BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried multiple times to have identity theft fraud acounts taken off of my credit report. XXXX, expierian and XXXX  keep filing it as a normal dispute and not identity theft. I've submitted ftc reports and proper identification several times. My right are being violated I've talked to several managers and all they tell me is there's nothing they cam do until investigation is done.. it is keeping me from qualifying for a mortgage and I am facing eviction I've been working on this for months. They refuse to take items off that do not belong to me. My XXXX kids and I are going to be XXXX. This is entrapment. I feel helpless. And as if I have no rights and the credit bureaus get to dictate my life. I don't understand why they are not following the law. I submitted my ID and social security card along with ftc reports. Why won't they do their job? It's the most rediculouse ordeal I've ever encountered. I've called almost daily basis I've spoken with managers they all yell me somthing different and ultimately that I have to continue to wait. I did wait resubmitted my documentation for them to again file it not as identity theft but as a normal dispute. It's insane and I am going to sue but in the meantime. I need these items taken off or we will be 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 2017-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had items removed from my credit report and reinserted without notification. These were items that i previously disputed. I also disputed inquiries that were removed and reinserted. They also removed collections and then put them back under accounts and then added them to collections again

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 believe my personal information was compromised there are unauthorized and unverified fraudulent inquiries reporting on my credit reports ( TransunionXXXX ) I have not applied for anything and these need to to be removed. 

XXXX XXXX, XXXX. 
XXXX : XXXX. XXXX, 2022 XXXXXXXX XXXX XXXX : XXXX. XXXX, 2022 Transunion XXXX XXXX XXXX : XXXX. XXXX, 2022 XXXX XXXX XXXX : XXXX. XXXX, 2022

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 2019-12-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX  I received a check dated for XXXX XXXX XXXX, to the amount of XXXX from the XXXX XXXX XXXX. I was an employee for the XXXX at that time. I tried to cash the check during early XXXX since I was out of town when the check arrived in the mail. When I tried to cash the check through the mobile deposit app, I got a message saying that the check has already been cashed, even though I hadn't even opened up the check. At that time, I reached out to the bank I attempted to deposit the check into, XXXX XXXX who said that I would need to contact my employer, as it was an issue on their end. When I contacted my employer, they said that there was nothing that they could do on their end, and that I would need to contact their bank, Wells Fargo, to file a Fraud Report. I was provided a copy of my endorsed check to submit with my affidavit of fraud report. I contacted Wells Fargo on numerous occasions to see this matter be sorted out, however, they told me that there was nothing they could do on their end, except have me file the affidavit of fraud report. I filed the affidavit of fraud report (attached). When I was talking to the associates at Wells Fargo, they told me that when they were reviewing the paycheck that I was given, they saw that the XXXX XXXX XXXX had issued a check with the same check number and amount on the same day that my check was issued (XXXX XXXX XXXX).   Furthermore, when I was talking to the associates at Wells Fargo,  they told me that my check was chased during the week of XXXX XXXX; however this couldn't have been me, as I was in XXXXXXXX XXXX  at the time. After filing the affidavit of fraud report, I have tried to follow up with Wells Fargo, but they are being unresponsive since I am not the account owner on the account (The XXXX XXXX XXXX account). This is the point I am at today, I do not know what else to do. My money is being held in this limbo state, and I have been working for the past 5 months to get it back. I am just trying to get my money back.

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 2022-07-22
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and requests. I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given Experian this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.

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 2016-07-02
Company: Collection Bureau Services, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My wife went to the hospital to have XXXX. Although her insurance is in my name, the financial responsible person is her. I 've explained this numerous times to them. In doing a little research, this company is notorious for their terrible collection practices. They lied to me to get a judgment on me by telling me they were helping me. There are XXXX accounts showing up on my credit report and all of them are very small except XXXX and all are my wife 's 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 2016-10-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was approved for the Chase Sapphire Reserve card on XX/XX/2016. I applied for the card because I had upcoming travel XX/XX/XXXX and XX/XX/XXXX, and wanted the " Priority Pass Lounge Access '' which is stated as a benefit on the Chase website : " Access to XXXX+ airport lounges worldwide with complimentary Priority Pass Select membership. '' Hidden in the terms of service, Chase explains that you must " activate '' this benefit first on their website. After learning this, I activated the benefit on XX/XX/2016 and was told I would receive a card in 2-3 weeks. The Priority Pass card never arrived, so I followed up with Chase Customer Service and was told another card would be sent. Two weeks later, I have still yet to receive this card and I am unable to take advantage of this benefit. 

Chase 's website and terms of service do not disclose that card members may experience a significant delay in their ability to access this card benefit. As such, I believe their website is misleading potential card members to think that this benefit will be immediately available after " activating '' their Priority Pass membership online. 

The terms simply state : " Complimentary Priority Pass Select Membership One time activation required. There is no additional cost to activate your membership and certain terms, conditions and exclusions apply. Priority Pass Select membership includes access to airport lounges participating in the Priority Pass Select network. Participating lounges are owned and operated by independent third parties and their participation and/or facilities may change. To access a lounge, member must show his/her valid Priority Pass Select membership card. Priority Pass Select membership is subject to the Priority Pass Select Terms and Conditions. Account must be open and not in default to maintain membership. For complete Priority Pass Select Terms and Conditions and a listing of participating lounges, please visit XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: Jon Barry and Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have sent address update/remove to the credit bureaus XXXX different times. XXXX, XXXX, and Equifax has yet to update my report with my recent and only address. I've sent sworn affidavit with the correct address. The address XXXX, XXXX, and Equifax continues to report is another persons or family address. 

I have had my personal information stolen within the past year and half to two years ago. I do not want my information being fraudulently used. Please help me with removing these inaccurate addresses and adding my current and only address to my credit profile. I am in fear of Identity theft if this wrong information continues being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: DISCOVER BANK
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
If a person pays intrest on the credit card balance one month, then pays off the balnace IN FULL the following month according to the listed debt, the company says if you don't stop using the card by the 'close of billing date ', they are going to charge you interest again. I feel this is discrimintory or discrimination. I was able to pay off my debt IN FULL, by the close date on my account, yet I was charged addition interest because i used the card in the next billing cycle - even though that balance had not been on the card for more than 30 days. A person that borrows money pays it off in full even though they are not paying until the end of the grace period time & have continued to use the card are not charged interest. This is discrimination against the person who must borrow from time to time, yet does not keep a balance on the card. According to the terms & conditions they can charge me, but they can't charge the person who dose n't pay off the bill entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: BARCLAYS BANK DELAWARE
State: CA
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 was charged {$3100.00} by a merchant called XXXX in XXXX XXXX XXXX XXXX ago on XX/XX/XXXX. This was a fraudulent transaction, and was one of many charges on multiple cards that i have disputed with multiple companies over the last year. All have been resolved except this one. 

I spoke to Barclays the very next day and explained it was fraudulent and the only thing I purchased from this merchant were a couple beers ( total should have been approximately {$8.00} ). I have since filed at least 4 separate claims with Barclays, and have spent at least 30 hours on the phone with Fraud Investigators, and other Customer Support Representatives from Barclays. The most recent denial was sent to me on XX/XX/XXXX stating that they are denying my claim because too much time has passed. I have stayed in constant contact with Barclays over the last year fighting to get my money back. I have been promised that it would get resolved, and have been asked to be patient over and over again, while there is no evidence that they have done one single thing to attempt to contact the merchant or verify the charge. 

This merchant, called XXXX XXXX in XXXX XXXX was across the street from my hotel. Upon a quick XXXX search of the bar, you can see hundreds of reviews stating the criminal nature of the establishment and dozens of detailed examples of assault, kidnapping and fraud that has taken place there over the last couple years. The hotel concierge told me to not go back there to seek a refund, and also told me that the police would be a dangerous route as well. They advised that I simply deal with my major credit card providers and be happy that I was relatively ok after being XXXX XXXX XXXX as I was. 

Barclays should have record of dozens of calls that I have made to them to try and resolve this. The Ivestigator refused to XXXX the merchant when I talked to them and instead told me that I have to get 'documentation ' or they could do nothing to help me. 

I truly feel this could have been resolved with proper support and a brief investigation, but believe nothing was ever done to protect me as a XXXX year customer of Barclays. 

Thank you for you assistance.

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 2016-06-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I had a mortgage with Washington Mutual Bank FA. JPMorgan Chase became the servicer then claimed to own the mortgage when they provided absolutely no documentation to prove it. They began a deceptive foreclosure suit using the collections firm XXXX XXXX management and used all kinds of fabricated documents, assignments signed by XXXX employees, notes signed by XXXX employees and even the complaint was signed by XXXX attorneys who are not even licensed in the state of Florida. XXXX XXXX XXXX - Purpose of Business is servicing existing " MANUFACTURED '' home loans and they are not a registered debt collector. They even fabricated a loan remodification and would not provide us with a hamp loan stating we were unqualified. We made 6 payments and they told us to stop payments and then the foreclosure began. We called the FDIC and the OCC and both government agencies said to call the CFPB as it was all debt collection. This has been going on since 2009 and after speaking with JPMC corporate offices regarding all this fraud, we offered a " RESCISSION '' They told us to call XXXX XXXX for the rescission. We sent the letter and XXXX XXXX of XXXX Firm made a motion to the XXXX for a foreclosure auction. Neither JPMC nor XXXX XXXX had any real ownership or interest in the note and thus no right or authority to conduct a foreclosure. I had put down {$230000.00}. It appears this is a way of life for these banks. They steal families equity in the house. They appraised them 20 % higher ( eappraise ) and then there was the libor rigging by JPMC with the WAMUFA loans. Now the price is down and they want to steal your home for pennies on the dollar if you are not smart enough to catch the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Bread Financial Holdings, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I tried multiple times to submit a payment to Children 's Place. The website has been down and didn't accept any of my attempted payments. I checked my pending payments and the screen was blank. It reflected as if I didn't make any payments. I tried calling the company multiple times to cancel them and pay in store. Their phones ring and ring to no avail. I was on hold for one hour. This led to the company deducting my payments multiple times and I incurred over {$200.00} of NSF funds with my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: DE
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 sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts listed below. Also I've attached the letter I sent out a below is the reference number. 

XXXX XXXX XXXX XXXX Account # XXXX According to the FCRA The Term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whim he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate And according to the FRCA 15 USC 1861 everything has to her 100 % Accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX XXXX XXXX Account # XXXX Please reference complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have been a victim of identity theft and have filed the necessary paperwork to dispute all accounts such as a police report. However I have been attempting to dispute an account with Macy 's for over 8months and have provided the necessary documents with no success. They stated that they received the documents but never initiated the dispute.

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 2022-08-04
Company: Atlanticus Services Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I APPLIED FOR A LOAN WITH FORTIVA FOR A XXXX XXXX. I CHANGED MY MIND. XXXX XXXX STILL TOOK THE MONEY AND DID NOT RENDER THE SERVICE. NOW FORTIVA IS REPORTING ME TO THE CREDIT BUREAU FOR NOT PAYING. XXXX XXXX REFUSES TO GIVE THE MONEY BACK TO FORTIVA. IM NOT RESPONSIBLE. XXXX XXXX  IS A THIEF AND THEY ARE KEEPING THE MONEY AND WANTING ME TO PAY FOR A PRECEDURE THAT THEY DID NOT PERFORM. I HAVE DISPUTED THIS MULTIPLE TIMES WITH XXXX. THE OUTCOME HAS ALWAYS BEEN NEGATIVE. I CAN NOT AFFORD A LAWYER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Uprova Credit, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am a victim of a Predatory Lender using the guise of a XXXX arrangement. I am XXXX XXXX XXXX and a Veteran. The tribe  utilized here is called the XXXX XXXX XXXX. The name they used here for my loan is Uprova, but there are 4 other company names they use with this same address and same tribal  loan format. My {$1000.00} loan had an APR of 684.83 % and a total payment of {$4300.00}. This was based on their taking {$290.00} twice a month in payments. They violate Truth in Lending by claiming to be an Alternative to PayDay Lians, yet far exceeding even those in the Interest Rate the charge, hiding beyond this Tribal  immunity claim. The cases against the Predatory Lenders also cite possible RICO violations for the actual Predator behind these loans.

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 2021-12-15
Company: Experian Information Solutions Inc.
State: NY
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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