BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-17
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:
Experian XXXX XXXX there has been no response from them sense I started disputing this 6 months ago .I have sent you Evidence that XXXX XXXX has no factual evidence that this account is mine or made by me it is a case of fraud in 2014enclosed is incoming and out going responses to this matter it is clearly visible that XXXX  XXXX refuse to respond and there is no evidence it was made by me.You Experian Keep claiming it has been up dated with the old information and you have not did an investigation as you claim has been done.You state if its not verified it is removed this is the EVIDENCE ENCLOSED ITS NOT MY ACCOUNT I never made it and it was fraud.Under the FCRA this should of been removed a long time ago. Please remove it Please do not send me one of your templet letters I want real investigation not old informtion thrown back at me.

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 2021-02-22
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: Investigation took more than 30 days

Complaint:
I am trying to get my reports together and I have reached out and have not heard back. Please assist.

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 2018-04-27
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a checking account using an offer code for a XXXX dollar bonus to open an everyday checking account back in XX/XX/XXXX and I followed all the rules, but they did not award the bonus. After calling multiple times, they said incorrectly that I opened my account XX/XX/XXXX, then that I had requested to close the account. Talking to a supervisor, she said since there was no activity on the account for 30 days, it was closed. But she said XX/XX/XXXX was the last day of activity and I called today, XX/XX/XXXX. Then she changed it to XX/XX/XXXX. But who has ever heard of that? Closing a checking account after 30 days of inactivity? I had additional calls to them and one lady counted out the days that I should have the bonus by XX/XX/XXXX. That did not happen, so I called up and a man said he was submitting a form to research the bonus and that he would call me back by today, and he even sent me his e-business card in an email, but none of that happened, but the account was closed. I am real confused. Anyways, I talked to a supervisor again today XXXX many of them have thick XXXX accents and it's difficult to understand them XXXX and she said she was submitting a form to research 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 explanation
Consumer complaint received 2020-11-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I'm very frustrated and highly upset. I've been trying to reach this bureau for their investigation results with no response. I've sent letter via certified mail dated XX/XX/2020, XX/XX/2020, and XX/XX/2020. It has been well over 60 days and this is not right. Please send the results of the investigation immediately!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Chase has decided to reduce my credit limit on two of my credit cards with them. This has now caused my available balance to show 95 % whereas prior I still had $ XXXX in available credit. This will cause my credit to tank while I am trying to refinance my house in order to take advantage of the lower rates and pay off the higher interest rate credit cards ( specifically Chase ). I dont see how they can ethically do something like this, especially during times like these. 

I pay at least the minimum due on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: WESTERN UNION COMPANY, THE
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Initiated a Western Union money transfer to a friend in XXXX on XX/XX/2018 for {$180.00}. Shortly thereafter I received a request via email for numerous pieces of ID for the recipient before the money would be released from the hold placed on the transfer by Western Union. 
The recipient went to their nearest Western Union Office but was unable by showing their ID to get the funds. 
So I went to my local XXXX XXXX  and had them initiate another transfer through Western Union. For this second transfer the recipient was able with his ID to go to the local  Western Union office and obtain the funds. 
I am now trying to cancel the first transfer and have my funds minus any fees returned to the bank account from which the funds were withdrawn, Western Union is demanding that I supply the ID of the recipient before they will return my money. It is an unreasonable demand and I do not have access to the information they are requesting. 
I have already sent a copy of My WA State Driver 's License to XXXX as requested by thier customer service personnel. Just moments ago I received an email from Western Union informing me that they needed the recipient 's current address and city of birth plus a front and back copy of agovernment issued ID. This is a scam to hold onto and use my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX, tow truck driver, entered my gated community after XXXX when the gates were closed on behalf of One Main Financial. Proceeded to park his truck in front of my walk way disrupting the walk pattern of residents, leaving his diesel truck running loudly between four buildings, stomps up my stairs, alarming the neighbors dog, pounds on my door with something metal, screams he is here for repo, knows where I work and is going to go tell them the repo man ask for me. Further he forces a card between the weather strip stating, " you call me or all go to your work asked for you repo ''. I feel threatened that he plans to intimidate or stalk me to my place of business. After, he stomped back down the stairs all the while saying he knows where I work. He turns his truck around, backs up to my garage and try to enter the garage, he then publishes and tapes a note to the garage door stating, " Repo, if you don't call me all go to your work and said repo asked for you XXXX XXXX XXXX '' This has greatly disturbed the peace within my household and community. I was terrified to hear this person I don't know, stomp up the stairs, pound on the door with something metal, all the while screaming about knowing where I work, then forcing something into the apartment! This has upset me and my daughters. I feel like this person is going to take additional unlawful actions and further disturb the peace. I am in fear for my safety and the safety of my kids.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: CA
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:
My Equifax credit report changed my name to name of some other person with similar spelling and included unrelated addresses in my report. This happened last year. I have wrote twice to Equifax with proof of my identity and name. However they did not correct my report nor give my any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: DISCOVER BANK
State: MS
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made an online automotive part purchase with XXXX XXXX, XXXX. on XX/XX/2020 in the amount of {$26.00} and on XX/XX/2020, I called to see why I have not received the item I paid for and the represenative said that the warehouse made a mistake and that that particular item was " not '' in stock, ( even though it listed as being " in stock '' ), when I purchased it. ( they sent me another part that I did not order ). I ordered a idle air control valve connector ( pigtail ), they sent me a " Light Connector '' The company " has not '' made any credits to my credit card ( discover card ), for the amount in question. So I called Discover Card to dispute the amount ( charge ), but all I got was rude, uncaring, indifferent employees who have done nothing to credit my account for non delivery of item that I purchased online. I know as a consumer I have the " right '' to dispute a charge for a product and or service that is not as advertised, or is malfunctioned, fraud, etc. I also have the right to get either a refund, or a credit ( not a store credit ), issued to the original method of payment when I have proven my claim. Discover card has some very rude employees and should be fired. I don't see how discover card is still in business considering the way I was talked to/treated on the phone on XX/XX/2020. If they talk to all good paying discover card customers the way I was, then they should close up shop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Elevate Recoveries, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX My XXXX  sent this company a letter stated that this account is not mines its has been over 30 days and the fair credit report act states by law that you have 30 days to respond to my letter i have also contacted this company and told them my self that the debt is not mines if this issue doesn't get resolve i have no choice but to use legal actions my XXXX  and i are giving you a fair Waring please contact the main credit bureaus and tell them to remove this from my credit report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
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: Personal information incorrect

Complaint:
XXXX Equifax Wrong address on file I only live for the past three years at my current address only XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  FL XXXX I never lived any were else My name is XXXX XXXX Only and its spell wrong and other names which I only go by my legal name only XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions Inc.
State: NV
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2018-06-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been a costumer of Chase for a little more than 10 years and for the past year or so I have been having lower available balance than I am supposed to in my checking 's account. Sometimes {$20.00}, {$50.00} and at one point even {$100.00} dollars less than I should. I always contact them and there is never an explanation for the error. I use an Accounts app on my phone to keep track myself of every single transaction that I make and then compare it to the Chase app to find any discrepancy but there is none to be found. Is like the money just disappears to thin air. Today XX/XX/18 I logged in to my account to find out that I am missing {$160.00} dollars from my account. No unauthorized transaction is found but the money is missing. I went to the closest Chase brand that I have and spoke to banker. We went over the last transactions that I made and no error was found, just the {$160.00} dollars disappear from my account. This is very frustrating I work hard for my money and I hope I can get help somehow cause Chase is not helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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 disputed my loan with XXXX XXXX. They eventually sent a credit correction letter, which they do not honor when I dispute the info with the credit bureaus. I initiated litigation for wrongful repossession in Texas. We are in active litigation. This account was disputed multiple times prior to filing the lawsuit. Every month XXXX reports me late as if this is an open, active account. This means the report never goes away. They have sold my vehicle but have not corrected the initial issue that caused thre dispute. The sale was credited to the overall reported balance. We have finished arbitration and are awaiting the court date. When I dispute it will sometimes be removed by the credit bureaus only to reappear the next month. This has a very detrimental effect on my life. This is also inaccurate as I initiated the dispute prior to the credit reporting and the lawsuit. It should be removed until settled. Or marked as no info since it was disputed, and subsequently placed in litigation. Please have removed from credit reports, with caveat of reporting only if a court rules against me for the balance alleged owed. 

Supporting documents available upon request. Some are covered under attorney-client privilege. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Santander Account has been reporting a Charge-Off status to XXXX XXXX and XXXX  credit bureaus EVERY MONTH on my Credit Report. The Account Status is inaccurate reporting and it is damaging my ability to get employment and housing. Santander continues to validate the Account status

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
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: Account status incorrect

Complaint:
I have two reports from Equifax from today, on the same XXXX XXXX account, the report I got from XXXX that is showing payment status, as pays a agreed. Vs. the other one which I got from Equifax credit monitoring site, showing it between negative accounts and that it 's been delinquent for 120 days. Absurd!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is harassing me. I am not a party to the debt. I have informed them they are calling my work number and I am not XXXX nor do I know who XXXX is. They continue to call XXXX this is a Government cell phone, they will not stop calling. My clients/ families call this number I am a XXXX XXXX not XXXX. Please make them stop.

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 2018-10-17
Company: Experian Information Solutions Inc.
State: AK
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 disputed my loan with XXXX XXXX. They eventually sent a credit correction letter, which they do not honor when I dispute the info with the credit bureaus. I initiated litigation for wrongful repossession in Texas. We are in active litigation. This account was disputed multiple times prior to filing the lawsuit. Every month XXXX reports me late as if this is an open, active account. This means the report never goes away. They have sold my vehicle but have not corrected the initial issue that caused thre dispute. The sale was credited to the overall reported balance. We have finished arbitration and are awaiting the court date. When I dispute it will sometimes be removed by the credit bureaus only to reappear the next month. This has a very detrimental effect on my life. This is also inaccurate as I initiated the dispute prior to the credit reporting and the lawsuit. It should be removed until settled. Or marked as no info since it was disputed, and subsequently placed in litigation. Please have removed from credit reports, with caveat of reporting only if a court rules against me for the balance alleged owed. 

Supporting documents available upon request. Some are covered under attorney-client privilege. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX Account Type Debt Buyer I have not entered any contractual agreement with this company and have no obligation to pay XXXX XXXX XXXX. The company is a debt buyer. I would like this to be removed from my credit report and do wish to receive threatening phone calls from this company on a daily basis. I believe I am a victim on harassment this should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was going over my credit report and there is inaccurate information in the details, accounts that was discharge listed that have been reported are not accurate XXXX/XXXX # XXXX, XXXX  XXXX XXXX XXXX XXXX, please delete this account is not correct. There is a bankruptcy that is inaccurate. There are addresses listed on my report that are not mine : XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, NM XXXX Please remove the following phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have attached my ID for my address proof of my only address.

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 2019-03-25
Company: CORELOGIC 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:
My mortgage application was denied by my bank, on the basis that corelogic credco is showing a foreclosure, by XXXX XXXX XXXX, which was false and never took place. I had sued XXXX in Federal district court, and the court ruled that the foreclosure never happened. I sent this court ruling to the 3 credit reporting agencies nd Fico, but Corelogic never removed this foreclosure from their report. 
Also, XXXX had posted that in XX/XX/2014, I had been late in payments to the XXXX XXXX XXXX, and this also appeared on Corelogic 's report. 
This was untrue as the XXXX XXXX  had no interest in the property, and no payments were due to the 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