BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid my XXXX bill and I was never 30 days late I called XXXX and they put in a dispute but I never heard back from them until a few day ago they took off the late fee. Because they could see I made the payment enclosed is a copy of the payment I made from my bank. This needs to be changed to current never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Incorrect addresses and Phone numbers on transunion. They would not help me. They validted my identity by phone but put a hold on my acct. online, Customer service person would not give me and reference info on who she was : Name, I 'D. or location. I asked for supervisor and was put on hold and then hung up on. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX is not a valid address for me. I have never been to XXXX XXXX XXXX XXXX, XXXX, XXXXA XXXX XXXX XXXX XXXX, XXXXXXXX XXXX are not valid addresses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
My identity has been breached. An unknown party changed my contact info on my XXXX XXXX account. XXXX XXXX said this was done over the phone because the person was able to provide the last XXXX digits of my social security number and answer security questions. ( I do n't disclose this info to anyone ; so, I 'm not sure if this was an inside job or if XXXX XXXX server security was hacked again. ) The next step was to contact the credit bureaus. TransUnion could n't verify my identity/info, so denied my request. Customer service recommended using AnnualCreditReport.com. I went through the process on that site, but TransUnion again could n't confirm my identity/info. This prevented me from seeing if the other XXXX bureaus would release my reports. I ended up ordering the reports over the phone, but it 's going to take 15 days for delivery. Not good when one is trying to repair damage due to a stolen identity and prevent further damage. 

I called TransUnion. Not only could they not explain why I was being denied, they would n't provide a credit report unless I purchased it. That 's wrong. I 'm the victim of a crime. A crime that can ruin my credit, my reputation, and leave me penniless. 

AnnualCreditReport.com 's one credit report per year rule should be lifted when one is making the request due to identity theft. Credit reporting bureaus should n't be allowed to charge for a credit report when the request is made because of identity theft. 

How can the Bureau of Consumer Financial Protection help the operators of AnnualCreditReport.com better assist victims of identity theft rather than making the experience more XXXX? 

Regards, 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 2015-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX is doing hard inquiry on my credit and I did not authorize nor give them permission to view my reports and XXXX do not have an account with them for anything. When I call them to have them remove the inquiry and stop running my credit my number is blocked and I ca n't speak to any human nor get them on the phone. The first time it was XXXX XXXX, 2015 and the XXXX time was XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Experian Information Solutions Inc.
State: SC
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:
fradulent inquiries ... and unverified accounts

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 2020-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I had Identity Theft did a Police Report on XX/XX/20 called Capitalone to fix my information Name is spelled wrong and phone number has changed I still havent heard back from them I also alerted the 3 Credit Bureaus to Update Information and fix all Credit Reports because this is due to XXXX  Messing up on their end

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX have disputed this debt on my credit report with the company enhanced recovery company. The company went through the investigation and promised to remove debt from credit report & did remove the debt from my report however the debt has returned and this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was the victim of identity theft a few years back and just learned some hard inquiries from the person who stole my identity are still noted on my credit, as well as XXXX account being still open that is not mine ( XXXX ). I have filed a report with the police.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXXXXXX XXXX XXXX was my electric utility in my old house, due to divorce the house was being foreclosed on before the foreclosure i moved and relinquished the house to the bank. I moved and 1 1/2 hours away and placed a change of address. My bill was paid in full at the time that i moved and closed the account. The bank owned the property as of XX/XX/2017 and i never received anything from XXXXXXXX XXXX XXXX at my new address showing any bill otherwise i would have contacted them back in 2017 now a collection agency has posted a collection on my credit report that is not mine.

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 2022-10-10
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have a torrid credit card with commenity bank. Although I've been making on time payments and dropped my usage significantly on my account, they have no reported any of it to the credit bureaus. The high usage is no longer correct and is affecting my score when I'm trying to get approval for a home loan. It's been over 4 months since the last time the updated my account. I won't get any clear answers from the bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I made several complaints against Wells Fargo in the past 2 years, my 2 last ones are left unanswered by the bank ( complaints XXXX and XXXX ). Last week, my attorney had to call Wells Fargo about the mortgage payoff statement. Guess, they did send it to the other bank since XXXX/XXXX/17 and was waiting for a confirmation. I can not understand a bank to bank would take that long. Even, why after a week they did n't call to make sure that the other party had received the money. It must be at least a couple of XXXX XXXX of dollars. If that does n't bother them why can not they pay my legal fees for the entire process? It wo n't call that much. What about me? I have been fighting for this for so long. Noone cares to reassure me ; they just let me worried and desperate. It is wrong, really wrong. 
As of this hour, they still did n't send me any confirmation. XXXX XXXX called me but no written document to confirm the transaction. By the way, when will the mortgage satisfaction be recorded? That shows again Well Fargo insensitivity towards their customers. It is really a pattern for this company. I was shocked today when I read something online about them again. In a letter to Acting Labor Secretary XXXX XXXX, Senator XXXX said she noticed on Tuesday that the site ( www.dol.gov/wellsfargo ) was gone and contained the words " Page Not Found. '' Yes, it is true. I just checked and it was still down. This is upsetting. Who is going to help us, the little guys?

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 2021-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts listed are not my accounts, nor have I authorized any of these companies listed to run my credit. Please remove this information from my credit report. Thank you.

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 2021-01-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts listed are not my accounts, nor have I authorized any of these companies listed to run my credit. Please remove this information from my credit report. Thank you.

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 2016-05-03
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Ally Financial, keeps calling more than 3 times a day everyday trying to collect payment. They have a 10 day grace period for the payment to be submitted and within 3- 5 days they are already calling and sending letters to both myself and co-signer. These calls and letters are very stressing and distracting. Even if I contact them and try to work the issue out with them I am still getting harassing phone calls throughout the whole day. The letters state that they are going to mark my account as delinquent.

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 2021-01-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts. Please remove them among the few others I submitted on the other report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: American Credit Acceptance, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XXXX XXXX, I called into Credit Acceptance. After speaking with a rep I was that they would accept my payment in the amount of XXXX on XXXX XXXX After accepting the payment in the amount of XXXX payment, American Credit Acceptance stated that this payment would satisfy the amount needed to be removed from the repossession list. 

When I called American Credit on XXXX XXXX, I spoke with the Reinstatement Department Manager. The manager stated that when I made the required payment, that the Repossesion Company was closed for the day and that they couldnt update the company about my repossession status being removed from list. 

My property was illegally seized and my non public information was provided to a third party outside of my contract. 

According to Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq American Credit Acceptance used False or Misleading Representation and Unfair Practices in which American Credit Acceptance took property ( vehicle ) when the creditor had no enforceable right to the property, I made payments sufficient to stop the repossession. 
American Credit Acceptance engaged in unfair acts and practices by repossessing my vehicle, even after I took intentional actions to prevent repossession. 
I requested a full investigation of the matter from the reinstatement department and they have yet to provide me those details. I have suffered damages as a result of these violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: Specified Credit Association, Inc.
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am repeatedly being called while at work, and we are not allowed to take these kinds of calls on the clock or at work in general. I told the gentleman I was speaking to that I could not accept his phone call at work and that he would have to contact my cell phone. I spoke with him on my cell phone about the issue and he keeps reeatedly calling my work after asking him to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I need to see video of my Tuesday, XX/XX/2022 visit from XXXX XXXX  to XXXX XXXX at the Chase branch XXXX XXXX XXXX XXXX, XXXX XXXX. I made a deposit but the teller unusually asked for my ID and I explained I was making a deposit because Chase removed ( stole ) my account online without notice claiming it was inactive. The teller asked me to wait and unnecessarily instructed me to see the banker. The banker said the account was still dormant despite the deposit and unnecessarily instructed me to blindly enter my social security number in the computer even though she already had my ID and deposit slip and I mentioned I had my Chase credit card and bank statements with me!!! My ID and bank statements may have been compromised as they were exposed for an extended period of time and the banker left the office while I was messaging Chase on my phone. She even asked me if I work in the area and if I work at home!! Both the banker and the branch manager refused to provide a printed confirmation!!!! 

Since the deposit slip didn't include the balance, I asked for the balance but the teller gave the balances for my other accounts instead of the one I asked for and it didn't even include the prior balance before the deposit!!!! 

Chase stole my account without any notice but thankfully I noticed this savings account wasn't appearing on my online accounts though Chase still hasn't apologized, explained, compensated, ensured the security of my accounts!!!! Chase even further aggravated and forced me to jeopardize my health, safety, privacy, security in addition to my ID, accounts, and all with time and energy I don't have!!!!

Please note their fraudulent practices include withholding their company name so I have no idea whether it is JP Morgan Chase or Criminal Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

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 2022-10-17
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Despite Regulation D being lifted, XXXX XXXX through Webster Bank has charged me two savings excess withdrawal fees ( {$40.00} on XX/XX/XXXX and {$60.00} on XX/XX/XXXX ). The first one I tried removing after talking to them, where they claimed Regulation D was not in effect. As I did exceed 6 transactions, I did not push further. However, I was charged {$60.00} a second time for this past cycle. This time I did NOT exceed 6 withdrawals. While there were more than 6 transactions, these were microdeposits and withdrawals for external account verification which resulted in {$0.00} being taken out. Even if Regulation D was not in effect, these should not be counted ( and indeed I have never been charged such fees for microdeposits with other banks when Regulation D was in effect ). I believe I made only 4 real withdrawals which resulted in money being taken out and not being immediately returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Google Compare Credit Cards Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
I have in the past few months been deactivated from XXXX, XXXX XXXX, google pay, an my XXXX account ( XXXX XXXX ) I have lost clients, transactions, behind this I have reported to all apps the issues I've been having I've been locked out of accounts from my bank XXXX mobile banking I'm going thru a dispute right now with my bank I can no longer use my XXXX MasterCard I've been kicked of my XXXX XXXX I have a open dispute going with XXXXXXXX, XXXX XXXX an XXXX XXXX XXXX I have transactions I can not access in my XXXX  account because of suspicious activity the poscess to dispute these accounts has caused me to lose a lot of funding for my new XXXX XXXX it's caused me to be late on my bill payments because I can not access my transactions customer service has giving me instructions to get back into my accounts an when I provide all the information I can it never gets resolved. I need to be able to get my accounts back open I have appointments stacking up an I need to work

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: HUNTINGTON NATIONAL BANK, THE
State: NH
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:
Huntington National Bank  XXXX XXXX XXXX XXXX, OH, XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, Huntington National Bank, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had this account! Ive already made previous requests to the creditors to send me documents that prove the ownership of this account but they still have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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