BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.

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 2023-01-25
Company: WELLS FARGO & COMPANY
State: PA
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:
Payment made over minimum required was applied to 0 % APR instead of higher interest rates balances. Even after requesting the bank it was not corrected where as card agreement says any extra payment made more than minimum required will be applied towards higher interest rates balances first.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
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:
This loan with XXXX XXXX belongs to XXXX XXXX. XXXX XXXX did not sign the promissory Note or mortgage. Please remove from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
Hello, My wife and I purchased XXXX airline tickets on XX/XX/20 which posted to my Bank of America credit card account on XX/XX/20. The flight was to depart on XX/XX/20. Due to the current pandemic, XXXX cancelled the flights and we requested a refund. Due to delays, XXXX stated they would issue a refund within 7 days, however, please allow up to 30 days due to delays. The refund has not been issued and Bank of America ( rightfully ) is charging me interest. I would like to dispute the charges to avoid accruing any additional debt XXXX interest ). I have tried calling XXXX and can not get through. Bank of America 's online banking does not provide me the option to dispute the charge. I am an essential worker and asked my wife to call in and advise of our problem. I did not realize that she was not listed as an authorized user. She then attempted to get me on the phone to speak with the representative who refused to take the dispute and insisted I call back. This is clearly not fraud or an attempt of her trying to use my credit card without my permission. The situation was not handled appropriately. Why was my wife not able to get me on the phone at that moment to talk to the representative? I'm at work and unable to call until after hours. Your policy, which is unethical is a hinderance and is wasting my time. The online banking system allows me to dispute other charges but not those specific ones. Why is that? I'm sure that other representatives have allowed callers to contact the primary card holders if needed. She was also not requesting information from the account, she wanted to provide information. This so called attempt to protect my information is costing me because your bank is charging me interest on a purchase in which I did not receive the service. I would like those charges disputed.

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 2023-01-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$320.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$500.00} ; XXXX XXXX Balance : {$950.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$390.00} ; XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-05-29
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Have reached out to Santander for a change in interest rate of XXXX % Have been laid off due to XXXX XXXX and hoped to settle loan for {$9000.00} dollars using XXXX withdrawal to decrease expenses and sell auto. 
Requests have been denied. 
The interest is excessive and unable to decrease balance because of this and car is underwater

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-02-25
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
RE : Incorrect mortgage 90-day late reporting XX/XX/XXXX on my credit reports which in forbearance I have a forbearance agreement dated XX/XX/XXXX for my Rushmore mortgage loan # XXXX. 

It confirms my forbearance arrangement was from XX/XX/XXXX to XX/XX/XXXX and it states I am eligible to extend for up to 250 days. 

XXXX now is my servicer and they are reporting my mortgage since inception XX/XX/XXXX correctly so having Rushmore report as another mortgage during these same dates makes it look as if I had two instead of one mortgage, in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Amsher Collection Services, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A few months ago, I disputed an attempt to collect {$220.00} on behalf of XXXX, made by AmSher Collections Services ( acc # XXXX ) regarding an ALREADY PAID final bill from XXXX. I have receipts and credit statements to prove this, so I disputed this through XXXX XXXX, sent them my evidence and wasnt surprised to find it removed from my credit due to a successful dispute relatively quickly. However, I then received a letter on the XX/XX/XXXX from XXXX XXXX XXXX, another debt collector, stating that they had picked up that same debt. The id # for this account is ( XXXX ) I believe this to be predatory collections tactics, on behalf of one or both collections companies. This debt was never existent as the final bill was paid IN STORE, in XXXX Minnesota late last year ( XXXX ). 

Id appreciate an investigation into this, and Im going to be filing a lawsuit against one or both of these companies as well because this is just a plain predatory attempt to circumvent my rights, over nonexistent debt. 

If you can contact me at : XXXX I can provide all the necessary documents, receipts and letters as I have to scan them into my computer and Im typing this on my phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I send a Certified money order through my bank to the lender. They say they did not receive it in XXXX but the letter sent to me saying they did receive it but they didn't know where to put it at. And my account was right on the letter. II call they say they return to check I never received it. I can not get the money until 90 days before I can go to the bank to cancel it. The manager who I call XXXX XXXX, ( XXXX ) she could not help I told her find the check. and not put me down as Delinquent. I PAY EVERY MONTH WITH A Money order from the banK Now it's a problem.

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 2022-03-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I keep getting this text and I dont even have a chase account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: HEAD MERCANTILE CO., INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, i sent a certified letter to SOS GROUP D.B.A HEAD MERCANTILE CO INC, A LETTER ABOUT A ALLEGED DEBT OF {$140.00} THAT I DO NOT OWE. ITS SHOWING UP ON MY CREDIT AND I AM SUFFERING FROM THE INACCURATE INFORMATION REPORTING ON MY CREDIT. I REQUEST DETAILED DOCUMENTATIONS CONCERNING THIS ALLEGED ITEM AND I HAVE ATTACHED A COPY BELOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TCF NATIONAL BANK
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our homeowners insurance policy is to be paid through our escrow account with TCF bank- our current mortgage company. We received notice at the end of XXXX that our insurance had not received payment of {$900.00}. A call was made in which my insurance agent spoke to a representative named XXXX who indicated that the check was sent XX/XX/XXXX to XXXX XXXX. It was never cashed ( or received by XXXX XXXX our insurance company ) so she was supposed to reissue the check and re send it to state auto. I verified with her the XXXX XXXX address and our policy number. We were told it would take 7 days. 


By XX/XX/20 no check had been received. On XX/XX/20 I called and got disconnected twice that day and no one called me back. So I called on XX/XX/20 again and talked to a representative named XXXX. She said she would send the check to our local insurance broker so someone could sign for it to make sure we would receive it. No one could give me a confirmation # after the phone call except for XXXX, but no tracking number was provided. 

On XX/XX/20 we had still not received a check. I called and spoke to a supervisor named XXXX who indicated he did not know why we hadn't received it, but would initiate the process for an overnight check and would call me back to provide me with a tracking number and confirmation number. He called me back to say he could not provide a tracking number but it would be available the next day. 

I called again on XX/XX/20 to get a tracking or conformation number for the check and spoke to supervisor XXXX. She indicated that she started the process and would email me with a tracking and confirmation number by XX/XX/20. 

On XX/XX/20 I had not received a tracking or confirmation number and called back. I spoke to a third supervisor. She indicated that the request had been closed because they received a refund for a previously written check. She said she could initiate the process again, but would be unable to provide the tracking number at that time. 

Without prompt payment our homeowners insurance policy would be cancelled and without guarantee that a check was sent via tracking number, I was forced to pay our homeowners policy myself. I was informed on my phone call that our escrow account would not have an overage equivalent to the full XXXX and that I would need to provide a declaration of payment to them and make a request for a check in the amount of the overage ( less than I had to pay personally ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-26
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-29
Company: Experian Information Solutions Inc.
State: TX
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:
In XXXX of 2018 I had a car that was repossessed. I was never given my license plate or registration back. Later I receive a toll tag bill with the same license. I also paid for MMP maintenance coverage and gap Insurance that was never prorated and reimbursed to the account. A year and a half later I go to apply for a job only to be denied the job because it shows a balance on my credit report even though I was told after the repossession that the Lien was satisfied. I was told whenever their is a repossession you are suppose to be given a chance to receive your belongings as well as your license plate tags and registration. I was able to retrieve my belongings but not my tags and registration. I also was not informed on when the bidding for the car toook place which would have given me a chance to buy it back.

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 2020-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Kohl 's Department store issued me a credit card. I made one charge on the card for XXXX dollars. Around the time that the bill was due they began to call me non stop day and night. I told them that I only owed XXXX dollars and that I would be in on Saturday to pay the balance. They continued to call and call. Finally after 20 calls I told them to close the credit card immediately and that as previously stated I would be in on Saturday to pay. I went in to pay and they had charged me a fee of XXXX dollars in addition to the balance. I paid the balance. Kohl 's has continued to charge me fees even though the account was only open for a month and I paid the balance. They say that I currently owe XXXX. I have repeatedly disputed that the late fees that they are charging me are based on THEIR own late fees NOT the amount that I owed for what I actually purchased. I paid for what I purchased how is it legal to have to pay fees after the account was closed and f the balance is only their fees? They have turned me over to a collections company and now I get the harassing calls from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-29
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: Investigation took more than 30 days

Complaint:
FTC VIOLATION ON THE REPORT AND LISTED HERE : NEVER LATE XXXX XXXX XXXX XXXX FTC XXXX XXXX L ALL FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX INQUIRES : XXXX XXXX XXXXL ALL NEED TO BE REMOVED

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 2023-05-12
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:
Im trying to buy a house and I realize that I have damage on my credit report ACCORDING To the 15 U.S.C 1681 LAW, THERE SHOULD not be any damages on your report is a Defamation to your character. 

REMOVE ALL FRAUDULENT INQUIRE!!! 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-02-22
Company: EQUIFAX, INC.
State: GA
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 asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXXXXXX XXXX Account number : XXXX XXXXXXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This toll fee number is pretending to be calling from US Bank to collect a presumed unpaid debt on my business credit card. The scrupulous rep is asking for bank information to collect payment. US Bank was informed but this thugs kept calling me. Below is the phone number they are calling from. 

XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief