BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-20
Company: JPMORGAN CHASE & CO.
State: AZ
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:
Edit this section What happened? 
Requested more info on {$39.00} charge I did not recognize. INK escalated to fraud incident. Weeks go by I hear nothing. I ask of matter many times. They obfuscate, harass me with phone calls, interrogate me etc. They just notified me the account is closed. Wise guys, bad news. I just asked a simple question. Below sent to INK XX/XX/18 Never have I dealt with such incompetent malevolent people. KEEP THE ACCOUNT CLOSED AT MY DEMAND. The {$40.00} charge for which I requested information you have turned into a harassing witch hunt. ADVISE WHAT THAT LAST CHARGE WAS FOR OR REFUND THE CHARGE. AGAIN, AT MY DEMAND, CLOSE THIS ACCOUNT PERMANENTLY!! 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 







Edit this section What would be a fair resolution to this issue? 
Tell me what charge is for or refund charge. 
Step 4 Edit this section What company is this complaint about? 
COMPANY INFORMATION CHASE BANK CREDIT CARD CARD NUMBER XXXX Step 5 Edit this section What people are involved? 

YOUR CONTACT INFORMATION XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , Arizona XXXX United States AFFILIATIONS Service details Branch : XXXX XXXX XXXX Status : Veteran XXXX : XXXX - XXXX XXXX XXXX / location : XXXX XXXX The information given is true to the best of my knowledge and belief. I understand that the CFPB can not act as my lawyer, a court of law, or a financial advisor. 
You will not be able to attach documents or edit this complaint after you submit it. 
Please make sure everything is accurate and complete before continuing. 

Submit your complaint About us The CFPB is an independent federal agency built to protect consumers. We write and enforce rules that keep banks and other financial companies operating fairly. We also educate and empower consumers, helping them make more informed choices to achieve their financial goals. 

HAVE A QUESTION? XXXX? 
( XXXX ) XXXX LOG INTO YOUR ACCOUNT Want to check the status of a complaint you already submitted? 

Username Password Forgot password? 
Log in Privacy Act Statement OMB # XXXX Have a question? XXXX? 
( XXXX ) XXXX An official website of the United States Government

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
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: Was not notified of investigation status or results

Complaint:
I am reaching out to request the deletion and removal of the accounts and associated information from my consumer report. I insist that the mentioned accounts and information should not be included in my consumer report, as it constitutes a clear violation of both the FDCPA and FCRA regulations. It is imperative that these accounts and information are promptly eliminated from my consumer report, as their presence violates multiple laws. I urge you to take immediate action to remove these accounts and information.

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 2023-06-02
Company: Self Financial 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 XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name : XXXX XXXX & Account Number : XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: EQUIFAX, 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:
There are several items reporting on my credit file that does not belong to me. I need your assist in getting these items removed. The following items is reporting on my credit report as a result of fraud : XXXX XXXXl - reporting on my Equifax report XXXX - XXXX - reporting on my XXXX  report Unauthorized Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I recently asked Bank of America to close my Checking Account and I received two different account closure statements in the mail. 

One was my original account ( XXXX XXXX XXXX  XXXX ) with the accurate transactions. 

The other also had my name, my current address, and it was an account # I was not familiar with, and an account type I had never opened XXXX XXXX  XXXX XXXX XXXXXXXX ), with multiple transactions to varying people I didn't recognize.

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 2023-06-02
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my check account on XX/XX/2023, US bank said they will send me a check # XXXX with {$3100.00} ( balance ) in 7-10 days. 
I did not receive the check. 
I need call them 10 times and waited 30 minutes per calling, agents did not know how to deal with. Then they asked me to do notary public to state of loss the check. 
In fact I did not receive it at all. US bank checked online and did cancel the check on XX/XX/2023. 
After I sent them notary public XX/XX/2023. They did not send me the check. 
I called again and again, they said we will send. 
However I did not get it at all as today, Note : I did not remember my XXXX XXXX XXXX is the check of US bank that said to be sent to me, but I did not get. 
They can find it 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 explanation
Consumer complaint received 2023-06-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My car was repossessed in XXXX of XXXX after I was only behind and my monthly payment was somewhere in {$500.00} and I've always been behind because they at Wells Fargo denied my request to change payment because I was paid twice a month. I submitted at least three to four requests to change payment due date over the course of this loan that started in XXXX. They did not allow me covid relief when my payment was late by {$500.00} for the month not including late fees and interest they repossessed me and they should not have recessed me over {$500.00} for the month because it was common for me to pay in two installments over the month and I had called requesting that relief due to a change in circumstances and I was denied help by Wells Fargo. They sold my car for {$750.00} and they are refusing to give me a settlement price. Also at time of repossession I was never told that my car would be sold that month by any source. I lost at least {$200.00} worth of personal possessions that was in my car that the impound dealership or wherever my car went refused to let me know how to get my things. Wells Fargo will not reimburse me for my things or even hear that I lost {$200.00} worth of personal property including a tackle box from XXXX with my grandfather 's fishing equipment in it that may or may not have been worth a lot at auction but I know it was worth a lot to me. I continue to call and ask for a settlement price after they sold my car and they are refusing to give me a settlement price which I know my rights are to have that ability.

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 2020-12-06
Company: World Acceptance Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted claim earlier and noticed on my report that the original creditor that reported such debt of highest balance XXXX is already on my credit report and been closed since XXXX. there are many violations being made here by world finance first of all i do not have a loan with this company world finance I have disputed this in the past back in XX/XX/XXXX when this affected my credit score with XXXX  taken my score down nearly 70 points and now 8 months later on my XXXX it has taken my score down 83 points they have Never ever contacted me once about this and futhermore this should not appear on my credit twice whith different open and close dates and appear on my credit as i opened a New Account Really????? how a new account that states 5 years do the math people and says closed XX/XX/XXXX when it clearly says closed XX/XX/XXXX one report says XXXX another XXXX and another one XXXX all different two with XXXX XXXX the original creditor and then now world  finance  who is putting stuff illegally on my report they have done this twice now have not contacted me i will attatch two seperate sheets one had a contact one has no contact info from the last time they destroyed my credit and it took awhile to bring it back from XXXX and now I have a phone number but they have done this again this needs to come off my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2023-03-26
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:
Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I'm not persuaded that you have accordingly fulfilled the principles of the Fair Credit Reporting Act in performing your examination. My research has shown me that below Section 1681 ( g ) it is essential to generate me along with an explanation in the process designed to authenticate that this account is at collections and write me the name and addresses of persons contacted per rules found in the FCRA.

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 2018-03-28
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received 2 emails regarding a debt, from 2 different companies, each company says I owe a different amount, they both claim to be collecting on the same debt, but they are 2 different companies. I have all the email communications from BOTH companies, and asked for clarification as to which company actually owns the debt and who I should be communicating with, and they have not responded. I am very leery to make payment arrangements when I don't know who actually I should be dealing with. Please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: CITIBANK, N.A.
State: CA
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 the corona virus and financial difficulties with making all monthly payments citi cards had been helping to put payments on hold and helping waivng late fee and citi said you can try to make minimum payments and late fees will be removed during the ongoing pandemic online I was not able to ask for help but when speaking with citi over the phone they did not want to waive the {$28.00} dollar late fee how can these credit companies not work with customers during these difficult time??? That is not our fault? Credit card companies need to do what the government asked them to do help consumers during these difficult times.

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 2023-06-02
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
I am applying for an equity line of credit and during the application process, my banker identified an account from Toyota Motor Vehicle Finance. Which showed in my credit report as a bad debt, nonpaid. I have no idea about this loan, I have never owned a XXXX vehicle or ever financed a car through them. I called Toyota Finance on XX/XX/XXXX, and I found out there is another loan under my name and social security number for a XXXX XXXX XXXX under my name and someone else. Toyota Finance tells me the entire process will take about 30-45. It's so unfortunate that I have to wait that long for identity to be determine and I am in the process of applying for a mortgage loan because this is making it very difficult to get the loan. I appreciate your prompt response and attention to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello Team, I have mortgage loan with PNC bank which is recently transferred from XXXX. My complaint is regarding the PMI removal from my loan. I closed my loan originally with XXXXXXXX XXXX and that time they mentioned me that my PMI will automatically be removed whenever my LTV resches to 78 % so I made additional principal payments and now when I requested bank to remove the same they are asking to do appraisal and as per their document the appraisal value should come to more than my buying price of the property. 
Please find attached document for your reference. 
Original Loan Amount : {$330000.00} Current value : {$290000.00} Whenever I try to call customer care they give different answers and not willing to remove my PMI insurance even this is mentioned in my loan. Please help to resolve this issue. 

Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2017-05-09
Company: AUTOMOBILE ACCEPTANCE CORPORATION
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 am filing a compliant agains t Automobile Acceptance  (  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX  ), because I have settled in full a title loan with this company and their attorney  XXXX ,  XXXX   XXXX   XXXX ,  XXXX  (  XXXX   XXXX   XXXX   XXXX , GA  XXXX  ). on   XX/XX/XXXX  f or account  XXXX  in the amount of  XXXX . Automobile Acceptance has reported and continue to report to credit bureaus   XXXX     &  XXXX  that I have an account  XXXX  as a single pay loan, duration term 1 month, last payment   XX/XX/XXXX , an d payment  XXXX  a month ... all this information is incorrect, I never signed or applied for loan with them for the info listed above, the account I had  XXXX  was correct and settled, it is my belief that this company is reporting the balance after settlement. I have submitted several disputes to the credit bureaus to have this information verified and to be removed, and it still remains.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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/XXXX I filed my initial dispute requesting for investigation and shows nothing was done. Then on XX/XX/XXXX sent another investigation sent in a request for investigation and if go pass 45 days threat to file a complaint and then 60 days request to file a complaint and still NO INVESTIGATION was performed. I am aware that due to the pandemic the bureaus have 60 days ; however it has surpassed that time. I am now requesting REMOVAL of the derogatory, inaccurate erroneous accounts immediately. Attached are letters from my initial dispute and the 45 day request and then the 60 request.

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 2023-12-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation