BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019, I went to XXXX XXXX XXXX of XXXX, to repurchase a vehicle, i called Equifax, awhile, i was in the dealership, to get my rCredit File Unfrozen, I was ask security questions, and i was told, and pass them, because i did not have my Security Freeze Pin on me, at the time. XXXX XXXX, tried to pull my credit file again, from Equifax, and was unsuccessful. They were able to pull my XXXX XXXX and XXXX ; but not my Equifax. On XX/XX/2019, i came home and went online, to Equifax and did it online, and was told, that it was successful, i had to wait until Monday, to call XXXX XXXX, back and alert them, to repull Equifax, and was unsuccessful on XX/XX/XXXX & XX/XX/2019. I sent in a copy of my Driver License, SS Card & Utility, XX/XX/XXXXXXXX  bill, to confirm my Identity ; and gave them my dates to unfreeze, the credit file was still frozen. XXXX XXXX dealership, need to have a copy of my Equifax, along with all 3 to finish up, the process, and close the deal out. It is to the point, that my contract, is in jeopardy with XXXX XXXX dealership, if they can't pull my credit report, asap. Mr. XXXX XXXX and Mr. XXXX XXXX XXXX is my finance guy and sales person, is able to confirm, everything, that is said, in this e-mail, about the getting of my credit file unfrozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3600.00}, {$7400.00}, {$7700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account.

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 2020-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau XXXX CFPB XXXX as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 2020-05-05
Company: Santander Consumer USA Holdings Inc.
State: MN
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 was trying to get a loan from these company regards with automobile finance for a vehicle sadly they all turn me down these company states I owe money and has collection s on my name and fact was I filed bankruptcy chapter XXXX and was discharged there for it wrongful these company refused and discriminated me and refused of finance me due to I filed bankruptcy and yet they stated I has multiple collections under my credit score this means they have gotten wrong information when ran my credit score there should not be a denial of my credit regardless due to I am protected under the bankruptcy law they making up their own wording and stated this and that and mainly they don ; t want to finance me because of my low credit score of 400 or 500 score they think I am a high risk because I filed and has a bankruptcy discharged they made it impossible for me to finance a vehicle and establishing credits for them doing these practice they pretty much saying if I could paid off my collections or debt out there and then they would approved me once again I am protected under the United states bankruptcy law chapter XXXX it is wrongful these company denial my credit applications due of my bankruptcy chapter XXXX has been discharged they only help people and finances people who has no bankruptcy that is a discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Dear CFPB, On regards to complain number XXXX from the CFPB I originally filed, I want you to know, the bank Wells Fargo XXXX has just credited my banking account for the fee. 

Thanks for your efforts, and for closing these XXXX XXXX complain eligible cases. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
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 have previously been the victim of identity theft and now have some more items appearing on my credit report that were not done by me or authorized. I will be placing security locks on all three bureaus to prevent this in the future. The list of Unauthorized Inquiries are : XXXX XXXX  XXXX. XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
4 years on years this company has been harassing me with medical bills that do not belong to me the latest one at {$10000.00} medical bill that is absolutely named to a company that doesn't exist and any directory or any corporate Ledger XXXX XXXX XXXX XXXX XXXX 's is a new name for some other entity they probably made up to continue to XXXX and honestly get away with extortion. XXXX XXXX XXXX does not think of themselves as having to comply with any laws that the XXXX peep without there nor the fcra or congress. There are giant criminals with thousands of complaints across the internet and we continue to let them do business. this latest piece of extortion opened XX/XX/2020 is with a company I've never heard of nor have anything to do with or have signed any bill or promise to pay

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 2019-11-14
Company: BB&T CORPORATION
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have talked to regional Acceptance many times during my loan. 
I started paying on my vehicle XXXX XXXX XXXX in XX/XX/XXXX. My loan matured in XX/XX/XXXX. They are still saying I owe XXXX on the loan. I know that I may owe a little but it doesn't make sense to owe XXXX. It is like I never paid anything. 
I feel I am being taken advantage of. I'm not sure if this has happened to anyone else.

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 2019-11-14
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I can't see very well or read well. I took a {$1500.00} title loan on my truck and was told it would {$1600.00} to pay back. I finally got someone to read it to me to double check and they expect me on social security XXXX to pay over {$8000.00} back. Aren't they ripping me off? Isn't it illegal to charge that much interest? I'm paying on it but {$8000.00} ... .. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a business account with Chase back in XXXX, with a promotional offer to receive {$300.00} once I made five qualifying transactions. ACH transfers were listed as a qualifying transaction. I made sure to do 10 ACH transfers to an external account so the bonus would trigger. I did not receive the bonus and through secure messages with online banking Chase told me that because I initiated the transfers from Chase 's online account management, they are coded in the system as " external transfers '', not ACH transfers. However, these should be qualifying transactions according to the terms of the promotion since they are in fact ACH transfersthis is the way external transfers work, and this is in fact reflected in the statements from my other financial institution ( attached transaction list from XXXX ), which lists credits and debits to and from chase as ACH transfers. Since the transactions I did were in fact ACH transfers, they should've satisfied the terms of the promotion which were disclosed on account opening ( attached ). I've attached the correspondence I've had with Chase so far regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following ; US DEPT ED XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following ; US DEPT ED XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2021-09-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX and Equifax are reporting a 30 day late payment on my XXXX XXXX  account. This account was never late. This is inaccurate reporting has caused my credit score to drop. Please update account status to current and remove late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2017-11-29
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On my XXXX credit report it shows also know as XXXX, XXXX, XXXX, XXXX not me. 

It show Employer XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Have never worked for them Have worked for XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX Have never lived at XXXX XXXX XXXX XXXX XXXX UT 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 2018-09-17
Company: CITIBANK, N.A.
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:
Hi, I just checked my XXXX XXXX to see how I am doing and my score had gone down XXXX points. I clicked on it and it said I have a hard inquiry from XX/XX/2018 and all that is there is " CBNA '' and " XXXX XXXX XXXX XXXX '' and that is all the information that I have. I do not know what it stands for nor did I give permission to anyone/ anything to get a copy of my credit report. I also have not applied for anything so I do not know what this is and why it is on my record. Is someone trying to impersonate me because this is very worrying.

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 2017-11-24
Company: Experian Information Solutions 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 have mailed 3 separate letters requesting EXPERIAN to validate accounts listed as XXXX, XXXX, XXXX, and XXXX XXXX. With those letters sent ... I included notarization for every single letter along with copies of my identifications. I also mailed all of those via certified mail as evidence. 

However, Experian has failed to verify those items as I have not received any documentation with my signature on it. Every time I receive a generic response from Experian saying that they have already verified and that they will not reinvestigate this matter. Yet I dont have any verification as proof. 

I sent letters on the following dates to EXPERIAN : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On XX/XX/XXXX, EXPERIAN basically responded with a Credit Report copy without any changes. I will attach the last response they sent on XX/XX/XXXX. 

I spent money multiple times on Notaries and in Certifying Mail services trying to resolve this with EXPERIAN.

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 2021-11-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I placed an order for XXXX in the amount of {$600.00} with XXXX XXXX on XXXX and paid with XXXX through Chase online to this gmail address : XXXX. Once I made the payment to the email, I immediately had a weird feeling that they were a scam. Within a few seconds, I called Chase and asked them to cancel the payment.

Chase told me that XXXX is a third party App and I need to contact them. Chase is not able to help me. I was very confused by this. I called XXXX, they only had an automated voice recording which basically said that if I am calling regarding a transaction made through my bank online, I should contact my bank. So, Chase is telling me to contact XXXX and XXXX is telling me to contact my bank. In the meantime, I lost {$600.00} because neither you or XXXX would help me. 

I called Chase several times, and they kept repeating the same thing. I need to call XXXX because it is a third party App and they don't have anything to do with it and there is nothing they can do. I was quite surprised to see that Chase is offering something through their website that is this awful. Do you know that all XXXX does is say to contact your bank if you made the transaction through your online account? And Chase is just making their customers go in circles because you keep telling us to contact XXXX if the payment was made through XXXX. 

I can't walk past a Chase bank without seeing big posters of XXXX with the Chase logo on it. This is the reason I used XXXX in the first place. I thought using something that Chase is offering would be more secure. It would be easier to cancel or dispute a transaction. I would have never used this if you are not going to support any customer service that they can't provide. 

I looked into XXXX further and it is owned by Early Warning Services which is owned by a private financial company that is owned by several banks including Chase! When I call and you tell me that you can't help me because XXXX  is a third party App, this is a lie. That third party is Chase. I lost {$600.00}, had no help from Chase or the XXXX which is owned partially by Chase. How can you say that you have nothing to do with the 3rd party App when you are partial owners of it? 

I can't get to a live person on XXXX. I filled a scam report with them where they basically said they will forward it to the receipient 's bank. I doubt anything is ever done. 

I called Chase to file a dispute but when I called on XXXX XXXX they said the funds transfer immediately and when I called on XXXX XXXX to see what else can be done they said it's already posted so they can't do anything. 

How is a bank like Chase offering an app through their site they financially back and offer no fraud protection?

Company response to consumer: Closed with explanation