BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
FTC The incident took place on XX/XX/2023. I discovered that my wallet was stolen. Immediately afterwards, I became involved in identity theft. Here is a brief timeline of what took place. Attached please find supporting documents. 


XX/XX/2023 - reported missing wallet. 

Missing Items : ( XXXX cards ) XXXX Debit card, XXXX Credit card, Drivers license and XXXX - XXXX XXXX XXXX card, designer wallet. 

XX/XX/2023 XXXX XXXX XXXX  An UNAUTHORIZED Transaction was made in the amount of {$13.00} in XXXX XXXX ( See attached statement ). I called Chase and Chase credited my account for {$13.00}. 

XX/XX/2023 - Called Chase and reported the following to the FRAUD department. 

An UNAUTHORIZED wire transfer that I did not make for {$10000.00} An UNAUTHORIZED wire transfer that I did not make for {$2500.00} Chase CREDITED my account for {$10000.00} ( see XXXX. stmt. ) Chase did not RETURN {$2500.00} to my account as of today. 

XX/XX/2023 - I am working with XXXX XXXX XXXX to resolve these matters. 

Chase accused me of being the thief instead of supporting me as a victim. I have not recovered {$2500.00} to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX XXXXXXXX, CAPITAL ONE XXXX XXXX XXXX XXXX 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, payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX, the mortgage note I Signed and prepared by the bank stats clearly as you can see in the attached document that XXXX  should be removed automatically on XX/XX/2021, contacted WellsFargo and they still charged me XXXX  for XXXX, XXXX, XXXX, and it is still there for XXXX payment

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 2023-08-25
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I deposited {$20000.00} USD via wire transfer on XX/XX/2023. I was not required to provide any further verification documents and the money was available in my Gemini account two days later on XX/XX/XXXX. I was charged {$99.00} to convert {$5000.00} to XXXX and immediately after converting, I was told that my account was restricted from actually using the money I just converted in XXXX. After several days of constant requests for my verification documents and me submitting every document required I was informed that my account was closed without explanation and I will need to withdraw my money. Not only will they refuse to return the {$99.00} fee that I was charged for absolutely no service, but they are also trying to charge me another {$72.00} in order to withdraw the remaining {$5000.00} in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: LA
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:
I have about XXXX different hard inquiries that I did not approve. At one time I was shopping for a vehicle and already had my approval from one company and the car dealership still sent my information to numerous companies that pulled my credit without my authorization. Just today Ive seen several hard inquiries that were supposed to be soft inquiries on pre-qualifications of credit cards. I contacted Experian and they told me that they couldnt help me that I needed to contact each one of those inquiries personally to get them off my bureau. They said that was their policy even though that was against FCRA regulations. The girl told me then that no use of arguing with her that they are going to do it their way. Some of the inquiries were the same company within a day or two apart.

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 2022-05-25
Company: Experian Information Solutions Inc.
State: NY
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 XXXX account # 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

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 2023-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
Only on my XXXX credit file, it shows I have a late payment for a Capital One card ending in XXXX that I have closed and I know I made a final payment before it closed. The late payment only shows on my XXXX and not my XXXX or XXXX credit report. I do not believe this is fair because I have never had a 30 day late payment on any of my credit accounts. I have dispute the results with XXXX and they have told me that the missed payment is correct even though it is not. After that I have called Capital One customer support and they have confirmed with me that a payment has been recieved. I was then informed to send a letter to Capital One which I have and received a letter stating that the missed payment is still accurate. I don't know what my options are now to get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Lending Club Corp
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was laid off and I tried to contact Lending Club by phone but could never reach them I email them and they never responded. Then collection companies started calling me at all times of the day and night they kept asking for my personal information and I never heard of these companies. I have sent them some funds and emailed lending club too see if they could reduce loan. Lending club never responds. I have not received any mail only phone calls from companies that want my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Received a text from XXXX that reads as follows : " BOfA : Dear customer, your online account has been compromised, useXXXX XXXX XXXXXXXX to secure access '' Have little doubt it's a scam as I don't even have a Bank of America account .

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 2023-03-21
Company: Experian Information Solutions Inc.
State: MN
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:
on XX/XX/2023 The credit bureaus stated XXXX XXXX account # XXXX was properly investigation but how is that possible if im the original creditor and on XX/XX/2023 i sent a verification form certificated mail number # XXXX with instruction and they were not completed there for all these soft pull hard pull and names address that you have on my report are to be removed imditily this is also volition my rights under 15 u.s.c 1681 section 604 A section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions i haven't given these accounts written permission to furnish these accounts on my credit report as well XXXX dollar fines are to be sent to me and company held a countabule for their actions thank you XXXX  XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  XXXX XXXX account # XXXX, XXXX XXXX  XXXX XXXX account # 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.

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 2021-10-04
Company: CITIBANK, N.A.
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:
Theres a credit card from Citibank on my report that does NOT belong to 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 2023-03-21
Company: Experian Information Solutions Inc.
State: NC
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 explanation
Consumer complaint received 2022-12-04
Company: Self Financial 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: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX XXXX, XXXX XXXX XXXX Self Financial Inc/ LEA, 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, payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: EQUIFAX, INC.
State: NC
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 AN IMMEDIATE DEMAND TO REMOVE ALL DISPUTED INACCURATE ACCOUNT, ADDRESS AND ANY INFORMATION BEARING MY NAME THAT DOES NOT AND HAS NEVER BEEN ASSOCIATED WITH ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an credit alert that I had a collection for a Cable bill for an apartment that I do not live in or know anything about. I called the company and told them that this was identity fraud because I do not live at that residence. They said they would make a report. I then contacted XXXX to dispute it and the dispute came back that I still owed the balance by the collection company : FRANKLIN COLLECTION SERVICES XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent information from my consumer report and from there internal data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I decided to take advantage of low interest rates and re-fi our existing 30 year term loan with PNC to a 15 year term loan and locked in on a 2.75 % rate loan. This is a rental property. It was mentioned at the start that we could expect a closing in XXXX or early XXXX. 

We have provided all documents requested and PNC keeps asking for more updated information, including credit checks, which reduce our score each time. 

We feel that PNC is slow-walking us since there is no incentive for them to reduce their income from us. 

We incurred appraisal fee of {$680.00} at the start which appraisal has now expired. 

What recourse do we have? 
Thanks, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

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 XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: NC
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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 2023-06-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I experienced fraud and a security breach at Chase Bank. Fraudsters has breached Chases customer service phone number and managed to access my online banking credentials. They tried to wire transfer $ XXXX ( my entire bank balance multiple times ) over the course of two months. 

B/c I've been banking with them for XXXX years, I tried to work with them in changing my debit card info, also closing my older checking account, but Chase has been unable to stop the repeated attempts. I was told Friday XX/XX/XXXX, that their customer service system was breached. It took two months for them to disclose this information to me. 

I finally closed my checking account, changed my cell phone number ( got a number cell number form a different carrie ) and I am now getting Chase customer fraud care calls on my number cell number and text on this new number. I did not give this number out to anyone, my husband doesn't even know this new number. However, this morning I received a call from " Chase customer service '' and a Chase mobile number asking me whether I authorized a charge and asking for verification. I gave Chase the local bank branch my new cell number. 

This has been a two plus month ordeal and Chase is not telling the public or anyone about the breach. This seems really irresponsible and not ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XX/XX/2018 I notified XXXX that there were inaccurate and/or erroneous items listed on my credit report. I received a computer generated response on XX/XX/2018 headed " Important Information ''. Moreover, the responds letter never answered my complaint or inquiry. 

I sent a second request on XX/XX/2018 restating my complaint or inquiry of the inaccurate and/or erroneous items. On XX/XX/2018 I received a response heading again " Important Information ''. In addition, to being nonresponsive to my complaint of inaccurate and/or erroneous items listed on my credit report. XXXX mailed me a " dispute results '' letter stating all companies have responded and they have verified the accuracy plus they have updated their files. 

In retaliation for filing the complaint I've received numerous collection letters from collection agencies, stating they own the debt and are demanding the inaccurate or erroneous debt that I never had with them or whom they bought the debt from. I believe these retaliatory actions to be criminal and a direct threat to the laws as they are written for consumers called the Fair Credit Reporting Act. 

XXXX has not done their due diligence with regards to my credit profile and it has cost me employment harm, financial harm and emotional stress.

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 2023-10-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of inquiry XX/XX/2022, XXXX XXXX Date of inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX  Date of Inquiry XX/XX/2022 & XXXX  Date of Inquiry XX/XX/2022

Company response to consumer: In progress