BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On Friday, XX/XX/XXXX, I received a call from XXXX XXXX XXXX : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX, CA XXXX At first they refused to disclose who they were or why they were calling and said that papers were being served against me, and that I had to verify my social security number and phone number. I asked her if she was calling to serve legal papers from the courts and she said she couldnt tell me unless I provided my personally identifying information : she did not say no, which allowed me to think this might be the case. They would not disclose what type of papers or that it was an attempt to collect a debt, but wouldnt give any additional importation so I hung up. 

Then a manager, XXXX XXXX XXXX called back and said it was for a balance from am overdraft fee from XXXX for about {$220.00} from TD bank, and that if I didnt settle immediately that I would have to go to court, and have to pay their legal fees, And the bill would be more like {$1000.00} dollars. 

At that, I agreed to that old debt and paid it. Then, I looked up the statue of limitations and realized it was long past. 

I called back and spoke to XXXX XXXX about the matter, told her it was illegal to mislead me, that the statue of limitations in New York was three years for an old debt, and asked for my money back. She said that the mark has appeared on my credit as recently as XXXX, and that the account was only a couple of signatures away from litigation. I said that was still past the statue of limitations, then she agreed that was true, and in fact it was a lie and could not be sued. 

She said that if I canceled the payment it would restart the clock on my debt. I would never have even spoken to these people if they hadnt lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
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 paid

Complaint:
XXXX ( XXXX XXXX country ) XXXX XXXX XXXX vs XXXX XXXX XXXX Type : Other Collections XXXX ( XXXX ) - under XXXX Case Number : XXXX Filing Date : XX/XX/XXXX Case Status : Closed/Inactive Court Location : Civil This case was closed on XX/XX/XXXX. 
but XXXX keep say, I own them money XX/XX/XXXX Writ : Execution ( Issued ) XXXX XXXX XXXX, against XXXX XXXX, XXXX XXXX, {$9100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to log into MyEquifax all this morning Wednesday, XX/XX/2019. The MyEquifax system tells me that my account is locked - to call Customer Care at XXXX. 
The first two ( 2 ) agents I talked in Customer Care of Equifax put me on hold and then cut me off. 
The third Customer Care agent sent me a link to reset my password. This did not work. He then sent me another password reset link, but said to wait 30 minutes and reset the password. 
I waited more than 30 minutes and the MyEquifax system took the password change again, but then said my account is locked. It said to call Customer Care.

The 4th Customer Care agent sent me another password reset link and said wait 30 minutes to use it. I waited an hour, reset my password and tried to log in. The MyEquifax system said my account is locked and to call Customer Care. 
The 5th agent in Customer Care hung up on me after about 10 seconds.

I tried talking to a different Equifax agent in another department ( new identity protection products ), who tried to help me, but eventually the Equifax phone system cut me off after about 30 minutes of discussion. Before I was cut off, this agent said he needed to try to find other technicians to help me.

When I was trying to get help on this matter, after being disconnected numerous times, I saw that I can send an email of my issue. The Equifax system has taken my complaint and assigned Case # XXXX. 

As of this time, no rep from Equifax has tried to call me on this matter. All I have is a system complaint response and the experience of being hung up on and disconnected by their agents numerous times. 

As of this morning, XX/XX/2019, I can not log into my account at Equifax the MyEquifax system. Being told by Equifax that my personal information was already compromised in the Equifax hack of several years ago, I need to review my data and information that they have in response to their email sent to me on XX/XX/2019. 

I need help from someone to get this critical matter corrected at Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 was drugged and extorted for around XXXX dollars in XXXX on my last night there. I filed a police report and the guy was caught on five sperate security cameras at both the ATM amd the two separate stores he made me buy him things at while I was still too high to defend myself or run. One of those charges was a {$940.00} charge for XXXX XXXX. It took me 3 hours to get the initial dispute filed but they refused to accept a copy of the actual police report. They said they would call me if they needed it and then denied the charge after less then 12 hours with no follow up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-29
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Recently I was sent a letter saying that my debt was validated. Which I find to be outrageous simply because the debt is not my debt. I respectfully request to be provided proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Providing anything less than this is a violation! Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

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 2019-10-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised to reach out to you regarding somethings on my credit that is not mine. My son went to get him a car and needed a co signer. I really didnt want to do_ it at first but I know that my son just had a baby and a car is a need at this point. I went to co sign and got denied. At this point im confused on that especially being that I purchased at XXXX dollar car with no problem. I went home to look at my credit and I see things on there that ere not mine including address_es I have no idea about or who stays there. Please remove these acco_unts from my credit asap XXXX and XXXX XXXX XXXX. I also see where a recent bankruptcy was filed and i have never filed bankruputcy. I spoke with the XXXX XXXX people and they was not able to see anything and is sending me proof of this. These inquries are not mineXXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was also advised to reach out to the FTC and my local police which I did.

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I recently did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

DEPT OF EDXXXX  Account Number : XXXX XXXX  XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX XXXX  XXXX Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 

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 reason to believe that the information is inaccurate. 

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 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 non-monetary relief
Consumer complaint received 2020-10-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX is reporting inaccurate payment history, across XXXX, Equifax and XXXX, please Delete per the Fair Credit Act. 611 There are 6 XXXX account with the same account number : XXXX Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Several checks were stolen from the post office. because I pay my bills twice a month there were approximately seven of mine taken, they were than either washed or deposited directly into a bank ( other than mine ) Chase bank is aware of the situation and reimbursed me for all but one. This check is in excess of {$4000.00} dollars and has yet to be remimbursed to me. allthe others have. This particular check is obvious fraud due to the fact that it remained payable to Chase mortgage and signed by an illegible individual. Chase is now saying that the bank ( I believe is XXXX XXXX  XXXX ) is dragging their feet therefore Chase is refusing to reimburse me. I am filing this complaint due to receiving a letter from Chase that they have put a timeline on this situation and if the other bank does not pay them I am out of luck and, to be exact {$4300.00} of luck and they will close the issue. I believe that it is such an obvious fraud that Chase should reimburse me and go after the other bank to be reimbursed to reimburse them, maybe then they will push a little harder if they are ones losing the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised to reach out to you regarding somethings on my credit that is not mine. My son went to get him a car and needed a co signer. I really didnt want to do_ it at first but I know that my son just had a baby and a car is a need at this point. I went to co sign and got denied. At this point im confused on that especially being that I purchased at XXXX dollar car with no problem. I went home to look at my credit and I see things on there that ere not mine including address_es I have no idea about or who stays there. Please remove these acco_unts from my credit asap XXXX and XXXX XXXX XXXX. I also see where a recent bankruptcy was filed and i have never filed bankruputcy. I spoke with the XXXX XXXX people and they was not able to see anything and is sending me proof of this. These inquries are not mineXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX. I was also advised to reach out to the FTC and my local police which I did.

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 2019-10-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised to reach out to you regarding somethings on my credit that is not mine. My son went to get him a car and needed a co signer. I really didnt want to do_ it at first but I know that my son just had a baby and a car is a need at this point. I went to co sign and got denied. At this point im confused on that especially being that I purchased at XXXX dollar car with no problem. I went home to look at my credit and I see things on there that ere not mine including address_es I have no idea about or who stays there. Please remove these acco_unts from my credit asap XXXX and XXXX XXXX XXXX. I also see where a recent bankruptcy was filed and i have never filed bankruputcy. I spoke with the XXXX XXXX people and they was not able to see anything and is sending me proof of this. These inquries are not mineXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX F XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was also advised to reach out to the FTC and my local police which I did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: CAINE & WEINER COMPANY, INC.
State: NJ
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:
These Three company have deliberately had unauthorized inquiry on my credit report, I need to be deleted IMMEDIATELY XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX These are the following dates of unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened this account during XX/XX/XXXX with a promotion of {$400.00}. 
Your terms and conditions were either unclear or very confusing. Like whether it is {$1000.00} for 3 consecutive months or something else, not at all clear. 
When finally I talked to XXXX, I was told that i have time tillXX/XX/XXXX.I kept the {$1.00} as minimum account balance. 
Couple of months - I got $ XXXX direct deposit but not everything is in my control. 
Expecting $ XXXX as a direct deposit every month when jobs are not stable is not a good idea. My previous job is over with pending back wages claims with XXXX ( XXXX XXXX XXXX XXXX  ). XXXX has given verdict in my favor but back wages are provided as a check from XXXX not via the employer direct deposit. I was suppose to have 3 consecutive direct deposits of $ XXXX but it couldn't happen due to my job situation and pending investigations/litigation by Government agencies ( against my previous employer ). Needless to say there is more than $ XXXX kind of pending payment from the employer. For last 4 weeks - I am on unemployment wages ( since XXXX XX/XX/2019 ). One should understand that unemployment wages can not come any where near to $ XXXX direct deposit in a month. Moreover first week is a waiting period. 
Having said that could you please offer me {$400.00} cash bonus, I missed the terms and conditions ( which i initially misunderstood in the past ) with very short margin. 
Thanks in advance. Even self employment direct deposit using software takes around 7-9 days. 

Already during the last 5 months, I am getting direct deposit which is very near to {$3000.00} per month XXXX Around {$2000.00} Direct deposit XXXX {$330.00} and another Wells Fargo ACH of {$3100.00} XXXX {$3000.00} XXXX {$1000.00} XXXX {$1000.00}

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 2022-08-05
Company: Experian Information Solutions Inc.
State: CT
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:
Hello On XX/XX/XXXX I sent out a letter to Experian, XXXX, XXXX I asked for a full validation of the reported information for 3 items. Amounts were for {$9100.00}, {$890.00}, {$470.00} I asked for signed, original contracts for that correlates to the accounts in question. I got billing statements but now signed contracts. I sent a follow up letter on XX/XX/XXXX stating I previously requested that you provide original contracts for the items that I previously disputed. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant.You are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report.You are required to do this under the FCRA 609/611. I have since received an email saying that this has been validated but the items are still on my report and not signed contracts were provided.

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 2019-10-31
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I recently applied for the Barclay 's XXXX Visa Credit Card on XX/XX/XXXX under the assumption that I would receive the advertised cash back rewards, and my application was immediately accepted. Two weeks later, on XX/XX/XXXX, I received an email that the entire reward system will be changed entirely where, among many other sore points, accrued points will now only be eligible for XXXX points. I called the support line on XX/XX/XXXX to voice my discontent with the sudden change, but the customer representative simply said there was nothing they can do, that the program changes were unilaterally decided by XXXX. 

The advertised rewards pale in comparison to what they are offering now, so I can't help but feel as if I was deceived into opening this account. It just seems as if the promoted benefits were just a part of a bait and switch operation to get individuals to sign up for the credit card.

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 2023-08-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief