BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-09
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I went to both XXXX and XXXX dealerships looking for a vehicle. First, XXXX told me by running my credit report, multiple lenders would request my report. There wqere some vehicles that lenders would not approve me on, so the sales rep and I looked at financing for different vehicles. I was told by the sales rep that multiple hard inquiries would not hit my report. Well, I have several that are on my report that are effecting my credit. 

At the XXXX dealership, they said they did not have to run my credit because I provided my credit report to them. They ran my credit and I had hard inquiries on m y credit report, without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 had mailed in a dispute to each bureau on or around XX/XX/XXXX. The dispute was against XXXX XXXX XXXX for incorrect and erroneous reporting that transpired after the settlement of the account in XX/XX/XXXX. This issue was made know during the processing of my mortgage for the purchase of my new home. On XX/XX/XXXX, I had applied for a mortgage to start construction on a new home through a builder. The home slated to be completed in XXXX with closing set on XX/XX/XXXX. Last month, on XX/XX/XXXX, when my loan officer re-pulled final credit needed since my original report had expired, I was made aware of the unacceptable updates made on this account. 

The account in question was a charged off auto loan through XXXX. This loan was settled on XX/XX/XXXX. That was the date of last payment made on this account. This was not an acknowledgement or acceptance of the debt ; it was merely an attempt to help improve my overall credit status to be able to move forward with my life and move my family on to a new home. There shouldve been no subsequent reporting since then ; yet, there were several. Enclosed are the disputes that were sent to each bureau. Additionally, after the submission of these disputes, I was able to obtain a copy of each tri-merged credit report that was pulled for the purchase of my new home. I was also able be accommodated with a breakdown of each bureau, showing the account in question. This was provided by XXXX, the company used by my lender to pull each credit report. In speaking with them, they had informed me of each bureaus specific illegitimate status updates on this account. 

Within the disputes I had requested that each bureau provide me with the information being used to maintain such errors on my credit report and even went as far as requesting a wet ink signature validating that this account was in fact mine. In calling each bureau today, I was informed by XXXX that the disputes were final, and no changes were made. I was told by TransUnion that the dispute was completed ; however, the rep acknowledged that the initial reason for the dispute was NOT addressed and that a new dispute was re-submitted and that Id have to wait an additional 30 days. XXXX claimed that they hadnt changed the reporting of an old dispute and then alleging that they hadnt received anything in XXXX from me. This is unacceptable being I am at risk of losing my new home that construction is just about complete, along with the substantial deposit that is on hand with the builder.

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 2018-03-07
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Today XX/XX/2018 at XXXX I contacted XXXX at XXXX. I contacted them in an effort to get my online banking unlocked. I currently have a Checking account, Credit card and Life Insurance policy with USB. I was told the only way I could unlock my Online Banking was to obtain a Debit Card. I expressed that I do not want a debit card on my checking account, that it is a service that is not wanted or needed. The individual on the call ( which I did confirm was recorded ) stated that it was required to have a debit card to have my account unlocked, because I had a debit card in the past ( which was five years ago ). I do not appreciate being FORCED into a product or service that I do not want, expressed that I do not want, and that I do not need. I feel as though they acted as XXXX XXXX recently did, but giving me no option and forcing me into a product that was never disclosed as a requirement. I do not want a debit card, I do want online access. And considering this was never a disclosed requirement to have a debit card to have online access I want it resolved immediately. I also highly encourage you to listen to the recorded call, I just had. I am completely amazed that they very abruptly violated regulation by forcing me into a service.

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 2018-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/2018 a {$400.00} withdrawal was made from my checking account from an ATM in XXXX XXXX, WA. On XX/XX/XXXX I saw the withdrawal while reconciling. I did not make this withdrawal, so I called Bank of America and cancelled the debit card, reported the fraud, filed a claim, and a credit was issued. Claim number : XXXX. In XXXX the credit was reversed and a " claim denied '' message sent with no details. I called Bank of America to ask why the claim was denied and was told no information is available beyond the town ( XXXX XXXX, Wa ), the name " XXXX  '' ( which means nothing to me ) and the date. I went into the XXXX WA branch office to speak to a representative and was told that no one in the office could help me. In fact that because it was fraud related, nobody could even talk to me about it. I needed to call of fax the fraud department. I called back and re-opened the complaint. I asked for 1 ) the time of the transaction, 2 ) the location of the ATM and 3 ) the reason the claim was denied. Roughly 1 month later I received another claim denied message with no information. I called the fraud tel # again. This time I was given a reason : my card has a chip so I must have used it myself or given the card to someone. They still could still not give me an ATM location or transaction time. I can prove I was not near XXXX XXXX on that date so I re-opened the claim. It's now XXXX and I have not received a response. From my perspective, {$400.00} was taken out of my account and Bank of America is refusing to provide the necessary information so I can pursue it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: T.S. Holdings
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX they claimed I owe them an application fee.. I called them and explained that it wasnt me me and how I was going to fiord a police report against them.. they told me they was send me a fraud packet.. u never received it I never applied to any apartments in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13
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:
My ex husband used my information to get his school loan before we divorced in XXXX, XXXX with company name 'XXXX  '. 

He filled out electronic loan papers and used my identity. He put his 2nd email address and his cell phone with my information as cosigner. 

After 10 years these loans are showing up on my credit report and ruined my score because he is not on top of making payments. 

I talked to XXXX numerous times with police report for fraud too. 

1. Loan # XXXX Original loan amount {$13000.00} current amount over {$28000.00} Opened XX/XX/XXXX 2. Loan # XXXX Original loan amount {$10000.00} current amount over {$16000.00} Opend XXXX All I want XXXX takes my name off these loans. 

My sign was not notarized for these loan. All done under electronically.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: JPMORGAN CHASE & CO.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I bought a vehicle online. I wired the full price for the vehicle to a recipient at Chase Bank. The vehicle was never delivered. After some investigation I discovered the automobile website was still advertising the vehicle I thought I had purchased. After the failed delivery date the seller refused to respond to me. The trucking company also refused responding to me. I later discovered that both the seller - and the trucking company were fictitious. However, since Chase Bank conducted the wire transfer they know the recipient of my funds. Both my credit union and I have contacted Chase Bank about the fraud, but Chase Bank has not replied to either of us. I also learned that the car I thought I was buying was actually owned by yet another car dealership at the time and was subsequently sold. However the fraudulent website is still perpetuating the fraudulent sale of 'my ' car. So Chase Bank is an active partner in this consumer fraud. Only Chase Bank knows who the perpetrator is, but they refuse to provide my credit union with that information so the LLC can be prosecuted. I have attached all the facts, forms, dates, and other information chronologically documented in a singular file for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
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:
Hi I filed a complaint with Experian XX/XX/XXXX and XX/XX/XXXX I never received any correspondence from Experian According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify,.

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 2021-07-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Horribke experience I applied for the Llbean MasterCard and I called and they refuses to call me to verify me my fraud alert the line kept disconnecting then they say that since I had a closed account with ll bean I have to wait until XXXX when they never told me that this isnt fair the way I was treated I wish to be contacted by Citi executive office by phone to explain what happened further

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 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Fraud on account. The creditors disappeared last month and then came back. I spend over 3 hours everyday on phone with the scam artists at TransUnion. They need to remove the following. 


Inquiries : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX   Last 4 of social -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 2021-07-08
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and opened many accounts without my permission or authority.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: JPMORGAN CHASE & CO.
State: MI
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 experienced over {$1400.00} worth of charges to my credit card in which I did not make the purchases. The purchases were charged to my XXXX XXXX account but I was not the one to complete the purchases nor did I in any way authorize them. I asked XXXX XXXX to issue a refund for these unauthorized charges and they told me to speak with the Game Developer the charges were paid to. The Game Developer told me only XXXX XXXX could refund the charges. XXXX XXXX insisted the Game Developer is the one who has to provide a refund and if they won't help to dispute the charges. The Game Developer denied a refund and told me to dispute the charges with Chase. I disputed the charges with Chase and was denied the disputing stating that the charges were authorized and that I was responsible for them. I've been going in circles with all three companies XXXX Chase, XXXX XXXX, and the Game Developer ) and spent hours of my own time trying to resolve this issue for well over a month now and no one will help to resolve the issue. I have submitted emails and conversations that were had with both XXXX XXXX and the Game Developer to my credit card company showing they said to dispute the charges but am still denied. You can't talk to anyone at Chase over the phone regarding the matter and can only email them which they don't reply to but send you a letter weeks later. They have additionally not provided any proof showing why I am responsible for the charges I didn't make, which i had requested from them as well. The loss of the money during the pandemic has made this even harder to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have reached out to XXXX, XXXX and XXXX  regarding gross inaccuracies on my credit report. I have yet to hear of the results or even have my inquiries responded to to date

