BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: LD Holdings Group, LLC
State: OR
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 applied for a mortgage with Loan Depot on XX/XX/2022 with a loan officer named XXXX XXXX ( XXXX XXXXXXXX ). I authorized a credit report pull on this day and the loan officer completed the credit report pull on this day. On XX/XX/2022, the loan officer discovered that I was shopping around, and pulled my credit report XXXX more times ( in the same day ) to deliberately lower my score so that no other lenders could help me. Between XX/XX/2022 and XX/XX/2022, my score XXXX score dropped XXXX points with no other changes to my credit report other than the inquiries in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am writing today in hopes to gain your help. Currently I am working on going over my credit, paying down my balances, and pursuing better credit worthiness. 
You play a significant role in this process. I am asking about the account number referenced in this complaint. 

I see you have reported me 30 days late to the credit agency ( XXXX, XXXX  and XXXX ) on XX/XX/2018 and I am submitting this to get this remark took back. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX & XXXX ACCOUNTS XXXX 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
Consumer complaint received 2021-05-11
Company: EQUIFAX, 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:
I logged into Equifax.com on XX/XX/2021 to submit a dispute : confirmation ( XXXX ) and was advised that I would have a response to my dispute on XX/XX/2021. It is now XX/XX/2021 and my status is still showing as under investigation please help. This account is NOT mine and I have been trying to get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to fix the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-06-14
Company: Skagit Bonded Collectors, LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was given an exact amount for medical service that was quoted over the phone. Prior to the appointment with the doctor I paid for entire visit. After the visit they tried to charge extra without any explanation. There were no tests or special treatment during the visit. When I talked to the accounts receivable department the lady agreed that I should not have been charged. When I called after they filed delinquent payments, another lady said she puts everything into collections and I was too late in calling her. I do not owe this unjust and made up charge.

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 2023-08-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Took out a loan in XX/XX/XXXX for my XXXX XXXX XXXX XXXX. When the loan documents were received, it was for XXXX XXXX XXXX XXXX XXXX Regular on time payments were made to XXXX XXXX who reported to all 3 credit bureaus ( Equifax, XXXX, XXXX ). Received a notification in XX/XX/XXXX that my account had been closed, yet a balance is still owed. 

Reached out to XXXX XXXX, who stated that XXXX XXXX XXXX took over the loan. In speaking with XXXX, they mentioned of only reporting to XXXX at that time. However there was no communication given from XXXX XXXX or XXXX XXXX XXXX that my account was going to be transferred along with only bureau reporting. 

In reviewing my most recent statements, they are coming from XXXX XXXX still. 

Reviewed my credit report in detail on XX/XX/XXXX for all three bureaus and XXXX XXXX XXXX XXXX is no longer reporting to any bureaus at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$7500.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Global Lending Services LLC
State: NC
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:
Hey so theres like 14 unauthorized and unknown inquiries on my credit. I dont know who is inquiring about things on my credit but I am not doing any of these. I have my car note, my Open carry weapon loan, my 2 credit cards and self. Thats it. So all of the other stuff? Im very confused as to where it came from and I believe its fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 2. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 3. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
4. The following status is Incorrect and unverifiable XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 5. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Delete this account. 7. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 8. The followng information is incorect XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 9. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX 13. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: SF VAGO, LLC
State: NY
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:
3 auto loans were established using my credentials without my authorization. These accounts were opened fraudulently with EMVLP LLC formally known State farm. I have reached out to this company regarding the fraudulent negative reporting on all 3 credit bureau agencies and there has been no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My issue is with Bank of America with whom I have had my checking/savings accounts over the past 10 years. What has prompted my complaint is that I recently started using a bank of america preferred cash rewards credit card ( for supposed premium customers ) along with other cards such as  XXXX  or   XXXX   XXXX  . In addition to these credit cards I have several others with other major bank credit cards. In every major institution with the exception of BOA, the ability to set up recurring payments for the full balance amount is extremely easy to do online. With the BOA credit card accounts they have deliberately set up their online payment system to allow recurring payments but only through a fixed amount as opposed to allowing multiple options of : a ) a fixed amount. b  ) minimum payment. c )  statement balance. d ) total balance. All other bank credit cards I have afford all those options.  <P/> In order to get around this, consumers have to submit a written form for payments or call a third party firm to do what every other major bank allows online. For Bank of America to set up a payment structure in this manner is clearly intended to take advantage of consumers. By hindering consumer ability to pay off their credit cards they are clearly trying to exploit customers to pay insufficient minimum payment fees or interest fees because NO  ONE  has a fixed credit card fee every month. As such WHY would they have a reoccurring payment option with the only option of a fixed fee unless it 's to exploit their customers? I refuse to believe this is just because of stupidity.

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 2021-10-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today I attempted to set up automatic payments for my mortgage. After selecting my mortgage account and immediately upon selecting " Set up automatic payments, '' Chase 's website reported the following error : " One of the accounts you're using isn't eligible for this transaction. Please choose a different account. ( Error code : XXXX ) '' I contacted Chase mortgage by telephone and reached someone who would only identify herself as " XXXX. '' She told me she would call me back in a few minutes after she found someone who could help figure out the problem. I never heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States 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 an account without my written instructions.

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 2021-10-27
Company: WELLS FARGO & COMPANY
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 was identity theft and the debt is not mine.

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 2017-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with balance transfer

Complaint:
I am a  XXXX   XXXX  Veteran who is on a FIXED INCOME. I have  XXXX  Capital One Credit Cards and recently receive a pre-approved balance transfer notice in the mail from my  Credit Union  (  XXXX   XXXX   XXXX   XXXX   ) I a ccepted the Balance Transfer with the Hopes of cutting down on the Credit Card Interest Capital One was charging me 29.99 % interest on the cards. My credit union sent CHECKS to Capital One in the amount of {$1300.00} for  XXXX  card and {$3600.00} on the other card over a week ago and Capital One has NOT posted it yet. PLEASE, PLEASE can some  one  HELP me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My bank , Wells Fargo,  is failing to update another payment service,  XXXX , I use that I have connected to the aforementioned  Wells Fargo  account. The service  XXXX  is an app that allows  one  to access part or all of their next check a pay period earlier but they base the amount and frequency of of the reporting from whatever banking institution you have. This means if your bank fails to report balances and direct deposits posting in a reasonably timely manner you could end up suffering.  Wells Fargo ne eds to do a better job at updating their servers and reporting to these external financial institutions. This is no where near the first time I 've had to encounter this. This is just the first time it has inconvenienced me to the point of feeling the need to file a complaint.

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 2021-10-27
Company: JPMORGAN CHASE & CO.
State: MN
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:
Chase ( Amazon Credit Card ) is refusing to re-open my dispute that I had with a company selling counterfeit items and not shipping all of the product advertised because it has been past 60 days. 

The transaction date of the purchase was XX/XX/21. 
I filed my original dispute with Chase against XXXX on XX/XX/21 because the product didn't arrive. 
I contacted XXXX that I wanted a refund as soon as the order arrived on XX/XX/XXXX because not all of the item was received and it was counterfeit. I waited to hear back from the company and did not receive any word so I filed another dispute with Chase on XX/XX/21. Chase would not dispute the charge because it had been 60 days even though it was out of my control.

I am requesting my {$440.00} back.

Below is the Order information : Seller : XXXX - ORDER # XXXX Order summary : XXXX Infant Car Seat Stroller with Base 1 Nitro Black {$390.00} Subtotal {$390.00} Shipping {$49.00} Taxes {$0.00} Total {$440.00} USD Shipping method Express Priority Tracked Shipping Payment method ending with XXXX {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: WELLS FARGO & COMPANY
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I bought furniture from XXXX XXXX XXXX.lady working there told me that i can get finance without any interest so i signed up for it.lady did not tell me that i have to pay within a year.i signed agreement without reading condition.i did auto payment for it so i do not have to worry monthly payment.At the end of one year wells Fargo sent me a invoice and they charged me XXXX interest charge .when i contacted they told me that i had to pay withing year otherwise they charge me interest for entire amount which they finance.i asked them if i had to pay within year why they allow me to do automatic minimum payment.they said i signed up for it and i signed agreement.This case is confusing and misleading advertising. date of purchase-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 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1800.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$280.00} ; XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXX Balance : {$680.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX SC XXXX ; XXXX XXXX XX/XX/XXXX ; 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 2022-09-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint again to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation