BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: VA
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:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: V and H Portfolio
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by XXXX that my credit score decreased due to unpaid debt to XXXX fro {$310.00} by Vance & Huffman LLC. 

I contacted XXXX who confirmed that I have no debt. 

I contacted Vance & Huffman with no response. 

My credit score dropped XXXX points due to this fraudulant claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: AZ
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:
The consumer agencies XXXX, and Equifax are reporting inconsistent information regarding the accounts labeled XXXX with account numbers # XXXX XXXX XXXX XXXX & # XXXX XXXX XXXX XXXX on my credit reports. Their reports on these accounts are not consistent with what XXXX is reporting as these accounts are not listed on the XXXX report. XXXX and Equifax are tarnishing my reputation and character with these inaccuracies and their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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:
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. 


XXXX XXXX XXXX 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 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 accurate.

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 2022-10-31
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My husband called chase to issue a new credit card on XX/XX/XXXX since he had a fraudulent charge from XXXX. Chase said they would mail out a new card and it would be to us in 3-5 business days. On Saturday XXXX, my husband was at work, phone stopped working, he got home at XXXX on Saturday and noticed chase app alerts- he called chase bank and there was a withdrawal of {$8000.00} from his checking account ( at XXXX at the XXXX Branch XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ) and {$40000.00} from our shared checking account ( at a chase branch at XXXX XXXX XXXX XXXX XXXX ). On Sunday XXXX, we called chase to cancel all our cards, including the one that we were still waiting on, and they said there was already charges made on the credit card as detailed below. 

XXXX XXXX ( EST ) XXXX XXXX {$14000.00} XXXX XXXX ( EST ) saks XXXX XXXX {$3100.00}. XXXX was tried XXXX times between XXXX and XXXX ( EST ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX {$1200.00} We filed a claim with chase once the withdrawal transactions were posted which was Tuesday XXXX as they said they could not do anything while the transactions were still pending. After speaking with multiple chase representatives both on the phone and in person since XXXX, it wasnt until I called on XXXX to ensure they received my affidavit form to complete our claims process to start their investigation that they then informed me I needed to file a police report to complete the process and start the investigation. We faxed over the police report on XX/XX/XXXX, called daily but they said they never received, resent it again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Finally they said they did receive it and were able to start the 3-5day investigation process. I submitted a claim to the BBB regarding Chase bank, and thus my case was escalated to the chase executive branch, supposedly highest level of escalation. Our case liason has been very hard to reach, does not return calls. When we are finally able to get in touch, they continuously ask the same questions over and over despite us previously providing the answers multiple times. It has been over 30days now, our money has yet to be returned to us and we can not get any information as to when we can expect our money back in the accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2023-04-10
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( n ) the information is, in fact, inaccurate. 

I can go on and on. 
The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this NOW! They keep responding within one day of receiving my complaint, so I now feel as the consumer they are doing this to buy time and avoid from removing those discrepancies and in accuracies from my report. Can you please help. This is now a Demand Complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ENHANCED RECOVERY COMPANY {$960.00} Open balance XXXX XXXX XXXX XXXX  Original creditor I have never had, nor authorized, a XXXX account, neither in New Jersey or Georgia. I I believe some one fraudulently open this account under my name using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 personal information was stolen from my car and my id has been used to get credit and loans. I filed the correct paperwork per the FCRA and sent them to the credit agencies. The disputes are not being done correctly and the documents I sent in are not being attached to the disputes. And I am not getting the copies of the verification process per the FCRA. 

These are the accounts : XXXX credit XXXX XXXX XXXX of 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 2023-02-03
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
So far I see 4 charges that were made to XXXX XXXX in California! I am in Texas and don't use XXXX XXXX! 
Dates are : XX/XX/23 {$75.00} XXXX/XXXX/23 {$58.00} XX/XX/23 {$380.00} XX/XX/23 {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received letters from JP Morgan Chase in mid XXXX notifying me they will no longer offer services to me and closed all of my accounts, including 1 x Checking, 2 x Investment Accounts, 2 x Credit Card Accounts and a Safe Deposit Box. 

As soon as I saw the notices, I went to the nearest branch to find out the reasons, but they said the department that sent the letters to me are unreachable by branch associates and there was nothing they could do to help me with the situation. 

I called the number listed on the letter but they were unable to offer any answers. 

As I looked at my account transactions, I came to realize what may have triggered a red flag on my account. 
I made deposits from my own checking account from XXXX  XXXX XXXX by writing myself a check, then when the check cleared, I wired part or all of the money to a different financial institution where I hold an account with. The reason I used Chase is because they offer free wire services to clients, whereas XXXX XXXX XXXXXXXX does not. 
I have all supporting documents to prove the accounts involved are all mine. 

I don't know if this is the reason or not, since Chase is not sharing any information, but if it is, I was conducting banking transactions that I'm entitled to, and if it caused to raise a red flag, they should have at least inquired or notified me before coming to a decision to end the relationship with me. The communication is one way only, and I feel my rights as a consumer is violated. 

I'm having 2 of the major credit card accounts closed, so this will have a big impact on my credit score. I'm having to find another safe deposit box, which is nearly impossible in this area. I'm having to open another investment accounts, but I can not make any transaction ( other than sell ) during the transition. These things are impacting my life in a very big way, and I believe this is totally unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 was robbed and my personal information was stolen and used to get loans and credit. I filed the correct paperwork and sent it to the credit agencies. They have not filed the correct disputes or attached the paperwork I have sent per the FCRA. Also I have not gotten any copies of the verification process which is a violation of the FCRA as well The accounts are : 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 2023-05-22
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I have been with Title Max for almost 5 years as of 2018 to pay off the XXXX I borrowed. Over the last 5 years I have made payments in excess of over XXXX because the note was XXXX a month or the full amount by the next installment date. But since I lost my business I have been late on my payments they did a repossession last XXXX on XXXX XXXX XXXX XXXX XXXX. Now I have been trying to make 2 payments a month just to get rid of the Company. But I do not know how to do this. This past Saturday I got a notice repossession because I only made a partial payment. I owe {$660.00} as of XXXX XXXX I will make this payment. But every payment I make does not make the initial loan go down in anyway. Also I am told to go to their website and signed the renewal every time. That just make me sign the whole loan agreement over every time at 136 % interest rate. Can someone give me some advice please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I received an email from my XXXX  career fair for a job listing that is supposed to help me make {$500.00} a week so that I can stand up on my feet while doing XXXX. Anyway, I talked to the person indicated in the email for further action. This person emailed me 2 checks and asked me to Wire money and send the XXXX amount to the person who's supposed to get the job done. I DID NOT WIRE OR SEND ANY MONEY UNTIL THE CHECKS WERE SETTLED AND CLEARED IN MY BANK ACCOUNT. THEN AFTER 22 DAYS XXXX Wells Fargo REVERSED THEESE 2 CHECKS. I filed a claim when I saw the checks revision and on XX/XX/2022, I received a letter saying " YOUR INQUIRY IS DENIED ''. I have been suffering financially and emotionally since Wells Fargo REVERSED THEESE 2 CHECKS. I have never seen a bank in history takes 21-22 days to validate the creditor bank account. I am a XXXX. I live on XXXX XXXX XXXX XXXX XXXX, and Wells Fargo doing that to 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 explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: NV
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 sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX Inquired on XX/XX/XXXX  ; XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX Balance {$1000.00} ; XXXXXXXX XXXX XXXXXXXX Balance {$1600.00} ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXX XXXX -.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 went to the dentist for a cleaning. They said I needed their version of XXXXXXXX, for straightening my teeth. It felt like a over sale right from the start. My insurance did not cover it, so they had me to fill out some forms. I did not receive any treatment. We were going to revisit it on my next appointment. I never went to said appointment. Called and stated I did not feel comfortable with the scenario and I did not want to proceed. I never authorized any charges. Now it is showing up on my credit report and I am getting harassed by debt collectors.

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 2023-02-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Chase advertises 0 % liability for fraudulent transactions made on credit cards yet when I reported fraud charges they are holding me liable for the purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2022 I logged into the Chase Ultimate Rewards portal and saw an offer for a 30 % bonus to transfer points to XXXX XXXX XXXX, advertised as follows : 30 % Bonus Points Limited Time Offer! 
Get your Bonus XXXX Points today Limited time offer : Get 30 % Bonus XXXX Points when you transfer points through XXXX XXXX  on XX/XX/2022. 

Upon completing my transaction to transfer XXXX points, I noticed I did not receive the 30 % bonus. I then contacted Chase Support and found out the offer does not BEGIN until XX/XX/2022 at XXXX XXXX  and thats why I did not get the bonus. This is clearly FALSE ADVERTISING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: NJ
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 XXXX. XXXX XXXX XXXX Nj, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act ). I found errors dealing with fraudulent accounts that are hurting my good name. Someone stole my information and signed up for something in my name. I am aware that section 609 requires you to have verifiable proof of my signature. As is my right, I am requesting the validity of my signature or that the items that the items listed below be removed from my profile. 

ACCOUNT NAME : - ACCOUNT NUMBER : XXXX Balance : {$24.00} ACCOUNT NAME : - ACCOUNT NUMBER : XXXX Balance : {$60.00} ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX Additionally, I have highlighted these items on the attached copy of my uploaded statement. I request that all future correspondence be done through email. As stated in the FCRA, you are required to respond to my dispute within thirty days of receiving this letter. if you fail to offer a response all disputed information must be deleted. Thank you for your Prompt Attention to this matter.

Company response to consumer: Closed with explanation