BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: JPMORGAN CHASE & CO.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX we wired money ( {$21000.00} ) to JP Morgan Chase Bank to pay a subcontractor that did work on a project in XXXX XXXXXXXX. The next day we found out that the money was never received. Our subcontractor provided us their banking information through email and found out after the fact that the routing number was correct, but the account number was incorrect. Through the email there was fraud. The subcontractor immediately contacted us about the fraud and requested a reversal of funds, since it was sent to the wrong account number. We were informed that JP Morgan Chase didn't take the proper steps matching the wire transfer to XXXX XXXX XXXX XXXX information and JP Morgan Chase admitted they did not take the proper steps in matching the wire information ie. Name of company and address to proper account. My complaint is JP Morgan Chase was negligent and is responsible for the wire fraud. Chase is responsible for the request reversal, so we get our money back to pay the Subcontractor ( XXXX XXXX ) in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: AR
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 am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open account. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. Kindly help me correct this account : 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 2023-03-18
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Were currently reviewing your account- we may reduce your credit limit. 







What this means As a responsible lender, were always monitoring our Card Members accounts. Based on what we know about your payment history and current debt with American Express, as well as your credit scores and other credit bureau information, your account is being reviewed for a possible credit limit reduction. 



What you can do Make a payment towards your balance to maintain your current limit - we wont take the action stated above if you make a payment of {$1900.00} within three days of receiving this email. 



Make a Payment Heres how you can make a payment Log into your account to make a payment online. 
Call us at the number on the back of your Card. 
Make a payment through your Amex App. If you dont have the app, you can easily download it now. 


Download the Amex App Something to keep in mind Until the review is complete or a payment is made, you and any Additional Card Membe

rs may experience temporary disruptions to your spending. Were here for you If you have any questions, feel free to chat with u
s online or in your Amex App, or give us a call at the number on the back of your Card. Were here for you XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Ive been in communications with this company about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my le. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the condentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, XXXX or Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My only name XXXX XXXXXXXX XXXXXXXX  My only address is XXXX XXXX XXXX XXXX pa XXXX My only date of birth is XXXX My only employer is XXXX XXXX XXXX XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank You 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 2023-03-11
Company: EQUIFAX, INC.
State: PA
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:
15 USC 1681 there were many inaccurate accounts on my consumer report, which these inaccurate accounts are affecting my credit report I never got any validation for any of these close accounts nor for the inquiries that stated on my consumer report I was never contact by the credit agency Equifax, for a reinvestigation nor the companies havent seen a written consent proof that states that these accounts belong to me a file, the FTC report as well. I stated that these accounts had to be removed. I sent letters stating the accounts that were inaccurate which they were not resolved. I also stated when I spoke to Equifax, about the data breach that happened within the company that was not addressed as well. I am trying my best to be able to work with this company, knowing that I can not in trust any personal information with the company do to them, allowing my information to be leak not only I gave them a chance to be able to do the right thing and to be able to resolve the issue but they did not clear the accounts that were affected my credit report I would like proof of consent and original contract with these companies. And also I would like to know why is my credit score a different score with XXXX XXXX  and also a different score with XXXX and also on the website of Equifax I would like for my credit score to be accurate and updated as well I received phone calls different companies that I never gave my information to stating that I open the business account. And also I want to add that is XXXX resolve the issue with the inquiries that was found inaccurate on my consumer report data also be removed off of all other credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: SYNCHRONY FINANCIAL
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:
I noticed unauthorized credit inquiries on my report according fcra these unauthorized and unverified items must removed plus15 usc 1666b its illegal

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 2023-11-05
Company: Consumer Portfolio Services, Inc.
State: NJ
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 a XXXX account that was open in XXXX XXXX and I was incarcerated at that time I would like for it to be removed. I also have something called, CONSUMER PORTFOLIO SERVICE, the address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I was incarcerated at this time. I also will like to dispute XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX this account opened XXXX XXXX I was also incarcerated at this time. I have something else as an hard inquiry called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX I was incarcerated for this too

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: Certified Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company refuses to remove medical debt that IS in litigation, the debt is a result of a motor accident where it was deemed I was not responsible ( hit by a driver who was texting ) The XXXX lady whom I spoke with told me " it is our policy to place a negative remark on credit file until you pay '' I reminded her that they have a lawsuit lien ( which makes sure they are paid first ) she confirmed ALL of my attorneys info, the lawsuit filling number in XXXX XXXX, my correct address, DOB. 

Despite telling this lady over and over again that it is in litigation and destroying my credit, ( even after the law changed regarding medical bills ) the lady said that it would not come off my credit file until she gets paid, the are not required to follow as they have their own policy. 

I called the doctors office whom I received treatment from, explained the situation to them and was told again that its their policy to place on credit file until paid, even if there is a lawsuit prohibiting me paying directly they have to get paid before removing. 

I have spent 5 years rebuilding my credit following a bankruptcy due to identify theft. I can not pay off this debt as it is in litigation, I can not get the debt pulled until it is paid, the XXXX lady is literally quoting practices that do not exist. 

They also call and hang up after 1 ring ( common creditor practice in this area ) they claim its to make sure the number still works, and so on, however its then used to make you go before a judge saying you wont take their calls. 

I have directed all communication through my attorney, however this is part of a crash claim that is being settled by XXXX XXXX ( the defendants insurance ) and the collection agent will not honor any request other than my attorney paying them direct. My credit has dropped XXXX points because of this hostage scenario

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I, XXXX XXXX, I was denied a product due to a extended Fraud alert on my consumer credit report. I did NOT ever request an extended fraud aler or ANY other fraud and/or alerts to be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Santander Consumer USA Holdings Inc.
State: NC
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:
The company Chrysler Financial incorrectly reported me deceased on XX/XX/XXXX.My account was current at that time. I called and and requested I fax them certain documents as proof I was still alive I did so.I thought things were good a month later I paid my payment but then after the payment started getting harrassed by debt collectors they said the company had charged off my account I asked why because I was not deceased and it was current they said just because no one updated the info I sent in into the computer that she would do it now and fix things .I thought it was fixed again when now I have found they deleted my whole credit history with that company 5 years off good payments are now gone and my credit score went down and I was refused credit This has greatly effected me and caused me a big hardship and still effecting me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: DC
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 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 correct : XXXX XXXX XXXX XXXX Balance : {$390000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$17.00}

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 2021-08-30
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I disputed multiple inaccurate accounts that I do not recognize that they are reporting to my credit report and they failed to send my investigation results and it has been more than 30 days! They continue to report false information to my credit file and hurting my credit rating!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: IN
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:
XXXX XXXX Balance : {$960.00} XXXX XXXX Balance : {$970.00} XXXX XXXX Balance : {$570.00} The following accounts has late reporting that were caused by inaccurate billing. I was never late with these accounts as I am a good paying customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30
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: Their investigation did not fix an error on your report

Complaint:
I disputed multiple inaccurate accounts that I do not recognize that they are reporting to my credit report and they failed to send my investigation results and it has been more than 30 days! They continue to report false information to my credit file and hurting my credit rating!

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 2021-08-30
Company: WELLS FARGO & COMPANY
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am a XXXX year old XXXX  veteran in a XXXX XXXX. I went XXXX with my XXXX XXXX and can not read. I would call the bank to tell me what I had in checking. One day they said {$75.00} and it should be {$90000.00}. I said where did it go? The bank gave my money to someone without a signature or any correct in formation. 
I started with complaint # XXXX and XXXX. They say closed but no one contacted. I never received no money when they said they would get it all back for me. I need my money to eat.

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 2021-07-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has been harassing me for over a year. The first letter I received from this company was sent in XX/XX/2020 and they are still relentlessly sending me letters. They are also reporting inaccurate information that is not mine on my credit profile. I do not know where this debt came from, and I have requested that the company refrains from contacting me- but they still call me constantly at inconvenient/inappropriate times of the day and night. They're representatives have used abusive and threatening language on several occasions. This debt has not been validated and could very well be a result of identity theft. the letters that have been mailed to me have inconsistent balances and incorrect names. I have proof of said letters and phones calls attached that contain the inconsistent and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: IL
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:
This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-22
Company: EQUIFAX, INC.
State: TX
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'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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief