BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The lease to my XXXX XXXX was up XX/XX/XXXX. I decided to keep the car so I financed it with XXXX XXXX and the contract was signed XX/XX/XXXX and gave a {$2000.00} down payment. The check was cashed on XX/XX/XXXX. XXXX is now aggressively contacting me stating that I failed to return the car and owe them over {$2200.00} due to not returning the car. The worst part about everything is that my credit score dropped over XXXX points. As per XXXX XXXX I was to send a letter to XXXX stating that it wasn't my fault and that it was miscommunication between XXXX XXXX and XXXX headquarters, basically I had to fix my own problem. XXXX XXXX also stated that they were going to cover all fees being charged. I spoke to XXXX today from American Honda and she stated that no one from XXXX XXXX has contacted them. This situation is causing a lot of stress and anxiety. Going from a lease to finance should be a smooth transition instead it is causing me a lot of problems that affect future purchases due XXXX quickly taking action on my credit score which can take years to build but they were quick to drop. Attached you will a copy of the cashed check and the letter XXXX XXXX asked me to send. The letter was sent out last Friday XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I open a U.S. bank checking account online on XXXXXXXX XXXX XXXX with promo code XXXX, the promo code terms and conditions say " Make two direct deposit and earn {$500.00} when your direct deposits total {$6000.00} or more ''. I made two direct deposit from my employer e-paycheck on the day XX/XX/2022 and XX/XX/2022, $ XXXX each which makes me believe all the requirements to earn the bonus are met. Unfortunately, I haven't see any bonus in my checking yet. Contact the bank customer service couple of times and today I receive a mailed letter telling me that my request has been declined just because this checking account is co-branded with State Farm XXXX which is not eligible for the bonus. I don't get it, are you telling me this account is not U.S. bank checking account? If it's not eligible for the promo, why the online system honor the code and let me go through account open process? I have the letter scanned and attached here, it says the promo code XXXX is on file.

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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
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: Their investigation did not fix an error on your report

Complaint:
XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account of a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: MD
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:
Several times spoke with agent online about the account and the status. Was making payments during the pandemic and they closed the account. Upon closing, they sold account to collection company. They then sent me a payoff amount. I later found that they are still reporting account as active and being late and with a high balance on my credit report. 

XX/XX/XXXX XXXX - XXXX XXXX L ( ChargeOff ) Alert from : Experian A Charge-off occurs when a creditor considers a debt to be 'uncollectable. ' Once a Charge-off is initiated, the unpaid debt is shifted to a non-receivable bad debt. From here, the creditor can either continue to report the entire amount as debt obliged to them or they may try to recoup some of the debt by selling it to a collections agency at a reduced price. Once sold, they must report the fact that the debtor no longer owes them a debt by updating their reporting to {$0.00}. However, the entire debt remains with the collection agency until paid. 

XX/XX/XXXX XXXX - XXXX Revolving Utilization Alert from : Experian You're using a high percentage of your available credit, which can hurt your scores. Keeping your debt usage under 30 % is best. Reduce debt usage by paying down your balance or increasing your limit by adding a new credit line with XXXX. 

XX/XX/XXXX XXXX - XXXX Revolving Utilization Alert from : Experian You're using a high percentage of your available credit, which can hurt your scores. Keeping your debt usage under 30 % is best. Reduce debt usage by paying down your balance or increasing your limit by adding a new credit line with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
{$150.00} was drafted out of my account which I didn't authorize {$18.00} XXXX XXXX XXXX XXXX   3x {$26.00} XXXX XXXX XXXX 3x {$33.00} 1x I put a stop payment on XXXX XXXX XXXX XXXX on XX/XX/XXXX and the expiration date was XX/XX/XXXX. 

chase bank did not honor the stop payment the amount went from $ XXXX {$50.00} I just put another stop payment on XX/XX/XXXX til XX/XX/XXXX for XXXX XXXX XXXX for the amount $ XXXX {$200.00} and chase bank did not honor the stop payment I did call XXXX XXXX XXXX and told them i wanted to cancel the wellness program as well as the insurance policy but they ended up taking the money out of my account any way either way they over draw my account for {$150.00} and something needs to be done I contacted the FDIC and told them about it but there never contacted the bank or me in regards to this matter and it needs to be addressed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-17
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Within the past 6 months, XXXX XXXX has decreased my credit limit 3 or 4 times making it impossible to pay off or even have a desire to shop there. I feel discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Overland Bond & Investment Corporation
State: IL
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 have requested for the credit reporting agency to provide method of verification for some inaccurate public records reporting on my credit file that I did not file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Im trying to purchase XXXX XXXX XXXX XXXX XXXX MD XXXX. I started the process with Wells Fargo in XX/XX/XXXX. They couldnt get an appraiser down her till XX/XX/XXXX. The appraiser report is incomplete and missing the whole point of the appraisal. It doesnt not have the estimated appraised value for the home. It was intentionally blurred out. The comps are clearly seen. But I didnt pay for neighboring home. 
I filed a previous complaint. But Wells Fargo responded with a response citing another mortgage appraisal I had done by them in XX/XX/XXXX. That was done accordingly. Im filing for XX/XX/XXXX. 
I called and left a message for the agent who didnt call me back. I called the toll free number today and was hung up on. Repeatedly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data and credit information from a defaulted note purchased from XXXX XXXX AT XXXX XXXX XXXX ON defaulted notes is a violation of UCC 9-110 and UCC 2- 401. As a private natural person consumer I have been violated. They use the Credit Reporting Agency 's to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with NATIONAL CREDIT SYSTEM. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). NATIONAL CREDIT SYSTEM can not and will not ever produce a contract between me XXXX XXXX, XXXX and NATIONAL CREDIT SYSTEM because that contract does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been using Venmo with friends and family to send and receive payments between us. On XX/XX/XXXX two family members, XXXX and XXXX XXXX, used their Venmo accounts to pay me using their XXXX XXXX XXXX XXXX cards. 

XXXX XXXX processed three payments for {$1000.00}, {$900.00}, and {$100.00} - totaling {$2000.00}. XXXX XXXX processed a payment for {$1000.00}. Each of them had enough funds in their XXXX accounts to cover the payments, and still do. I received the payments in my Venmo account and processed a transfer to my XXXX XXXX bank account. 

On XX/XX/XXXX each of us received emails that our Venmo accounts were frozen and requesting we send in photographs of our licenses. We have since done so, but our accounts remain frozen and we've received no information regarding why the accounts were frozen. If XXXX and XXXX had the funds to cover the payments why were they stopped and our accounts frozen? 

This appears to be a mistake on Venmo 's side, but we are the ones paying the price with frozen accounts. We utilize Venmo quite often and would like our accounts unfrozen so we can proceed with utilizing the service. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone wrote a fraudulent check in my account for XXXX $ i inform after 5 days tha bank by phone and they promise me they will open an investigation After I didn't receive any action I call again XX/XX/2023 and they send me a letter that they will not credit back the fraudulent charges because the claim is reported after 30 days The claim number with Citibank is XXXX XXXX I need to credit back this money asap I was a loyal customer of Citibank for more than 20 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 monetary relief
Consumer complaint received 2023-01-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
To whom it may concern : I am disputing 4 fraudulent ATM withdrawals made on XX/XX/2022 from my Chase Bank checking account totaling the amount of {$1500.00} and seeking reimbursement for the full amount.

The 4 fraudulent ATM withdrawal ( s ) that occurred on XX/XX/2022 were as follows : 1. {$60.00} ( not sure what time this occurred ) 2. {$800.00} ( XXXX XXXX  ET ) 3. {$400.00} ( XXXX XXXX  ET ) 4. {$300.00} ( XXXX XXXX  ET ) These withdrawals were made within minutes of each other at an ATM in New York, while I was in California ( where I live/work/reside ) while I had physical possession of my ATM card. 

I noticed the fraudulent withdrawals and contacted Chase Bank by the next day on XX/XX/2022 to alert them of this security issue, cancel my current card, have a new card issued, and dispute the ATM transactions. After 10 business days they have denied my claim despite my having physical possession of the card, and the withdrawals taking place XXXX miles away from where I live. 

I was surprised and disappointed that Chase denied this claim and could not get a satisfactory answer from their claims department as to why. Do they not have fraud prevention measures in place that protects me from excessive transactions being made within minutes of each other from another state and area from which I do not reside nor visit ( ever ). Additionally, is there no longer a daily limit for ATM cash withdrawals?

I am contacting this department to further pursue reimbursement of these funds in full ( {$1500.00} ). Under the circumstances, I do not think proper or just consideration has been observed by Chase Banks claims department with the denial of this claim. I appreciate any and all help in this matter. 

Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: MD
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 just looked at my consumer report and noticed some accounts I would like to dispute. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. The referenced accounts in the attachment should be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-10
Company: Experian Information Solutions 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:
I sent them letters multiple times And so far they have not yet respect the fact that I want to to remove the inquiries and late payments off my report.

The late payments can not be proven also.

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 2018-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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/XXXX a credit inquiry for CAPITAL ONE was placed within my XXXX, XXXX, and XXXX credit report. I contact the three bureaus to get them removed however they refused and told me I had to contact the company. So that's what I did. 

I called Capital One multiple times to get these resolved. After a few weeks they finally sent me a letter saying they advised the three bureaus to remove the inquiry from my report. However, the inquiry remained. I then contacted all three bureaus and sent them a copy of the letter ( attached ) sent to me from Capital One. The inquiry was removed from XXXX and XXXX, but XXXX still won't budge. 

Now, the Capital One inquiry was reinserted to all three reports dated XX/XX/XXXX. I now have TWO unauthorized inquiries ( XX/XX/XXXX & XX/XX/XXXX ) on my XXXX report, and one unauthorized inquiry on XXXX  and XXXX ( XX/XX/XXXX ) - all from Capital One. 

I have NEVER held nor applied for an account with Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I need help dealing with these credit reporting companies, reporting inaccurate information on my credit report, I do not have the resources necessary to send to all credit reporting agencies to change or stop reporting false information, and because of this, I am unable to get my basic needs met, as an XXXX XXXX, what can I do?? - I need them to stop reporting bad addresses and corporations.

Company response to consumer: Closed with explanation