BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-22
Company: U.S. BANCORP
State: IL
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:
On XX/XX/XXXX, I left my card at a XXXX XXXX gas station while purchasing gas. Since I was driving out of town, It took me an hour or two until I realized my card was not in my possession. I then immediately called the card member service and reported my card as lost/stolen. There was one unauthorized charge for the amount of {$3100.00} from XXXX XXXX   on my credit card. The fraud agent on the phone flagged that charge as fraudulent, told me I am not going to be held liable for this charge, ordered a new card to be sent out, and informed me of a declaration of fraud letter which I might receive in the mail that I'd have to sign and send back. Everything was good until I saw the charge got posted back into my account on XX/XX/XXXX. I immediately called the card member service fraud department to see what is going on, and I was told this is a mistake, it has posted onto my new card, since when I declared the charge as unauthorized, it was still pending, and that I will receive a credit back onto my account within 10 business days. I waited, and waited, and saw no credit on my account. Called the fraud department again after the 10 days waiting period was over, they told me they are going to request the credit to be issued back onto my card asap, and that this will happen on the next business day. I waited for another few days and still no credit for this fraudulent charge on my account ... I am tired of having to call every few days, hearing false promises, and then getting disappointed again. Please fix the issue.

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 2017-10-18
Company: Freedom Mortgage Company
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage XXXX https : XXXX XXXX started charging me fees within 60 days of loan transfer. Their customer service told me that their records show that loan got transferred on XXXX. They did not send welcome letter and did not set-up my account until end of XXXX. Late charge was charged without any notification and did not meet federal rule of 60 days. This is clear violation of consumer protection rules and these agencies trying to steal from ordinary consumers should be investigated. 

Principal {$780.00} Interest {$1300.00} Escrow {$250.00} Late Charge {$100.00} Fees {$0.00} Total Amount {$2500.00}

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 explanation
Consumer complaint received 2017-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Other

Complaint:
I received a credit card from Capital One for rebuilding credit last XX/XX/XXXX. I made every monthly payment either a larger payment than the minimum or just the minimum days before the due date. I 've had this card for 11 months and they reported my balance and payment history or so I 'm told. I recently applied for another card and was denied for no credit history. My credit score is a XXXX. I got this card to help my credit score it has not! either the credit card company is not reporting correctly or the reporting companies are not reporting correctly. Either way ... me the consumer is negatively and unfairly effected. The purpose of this card that I got 11 months ago was to help my credit score. This is not correct or fair to do to anyone let alone a single woman that was lied to by a large company just to make a dollar .I do not want to involve the press or a third party, but I will if I have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: AL
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:
In XXXX, both of my parents became seriously ill and had to be placed into XXXX XXXX. To afford their care, I had to file XXXX XXXX bankruptcy. This was filed in XX/XX/XXXX. I paid back the bankruptcy at 100 % according to the timeline given to me by the court. I was meticulous in paying this back according to the plan! In early XXXX, the bankruptcy was XXXX officially. However, I knew the remarks would stay on my credit report for another 2 years. In early XXXX, all but one of the the derogatory remarks fell off my credit reports since it had passed the seven year reporting mark. However, one did not fall off : XXXX XXXX XXXX XXXX. This remark exists only on my Experian credit report. I reached out to Experian and filed a complaint, but XXXX then extended the post time to 10 years as opposed to 7 years. I reached out to XXXX XXXX twice, and got two different replies. The first agent said he would remove the remark, but when I contacted XXXX XXXX  again a few weeks later, the second agent said that XXXX XXXX would never remove a remark FOR 10 YEARS! As I read through the rules regarding these remarks, I understand that a derogatory remark for a XXXX  XXXX bankruptcy might remain on our credit report for 10 years. However, a derogatory remark for a XXXX  XXXX bankruptcy should be removed after 7 years. Contacting Experian and XXXX XXXX has proven to be useless. They are of no help, so I am now begging you to help me. I was recently turned down for credit due to this one remark. I am asking that XXXX XXXX and Experian Credit remove this derogatory remark from my credit report at this time.

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 2022-12-13
Company: Experian Information Solutions Inc.
State: MA
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:
Accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX and Account # 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 an account without my written instructions

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 2018-12-19
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: Was not notified of investigation status or results

Complaint:
I submitted a letter to Equifax Credit Reporting Agency and I have not received a response to my letter of dispute for the following companies. 
1 ) XXXX XXXX XXXX 2 ) XXXX XXXX Letter was submitted to Equifax, requesting for an investigation of inaccurate information being reported into my credit profile due to identity theft. I have not been notified by Equifax of any results. It has been over 30 days. Original submission was on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: NJ
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:
Please remove this account from my credit report as it is fraudulent and not associated with me. I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: NJ
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX bank Transunion, XXXX, XXXX Credit report credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

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 2023-04-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, My Wells Fargo XXXX XXXX was used on XX/XX/XXXX for numerous charge attempts that were not authorized and fraud. Wells Fargo Bank authorized one of these in the amount of {$2200.00} to XXXX XXXX. I did NOT make or authorize this transaction. I have filed two claims with no resolution. I personally went into my local branch yesterday at XXXX XXXX  and was treated terribly. They told me to go call the airlines and get documentation. I asked if we could call together so they could hear everything. They laughed and said no you can go call from your car. I did this leaving me no choice and of course the airline wouldn't provide me with anything unless I had a booking number which obviously I don't have since I didn't purchase anything. 

There were approximately XXXX attempts that day. Today is the XXXX of XXXX, Wells Fargo will not refund my money and I am overdrawn. I have escalated this case to every superior manager I can. I have gone into the branch and treated horribly. I have been a very loyal and good customer for 26 years. The individuals who stole my information tried again today and called my cell phone saying they were Wells Fargo Fraud Dept. I said I didn't believe them and they hung up on me. I contacted Wells Fargo immediately and told them of this call. They could see the attempts again but still will not give me back my {$2200.00} I don't know what to do. I have {$17.00} to my name and work very hard for my money. 

Can you please direct me or assist me with any rights or actions I can take. 

XXXX XXXX XXXX I spoke with even said on the phone she didn't know why they approved XXXX Here is her info : XXXX P. XXXX number : XXXX XXXX Office Case XXXX Enterprise Complaints Management Office Thank you so much 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 monetary relief
Consumer complaint received 2019-07-22
Company: EQUIFAX, INC.
State: FL
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 a victim of Identity theft. I did not access my credit report for a number of years and once I did I noticed some discrepanices with my report. I contact the FTC and made a report and also contacted all # credit bureaus. Equifax is the only bureau that refuses to remove these items from my report and the reason that I was given this evening is because they are over 3 years old. I was advised that they contacted each creditor and the creditor advised that they information was correct. I have contacted the creditor and all they can send, me is a statement. A statement is not verofying that it was me who opened the account and made the charges. I have has a fraud person open bank acocunts, take my taxes, take all my money out of my bank account and its feels like equifax is just making me the victim over and over again. they do nothing. The supervisor this evening told me all i can do to fix the problem is to contact you.so here I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
These finance institutions ran my credit without my consent which is fraudulent. 
Here is the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.I did not give these companies permission to run my credit so please remove inquiry or show proof I authorized it.

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 2022-12-13
Company: Experian Information Solutions 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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I need you to correct and or remove the following accounts reporting erroneous information on my Credit File : XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$100.00}

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 2023-03-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, and XXXX XXXX : Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681,1 Section 604 A section 2 also states a consumer reporting agency can only furnish an account with 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 or 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 data is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to request your help and notify that my rights as a consumer are not being respected. JP Morgan Chase Bank is reporting inaccurate information on my account. My account information is : Account Number XXXX ; Date Opened XX/XX/XXXX ; Highest Balance {$6100.00} ; Status : Closed. I will explain why JP Morgan Chase Bank is committing multiple violations to the FCRA. 

On date XX/XX/XXXX to XX/XX/XXXX, natural disaster Imelda impacted Texas. I tried to solve this big issue with Chase by phone when I called right away once I realized of this negative remark on my account. They refused to help me, stating that my county was not affected by this natural disaster. I told them that my county ( XXXX XXXX ) is right next to XXXX county and XXXX county, which were declared as affected and that if XXXX XXXX was not on the list of the affected counties, it does not mean it didn't hit my area as well and that I needed help. 

I want to state clear that this was not a money factor issue ; I did have the money to pay. It happened that I had to go out of town because I was afraid of what could happen because of this storm ; so the disaster did affected myself ; and still they refused to help me. When a natural disaster happens, the level of stress is too high and it affects all areas of our lives. This is exactly what happened to me. 

Even worst, I processed the next payment ( the payment for XXXX ) by the end of XXXX, and they are reporting a late again! This is completely out of the reality. JP Morgan Chase Bank is also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. 

JP Morgan chase bank is being unreasonable because I never received a late payment insertion by mail. This is a violation to the FCRA. They are also committing Breach of contract, Unfair business practices and violations to the section ( 609 ) of the fair credit reporting act by missing the affected by natural disaster remark on my account. The list of violations can go on once I sat down with my attorneys. 

This company is not respecting my rights, they are committing multiple violations to the FCRA and I am not the only one that is being affected. I have a Pending mortgage for {$400000.00} because of this wrong information being reported. this is affecting me mentally and physically. 

I demand a deletion letter from the mentioned company as soon as possible so I can provide to my mortgage company and get approve with the interests I want. If JP Morgan Chase Bank refuses to provide letter of deletion letter through CFPB portal, I will not think twice to take this issue and be decided by a judge in a Court of Law. Thanks to whomever reads my complaint. 

Please see ATTACHED BANK STATEMENT as proof of funds at the time the payment with XXXX XXXX was due. Proving this was not a money factor or even worst that I did not want to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-02
Company: EQUIFAX, INC.
State: AZ
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:
XX/XX/XXXX my and my husband 's credit reports were pulled to determine our qualification for an auto loan. A few different creditor agencies took a look at our credit report and we were qualified for the auto loan through XXXX XXXX and then today I see our credit reports were pulled once again ( XX/XX/XXXX ) for an auto loan. We didn't re-apply, so we need this disputed or fully explained as to why our credit was pulled ( HARD HIT ) again after 30 full days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Experian Information Solutions 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:
Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Email received about savings and checking account opened through TD Bank on XX/XX/22. No accounts were personally opened by myself.

Company response to consumer: Closed with non-monetary relief