BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX {$2100.00}, I did not owe any debt or were in contract with mountain view crossing. 

Although I disputed this before, it remains on my credit report. Stating that it is valid. Where is the proof. 

i demand a copy of my signature for any service or contract!!! 

There isn't one. I simply do not understand this debt and owe nothing to XXXX XXXX XXXX. 

Must be removed as it is fraud. 
from Transunion and 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 2022-03-08
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX Barclays Jet Blue MasterCard  notified me that if i didn't use the card it would be cancelled. I charged a restaurant bill for {$71.00} in mid XXXX and paid the charge in full before it was due XX/XX/2022. I have a cancelled check showing that. Barclays deposited my check but did not credit it to my account, and has been charging me late fees and interest ever since. I've made at least 8 long calls to Barclays, and have sent them a copy of the deposited check. They keep telling me " they will resolve it '' but they have knocked my credit rating XXXX points by reporting it as an uncollected debt. They have failed to give me appropriate credit for my payments and have not written the credit agencies to say this was their error not mine ... .and they haven't FIXED IT. No matter how many people I speak to, nothing gets done. I have copies of all docs for proof. Please help. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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:
XXXXDEPT OF ED did not purchase the promissory note from XXXX : XXXX XXXX All allege contracts are completely fraudulent & the attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity of identity theft & power of attorney fraud. Please expedite the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, & losses due to me being a victim of identity theft. The FDCPA is intended to secure my right to privacy & my privacy has been breached. I am sure the removal of my information from your company records, and/or with any corporate aliates like Experian, XXXX or XXXX to ensure my privacy rights won't be violated again due to my lack of consent. Please BLOCK & REMOVE all information resulting from Identity Theft pursuant to FCRA 605B ( 15 USC 1681 c-2 ) which states that these accounts must be removed within 4 Business Days. 

XXXX has failed to provide with the actual contract. XXXX has only provided a photocopy of the contract, which includes a variation of my name, but ITS NOT my name. XXXX and XXXX are two different names even though they are identical. 

For an example, XXXX would be someone different from XXXX, as XXXX is Not XXXX. 

The driver license the contract displays is NOT my driver license number. The signature displayed is NOT my signature either. 

I have attached a copy of the FTC identity theft report. The account in detail is listed at the bottom of my FTC 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 2022-08-25
Company: Experian Information Solutions Inc.
State: FL
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

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 2022-09-02
Company: AMERICAN EXPRESS COMPANY
State: NV
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:
Hello, my name is XXXX XXXX. For over 10 months, I have been going back and forth between XXXX, XXXX, and American Express regarding fraudulent hard inquiries on my credit report. In XX/XX/2021, someone attempted to open an account with my personal information at American Express. American Express informed me that the application was flagged as fraud, and they did not proceed to open that accounts. However, the inquiry appeared on my XXXX and XXXX accounts. On XX/XX/XXXX, XXXX removed the two fraudulent American Express hard inquiries from my credit report. However, XXXX didn't. I've reached out to XXXX to have them remove them ; however, they claim that they can until American Express reaches out to them. But when I reach out to AmexXXXX express, they claim that they can see hard inquiries reporting from them, therefor they can't create a dispute. Amex 's claims are entirely false ; you can confirm with XXXX that they pulled my report 3 times when it should have been once. I need two fraudulent hard inquiries from my XXXX to be removed. I can provide proof of my credit report clearly showing one hard inquiry from Amex on XXXX and 3 from XXXX. 



In the attached document, you will see clear proof that there is one hard inquiry from Amex, which is correct in my experience. Followed by three inquiries on my XXXX, which is incorrect, and two of them should be removed, the two being XX/XX/XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I financed a vehicle at XXXX XXXX in XXXXXXXX XXXX, Mo. Three days later I was contacted by XXXX XXXX that the financing did n't go through, so upon returning the vehical,, I was told by XXXX XXXX that my trade in was sold, and they would work to get me financed, after continued visits ( 20 days ) to XXXX XXXX, the temporary tags expired, I surrendered the vehical and was told that I was just out of a vehical, I contacted the company ( santander ), to see if I could get my trade in vehical back, was the transaction was final, that they receive the payment off, they sent me a paid in full letter, and reported the vehical to credit agencies as paid in full, I didnt receive any correspondence from either companies, until six months later, by phone stating that they ( santander ) were going to reinstate me to the vehical, and that I was six months behind, in payments, the original transaction was on XXXX XXXX, XXXX, the trade in vehicle was sold on XXXX the XXXX, XXXX, in XXXX of this year I was giving {$1500.00}, back in check form from down payment, and another {$1500.00}, in XXXX, which i have n't cashed, at this time, I purchased another vehical on XXXX XXXX. I told the companies that I have financed another vehicle and can not afford two car notes. I photographed the ( my ) traded in vehicle on XXXX the XXXX, on XXXX XXXX car lot, ( for sale ), and I have a copy of the advertising sale, of the traded in vehical. Doing the twelve months I owned the traded in vehicle I was never late with payments, now after this situation my credit score has dropped over 100, points, and I have been denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
OnXX/XX/XXXX I received an email alert from Wells Fargo that my checking account balance had fallen below XXXX  and was now XXXX, previous balance had been XXXX. This represented a XXXX dollar transaction! I immediately went online and found that a withdrawal of XXXX was posted to my account as a " XXXX XXXX XXXX ''. I do not have any bad debts with Wells Fargo and there is no indication as to where this money went - or to whom.

I immediately called Wells to report the transaction as fraudulent and was told to call back later. I called again and was told Wells would investigate and follow up with me in a couple of days.

I did not authorize this transaction and have no way to tell where this money went. Given the past well-documented problems Wells has had in the recent past with this sort of problem, I am not confidant I will ever see this money again. 

Please contact Wells Fargo Fraud division and help me get satisfaction.

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 2017-08-29
Company: Netspend Corporation
State: IL
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:
All the customer service numbers listed for this card will not allow me to talk to anyone until I activate it. I do n't want the card, and will not activate it. I want to know why they sent it to me when I never requested this 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 explanation
Consumer complaint received 2022-09-02
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I reported a fraudulent charge with PayPal for {$200.00}. They did an investigation and determined I made the transaction. I confirmed with them that I did not make a transaction at all. I believe it was a fishing scam that I fell victim of, and then I told them that they refused to even discuss other options. 

They are more concerned with being viewed as safe than actually being safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: BETHPAGE FEDERAL CREDIT UNION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have contacted Bethpage Federal Credit Union on XX/XX/XXXX and XX/XX/XXXX, and no one has been able to help me. XXXX has not removed the this consumer from my credit report, despite my dispute requests. This is an account that was removed in XXXX once I paid the account in full. The consumer is unable to locate my account ( Account # XXXX ), but XXXX says that the consumer is requesting for the account to stay on my report. I'm not sure how to have this removed from my credit report when the consumer can not locate the account, but XXXX is advising that the account is valid. Please assist.

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 2022-09-02
Company: EQUIFAX, INC.
State: AL
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:
Account Number : XXXX XXXX  XXXX I have been a victim of identity theft and I am writing to dispute the account information in my file. This account was a result of the identity theft and is not mine. 

You must be aware that the furnisher of my credit information is an unreliable source and that the informational items sent to you from the furnisher was inaccurate prior to you issuing my consumer disclosure. 

Block the account XXXXXXXX XXXX XXXX from reporting to my consumer report because it is verified identity theft reported by the police. Included is the police report with the individual who stole my identity reported. 

Also included is my proof of ID ( Drivers license, social security card and utility bill )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: Aqua Finance, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX  Substandard work  we were told the amount was $XXXX to XXXX a month 
We get a bill of $XXXX a month we can not afford this payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Issue XXXX Cashiers check issued from Chase Bank to the Internal Revenue Service in the amount of {$4100.00} check was endorsed by other than IRS. Claim has been filed in XX/XX/2022. Nothing has been done since. I was told to file a police report. 

Issue XXXX Unauthorized transfers from my Chase savings accounts have been made into my Chase checking accounts in the amount of {$9100.00}. Several unauthorized charges were made and posted against this amount. Chase was immediately notified and is currently under investigation. I am being told by the claims department that it has to be proven that this was in fact an illegal act. I have not been given any indication from Chase how long it will take to recovery the amount illegally taken out of my account, or if in fact it can be recovered at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: DC
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:
Through poor security practices, Equifax exposed my personally identifiable information to malicious third parties in a massive data breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach ; very little was done to notify the public for nearly a month after the breach was detected, and I received no email, letter, or phone call explaining the situation ( and instead learned of it through social media ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Received a letter with company name in my mail on XXXX, called the company to inform them of fdcpa violation of putting company name on correspondence can inform XXXX parties of presence of debt. I asked for supervisor, his name was XXXX, he said they put their name on all correspondence and that we can agree to disagree on this being a violation. Informed him I will be reporting him to the fdcpa for the violation, he said go right ahead and laughed. I also have screen shots

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 2022-09-02
Company: EQUIFAX, INC.
State: TX
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:
accordance with the fair credit reporting act XXXX  Account 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. With all do respect i've reported this account twice now please take action you have no idea how bad having this certain account on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: JPMORGAN CHASE & CO.
State: GA
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:
In XXXX of XXXX I hired the services of a XXXX XXXX. I used my credit card to pay {$1600.00} for a total of 26 sessions. The issue started when there was a duplicate charge on my account for the same and from the same merchant. The owner of the company told me it was a mistake and the easiest resolution would be to contact my Credit Card and ask them to refund the purchase. I did just that, but for whatever reason the XXXX XXXX XXXX refunded me as well which ultimately netted in a XXXX  charge. He charged me again, which made sense as I needed to still pay the full amount for the sessions. Unfortunately this cycle continue and different accounts were used to charge my card for the charge amount of {$1600.00}. I eventually decided to terminate my working relationship with the trainer as my finances were in jeopardy based on what I was starting to suspect was fraudulent behavior. Chase refunded some of the charges, but there are still outstanding charges on my account. There were several phone calls with Chase when this first happened and I provided documentation via their online inbox system. Initially I didn't hear back but then was later told that they were not able to reach the merchant. Not that my claims were false but that they couldn't reach the merchant. I revisited the issue in XXXX as I was trying to get my finances in order and I gathered all of the documentation I had and sent it to Chase. They concluded their investigation by saying that because of the time that had lapsed the charges would remain. All of the documentation submitted then I will upload here for reference. I don't understand how I can be responsible for fraudulent and duplicate charges. Three different vendor names, all orchestrated by the same person was used to charge me the same amount over and over again. The data alone should show there is an issue regardless of lapsed time. I stopped using the card ages ago out of principal, because Chase is not protecting its consumers. I have essentially been paying interest on disputed charges for years because Chase won't address this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: JPMORGAN CHASE & CO.
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 status incorrect

Complaint:
Chase Auto Finance is reporting the same loan twice on my credit report. I have reported this to the credit bureau however Chase keeps verifying both accounts as valid. I have only had one Chase Auto finance loan but reporting the same loan twice with slightly different account numbers is not helping my credit. XXXX has listed one account # as XXXX and the other as account # XXXX. Chase Auto Finance needs to remove these duplicate records from my credit report but they are failing to do so even after I have asked XXXX to reinvestigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My bank accounts were levied XXXX XXXXXXXX by Persolve XXXX XXXX XXXX. 

I contacted the company and told them I was never sued and have no idea of the debt. They said they served me at an address I have not lived in for over 10 years and I was described as a XXXX XXXX XXXXXXXX woman in my XXXX I am XXXX XXXX XXXXXXXX. I told them they served someone else and they didnt care. 

They are suing me for an alleged credit card debt from XXXX, and they said the judgment was since XXXX. 

I have never received anything from this company, I have no collection record on my credit report, nor do I have any idea the debt they are collecting on. 

They have supplied me with no information on this, they said they would send me media in the mail, but my bank accounts have now been emptied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello. I requested a refund from my loan servicer EdFinancial Services for student loan payments made between XX/XX/XXXX and XX/XX/XXXX. The total is {$2800.00}. On XX/XX/XXXX I requested a refund for these payments. The issue is EdFinancial Services stated the refund would take XXXX business days. This timeline is extremely long and is an unreasonable time to wait for a refund on payments. I believe EdFinancial Services can easily refund this amount much quicker than XXXX business days. This is over XXXX months to wait for these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: CURO Intermediate Holdings
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
i seen on my credit report that there was a loan taken out under my name from rapid cash or speedy XXXX  for {$360.00} and i never opened the account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: CITIBANK, N.A.
State: MA
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: Problem getting your free annual credit report

Complaint:
I filled out an application for Macy 's Credit Card Macy 's sent me a letter back stating unable to approve application at this time. 
Reason was, no credit records returned from major reporting agencies. 
What would be the reason for not sending the Credit Report to Macy 's

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