BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-20
Company: U.S. BANCORP
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:
On XX/XX/2018 I had Hard inquires on my credit that I did not authorize and the companies can not show or prove where I gave them permission to run my credit I have talked with all credit bureaus and they all say they can not and will not help or do anything
I am attaching a list of companys that hit my credit some even hit twice in 1 day
I am looking for the prove where I gave them permission to run 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 2020-10-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Recently on XX/XX/2020, I mailed out a validation letter to Wells Fargo Bank, Nevada. The reason for this validation is a report on my credit history that I have not previously received validation for in the amount of {$9800.00}. Today, on XX/XX/2020 i received this same letter back with a return to sender stamp, unclaimed. I have also made a 2nd attempt to reach the company via fax, their fax number on record currently being XXXX. I have no recollection of this debt, and my request for validation of this debt has not been provided.

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 2023-09-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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:
The unauthorized inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

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 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 2019-08-23
Company: CURO Intermediate Holdings
State: AL
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 pulled my credit the first week of XX/XX/XXXX and found a number of unauthorized inquiries, this being one of them. I sent them a letter dated XX/XX/19 that asked them to either provide me with proof of authorization or remove this inquiry from all of my credit reports because I do not recognize and did not authorize such inquiry. It's XX/XX/19 and I still haven't heard from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: EQUIFAX, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
OnXX/XX/2019, I received an email from Chase confirming an address change made on an account. I do not have active accounts with Chase and have not for almost a decade. I was suspicious and contacted their Customer Service, who advised me to forward the suspicious email to XXXX. I did so, and on the same date I froze all of my credit reports. On XX/XX/2019, I received another email, welcoming me to my new Chase savings account. I forwarded this email as well to XXXX, although I had not received a response to my previous email. On the same date, I contacted Chase customer service and, after multiple transfers, was able to speak with someone in the Fraud department who advised the account was opened fraudulently online using my information, and that the account had been deactivated. On XX/XX/2019, I received another email associated with the savings account, which suggested to me that the account was not deactivated after all. The next day I contacted the Fraud department at Chase again. The representative reiterated that the account was deactivated, but could not verify the email that was sent, and would not provide further details "for the security of the account." I do not believe that Chase has deactivated this account, and throughout I have been frustrated by their unwillingness to take seriously this fraudulent activity. I understand from my conversations with Chase that the account was opened online, and the representative on XX/XX/XXXX advised to me that it is relatively easy to open a savings account online with little verification. At best, Chase is willfully negligent regarding fraudulent account openings; at worst, this is akin to the XXXX XXXX   scheme where accounts are purposefully opened by the company. I have received no response from the Abuse team to which my concerns were directed, and all of my calls to Chase have been unsatisfactory and/or inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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:
In accordance with the fair credit reporting act XXXX account number XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THIS DEBT IS MANY YEARS OLD AND IS SHOWING UP ON MY CREDIT HURTING THE LENGTH OF MY CREDIT HISTORY. THIS FALSE REPORT IS ILLEGAL AND SHOULD BE ELIMINATED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: DISCOVER BANK
State: NY
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:
I pay my son 's Discover card balance as well as my wife 's Discover card balance from my XXXX checking account. This month Discover misapplied {$3100.00} intended for my wife 's account/balance to my son 's account. On XX/XX/2021 I contacted Discover and advised them what they had done. They stated that there was nothing they could do to correct the problem ( they had caused ) as I did not have a Discover account. After my wife and myself were bounced from multiple customer service reps, Discover said they would try to credit my XXXX account with my {$3100.00} as I requested. The {$3100.00} that had been credited to my son 's Discover account in error has been reversed but I have not received my {$3100.00} to date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 consumer reporting agency may not furnish an account without my written instructions, under 15 USCs 1666 B a creditor may nottreat a payment on a credit account under an open and consumer credit plan as late for any purpose.

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 2019-01-24
Company: CITIBANK, N.A.
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
Billing dispute of {$950.00} was opened for over charged purchase, conditional credit applied to account during investigation Investigation decided in my favor, letter dated XX/XX/XXXX stated {$950.00} conditional credit would be permanent. 
{$950.00} credit was not made permanent, it was reversed. 
Attempts to contact Citibank have gone unanswered. 
My statement is now due and I had to pay the disputed amount to avoid late payment fee. 
Credit my account {$950.00} as stated in the XX/XX/XXXX letter plus interest.

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 2018-09-04
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is correspondence and claiming that I owe for an account for XXXX XXXX and XXXX XXXX XXXX not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Due to COVID-19 I am experiencing unprecedented financial hardship. I sought to contact Capital One regarding the annual membership fee of {$39.00} on one of my cards. They have advertisements, web pages and mail that says they are helping their customers. A Capital One Spokesman even said " The specific provisions offered really depend on the individual customers needs, but can include fee suppression, minimum payment assistance and deferred loan payments ''. Fee suppression in this instance implies to me as a customer that they will not be charging or they will be assisting clients of the bank in their financial hardship. 

This is very misleading and damaging to Capital One and their integrity. I did not have a balance due nor have I used the card ( s )  yet now I have to chose between groceries for my family and paying a Capital One member fee of {$39.00} and {$19.00} despite comments made by an official making statements on Capital One 's behalf stating they will be helping and will be conducting fee suppression. 

