BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2021 I transferred {$3200.00} from my chase bank account to my recipient 's bank account in order to secure an apartment. The transfer was an international wire transfer from the US to XXXX. The amount was debited from my account and as of XX/XX/XXXX, the recipient has not received the funds. 

I have followed up with chase bank and they state they are unable to trace the funds and the wire transfer has been completed on their end. I have called on numerous occasions and visited the physical bank and chase has not been able to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-22
Company: EQUIFAX, 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX BANK NA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Kohls charge, I asked to be on Covarid miss payment. For XXXX, customer service said okay that if I needed next month to call back. 
Received statement, they charged my account with a fee and now have to pay {$90.00}. Instead of {$31.00}. I asked for hardship program, they stated the payment would be {$45.00}. For 25 months. Plan on paying account off next year. My husband and I are trying, but my last day of work was XX/XX/2020. I am not collecting unemployment. 
I have worked with most of our other creditors, There are 2 others I can't seem to get help from either. 

XXXX XXXX and XXXX 's appliance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-27
Company: AVANTE
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS XXXX AVANTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f )  Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AVANTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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  and Transunion are reporting incorrectly that I am ( 120 ) plus days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has long been closed. Please keep in mind that it would be impossible to be late on an account that is no longer active and has been closed. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2018-07-15
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XX/XX/2018 checking my credit report I see Equifax Removed XXXX points from my score for opening an account XXXX only XXXX with more changes on my report I feel Equifax is doing this to get back at me for the ongoing dispute I have with them .I never heard of that many points takin for opening a account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: SYNCHRONY FINANCIAL
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account is restricted and I have no access to my money. I need the restriction lifted. I received a loan for ppp and they locked my account because They needed to know where the money come from. I faxed my loan documents to them as they asked. I just need my money, I have kids and bills to pay.

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 2020-08-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1964 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATEXXXX ARS ACCOUNT RESOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Today I was informed that the credit line on my second Capital One card was lowered from {$20000.00} to {$10000.00}. A week ago I was informed that the credit line on my other Capital One card was reduced from {$15000.00} to {$5000.00}. I called Capital One after the first notification and was told that they reduced my credit line because I didn't use all of it over the last 2 years and there was nothing they could do about it. I have never been late on a payment and have always payed the full amount each month. My credit score has been in the XXXX 's for years. This will adversely effect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX  XX/XX/2020 Did not approve of this

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 2021-07-01
Company: EQUIFAX, INC.
State: IL
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 HAD AN ACCOUNT WITH XXXX XXXX, THEY CHARGED OFF THE BALANCE OF XXXX IN XXXX, NOW THEY ARE REPORTING THAT THEY CHARGED OFF THE BALANCE IN XXXX ( ONLY TO EQUIFAX ).

MY MORTGAGE LENDER SAID THIS IS ON A XXXX  XXXX REPORT AND I COULD NOT SEE IT, SO I CAN'T DISPUTE IT ONLINE. 
XXXX XXXX DENYS THAT IT IS REPORTING THE CHARGE OFF IN XXXX, MY LENDER SAYS THEY ARE. 
I WAS TOLD AS OF XXXX, XXXX IT SHOULD NOT EVEN BE ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
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: Information belongs to someone else

Complaint:
I do not recognize this account, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Credit Inquiries unauthorized, please removed immediately from 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 2021-07-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was denied for a loan with my bank that I have been with since I was XXXX. The Manager at the Bank went over my credit with me and there are so accounts on there that are not mine and they are XXXX, XXXX XXXX and there is one account that don! have a name but It did have somewhat of an account number XXXX. There are also 4 XXXX  student loans on there but there weird thing is that its only on XXXX. I dont even know how that Is possible being that I never graudated from high school. I have filed a complaint with the FTC and reached out to my local police. Can someone help im doing this on my own and need help.

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 2021-07-01
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I paid my Home Equity line and require a copy of my lien release to be recorded. I need the equity line account to reflect the {$9000.00} payment showing a XXXX dollar balance. Please email XXXX, and/or fax : XXXX any correspondence for this lien release. I have been requesting this on multiple occassions, please expedite as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
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: Account information incorrect

Complaint:
Firstly, Transunion is corrupted. 

Secondly, disputes with a credit bureau are lodged only when the financial institution refuses to cooperate. 

Third, I lodged a dispute with transunion against a wrong information provided by a financial institution. The dispute got closed by transunion within 48 hours. I called transunion and the operator said even though a bank/financial institution provide wrong information to the bureau, transunion at all times would have to honor the bank because at any given time the bank takes precedence over a consumer. 

Report Created On : XX/XX/2020 File Identification Number : 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was over charged on my account around 2011 and just received and email to refile claim because money is owed

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 2021-07-01
Company: HYUNDAI CAPITAL AMERICA
State: AL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
ISSUE WITH HYUNDAI MOTOR FINANCE My banker at XXXXXXXX XXXX XXXX XXXX my lease balance XX/XX/XXXX after I sent an odometer statement on XX/XX/XXXX. I have not received the title. 

I contacted Hyundai Motor Finance in XX/XX/XXXX and numerous other times ( sorry, I had an email glitch that erased old emails I was saving ) before my banker got involved and contacted them numerous times via phone and email. 

They continue to tell me that they have not received my signed odometer statement, though I have emailed it to the address they requested and faxed it to the number they faxed. The latest instance happened today. I emailed them a signed odometer statement to the email address they listed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I attended XXXX XXXX in XXXX, NY in XXXX. I went for less than a year. I was told that my credits could be transferred after I received an XXXX degree. When I found out that I was lied to and I could NOT transfer my credits, I left the school. XXXX XXXX took another loan out in my name after I left. When I spoke to an administrator about this they literally admitted what they " accidently '' did and said they would return the loan. They never did that. I was n't even in school for a year and I have {$22000.00} of debt from Navient. The school lied to me when registering about being able to transfer my credits and they lied about me taking out another loan. This school is closed so I ca n't even get any information from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Someone needs to do something about American Education Services ( AES ). I do not understand their purpose other than this company is operating similar to a payday loan company. Even though I have verified that I am on XXXX, AES continues to increase the interest every month, and both loans of {$3300.00} each which total {$6600.00} has ballooned up to {$17000.00} ( see attached statement ). Why is the Department of Education allowing this thievery? When a student contacts the Department of Education it only hears " crickets. '' AES will not make adjustments to their loans for XXXX students as XXXX. They are sticking to their guns -- making money. From its actions, AES does not expect this student to ever pay off this loan because as the interest rate increases, this student is getting older ( at XXXX years old ) and income will continue to decrease. AES refuses to accommodate XXXX students other than a decrease in graduated payments. No decrease in interest rate, no adjustment in loan amount, no change in payment classification ( graduated payments ), etc. as XXXX. This student has limited income and even though AES has decreased the payments to {$50.00}, the interest continues to accumulate and the loan amount increases. At the rate AES is going, in 20 years the loan amount will be almost {$50000.00} for a {$6600.00} initial loan. This student 's original payments were {$74.00} two years ago and kept increasing up to {$89.00} until I made AES aware that I am on XXXX. In response to this awareness, AES only decreased the graduated payments to {$50.00} a month with continued increase in interest to assist the student. Where is the logic?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
a store card from best buy was closed during covid for no reason given. card had XXXX balance and my credit score was impacted. we weren't given a reason just a phone call after disputing the matter. the person on the phone just said we can do what we want at anytime. they know they can't hurt our credit scores. when signing up we were at the understanding this was threw best buy store not a bank. they violated the fair credit reporting act by ruining someones credit score due to there own actions but not the actions of the myself.

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