BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Between XX/XX/XXXX-XX/XX/XXXX, I had 2 cds totalling XXXX i believe was a little more, the reason for waiting this long I assumed the cashiers check i had made thru the 5th 3rd bank branch on XXXX street, XXXX NC was applied to ex-husband mortgage loan. according to a recent credit report, I did borrow money against the cds which show repaid back fully. The check was made out to XXXX or XXXX XXXX and XXXX ( XXXX XXXX XXXX ) I have proof that I had the funds, I have 4 witnesses that will go to court and testify as to seeing the check, and a conversation with the Floor manager and XXXX with his girlfriend and me present. He told XXXX he took the check to the XXXX branch. XXXX reps from California keep saying they never received that check. The check has never been signed, it is lost. First Manager I spoke to was rude, basically saying he could n't do anything. The main branch in XXXX I went through 3-4 people until I was sick of the run around. I even attempted to call the Pres. in XXXX and he in return had the area supv call me. It was like going around in a endless circle. Now that the house is in foreclosure and up for auction, I need the check to relocate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Experian Information Solutions Inc.
State: CT
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:
Experian Omission of accounts or records belonging to the consumer Data and data entry errors Furnisher system or process inaccuracies Assigning a payment to the wrong account ;

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 2016-01-09
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AZ
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
On XX/XX/XXXX, I received a voice message from XXXX XXXX, who notified me about legal action will be taken against me. She threatened to visit my home on XXXX to obtain my signature on her paperwork. XXXX XXXX did not indicate which agency she is representing, but she left a phone # XXXX & reference # XXXX to follow up ; I called the number, spoke to XXXX XXXX of XXXX XXXX ; he retrieved my file, advised me that I applied for loan dated for XXXX XXXX, XXXX ; he threatened that legal action will be taken against me ; he asked if I was in the position to pay the account ; if so, he might be able to stop the legal action ; I verbally did not acknowledge the debt ; I told him that documents need to be sent to me for review ; I do not call this loan, I have not received any notifications about this loan until now. I am alarmed and harassed. I believe this is a scheme to access my personal information from strangers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit companies are reporting inaccurate information on my account about missed payments/inquiries. 
Credit companies are not complying with their own policies in a timely manner.

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 2017-08-14
Company: Seterus, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : Seterus Inc. Account # : XXXX I was never late 30, 60, 90, 120 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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 2017-04-26
Company: Riverwalk Financial Corporation
State: TX
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:
Hello, On or around the date of  XXXX   XXXX ,  2017 , I received a notice from my credit report monitoring company th at Deville Asset Management had  placed an account on my file with a balance of  XXXX . I have not received any documentation or debt validation from  Deville Asset Management nor have I received any phone calls stating that this debt belonged to me. I have also submitted a letter to  XXXX  to have this item removed.    I have been researching this company and I have found out that they are NOT BONDED with the State of Texas therefore they are unable   to collect on this debt. This item must be removed from my credit reports.
I also have documentation from the Secretary of State website showing this company is not bonded in the state of Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: JPMORGAN CHASE & CO.
State: IN
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:
I am writing to your agency in hopes you can help me with some charges on m y Chase Card  previously disputed with you guys. I would like to know the status of the disputes. I am  XXXX  and I do not own a computer, no electricity or internet and I am not computer literate . Communication is k ind of difficult sometimes. So I asked my friend to help me with this. I did a complaint with CFPB previously but I lost track on what happened with my disputes. I was naive and let some companies take advantage of me and charged me for online services, meanwhile I told them I didnt own a computer, they said it wouldnt be a problem they would do all the work for me, and they did disappeared after, I tried to contact them many times to see what was going on, and they were not capable of fulfill with their end of the deal. I would like to know if the charges that I disputed with Chase were ever investigated and if they did what were the results. If they were disputed as claim and defenses. I would really appreciate if you help me with this so I can get some closure please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions 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:
I have two problems with XXXX XXXXXXXX. The first problem is me and my mother submitted an authorized user form on her account in XX/XX/XXXX so my credit report would be positively effected. We are now in XXXX and it has not showed up on my report yet! I have been getting the run around with this as at first I wasn't on there then I was then wait 30-60 days now they can't tell me anything more ... ... .. the second thing is I applied and was approved for the XXXX credit limit XXXX credit card around XX/XX/XXXX. I received the credit card via mail, I sent them the front n back of my license and ssn which I have never had to do for a credit card company as that should be on my application when I got approved. I called in checking on my mom 's authorized user status in XX/XX/XXXX and the woman told me my mother created a new account for me instead of the authorized user form. I informed her my mother only wanted me on her account as a authorized user and not a whole new card. The lady said no worries and cancelled that card she said my mom signed me up for instead of the authorized user. Turns out she cancelled MY XXXX card which had nothing to do with me being an authorized user on my mom 's account! So, they closed my card out before I could even really use it! That costed me XXXX points deduction on my credit report! I also have a hard inquiry on my report for no reason at all since they cancelled it without my permission! Is the whole XXXX XXXX  company a joke or are they trained correctly? I want this fixed!!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: DC
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:
I called EQUIFAX on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by XXXX XXXX XXXX XXXX The alleged creditor XXXX XXXX XXXX is a third- party collector which is a violation of 18 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EQUIFAX permission to take my information. 

EQUIFAX have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX XXXX XXXX EQUIFAX has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EQUIFAX claims on my credit file. 
Furthermore EQUIFAX has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EQUIFAX is in violation because I was not given any type of these reports in this investigation.

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XXXX I was feeling lonely and was on multiple dating websites. One of them was XXXX, and I had been chatting with someone in the XXXX. One thing lead to another and they took a video of me XXXX chatting with them. They wanted me to pay to get it taken down, and managed to get {$500.00} out of me. Well I eventually blocked them and reported to XXXX XXXX, and the transfer sites that it was a fraud. Well, come to XX/XX/XXXX I was contacted by an email claiming they were the Supreme Court. They had me pay {$4600.00} for a bond fee on XXXX second to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had stayed in contact with them for a few more weeks trying to see how the case was doing, and then they had me pay an additional {$2000.00} as a restitution fee. This was paid to an XXXX XXXX who banks with TD bank. After I paid this fee they never contacted me again. They seemed legitimate, and I believed every word at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I checked my consumer report and I noticed inaccurate information on my consumer report I have notified Equifax to correct and remedy this situation be they are being negligent in their efforts to correct and remedy these issues

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: JPMORGAN CHASE & CO.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Daily calls from an Ohio phone number soliciting services of consolidating debt. Every day I block their number and everyday a different Ohio phone number will call me. They are getting rude and ruder when I ask them to put me on a do not call or not interested list. They start reading off my social security number to me as if to taunt me that they have my information. I have repeatedly told them not interested. What can I do to get this to stop? They are not polite and very argumentative when I say no thank you. Sometimes they even call right back when I hang up. Yesterday 's phone call from the foreign representative said he was calling for Chase but I have no idea who is in Ohio and making these phone calls from several different numbers. XXXX, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX, American Express sent me an email informing me that my credit limit had been lowered from {$35000.00} to {$2500.00}. I called American Express recently on Sunday, XX/XX/XXXX, at XXXX PM EST in an attempt to acquire the original document they sent that detailed the reasons for the credit line reduction. I could not recall the exact reason so I asked for the document. When they were unable to produce the document, the representative encouraged me to " check with the bureaus around that timeframe. '' The American Express representative advised me to contact a third party consumer reporting agency to find out why American Express lowered my credit limit. I took this to be a veiled hint that it was because of my credit score, but they would not confirm this. I asked for a call back from a supervisor and was assured I would received one within 24-48 hours. I did not. 

I contacted American Express again at XXXX on Wednesday, XX/XX/XXXX, and spoke with " XXXX ''. I informed him that despite the promise of a supervisor 's callback, I had not gotten one. Even though he was not a supervisor, he promised to assist me. I stated that American Express had been unable to explain why my limit had been reduced and my federally protected consumer rights have been violated. 

American Express ' actions in reducing my credit card limit from {$35000.00} to {$2500.00} is discriminatory and in violation of federal law. I have suffered harm, injury, and emotional distress from this situation. Specifically : 15 USC 1602 ( f ) 15 USC 1602 ( p ) 15 USC 1691 ( a ) ( 3 ) XXXX said he was trying to obtain help and that the situation had been escalated. I enquired as to when I may hear from American Express regarding the problem. He only said that it " was escalated '' and was unable to provide me an estimate or guarantee that I would even get a call back. The only resolution that would satisfy me ( lawfully ) and offer remedy is the complete restoration of the {$35000.00} credit limit I had prior to XX/XX/XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
had a Victorias Secret card forever. Tried to use it at Victorias Secret in XXXX XXXX and was told I would have to apply again. So I did and it was approved immediately. I spent XXXX on XX/XX/XXXX and paid the full amount on XX/XX/XXXX. Then on XX/XX/XXXX I charged XXXX and paid the full amount on XX/XX/XXXX. I then received a notive in my email that the account was on hold and that there was suspicious activity oon my account. When I checked the account, there was no suspicious activity on it, so I called the customer service number and was told I would have talk to the fraud department and I was connected to them. I told the man who answered that there was not any suspicious activity and he told me that I would have to send them a copy of my Drivers license front and back and a copy of my social security card front and back. I told him that I had never been asked for these items before and he said I had to do it or they would cancel my account. Since I have plenty of credit cards I didn't really need this one so I didn't sent the requested items and they cancelled my account. Then I went to XXXX XXXX  XXXX and bought my flooring and had to apply for their card. So I did and it was approved right away again. This was also with Comenity Bank. on XX/XX/XXXX. for XXXX. I got a promotional deal for no interest if paid in full by XX/XX/XXXX. On XX/XX/XXXX I paid XXXX, then on XX/XX/XXXX I paid XXXX, then on XX/XX/XXXX XXXX I paid another XXXX. I have never been late with a payment and I am paying more each month than is being required and now I am told that this account is cancelled. With all the scams and fraud going on right now we should never be asked for the information that they are asking for. They seem to be a little crooked themselves. I really don't need either of these accounts but I certainly think Comenity 's credit department should be investigated. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: OH
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:
Victim of identity theft/fraud since 2016. Have filed a dispute several times with police reports. Credit reporting agencies have failed to remove fraudulent accounts. I have done everything I could to get this resolved. Im a victim suffering defamation and identity theft. Accounts frequently keep getting put in my name without my consent and affecting my credit. Experian is no help with this severe issue. XXXX and XXXX have been resolving more than Experian disputes.

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 2022-08-03
Company: Experian Information Solutions Inc.
State: MI
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:
My XXXX XXXX bankruptcy was discharged on XX/XX/2016. I live in Michigan and this should be deleted from all XXXX credit reporting agencies. It's been over 7 years. Come on now you know this is illegal.

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 2023-01-04
Company: WELLS FARGO & COMPANY
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX XXXX, I called Wells Fargo Auto to find out why they have added late fees for the past three months even though they and my bank show my payments were made a week before the due date. She kept calling out months saying my payment was late and I'd give here the date it was processed through my back. Each payment was processed by my bank before the due date. When she couldn't justify the late fees, she said my concerns would have to be sent to another department. 
I requested the late fees be taken off again and was told they needed to send my account and concern to another department. When I said I was going to move my load to my bank and need a 30 day pay off. She would only give me a one-day payoff amount until I kept asking several times and finally got it. The person I was speaking with would not listen to anything I was telling her, refused to give information, argued with me until I proved her wrong repeatedly, was very unpleasant but I still wished her a nice day and a happy XXXX XXXX. 
Wells Fargo did this same type of illegal activity to me many years ago. When they bought my auto loan, I hoped over the decade they had cleaned up their banking schemes. Obviously, they haven't. Their practice of arbitrarily assigning fees is making them a lot of money they haven't earned and costing their customers their hard earned income. 
Please let me know what can be done to stop Wells Fargo and other banking institutions from continuing this practice. 

Thank you for reading my complaint and I hope to hear what I do as next steps. 

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 2022-08-03
Company: Experian Information Solutions Inc.
State: GA
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:
I have noticed many incorrect and unauthorized items appeared in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief