BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
ive already contacted transunion to initiate a dispute and noticed their not quick at there turn around process. so i did what could to reach out to the company 's on my end ike TransUnion rep told me to do. i call one main local office and dealt with the office manger and district managers and also someone from the corporate fraud team. that didn't get me anywhere. so im filing this complaint because im mad at transunion and onemain. i am trying to get something removed from my credit report as a result of fraud and identity theft and if it doesn't get removed with in 60 days i'll start a civil lawsuit. last chance. i shouldn't have to live like i do with these scammers and stealing my identity and harassing me emery and no one 's doing anything about it not locally not statewide not federally. hope you can since that im a bit irritated,

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 2018-09-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have had on several occasions noticed accounts appearing on my credit file over the last 5 years and many times contacted the creditors as well as the Credit reporting Agencies involved in these erroneous posting. I was told that someone with a similar name accounts had merged with my own file and over time this was corrected.Recently, I checked my credit with the credit bureaus as I am about to purchase a home and open escrow in a week, but now I find I can not proceed with this real estate transaction due to accounts which I've never opened has appeared as though they were mines.These fraudulent accounts should never had appeared on my file as they are fraudulent and misleading about my credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05
Company: EQUIFAX, INC.
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:
Equifax has child support on my bureau that is outside of the federal obsolescence period for keeping a collection. Unless someone has re-written the FACT Act of 2004, a collection MUST drop from the file 7 years from the first delinquency prior to charging off. I have attached TWO LETTERS showing that the delinquency was BEFORE XX/XX/2011. XXXX XXXX has removed it ... XXXX  has removed it. Why does Equifax get to ignore federal law? 

In addition, the child support is being paid through Mississippi and NOT Illinois. My ex wife and child live in that state and I live in Georgia. 

Equifax needs to be made to comply with federal law. This is a willful and not negligent violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Public record information inaccurate

Complaint:
Im having trouble opening an account due to being a victim of fraud. Someone I didnt know deposited and withdrew money and caused my account to close and I wasnt aware of the situation around last year, I talked to the bank and they said I have to clear it off my record. If you could please help me with cleaning my record to be able to open an account I would highly appreciate your support, 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 2020-06-30
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Company contacted my ex spouse looking for me, mind you we have been divorced 12 years and have changed my phone #, and address multiple times since the divorce. My name is no longer close to his. In the conversation that he had with them they disclosed the date of my supposed medical procedure, hospital and the amount that I supposedly owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am a federally protected consumer and Santander Consumer USA has violated me under the provisions of 15 USC 1692, 12 USC 1431, 15 USC 1681. Please review the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On or about XX/XX/2021 I made a big purchase ( {$570.00} ) through XXXX and was offered an option to finance it with 0 % interest for 12 months ( {$48.00} monthly ). After this purchase, I made other purchases totalling {$230.00}. I sent payments to pay those additional purchases as they completed processing online in my account and awaited the interest free payment monthly. Chase is now claiming that the money sent to pay the additional purchases, was put to the bigger purchase financed and that they intend to charge and collect interest on the purchases made after ( {$230.00} ). Same for any new purchases I make in the future. In my experience, if you agree to terms of 12 months with a company for a loan, it stipulates to those terms. Example would be getting an additional loan for a vehicle after getting one for a mortgage... .the terms of one has nothing to do with the other. I feel that both Chase and XXXX are responsible for putting these facts up front and that this is an attempt to deceive hard working middle class people, with motives of gaining interest that wasn't supposed to be imposed. I spoke to 6 customer service reps last night ( after receiving my new statement ). Not one could explain to me exactly how this formula worked or why I was being charged most of my purchase amount ( {$270.00} ) the 2nd month into the agreement. Luckily I can do basic math and figured it out on my own when my attempts to have explained failed.This would have been a great option for bigger purchases for family 's like mine if in fact it was an agreement that was legitimate. I always pay my balances in full and not carry from month to month. In fact my limit on this card was almost tripled a few months ago. Luckily, I can afford to pay the interest saving balance without making future purchases and avoid paying interest on any of my purchases. The issue is, that isn't what was agreed to. The agreement was for installments, interest free. That is the only reason I made this particular purchase at all. I avoid interest every month on my regular payments as well. Searching specific keywords provides these answers, the agreement is made upon checking out thru XXXX and that is where the information from chase should be provided, not hidden down deep in the World Wide Web. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Advance America, Cash Advance Centers, Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a payday loan from Advance America in XXXX of XXXX at the XXXX XXXX XXXX XXXX XXXX, SC XXXX. I assumed my loan had been paid off. I have received calls periodically over the past XXXX years from some type of third party agency stating I still have an outstanding debt to pay back. They last contacted me on Thursday XX/XX/XXXX. They first called my mobile phone and left a voice message and turned around and contacted my administrator before even allowing me to call them back which I DO NOT appreciate. I have NEVER received anything in writing from them, and when I ask for a certified letter of what I owe I'm always told they have tried to contact me by phone several times. They go on to tell me I owe {$240.00} and will turn around and say I owe {$840.00} in interest. When I try to contact the local branch of Advance America where I received the loan from, they tell me they can't help me and refer me back to that same agency that I don't even know the name of. They only reference their name, my case file #, and that they are going to take legal action. Again, this has gone on for over XXXX years now and I have yet to see any type of legal action take place. I will pay back what I owe IF I owe something but they will need to send me something in writing first. I'm complaining about Advance America because of the confusion and because of the third party collection agency they use. I don't need to be threatened by anyone of legal action. And I don't want calls being made to my place of employment! They are VERY rude and won't let the consumer talk. They talk over you and get louder when you're trying to get your point across.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions Inc.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2021-06-21
Company: TransferWise Ltd
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Dear CFPB, I work as a XXXX XXXX XXXX and on XX/XX/2021 I sent {$1000.00} of my salary to my US account that was held by XXXX ( former TransferWise ) XXXX XXXX XXXX from my XXXX XXXX XXXX XXXX  account. On the XXXX of XX/XX/2021 I sent another {$1000.00} of my salary to the US account held by XXXX ( former TransferWise ) XXXX XXXX XXXX. I was able to do an international transfer and paid for debit card fees with balance left of {$1100.00} and some additional balance in the XXXX XXXX still provided by XXXX. 

However I work up to a rude shock with XXXX having closed my account and promising to refund the money left in 2 days now its many days later and they even barely respond to my numerous emails requesting a refund. I have even furnished them with details of the transaction and the bank account that they can use to refund the money as attached with this complaint but my pleas have fallen on deaf years. I am the bread winner and support my family and this event has put me in a very bad situation and would honestly need your help to recover the funds and have it sent to my account. I have written numerous emails even to the CEO and CTO and just about all manner of emails I could get about the company but no one is interested in helping me get my refund since they said they have the prerogative of closing accounts and have no obligation of telling the customers why. I do not care about their account I just need help in recovering my stolen funds. I deem the funds stolen since no one is responding to my emails despite having promised to refund me in two days. 

Kindly I seek your help in following up with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: Bread Financial Holdings, Inc.
State: MN
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:
XX/XX/2021, Wayfair debited from my checking account for merchandise I never ordered or received. This occurred 2 times on the same day. One amount for {$800.00}, and the other {$180.00}. I did not order these items. Additionally, my bank charged me a {$30.00} processing fee. 

I have contacted Wayfair via the telephone and was told this matter was going to be referred to Wayfair 's XXXX team. 

To date, I have not received a credit refund back from Wayfair. 

These debits from my checking account have place hardship and as a result, I am not able to pay my monthly bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: JPMORGAN CHASE & CO.
State: WI
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:
On XX/XX/2020 there was a fraudulent inquiry made on my XXXX credit report made by ( JPMCB ) JP Morgan Chase Bank Card Services. My identity was stolen. I have know further details other then i attempted to reach merchant and was unsuccessful. i did open a dispute with XXXX but they asked me to reach out to the merchant. i can't get through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am requesting the removal of inaccurate credit information from my TransUnion and XXXX credit bureau. 

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX I have reached out to both before and get the generic answer that they are looking into it or unable to find that I have a XXXX  Credit bureau. I reviewed a copy of my credit profile for both credit bureaus and confirm that there are inaccurate inquiries that are reporting on the credit bureau. I have never consented for my credit to be pulled and need for you as the reporting company to provide me with proof I consented to having my credit accessed. IF you are not able to provide me with that proof I need these removed immediately from my XXXX  and Trans Union Credit profile. 


TransUnion : XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Informative Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX By the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my report. It is my understanding that you will investigate these inquires with the creditors who have posted them. Please remove any information that the creditor can not verify. I understand that under the 15. U.S.C Sec 168i ( a ) you must complete the investigation within 30 days of receipt of this letter and provide me with the requested information. I am also asking for you to remove all fraud alerts that you have on my TransUnion and XXXX. I have never authorized or gave permission for these alerts to be placed and want them removed immediately. I have attached my drivers license for you not to send me a letter lying and telling me you are not able to verify 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 2021-03-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires, report is attached. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: NY
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should have been deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened the checking and savings account for promotion bonus. 

It said " Open a new checking and savings account in the Citibank Account Package between XX/XX/XXXX-XX/XX/XXXX. Within 30days of opening your account deposit {$15000.00} New to Citibank funds into the checking and/or savings account. Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days. Get {$400.00} deposited to your account! '' I opened checking and savings account on XX/XX/XXXX with {$15000.00} deposit. 
I maintained this balance up to now. I called several times to Citibank and I still did not get the promotion. 
They kept saying different time period of 90 days. I want to get a promotion of {$400.00} and close all 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 2018-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My wallet was stolen with my ID, Social Security Card and debit/credit cards. They took a lot of money from my accounts including my bank account on XX/XX/18 for the amount of {$2000.00}!

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 monetary relief
Consumer complaint received 2021-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/ 2021, I sent all bureaus a dispute letter regarding my credit report. I believe it was a misuse of my credit report. this is very urgent, and I need them to look at 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 2021-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
On XXXX/XXXX/2020 there was a fraudulent inquiry made on my transunion credit report made by ( XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX. My identity was stolen. I have know further details other then i attempted to reach merchant and was unsuccessful. i did open a dispute with transunion but they asked me to reach out to the merchant. i can't get through.

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 2018-09-05
Company: EQUIFAX, INC.
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 have filed a dispute with Equifax ( Confirmation XXXX ) and they have failed to provide documents that their company has on file which was used to verify the accounts that I have disputed. 30 days has since passed and under 611 ( 5 ) ( A ) of the FCRA they are required to delete any information that they are unable to verify in which I have disputed. Please assist me in dissolving this matter. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ongoing issue with HSBC bank regarding payment not posting account. There seem to be six or more credit card services and deposit account banks in the United States. The holding company for them is HSBC Holdings PLC XXXX XXXX XXXX XXXX Floor XXXX, XXXX XXXX XXXX XXXX. I bank certified copies of payments that are in dispute attached. The branch that captured these payments in XXXX, XXXX  seems to have gone out of business. however, the payments never came back to me or applied to the current HSBC credit card.. 

This process has gone on for 16 months and no resolution has been made. My credit score has gone down more than 120 points, I have been denied loans and my business is at a stand still. Credit card companies have lowered the credit availability about {$40000.00}. I was denied a XXXX XXXX  and a XXXX XXXX of {$45000.00}

Company response to consumer: Closed with explanation