thank You! Thank You!! Thank you!!!

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 2023-07-03
Company: EQUIFAX, INC.
State: TN
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX Is reported improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I sent certified mail XXXX XXXX XXXX XXXX XXXX that was also notarized requesting that Experian remove any credit freezes and fraud alerts from my credit file. Experian failed to respond. In turn, I sent a second certified letter XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I also placed a call to their fraud department at XXXX today and was advised they received my correspondence but require my driver 's license and a copy of my social security card in order to remove the alert and freeze. When asked if they have a current copy of my driver 's license and social security card on file, the agent replied " no ''.

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 2023-11-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Over the past six months or so, I have written numerous times and have called requesting that my Personal Information be corrected for accuracy to avoid misidentification. I requested that reported name and address on credit report be corrected, per my submission of Identification Documentation, i.e., Driver 's License, Social Security Card and Auto Registration Card. Company has failed to completely correct my personal information, despite Identity Verification. Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
We took delivery of our new vehicle in the dark and in a thunderstorm, late in the evening after spending hours at the XXXX XXXX XXXX XXXX on the date of purchase. When we first saw our vehicle in the daylight the next morning, we made several startling discoveries including a damaged front bumper, a large dead beetle wedged into the firewall and a torn window sticker stuffed into the glovebox with all of the federal disclosures and EPA disclosures missing. We immediately requested a reprint of the original window sticker along with all federal and EPA disclosures. When we finally received those disclosures almost two months later on XX/XX/2017, we also discovered proof of {$2600.00} in undisclosed charges tacked onto the price of our vehicle for add-ons that were never installed, including window tint. That missing window sticker that shows the MSRP inflated {$2600.00} to {$42000.00} is also attached. Additionally, when we compared the attached Buyers Order Agreement pages printed at XXXX XXXX. on XX/XX/2017, we noticed that the rebate listed was only {$5000.00}. This is in direct contradiction to the attached E-mail message that we received from XXXX XXXX at XXXX earlier that same day, XX/XX/2017, at XXXX XXXX promising Triple Savings {$8400.00}. This is the E-mail from XXXX XXXX that lured us into its dealership. In addition to overcharging us {$2600.00} for items that were never installed, XXXX XXXX failed to provide us {$3400.00} in promised savings that were used as inducement for purchase. XXXX XXXX owes us {$6100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: SIMMONS FIRST NATIONAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a quote sheet from XXXX XXXX for a 2.625 % rate home mortgage refinance with XXXX XXXX XXXXXXXX XXXX on XX/XX/2021 ( XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I filled out and signed an application prior to XX/XX/2021. Since that time, I am told XXXX XXXX XXXX XXXX  was acquired by Simmons Bank and I received a new quote with a new origination fee that was not on the prior quote. During the acquisition by Simmons Bank, no loan officer would respond to any email or phone call for 21 days. Over the last four and half months, I have had 7 rounds of lengthy document requests ( averaging 20-30 documents per request ). Many of these documents I have provided 3 times as I am told they are now out of date. The typical pattern is I receive a document request and it takes 5-7 days to round up the 20+ documents to submit. I hear nothing for 2 weeks then there is a follow up request for supporting documentation which takes 5 days to round up and submit. After another 2 weeks of hearing nothing, I am told all bank statements + P & L 's + other documents are out of date and we need to start over. I have done this cycle three times and have hundreds of emails to prove it. During the last four and half months, mortgage rates have increased a full percentage point and there is no end in sight for the continual document request cycle. 

I do not understand why interest rates lock for 45 days but after 135 days I have not been approved for closing or denied, and I have now lost the favorable rate environment where I could have applied to another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Chase Bank advertises on XXXX XXXX XXXX that one can open a checking and savings account online and receive a {$350.00} bonus. As the nearest Chase Bank location is a long way from my home, I tried several times to open an account online. 

I have had a Chase Bank credit card for over a decade, but am a new banking customer. 

The first time I tried to open an account, the web page asked if I'm an existing Chase customer. I clicked on 'yes ' and tried to log in but it did not recognize me as an existing customer. So I input all the required information and got a message " We were unable to open an account for you. '' I phoned Chase customer service and was told that my credit cad was in good standing, and they did not know why I couldn't open an account online. The rep suggested that I come into a branch, and I explained that there is no Chase bank a reasonable distance from my home. 

The second time I tried to open an account online, and when I input my information, the web site said some information was missing, but did not state what information. " It looks like you've missed some required information. Please try again. '' I had entered all the required information. 

Chase is engaging in false advertising by stating that it is possible to open an account online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: MD
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
Good morning guys, I am XXXX XXXX XXXX XXXX, I noted that my credit report through XXXX XXXX has an incorrect information. 
My mortgage account with XXXX XXXX XXXX XXXX XXXX still open and in good or excellent status. 
The only things is that the names in that account was changed from my Mother ( XXXX ) and me to my only name because of donation of my sister participation. 
The account never has being closed. 
So please correct this information that affect my credit score, with XXXX XXXX XXXX XXXX XXXX 

Sincerely, 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 explanation
Consumer complaint received 2023-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting 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 am a victim of identity theft and the following accounts are not authorized by me nor did i give permission to furnish them. these accounts and inquiries need to be removed immediately. capital one account number XXXX, the FTC say the regulation is XXXX upon receipt to remove accounts and inquiries due to identity theft. I included the FTC affidavit that needs to be followed upon receipt and states it must be followed in four days. I also included ceased and desist that all parties need to adhere too in 4 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently discovered a discrepancy on my credit report with an outstanding balance that I did not recognized. I called the collection agency ARS at XXXX and I was told that someone in Florida received medical on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX at XXXX XXXX XXXX room in XXXX XXXX Florida using my SSN. At the time that the services were rendered, I was and is still living in Virginia. The account numbers that I was given are account # XXXX for {$560.00}, account # XXXX for {$280.00}, account # XXXX for {$280.00} and account # XXXX in the amount of {$290.00}. These charges are fraudulent and they are causing some issues for me. 
Upon the conclusion of my call to the creditor the representative at ARS advised to file a report concerning the matter with the Federal Trade Commission which I did immediately XX/XX/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 explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Identity theft on my credit report I would like the items removed. It is unlawful to report any fraudulent information on my credit report, thank you.

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 2019-12-27
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I used the app XXXX, looking for a new XXXX. I found an XXXX XXXX XXXX for XXXX dollars which is relatively cheap and messaged the seller. His/Her name was XXXX XXXX, they informed me that they could ship the item out which seemed like a good idea at the time but turned out not to be. They told me I could use Zelle which is a money transfer app that I thought had buyer protection but it turns out it didn't. I sent XXXX dollars through zelle and they even faked a shipping label. Zelle will not return me my money and although it is not a huge loss, I would like to stop him/her from scamming others. I have already reported this through the app and no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Transunion is reporting incorrectly that I am 60 days past due on XXXX/XXXX partial account number ****XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 am a victim of identity theft and the following accounts are not authorized by me nor did i give permission to furnish them. these accounts and inquiries need to be removed immediately. XXXX  XXXX account number XXXX, XXXX  XXXX  XXXX  account number XXXX, XXXX XXXX  XXXX account number XXXX. the FTC say the regulation is 4days upon receipt to remove accounts and inquiries due to identity theft. I included the FTC affidavit that needs to be followed upon receipt and states it must be followed in four days. I also included ceased and desist that all parties need to adhere too in 4 days.

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 2022-09-21
Company: Experian Information Solutions Inc.
State: NC
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 Agencies have not complied with my requests as well as the Fair Credit Reporting Act and continued reporting the disputed accounts and information as verified without sending me copies of proof of verification. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Under the Fair Credit Reporting act section 605b, the Credit bureaus are required to remove any accounts and information that resulted due to identity theft. The Credit Bureaus have failed to comply with the two Federal Regulations and is punishable by law. If the Credit Bureaus have claimed that the disputed items belong to me, they should have sent me copies of proof of verification and informed me of their findings, and yet the Credit Bureaus have not done so. I am submitting this CFPB Complaint to request to the Credit Reporting Agencies to please remove the disputed fraudulent accounts and information as soon as possible. Here is the list of accounts and information that were opened due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$75.00}

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 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
My name is XXXX XXXX XXXX. I paid XXXX XXXX XXXX on XXXX {$840.00} to pay off my credit card and they keep telling Transunion Credit Bureau that I still have a balance. I disputed this 3 times. I don't know if it's Transunion or XXXX XXXX lying to me but I need your help because. I need my credit report done fair and correctly. I'm including info where I paid them off completely and my balanxe should be reported as XXXX balance. Thank You.

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 2023-09-24
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting 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 have listed on my credit report the name XXXX XXXX. 
I have been the victim of online bullying and identity theft. 
Please complain to have the name removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$2700.00XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXXXXXX Balance : {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The wrong personal information is on all 3 of my nation wide credit reporting companies XXXX, experian, XXXX, and fico score also.

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 2022-09-21
Company: KLS Financial Services, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
KLS FINANCIAL SERVICES ( Original Creditor : XXXX XXXX  ) is reporting on my personal credit file with ( XXXX XXXX credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
KLS FINANCIAL SERVICES ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$340.00}

Company response to consumer: Closed with explanation