BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-04
Company: EQUIFAX, INC.
State: NV
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Several months back I got a call from who I thought was a chase employee. They stated someone had made an unauthorized XXXX  disbursement out of my sons acct and the only way to correct it was to send a XXXX  payment to myself. So I did. This was a scam. The {$2000.00} was taken out of my sons acct. I had to borrow the money to repay him. I contacted the bank right away. They denied my claim. They stated since my so. Had a school acct under mine, I was an authorized signer on his acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: GA
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:
XX/XX/2022 I notified XXXX XXXX Experian that I was victim of identity theft.

The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers.

Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.

Instead, one or more debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA.

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 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2020-04-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 I recieved a call from the 1-800 number on the back of my debt card. The caller stated they were calling from the fruad prevention department of the bank, and he need to verify some information in order to protect my debt card because my pin was compromised and some one was on another line with him pretending to be me and trying to reactivate an old debt card. He called verified some information and then had me do some steps to set up a text protection for my debt card to ba able to verify every transaction I do in the future. On XX/XX/2020 I logged on to my online account to find fraudulent charges on my account, the total of {$710.00}. I reported to the bank that same day by calling the same 1-800 number on the back of my debt card. A claim was made and credit was put back in my account of {$710.00}. I reported it to XXXX  and put a one year fraud alert on my credit. XX/XX/2020 the bank denied the fraud claim and reverses the credit on my account taking {$370.00} dollars from my account and then putting my account into the negative, - {$330.00}. The bank stated that they denied the claim because they believed I was the one who opened a digital wallet and approved those charges. I appealed the decision. The claim was resubmitted and I was told that I would get a response in 3-5 business days, and no credit will be put to my account. So besides this thief that's stol {$710.00} the bank took {$370.00} from me, and I am left with no money to support my family while in the middle of covid-19 for what I see the next 5-8 days. On XX/XX/2020 I scheduled a payment withdrawal from my account of {$260.00} to the IRS to be paid on XX/XX/2020. Because the bank took my money the payment did not go through and i was charged {$34.00} for insufficient funds, now I also have problem with the IRS. I have explained to the bank several times what happened in detail and that I did not make those charges nor did I approve them nor did I try to open a digital wallet, my phone is not compatible with those kinds of apps.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-09
Company: Early Warning Services, LLC
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I paid {$1000.00} via Zelle to a puppy scam. I did not know it was a scam as I was in constant contact with the seller who assured me that they were ligit. After paying {$1400.00} for puppy, XXXX XXXX XXXX XXXX XXXX XXXX Nanny, I never received the puppy. 
I did file a complaint with XXXX XXXX ( my bank ), but they are not able to reimburse me as they said it was a fair trade. 
I am hurt, because not only am I out of a puppy, but i am out of {$1400.00}. I did contact the XXXX XXXX XXXX and they did publish XXXX XXXX XXXX reached out to me and did a story. This was published in the city where the " so called '' scammers listed their address. 
I have email addresses/phone numbers, etc if needed. I want these people prosecuted to the fullest extent of the law. Stealing is a CRIME! 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: DISCOVER BANK
State: MA
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:
I am filing a complaint cause I have had my account used by someone that is not authorized or known. 

In the month of XXXX I had noticed a lot of charges on my account. I had about 5 authorize users on the account that are close and trusted family members. I was not able to get a hold of everyone at the same time so I placed a lock on the account. One of my authorized users XXXX XXXX was in the middle of purchasing a vehicle with XXXX and all my users have my log in info to see transactions. 

He unlocked the card to proceed with the XXXX down payment and he said he attempted to lock the card again but was having issues. 


by the time we spoke more charges went on the account. I let discover know the situation they gave me credit and en of XXXX decided to say I'm responsible for the charges cause the card was unlocked. And the situation was as I stated above. 

I told them what were the valid charges and they have refused to give me credit Since then I removed all my users to prevent something like this happening again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX and 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 2022-09-27
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
To Whom It May Concern : I purchased a new car from XXXX XXXX on XX/XX/2022. The purchase price was {$37000.00}. The car was financed through GM. All paperwork was signed digitally. Due to the screen being set up in landscape mode, it would only show the bottom half to a third of the document that needed to be signed as most of the required signatures were at the bottom of the page. Minimal explanation was given for what documents we were signing other than this is what was agreed upon. 
When I received copies of the documents that were later emailed to me, there were several optional items that I would not have purchased if I was aware they were included in the price, which are : - VIN etching / Express code for {$290.00} - Key fob replacement for {$190.00} - Cilajet protection for {$890.00} - Paint protection for {$290.00} XXXX expressed to the dealer that I do not recall these being discussed at all as optional purchases, and asked for them to be removed or refunded. After being passed between the finance person and the salesperson, they have not responded further. 
I find the use of digital paperwork modern and useful to a degree. However, it is very deceptive the way the business utilizes the screen to only show a portion of the page being signed. 
Thank you for reviewing. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 NUMEROUS 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 XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX* Balance : {$970.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$910.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$220.00} ; XXXX XXXX Bankruptcy XXXX XXXX CT XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy XXXX Bankruptcy Court Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I rented my basement to a gentleman and without my permission or knowledge he intercepted my mail, got my personal information and fraudulently used my name to open an account. I called them and they refused to listen to me, instead demanded a form of payment. I am a single mother   XXXX   XXXX   due to current health issues. I have no income, I even said if I cou ld get this resolved with a manager, they refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs to be removed from my credit report ASAP. I want this removed from my credit report, and the charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family. Please report this company as unable to attend to customer needs and refusing to provide escalation when needed. Someone open this fraudulently and I called them and they refused to listen to me, instead demanded a form of payment. I am a single mother   XXXX   XXXX   due to current health issues. I have no income, I even said if I could get this resolved with a manager, they refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs to be removed from my credit report ASAP. I want this removed from my credit report, and th e charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
OnXX/XX/2022 I noticed that my main checking account was locked for no reason at all. Direct deposits and transfers have been failing to and from my accont. In this account I have {$2100.00} and have failed to get another {$1800.00} approx in deposits because of it that would have gone into this account automatically. 

I called an spent 2 hours being transferred around by Wells Fargo as nobody seemed to understand what the problem was. I then went into the local Wells fargo branch and after about an hour of the manager calling around trying to figure out the problem, they came up with an old investment I had maybe for 20 years that needed to be updated that was linked to my checking. I do not use that account and I thought it was closed. There is no money in it, and nothing is owed. The only reason they had both accounts locked is because it needed personal information updated. The manager took my information, updated it and said it would be fixed in 24-48 hours and it was not. I then went back to that branch again and he spent another hour on it with he same problem nobody could fix it but they said it would then again take 24 to 48 hours. All this time my transfers and direct deposits have been bouncing and my Mortage payments are late. 

So the first branch then sent me to another branch who had access to that part of the business and they told me it would be resolved in an hour, then 24 hours then 48 hours. It was not. I went back to that branch and I got the same line again that it is being worked on but nobody can work on it. I the mean time I can't pay any bills with that money. I need my account release immediately. Today is XX/XX/2022 and it still is not resolved.

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 2022-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

BK OF AMER XXXX Date Opened : XX/XX/2020 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 2022-12-09
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to Newrez last month of XXXX. I am already having issues with payment portal and the reporting payment history being incorrect. I've sent messages to newrez and I've contacted them via phone. My last payment to newrez was on XX/XX/XXXX thru the payment portal on their website. My payment was never processed and I can't even see record of my attempt on their site. I called my bank to see if there was an attempt to take the payment and there wasn't. Additionally, newrez claims the last payment was XXXX. XXXX. Before my mortgage was transferred to them my XXXX payment was made to XXXX  loan  so the correct payment history should have transferred. I am on the verge of having a mental breakdown dealing with them please hold this company accountable there are far to many documented complaints

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: United PanAm Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This vehicle was retrained by the loan company. United Auto credit. Plus resale to a new buyer at an auction some where.. There wasn't any more payments needed to paid at that point. Remove this from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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, I received an email on XX/XX/ stating that I applied for a installment/payday loan with XXXX. I have been a victim of ID theft. I called the company and informed them I did not apply for this. I was instructed to complete a police report, and this would be investigated and removed from my credit report. My police report was submitted on XXXX  I received an email today XX/XX/, stating that investigation has been completed and that I was the one that applied for the loan. This is Absurd and I am going to obtain an attorney if needed.

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