BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
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:
CHASE DEBIT CARD Denied XXXX unauthorized charges on my card : {$42.00} twice on same day. 
XXXX was stolen and replaced by XXXX. They first issued XXXX credits and then charged them back without any reason other than they were authorized. They were not. 
I gave them the name of the person I am sure did it ... and other unauthorized charges on other bank cards. 
I spoke with a branch rep and he said he would re-submit my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
I just looked at my consumer reports and noticed a collection on an account that is not mind. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. 

I have never had this account and did not provide written consent to report the account : BK OF AMER : [ XXXX ] & [ XXXX ] Please investigate and provide proof with statements showing that this collection is mine and proof that I authorized the reporting of this information. If proof can not be provided I demand these collection accounts be removed 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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate 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 2023-12-14
Company: T.S. Holdings
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I entered into an agreement with the plaintiff that would draft a payment out of my account once a month for the amount they are saying I owe. Shortly after this agreement I was served with papers that were a statement of claim. I filed an answer to the magistrate court stating that I have had a once a month deduction come out of my account to pay the debt they say I owe and I showed proof. I have now received a letter saying that I must go to court in XXXX or I will have a judgement against me. I have been trying to email and call these people since XXXX. I want this case dismissed because I am already paying and they draft the amount out of my account each month. I cant miss a day of work for this. I think they are not answering or responding because they want me to not show up and it be a judgment against me. They are sneaky and have been no help to me. When I have called I just get transferred to people that cant help me because they say its a legal matter. The court says that they will not dismiss the case unless they hear back from the plaintiff as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, 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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-05-02
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
For XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I paid the minimum payment that was stated on my Billing but was told that I was 30 days late because I didn't pay my full payment amount. Previously I had paid way more than my payment amount so when the statement came for the listed months, it showed a reduced amount which I paid the reduced amount listed on my Statement. I explained this to customer service but they still would not remove the 30 day late charges that were put on my credit report. For XX/XX/XXXX, I have received a 30 day late to my credit report. I made my payment on time and also paid more than my payment amount for 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 non-monetary relief
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the following bankruptcy that needs to be removed in my file : XXXX XXXX  Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX  Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX XXXX XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Request for Removal of Incorrect Collection Account from TransUnion under 15 USC 1681 Dear CFPB, I am writing to formally request the removal of an inaccurate collection account from my credit report, specifically with TransUnion. The collection account in question is associated with XXXX XXXX XXXX XXXX XXXX XXXX, and I can confidently assert that this account does not belong to me. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, consumers are granted the right to dispute and request the removal of any erroneous or inaccurate information from their credit reports. As such, I kindly request your assistance in addressing this matter promptly. 

The reasons for my request are as follows : 1. Lack of Ownership : I have conducted a thorough review of my financial records and found no evidence of any dealings or transactions with XXXX XXXX XXXX XXXX XXXX XXXX. As a result, it is clear that this collection account does not pertain to me. 

2. Absence of Verification : In accordance with the FCRA, I have the right to request validation of the debt. However, I have not received any communication from XXXX XXXX XXXX XXXXXXXX XXXX XXXX providing proof of the debt 's validity or any supporting documentation. 

3. Documentation : I have attached copies of my TransUnion credit report to this request, highlighting the presence of the inaccurate collection account associated with XXXX XXXX XXXX XXXX XXXX XXXX. 

Given the aforementioned grounds, I kindly request that you conduct a thorough investigation into this matter as per your authority under the FCRA. I request the immediate removal of the collection account from my TransUnion credit report, as its presence is unjustly impacting my creditworthiness and overall financial standing. Additionally, I would appreciate confirmation of the removal once the investigation is concluded. 

I am confident that with your intervention, this issue can be resolved in a fair and timely manner. I sincerely appreciate your attention to this matter and anticipate a prompt response. 

Thank you for your assistance.

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 2023-12-18
Company: EQUIFAX, 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 XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: WELLS FARGO & COMPANY
State: NY
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 Saturday morning ( around XXXX ) XX/XX/2023, my phone and wallet were stolen. Despite following the basic procedures such as putting my iphone on lost mode and calling my banks to cancel all my cards, the thief hacked my phone and somehow learned my passcode number allowing them to access any login info my phone passcode was associated with. Login info such as my online Wells Fargo account. Once they accessed my Wells Fargo account, the thief adds his XXXX phone number to my contacts sending himself whatever money I had left in my checkings account which was about {$1200.00}. That wasnt enough so they went to my wells fargo credit card account and advanced {$6700.00} from my credit card to my checking account and sent the money to the NEW XXXX account in fragments. First it was {$5000.00}, then {$1000.00}, and then {$700.00}. The cash advance fees amounted to {$330.00}. The thief also purchased XXXX with the stolen credit card. Despite the charges taking place within minutes and the XXXX number never existing in my contacts, Wells Fargo did not automatically put a freeze on the account. In fact, whats strange is that Wells Fargo puts a daily limit in how much money you can send through XXXX if the contact is new. Usually the limit you can send to one newly confirmed contact is around {$1000.00} or {$500.00}. YET. SOMEHOW that limit did not exist in this case and one Wells Fargo employee ( over the phone ) told me that the thief mustve broke through that limit somehow. So, I was told that I would be taken care of and would not be responsible for the charges. Today, XX/XX/XXXX, I was notified that my claim was denied because my account login was safely authorized when the transactions occurred. Despite reminding Wells Fargo that the thief stole my iphone and managed to hack it, allowing them to access any passwords associated with my XXXX keychain. They refused to reopen the claim. I was told I needed more evidence despite the police report I filed in the same moment, the fraudulent credit/debit card charges, the painfully obvious money transfers that should not have occurred, the new XXXX contact that was added after my phone was stolen, my other bank fraudulent charges, XXXX reporting my phone stolen and so forth.

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 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2020-01-30
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
As of XX/XX/2019, I received a collection notification on my credit report from a company I have never had ties with and do not recognize for the amount of {$62.00}.

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 2023-12-18
Company: EQUIFAX, INC.
State: FL
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, account XXXX XXXX  ( Number XXXX, Reference # XXXX ) has violated my rights. 

I am writing to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by the Agencies ( XXXX, XXXX EQUIFAX ), account number XXXX Reference # XXXX company XXXX XXXX XXXX ( XXXX ) and the original creditor XXXX XXXX XXXX. As of XX/XX/, the reported amount owed is {$3000.00} and the status is listed as a collection account. 

Under the FCRA, my rights to privacy and control over the presentation of my credit information are clearly described and protected. Specifically, I would like to draw attention to two sections of the FCRA that have been violated : 1. 15 USC 1681 Section 602 ( a ) - Right to Privacy : This section explicitly states my right to privacy regarding the information contained in my credit reports. It protects against unauthorized disclosure of my personal financial data and emphasizes the importance of maintaining the confidentiality of this information. 

2. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Written instructions requirement : This section requires that a consumer reporting agency, such as XXXX, can not provide information about my account without my explicit written instructions. This provision underscores the importance of obtaining my written consent before disclosing any account-related data. 

Despite the clear provisions of the FCRA, XXXX has failed to comply with these requirements, resulting in a violation of my rights. They have disclosed information related to my account ( XXXX Reference # XXXX company XXXX XXXX XXXX ( XXXX ) and the original creditor XXXX XXXX XXXX ) ; without obtaining my written consent, thereby violating my privacy and control over my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: CA
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 2023-09-14
Company: EQUIFAX, INC.
State: GA
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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Someone using my information applied for a XXXX XXXX XXXX card without my consent and also had a hard inquiry on my credit report. 
This was a fraudulent application

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire and through an intermediary named XXXX and through beneficiary banks XXXX XXXX XXXX and XXXX XXXXXXXX XXXX in the total amount of XXXX USD utilizing their services.

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