BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-07
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Friday XX/XX/XXXX at XXXXXXXX XXXX I received a test that someone was trying to charge my account for {$360.00} at XXXX 's. It stated " XXXX XXXX XXXX suspicious activity. Did you attempt? Reply yes or no. To opt out of reply stop ''. I text back " NO ''. I then received a phone call from a man claiming to be from Chase asking me about this transaction. He told me to sign on and check my account. He knew my username and needed my password to get into my account. I signed on with my password and saw that my savings account had been emptied and all the money was in my checking account. He told me that I needed to do a transfer to get the money back into my savings account. He walked me through a wire transfer ( {$4100.00} ), my name appeared on the transfer, so I thought it was okay because saw my name, I immediately contacted Chase and was told that I needed to send a secured message to them. I could not get t '' been transferred around to 3 different people and no one could help me to get signed on to send a secure message. I was told to try back in an hour! In the mean time, they money was transferred to something called " XXXX XXXX XXXX ''. I had hoped to stop this transfer, but it was too late. I finally got signed in and sent a secured message to which i received a response that they received my message.

's THe scammer was very familiar with the Chase screens. I have XXXX XXXX XXXX and needed this money to pay for XXXX XXXX  I told chase this the XXXX  time I called them and that is why I needed to speak with someone right away who could stop the transaction. I was again that this was understood, but there was no one who could stop the transaction available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-07
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: Their investigation did not fix an error on your report

Complaint:
I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX ). Because the high balance, date of last activity, and payment history being reported by your company, XXXX, and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account 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 explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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 and Complaint against " XXXX XXXX XXXX XXXXXXXX " ( a fictitious name used by XXXX XXXX XXXX XXXX and XXXX XXXX as a cover up ) and Bank of America, an XXXX XXXX  who operates massive Ponzi Scheme via sham conduits - XXXX XXXX and XXXX companies who collect all my money and who forged documents to steal my home. 

On XX/XX/XXXX " XXXX  '' ( dba XXXX, aka XXXX XXXX ) provided evasive and full of lies respond to CFPB saying that " XXXX  '' was a Servicer for my alleged " loan '' who purportedly " processed '' my payments, charges and advances while " XXXX  '' was a " Serviver '' of my " loan ''. 

First, XXXX never was a Servicer of my alleged " loan ''. The REAL servicer was XXXX XXXX, XXXX ( former XXXX XXXX XXXX XXXX XXXX ) who acted under instructions from XXXX XXXX  who used XXXX XXXX XXXX XXXX, XXXX  as an intermediary. 

XXXX XXXX XXXX XXXX used name of " XXXX " as a cover up. 

Second, XXXX  [ read : XXXX ] never collected or processed any of my payments. It was done by XXXX XXXX XXXX who collected all my money and deposited them with Bank of America. If XXXX did it- and it was admitted in writing, then XXXX did not do it. 

" XXXX  '' [ read : XXXX ] claimed that the servicing RIGHTS [ not actual servicing activitirs ] were transferred from faux " servicer '' Caliber [ read : XXXX XXXX XXXX XXXX ( whose address is XXXX XXXX XXXX XXXX XXXX, XXXX TX ) were " transferred '' to fictitious corporation XXXX XXXX XXXX XXXX XXXX, a single member XXXX incorporated by XXXX XXXX as a cover up for XXXX, XXXX XXXX XXXX XXXX  and XXXX  are both reformed XXXX  XXXX, " accrued '' by Bank of America in XXXX and restructures into a chain of faux companies who play roles of " servicers '' - without any servicing activities.. 

" XXXX  " claimed that they provided " legit documents '' realted to my " ; loans '' such as forged XXXX  from faux " lender '' XXXX XXXX XXXX  " XXXX  '' on XX/XX/XXXX ( which " XXXX  '' refuse to admit ) ; and undated forged XXXX  where " XXXX  '' " transferred '' to someone " loan '' which belonged to " XXXX '' according to " XXXX  '' 's own words I demand disclosures based on which authority " XXXX  '' prepared undated XXXX  where they transferred XXXX '' 's loan. 

I demand disclosures when this XXXX  was prepared, and to WHOM " XXXX  " transferred this XXXX  I demand disclosures WHOM " XXXX  '' was servicing all this time if XXXX has no records of XXXX XXXX servicing, proven by XXXX official responses I demand disclosures WHO authorized transfer of " Servicing rights '' from faux Servicer " XXXX  '' [ XXXX XXXX ] to faux corporation XXXX XXXX XXXX XXXX XXXX, and the name of an individual employee at XXXX  [ XXXX XXXX who approved this transfer

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 2023-05-04
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: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2022-02-18
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I contacted Experian about false and fraudulent addresses reported on my Credit report. Once by certified mail in XX/XX/XXXX. On 3 different occasions by phone on XX/XX/XXXX, XXXX, and XXXX, XXXX for the misleading information to be deleted from my profile. Experian has yet to delete the information requested. Therefore, I am moving forward with filing a complaint due to difficulty with communication.

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 2023-08-24
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX  account name XXXX consumer acct number # XXXX XXXX XXXX XXXX acct number # XXXX has violated my rights. 
15 USC SECTION 602 states i have the right to privacy.

15 usc 1681 section604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written instructions.

15 usc 1666b : a creditor mat not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: BBVA FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BBVA USA owned Simple Bank. On Friday evening ( XX/XX/2021 ) BBVA USA converted Simple users to BBVA, however, the conversion went horribly wrong. Thousands, if not all, Simple customers, including me, were locked out of their accounts and unable to complete the conversion and set up access to BBVA. 

Thus far, BBVA has sent out no emails to their customers about the problems and what they are doing to correct them. The only means of communication they are using, that I'm aware of, is XXXX. 

Although they have extended their support hours it is still almost impossible to contact them. I have been trying since last Saturday and at some point, each of those calls was disconnected. 

BBVA states that all pre-set transactions are still working and that the Simple debit cards still work at their network of ATMs. However, the only ATM within a reasonable distance of my house is out of order, so I will have to drive miles to an ATM to check my balance and see if any deposits have arrived in my account. 

BBVA 's response to this fiasco has been woefully inadequate. 5 days in and most customers are still without access to their accounts and their customer support systems are still not up to the job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is my second 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-08-24
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: Their investigation did not fix an error on your report

Complaint:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 2023-03-01
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: 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 XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$940.00}

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 non-monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: MI
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:
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 name : # XXXX, Account name : # XXXX, Account name : # 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: NV
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:
The following information does not belong to me. I demand immediate removal and future reporting blocked from my report. This information is not mine and needs to be deleted from my report 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 explanation
Consumer complaint received 2023-02-27
Company: CITIBANK, N.A.
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:
Macy 's reported a late payment to Credit Bureau even though I've been on auto-pay for the post 10yrs+. 

Called multiple time and getting the run-around.

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 2023-11-11
Company: MOHELA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/XXXX this year I noticed that for one of my federal direct loans, the principal balance Mohela is basing the minimum payment off of is the balance that loan had in XX/XX/XXXX. That balance was {$19000.00}. I've made several payments on that loan since XX/XX/XXXX, so I asked Mohela why the minimum payment was being calculated on an old & inaccurate principal balance. The rep I spoke with on XX/XX/XXXX said they had no idea. I decided to give it a couple weeks to see if things might update. When it didn't, I sent a message on Mohela 's website on XX/XX/XXXX asking the same question. I received an automated response XX/XX/XXXX saying they were delayed in correspondence response. Today, XX/XX/XXXX, I got a message saying my question is too complicated to answer via messages and that I'd need to call and talk with a rep. I did. The rep told me they have no idea how to answer my question or why the principal balance used for calculating minimum payments is not updating, 11 months later. 

Because of this issue, I cancelled my auto debit setup, because Mohela would have been pulling the wrong amount. This means I can not benefit from the .25 % interest rate reduction offered by Mohela if you participate in auto-debit. 

Mohela 's staff needs to be trained to understand their system and answer questions such as this. It's egregious to have a loan servicer not be able to provide information about something that is directly impacting borrowers ' required payments. 

Secondly : I applied for the SAVE plan and it's been several weeks with no update on processing that request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: NY
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 one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Please delete the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these inquiries 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 explanation
Consumer complaint received 2023-03-19
Company: Waypoint Resource Group, 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: Old information reappears or never goes away

Complaint:
I have paid this account off in full. I have also reached out to the original account holder XXXX and sent proof of pay off to them. I was able to pay off the account and open a completely new account now They are refusing to remove the account from my credit.

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 2023-10-31
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting 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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: CA
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:
Continue to fight all identity theft inquiries.

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