BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
Company: JPMORGAN CHASE & CO.
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:
On XXXX XXXX XXXX I was charged {$2100.00} on my Chase Card ending in XXXX from a merchant labeled as " XXXX. '' I did not recognize the charge and called Chase to initiate a dispute when I saw the charge. Ovever the past 18 months, Chase has refused to intiiate a dispute or explain to me why this is allegedly a valid charge. I have even had to contact the head of Chase, XXXX XXXX XXXX, about this issue. He has not responded to any of my emails. I have called the number on the back of my credit card numerous times and every agent has advised that they can not help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-14
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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2022-05-05
Company: Convergent Resources, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act Convergent  Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and 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 2023-07-31
Company: EdFinancial Services
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: Account information incorrect

Complaint:
Consistently receiving frightful messages from XXXX college in regards to a loan. In the last email received, the college stated that the last payment was back in XXXX  ( 11 years ago, see attached ). However, XXXX has since shuttered due to the borrower defense case ( Sweet vs Cardona ). According to the Department of Education, the student loans have been approved and balances will be erased ( see attachments ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: IL
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 XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions 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 explanation
Consumer complaint received 2023-02-16
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: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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 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 explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Upon checking my credit report i see that there are multiples inquiries, incorrect addresses and incorrect employers. I have contacted Transunion before telling them i was a victim of identity theft even sent in a identity theft police report and still nothing have been removed and was constantly told that they don't remove inquiries or addresses. That everything they have is verified but it is clearly not. I have called numerous of times and got told that there was nothing they can do but upon looking into this more they are in violation of many laws. Even after a account was resolve in my favor only thing that was did was a update saying that it couldn't be removed cause the company asked for it to only be updated as paid/closed how is that possible when i sent in the letter along with the police 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 2023-07-17
Company: Siggi LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
When I first joined the United States XXXX I received a loan from OMNI FINANCIAL they set up auto payments thru allotments, I was having pay issue which I wasnt getting paid so of course if I cant paid neither can they but this was due to finance department not on my behalf, I recently started checking my credit report and noticed they are reporting charged off account of {$3600.00} with a PAST DUR BALANCE OF {$7300.00} now if not mistaken a account can not be REPORTED PAST FOR IF ITS CHARGED OFF VIOLATION OF FCRA and XXXX .. also noticed that they violated another enforcement by recovering payments via allotment The Bureau is authorized to implement and enforce Federal consumer financial laws, including the Consumer Financial Protection Act of 2010 ( CFPA ), for the purpose of ensuring that all consumers have access to markets for financial products or services and that those markets are fair, transparent, and competitive. Among other things, the CFPA prohibits unfair, deceptive, and abusive acts and practices in connection with any transaction with a consumer for a consumer financial product or service, or the offering of a consumer financial product or service. 12 U.S.C. 5531, 5536 ( a ) ( 1 ) ( B ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: WELLS FARGO & COMPANY
State: LA
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: Other problem getting your report or credit score

Complaint:
Hi I'm Very upset this is Disturbing too I cant see my credit score since I've been home from XXXX all kinds Things Went On I Cant Do Anything I AM NOT DECEASED MY NAME IS XXXX XXXX XXXX MY Address is XXXX XXXX XXXX XXXX LA XXXX last XXXX of my ss XXXX birthday XXXX I Have No Knowledge Of These Address on my Report Besides XXXX XXXX XXXX XXXX LA XXXX Please reach Back out I need ANSWERS

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 2023-10-07
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Barclays Bank has an account still opened that I never was associated with. I never gave my consent to anyone to use my information to open this fraudulent account. Only I can determine what is fraudulent under law and this is account has never been associated with me.

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 2023-04-28
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:
Company 's response is that they gave me the summary of results on XXXX, XXXX. 
However, I received no invoice or summary of results and zero knowledge of this amount owed. There is no certified mail or evidence that I received such notice as surely I would have disputed immediately instead of this inaccurate charge hitting my credit report. 

I have no idea what this charge is for or who this company XXXX XXXX is. I do not owe this really high debt. They sent an invoice with zero explanation what this is and what it is for. I've had no business dealings with this company. This has caused me to be denied housing and causing me financial hardship. If this does not get removed asap I will have to seek legal action for all those involved. ACCOUNT : XXXX NAME : XXXX XXXX  AMOUNT : {$4800.00} In accordance with the Fair Credit Reporting Act, This account has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate. I have already submitted several letters sent via certified mail to resolve these inaccuracies and received no proof or help of these accounts should not be able to just say I owe money that I do not owe with zero evidence. If it was verified accurate, what method was used? Where is the evidence that it is accurate? This pro collect company just sent an invoice with no details. This needs to be removed off my account asap and I may now have to start a litigation case against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019, a Bank of America teller handed over almost {$3800.00} to a person impersonating me with a stolen drivers license. The criminal did not have my SSN or bank account number which is required by their procedures to access my account, however, they were still was able to take the money. The large amount to be withdrawn, and the out of state license should have heightened their scrutiny. Bank of America is not taking responsible of the fraud. 

Bank of America first denied claim with excuse the signatures matched. The stolen license has my signature on it, so it would be easy to defraud. It still does not comply with the addition information required to access my account. 

I disputed this resolution, and the second review came back with the excuse that I gave third party permission to my account. This is beyond ridiculous. 

The teller did not validate and follow appropriate security procedure to keep my account secure. My monies were note protected by Bank of America. 
My expectations are for Bank of America to approve this fraud case, reimburse the {$3800.00},

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 2023-02-16
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:
Dear Consumer Finance Protection Bureau, I am writing to file a complaint regarding inaccurate information on my credit report that is the result of identity theft. On XX/XX/2023, I submitted a dispute to all three major consumer credit reporting Agencies for the second time regarding this information. As of today 's date, I have not received a response from the credit reporting agency, even though they are required to investigate and respond to disputes within 30 days, as outlined in Section 605B of the Fair Credit Reporting Act ( FCRA ).

Furthermore, I believe that the credit reporting agency did not have written instructions from the creditor to report the information in the first place, and therefore the information is not only inaccurate but also should not have been reported. The credit reporting agency 's failure to properly investigate and correct or remove this inaccurate information is a violation of Section 611 ( a ) ( 5 ) ( A ) of the FCRA, which requires that the agency investigate and correct or remove inaccurate information within 30 days of receiving a dispute from a consumer.

In addition to the above violations, I believe that the credit reporting agency 's inaccurate reporting of my personal and financial information is also a violation of my right to privacy. The inaccurate information on my credit report has the potential to negatively impact my ability to obtain credit, housing, and employment, and could lead to further identity theft and fraud.

Furthermore, I believe that the credit reporting agency 's reporting of this fraudulent information is in and of itself an act of identity theft, as they are knowingly reporting false information about me to potential creditors, which can harm my creditworthiness and financial wellbeing.

Given that the credit reporting agency failed to respond to my initial dispute within 30 days, I am now filing a brief statement under Section 611 ( a ) ( 5 ) ( A ) that describes the nature of the dispute.

I am requesting that the credit reporting agency promptly investigate and correct or remove the inaccurate information from my credit report, as required by law. I am also requesting that the CFPB take appropriate action to ensure that the credit reporting agency complies with all provisions of the FCRA, including protecting my right to privacy and preventing the reporting of false information. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-08-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am a victim of identity theft and I deposited a check without knowledge the check was fraudulent. I applied for a Pell Grant in 2021. I was sent a follow-up email regarding my application. I entered my information on the application follow-up questions on XXXX XXXX XXXXXXXX. Afterwards, I received a check in the postal mail. The letter was mailed to me with a check stating I qualified for the Pell Grant in the amount of {$3300.00}. Since I am a minor, I openend a joint account at Chase Bank with my parents in order for me to deposit the my check. After I opened the bank account, I deposited the {$3300.00} Pell Grant check on XX/XX/2021 and on XX/XX/XXXX, the {$3300.00} check bounced due to insufficient funds. Chase Bank 's fraud department flagged this as a fraudulent activity against me and has now black listed me as a criminal, placed a bad credit report in my name and closed my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
all have a credit lock on my account so I don't know how did all of this inquiries or on my 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 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 explanation
Consumer complaint received 2023-04-12
Company: CORELOGIC 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: Information belongs to someone else

Complaint:
Corelogic Credco reported a erroneous account and much lower credit score than XXXX credit bureau is teporting when XXXX XXXX XXXX XXXX had Credco provide my XXXX credit they provided different information on behalf of 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