I believe this constitutes a regulatory contradiction. An official says one thing and the bank 's employees conduct negative or no action directly against what the company 's official spokesperson said to the public.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my report : Late Close XXXX  XXXX XXXX {$0.00} Charge Off XXXX XXXX {$600.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$4900.0XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX {$300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$7400.00} XXXX  XXXX {$1100.00} XXXX XXXX {$3500.00} Date Opened : XX/XX/XXXX XXXX XXXX {$700.00} Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX  XXXX {$710.00} Date Opened : XX/XX/XXXX XXXX XXXX {$500.00} XXXX  XXXX  XXXX {$1200.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Just over a year ago my wife and I applied for a secured credit card with TD bank after having our bankruptcy discharged the previous year. We were told that it would take about 6-7 months and they would upgrade us to a regular card. We had to put some money into a savings account that would not be accessible. We each put {$1000.00}. It's been more than a year and we asked the bank to let us know why we are not getting upgraded and to give us a date. They have not provided us with that info. We have paid our balances always on time and pretty much in full. Our credit scores are in XXXX-XXXX 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I issued a {$50000.00} wire transfer on XX/XX/2018 from my Bank of America account to the company 's XXXX XXXX account. The same day I issued a reversal order because I mistakenly sent the funds to the wrong account. 17 Days later the receiving party was notified by XXXX XXXX of the reversal request. The receiving party consented to the reversal immediately. 45 Days later the funds are not back and there has been no communication from either bank.

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 2020-10-28
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My husband died in XX/XX/XXXX, complications due to XXXX, while vacationing in Vermont. After his death I discovered, my husband took a home equity against our home. He is the only signer on the account HOWEVER I am on the original mortgage AND I am on the deed. Since the pandemic I was granted two cycles of forbearance, now expired. I am trying to speak with ANYONE in SLS and they will not speak with me OR my attorney and give us the payoff for the closing. They are insisting on probate and a court-appointed representative. According to the Massachusetts licensed estate, bankruptcy, and real estate attorneys I have consulted, this is NOT necessary as we had a will. SLS is unwilling to allow us access to this debt, by speaking with me and providing a payoff and therefore have begun foreclosure proceedings. The last conversation my real estate attorney had with SLS was on XX/XX/XXXX. I have a purchase and sale agreement from XX/XX/XXXX, and a projected house closing in early XX/XX/XXXX. I have been attempting to speak with SLS and obtain information since XX/XX/XXXX. I am trying to dissolve this debt. I called today XX/XX/XXXX requesting the payoff amount but was refused this information. I have the money but I am unable to obtain an exact amount as my deceased husband was the only authorized party. According to Massachusetts law, I am the authorized party as I am the surviving spouse ( with a will ). I am being held captive by this loan company and its unethical policies and their practices may impede the closing on my home.

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 2022-10-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX KEEPS REPORTING A NEGATIVE ACCOUNT ON MY CREDIT BUREAU REPORT. THE TRADELINE WAS REMOVED 3 YEARS AGO AND PUT BACK ON XX/XX/XXXX. EXPERIAN DID NOT CONTACT ME WITHIN THE 5 DAYS AND NOTIFY ME OF A DATE OF REINSERTION. XXXX  HAS NOT BEEN ABLE TO SHOW PROOF THAT THE ITEM BELONGS TO ME DESPITE SEVERAL ATTEMPTS TO REINSERT THIS ON MY CREDIT. I PROVIDED A POLICE REPORT TO EXPERIAN AND THEY STILL REFUSE TO DELETE THE NEGATIVE TRADELINE AGAIN. THEY HAVE BEEN UNABLE TO VERIFY THIS AND EXPERIAN IS NOT FOLLOWING PROTOCOL BY LETTING XXXX CONTINUE TO TARNISH MY CREDIT. I AM UNABLE TO REFINANCE MY HOUSE OR PURCHASE ANYTHING ON CREDIT BECAUSE OF THIS. EXPERIAN HAS ENOUGH TIME TO REMOVE THIS NEGATIVE TRADELINE AS I HAVE BEEN DISPUTING THIS ITEM SINCE XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX  XXXX DATE OPENED 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 2020-10-28
Company: WELLS FARGO & COMPANY
State: NJ
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:
Yes on XXXX I purchase a car XXXX XXXX XXXX, on XXXX I purchase a house maybe when I move the mail get lost and I did not get my title when I paid so at this time when I want to sell my car I look for the title and I remember that I never got it so immediately I when to motor vehicle on the beginning XX/XX/XXXX so I found out when the agent told me that lien release was never send it to them they provide me the XXXX XXXX so they can faxed to them and get my title but was not provided because when I called the bank told me that my social security is not the same I provide all the papers including the driver license when I purchase the car the bank account with the amount I was paying I email on XX/XX/XXXX and almost every day I call to see if they need some more information or requirements but every day is something new either don't find me neither with the vin # i feel that I paid my car a gost bank really very frustrated situation because my car been paid in full.all I want is my tittle something that I paid for.

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 2020-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2019-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
May of sent to wrong company but this is what your program out lined this is to the CFPB I request a Formal investigation of there credit reporting they are being deceitful

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 2022-05-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have disputed these fraudulent inquiries with Equifax multiple times. I've completed the FTC identity theft report and have faxed it to the bureau. I have notarized the documents and faxed it to them and yet no resolve. i am looking for Equifax to remove these inquiries immediately. I have attached the report and my fax confirmation. Thank you!

Company response to consumer: Closed with explanation