BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are 10 derogatory accounts on my report with all 3 credit bureaus, connected to someone else that has fraudulent use my personal info. I have sent the bureaus copies of my identification by certified mail in XXXX of XXXX and requested the incorrect names XXXX XXXX, XXXX and accounts be removed. I have contacted these creditors and no info will be released to me since I am not the owner of these 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 2022-09-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, I previously submitted a dispute for XXXX HOUSE where I showed that my dispute letter was returned from the post office because the address did not exist. In your response you stated that you updated the prior payment history as requested however upon checking my report it only shows that the balance was updated to {$0.00}. The payment history still shows incorrect late payments for the months of XX/XX/2021 and XX/XX/2021. Please review the attachments and update my payment history for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Experian Information Solutions 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 status incorrect

Complaint:
I returned an auto lease of a 2013 gray XXXX XXXX to XXXX XXXX or XXXX XXXX now XXXX XXXX ) where i leased it from. There was no damage to the vehicle in any way shape or form and yet they are charging me XXXX for damage. No proof of damage was provided, in fact i purchased another vehicle ( XXXX ) from the same dealership and same salesman as the XXXX  immediately after it was turned in. No mention of damage or money owed was ever mentioned. In fact it was me who notified them of seal issues with the roof and water pouring into the car during all rain fall.this caused rust inside the wheel wells as well as electrical issues. It was the main reason the dealership allowed me to turn in the lease early without any penalty. If this isn't completely removed from my credit i will be filing a civil suit against both the dealership and XXXX XXXX. I have consistently been given the run around regarding this issue. I have also leased and purchased over 7 XXXX vehicles through XXXX XXXX and have never once been accused of wear and tear damage. Unless photos of the damage are provided as proof of the cars condition upon return i will be moving forward with legal action.

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 2020-07-06
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I received an email notification that a my checking account card had been charged two separate transactions by XXXX XXXX on the XX/XX/2020. One transaction came to {$47.00} and the second transaction for {$31.00}. I notified my bank on the same day and subsequently cancelled my checking card and was notified I would be refunded. 

Several days later I was refunded. 

Some weeks later I was written to by my bank and notified the claim had been denied and that the two sums totaling {$79.00} would be charged back to my account which occurred in the first week of XXXX. 

I called my local branch to complain about this and scheduled an appointment to speak with a banking representative in person. The representative told me this transaction was in New York and expressed surprise the claim had been denied and said he would reopen it. 

I have now been notified my claim has been denied for a second time with the following reason cited. " There is proof from the merchant that the transaction was valid ''.

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 2022-07-27
Company: EQUIFAX, INC.
State: OR
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:
Credit alert regarding a Hard Inquiry that I did not request ( XXXX XXXX XXXX ) - Haven't even heard of the company that made the inquiry. I called the company making the inquiry and they had no record of making the inquiry on my credit report. I then filed a dispute with Equifax. They " investigated '' which was complete within an hour or two and credit report remained unchanged. I called Equifax and they indicate they can not change it without supporting documentation and a police report. First, since I requested no inquiry and don't know the company making the inquiry, there is no documentation. Second, no police department is going to file a report for a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I no put atencin in how much Bank of America was taking from fees to me I think sino right that we working hard and they just take easy money in the packette

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 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Hello, I have been disputing an account with this company for a collection account on my report that is not accurate. This account has not does meet FCRA standards, and can not be verified because it has been removed from my XXXX report. I have disputed this account with XXXX in XXXX, and XX/XX/2020. It has come back as no change, and they are refusing to investigate and provide proof of validation/verification or the source of the verification. 

I have also disputed this account with Transunion in XXXX of 2020, and it has come back as no change. This account is inaccurate because I do not owe this balance on this account at all! This account should be removed, just like it was properly removed from XXXX 

I have sent letters showing that the original creditor has broken their agreement and I am not liable for this. I have also, shown proof that XXXX  has deleted this on my XXXX XXXX account. 

This account is XXXX XXXX XXXX, account number : 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 2020-01-03
Company: Experian Information Solutions Inc.
State: OH
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:
Today, XX/XX/2020, I checked my credit report and noticed a new collection account had been placed on my credit report. The original creditor is XXXX XXXX, collection company is XXXX XXXX. Account number XXXX for the amount of {$290.00}. I have no knowledge of ever opening any accounts with XXXX XXXX and I have had this issue once before as a result of identity theft. Last year XXXX XXXX reported on my credit file and I sent my identity theft report to each credit bureau and the collection was removed. Once again XXXX XXXX is reporting on my credit reports as a result of them selling this fraudulent account to XXXX XXXX which also reaged this account. I have no knowledge of this account and is a result of Identity Theft. I have notified each credit reporting agency as a result. Along with this complaint I have attached my FTC Identity Theft Report, FCRA 605b, letter to Experian, Credit Report, Drivers license, and social security card.

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 2020-08-05
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have tried to solve this matter with Caine and Weiner on several times ( via certied mail ), I have even offered a pay for deletions and still Caine and Wainer is opting for ignoring my letters, Caine and Wainer are trying to collect an unvalidated account, out of the status of limitations, and ignoring my intentions to resolve this matter. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: Santander Consumer USA Holdings Inc.
State: UT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Chrysler Capital is reporting a Charge off on my credit, but it is not a charge off, it is current. Its affecting me from being able to refinance that car because it looks like it is a charged off repossession but it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I noticed online I had XXXX overdraft fees of XXXX a piece to the sum of {$170.00} and XXXX overdrawn limit fee of {$35.00}, totaling {$210.00}. I set up an appointment for thursday, XXXX XXXX @ XXXX and once there explained that my grandfather was recently diagnosed with XXXX XXXX which has also affected his XXXX and only has a short time frame XXXX and so I had been having extra expenses dealing with family and my father in helping my grandfather. When I visited the branch location at approximately XXXX I waited. There was another lady that arrived XXXX minutes after me and firstly they saw her first in which she did not have an appointment. I work XXXX with XXXX so I understand formalities, but also common courtesy. I explained to the first agent ( do not know her title ) regarding what had been happening and that I am requesting forgiveness of these fees due to circumstance. She advised me that her manager would make that call and she had to go talk to her. So, she went to do that and a manager came over and immediately stated that their system would not allow them to do it, and immediately told me to open a line of credit to take care of it. I was confused and asked who is the manager and who is in charge as the first agent made it seem as though she ( the assistance or whatever her title is ) would make that decision. She immediately tries to sell me on the idea of a credit card again. I 'm thinking how is this product going to help me right now in the moment with my situation and fees that I have by opening a new line of credit and dealing with family issues. So, they advise me, the manager, XXXX would be who I would speak with. They also advise me that she would be in that afternoon. So, from XXXX XXXX I call several times but could not reach her. There was not an email on the card they provided me. So, when I did reach someone, a gentleman answered and he took my information and stated that she would call me back. Well, I never heard from XXXX. No one every called me back. Not good customer service. I have been a customer over 10 years and if these fees can not be waived I will be closing my account and moving to another 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 monetary relief
Consumer complaint received 2020-08-05
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hunter warfield inc has a collection on my credit report on behalf of XXXX XXXX at XXXX XXXX for the amount of {$3000.00}. I do not owe this money and I have an email from XXXX  XXXX at XXXX XXXX  starting my account with them is settled. I have also not recieved any letter, statements, etc from Hunter warfield in regards to this. I request that this be removed from my credit report with XXXX, XXXX, and XXXX immediately. 

-- -- -Original Message -- -- - From : XXXX XXXX XXXX XXXX To : XXXX XXXX Sent : Mon, XX/XX/2017 XXXX XXXX Subject : Collection acct. correction   Good morning Ms. XXXX, As per our conversation this morning this mail is to confirm that we have addressed Hunter Warfield about your account clearance, and today again I emailed the client service at Hunter Warfield to get a confirmation letter releasing the account from collection as per approval from our Regional manager. 

We have corrected your account and waived the termination fee. 



Respectfully, XXXX XXXX Assistant Manager XXXX  XXXX  at 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 2022-07-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/XXXX, I received a Chase Saphire Preferred Card that I never applied for. It prompted me to contact Chase and close the card on XX/XX/XXXX. 

On the XXXX, I created an account on XXXX, XXXX, and XXXX freezing and locking my credit. The perpetrator had already made an XXXX account using my information. I contacted support and gained access to the account. I disputed the address on file, name, and inquiries. 

I contacted XXXX XXXX and reported fraud, which denied the credit card application. I contacted JPMorgan, but they did see the applications yet. They did a hard inquiry on XX/XX/XXXX and XXXX. 

I contacted the local police and filed a police report regarding the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
The bureau is reporting an account for XXXX XXXX as closed/ charged off that does not belong to me and it's affecting my ability to obtain new credit. I have disputed this account already months ago to no avail.

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 2016-09-20
Company: Utah System of Higher Education
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
The servicer that currently holds my student loans never answers. I have called everyday for 2 weeks waited one hour on hold and no one ever picks up. I have been making principal payments to my loans and I would like them allocated to a certain account. How can I have my loans transferred to a new servicer with better service?

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 2020-05-22
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, my father, XXXX XXXX passed away. Dad lived in Florida and was a XXXX. He was XXXX years old when he died. 

I was appointed personal representative for the estate ( executor ) and have the responsibility to review all assets, debts, etc. I found that Dad ( and my mother who passed away in XXXX ) were victims of Wells Fargo unethical actions of having opened close to 10 different checking and savings accounts. I have taken steps to close nearly all of them, but Wells Fargo is refusing to close one account with nearly {$5000.00} in it. And even, worse, the bank is draining the account with the imposition of fees. 

I have visited the branch in CT many times and each time I am treated respectfully but told that due to certain policies they can't close the account. They told me the policies which involved me becoming an authorized signer for the business account but when I did what I was requested to do, the bank came up with more policies. I was told that due to the bank 's past unlawfulness, they are under intense federal scrutiny. 

I asked for a detailed list of what was needed and was told the bank couldn't put it in writing. I was told a person would call me and this person never called. I was told that the bank would rather have the money escheated to the state rather than close the account. 

I have presented the death certificates of both parents. I have presented my legal authorization as appointment as personal representative. I have presented the authorization to allow me to close the account -- -- which shouldn't be necessary anyway. 

The bank is wrongfully withholding funds due the XXXX of XXXX XXXX and my complaint is that the account needs to be closed and the money returned to the estate so we can finish the probate process. And ... all fees need to be reimbursed. 

My last request to the bank was on XXXX XXXX and this was a follow up to a XX/XX/XXXX request, which was a followup to many other visits.

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 2020-09-05
Company: Franklin Collection Service, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a complaint against XXXX XXXX XXXX XXXX XXXX on XX/XX/2020. That collection account was an account originally from XXXX XXXX. The XXXX XXXX solutions was deleted from my credit reports after filing the complaint through CFPB. 
Now another collection agency named Franklin Collection Service is now reporting this same XXXX XXXX account on my credit report. I have never lived in an area wheee XXXX XXXX has even been available.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the  XXXX   XXXX   XXXX  off in  XXXX . They sent my title. I do n't owe them anything, but the way  Santander rep orted it on my credit looks like I still owe. They reported it as a "  XXXX  balance '' which looks negative on my part. I feel it should say " paid in full. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022, I received a 1099-INT from The XXXX Bank XXXX reporting interest for an account that I did not open. I have never had an account with Chime or XXXX Bank. 
On XX/XX/2022, I called XXXX and was told that this was a Chime account and that they could not help me. I call Chime on XX/XX/2022 and was told that I need to send them an email about the fraud which I did on XX/XX/XXXX and XX/XX/2022 and have not received a response. 
I called IRS on XX/XX/2022 and have a filed an identity theft report with them. 
Apparently Chime/XXXX Bank allowed someone to open an account in my name with my social security number without verification of identity. I am having a difficult time trying to get either Chime or XXXX to allow me to speak with someone in fraud department to close this account and issue a corrected form 1099-INT reporting zero interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
The bureau is reporting an account for XXXX XXXX as closed/ charged off that does not belong to me and it's affecting my ability to obtain new credit. I have disputed this account already months ago to no avail.

Company response to consumer: Closed with non-monetary relief