BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a US Bank Visa Gift Card from a friend in XXXX, XXXX. I did not realize until XXXX, XXXX when I tried to use the card at my local XXXX that it needed to first be registered. On about XX/XX/XXXX, I went online to register the card and realized that someone using the name XXXX, had fraudulently registered the card and used it at XXXX on XX/XX/XXXX. See attachment XXXX, Card Activity, that shows two XXXX transactions that werent made by me or authorized by me. This realization was quite a surprise, as I have always been and still am in possession of this gift card. I assume this was a computer hacker or insider who had access to computer files containing US Banks Visa Gift Card account numbers and corresponding PINs. 

I immediately called the number on the back of the card, XXXX, and was routed to a call center somewhere in XXXX. This is an assumption on my part, but Ive called several times and each time I spoke to a different agent with a very thick XXXX accent. When I asked where they were physically located they said they were not able to reveal that information. The agents informed me to mail or fax copies of the card front and back and also include a copy of my drivers license. I explained I was not comfortable sending a copy of license and would only send it with my birthdate and license number blacked out. They could have my picture and address and see that I had a valid AZ drivers license. Their system was already hacked, I did not feel comfortable exposing myself to identity theft. I mailed the requested documents to US Bank Gift Card Cardholder Services, XXXX XXXX XXXX, XXXX, FL XXXX on XXXX XXXX, XXXX. I waited two months and heard nothing. A followup called revealed that they had my information but would not replace the Visa gift card because I blacked out my sensitive drivers license information. They wanted another copy of my license without the blackout. So I sent a copy on XX/XX/XXXX, but this time I sent it certified mail so I could track where my information was going. This enveloped was returned to me No Mail Receptacle, Unable to Forward.

I even went into a local US Bank branch to see if they could help me. But they still wanted to send my drivers license information to their XXXX XXXX XXXX XXXX. At this point, XXXX very uncomfortable giving this sensitive information to XXXX Banks XXXX XXXX XXXX XXXX. Its clear to me that that this card information was hacked. I feel US Bank is being unreasonable in admitting that the fraud occurred on their end. Ive even enclosed the receipt from the purchase of the gift card, ( See attachment XXXX ). If you can provide any assistance in getting a replacement {$100.00} gift card I would appreciate 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 monetary relief
Consumer complaint received 2018-04-21
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a summons to appear in court for a credit card that was never opened by me which can be verified by my credit report. Never received notices just went straight to a summons. The summons only included the last 4 numbers of the account and no transactions except a {$25.00} payment. I am going to send a certified letter to collections company regarding validation of debt and a letter to the credit card company.

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 2020-12-01
Company: JPMORGAN CHASE & CO.
State: SC
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: Card was charged for something you did not purchase with the card

Complaint:
A fraudulent charge was made to my Chase Freedom Account. I called immediately the same day to deny the charge and cancel the account.Chase did not cancel the charge and is demanding I pay even though the item was not picked up until the next day.Chase did not inform XXXX XXXX that the charge was fraudulent nor cancel ( deny ) the charge.Chase advertises that you are protected from any false or fraudulent charges but refuses to further investigate this claim. On XXXX I was told by a Supervisor Name XXXX that ; 1. It is my job to investigate the fraudulent charges not Chase 2. That someone using my name and claiming they are me is not fraud 3. The item was picked up a day after I filed the fraud complaint 4.XXXX XXXX was only notified by mail The charge for {$1300.00} was made on XXXX XXXX and my fraud complaint was filed on the same day.As far as I know from information supplied by Supervisor XXXX no action was taken by Chase

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

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 Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-09-13
Company: EMCC Holdings, LLC
State: CA
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:
Due to the Pandemic EQUIANT FINANCIAL SVCS starting reporting a late payment that I since been on time. 

EQUIANT FINANCIAL SVCS never reported on my credit before the Pandemic in which I was blindsided nor warned they were going to do so in order for me to correct any problem. 

Now for Some reason they are reporting negative history on my account that is affecting my score. 

I'm current and baffled why are they reporting on my credit file after my initial dispute they removed it. 

This is a mistake and I need it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Rausch Sturm LLP
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Bought bed and adjustable platform ( frame ) the bed started to sag right away called XXXX number and they came out and replaced it, that one started to sag right away and the platform was not working properly called and told them this deal was not going to work for nothing was good or working right. They came out took bed but never took platform, platform started to smoke XXXX days later, I unplugged it and put it in garage. 
When platform was first acting up I called sleep number and told them about bed and platform, they tried to tell me there was no warranty on platform, I said there has to be some kind for it is electric and has motors in it Instead of taking care of the problem they turned my bill over to collections and ruined my 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 2020-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts nor did I authorize these companies from pulling my credit. Please remove them.

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 2020-10-23
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
I've been a chase member for almost 2 years maintaining 100 % on time payments while never getting close to my limit. one day i looked and my account is closed yet processing multiple unauthorized payments. i contacted multiple chase reps and noone had an answer for me. Ive never breached my side of the contract but they certainly have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: OH
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  account ( s ) has violated my rights : XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX 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, Also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX {$24000.00} XX/XX/XXXX In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  Account # 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2020-09-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from my mortgage company, Carrington Mortgage services , LLC, stating I had an estimated escrow shortage of {$350.00} and if I wanted to prepay that, I could otherwise my monthly mortgages payment would Increase. This happens every year that my mortgage payment increases Whether I pay the estimated escrow amount or not. So I decided to figure out what I was doing wrong and pay that as well to keep my monthly payment t the same. Especially with the pandemic and decrease in income Ive experienced. 
So I figured out my insurance had also increased $ XXXXmonth which would total to $ XXXXyr. On XX/XX/XXXX I called the mortgage company at XXXX XXXX XXXX XXXX aN spoke with a woman named XXXX. She agreed that my numbers were correct and said I could Prepay a total of {$510.00} towards the escrow therefore the estimated Escrow shortage and the Actual insurance increase would be paid and my monthly mortgage payment would stay the same. She told me to call back on Friday XX/XX/XXXX and check to make sure the escrow analysis was completed and to make sure the payment was the same. I did what she said but XXXX answered the phone and said that this was not possible that I could only preepay the estimated escrow shortage for next year, i could not prepay the extra Insurance increase to keep the monthly mortgage payment from going up. And that I would be getting a refund for the extra {$160.00}. I asked to speak to a supervisor and XXXX came on the line and said the same thing- I asked why would XXXX tell me I could and she said She did not know but she gave me the wrong information. I clarified with her That I coukd pay and ESTIMATED escrow shortage, but I could not pay an ACTUAL. Insurance Increase. ( Which by the way is the same thing just different language - both are increases in my mortgage as you well know. They just word it differently. ) She said no I couldnt bc they dont set the insurance rates. I responded that I knew that but they charge me for them. If its an actual amount that set its much easier to deduct than an estimated amount. 
She was not budging and was feted nothing else. By the way, on XX/XX/XXXX when I got home from work I had my new bill from the mortgage company, ,which I assume was generated by the escrow analysis that was done on XXXX when I called and made the prepayment. It had the increased New Monthly mortgage payment nicely printed and in my mailbox. Ive yet to receive the refund check for {$160.00}. 
I will add the paperwork In the order it was received with this complaint. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have provided proof of identification theft on my credit report and consumer report and they still report student loans on my account they need to be permately deleted off all agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
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 Have been looking and observing over my credit a noticed multiple fraudulent inquiries on my report, The fraudulent inquiries are : 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, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
VEHICLE IS UNRELIABLE. HYDROGEN STATIONS ARE ALWAYS DOWN, AND THE CAR DOES NOT WORK. XXXX XXXX XXXX. PURCHASED XX/XX/XXXX. 
XXXX : XXXX XXXX 's Year and Model : XXXX XXXX COMPANY REFUSES TO REPURCHASE VEHICLE OR ALTER THE LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: FL
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:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. 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 non-monetary relief
Consumer complaint received 2020-09-13
Company: American Credit Acceptance, LLC
State: CA
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 am repeatedly seeing incorrect information in my credit reports that is either not updated continuously, or incorrect information is constantly being reported. It is not fair to be held to a standard to information in your credit report, but the information being reported continues to be reported inaccurately. For example, there is information that was reported on an auto loan that I just paid off beginning of month of XXXX, that was just reported showing that it " changed accounts '', and was included in the Chapter XXXX bankruptcy. This bankruptcy was discharged many many years ago and has nothing to do with this auto loan, that has now been paid off. Further more, information from this same company reported a late for the month of XX/XX/2020, when I was waiting for them to confirm my new monthly payments, as my previous contract had expired even though I still had a large balance of {$3500.00}. Someone needs to look into this because obviously no one is really managing this, but the information is quick to be uploaded to your account to affect your history. This is unfair and I think I need to get my lawyer involved so that he can review what is going on with these credit bureau companies, and these Creditors that are reporting inaccurate information constantly. This is my first step. My next step is to get my lawyers involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 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 XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-01-29
Company: Experian Information Solutions Inc.
State: NY
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 keep receiving thats the results of my dispute with experian credit reporting agency is ready to view online I put in the confirmation number and the Id number. After putting in my social security number I always receive an error message that I cant view the results. This is not the first time this has happened. The last confirmation number they gave me was XXXX and Id number 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 2021-03-02
Company: EQUIFAX, INC.
State: NC
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:
I have reviewed my credit reports from Equifax, XXXX and XXXX and have found the following fraudulent inquiries on my credit report : Fraudulent Inquiries Under Equifax XX/XX/XXXX : XXXX XXXXXXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXXl

Company response to consumer: Closed with explanation