BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
This case is complex and this is an update. Our data was stolen and used to open a fraudulent bank account to facilitate a fraudulent merchant account causing our data to be placed on the XXXX list for XXXX XXXX identity Theft. XXXX XXXX caused the XXXX. JP Morgan Chase opened the fraudulent bank account using our data. XXXX opened the fraudulent merchant account verified and confirmed identity theft placed the XXXX. XXXX XXXX was later aquired by XXXX. XXXX admitted and disclosed. XXXX XXXX obstructed. JP Morgan Chase obstructed then admitted. XXXX is assiting after aquisition. JP Morgan Chase is obstructing after admittance. There are several new storys breaking weekly which contain XXXX victims of JP Morgan Chase. This case is relevant to those victims. JP Morgan Chase was also part of the XXXX scandel. JP Morgan Chase is closing customer accounts and blaming them for fraud, terrorism, laundering, and human trafficking. We are not a customer of JP Morgan Chase and they are opening fraudulent bank accounts for fraud, terrorism, laundering, and human trafficking then blaming the victim using SARs and the XXXX as a weapon. They choose their victims based on color, gender, political, religion, etc. This action will freeze the person or business and financially destroy them. This document is an update and complaint. The Florida attorney general has been contacted, local police, FTC, and other deparments prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please be advised that as of XXXX, I XXXX XXXX noticed the following XXXX XXXX inaccurate / invalidated accounts on my credit profile. Account numbers are as follows : XXXX, XXXX & XXXX. Please find attached proof that these accounts are currently in dispute with XXXX XXXX via mail and fax. To date, XXXX XXXX have not validated the debt for the three accounts listed. As a result Transunion is in violation of 15 U.S.C. 1681 ( i ) 5 ; ( A ) In general, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. Please remove the inaccurate / invalid accounts IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )

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 2022-09-12
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: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX, I filled a dispute with Experian credit bureau. They modified my dispute on XX/XX/XXXX. On XX/XX/XXXX they claimed my dispute was complete. 
On XX/XX/XXXX I refilled a dispute asking to see their method of verifying the accounts they claimed to have verified. I asked them to include all written verifications. XX/XX/XXXX they marked my disputes complete and closed them without ever sending any verifications for any of the following accounts. 

XXXX XXXX bank card ... Wrong amount showing written off I paid this in XX/XX/XXXX. I have disputed this account since then XXXX motor shows a 30 day late from XX/XX/XXXX, at which time I was in a XXXX payment arrangement. I have disputed this multiple times since XX/XX/XXXX. 
My XXXX  XXXX account, XXXX secrets account and my XXXX XXXX XXXX account are all also in modified payments due to XXXX. 
Per the American cares act XX/XX/XXXX these accounts can not be reported late during this arrangement. 

XXXX. XXXX XXXX XXXX XXXX .I sent proof a court deemed the credit card charges at fraud, I sent the court papers to Experian during these disputes, the account was still verified as accurate and mine, even after the courts deemed it was NOT mine! 

XXXX. XXXX XXXX XXXX not even mine, after some minor investigation of my own I found out it is a business account! I sent proof and it still remains on my credit. I've disputed this account multiple times. 

XXXX XXXX XXXX serving of $ XXXX is reporting open, it is CLOSED and XXXX XXXX was paid in full in XX/XX/XXXX. 

I have tried disputes and the accounts were not updated, I have asked for proof of their verification method and they closed my case without sending any verification. 
I have included in my disputes the financial hardship I'm enduring due to these inaccurate reportings on behalf of Experian and they fail to report properly. 

I am asking you to please hold Experian liable for their actions.

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i sent my letter out on XX/XX/XXXX to XXXX, Transunion, XXXX. Here is my tracking numbers : XXXX - XXXX - XXXX However its been more than 15 days and the credit bureaus failed to respond. 

RE : XXXX XXXX I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts.

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 2023-03-07
Company: TRANSUNION INTERMEDIATE 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:
I have reached out to the credit reporting agency and they have refused to remove this iteam. By law this cant stay on my report but for ten years. The last activity was over 10 years ago. I have reached out to the bank and they have stated to me that they have sent removal paper to the credit reporting agencies with audio tapes backing them. The agencies have refused to do any action on this I am at my Witts end need help. In the supporting documentation first is XXXX second trans union third is 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 2017-11-08
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have several on line CDS with Barclays Bank US. Barclays Bank US, sent me an email, as they do every month on line Statements ready to view. When I logged into my account as I have been doing for the past almost 4 years not only was there no statement, but all the prior statements had disappeared as well, as if the accounts were non existent. 

I had also earlier written a review about Barclays Bank as I had become concerned about this Bank, when earlier I had inquired about Loans and interest rates. I was kind of shocked when they asked me did I have an invitation. They only lend by invitation, what a strange Bank I thought, so I asked them all the money I am putting in this Bank where is it all going? They refused to answer that question, so I did research about that and wrote a review on Barclays recommendations. This they deleted of course, as it seems they only want great reviews not truthful ones so they can suck in more people to deposit money. 

I had become so concerned that the quarterly filings Banks file on earnings etc, I asked them where I could locate that, so I could check their financial condition. Their response shocked me that is not available and they are not required to file. While they have FDIC Backing and supposedly my money is insured. My question is why is this Bank not required to file as all other Banks do?
I became so concerned that the one savings account that I had left that could be closed without Penalty I did, and requ
ested a transfer that same day of all the interest earned on my CDS. I was told that it would have to be one transfer. This again was not completed on the Business day of Friday as I requested, but then on Saturday it was done that I had requested transfer of this money, it was all individual transfers from each CD. I am very concerned about this problem of deleting Statements and not making them available to customers. Am I the only Customer this is happening to? Or is Barclays Bank retaliating against me because of the questions I have posed to them

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/XXXX i recognized a inquiry on my account that i didnt know anything about or signed up for and ive try to get it removed since then by calling customer service and trying to do it on line and it hasnt worked.

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 2023-10-03
Company: CCF Intermediate Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a email letter from Speedy Cash for a missed payment in I never applied or took a loan so I called the number on the email, then after they kept asking for my social security number, I hung up and called Speedy Cash from their Internet provided number, and spoke with a real Speedy Cash employee and was advised that someone attempted to take out a XXXX loan in my name via online application, I believe this was caught due to my phone call. However I have now ( XX/XX/2023 but dated XX/XX/2023 ) received a paper mail debt collection notice that echoed the email attempt at getting a payment. The phone number they requested I call was ( XXXX ) XXXX. I did not and again called the real speedy cash at the Internet listed number. They advised that the previous call for fraud had been recorded and gave me this web sight to report this case event.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Radius Global Solutions LLC
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Before the end of XXXX, I set up a payment arrangement to start paying back my debt with a collector 'Radius global ' who have my XXXX XXXX credit card debt. Upon realizing I would not make the money to pay that amount I went back online to edit the payment arrangement and the agreed upon settlement was no longer accessible and the website indicated a FULL original amount due, when I had accepted a letter and agreed upon a far less amount. I then called and spoke with them on XX/XX/XXXX at XXXXXXXX XXXX a few days after making the arrangment to inform them I need to update the payment and post it to a later date when I would receive my bonus. The man on the phone indicated that was fine and I would not be charged on this pay day ( XX/XX/XXXX ) however they did in fact charge my debit card even though I had advised them not to and that I would not have the funds available. They mislead me on the phone when I called and told me they would change the payment arrangment and also confirmed I was paying on a settlement amount but they have in fact removed that offer and are charging me a much higher total.

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 2021-03-09
Company: Avid Acceptance, LLC
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have an auto loan through AVID Acceptance. I am currently 9 days past due with plans to pay this Friday, XX/XX/XXXX. 

Last XXXX, XXXX, they contacted my employer, XXXX XXXX. They left a voicemail which was forwarded to me by our customer service department. I asked the representative, XXXX, from Avid Acceptance to not call my employer any more. He said that shouldn't be a problem and he would notate the account and remove the number. 

Today, XXXX XXXX, XXXX, they called my employer. I received the recording from our customer service department. This is after I asked them to stop months ago.

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 2020-10-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft.

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 2023-10-15
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XXXX I had to get bank statements for XXXX. My mother trying to get into a XXXX XXXX  They were statements for XXXX XXXX XXXX Totaled 53 pages Truist bank charged the account 3 times for Research charge on XXXX One for {$240.00} One for {$140.00} one for {$120.00} Total {$500.00} I think this is extreme for a XXXX XXXX XXXXXXXX XXXX XXXX  I think that is totally taking advantage Please help Fixed income

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-14
Company: Mitsubishi Motors North America, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
XXXX XXXX is a company that I want to get a car 2021 Mitsubishi Maroge and I has so many issues with that loan. It just never fails I feel like I never was paying anything I was paying over {$3000.00} towards the car and it still interest is kept going and the person that sold me the car it was if you already he did some things of saying dont tell the bank that youre going to get the car because I had a cosigner and the person surrendered the vehicle I did not surrender the vehicle. I told him that I no longer can afford the payments and he never told me that he was going to run to the vehicle. His name is XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is an on-going issue I'm having with TRANSUNION. They are violation of the FCRA. Per 15 USC 1681 ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; SO WHY ARE THEY STILL VIOLATING MY CONSUMER RIGHTS AND SHOWING LATE PAYMENTS AND UTILIZATION ON MY CONSUMER REPORT? THIS IS CLEAR VIOLATION OF THE ABOVED FCRA SECTION. It shows I have charge offs for : XXXX XXXX {$3600.00} XXXX {$3800.00} XXXX XXXX {$1100.00} XXXX XXXX  {$15000.00} XXXX XXXX {$0.00} XXXX XXXX {$130.00} XXXX  {$110.00} Collections : XXXX XXXX XXXX {$1400.00} None of my transactions or experiences should be shown. WHY ARE THEY VIOLATING MY RIGHTS AND THE CFPB DOES NOTHING. HELP!! ANY AND EVERYTHING RELATING to my Charge OFF Accounts, Late Payments of credit Utilization should be removed within 10 days of receipt of this statement. I JUST retained a consumer law lawyer to file for arbitration against XXXX and any of its affiliated for the violations that I'm incurring. How its causing me gravely consequences even though the violation is as clear as day. I'm looking only for deletions and failure to do so will result in me seeking monetary compensation for each violation granted to me under 15 USC 1681 n1. I will be seeking no less that {$1000.00} usd for each violation and we've counted over XXXX. PLEASE DELETE ALL RECORDS OF LATE PAYMENTS, UTILIZATION, CHARGEOFFS AND COLLECTIONS PER THE FCRA. THIS IS THE LAW, ITS NO REASON TO REACH OUT TO THE ALLEGED DEBTORS. THIS IS CLEAR VIOLATION AND FAILURE TO RESPOND WITH DELETIONS WITHIN 10 DAYS I WILL REACH OUT TO MY LAWYERS TO START THE ARBITRATION PROCESS SWIFTLY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15
Company: CITIBANK, N.A.
State: KY
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:
no knowledge of this account not mine, see attached idenity theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: CA
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 appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Experian shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed account on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXXXXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/17 Balance {$4300.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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