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Experian Information Solutions Inc.
State: NC
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 belongs to someone else

Complaint:
Experian allowed an unknown individual to access my Experian account, change my email address and to access my personal financial date to include my social security number. Experian did not try and contact me via email to inform me that my email address had been changed. 
When I found out about this, I contacted Experian and their response has been less than adequate. Experian has outsourced its customer service function to the XXXX, and even after I spoke with a supervisor named XXXX, they were at best rude. 
The individual who accessed my personal information made several attempts to obtain credit, but was so far ineffectual. However, my XXXX score has dropped from XXXX to XXXX. 
I want to bring legal action against Experian because of this. I did record my conversation with Experian and can provide you with a copy of the recording. 
My name is XXXX XXXX. Currently I am living in the XXXX, but because of this I will have to return to deal with this financial catastrophe. My email address is XXXX. My cell here in the XXXX is 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 2020-10-13
Company: Guild Mortgage Company LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
To whom this may concern .guild mortgage company has been sending me threatening me just start making me pay my monthly payments. I am involved in the Cove in 19 caract for forbearance. I have evidence that shows that I have documents that prove that Guild mortgage has allowed me to be involved in the forbearance program. I want this lettuce to be stop sending to me from Guild mortgage. Do you start emants that I have proof that the situation is existing and going on. Am I want is threatening letters to be stopped immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concern : I XXXX XXXX XXXX am a victim of identity theft and identify fraud where XXXX XXXX XXXX and XXXX XXXX XXXX two wanted fugitives for multiple XXXX. That I reported to the New State Attorney General and the Massachusetts state attorney general. There an active NYS attorney general investigation in to XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX as well the two fugitives named above XXXX XXXX XXXX is my mother so she had all my Information as far as D.O.B XX/XX/XXXX S.S. # XXXX My address XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX. After I reported my whole family for multiple XXXX they retailed by XXXX XXXX is my cousin she call all my creditors XXXX XXXX XXXX  XXXX XXXX and making false claim of my accounts being put in to collection. XXXX XXXX my sim card out my XXXX and creating XXXX dollars in fraudulent charges and called XXXX put it in to collection not once but twice. After it was resolved with XXXX and discharged off my credit report do to fraud. These events have adversely affected my Credit score before the fraud I was an XXXX with Trans union now Im a XXXX with Trans union. Please restore my credit score to where it was before the Identify theft and the Identity fraud that I reported to the F.T.C and other agency CFPB years ago. If not I will be forced to take legal action. Thank you XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2019-06-11
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On XX/XX/2019 I contacted Navient to enroll in 6 month grace period due to graduating on XX/XX/2019. Navient said I was not eligibile for grace period and did not explain why. I informed Navient that I work part time for a school and I am currently unemployed because of the summer I can not afford my monthly payments they are demanding me to make. They asked about my co signer I told them my grandmother income changed age can not help me with the payment. I asked for a hardship forbearance I was denied. The representative hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Professional Recovery Management
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have mailed 2 debt validation letters to this company and have not received any response from this company. A debt of {$180.00} is showing on my credit files and I am unaware of owing this debt. Two certified letters were mailed to this company one on XX/XX/2019 and another on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Submitted a credit limit increase request online, was required to submit IRS Tax Transcripts via online or by mail. I elected by mail, since I am not a United States citizen and have not previously lived in the United States. It's been an unreasonable amount of time and I have not received a decision. My concern is that American Express is collecting my personal financial information and possibly sharing it with third party agencies or other lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, 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 status incorrect

Complaint:
Student loans are showing incorrect status. Status was supposed to update to show a positive status per telecon with XXXX.

Company response to consumer: Closed with explanation