BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-14
Company: OPTUM BANK, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Optum Financial opened Account XXXX XXXX without my consent. I never gave consent to open the account, nor should they have any of my information. They wont let me close the account without verifying said information they should have. One of the questions is if there is anyone else tied to the account... how should I know this if I never opened the account in the first place? They refuse the close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Equifax recently deleted my former employer XXXX XXXX XXXX XXXX XXXX from my credit report. IRS & The Social security Administration can confirm that I was employed by the company from XXXX. XXXX XXXX have been deleted from XXXX, XXXX XXXX deleted from XXXX, XXXX XXXX. My identity have been stolen, in order to receive my social security XXXX I need my credit report to reflect these employers. For IRS. I 've sent you my name change also. I need for my report to reflect these changes. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I mailed you all of these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
no good catergory for this- violates cardholder agreement then demands ( via extortion ) to be paid on entire line.
1- never late on secured line ( upright law was on retainer -and you cant collect ) 2- under advisement of council I was told not to pay 3- refuses to allow me to open another SECURED CARD because of lawyers request. ( wants 12mos, w a normal 6mos review cycle ) 4- refused to reissue card as demanded 90 days ago. I moved and my mail was stolen. several items went missing.
5- refuses to purge account under part 209 of fcra- debt is not only disputed, it is denied in full.
6- law violations can not allow a company to extort ( must pay account or we wont close it ) customers for money. THIS IS SECOND EXTORTION ATTEMPT. TBI has been notified.
so has someone at TN.gov, bill haslams office. problem never resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had my transmission go out on my car and could n't afford to get it fixed so i cancelled my insurance since the vehicle was XXXX XXXX able. The insurance company did n't record me cancelling my services on the phone call or refused to correct their mistake and are attempting to collect a debt that never should have been a debt to begin with by selling the debt to a collection company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Experian Information Solutions Inc.
State: AL
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:
XX/XX/XXXX : I tried to refinance my car loan from XXXX XXXX to XXXX XXXX. First Investors never received the payoff check in the mail. I cancelled the loan with XXXX XXXX due to this issue. I contacted XXXX XXXX on XX/XX/XXXX to see if they could report a XXXX balance on my credit report and to get this account deleted. The representative instructed me to contact all 3 credit bureaus about this issue because it would get done quicker. Attached is a message from XXXX XXXX to dispute this as well as a statement showing I do n't carry a loan with XXXX XXXX nor a balance.

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 2017-09-11
Company: EQUIFAX, INC.
State: AL
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:
XX/XX/XXXX : I tried to refinance my car loan from XXXX XXXX to XXXX XXXX. XXXX XXXX never received the payoff check in the mail. I cancelled the loan with XXXX XXXX due to this issue. I contacted XXXX XXXX on XX/XX/XXXX to see if they could report a XXXX balance on my credit report and to get this account deleted. The representative instructed me to contact all 3 credit bureaus about this issue because it would get done quicker. Attached is a message from XXXX XXXX to dispute this as well as a statement showing I do n't carry a loan with XXXX XXXX nor a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Has violated my rights 15 U.S.C. 1681 Section 602 A States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2. It also States a Consumer Reporting Agency Can not Furnish a Account with 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 2017-09-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
My business partner and I opened a Merchant Services Account with Wells Fargo in order to process credit card payments from our small business customers. We met with an account representative on XX/XX/2014 to set up a new business checking account and credit card processing service application. Throughout the entire meeting, we were only made aware of the contract 's stipulations verbally and frequently received instructions to authorize our consent by signing a screenless digital signature pad. Although we were hesitant to agree to the terms and conditions of the contract without being able to read it in it 's entirety, we were assured by our account representative that we were receiving full disclosure and had no reason to delay the application process. Only after we signed the agreement electronically were we given a hard copy of the contract for our files. At no time during the verbal " disclosure '' ( or outlined anywhere in the printed agreement ) were we made aware that there would be a $ XXXX-USD early termination fee to forgo the credit card processing services within a five ( 5 ) year period. Since opening the account in XX/XX/2014, our business checking account has been set to automatically withdrawal three ( 3 ) separate processing fees on a monthly basis. These fees have continuously increased overtime and seem to have little to no bearing on the actual payments we processed during the statement dates. The combined total for these monthly fees have rarely, if ever, been less than $ XXXX-USD and has caused our account to go into overdraft several times. On more than one occasion, these individual fees ( some as low as $ XXXX-USD ) have accrued an overdraft protection fee of $ XXXX-USD per transaction ( i.e., an additional $ XXXX-USD in bank fees for insufficient funds ). It is an endless cycle that we would have never signed up for if we had been made aware of ( or at least given an adequate opportunity to review ) the terms and conditions of the agreement. I have expressed these concerns to my designated account manager on several occasions only to be told that she has no control over the agreed upon terms and that I should contact a member of the third-party payment processor to proceed. I reached out to a customer service representative from this third-party company to express our concerns about the associated fees and minimum monthly requirements to avoid additional charges. In one of these conversations, I was told to process my personal credit/debit cards during " slower '' months in order to meet these monthly minimums. It is clear that since signing up for a Wells Fargo Merchant Services Account, our small business has suffered exponentially.

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 2022-06-16
Company: Experian Information Solutions Inc.
State: NC
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:
The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists.

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 




" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists.

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 2022-08-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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. XXXXXXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, WELLS FARGO DEALER SVC XXXX Date Opened : XX/XX/16 Balance {$0.00}

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 2017-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XX/XX/XXXX : I tried to refinance my car loan from XXXX XXXX to XXXX XXXX. First Investors never received the payoff check in the mail. I cancelled the loan with XXXX XXXX due to this issue. I contacted XXXX XXXX on XX/XX/XXXX to see if they could report a XXXX balance on my credit report and to get this account deleted. The representative instructed me to contact all 3 credit bureaus about this issue because it would get done quicker. Attached is a message from XXXX XXXX to dispute this as well as a statement showing I do n't carry a loan with XXXX XXXX nor a balance.

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 2019-11-24
Company: EQUIFAX, INC.
State: FL
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:
called XXXX fraud specialized team on XX/XX/2019 and tried to dispute numerious credit inquiries that i did not apply for and demanded thoes inquiries to be removed. but was told over phone that they do not remove fraud inquiries they refuse to removed fraud inquiries which transunion is subject to fcra violation and requesting them to remove all unauthorized fraud inquiries from my report starting from XX/XX/2019 threw XX/XX/2019 except inquiries that are related to my actual accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: EQUIFAX, INC.
State: IL
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:
At this point I don't know what to do anymore. I'm sitting here crying while typing this complaint. This is my second complaint, I was accuse of not being me? I've been going through this process way too long and I can't take it anymore. I'm in distress and I truly feel like I'm being taken advantage of and I feel like I am being ignored. In my first complaint XXXX responded saying I wasn't me I'm sick of going back in forth. Again, I submitted a dispute XX/XX/2020 and have yet to recieve any indication that my disputes are being investigated and I haven't received any results. In section 611 a it's stated that a failure to investigate the items I disputed within 30 days is a reason to remove those items from my credit report and it's now been over 40 days. I demand that these accounts be deleted immediately or I will be filing for litigation due to the stress you have caused me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX Experian, and XXXX are still reporting public records in which the court has responded that they do not report public records. The information reported is inaccurate and according to XXXX, they do not pair social security numbers but the credit bureaus do. The last four numbers of the person social are reported therefore the numbers can be matched to anyone. XXXX XXXX also closed the accounts listed under them, they reported fraudulent information and agreed to delete from all three credit reports within 30 days. XXXX XXXX is still reporting 1 account to Experian and XXXX  ... see CFPB report attached.

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 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
called TransUnion to dispute 2 hard inquiries ( XXXX XXXX on XX/XX/20 and XX/XX/20 ) that I didn't approve. the representative refused to assist me in disputing these 2 items.

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 2017-09-11
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:
Equifax failed to safeguard my personal financial and credit information. As a direct result of their inadequate security measures, equiifax allowed hackers to gain access to my information and then they failed to notify me of the issue. Only when announced by the media months later did I learn of Equifax 's massive failure to safeguard my information. 

The Equifax website confirms my personal information was among the data stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: JPMORGAN CHASE & CO.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase Bank XXXX XXXX XXXX XXXX, XXXX Ca, XXXX phone XXXX XXXX XXXX. 
On XXXX XXXX and XXXX XXXX and XXXX XXXX they have deducted XXXX Cent per month with explanation of " Federal interest withheld ''. Contacted said bank on XXXX XXXX XXXX they sent me a form to fill out XXXX returned said document on XXXX XXXX XXXX in addressed envelope to their XXXX XXXX TX office the form was completed. Was in touch with bank and was told it was the IRS that withheld the money Contacted IRS and was told that they would not deduct that small amount and they would not deduct from a checking account I have bank statements to back this up

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My personal information has been compromised by the massive Equifax data breach. Equifax has acted negligently and criminally through the process of discovering the breach, selling some of their own shares before even informing customers of current personal risks. On top of that, they are only offering 1 year of enhanced protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: WY
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:
Equifax was hacked and my personal data was breached in the hack. I am currently freezing my credit and performing credit checks to prevent against identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XX/XX/2019 pass due balance XXXX car sold at auction and XX/XX/2019 pass due balance XXXX I would like this remove from my credit report because value of car is greater then pass due balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-12
Company: Genesis Credit Management, LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX sent written dispute to XXXX to dispute charges for {$15000.00}. of unknown dept. XXXX  created file # XXXX and it says they are working on it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Filed to XXXX by Genesis Credit,  LLC opened XX/XX/XXXX. 
Not sure how to reach them or what this debt is, but I know I do not owe anybody $ XXXX Then there is a charge for {$990.00} on XXXX also filed as a collection account opened on XX/XX/XXXX from XXXX XXXX in XXXX, MN in the XXXX  division which I repeatedly asked them as long as insurance would pay for the treatments then I would continue going. But they did n't do a good job in accounting and they told me I was covered on several appointments that the insurance refused to pay, because I signed a form that I was ultimately responsible for the payments at the beginning of therapy they thought they could just bill me the {$990.00}, which I refused to pay on principal and would be happy to go to court so the next person does n't get the same line of XXXX the asked if insurance would cover the procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX : I tried to refinance my car loan from XXXX XXXX to Navy FCU. XXXX XXXX never received the payoff check in the mail. I cancelled the loan with Navy FCU due to this issue. I contacted Navy FCU on XXXX/XXXX/XXXX to see if they could report a ZERO balance on my credit report and to get this account deleted. The representative instructed me to contact all 3 credit bureaus about this issue because it would get done quicker. Attached is a message from Navy FCU to dispute this as well as a statement showing I do n't carry a loan with Navy FCU nor a balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation