BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reached out to Experian a Third-party reporting agency about fraudulent activity with some unauthorized inquiries that I did not sign for, Every inquiry that is not tied to an account is fraudulent and I did not sign for,. I expressed this to them and asked them to delete these unauthorized inquiries and I haven't heard anything back from them and I know they received my dispute 's because they corrected an issue I was having with some inaccurate Late payments that were being reported incorrectly on my consumer report and both was in the same envelope. 
XXXX XXXX XXXX, I never even heard of them, I never gave written permission to pull or share my private or personal information to any third-party consumer reporting agency, that's identity theft XXXX XXXX XXXXXXXX, I never gave this company written permission to pull or share my private information to any third-party reporting agency thats identity theft XXXX : XX/XX/XXXX, I never heard of this company nor have I given them written permission to pull or share my personal information with any of the third-party consumer agencies thats identity theft EXPERIAN BUSINESS CRED : XX/XX/XXXX, I never gave this company written permission to pull or furnish anything to my consumer report or furnish any personal information to any third-party consumer agencies thats identity theft EXPERIAN BUSINESS CRED : XX/XX/XXXX I never gave this company written permission to pull or furnish any of my personal information which is private and Im do privacy by the law of being a consumer this is identity theft I need these fraudulent unlawful inquiries deleted asap

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 2023-03-13
Company: W&A Intermediate Co., LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Wakefeild do not own the debt. Telephone they used doesn't work when you try to call back. The medical debt has /was being handle by healthcare insurance. I told them to cease and desist ANY weather contact with me by via email, US Postal services, any mail carry service, text message, telephone calss and or reporting any information to any credit bureau reporting agencies. They still keep harrassing me by US postal service about a debt they do not own the chain of title to. The male represenative was rude. He told me why dont I just pay my bill and discussing my personal medical information violating HIPPA.I do not owe money this issue was result through insurance. Wakefield has harassed me after i i told them repeatedly to STOP. reference numbers XXXX ref # XXXX amount {$400.00} XXXX ref # XXXX amount {$210.00} These collection agency are selling the debt without chain of title, NO ownership something needs to be done about this level of harassment. This is unfair and deceptive pratice trades and a violation under the consumer fair credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: NC
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:
n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXXXXXX ...., XXXX XXXX  XXXX ...., XXXX XXXX XXXX XXXX ... .., XXXX XXXX XXXX XXXXXXXX ...,, XXXX XXXX XXXX XXXX..XXXX XXXX XXXX XXXX ... .., XXXX XXXX ... .XXXX XXXX XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Fraudulent inquiries have been reported on my credit report. And I need them all to be removed because they are not true nor 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: JPMORGAN CHASE & CO.
State: IL
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/2022, I saw 3 fraudulent transactions on my banking app totaling an amount of {$360.00}. I reported them right away to my bank and they locked my card and sent out a new one. When these purchases were made, I was in possession of my physical card, but the transactions made were via XXXX XXXX and were in-person transactions. I filed a claim with the bank to get that money back since those purchases were not made by me. They denied my claim, stating that the purchases were made in my direct vicinity, using my card, and can not be disputed. I then took screen-shots of the transaction history on my XXXX XXXX showing that although the fraudulent purchases showed up on my banking app, they were not on my XXXX XXXX  transaction history because the purchases were never made using my device. Someone else added my card to their XXXX XXXX  and made in-person transactions from their phone. I re-submitted the claim after denial with supporting evidence of the screenshots of my XXXX XXXX  just to have them deny it again and tell me to get into contact with the merchants. I contacted the merchants, and was given information about the transactions such as transaction IDs and register numbers, and was advised to file a police report. Once I filed the police report, the detective in charge found XXXX footage of the exact register number and at the same time, the transactions showed up on my banking app. The suspect was a male and I am female. There is no way these purchases were made by me. As of now, the investigation is still underway to track down the suspect. I informed the bank of all of this information and was told " once we deny a claim, it is unlikely for us to look at further comments on that claim '', basically telling me to forget about the {$360.00} that I didn't spend. All of this happened over the course of 3 months, and I have made multiple phone calls to the bank, detectives, and merchants. The bank has given me the run-around since day 1 and refuses to listen. I now have to file a complaint with this bank, because this is the 3rd card that has been compromised from the same bank. I have had 2 additional credit cards, between my husband and I, from the same bank with fraudulent charges that have had to be locked and replaced and it was very inconvenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Upgrade, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I applied for credit card with UPGRADE since XX/XX/2021 for {$7500.00} to buy a user car after my new car was flooded ... they hide the rate 13 % after it became 20 % but I accepted I calculated that it will cost {$8900.00} for a total 31 payments ... the monthly payment is {$280.00}. 
Normally I have 13 payment left but I realized that I didn't pass {$2600.00} neither the half... I suspect them to steal my money. I used their credit card twice but I put back that money. It's not clear they have stolen us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, this creditor has violated my Rights! Under Act 15 U.S.C 1681section 602 says, " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 states, " It also states consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

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 2023-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 have a bj credit card and the credit card company closed my account with out my approval and know it showing on my credit report and the credit card company dont want to to give me any answer or information they just want me to pay the bill but I never approved for this credit card to be closed the credit card company is comenity bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I had a text message that my new Bank of America card was being sent to me within XXXX days. I checked my credit report and it showed a inquiry was made on my credit by bank of america on XXXX XXXX. I called Bank of America fraud department and inquired if an account was opened and they said there was but as of XX/XX/2023 no activity had been shown. They put a stop on the card and will monitor for the next 10 days.

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 2023-03-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in compliance with all of Wells Fargo request, title clearing, financial documents and paid all the payments they demanded despite the frequent amount changes. I have been trying to participate/obtain a COVID-19 Loss Mitigation modification since XX/XX/XXXX. 

I was told there was an approval in XX/XX/XXXX but never received any paperwork. 
Then I received paperwork in XXXX of XXXX notarized by the deadline sent it back then told it was denied. XX/XX/XXXX of XXXX, I received a Modification package with a higher interest rate and a non reduced payment. 

I don't understand what and why this is happening. I have an FHA loan and meet the qualifications for the mitigation process. Please help me. I have been reaching out for support to no avail. It appears I will have to seek assistance and or report to the media to get an opportunity that has been offered to homeowners across the globe.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 letters to XXXX XXXX  asking them to re investigate because i found errors on mycredit report and asked them to update it or delete it and it came back verified and updated but how could it be if nothing has changed since XX/XX/2022. My Account # XXXX. I paid an Collections and it is not showing been paid. I want this account deleted immediately. you violated my rights under the FCRA by not fairly and accurately reinvesting my disputes. I do have all my letters that i sent certified and the person the signed.

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 2023-03-13
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I paid off my auto loan. I called the lender for the payoff amount. I sent a certified check for the payoff amount. I called the lender and asked had it been applied, it had not. I asked would I be penalized if applied late, they said no. The last payment ( the payoff amount ) was the only payment ever marked late. I do not want to be penalized for this. I was paying off the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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: Account information incorrect

Complaint:
Inaccurate balance showing in credit report. Last credit card statement end balance was {$0.00} which statement ended the end of XXXX. I'm attaching the last statement for your review.

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 2023-03-13
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: Account information incorrect

Complaint:
Inaccurate balance showing in credit report. Last credit card statement end balance was {$0.00} which statement ended the end of XXXX. I'm attaching the last statement for your review.

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 2018-04-26
Company: Associated Credit Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a XXXX XXXX account opened for many years and have made regular payments. I have recently gone through financial hardship and could not afford to keep making payments. The amount owed seems excessive since I had to immediately leave the premises.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: FIRST NATIONAL BANK OF OMAHA
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
To Whom It May Concern : I am writing today to request the XXXX XXXX Guess Rewards Points sign-up bonus, after having made {$1000.00} in purchases. 

Despite being approved for my card in XX/XX/XXXX, I did not receive my card until XXXX XXXX days after the first 3 billing cycle window for the sign-up bonus. 

My card had been intercepted/stolen in the mail and despite reporting this to FNBO on XX/XX/XXXX, I did not receive a replacement card until XX/XX/XXXX, see attached. This even after having made multiple calls and getting different answers as to when or even if the replacement card had been mailed out. 

I do not feel that my sign-up bonus should be denied because it took FNBO over a month to send a replacement 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 2023-08-01
Company: Westlake Services, LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
The issue at hand is that the bank was aware of my medical and financial issues at the time and were told I would be receiving a lump some from my XXXX XXXX XXXXXXXX and they started placing fees on my account saying there are late fees when I have been making payments to ny account. They have also been giving me NFS fees when I did not set up autopay. Its not duplicated complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of Inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 received a text message from Capital One at XXXX in the morning of XX/XX/2023 alerting me to a charge they thought was a fraud charge on my card, they asked if I had just tried to make a purchase on my card at XXXX in the amount of {$1300.00} and asked me to reply Yes or No to protect my account. When I woke up at XXXX I immediately replied with No, I received a reply that we will take care of this right now and I then proceeded to call the number on my card and report the fraud and cancel my card. I was told I am not responsible for fraud charges and not to worry and the charge was removed from my account. Today XX/XX/2023, I received two online letters from Capital One which I have uploaded to this complaint. I immediately called the number on the letter and was told that I was responsible for the charges and there was nothing they can do, it is the law. They said the person who ordered the laptop gave my name and address and they picked up this order later in the day and gave ID that verified it was me. 
for this reason, they held me responsible for the purchase. I said I am not surprised the person had my name and address and obviously a fake ID, as they already had stolen my card information so it was not a surprise, they had this other information and how could they make this judgment based on this information. I said I was discussed with their decision, and I was told there is nothing they can do, and I will be responsible for this charge. I made the point that last year I spent {$480000.00} on this card and this is the way I am treated. 
I honestly believed that the consumer had 0 responsibility in a fraud case and the fact that Capital one initially alerted me to this fraud how can I be responsible. I contacted them immediately I woke up and read their text and cancelled the card and now they are holding me responsible Soley because the person who collected the order had an ID. This must happen all this time in fraud cases. I want to appeal this situation but was told there is nothing they can do. I am absolutely discussed with this decision and do not know what recourse to take. I refuse to pay for this charge that is not mine and fraudulent. I do not know what else I could have done to prevent this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
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:
experian you are reporting accounts that do not belong to me i have sent so many disputes and its getting annoying your not helping me please delete XXXX  account XXXX XXXX XXXX  account XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX delete off my credit XXXX and XXXX are the same account you cant doble 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
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing and of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation