BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
Company: Global Lending Services LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX, I was in an accident and received a citation for a XXXX, XXXX Police impounded my vehicle. I filed a claim with XXXX insurance to resolve the total loss and even offered to have the loss paid directly to the lienholder and would settle my ongoing dispute regarding balance outstanding with the lien holder after. 

On XX/XX/XXXX, Global Lending Services ( GLS ) without notice, " SECURED '' the vehicle and all my belongings in it, including valuable medication. They have refused to cooperate with XXXX to make the vehicle available for inspection. I was unaware until XX/XX/XXXX, when XXXX 's adjuster attempted to inspect the vehicle. Between XX/XX/XXXX, and XX/XX/XXXX, the tracking data on my car keys and the additional tracker in the vehicle has confirmed it has been moved to four different locations to prevent me or XXXX from having access to it. The vendor used by GLS, XXXX XXXX does not respond to phone calls and has yet as of this filing, provided and inventory of my possessions in the vehicle as required by Oregon law. 

I have had a dispute with the dealer of the vehicle as it was a washed title sale that inflated the value of the vehicle by {$5100.00} since it was purchased on XX/XX/XXXX. I informed GLS of my dispute, including documentation as well as the outcome of XXXX XXXX arbitration of the dispute in my favor to recover {$1000.00} of the money I paid directly to the lender, and asserted my rights against them as holder in due course, as permitted in my contract. Under the Fair Credit Reporting Act and the Fair Credit Billing Act, until they complete a proper investigation, that amount and any interest due can not be reported as delinquent or even collected against. 

On XX/XX/XXXX, GLS, delivered a non-responsive letter saying if I didn't make the monthly payment as listed they could report the amount as listed, but did not address the issue of the contract being a fraudulent and deceptive sale. 

On XX/XX/XXXX, right after I called them to demand their cooperation with XXXX and an explanation for their failure to address the investigation of the overinflated sale, GLS issued a default letter for {$730.00}, intending to sell the vehicle without allow inspection or claim adjustment. By doing so, they are hoping to prevent introduction of evidence of its prior salvage history. Unfortunately, A copy of the original XXXX claim to XXXX XXXX remains on file at XXXX XXXX XXXX XXXX and is continuing to be reported in XXXX as well as XXXX XXXX XXXX ' databases as of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: TN
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 Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States that I have a 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 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On Wednesday, XXXX XXXX, 2017 I contacted XXXX XXXX XXXX XXXXXXXX to pay a past due bill of {$150.00} on my credit report. A bill I did n't know I had, but wanted to pay for. I was informed that the total amount due was {$200.00} that included a " Deletion fee of {$15.00} '' I paid the {$15.00} because I wanted to have the record deleted immediately. After I paid it, I was told they would delete the bill from my credit report on the first of the next month. Why did I pay the extra {$15.00}? Is n't it there responsibility to delete it once it 's paid? I emailed them and asked them to refund my {$15.00} and the response was this : Hello, you were advised it will be sent to all Three Credit Bureaus on the XXXX of the month to be removed from your credit report. The {$15.00} was the deletion fee to have it deleted from your credit. If you have any other questions or clarifications please contact me at # XXXX ext. XXXX. I have never had to pay to have something deleted from my credit report before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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:
Dear Credit Bureau Transunion I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX. Account number, XXXX. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2022-05-24
Company: Experian Information Solutions 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 stolen and used by an unknown person obtained and used credit cards debt, now in collection, impairing me from getting credit, rental anything that have to do with credit

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 2016-08-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card
Issue: Rewards

Complaint:
We have Wells Fargo banking accounts. A banker was promoting Wells Fargo 's Visa card by saying if we apply a card and pay our cell phone bills once a cell phone is damaged or lost we will get a replacement with no question to be asked and indeed he got his own cell phone replaced. We applied a card and always pay cell phone bills by the card. Our daughter 's iphone got damaged and we took it to an XXXX. The XXXX replaced the damaged XXXX by a new XXXX, and we paid some {$300.00}. We filed card benefit claim by supplementing the XXXX receipt. The Wells Fargo benefit office found the excuses of not honoring this claim. 1st they said, we needed manufacturer 's cost estimate. Well, I called by explaining XXXX already replaced the damaged iphone. A representative acknowledged it as making a sense. Then no response for a long time until I called again. This time I was told I needed to get diagnoses. The damaged phone got replaced on XXXX XXXX! and already got replaced by then.

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 2015-04-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
repeated calls to my cell phone from XXXX XXXX XXXX XXXX. 
they said they were Wells Fargo Home Mortgageand asked to speak to someone I never heard of. 
Told them wrong number on XXXX/XXXX/15. Calls continue every few days. 
Same number called on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
" Within five days after the initial communication with a consumer in connection with the collection of any debt, a Creditor shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the Creditor ; ( 4 ) a statement that if the consumer notifies the Creditor in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the Creditor will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the Creditor ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the Creditor will provide the consumer with the name and address of the original creditor, if different from the current creditor. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: NY
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

XXXX XXXX XXXX, XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified.

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2015-09-16
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
hello ive recently put myself in a very stressful situation for no reason. i thought i got frauded by a company called XXXX for {$1900.00} on XX/XX/2015. turns out i do remember talking to them, those sneaky XXXX tried to sell my timeshare. i thought that i didnt realize the charge so called into fraud department of chase and said so, and i thought nothing was being done until i got a letter saying they were doing an investigation. i called into chase acouple times and never got anybody real after the initial call and i just wanted to tell them that IT WAS NOT FRAUD, as matter of fact i remember speaking to severly people from XXXX and they were actually pretty nice, hopefully they can get the job done soon,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: NY
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-09-28
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
regions bank XXXX XXXX XXXX XXXX XXXX took XXXX from my account i had a checking and savings i deposit XXXX i did a cashier for XXXX and another for XXXX gave it to XXXX XXXX XXXX to purchased me and my XXXX kids a home to call ours they cash my cashier check without giving me keys for the trailer my lawyer XXXX XXXX XXXX XXXX has copies of contract where the contract for trailer said paid and full XXXX XXXX XXXX XXXX, XXXX XXXX XXXX took my funds tried giving me a trailer i never pick i waited three months for a trailer i never chose they known for taking some customers money and keeping the trailer for them after this happen alot of fraud been going with my accounts checking and savings i should still get the trailer they played me with willing to give XXXX back alot but they cash out XXXX from me and tried giving me 8 sets of keys for a trailer that suppose to be ordered and me and my XXXX kids waited three months until they tried giving me and my family an awlful trailer that i never chosen and also they been having lots of fraudelent on my account i was unaware of i got into accident XX/XX/XXXX XXXX XXXX had XXXX XX/XX/XXXX had XXXX again XX/XX/XXXX on my XXXX  the XXXX  were out i deserve to have money into my account XXXX for my kids for when they would get into college i really been getting messed over im missing my XXXX out of XXXX   XXXX  XXXX XXXX XXXX me and my kids still not in a home i need my funds back can yall please help plus i waited three years for my settlement i got XXXX on highway in XXXX XXXX XX/XX/XXXX we deserve our funds im going to be XXXX XX/XX/XXXX life wasnt easy i couldnt work i had XXXX  XXXX XXXX XXXX i really need it back thanks my name is 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 2016-01-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My bank cards was stolen I went to the bank and told them they look in my account and said that everything is crear no withdrawal or deposits was made. Later that evening the bank said I deposits fraudulent check all day in my account and deleted me as a consumer

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have filed many disputes with XXXX regarding Capital One Bank Credit Card Division and the reporting of a 30 day late on XX/XX/2020. I called customer service in XX/XX/2020 to get a deferment on my account because I had a loss of Rental Income due to Covid19 The Representative assured me that I could skip next month 's payments. 

This 30 Day late has caused traumatic injury to my credit. I have filed at least 5 disputes with XXXX and called Capital One Customer Service several times to no avail. 

I am requesting Capital One take the negative report off my Credit Profile because it was a Covid19 related problem. That is the only payment that I ever missed with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
When I went to a car dealership and they stated that they were only going to use one bank and I said that was fine because I had my own financing but they could beat it with one company. I find out months later that they sent my credit to a lot of people because I was getting letters saying I was either approved or didn't accept credit. I also see Hard pulls I did not authorize as well. I just want these removed because it has added a lot of Hard inquiries and has hurt my credit score hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: PORTFOLIO RECOVERY ASSOCIATES 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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX & PORTFOLIO RECOVERY ASSOCIATES , LLC have violated : -15 U.S.C 1681b ( a ) ( 2 ) = consumer reporting agency can not furnish consumer report without written instructions of the consumer -15 U.S.C 1692c ( a ) = Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-01
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Other fee

Complaint:
Back in 2010, when I was busy with school, work, and volunteer activities, I was talked into signing up for a second credit card with Chase Bank, and told that this was a smart move to help build credit. I was told that this card came with overdraft protection to protect overdrafts from my checking account with the same institution. Meanwhile, I had my first credit card setup to pay the balance in full. In short, money was transferred from checking to clear the balance on the first card, and this pulled credit from the other card, which came with biannual fees and raising my interest rate from 19 % to 26 %. When I tried, numerous times over the years, to address this with Chase they ignored me, or diverted the issue. Interest rates are a function of risk. What is the risk to Chase when XXXX card is being paid off with their money? If a person did this, it would be check-kiting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-24
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:
I submitted a dispute in regards to inaccurate information in my credit report.

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 2020-09-28
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Transword System Inc XXXX XXXX has yet to reply back after calling him several times in regard to account XXXX XXXX I receive an check from the insurance company in the matter to clear this matter up and pay TSI Inc

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase Bank filed for foreclosure. We want to pay off the loan in full as we have equity and we can get a new loan, but we questioned their pay off amount. We wrote them a formal letter on XX/XX/XXXX their number. On XXXX XXXX, supposedly Chase referred the matter to their Executive Escalation Department. Chase responded rote us a letter on XX/XX/XXXX, but it was obvious that they had not read the original letter of XX/XX/XXXX, so we sent them another copy of that letter. Since them we have received separate letters from Chase promising a detailed reply to our concerns by XXXX XXXX, and then written requests for extensions by Chase on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. On XXXX XXXX we wrote Chase to tell them that we would not grant any extension beyond A gust XXXX, and that we would file a complaint with your agency. Today we received another letter from Chase requesting an extension to XXXX XXXX. Due to Chase 's failure to give us a correct payoff amount since XX/XX/XXXX, we have now lost our loan commitment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have wells Fargo Business checking account. I have written a check of {$1300.00} to XXXX XXXX on XXXX XX/XX/XXXX. Check was deposited on XX/XX/XXXX and reversed on XXXX XX/XX/XXXX. I called Wells Fargo last week to talk about this check... I was told that nothing like this happened. Today XXXX XXXX called me and told that check is rejected and she end up paying {$12.00} as check return charges to her bank ( XXXX XXXX XXXX XXXX. I called Wells Fargo today also at around XXXX XXXX... talked to XXXX... she told me it is rejected but why - she has no answer. 
Please refer the images... Wells Fargo is telling that it's some kind of forgery ... why Wells fargo didn't reached out to me if there was any issue? Moreover I have made the exact same payment to another person. It's embarrassing to see your business reputation ruined by such a shady bank like Wells Fargo. Can't accept this.

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