BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I paid my credit card statement in full to BANK OF AMERICA to only find out 2 months later that they had charged me a {$1.00} in interest, I guess due to timing of that payment. But because i did not know that there was the small charge, i was charged a late fee of {$37.00} dollars. I did not know I owed this so i did not check my credit card statements until i got a letter dropping my credit limit from {$12000.00} to {$500.00} and they put a late mark on my credit report. I had a credit score that was around 780 but now it has dropped to a XXXX. Really irritated, because i always pay my bills. What i did on this credit card was set it up for automatic withdrawals so this would not happen again. However, I do plan on canceling this card due to the unprofessional responses and lack of concern when i talked to Bank of America. I have a feeling that they could care less about me being a customer. The reason i feel this is that i pay most of my statement balances in full so they are not making any money on that. I have ran some balance in the past with them, so they should see me as a valued client. I have over XXXX airline points with them so I can not cancel this card until i use my rewards. BUT BELIEVE ME, I WILL CANCEL ONCE I USE THOSE AIRLINE MILES. All consumers need to be aware of Bank of America. I have accounts with XXXX, XXXX XXXX, XXXX, and XXXX. I have never had these types of issues with 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 non-monetary relief
Consumer complaint received 2019-08-20
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: Information belongs to someone else

Complaint:
I have incorrect information on my credit file as a result of identity theft:XXXX|HARD INQUIRIES|| XXXX XXXX  XX/XX/XXXX  XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX (XXXX) XXXX || XXXXXX/XX/XXXX  XX/XX/XXXX  XXXX XXXX XXXX    XXXX XXXX XXXX XXXX XXXX WA XXXX (XXXX) XXXX || XXXX  XX/XX/XXXX  XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX  (XXXX) XXXX ||COLLECTIONS||XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX    XX/XX/XXXX  $XXXX  -  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX (XXXX) XXXX|-----------------------------------------------------------------------------------------------------------------------EQUIFAX|HARD INQUIRIES||XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX - XXXX  XX/XX/XXXXXXXX   XX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX||COLLECTIONS:XXXX XXXX XXXX XXXX XXXX XXXX XXXX|-----------------------------------------------------------------------------------------------------------------------XXXX|INQUIRIES|XXXX XXXX XXXX  XX/XX/XXXX  XX/XX/XXXX  Bank Credit Cards  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX  XX/XX/XXXX  Bank Credit Cards  XXXX XXXX   XXXX XXXX XXXX, NV XXXX XXXX XXXX |XXXX XXXX XXXX  XX/XX/XXXX  XX/XX/XXXX  Bank Credit Cards  XXXX XXXX XXXX XXXX XXXX, DE XXXX   BYMAILONLY||COLLECTIONS:XXXX XXXX XXXX XXXX XXXX XXXX|

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: Bread Financial Holdings, Inc.
State: OH
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 this credit has violated my rights under 12 USC 1681 section 6 o 2 states I have the rights to privacy 15 USC 1681 section 6 0 4a and section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: IN
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 explanation
Consumer complaint received 2023-04-05
Company: Bread Financial Holdings, Inc.
State: VA
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 Convergent Account with Comenity Bank for Woman Within, XXXX, and XXXX XXXX accounts, have 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for this purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
My grandson, and I established a custodial checking and savings account with the bank I normally use for years Chase Bank on in XXXX Illinois on XX/XX/2023. His name is XXXX XXXX XXXX, my name is XXXX XXXX. Account numbers can be provided upon request. I believe Chase sent checks to him in AZ, that may have been removed from the mail, ( specluation ). On XXXX when I checked the acct, to my amazement, some one was removing funds from the savings acct to the checking acct and stealing the money. It was happening as my grandson, his parents and I were on the phone talking to the fraud department in the XXXX, XXXX, as some one was taking {$900.00} from an ATM in XXXX on XXXX XXXXXXXX At the same time my grandson noticed some one had picked his pocket and all of his bank cards and ID was missing. He is a XXXX, XXXX at XXXX, the account was a month old and he was at his dorm XXXX AZ for just 2 weeks, and his bank accounts were scammed. The amount the Chase should return is about {$4300.00} Claim # ( XXXX XXXX XXXX XXXX XXXX ) I was told to go into bank on next business day and close those acct and open new ones and got an got a new claim number on XX/XX/2023 ( XXXX XXXX XXXX XXXX ) I feel the bank is scamming us too. They denied our claim. I can be reached at XXXX XXXX XXXX, to explain more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 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 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 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 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 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 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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: Duvera Billing Services, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Easy pay finance Ive been paying them for over a year and I pay XXXX by weekly on a XXXX loan and I still owe them XXXX didnt realize the interest rate was going to be so high they just told me to try and pay it off XXXX 90 days. I just dont understand why may balance due is not going down. Ive did some research on a few things and was told its because the interest rate is 59 % I didnt know the was legal in state of NJ. Help please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Affirm Holdings, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ordered XXXX XXXX ( XXXX XXXX ) XXXX ( Order # XXXX ) on XX/XX/2023 - never received it. 
Affirm Loan Services approved me for a loan ( Payment Agreement ID : XXXX ) to pay for the order listed above XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX {$27.00} Paid : XX/XX/2023 from my credit card ending in XXXX Affirm is STILL trying to withdraw payments from my credit card for this order ( that I never received ). Havent been successful in trying to contact XXXX XXXX. XXXX XXXX was a company that I found on XXXX and is obviously a scam. 

Affirm has tainted my credit report with a late payment because the payment that was due on XX/XX/2023 was not obtained from my credit card. Now my credit score has dropped XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I bank with Chase Bank. On XX/XX/XXXX I received a notification of {$280.00} being spent on XXXX with my debit card. I called in 12 minutes to dispute the charge. My debit card was canceled and the charge was credited back to my account. On XX/XX/XXXX I received a letter that they decided the charge was authorized so on XX/XX/XXXX they would take back out the {$280.00}. I called to dispute this. I was told by customer service they made this determination because the billing and shipping address from the order were both my address they have on file. When I queatio Ed how this could possibly be I asked for any onformation they had to show this as I did not make this purchase and never received anything from Wish.com and had no access to information i the purchase. The rep from Chase gave me a XXXX tracking number for the order. That tracking number showed the purchase was delivered to XXXX XXXX California. I live in XXXX Kentucky. I was then placed on hold for an hour and a half before going to a branch to talk to someone in person. The claims manager for the branch looked at all the information I had printed, which included the tracking information Chase have me, the email notification of the original charge, and a screen shot of my call log showing the time frame of getting the notification and reporting the fraudulent charge. The branch claims manager called it in faxed over the documents with my statement and stated to me that it was very clear I did not make this purchase. When I followed up the following Monday XX/XX/XXXX on the phone, a rep said they had my information and reopened the case. They were mailing me all the information they had from the purchase to claim I authorized the purchase. When I asked what would happen on the XXXX she stated that the money would be taken out and credited right back since the case was reopened. On the XXXX the money came out and was not credited back. I called and was told they wouldn't credit the money back until after the second review of the case. Now this morning, XX/XX/XXXX I received a letter saying they have closed the case finding the charge was authorized. I have never received accurate information from Chase, the branch claims manager could see clearly I did not make this purchase, and they are refusing to give me my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform youthat there is no third party involved in the process. Regardless of the multiple writtenrequests, the unverified accounts listed below are still reporting on my credit report inviolation of federal law. The XXXX/TransUnion/XXXX  Credit Bureau failed to complywith the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by lawand continued reporting of unconfirmed information which now, given all my attempts toaddress it directly with the creditor, as willful negligence and non-compliance with federalstatutes. Please remove the following items completely from my Credit Reports : XXXX, XXXX, M ; 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 2022-12-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: JTM Capital Management, LLC
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2018, XXXX XXXX XXXX ( XXXX ) contacted my daughter and left a very detailed message regarding someone serving a summons on me between the hours of 3-5 regarding a suit that has been filed against me. My daughter has no affiliation or knowledge of any  debt that belongs to me. My daughter was frightened that I was going to be arrested. I call these people back and spoke to a Ms. XXXX. She advised that someone would be serving a summons and documents upon me either at my home or employment and that I would need to have my Human Resource manager present while this supposed service was taking place. She continued to threaten me that a court date was imminent and fees would be compiled on top of the initial debt. As I pressed her for more information, such as when and where was the suit filed and what documents was this person serving she hung up on me. Supposedly this conversation was recorded. If it was not recorded or if the recording was not retained, I do still have the voicemail message that was left on my daughter 's cell phone. 
I called back again, because I wanted to get this debt resolved. I spoke to a man named XXXX XXXX. He also insisted that someone was going to be serving a summons and documents on me. I advised that I did not see any lawsuits filed against me ( I have access to the court website through my employer ) and he told me that the paperwork was being sent in immediately for the filing of the lawsuit or I could resolve the matter with him. I succumbed to his threatening and pressuring tactics and made arrangements to split the debt into two payments. 
On XX/XX/XXXX, I checked the website that was provided on the contract that was sent to me and I do not think that this company is a legitimate debt collection company. I again called XXXX XXXX and advised him that he needed to cancel the second payment and that I would be making a complaint against him, Ms. XXXX and XXXX XXXX XXXX. He then offered to completely wipe out the debt if I would not make the complaint. the account number provided to me is XXXX. 
The tactics used by this company are against the Fair Debt Collection Practices Act. Specifically, Section 807, 2.A, False representation of the legal status of the debt ( see above ) ; Section 807, paragraph 11 - I had not received any initial communication from this company regarding this debt ; Section 807, paragraph 13, advising that a process server was attempting to serve a summons on me ( which did not exist ). 
I have filed a complaint with my bank to try to have the initial payment retuned to me as I feel this company is completely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I've asked Experian repeatedly to please update my current address and delete old ones and they have refused. I have sent them a letter, spoken to their representatives and the problem is still not fixed. They shamelessly refuse to update my information. Both XXXX and XXXX have updated my current address and deleted all old ones.

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