BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-16
Company: JPMORGAN CHASE & CO.
State: MI
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:
On XX/XX/2018, at around XXXX XXXX, my debit card was used online at XXXX to purchase a XXXX XXXX Gaming Laptop for {$790.00}. The card number used for the order was stored on my XXXX online shopping account. The order was not placed by me, and was done so without my knowledge or consent. 

On XX/XX/2018, at around XXXX XXXX, I called XXXX customer service to report seeing the fraudulent transaction online. I notified the XXXX customer service representative that this was a fraudulent charge and requested the order be cancelled. The representative assured me that the order was then cancelled and advised me to change my password, which I did. I then called my bank, Chase, to report the unauthorized charge. Chase cancelled the card that was used for the transaction, and credited my account back the {$790.00} since it was reported as being fraudulent. 

On XX/XX/2018, I learned that XXXX denied the fraud claim filed by Chase. XXXX states the order was delivered, and was therefore not fraudulent. This caused a claim reversal charge of {$790.00} on my bank account. The order in question was not received by me. I then contacted XXXX  for more information regarding the alleged delivery. 

The XXXX  representative informed me that on XX/XX/2018, a XXXX employee called XXXX  to request a delivery change of address on the order. The person changed the delivery address from being my home address to a different address, somewhere in XXXX. I did not place this call nor did I have any XXXX representative call XXXX  on my behalf to edit the delivery address on this order. 

The data provided through the XXXX  tracking number confirms the item was delivered to the newly changed delivery address, at XXXX XXXX, on XX/XX/2018, and was left on the front porch. I has no affiliation with this address and therefore, did not receive the order. 

A representative from the XXXX claims department was on a recorded call with myself and a representative from Chase bank and stated that the charge was fraudulent and XXXX wrongfully denied it at first and would not dispute the claim again. The XXXX rep advised the Chase rep to go ahead and resubmit the fraud claim on the transaction, which would refund me. The Chase rep said since it was already submitted and deemed as " non-fraudulent '' they can't resubmit it, even though they have solid evidence and a police report stating it was indeed fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-20
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My payments made on my Consolidated Direct Student Loan issued in XX/XX/XXXX, are missing for the months XX/XX/XXXX through XXXX  XXXX, in the records of Mohela who now service my loan since the date I applied for Public Service Loan Forgiveness. 

Currently I am being denied forgiveness, befcause Mohela says i require 24 additional payments. The count of missing payments is 30, which would make me eligible for immediate forgiveness, under the current rules. 

The missing payments appear to correspond to the date my servicing was transferred from XXXX to XXXX in XX/XX/XXXX. All the missing payments were made to XXXX. Mohela has a record of payments prior to XX/XX/XXXX, on previous Consilidation loans ( each replaced the previous ) but the payments made before to XXXX on the last Consolidation have simply disappeared from Mohela 's payment count. ( though they did once reappear with a detail stating " no bill was issued ''. 

I am attempting to obtain bank statements from a former bank for that period proving payment, but it is very difficult because of how long ago these events occured. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Garcadia Financial LLC
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX and XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX. XXXX, XXXX, XX/XX/XXXX and XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX and XXXX. XXXX, XXXX, FOURSIGHT CAPITAL, LLC add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX and XXXX. XXXX, XXXX, FOURSIGHT CAPITAL, LLC add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

Account Name : XXXX Account XXXX Account Name : TARGET/TD Account 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 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 any 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 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 non-monetary relief
Consumer complaint received 2023-05-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2022, Wells Fargo closed all my accounts including checking, savings, and credit card. In addition, WF also made a cash advance in excess of {$10000.00} to cover the overdraft protection of the checking account.

The overdraft was caused by WF accepting a deposit of {$48000.00} and subsequent wire transfers that were made based on WF accepting such a high dollar amount without putting the deposit on hold for any time. The deposit was based on a checking account made from a bogus XXXX XXXX  account made in my name and without my permission by XXXX XXXX XXXX from XXXX. I wrongfully assumed that I was merely added as a user for the phony XXXX XXXX  account. As of this date, Wells Fargo has not taken any responsibility for accepting such a large deposit without first putting it on hold. In addition, WF is contacting me about a settlement of a chargeoff of {$38000.00} which is for the {$48000.00} minus {$10000.00} that WF took from my checking, savings account, and a cash advance from my WF credit card. 

Recently, I have accepted that I am a victim of a financial scam and have filed a report with the XXXX XXXX Police Department on XX/XX/XXXX, and am awaiting to be contacted by the detective in the financial fraud department. 

I also wrote a letter and sent it by USPO to XXXX XXXX, Financial Fraud Manager for WF. Any previous contact with WF has not been satisfactory to this very day.

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 2023-07-08
Company: Experian Information Solutions Inc.
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:
I recently reviewed my consumer report with Experian, XXXX XXXX, and XXXX. I noticed several items that were incorrectly being reported on my consumer file.There were several inaccuricies with XXXX XXXX Acct # XXXX. ( See Attached copy of consumer Report ). Across al three credit agencies with Experian, XXXX XXXX, and XXXX. 

On date reported XXXX XXXX Experian XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 Date Last Active XXXX XXXX  Experian XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 Date Last Payment XXXX XXXX Experian XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 Also, XXXX XXXX  violated my federal rights under FCRA 15 USC 6802. Obligations with respect to disclosure of personal information, Gramm-Leach-Bliley Act. There are certain requirements that are to be met, before a consumer personal information. Are to be disclosed the consumer under Norice Requirements must be meet. 

If the requiremens are not meet, the consumer rights are violated under FCRA `5 USC 6802. Under this section, of the law my rights have been violated by not following the Notice of Requirements by law. Therefore, I demand that this account be deleted under 15 USC 6802. 

( a ) Notice Requirements ; Except as otherwise provided in this subsection, ( a ) financial institution may not directly or through any affiliate disclose to a consumer non affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

I the consumer has a right to privacy, 15 usc 1691. In the disclosure of my personal information. I did not give you written permission or instructions to disclosure of my personal information. 

You XXXX XXXX  are in direct violation of 15 USC 6802, and 15 USC 1681b. Permissible purposes of consumer reports. In accordance with written instruction of the consumer to whom it relates, did I give you written instructions to furnish this on my consumer report, furthermore as it pertains to the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( 1 )..

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 2023-02-18
Company: D&A Services, LLC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2023 I received a text message from a family member stating that I needed to call XXXX XXXX at XXXX. This number is associated with D & A Services, a debt collection agency out of XXXX XXXX, IL. D & A Services is in violation of the Federal Fair Debt Collection Practices Act ( FDCPA ) for contacting someone other than myself regarding a debt I allegedly owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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:
Capital One has wrongly charged Late Fees and Interest. They have agreed that these charges are in error, but they refuse to revise my Statement. They insist that I must pay the false charges now, and that they will credit my account later. Forcing customers to advance money INTEREST FREE, so that they can reimburse it months later without interest must not be allowed. 
Background : Capital One recently assumed management and control of XXXX XXXX Visa credit cards. 
My most recent XXXX XXXX Statement ( attached ) indicated {$28.00} was due on XX/XX/18. 
This amount was paid on-time by XXXX XXXX XXXX XXXX. ( receipt attached ) .XXXX XXXX  has admitted that they have not completed importing all pertinent data, including my recent payment. This is still a work-in-progress, yet they have charged Late Fees, Interest on Purchases and have now suspended my card and associated " points. '' ( CapOne Statement attached ) Multiple calls to CapOne Customer Service have resulted in their recognizing their errors and crediting the Late Charge. They say it is too late to Credit the Interest Charge now, and it must be paid. 
I have no idea how many unsuspecting customers have been wrongly charged Fees and Interest because their payments have not been recognized. I feel that Capital One has violated numerous Banking and Accounting principles, and may have acted illegally. 
Capital One should never have rushed to charge customers Fees and Interest before they had imported all data and performed a careful reconciliation. Please investigate Capital One and take all necessary actions to see that customers are protected and that this never happens again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-22
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:
TO WHOM IT MAY CONCERN : In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have requested XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ) they are supposed to modify accounts if it isn't reporting correctly. Also. 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 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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: LA
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$2600.00} XXXX XXXX XXXX*Balance : {$14000.00} FST XXXX XXXX Balance : {$450.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XX/XX/2022 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 non-monetary relief
Consumer complaint received 2020-11-28
Company: EQUIFAX, INC.
State: PA
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 writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commissions ifentity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: VA
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:
To whom it may concern : The information you see above is my most current personal information per FCRA and Metro 2 compliance reporting standards. If what you have on file for me doesn't match what's listed, there are problems with either your records or those who provide them for verification purposes. My profile must be accurate and thorough in order to comply with FCRA and Metro 2 compliance regulations. You must furnish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-15
Company: Experian Information Solutions Inc.
State: IL
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:
In XX/XX/XXXX, I applied to the rate reduction program that XXXX  runs, where your interest rate is reduced. We scheduled payment transactions to be taken out of my account automatically every month. for the first 9 months I would pay around {$600.00} and for the final months I would pay closer to {$1200.00}. I was told that I was approved, but there was a clerical error and my account was never approved. I did not catch this mistake until XX/XX/XXXX. I had called them and filed a dispute. After talking with a manager, they realized that they had never pushed through my account to be approved even though the approval was in my account notes and log. They had been taking out the automatic payments even though they did not approve this account. After talking with the manager about this issue and they investigated it, I was approved for the program and was told that they would not report negatively to the credit bureau because it was a mistake on their part. I thought they followed through with this promise. However, checking my credit report today, they have reported negatively against me posting that I am 60 days past due. It has brought my credit score down from over 650 down to XXXX. I have been paying on time per the rate reduction contract. In the agreement, I was told that this would not impact my credit score. I plan on addressing this issue again this week with XXXX. They need to be held accountable for their agreements that they make. It is not ethical to tell a client that they will not negatively report you, but then turn around a negatively report you. I have already filed a dispute with the credit bureau XX/XX/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 2022-12-19
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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 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 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 XXXX XXXX XXXX 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 non-monetary relief