BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
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:
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 : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
10. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
11. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
12. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit 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 2020-06-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I deposited {$2000.00} cash in the ATM. ( 20 X {$100.00} ). The machine printed a receipt to call the bank to make sure my deposit went through, No $ amount on the receipt. I went in to the bank and talked to the account manager, he knows I put in {$2000.00}. 

They gave me a provisional credit for the {$2000.00}. They later sent a letter saying after their investigation I owe them {$880.00}. I don't owe them anything. I have been banking with them for 30 years. They won't let me know what the investigated. 

I can prove I took the money out of a XXXX account the same day to move to my Chase account to pay my house payment, Claim # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions 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:
This was not sent in error I am a consumer by law and my information was misused. This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was reviewing past mortgage statements and came across a charge of {$45.00} added to my bill for a property condition inspection report. No one came to my home and presented to me as an inspector or for an inspection of the property. I am not behind on my mortgage, nor did I owe any late fees. My home is in good repair and the yard is kept trimmed, all utilities are on and those bills are up to date. 
I think this is just a scam charge added to my bill for the purpose to make money off of fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX XXXX XXXX ( 3 in total ) show late payments that were not late. I was told they could not fix them and I needed to file a complaint. The CU stated that when the complaint came in they would ignore it and the bureaus would remove the late payments.

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 2018-08-07
Company: Collection Bureau of America Ltd.
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: Information belongs to someone else

Complaint:
I am being fraudulently charged for a stolen water cooler by XXXX and Collection Bureau of America. The item in question was reported stolen when I learned it had not been collected by XXXX driver ( XX/XX/XXXX ) even thought I moved in XX/XX/XXXX. XXXX told me they would remove the charge ( XXXX was the representative 's name ) at the same time I reported the people who bought my home were illegally using our account. I provided proof that we had moved. I cancelled my account online, and left the cooler outside with our empty bottles the day we moved in XX/XX/XXXX. I disputed this with XXXX in XX/XX/XXXX and the response was simply that this account belongs to me. I should not be charged for an item that was stolen after we no longer owned or occupied the home and was left to be collected by XXXX with other items.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
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: Account information incorrect

Complaint:
Hello, XXXX XXXX reported to Transunion, XXXX, and XXXX that I was 90 days late in my payments in XX/XX/XXXX and 120 days late in XX/XX/XXXX. As evidenced by attached documentation, I was utilizing a general forbearance and my payments were XXXX dollars for the period of XX/XX/XXXX - XX/XX/XXXX. Since there was no payment due for this time period, XXXX XXXX falsely reported late payments.

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 2022-07-14
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: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im begin taken advantage of and begin ignored if my disputes. Section 611 ( a ). It its plainly stated that a failure to investigate those items within 30 days gives reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person

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 2022-08-15
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, I'm filing this complaint with the Credit Bureaus because I believe the account below that is posted on my consumer report is a fraudulent account. I have no recollection of opening an account with XXXX XXXX XX/XX/XXXX. I tried disputing this with them to get more information on this account but they did not disclose any information to me. The account number is below. 

XXXX XXXX XXXX  - acct # XXXX I've filed an identity theft report with the FTC and that report is attached below. I ask that this information be removed from my consumer report immediately because it is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: DE
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:
Around XX/XX/XXXX I received a notification from Experian that my credit score had dropped 20pts. As I looked to investigate the cause. I noticed an alerted stating a New late payment within the last 60days had been reported. I looked a little further to see from which agency it came from, as I know None of my payments are late, and it seems to be reported from an acct that was charged off a few yrs bck which does not have a monthly payment requirement. I then screenshot all of proof and filed a dispute. Only to get a response that the agency reported correctly. I am very upset with the decision as I dont think it was fair at a time like now to inaccurately drop my score 20pts for a late payment that did not occur.

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 2022-07-14
Company: Block, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was admitted into XXXX. XXXX XXXX, locked psych ward on XX/XX/2022 and discharged XX/XX/2022. My cell phone and bag with wallet were left at my house, they're prohibited on unit. When I returned home on XX/XX/XXXX, I discovered all my personal info compromised. My cash app debit card was taken with other cards and my phone had been used to aid in stealing my money. 
I immediately contacted cash app to notify them of fraud and limit my losses. Through the app chat service they explained dispute process which I followed. In total there were 16 fraudulent charges using my cash app card during my hospital stay, totalling {$790.00}. They only credited five transactions for {$250.00} total, owing me {$530.00}. Cash App has since closed my account using a ficticious made up transaction to justify it, saying I've went against their " Terms of Service ''. I've requested the documents used in investigation several times and can't get them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: CITIBANK, N.A.
State: IL
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:
XXXX XXXX XXXX XXXX IL {$100.00} I have been trying to work with Macys for months they took it off closed my card and gave me a new card. Can you please help me as they are charging me late charges and intrest and they are reporting me to the credit bureau

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 2022-07-14
Company: CITIBANK, N.A.
State: KY
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:
XXXX XXXX XXXX Best Buy XX/XX/2021 I did not authorize these inquiries and did not apply for these cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-28
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My private information such as social security number to obtain another lease. I turned in my old lease in XXXX and and took out another which is listed already, but as of yesterday a new account has shown up in my credit. XXXX Honda finance is committing fraud with my SSN

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act. The following accounts XXXX, XXXX, XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: JPMORGAN CHASE & CO.
State: MI
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 have a Chase credit card, and have it for 8+ years. I always pay my statement balance in full, and therefore am never charged interest. However, this past month, I did not pay my full statement balance. This left a difference of {$140.00} subject to interest charges. However, on the following month 's bill, my statement said {$820.00} was subject to interest charging. 

I called Chase to get an explanation. They could not provide an explanation, but credited my account for the full amount of interest I was charged. This makes me worry that Chase -- a large financial institution with a history of deception practices -- may be overcharging consumers. I consider my knowledge of finances to be above-average. But I fear that the typical consumer would not raise any issue, and then be overcharged for interest they should not be paying. 

I would appreciate someone investigating this potential abusive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: CAINE & WEINER COMPANY, INC.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a written request over 2 months ago when this account first appeared on my credit report. I asked for verification of debt and inq why I never received anything in writing. They then removed it from my credit report and then today it is back on there.. But they still have not sent me any proof or verification of this debt. I just want what I have asked for multiple times in writing, since I know that is my right as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
About a month ago, early XXXX XXXX, XXXX XXXX started reporting to the credit bureaus that I owed {$51000.00}. I immediately contacted them, could not get a human on the phone, and never did receive proof that I owe them money. 

They have never contacted me personally -- ever. 

I ended up contacting the Credit Bureaus. They were able to see it was for a student loan from XXXX. I graduated school in XXXX. We placed a identity theft alert on my accounts. I 've had all the company start researching this account. 

Since then, every week the company raises the amount I owe by $ XXXX {$30.00}. It 's very arbitrary. I still can not get a person on the phone.

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 2017-09-07
Company: WELLS FARGO & COMPANY
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a validation of debt to Wells Fargo about my auto loan that was charge off I was inquiring about the amount and etc. Wells fargo recieve the valdation letter XX/XX/XXXX on XX/XX/XXXX I recieve a letter stating they will get in contact with me nothing validating the debt so I sent a second valdation on XX/XX/XXXX letter giving them 5 business days to valdate the debt the receive the letter XX/XX/XXXX. It is pass the 5 bussines days so I ask them to remove the debt of my credit which they fail to do

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 2022-07-14
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was trying to sell a loveseat online someone contacted me regarding buying it and they said that they used zelle. I XXXX gave them my email account and we went back and forth a few times. They sent me an email saying the money that they were trying to send wasnt working and sent a screenshot. They said to check my email. I got an email from XXXX stating that the buyer needed to send me {$300.00} and {$200.00} on top of that to make sure it goes through. The buyer sent me a screenshot of the supposed {$300.00} and {$200.00}. They then sent me an email stating that I would send the {$200.00} back to the buyer. This kept on happening and I sent them two payments of {$200.00}. They had me send it to the following emails : XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: MI
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:
This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.

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 2022-12-17
Company: Debt Co LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt on my account of {$9100.00}, it just listed on my account with no other information than the agency name, the date assigned, the original balance, current balance ( which are the same )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX  posted a {$310.00} debt to my credit report. I have disputed with collection company and they still posted to report. By law I have a right to dispute debt within 30 days of receiving letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Special Financing Company, LLC
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:
special finance comp XXXX XXXX I have disputed with creditor and have not authorized such transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation