BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-22
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
I do n't understand why I keep having problem with this company and my credit report. On XXXX/XXXX/XXXX Chase bank did another inquiry on my account. I have a new inquiry now on XXXX and XXXX. I really with this company leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent in a letter on XX/XX/2021 about the inaccuracies on my credit report and got no update and it has been well over 30 days! This is stoping me from moving on with my life and causing be Extreme stress! I cant take this anymore, I need the items removed immediately so I can go back to living my life. This stress has landed me in the hospital many times now I just cant take it anymore!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear SPS, In your reply on XXXX XXXX you stated : Taxes In the inquiries, you questioned the disbursement of your property taxes. SPS disbursed taxes in the amount of {$2700.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Since I checked with the county assessor that you had not paid the property tax on a timely basis, to avoid penalties, I went ahead and paid {$2700.00} on XXXX. According to the XXXX XXXX XXXX collector, SPS paid this tax again on XX/XX/XXXX! 
SPS was not truthful in their statement about payment on XXXX and their payment is being refunded to them as the second payment. 
How can I trust SPS if they continue to deceive me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: CITIBANK, N.A.
State: PA
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:
Dear Sir/Madam This is the complaint number seven against XXXX please be noticed many many time i sent to XXXX there two Unauthorized Hard InquiryXX/XX/2018- XX/XX/2018 XXXX XXXX ( SEARS ) and all responding from XXXX  Mentioned that ( inquiries are a factual recorded of file access. if you believe this was unauthorized, Please contact the creditor. CitiBank Na, XXXX XXXX XXXX XXXX XXXX   SD XXXX so i had contacted many time and received a letter to remove this unauthorized hard inquiries so what i have to do then XXXX ask me if you believe this was unauthorized, Please contact the creditor and i did many times and received a letter from them to remove this hard inquiries and XXXX don't want to remove this Unauthorized Hard Inquiries

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 2021-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XXXX XXXX Order Summary Subtotal : {$140.00} Kohl 's Cash - {$5.00} Free Standard Shipping {$75.00} - {$8.00} Shipping : FREE Sale Tax : {$9.00} Total : {$150.00} You saved {$13.00} on your purchase today. 


Your Earnings Kohl 's Cash to use XX/XX/XXXX - XXXX, 2021 Your Kohl 's Cash will be sent in a separate email. 
{$20.00} Kohl 's Rewards updated balance {$7.00} previous balance + {$0.00} earned on this purchase {$7.00} I purchased a XXXX XXXX head set and the same day I canceled the order because it had my old address They sent me a confirmation We were successfully able to request a return of your package with tracking number ( .. ) to our fulfillment center. Once the items are received and processed, you will receive a refund to your method of payment. that the order was canceled and sent me a confirmation email Since then I have called numerous times to get the my refund back on to my credit card which would make my balance 0 again I have been charged double for something I never received 1 phone call I was told the error was fixed but it was not the last phone call I finally got a dispute number and I have since then been threatened that my credit card has been suspended it is now XXXX XX/XX/2021 and I still do not have my account resolved

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: MS
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 a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: GOLDMAN SACHS BANK USA
State: CT
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: Overcharged for something you did purchase with the card

Complaint:
I paid with XXXX Credit Card XXXX Goldman Sachs XXXX the services on XXXX restaurant on XX/XX/2022. Total bill was split between two parties. I was responsible for US {$50.00} ONLY.

Apple card charged me US {$190.00} when I authorized and signed a voucher for US {$50.00}. I disputed the amount online and received a provisional credit of {$140.00} on XX/XX/2022. However, Apple card reversed the credit and charged me {$140.00} on XX/XX/2022. 
I am trying to dispute again, but I do not have any answer yet from Apple Card. 
I also contacted the merchant in XXXXXXXX XXXX  which was not willing to help. I will try again, hope a different manager is in charge. I do not have the receipt anymore, and I was requesting a copy of the signed receipt to the restaurant. However, they mentioned that credit cards solve disputes in a different way, and Apple card never has reached to them yet to solve the issue. 
I will not pay for a service that I did not buy and I did not authorize. 
Apple Card should investigate before charging whatever they want. I never signed or authorized a charge for {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a well established record with the lessor ; this is my second lease with them. My payments are made automatically through my Bank 's Bill Paying Service - always on the same day, always on time. In XXXX, 2021, the lease payments increased by {$2.00} per month. I did not become aware of the change until a call from the lessor, in early XXXX. The employee who called me was congenial and understanding ; I immediately paid the difference and corrected my banking records to fix the small shortfall. But I never expected what came next - a notification from my Bank that my credit rating had been downgraded significantly. I called the lessor - after many years of perfect payment record, I expected they would understand my position that payment was made, but I neglected to include the additional {$2.00} until it was brought to my attention. Their response was positive at first, but according to XXXX, the lessor insists the entire payment was late. As a result, my credit rating has been harmed and with the car lease expiring soon, I will no doubt face a rate increase with the next vehicle. I am in my late XXXX 's, and although I read all my emails, I readily admit do not keep with all the promotions that show up on my in box ; many are for burial services, anyway.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-24
Company: WELLS FARGO & COMPANY
State: PA
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:
XXXX has charger my account for {$180.00} and for {$8.00}. The second charge was refunded but the {$180.00} was not refunded I emails from the stating the charge was refunded Wells Fargo, has not credited my account for the unauthorized charged

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 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
It has been over 45 days, and I have not been notified or updated of the status or results of my investigation.

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 2018-02-27
Company: Aargon Agency, 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: Credit inquiries on your report that you don't recognize

Complaint:
Date : XX/XX/2016 Balance : {$650.00} Company AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX, NV XXXX I don't not know this company, I did not do business with this company nor have I given them the permission to use my information. I would like this debt completely removed from my credit report. 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 2023-01-10
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:
Equifax has allowed fraudulent, derogatory information to be furnished against me that has been proven to be unfounded. Equifax has failed to adequately investigate accounts upon written notification from me that the accounts were fraudulent or inaccurate. These creditors have provided proof that they requested Equifax to delete the accounts but said accounts are still being furnished. In fact, my credit file has not been updated since XX/XX/2022 which still details the fraudulent accounts. Both XXXX and XXXX note the lawful changes but Equifax refuses. Equifax has monetarily benefitted from defaming my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Comerica
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
On Friday XX/XX/2020 I reported my Debit Card as lost to U.S. Direct Express. 

U.S. Direct Express of XXXX XXXX, Texas is the default debit card provider for Social Security Administration benefits. 

I needed an urgent replacement card so I requested an urgent expedite mailing fee of {$13.00} plus a card replacement fee of {$4.00}. 

As of XX/XX/2020 no replacement U.S. Direct Express debit card had been sent. 

I called U.S. Direct Express at XXXX to ask why my replacement card had not been sent correctly. 

When calling U.S. Direct Express their customer service did not provide me an option to talk to an agent over the phone & they informed me that my replacement card had been sent out on XX/XX/2020 instead of XX/XX/2020 like I had ordered. 

This is Fraud. I was charged {$13.00} & as of today XX/XX/2020 my replacement U.S. Direct Express has not arrived. 

This outrageous & very upsetting. My bills for the month are overdue & I face potential late fees or suspensions in service due to the negligence of U. S. Direct Express. 

I am not happy with U.S. Direct Express. In the past U.S.Senators XXXX XXXX & XXXX XXXX who claim to care about Social Security Administration issues refuse to handle U.S. Direct Express complaints. 

U.S. Direct Express is unaccountable & misconduct complaints are not effectively handled. 

Consumer Financial Credit Bureau Please help me & other Social Security Recipients who suffer from U.S. Direct Express complaints like this one. Thank you. 

Respectfully Submitted, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-03
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never done business with THE CBE GROUP XXXX, I am unaware of any contracts or sign statement with this company. I have no business dealings with them.15 U.S. Code 1692g ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. There is a issue never had any notice not paperwork as to the transfer of title of ownership, who is this third party collections agency. Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: ID Analytics, Inc.
State: MO
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:
SageStream LLC Consumer Office XXXX. XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX They report I have died.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: T.S. Holdings
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My roommate and I moved into the apartments at XXXX of XXXX XXXX in XXXX in XX/XX/2019. The apartment was not clean when we moved in, and we had not been allowed to see our apartment before the move in date. We told the office and they insisted it had been cleaned so we had to clean it ourselves. We had many issues with them over the year we lived there including AC and power going out multiple times. AC was out for two weeks once, we couldnt stay at the apartment because it was over 90 degrees outside. They put fan units in to try to keep it cool and these fans leaked out water all over the carpet causing damage. We decided not to renew our lease and expected our full deposit back because we left it much cleaner than wed found it, no damage other than to the carpet that was caused by their fans. Not only did we not get any deposit back, they charged us {$400.00} claiming they had to replace carpet. They are the ones that caused the damage to the carpet, and also they were remodeling all apartments and taking out the carpet anyway. They charged us for the remodeling they were doing, we did not leave any damage to that apartment. I have called their office and their management multiple times over this last year. Ive left message after message and no one has returned my call. Now I have this charge on my credit that I dont deserve. They still owe us our deposit. They took our deposit and charged us more money on top of it when we left zero damage to the apartment. I cant afford a lawyer and have no idea what to do about this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I recently received a packet from XXXX XXXX XXXX XXXX. I also received a letter from XXXX XXXX XXXX recently. XXXX XXXX XXXX stated a power of attorney is being used by family members. My youngest child have a XXXX XXXX and is receiving social security XXXX as a result. His name is XXXX XXXX XXXX XXXX, he is also a XXXX XXXX. His social security number is XXXX. XXXX XXXX XXXX stated the circumstances were unique yet permission was given to family members to access my accounts. I needed this in writing and on the bank letter head. I now have evidence of these fraudulent transactions made by family members. 

I mentioned earlier that The XXXX XXXX is abusing my identity. XXXX XXXX XXXX XXXX XXXX stated that I sent a copy of my credit report. The reason I terminated Attorney XXXX XXXX is because he filed my wage earner case that was discharged in XXXX and XXXX. Those dates that was changed to XXXX is located on that credit form I sent you. 

I sent the W-2 for my former employer, because XXXX XXXX XXXX XXXX XXXX deleted themselves from my credit report. All of my history have been deleted from my history. Social Security have written a query for me showing my former employers. 
From XXXXXX/XX/XXXX. 
In XXXX XXXX XXXX XXXX shows my loan was with XXXX XXXX in Texas from XXXX. A copy of the XXXX statement was mailed to me from XXXX XXXX XXXX. The bankruptcy courts was n't notified of this transfer. It 's not on my credit report with XXXX. It is in XXXX XXXX XXXX data base. 

All of the payments made by whomever that have a business and uses checks with six digits and made wire transactions. 

Property Taxes have been paid on the property at XXXX XXXX XXXX XXXX TN XXXX. But not reported to IRS. 

I have a copy of my credit report from XXXX XXXX when I filed bankruptcy in XXXX. Payments was itemized by them. I will send you a copy if you need it for your investigation. Both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX have been deleted from my credit reports as though I never purchased the property. 

Even though the law states after foreclosure it should remain on your credit report for ten years.

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 2023-04-03
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: Personal information incorrect

Complaint:
On XX/XX/2023, I wrote a dispute letter to CRA Equifax and mailed notification disputing incorrect personal information reported by the credit reporting agency. In the dispute letter I specified the rationale for my compliant according to FRCA U.S.C.1681i. I mailed the letter via USPS certified mail, XX/XX/2023. As of XX/XX/2023, I have not received an update or response to my dispute. After checking Equifax 's website, there are no changes to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
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:
On XX/XX/XXXX around XXXX I deposited around {$1500.00} into the ATM at this WF branch. Ive been making deposits in this machine for 10 years with no issue. During the deposit, the machine beeps and shows a message that says, you have canceled this transaction and then says retrieve deposited items. The problem here, which is on camera, is I never hit any buttons to cancel the deposit and the money I put in was never spit out for me to retrieve. I went inside and waiting for 40 minutes to talk to somebody who said we dont monitor the atm call this 1-800 number and theyll fix it. 40 more minutes later of blaring hold music later i state my case and give details. 2 weeks later I get a provisional deposit, 2 days after my paternity leave started the money was withdrawn with no warning and then I get a letter in the mail saying I never made any deposit. Ive called to dispute the investigation, to appeal the decision, and have spoken to multiple XXXX, XXXX, and XXXX XXXX. Im on camera making a deposit in the machine and leaving without a receipt or money coming back out of the machine.

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 2018-11-24
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written to AR Resources, Inc., as well as XXXX Credit Reporting Agency -requesting that they investigate and update the inaccurate information they are reporting about me. The 'debt ' is not mine. The account numbers being reported are : XXXX and XXXX. This 'debt ' was incurred by someone other than me, using my name. Please investigate and instruct AR Resources to stop their reporting of inaccurate information about me. Thank you. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: SC
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:
On XXXXXXXX XXXX  I sent an identity theft report at and and that was received along with my drivers license because I am a victim of aggravated identity theft. Equifax is the only credit reporting agency that is reporting these negative accounts on my reporting financially causing me great harm. According to 15 us 1682 c-2 ( a ) a consumer reporting agency must block the reporting of all ny information in the file of a consumer identified as information that resulted from an alleged identity theft, not layer than four business days after the date of receipt by such agency.

Company response to consumer: Closed with explanation