BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX Balance Owed XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: ALLY FINANCIAL INC.
State: CT
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:
An electronic bill payment was made on XXXX in the amount of {$290.00} to Ollo Card, account ending XXXX. It is now, XXXX  account does not reflect this amount in available credit, appears to be a hold on it. The same situation occurred with a prior e-bill payment, held for several days before released, a CFPB complaint was filed regarding that payment as well ... In regard to that complaint, Ollo Card rep chose to reach out AFTER reply to CFPB, in which case, call not accepted.. Had Ollo rep reached out BEFORE replying to CFPB, matter might have been resolved, unfortunately, rep chose to reach out after replying to CFPB as stated prior.. Should same situation occur this time around, call will not be accepted.. Due to prior returned ACH payments, Ollo is now holding any and all payments, including e-bill pay, which sent directly to Ollo, nothing to clear as the funds are sent directly... Please note, I've attempted to explain this to Ollo reps including a supervisor, unable to get hold lifted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: AR
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:
When I reviewed my credit report, I discovered that the information are erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$30000.00} ; XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please update these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Integra Auto Capital
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made a promise to pay for Monday the XXXX. I got an email telling me to make sure its paid by XXXX that day. I made the payment that day XXXX the next morning I went to go to work and my car was repossessed and that they said I cant get it back. I cant get anyone to talk to me about it. The only man that seems to answer the phone doesnt want to listen or even care about my situation. He tells me that they said XXXX XXXX  on the XXXX but I got proof in email letters that it said XXXX XXXX Im walking and have XXXX  children now I lost my job and about to lose my storage because they took my car that i made a payment on. I dont understand how they can do that to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was sick with XXXX, in XXXX and XXXX of XXXX. I called and set up a payment arrangement with XXXX XXXX in XXXX, but still received notices about my missed payment, so I called back in XXXX. I set up a payment arrangement on the XXXX credit card accounts I have with them, on XX/XX/XXXX. As part of the arrangement, an auto draft was supposed to have been set up on my account. I called and spoke with a Representative at XXXX XXXX, today, and was advised that they do not have record of me being late or being assessed any late fees from XX/XX/XXXX forward, however, my credit report reflects late payments from XX/XX/XXXX through XXXX of XXXX. I advised of this, and was instructed to dispute the late payments with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Chime Financial Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On Tuesday XX/XX/XXXX I filed a dispute with chime over unauthorized transactions for XXXX and XXXX. When I first called to reset my phone number I told the lady I did not have my chime catd. She told me she was going to reorder me one. I got an update about them changing my phone number in the text message. But no text messages or emails about these transactions that came out of my account. So when I logged in to get my digital card and send some money I seen that it was gone. I called chime right away and Filed a dispute. Not even a few hours later they denied it with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I enrolled in a Citibank account promotion for airline miles. Detailed in bold on the back of the promotion within the terms and conditions, it says, " Your AAdvantage bonus miles will be credited to your AAdvantage account within 30 calendar days from the date you complete all Required Activities. '' I've called Citibank multiple times after completing the activities and have been told by two " supervisors '' that is not what it says and it is 90 days from the date I opened the account and then an additional 30 days after that. 

That is not what the piece of paper I have in front of me says.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX using my information without my authority .US code 1681 s 2 not respected

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: AR
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any aitems listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XXXX American Express card email demanding large payment of {$2100.00} in 72 hours or credit line decrease This is the second time first payment demanded was {$1700.00} I paid the first demand but stated I would report another instance. No missed payments on account and not over the limit This is unfair and discriminatory practices

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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:
Apparently they sold my student loans to another company which doubled what I owed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: MA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, 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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: PNC Bank N.A.
State: KY
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:
I'm a XXXX*** on XXXX. I had a couple of different occasions where. I got large? Amounts of money and the money basically except for the XXXX  was with a lawsuit and it's the 1st time that. I had that amount of money and I kind of lost track of it but I filed all kinds of disputes going all the way back to probably XXXX but. I was cut off there which it's terrible. I've been trying to get through and I have been told certain things was going to happen and nothing happened. I talked to supervisors supposedly but never really actually got any with PNC bank. And was told by several workers that things were done wrong and they absolutely refused to give me any of my money back. It's sufficient amount of money. It's not my fault all the way around because I wasn't getting any of my papers that told me what my account was doing the activity. They kept turning the notifications off. My password has been change that. I've just had a little nightmare and I've had people go weeks and they talk about how the amount of time you have to report well also on my. Papers it says that I have 0 liability for fraud to report in prompt time. I don't know what they describe as proper. I've time I haven't been treated fair at all nobody 's giving me any. Answers telling. Me? Any. Status updates or anything. It's this has been a major nightmare well over XXXX if not more has been taken from my account and it's about to really send me over the edge with my XXXX XXXX and I don't know what. I don't know what to do anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit 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:
Fraudulent Charge someone used my credit card online to purchase {$13000.00} XXXX watch from jewelry store in Illinois. 
Charge was made XX/XX/XXXX - XXXXXXXX XXXX - Charged {$13000.00} - Email Alert - Assuming this was declined then another charge was made on XX/XX/XXXX - XXXXXXXX XXXX - Charged {$13000.00} - Text Alert I noticed the charge when I woke up and reported it as fraud to Chase via Chase Customer Services on XX/XX/XXXX - XXXXXXXX XXXX  to XXXXXXXX XXXX  I was told since it is a fraudulent charge, we will take the charge off of your account and issue you a new credit card. 

XX/XX/XXXX - the charge was added back on my card and I was found responsible from the information provided by the merchant to chase The charge was made on XX/XX/XXXX, I reported on XX/XX/XXXX, then chase reported to merchant on XX/XX/XXXX and still merchant shipped the package with XXXX on XX/XX/XXXX and it was picked up by unknown person from XXXX store on XX/XX/XXXX. 

Chase is holding me responsible even though I followed the step and reported it immediately. Chase is saying the evidence are against me and I am responsible to pay the {$13000.00}. They are not putting charge on hold until the matter is resolved. They basically closed the case without providing me any details. 

This is going to hurt my credit and it is going to be collecting interest on the card since I will not be making any payment until the matter is resolved. 

I thought reporting the fraud would resolve the matter, but chase is not helping it anyways. they do not respond in timely manner, and I have to keep calling to get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 canceling credit monitoring or identify theft protection service

Complaint:
Requesting information of the paid/closed accounts be removed.

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 2022-06-10
Company: HUNTINGTON NATIONAL BANK, THE
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been trying to close my business checking account with Huntington Bank for a month now, and it hasn't happened yet. This is such strenuous attempt just to close an account. I do not live near a branch so going in branch is not an option for me. So I sent a notarized letter but that didn't seem to do it. What's the hold up? Please close my account. The balance has been at XXXX for over a month now too. 

Please see dates and actions I have taken : XXXX Called XXXX to close account ; The phone rep. said I have to send a notarized letter, and the account will be close 7-10 business days after they receive the letter. 
XX/XX/XXXX Mail notarized letter requesting to close account XXXX Called XXXX to ask if they have received my notarized letter sent a week ago. The phone rep. said they have no way of checking with that closing department. I just have to wait. The only way to know that account is closed is when I couldn't log on to my account. 
XXXX Called XXXX to ask why account hasnt been closed. The phone rep. said they can't do anything about it. I just have to wait. 
XX/XX/XXXX Called XXXX to ask why account hasnt been closed. The phone rep. said they can't do anything about it. I just have to keep waiting. 

This is unreasonable. I have been waiting for long enough. Please just close the account. 
Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: QuickClick Loans of Illinois, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I lost my job at the beginning of the pandemic in XXXX. I tried to contact someone at Quick Click Loans LLC in XXXX, GA to let them know. Could never get anyone. The next thing I know this year in XX/XX/XXXX they submitted a continued garnishment to my part-time employer. They were not able to collect because of insufficient funds. I never received a copy of the complaint nor the judgment regarding this debt. I never received any correspondence by mail or email. No phone calls, nothing. Is this legal? I would like for the garnishment to stop. This debt collector violated laws because I never knew I was being sued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 saw these enquiries on my reports that are not permitted by me or verified by me nor does it have my signature for it to be placed on their platform. These include ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: REGIONS FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Last year, I bought 2 vehicles and a house. The following inquiries need to be removed from my credit report as I never applied to these companies for loans. 

XX/XX/XXXX I need these inquiries removed from my credit report ASAP. 

Thanks!

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