BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX NJ XXXX DOB XXXX SS XXXX I requested kindly that XXXX   provide legal documentation regarding information transmitted to credit reporting agencies for me, with regard to the asserted account XXXXI demand CONTRACT, PROOF OF OWNERSHIP, from this 3rd party collection agency! I have file a police report and FTC Report against this unknown account. I am asking for a contract between myself and XXXX? I hereby request that your company delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt .XXXX  Corporation is trying to collect on a account and enforce a claim that I do not recognize ever doing any business with XXXX  company management. Should you not be able to provide such lawful documentation during this reasonable period, any information communicated by XXXX  to the credit bureaus should not be deemed truthful and may bespeak your disregard for consumer protection statutes. Please delete this fraudulent account at once.

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 2017-09-09
Company: EQUIFAX, INC.
State: WA
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:
Hello, After news of the Equifax hack, I went to https : XXXX to check if I was impacted. According to the website, I am and my data may be compromised. 

I would like to file this complaint to make sure my account is monitored and that I will not be victim to identity theft. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I checked XXXX after checking my credit report to buy a home, when it came back I had XXXX > past due XXXX. I havent lived at the address they have on file for over two years, nor have I received any phone calls from them. I was never offered any type of assistance or forbearance. I only realized they were out there after I applied for a home loan, I was only enrolled in the schooling for 3 months before having to leave due to XXXX and my husband leaving for the XXXX. Also had problems with mail forwarding even after moving out and now the loans have defaulted leaving a huge mark on my credit to where I can now not purchase a home for my family. The loans are also over XXXX and I never received any where near that amount of schooling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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:
Hello, My name is XXXX. I am writing again in reference to the fraudulent XXXX XXXX account on my report. I just spoke with two representatives who identified themselves as supervisors, XXXX ( XXXX ) and XXXX ( XXXX ). They both advised that when I sent my complaint through CFPB that my FTC report was not attached to my complaint and they have no record of it. I have already sent in my I.D and social security card and it was confirmed Equifax has received it so I will now attach yet another copy of this FTC report. Please remove this fraudulent XXXX XXXX Account from my report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I checked XXXX after checking my credit report to buy a home, when it came back I had XXXX > past due XXXX. I havent lived at the address they have on file for over two years, nor have I received any phone calls from them. I was never offered any type of assistance or forbearance. I only realized they were out there after I applied for a home loan, I was only enrolled in the schooling for 3 months before having to leave due to XXXX and my husband leaving for the XXXX. Also had problems with mail forwarding even after moving out and now the loans have defaulted leaving a huge mark on my credit to where I can now not purchase a home for my family. The loans are also over XXXX and I never received any where near that amount of schooling.

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 2022-08-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I'm not sure if this is the correct site to file the complaint. I received a random text from a NJ number. The text read " [ Wells Fargo ] : Your online banking has been locked due to unusual activity. Please visit to XXXX XXXX XXXX XXXX '' From XXXX I do not have a wells fargo account so I knew this was bs.

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 2021-04-15
Company: WELLS FARGO & COMPANY
State: CA
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:
Called Wells Fargo about interest rate on the visa personal credit card. They said can not negotiate interest rate. It is based on what you agreed to at time of application for card. I have had card for 20 years or more. I requested copies of all documents I signed regarding this card by letter on XX/XX/2021. On XXXX XXXX I received a form regarding the terms of my credit card account. I have not received the documents I requested. I believe they do not have anything signed by me and do not have the authority to charge any interest. My initial application was with a bank Wells Fargo bought. I never received anything about applying for a Wells Fargo credit card. Just received one in mail after they bought out my bank.

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 2017-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the bankruptcy listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Transunion was able to gain access to my inaccessible information?   According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the bankruptcy from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.

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 2022-08-31
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
At XX/XX/XXXX, my wallet has been stolen and my Chase Freedom XXXX credit card has lost ( along with many other cards from different financial institution ). I was in the condition of moving-in to my new apartment so I haven't notice my wallet was lost until I got a fraud-transaction message from Chase Bank, asking me to verify that whether the {$700.00} transaction in XXXX XXXX  XXXX that they detected is a fraud transaction, I answer " NO '' to that text message. After that, I immediately called Chase to cancel whatever transaction that has been made that day and froze all of my cards, and they say that all of the transactions has been cancelled and I do not need to worry about it but just waiting to get my new cards. I also called the police to report this property lost because my driver license is also in my wallet, the police help me to place a fraud alert under my credit account, and I got a police report few days later. 

However, about one month later, I got a phone call from Chase fraud transaction review team, saying that this {$700.00} transaction is valid after their review, because I can not prove that I was not using that card at that time. I said that I called Chase and the police right after I found this fraud transaction, but they just said, " the police report is just what you told the police ''. I also provide them with the screenshot of my renew driver license, but they won't accept that as a valid evidence. Right now, they applied this {$700.00} to my new credit card account and ask me to pay for it, unless I can prove that I was not using the credit card at XXXX XX/XX/XXXX. I was staying at home all the time and couldn't get any evidence to show it, I am asking the XXXX footage of my apartment but it is very slow to wait for them getting back to me. I called the police at the second few weeks ago to report this crime in a much more detailed way, and I got a new police report but still no one is following up with my case. 

I just feel like I am a victim of everything, the Chase won't believe me, the police won't help me, the theft won't return my wallet back. I have already experienced a big loss of all of my other stuff in the wallet, but what Chase did to me is making my condition even worse. I am a loyal member of Chase, and I am using their cards for years, I even have a sapphire credit card, but the way the Chase representative talked to me via phone makes me feel like I am the suspect. I feel very disappointed about all of these things and really need support from CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-28
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My husband and I made our first payment for this vehicle XX/XX/XXXX. On XX/XX/XXXX I made a phone call to Santander Consumer USA, a customer service rep stated that we changed our billing date on XX/XX/XXXX. I would like live physical proof of this and If their was any changes made the fact that my maturity date would be pushed back was never disclosed to my husband and I. Our maturity Date went from XX/XX/XXXX toXX/XX/XXXX. Their will still be a balanced left over after our maturity date. Which is n't right my husband and I pay our car note on time and we also put a little extra towards our bill. I made a payment of {$280.00} on XX/XX/XXXX and my receipt through XXXX XXXX Online system states that the payment will and has posted onXX/XX/XXXX the company has on file that the payment was made on XX/XX/XXXX meaning that most of the payment went towards the interest and not toward the principal balance. I also paid my bill the same way this month the same way. I made the payment onXX/XX/XXXX on the XXXX XXXX XXXX as well. I snap shot my receipts for proof and have them backed on google I also trace my payments through my bank as well as XXXX XXXX. We have a balance left over of XXXX which really we should have a balance of XXXX left over maybe a little less because our our original monthly payments were XXXX for next month our car note due on XX/XX/XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized Inquiries made on my credit report : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
After requesting my credit report I found information has been furnished on the consumer report that caused discrimination against me, ruined my reputation, and caused harm to me and my family by not being able to get a better car and home due to this information on my consumer report. 

No one asked for my consent to report these accounts to my credit file, which is a clear violation of my rights according to 15 USC 1681b ( 2 ). 

Also the inquiries on my credit file again I didnt consent to them nor did I benefit from these inquiries. 

I have not been treated fair and equitably by the credit reporting agencies and there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

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 2022-08-31
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX account number 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 customer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/2022 deposited by phone a check that i've got from my prior employer, by XX/XX/2022 my bank account got.frozzen and been trying to fix this situation because i don't have any access to my money, been talking two both parties every single day, several times.a day, the bank hold.me always on hold.for a long periods of time and always come with the same story that they can not fix my account because the check they had gave me is counterfeit and they can't do anything untill the check is clear, that i have to.talk.wirh my prior employee. Been contacting my prior employee and they tell me t hat the problem is the bank because in there side shows that the check was allready clarified and the money was taken from there account. Been.callingmy bank every day several times day and don't get nothing resolved, they got me back and forth for.10 days now and no one.wants to do anything to fix it, my bills a pile up, have to be asking people for food and i can't handle this any more, need help please!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have received " Access Checks '' to transfer balances from other accounts to my Credit Card account directly from Chase Freedom Bank each month for multiple months ( estimate at least 4+ months ). On XX/XX/2022, I called Chase ( XXXX ) and reached customer service where I requested these checks be stopped. The agent confirmed the stop request. 

On XX/XX/2022, I received an additional set of checks ( XXXX XXXX XXXX XXXX XXXX ). 

On XX/XX/2022, I called Chase again and spoke with an agent. She informed me of the notes from my XX/XX/XXXX call. I told her I had a new set of checks I just received and it should be cancelled. We got disconnected. I called back and spoke with another representative. She pushed the cancellation of the checks through on the account and escalated me to a senior representative. 

The senior representative confirmed the checks received XX/XX/2022 were printed on XX/XX/2022 ; after the initial cancellation on XX/XX/2022. These should be the last set I receive. She then disconnected the call without finishing the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NY
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 have been informed by Equifax that my credit report that they kept on file has been compromised, including sensitive and secure personal information such as DOB, SSN, DL, address, etc. 

I also understand that this is a result of gross negligence by Equifax, and could have serious implications, including identity theft, reputational damage and financial fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EdFinancial Services
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Edfinancial Loan provider needs to be looked into. People are requesting refunds for payments made during the covid lockdown, including myself, which we are entitled to. 
These refunds are taking up to XXXX days with no email or paper trail confirmation. Many people are getting their refunds much faster with other loan providers, but Edfinancial services is completely unacceptable. We need to get these refunds processed before the end of the year and our money back into our accounts. Please if anyone is reading this I'm sure there are other complaints about Edfinancial services. HELP US PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Square Inc
State: GA
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:
This unauthorize and fraudulent transaction happen on XX/XX/2020. 
I had a cash app account, someone or something cash out at XXXX XXXX XXXX  at XXXX XXXX  a total of {$870.00}, which was everything I had in the account. I kept contacting cash app support their not help at all. I contacted the XXXX XXXX XXXX and the best thing they told me was to contact C.F.P.B. I let them know i do not and never have an account with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Still have items pending I have requested changed or removed. I have requested several times an updated/corrected copy of my credit report mailed to me and still have not received it.

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 2022-08-31
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:
According to 15 USC 1681 section 602 i have the right to privacy.

According to 15 USC 1681 section 604a section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by me the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

My accounts on all Credit bureaus XXXX, Transunion, XXXX are incorrect, If there is anything i did not include please add it in there for me.I want XXXX per violation and removed from my account with the maximum credit score adjusted immediately on all three credit bureaus. How is it they are all " supposed '' to have the same rating/scores but when i checked none are the same. The open date is inaccurate one says XXXX the other says XXXX, that in itself is a violation and it shows up 7 different times so thats 7 violations in school loans and it also needs to be removed right away, price owed on my school loans are inaccurate ( all 3 bureaus are inaccurate ), my Derogatory Accounts are all off ( only 2 match ) my Delinquent Accounts are off ( only 2 match ) Closed Accounts ( all three are wrong ) Open Accounts ( all 3 wrong.. XXXX, XXXX, transunion ) Total Accounts ( all three wrong ) Inquiries ( 1 wrong ). If im missing anything please add it in for me.. Like misspelling of my name, first and last and middle

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