BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: MI
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Chase bank and XXXX XXXX offer a co-branded card, " XXXX XXXX XXXX ''. My family recently upgraded to this card which costs > $ XXXX for the benefit represented as " XXXX XXXX XXXX XXXX - access to XXXX XXXX  at airports. XXXX members of my family are authorized cardholders, each with their names on their individual credit cards. My daughter was traveling today XX/XX/2022 and was denied access to the XXXX XXXX at XXXX XXXX  ( XXXX ). After calling in, and MUCH trouble, which included a malfunctioning customer help line at XXXX, being hung up on by XXXX supervisor and numerous required repeated attempts to validate on their automated system to get back in touch, I was told, yeah, that's only for the " primary '' cardholder, my wife. I am sick and tired of this bait and switch game - we have NEVER once tried to use a card benefit advertised by these bozos and NOT had a problem! This is a pattern. They are engaging in predatory false representations to steal money from people. In this particular case, you have got to do something and force them to disclose clearly the limitations of any benefit they are touting BEFORE the customers agrees to pay money for the " service ''. This is a systematic abuse, in my opinion, after long experience with these companies. You should investigate this practice. I am not a fan of government regulation. But this is the poster child for it. Please do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Good morning I am having a problem with my XXXXXXXX XXXX XXXX issued by comenity bank. They are negatively impacting my XXXX XXXX I reached out to them over a year ago trying to resolve this issue and no results. I stopped using the card in the middle of XXXX and at beginning of XXXX I full payed the balance around {$130.00}. XX/XX/XXXX, I started getting phone calls stating I owe them {$50.00} for a {$20.00} subscription I purchased XX/XX/XXXX. I have not use the card since XXXX and I am currently in and have been hospitalized since XX/XX/XXXX. I explained this to them and in XX/XX/XXXX they credited and zeroed out the account. now they are emailing me and claiming I owe them {$250.00} for the same subscription charges this year XX/XX/XXXX. I reached out to XXXX and Comenity bank and asked for the charges to be removed and my account be closed and they told me that I had to repeat the same process from last year, dispute the charges and wait on the investigation. My credit score was lowered. Ive never had a problem paying my bills. If you pull up my credit report you will see that all of my accounts are in good standing and have been for years. I am requesting that the charges be dropped, the account be closed and my credit score to be restored. Please assist me in resolving this problem. 

Thank you I am only able to pull up the last two years of statements and I have attached the most relevant ones for your review. 
XXXX overview XXXX XXXX initial charge I have also attached the emails about the changes in my credit score

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2023, XXXX XXXX XXXX Balance : {$15000.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$700.00}, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$2000.00}, 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We had two issues with our application that, in addition to the lack of professionalism and dishonesty or WF, had material financial implications : -our first application with Wells Fargo was closed without explanation ( XXXX  XXXX  ) -we had a complimentary, partial discount point offer which was never recorded and was not reflected on our mortgage ; the WF employee later admitted internally that this was an error on his part.

****I will be happy to elaborate at any point as working with WF was a grueling and arduous ordeal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Grain Technology, 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: Investigation took more than 30 days

Complaint:
GRAIN TECHNO- ACCOUNT # XXXX I am writing to bring to your attention the lack of response from your company regarding my request for investigation pursuant to the Fair Credit Reporting Act ( FCRA ) 623. On XX/XX/2023, I submitted a formal request for investigation concerning an account on my consumer report. However, to date, I have not received any communication or response from your organization, ( previous letter enclosed ). According to the United States Code, specifically 15 U.S.C. 1681i ( a ) ( 2 ) ( A ), upon receipt of a request for investigation, a company has a legal obligation to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08
Company: Conduent Incorporated
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Trying to apply for the XXXX XXXXXXXX cars to receive unemployment benefits and havent been issued anything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: NJ
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'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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My wife XXXX XXXX XXXX XXXX and I are co-owners of a medical clinic by the name of XXXX XXXX XXXX. We have a business Checking Account with Chase. We use XXXX occasionally to pay for variety of services. On XX/XX/XXXX, my wife received a text message from Chase Bank that XXXX XXXX XXXX was added as a recipient to XXXX. She contacted me and asked me if I had added this recipient. When we both realized that neither of us had added this recipient that this was likely a fraudulent addition, we contacted Chase within a few hours of their text. On XX/XX/23, XXXX payment of {$1200.00}, {$1700.00}, and {$1800.00} was made to this individual from our checking account. We did not add this person. We did not get a prompt from Chase Bank, verifying whether this was a proper addition to our XXXX client list. On our other bank, the first time, when an individual is added as a XXXX client, we get a notification and we approve, that indeed this person was added by us as a XXXX recipient. By the time we reached out to Chase Bank, the person had made XXXX withdrawls and we saw on our checking account that a third transaction was pending.

We called Chase and explained to them that we did not add XXXX XXXX XXXX as a client to recieve XXXX payments and we did not authorize any payments to this person. The fraud team helped us file a claim and mentioned that they would investigate the matter and get back to us. We received a letter back from Chase Bank on XXXX indicating that they had done their investigation and that " we had authorized '' this transaction and as such there is nothing they can do about this. We called the fraud team back on XXXX and mentioned that we did not authorize this transaction and we would like Chase to refund the money that was sent from our checking account without our authorization. The person mentioned that this was not possible. We asked to speak to their supervisor but she apologized but would not refund the money that was removed from our account. 
I am attaching the letter that Chase Bank sent us which contains their response and also the details of the transaction to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: SLM CORPORATION
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have sent in XXXX paperwork from my doctor. Sallie Mae has told me they don't recognize my doctor 's documentation as a valid proof of my XXXX ; therefore, they are forcing me into repayment which has caused an extreme hardship on my family. This is discrimination as when does a financial institution have the right to say someone is not XXXX when their medical doctor is saying they are??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: TD BANK US HOLDING COMPANY
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Please see attached letter sent to TD Card Services on XXXX for matter details. This letter was sent through my attorney 's office, I have still not received a response from TD Bank. This account was NEVER activated, I NEVER received a card, NEVER received a bill and they are trying to rack up late fees for interest. They conveniently don't respond in an attempt to rack up late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I had been out of work and had made some arrangements on when l would be making payments. 

So 3 days later l called XXXX and told them l would be making a payment and she guaranteed me that as soon as that's done, available funds will be made minus credit card fees but to my surprised l was told XXXX $ was a large payments so they have frozen my access to the funds and use of the card despite telling them that l needed the funds to be available and they had assured me of that but they now have been claiming that its a system that does that and they can not make them available for the whole 2 weeks until the XXXX of XXXX. 

Now despite paying off my balance by half they have caused harm to me and my family for bills and others. They have even charged me late fees/ monthly fees.as cant even release the funds or call me back as requested when theier Managers would be free. Its now over 2 weeks and no calls from Managers and no release of my funds. 

They are making loans of my held funds and making profits as l know they have probably borrowed those funds to other individuals and keep making free profits from me and others that may be in the similar case where l do not know how {$2200.00} is a large amount that would cause them to freeze my funds for over 2 weeks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 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 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 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 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have had multiple instances with Wells Fargo to where I have gotten paid and the money is deposited into my account and at the same time I had bills pull and they would charge insufficient funds fee 's and would advise me that the bill payment pulled prior to when my check was direct deposited in my account, but on my account it shows when the money was deposited and when the bill was initiated to be deducted, and shows on multiple occasions that my bills pulled hours after my deposit went through. I called them multiple times and they stated that what I see on my account is not actually correct, the times are not correct at all, I even called the companies that charged me for my bills and confirmed the times were after the deposit was made and still received a insufficient funds fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Couple months ago I have the same issue with collection agency but now is a collection company named SEQUIUM ASSET SOLUTIONS for a charge amount of {$280.00} from XXXX XXXX XXXX XXXX. Once again I do not own any amount because the address in the original charge is a different one from my actual address. Somebody else is using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 this XXXX concern, My name is XXXX XXXX XXXX XXXX, and I am writing this statement on my behalf regarding the information on my credit files. Fraudulent applications were submitted under my name or identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries listed in this report and on my credit file. I reported the theft to the Federal Trade Commission and have enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : Accounts : 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 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