BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is charging me {$2200.00} for services that I did not use. I moved from the apartment in XX/XX/2020 due to military orders. I turned off all my services including electric and cable. XXXX never turned off the services and was still charging me from XX/XX/2020 until XX/XX/2020. I tried to dispute it with the company and they company they sold the debt to. I showed them my military orders and the lease that I signed with the end date of when I left the apartment. Im being violated according to the SCRA. I should not be penalized because of military orders. Under the dispute they said they disagree with the dates. They also sent me the printed bills of them charging me which doesnt align with the time I was no longer living in the apartment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2019 I initiated a withdrawal from my PayPal account in the amount of XXXX. PayPal limited and decided to close my account permanently. They told me they are going to hold {$3800.00} for over 180 days. These are valid funds from a company called XXXX. They gave no reason why they closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: FL
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:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
I have written to the companies to inform them that I did not authorize these inquiries made on XXXX XXXX 2017 from ANY auto finance companies. I was previously approved on XX/XX/XXXX through a different lender and never authorized for my credit to be ran again or to apply for finance through different companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried multiple times to fix this issue with Trans Union and XXXX concerning the XXXX XXXX account. I have informed them several times how the account is not reporting accurately on my credit report. The XXXX is reporting that the account STATUS IS LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE. 
The TRANSUNION is reporting STATUS : CLOSED / payment after charge off/collection settled- less than full balance. 

It has now been XXXX months that I have tried to get this item removed from my credit report for reporting incorrectly Trans Union and XXXX have failed to do a proper investigation. They continue to let the an accurate reporting continue month by month while continuing to damage my credit.

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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This was my second time contacting Trans Union credit bureau about fraudulent activity, On my Credit report do to im a victim Of Identity theft, the criminal clearly found someway to contact TransUnion and provided all of his information, I already told Trans union that, That was the wrong information. They had the wrong name address, and a bunch of fraudulent inquiries that I never consent too. when I asked them to help me and change the information, They told me no I had to go to their maintenance and then hang up on me

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 2022-06-10
Company: EQUIFAX, INC.
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:
XXXX, XXXX, and Equifax are all illegally reporting my information without my consent. Violating FCRA laws it is under my understanding that all debts that have been paid in full can not be reported as late nor can any debt be reported without my consent that is a violation of the law and considered identity theft. according to 18 U.S. Code 8 - Obligation or other security of the United States defined U.S. Code Notes prev | next The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , XXXX XXXX notes, XXXX XXXX bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

( XX/XX/1948, XXXX. XXXX, XXXX XXXX. XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX are reporting to my XXXX & XXXX credit report as collection debt. This debt is not mines, & I do not know where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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:
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. 

US DEPT ED # XXXX, Date Opened : XX/XX/2016, has violated my rights. Reported Twice! Wrong! 
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. 

US DEPT ED # XXXX, Date Opened : XX/XX/2016, has violated my rights. Reported Twice! Wrong! 
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 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 multiple requests 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. Please remove the following items : XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On the morning of XX/XX/2022 I received a call from an individual who claimed to be a representative of the financial division in XXXX XXXX XXXX XXXXXXXX. The individual claimed that I owed money and that my service was about to be shut off. I told the individual that my account should have been closed and that I made my last payment on XX/XX/XXXX. The individual told me that there had been a problem processing my payment on their end connected to a change to a new system, but that the individual could process my original payment if I typed in a certain " code '' through XXXX. 

He asked me to enter the amount XXXX and the memo " close account not payment XXXX. '' I expressed serious misgivings about what he was asking me to do, but via deception and manipulation he gained my compliance. He caught me in a strange circumstance state of mind which made me vulnerable. After the first payment went through he expressed surprise that I was charged. He then put me on with a person who he claimed was his supervisor who would help me reverse the charge. He asked me to do the same thing again. The grave doubts that I had before were amplified but again with deception and manipulation the individual persuaded me to authorize a second " code '' that he assured me would reverse my transfer. Thus, I made a second XXXX payment in the same amount. 

Realizing that I had definitely been scammed, I then hung up and called Bank of America. I was told that the only redress I have is to ask the scammer 's bank ( XXXX ) for the money back, and they helped me make this request, though they suggested that it is unlikely to work.

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 2021-12-03
Company: JPMORGAN CHASE & CO.
State: NY
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 who is submitting this CFPB complaint myself. JPMCB  CARD is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. PLEASE DELETE the accounts below : ( JPMCB CARD XXXX, JPMCB CARD  XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Bread Financial Holdings, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity Bank calls me every day about settling a debt that is less than {$5000.00}. The calls are after XXXX XXXX but they also have been calling on XXXX before XXXX XXXX in violation of the FDCPA. I wish to report them for this practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2019-03-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Chase Bank Ultimate Rewards Program Flight Cancel - XXXX : XXXX - Case ID : [ XXXX : XXXX ] I booked a flight with Ultimate rewards website from XXXX to XXXX Roundtrip Their website has glitches in it and changed the passenger infromation form a profile that was already preset in their website database. 
I clicked XXXX XXXX Profile and it populates her information as it is saved from previous flights. When I tried to change the contact phone # it reverted the passenger back to my name. I did this over 5 times and seemed I was successful in changing the contact info because I needed the updates sent to me. 
The website changed the passenger from XXXX to XXXX ( myself ) without my knowledge. 
Chase refuses to return XXXX points to my account. I believe this to be a form a fraud to diminish your points. 
Please address this problem Below is the return email sent from JP Morgan Chase. 
Just a statement of a technical team with one line in which is in denial of all of the problems with their booking site. 
1. XXXX was selected from the saved database 2. I live in XXXX XXXX and booked the flight from XXXX to XXXX  and back for XXXX 3. Common sense alone shows that I would not have put my name as the passenger 4. If you go to the website I can actually recreate the problems incurred XXXX XXXX XXXX ( 3 hours ago ) to me RE : XXXX Dear XXXX XXXX , Thank you for taking the time to advise us of the situation you encountered with your Air reservation booked through Chase Travel. Our priority is to offer complete and accurate information as well as superior customer service at all times. 

After review of your file, we have determined that we can not provide the requested compensation. During the time of booking the technical team informed us that you inputted your name and the phone number. As a result we are concluding this as not a technical error. Therefore, we will be closing your case as there is no further action needed. 

Please accept our apologies for any inconvenience. You are a valued customer and we look forward to future opportunities to serve you. Should you need further assistance, please do not hesitate to contact us at XXXX. Were available 24 hours a day, 7 days a week. 

Sincerely, XXXX XXXX Travel Consultant Supervisor Chase Travel XXXX  JP Morgan Chase & Co. 

Contact Us Chase Privacy Operations XXXX XXXX XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: WELLS FARGO & COMPANY
State: FL
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:
We started a nonprofit and opened a Wachovia checking account XX/XX/XXXX. I still have the signed contract. There was to be no monthly fee. Then in XXXX of XXXX Wells Fargo ( changed from Wachovia ) started charging us {$14.00} a month service fee. However, unfortunately, there was a tornado that hit the house we were using for our nonprofit about that same time and our nonprofit came to a stand still, as a result we did not notice fees being charged as we were not active at that time. In XXXX of XXXX we started looking at starting up our nonprofit again and noticed this {$14.00} a month charge. We called Wells Fargo and they gave us six months of the fees back. I ask the gentleman if these fees were going to continue each month and he said no, we don't charge those fees to anyone anymore. I would be interested to know why they had no problem changing our contract and charging us the {$14.00} per month without any notice, but when they decided to not charge the fee they did not go back on their own and stop charging us. I was directed back to the branch manager for the rest of the money, that did not work so I followed the chain of command until I reached XXXX XXXX XXXX and he told me he was the last step and he could not assist.

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 2023-03-20
Company: EQUIFAX, INC.
State: MA
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 received a pre approval from XXXX XXXXXXXX for a car loan, presented it to a dealership. They went ahead and ran my credit without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Bread Financial 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Comenity Bank/Kay , XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 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. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: IL
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX : # : XXXX, XXXX XXXX : # : XXXX, XXXX XXXX : # : XXXX, XXXX XXXX : # : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXy : XXXX have 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) 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 1681sXXXX ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: MS
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:
Pursuant to USC 1681 these accounts are damaging to my reputation, character, and violates my rights to privacy. This account furnised a false report and does not have my consent to report to ANY credit reporting agency. Any alleged documents or agreements from listed account ( s ) provides rights only to the credit bureaus which Experian, XXXX, XXXX, etc. are not bureaus, but are assumed agencies pursuant 15 USC 1692a ( 1 )

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