BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: CO
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 was reviewing my credit report because i always keep up with m credit but when i saw my scores going down when i research i find out companies pulling credit can affect credit scores etc. and i found some companies have been pulling my credit without my authorization. some of the companies i spoke with regarding one thing or the other are always asking for personal information but never say is it ok to pull your credit and then later on i see they have pulled my credit with verbal or written verification from me, i and i find out that they are not supposed to be doing that, and i can dispute all that I feel was not authorized by me. on XXXX the XXXX i called XXXX spoke to someone in the fraud department explained that i have contacted the company that pulled my credit they were not trying to help me and the said to follow up on my credit report in 72 hrs. ' not change i call again several time after no change. im writing asking to have those hard inquiries removed deleted from my credit report as i did not authorized and of them listed 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I refer to the payment in the amount of USD XXXX that was rejected by JP MORGAN on XXXX XXXX 2022. 

I wrote to the bank and also wrote to the US Treasury Department, but no one answered what I could do to get the money back. I will be glad if you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
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:
This account doesn't belong to me and is reporting fraudulently - Remove ASAP- I have disputed with the CFPB.

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 2022-12-12
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I called to inquire about *the possibility of* a product change ( downgrade ) in XX/XX/XXXX. During that call, I decided against downgrading, told the representative that I was not going to downgrade, and hung up. However, when I checked my account a few days later, I had been downgraded, so I called customer service to re-establish my prior product. They told me that nothing would change as a result of this. 

However, I have not received my {$300.00} travel credit that is part of my product ( Chase Sapphire Reserve ). I usually receive that in XXXX of each year. I received it in XX/XX/XXXX, but have not received it in XX/XX/XXXX. 

Chase has charged me the {$550.00} for the yearly fee, but has not provided me with the {$300.00} travel credit that is sold with the product. 

I have had to call and talk to a representative XXXX separate times over the months since I found this error, and every time they " escalate '' the problem to the correct team. Every response I then receive does not answer my underlying issue, nor applies to my account the {$300.00} travel credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-21
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: Their investigation did not fix an error on your report

Complaint:
Sent Item dispute letter on XX/XX/22. Received a stall letter from Transunion on XX/XX/22 stating that my request appeared to be sent by an unauthorized party. I sent them copies of my Drivers License, My Social Security Card and my most current electric bill. I did this all myself, and did not have any third party do it for me. Even if I did have a third party do it for me, there is nothing illegal or unusual about that. Transunion has failed to send me any verification or metro 2 compliance information regarding this debt, and I believe they are doing nothing but stall the process. Please look over the documents I sent to Transunion, which I am attaching to this complaint. Thank you. The File Number Transunion sent me was 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 2022-12-02
Company: WELLS FARGO & COMPANY
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please see the attached letter of dispute. Wells Fargo failed to communicate with me that a joint account was delinquent. They had contacted me in the past of a late payment and I brought the account current asap. Had they made any effort to reach me, a signer on the loan, I would have made sure it was paid. No mail, email, or phone call attempt to contact me. Furthermore, they only reported the one 30-day late payment, after almost a year with them. I had to call and ask for a third time that all the previous on-time payments be reported. Of which they have only reported a few at this point. The current credit reporting is incomplete and I want the 30-day late removed as I was unaware the payment was not made and they made no effort to advise me.

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 2022-09-28
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've sent two certified letters to the try and resolve and verify this debt. they responded to the 2nd letter without providing any or all documentation regarding the debt that owed. Action are currently still being reported by the company. 

Certified letter # 1 XX/XX/2022 Tracking # XXXX Amount {$2200.00} Midland Credit Management Certified letter # 2 XX/XX/2022 Tracking # XXXX Amount {$2200.00} Midland Credit Management

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I responded to a text message from Santander bank. Stating that their was fraudulent activity on my debit card and I stupidly gave my debit card my number my social security number and date of birth. I froze three credit beaureas. I put a hold on my debit card and ordered a new card. I locked my card first then ordered a new one then froze my 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 2022-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used my Venture card to purchase airfare. That trip was cancelled by the airline due to COVID 19. The airline issued me a voucher for the amount paid to be used within one year. The airline ceased all operations shortly after issuing the voucher and has recently filed for bankruptcy. There was no time when it was ever possible for me to use the voucher and it expired. I asked CapitalOne to reimburse me for the purchase as I received no goods in return. I was denied by CapitalOne for various reasons. One time I called in and they told me to wait to see if the airline would make amends. The next time I called in CapitalOne told me it was too late to get any reimbursement. I wrote two formal letters to CapitalOne but received no help. Ultimately, I paid for a service I never received and both the airline and CapitalOne showed no signs of helping me. I lost nearly {$400.00}. Other travelers on this flight who booked their airfare with XXXX and XXXX XXXX DID receive a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: U.S. BANCORP
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was a month ahead on my auto loan payments with US Bank, and I needed extra money this month, so I turned off autopay the week before the payment was due. Then they still withdrew the money 2 days late, which nearly overdrew my account, though they showed it as being timely in their system.

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 2022-11-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, my wireless carrier took {$330.00} from my account for a bill that I had already paid with a different card. I disputed the charge with Wells Fargo and a provisional credit was issued to my account and I sent Wells Fargo the proof of the duplicate payment in the same amount. However I had unknowingly misspelled the email address and the proof was not received. 

On XX/XX/2022 Wells Fargo incorrectly reversed the credit and willfully overdrew my account. I called and confronted them and was told to resend the proof to the email address XXXX which I did. I called in 2 days later, today XX/XX/XXXX, and requested the error be corrected. 

Instead of correcting the issue I have received nothing but one excuse after another and being threatened by their third world foreign call center reps who can not speak English and I have yet to receive my stolen money back. 

If my stolen money is not immediately credited back to my account along with a public apology, I will have no choice but to pursue legal action against Wells Fargo.

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 2022-12-12
Company: PENNSYLVANIA HOUSING FINANCE AGENCY
State: PA
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Financial Warranty LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
on or about XX/XX/2022, I hired financial Warranty to help me with my credit I was told by there advisor to put a stop payment on my pay day loans, so I called my bank and paid {$90.00} to put a stop on them. well the bank didn't tell me that it would only keep them from going through if they did a vch, but they didnt they used my debit card instead which they went through. I called financial warranty to tell them what had happened and while I was on the phone with the advisor he put there payment of {$200.00} U was not aware of this until I hung up and called my bank. I called them back and tolled them I didnt want to go through with this and that I wanted a refund because they had taken all the money I had left in the bank and that I could not pay any of my other bills. Sense that day I have been on the phone just about everyday still trying to get my money back. I just called them again this morning and they said it was still in the works. please these people are thieves they have put me and my credit in worse shape then it was before hiring them. I am behind now on all my credit cards and I dont no what to do. I am XXXX XXXX XXXX XXXXXXXX and am now having trouble getting into a home because of my credit and the fact that I'm behind on all my bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-01
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I made a wire transfer with the wiring instructions provided by Rushmore mortgage. XXXX processed the transaction and confirmed the transfer. The money came out of my account the very same day. 
Till today, Rushmore Mortgage hasn't applied the payment for over {$84.00} thousand dollars. I've gone to chase and they have assured me that the transaction is correct, and Rushmore has that money. I've contacted Rushmore mortgage several times, but they have no answers, just tell me to keep on calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: TX
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 wit the fair credit reporting act XXXX XXXX XXXX account number XXXX, XXXX XXXX  Account XXXX XXXX ; XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXy Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX  Account XXXX XXXX ; XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ; XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX ; XXXXXXXX XXXX Account # XXXX ; XXXX XXXX XXXX  Account XXXX XXXX ; XXXXXXXX XXXX XXXXC Account # XXXX ; XXXX XXXX XXXX Account XXXX XXXX ; XXXX XXXX XXXX Account # XXXX ; 15 USC 1681 Section 602A States I have right to privacy. 

15 USC 1681 Section 604A Section 2 also stats a consumer reporting agency can not furnish an action without my written instruction. ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: SYNCHRONY FINANCIAL
State: MI
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:
This is a complaint on the advertisement practices of XXXX website and how they are luring customers to apply for their credit without asking for full XXXX and mentioning about a hard enquiry throughout the process. 

XXXX ) I selected XXXX as the payment type on XXXX XXXX and it redirected me to their website. 
XXXX ) I selected my XXXX credit card on XXXX 's website to pay for the flight and it suggested and gave me an option to use PayPal credit and I could get {$40.00} off from this transaction. 
XXXX ) It sounded like a credit limit BMPL companies like XXXX gives without doing a hard enquiry. 
XXXX ) They didn't mention at all that this is an application for a credit card and there will be a hard enquiry. 
XXXX ) They didn't even ask for my full social security number. 
XXXX ) After I applied for the credit card, they said I'm approved for {$5000.00} and gave me {$40.00} off from next XXXX transaction. 

The whole process is luring customers like me with {$40.00} to apply for their credit card without mentioning that there will be a hard pull and it can affect my XXXX XXXX. 

My score dropped by XXXX points in XXXX and XXXX points in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
Wells Fargo reporting closed & paid account as 30 day delinquent.

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 2022-08-01
Company: Experian Information Solutions Inc.
State: OK
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:
I am filing this complaint again. Your company sent me a letter stating that I am not the person that filed the original complaint. I am the person filing this complaint. I am filing this complaint on behalf of myself and not any one else. 

In accordance with the Fair Credit Reporting act XXXX XXXX account number : # XXXX and # XXXX, has violated my rights. 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 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 explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: CA
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, U.S. Department of Education Account # XXXX, Account # XXXX, Account # XXXX, XXXX - XXXX XXXX Account # XXXX, XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation