BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-10
Company: JPMORGAN CHASE & CO.
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022, my chase credit card was charged {$730.00} by XXXX XXXX. The charges were for an XXXX with the fast ship option selected. My credit card was manually keyed in, according to chase and the XXXX was sent to an unknown address of XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 


I have tried resolving the dispute with chase but did not have luck. According to their research, XXXX was billed to or shipped to my address. I called both chase and XXXX XXXX immediately once the transaction went though to report the fraud and to cancel the order. 

Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
want a late fee remove frist time

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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hi! My name is XXXX XXXX, Ive just learned that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

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 2022-04-25
Company: Santander Consumer USA Holdings Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was reviewing my credit report and noticed a couple hard inquiries that I do not recognized or gave consent to. 

XX/XX/21 - Santander  Consumer USA XX/XX/21 - XXXX XXXX  XX/XX/21 XXXX XXXX XXXX XXXX XXXX  I called these companies and they were not able to provide me with details regarding the hard inquiries. Please I want these removed from my credit report. 

I called XXXX about these hard inquiries and they refused to help me. Please CFPB help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, 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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balanced Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: The Savings Group, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Received letter in the mail approximately XX/XX/2022 offering lower interest rate of current vehicle loan. Letter was very specific regarding my current rate and what I was " pre qualified '' to get from their company. Current rate is 10 they offered 7.44. I then logged into their website and completed application based on prequalified offer. After a couple of days and 2 hard inquires I reached out to the loan guy who then offered me a rate of 15.7 ( XXXX ). I told him that was much higher than advertised. He told me that was their best deal. I emailed twice ( XXXX and XXXX ) asking to have the hard inquiry removed and he told me that he would pass on the management ( XXXX ) and was told I would hear back shortly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2021-10-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX I've contacted the company and they did not give me any information. I've contacted EQUIFAX AND XXXX To remove these unauthorized inquiries from my credit report and they have not done it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Caliber Home Loans, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I worked with Caliber Home Loans for a consolidation mortgage for XXXX homes. I am also XXXX XXXX 

Because of the XXXX XXXX I did not qualify for the mortgage. The mortgage broker suggested that I take out a payment of {$3500.00} per month from my XXXX to qualify. It was a ruse to trick the government. I still have to pay a penalty to do this as I am under XXXX XXXX. 
The company suggested that once I qualified I could cancel the payment. They required all kinds of documentation and then at the very last moment we were denied based on the XXXX XXXX early withdrawal fee that I would have to pay. 

I would have never done this without the company suggesting that I do it. It was unethical and very shady. 

I am also a XXXXXXXX  borrower and I do suspect discrimination, but I can not prove it. 

Do not work with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I just received my credit report and I noticed someone has used my name for XXXX work and applied for different stuff

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
These are Federal student loans that are reported inaccurate. I want remove immediately as thats a violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Paypal Holdings, Inc
State: IA
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:
got a duplicate charge by XXXX XXXX XXXX XXXX for an order originally deducted and shipped on XX/XX/XXXX. On XX/XX/XXXX, they posted the charge again. The money had already been deducted in XXXX clearly or i wouldn't have the items in my possession. The item s they say they just shipped are seasonal and not even available for sale anymore so the charge is clearly fraudulent. I file an unauthorized transaction dispute and call customer service and this guy XXXX says he needs to change my dispute to item not received. Well then they deny my dispute because of the tracking number the same tracking number from back in XXXX! This is a fraud loophole that has been used on PayPal and these instances are all over the internet of them denying fraud protection because of fake tracking numbers. To appeal the dispute i seek a running account balance and they arent providing one. This is illegal and they were already sued and the judge ruled they were violation of the law for not providing monthly statements with a running balance. They still arent abiding by the law. And this is so they can double charge and skim accounts, and both steal and reap transaction fees from fraudulent charges. They wiped my account and that caused an overdraft. They do not have my permission to debit my bank account but they did it anyway! This is illegal! Then today they froze my account and are saying they want my drivers license and bank statements and credit card info and SS number ; stuff they have NO right to see or mandate access to. I am the victim reporting fraud and they are making me out to be the criminal! I am trying to find a lawyer to take them on this is outrageous. i already live below poverty level and for them to do this to a XXXX woman who has nothing who has used them for two decades is absolutely abhorrent and they should have consequences. I want my money back and I will not provide them with any of that documentation and i want my bank info removed from their access. How can I get this done? 
They were just found guilty in a class action for some of this stuff like freezing accounts and no running statements three years ago, obviously they don't t care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: EQUIFAX, INC.
State: DC
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 have made several attempts to have Equifax update my credit profile to no avail. I have asked them to verify the bankruptcy reported on my credit file. I have been asking for verification for months and the only response I receive is that it has been verified through XXXX XXXX. I received information back from XXXX XXXX in a letter dated XX/XX/2021 that after their reinvestigation the information has been removed from their report. I filed another dispute with Equifax on XX/XX/XXXX along with the letter from XXXX XXXX. I again asked for verification only to be told on XX/XX/XXXX that the information was verified through XXXX XXXX. I called and spoke to a rep on the phone and made them aware of the problem. They said they would open a dispute, which they did, on XX/XX/2021 and the rep said he will reiterate that XXXX XXXX has removed it from their records and even said he will let them know I sent the letter in to them. On XX/XX/XXXX, confirmation # XXXX, Equifax again closed their investigation stating that the information has been verified through XXXX XXXX. I do not understand how this could be. Clearly, they are violating my rights and they are not investigating information that I have a right to have investigated. 
Please help assist me with having this information removed and holding Equifax accountable. 

Kind regards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I transferred {$22000.00} from my XXXX account to my Wells Fargo account Friday almost XXXX. My wifes car is breaking down and she found a new one. I called XXXX and confirmed that wells received it around XXXX and we went to dealership. Along way I checked wells account and not there. Waited till dealers closed last night now its still not there. Its now been over 26 hours. On phone with wells and XXXX all morning. Wells kept me on hold for an hour then hung up on me, the XXXX from wells said they have no record of it nor would he provide a case or inquiry number. He also refused to transfer me to a manager. XXXX at least answered but wont even provide a confirmation number on transfer. Where is my {$22000.00}? My wifes car is almost dead

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 2021-10-30
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I'm complaining about Lexington law firm for deceptive marking practices and for illegal billing and for attorney misrepresenting and for malpractice against my ex wife XXXX XXXX, XXXX XXXX. I hired my ex not knowing who she was. On XX/XX/2021 and then after the phone call was over I was billed. Before anything was completed they texted me from about 7 different numbers trying to confuse me. So after I hired my ex. J recieved another text from Lexington law Firm. My ex wife has alot to do with all of this. They would use other law firms to help Lexington law firm confuse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: CURO Intermediate Holdings
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any results..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
State: LA
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 XXXX 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 explanation
Consumer complaint received 2022-06-09
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my once a year free credit report an last year report.Unfamiliar with Discover Bank on my credit report. This account is unauthorized and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
This complaint is with reference to the non-performance of the extended service contract purchased for my new car from BMW North America : Vehicle ID Number : XXXX XXXX BMW XXXX 6 year XXXX XXXX ( XX/XX/XXXX - XX/XX/XXXX ) BMW sold me the platinum service contract when I purchased it through their BMW XXXX XXXX, CA Dealership. Additional services for car detailing interior and exterior body was paid for and added to the service contract by the finance manager of this dealership and was financed as part of the car loan sold by BMW. As a customer purchasing a new car and platinum services, BMW did not make me aware that some of these services may be dealer specific add ons being sold to unsuspecting customers. 
On XX/XX/XXXX just 2 days prior to expiration of this XXXX XXXX sold by BMW Financial through their dealership, I asked that interior and exterior car detailing services be performed through one of the nearby BMW service dealers ( XXXX, CA ). The above local service dealership refused to perform this additional services claiming it was not part of the original XXXX XXXX contract. 
I reached out to representatives of BMW Corporate at XXXX : XX/XX/XXXX : Ms. XXXX XX/XX/XXXX : Ms. XXXX XX/XX/XXXX : Ms. XXXX A case manager was assigned to ensure that these additional services that was sold by BMW dealership at XXXX XXXX in XXXX is honored. A case manager XXXX XXXX called and emailed me on XX/XX/XXXX while I was traveling for a week. I tried reaching her at the number she gave in her email ( XXXX ; extension XXXX ) - that phone extension does not work ( I asked BMW to call this number and verify this fact ). I emailed twice ( XX/XX/XXXX, XX/XX/XXXX ) but no one from BMW is responding. 

BMW is selling additional services through their dealerships which are not being honored. Specifically, local BMW dealerships sell add-on services misrepresenting them as belonging to an established extended services contract ( 6 year XXXX XXXX ) and BMW dealers are not honoring such paid-for services. 

Under consumer finance laws of the USA, selling such services and not honoring them is a breach of contract and gross misrepresentation by the BMW company by allowing their dealers to sell additional services under the guise of their brand to unsuspecting customers. 

I demand BMW immediately honor their commitments to the services their dealership sold me and complete interior and exterior car detailing I had requested before the service contract expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Report Number XXXX FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. As data furnisher please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts. 


XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has not been verified and is reported twice with two limits {$500.00} and {$1200.00}. The dates for past-due entries conflict with the duplicate entry. They both cant be accurate. Please remove and delete the duplicate accounts. 
The highest balance is different with {$1500.00} and {$550.00} being reported. 
Dates Opened conflicts exist with XXXX and XXXX. 


Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.

Company response to consumer: Closed with explanation