BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-08
Company: JPMORGAN CHASE & CO.
State: FL
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:
On XX/XX/, there was an unauthorized {$500.00} transfer out of the joint account both my wife and I share. The bank sent my wife an automated Daily Account Summary Alert at XXXX XXXX. My wife, upon reviewing the email while at work, called chase at around XXXX XXXX. When calling Chase, they told her we should buy a service they sell that better secures our accounts. After several questions, and insinuations alleging she was lying, and that we " just forgot '' we sent the transfer, she were able to file a claim. They said they would investigate the claim, they froze all withdraws from that account, locked my wife out of her online account, and recommended we close the compromised account. Which we did together that afternoon. After several days of not hearing back from them, my wife called them again on XX/XX/XXXX. They then told her the claim was denied and would remain closed. Unless we could somehow prove to them it was fraud. I told them that we did not authorize the transfer, we do not know the person it went to, and then asked if they even bother to try to contact the person that received the money. They told me that they do not contact the other person and that all the burden of proof now lies on us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-15
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  Account NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX 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 2023-03-08
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX ( Original Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance {$1600.00} XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX Bankruptcy : Bankruptcy Date Filed XXXX XXXX XXXXXXXX Reference Number XXXXXXXX XXXX XXXXXXXX XXXX ( Original Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance {$1600.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXXXXXX XXXX XXXX  Balance {$400.00} XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX  Balance {$460.00} XXXX XXXX XXXX XXXX, VA 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 2023-01-06
Company: EQUIFAX, 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:
My name is 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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have attached two accounts that are currently reporting inaccurate information to all three of my credit bureaus, I have highlighted the inaccuracies. Per the FCRA anything reported in my name has to report 100 % accurate information. Please delete these two accounts from all three of my credit bureaus.

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 2023-11-16
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # 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 a payment on a credit card account under + open end consumer credit plan as late for anv purpose.

72 1K

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I am writing in today in regards to my prior account with Ally Financial account # XXXX. I completed the term of this loan without any incidence. I received a bill for some damages on the car I informed Ally several times that I had a damage waiver and even supplied them with it to no avail. I later received a bill for {$16.00} dollars which I paid immediately. Ally confirmed that it was an error on their part and this should have no impact on me. Yet on my credit report it is showing a paid charge off.

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 2023-02-20
Company: PLANET HOME LENDING, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received the attached letter from my mortgage servicer. It states that as of XX/XX/22 my flood insurance was " cancelled, expired or was unacceptable '' and that force placed insurance would be obtained ( at great cost ) unless replacement or renewed coverage was secured. 
This is 100 % wrong, apart from being upsetting and disruptive to me, my XXXX president and our insurance agent. I called the mortgage servicer this morning ( Planet Home Lending ) and when pressed, the servicer 's rep admitted that they took over servicing on XX/XX/22 and did not have our insurance documents. They said they received nothing from the lender. Instead of asking for a copy of the insurance policy, they instead sent this erroneous, threatening letter and caused unnecessary work and concern for several people. Planet Home Lending should be reprimanded or sanctioned for the misstatements made in the letter, as our building 's insurance policy is and has always been in force. I will be sending a copy of our master condo policy to the servicer ( now that I know what actually is needed ) but would like to see steps taken so no other borrowers receive such a letter with these false claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I'm reaching out because I have reached out to XXXX multiple times stating that the account attached ion the FTC report sent and they have done thing.

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 2022-11-30
Company: EQUIFAX, 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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-14
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. 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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I requested to close a savings account and the Wells Fargo Bank branch manager and bankers inform me if I close the account I would be charged fees. I withdrew all the funds out of my account with the understanding it would be closed but instead I was charged fees.

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 2020-04-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX -or- Experian XXXX XXXX XXXX  XXXX XXXX, TX XXXX -or- XXXX  Fraud Victim Assistance Department XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX  {$940.00} XXXX  {$1500.00} XXXX UNIVERSITY {$730.00} XXXX {$11000.00} XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX {$460.00} XXXX XXXX BANK XXXX {$0.00} XXXX XXXX {$780.00} XXXX XXXX  {$780.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B

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 2023-11-13
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:
XXXX XXXXXXXX XXXX XXXX XXXX-Date Account Reported : XXXX 's Date Opened : XX/XX/2021 -- XXXX Account Condition : Closed -- Paid -- Account 's Closed Date : XX/XX/2021 -- -- XXXX XXXX : Closed -- Paid Account Dispute Status : Account not disputed -- Account not disputed-Account Status : Closed -- Open Account Status Information : Closed -- Paid Account Rating : Closed -- Paid Payment Status : Current -- Current I never obtained this account and also how can a person obtain an account on two different days and then the same date its last reporting was the same day the account wa closed, that doesn't make since. this company stole my information and refuses to fix the error. I have been sending in disputes for months and they get rejected in a day or the company responds back verifiable within any written notice and without any supporting documents. I don't even know what information was used to obtain this account nor does any of the information on my credit report matches this information and that is one of the regulations and guidelines any business or consumer to have update information or accurate information across all three bureaus and this is not the case. please have a human review my request and not an automated system or machine and also update and send any verifiable documents with notary signature and matching ID used at time of purchase or delete this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been a victim of identity theft. There are accounts from XXXX XXXX and XXXX XXXX neither of which I have ever used or had in my life. There is also something for a XXXX company also never even heard of this company. Please assist me in getting this matter handled to the best of your ability thank you so much in advance.

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 2018-10-22
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Bank : XXXX XXXX  ( formerly EverBank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX My CD matured XX/XX/2018. I submitted cash-out instructions for the CD on XX/XX/2018 which the bank acknowledged ( see attached ). The bank did not redeem the CD on that date or subsequent days, The bank tells me by telephone that THEY have a 10 day grace period to cash out, even though they receive the order on XX/XX/2018. The grace period is supposed to apply to the customer, not the bank. They should pay interest on the late days at the same daily rate as the CD was paying. This bank ignored my repeated attempts to communicate by secure message through their website and by regular E-mail. 

Last digits on account are : XXXX Also identified on website as : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
on XXXX I sent dispute letters to XXXX, XXXX, and Equifax to dispute regarding fraud accounts and inaccurate reporting and its been more than 30 days and they have not showed verified proof or removed accounts thats against the law. 
FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these fraud accounts below must be removed within 4 Business Days of receipt. and they weren't 1.XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) 2..XXXX XXXX XXXX 3. XXXX 4. XXXX inquiry on XX/XX/XXXX 5XXXX XXXX inquiry onXX/XX/XXXX 6.XX/XX/XXXXinquiry on XX/XX/XXXX 7. XXXX XXXX XXXX inquiry on XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX XX/XX/XXXXon XX/XX/XXXX 9.XX/XX/XXXXXXXX XXXX inquiry on XX/XX/XXXX 10. XX/XX/XXXXXX/XX/XXXX inquiry on XX/XX/XXXX 11. XXXX XXXX XXXX on XX/XX/XXXX also they are reporting inaccurate late payments for these accounts below 1. XXXX Balance : {$4000.00} 2. XXXX Balance : {$10000.00} 3. XXXX Balance:XXXX 4. XXXX Balance : {$4900.00} All XXXX fed loan accounts listed above are reporting late for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
5. XXXX XXXX Is reporting XXXX late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES...

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. and also violating law 15 U.S. Code 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Jacob Law Group, PLLC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Jacob 's Law Group in XXXX, MS repeatedly called my work phone every two days even after they were notified of the following : 1. It was a work phone and to please contact me via written communication. 
2. I was not aware of the XXXX XXXX Debt and to please send me a detailed account of what was charge on the card. 
3. The debt is past the statue of limitations for MS . 


I have request in writing all the above statements from the Law Group without an answer and will proceed to court on XX/XX/XXXX.

Company response to consumer: Closed with explanation