BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-24
Company: DISCOVER BANK
State: SC
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: Card was charged for something you did not purchase with the card

Complaint:
I am a victim of identity left for the past 1 year and a half, There have been numerous fraud charges and credit card accounts opened under my name without my permission. To make matters worse I have lost my wallet at a local gas station around XXXX of this year and everything in my wallet were gone. All of my IDs and my credit cards have been compromised, including my phone. Recently I have noticed there are numerous charges under many credit cards that I own and I've reported to my credit card companies promptly. Most have already issued a refund or provisional credit but the credit card company I'm having an issue with is XXXX. They have declined my request to pursue refunds against a company that I have not done business with. There is an on-going identify theft alert in my name with FTC. Ive also put a year fraud alert with credit companies for this entire year. Please re-open an investigation for this fraud case on my behalf. Furthermore, I have also enclosed a police report for the illegitimate charges as well circumstances that have caused the identify theft in the first place. I contacted the merchant directly and they have informed me some details. - IP address they have provided does not match my actual location or my IP address. - My legal/real name is XXXX XXXX XXXX NOT XXXX XXXX or any other names they have claimed the card was used under. - The email address those purchases were made under were not under XXXX and thus I have no access to them or know anything about them. - The pattern of those charges were inconsistent comparing to my purchase history with XXXX, I would and never have purchases anything in this amount within a short period of time. - Lastly, according to the merchant rules and guidelines competitors are NOT able to vote for themselves, so those charge can not have been under my account anyway and advise me to contact my bank to dispute it as fraud. - I have moved away from XXXX, WV XXXX since XX/XX/2023. I have returned to visit friends and family in XXXX but currently I reside in SC. I have not had the chance to update my mailing address because I've been dealing with all the fraud charges that occurred on all of my credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are several accounts being reported on my credit report. I do not know any of theses companies. I have never done business with any of them. These collection companies do not have a contact with my sigature.

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 2023-06-02
Company: JPMORGAN CHASE & CO.
State: NY
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 hope this letter finds you well. I am writing to bring to your attention a concerning matter regarding my credit report. Upon reviewing my credit report, I have noticed an unauthorized hard inquiry that was recently pulled by JPMCB on XXXX XXXX 

I want to clarify that I have no knowledge of any transaction or business association with JPMCB, and therefore, I do not recognize the validity of this hard inquiry. As a result, this unauthorized inquiry is significantly impacting my credit score, which has been diligently maintained.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-31
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2023-06-02
Company: JPMORGAN CHASE & CO.
State: NY
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 hope this letter finds you well. I am writing to bring to your attention a concerning matter regarding my credit report. Upon reviewing my credit report, I have noticed an unauthorized hard inquiry that was recently pulled by JPMCB on XXXX XXXX. 

I want to clarify that I have no knowledge of any transaction or business association with JPMCB, and therefore, I do not recognize the validity of this hard inquiry. As a result, this unauthorized inquiry is significantly impacting my credit score, which has been diligently maintained.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Contacted all credit bureaus in regards to Bankruptcy being on my report for XXXX XXXX yrs. Per my bankruptcy court they did not provide any credit bureaus with my bankruptcy info. I disputed & opt out of XXXX XXXX & XXXX. XXXX XXXX XXXX has already removed the only problem Im having is with Experian. Its has been nearly 10 yrs. I am workin on my credit & the bankruptcy is hindering me for advancing my future. Being a victim of the XXXX pandemic I need some assistance with gettin this matter cleared. I thought statue of limitations was 7 yrs.

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 2022-04-16
Company: EQUIFAX, INC.
State: TX
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:
The auto company XXXX XXXX XXXX is showing me 180 to 190 days past due on my auto loan theyre showing XXXX XXXX XXXX all to be 180 days late I have it set up on auto pay from my bank to pay the loan.its due on the XXXX of the month I pay it on the first of the month every month it is not late and its killing my credit report.back in Covid when it was really heavy on my job I was injured so the company said they will not charge late fees and they put the Covid months on the end of my note supposedly so when I got back on my feet and I started making my car payments again I thought I was making for the month I was in apparently Im not there showing it past due XXXX I paid it on the first theyre saying Im late the same for XXXX XXXX Ive been paying two weeks early on my XXXX  loan for since XXXX my car payment for XXXX a month I pay XXXX a month I dont know what to do they wont fix the problem on my credit report and every time I asked credit reporting bureaus to dispute this and check it about two days later they say they have reached a decision and it has been updated so I just dont know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE 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:
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 2023-10-07
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
my account has been working perfect without any issues. 
I never been associate with any fraudulent activity. 
i never been associate with any chargeback. 

Now i received the notification that my account has been permanently suspended. 
XXXX XXXX XXXX : XXXX I would like to PayPal review my account there is not issue with my account, and i don't think it should have this decision without any explanation. 

i hope please get help about this issue to be resolved or if PayPal needs more information about my account, please try to ask me and i will be able to clarify any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I demand that this late payment item be deleted immediately. I entered the items and the outcome I desire below because you are in violation and this item is not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Validate/inaccurate reported late payments.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-02-01
Company: EQUIFAX, INC.
State: NM
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:
By the provisions of the Fair Credit Reporting Act, I am Submitting this CFPB complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX  XXXX Balance : $ XXXX I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My loan was charged off during covid even after we agreed to payment plan gap insurance never refunded, also a savings acct was opend by wellsfargo that i never authorized then they kept charging me overdrFt fees for the same overdrat

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 2023-02-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
am extremely frustrated and disappointed that I am unable to retrieve my credit report despite numerous attempts to do so. This is not only illegal but also a complete disregard of my rights as a consumer. 

As someone who values financial responsibility, I make it a priority to regularly check my credit report and ensure that everything is accurate and up-to-date. However, due to the credit bureau 's neglect and disregard for their responsibilities, I am unable to access my credit report, leaving me in the dark about my credit standing. 

This is completely unacceptable, and I demand that the credit bureau take immediate action to rectify this issue. As a consumer, I have a legal right to access my credit report, and any attempt to deny me this right is a violation of the law. 

Furthermore, the credit bureau 's neglect is not only inconveniencing me but also potentially damaging my financial future. Without access to my credit report, I am unable to take the necessary steps to correct any errors or inaccuracies, potentially resulting in a negative impact on my credit score and financial well-being. 

I demand that the credit bureau take my complaint seriously and take immediate action to rectify this issue. As a responsible consumer, I have taken the necessary steps to ensure that my credit report is accurate and up-to-date, and it is unacceptable that the credit bureau is neglecting their responsibilities and denying me access to this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX is reporting to all major credit bureaus. I have requested legal proof of the obligation from the credit bureaus and the furnisher from XXXX. My requests have been denied by all credit reporting agencies, and have been ignored by XXXX. The company simply indicated that the alleged debt had been transferred to a collection agency. XXXX also advised me the account had been validated with my name and birth date. The credit bureaus have all returned a status of " Verified '' for the account upon my dispute initiations. I dont understand how the account is being verified with XXXX XXXX XXXX XXXX and XXXX XXXX when the company doesn't even respond to my verification and validation requests, the person in which they are attempting to collect the alleged debt from? Verifying my name and birthdate is not legal validation of an account. The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to XXXX, XXXX, and XXXX to ask for the proof the company is providing as verification and validation of the account. My requests were denied. I was advised by XXXX, XXXX, and XXXX that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: GA
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 am writing to seek your assistance in resolving an issue I have encountered with Equifax regarding incorrect information on my credit report. Despite my initial contact with them on XX/XX/XXXX, I have not received a response to date. I kindly request your intervention in addressing this matter. 

Below, I have outlined the specific details of the inaccurate inquiries on my credit report, along with the required corrections : Unauthorized Inquiry Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On XX/XX/2023 I went to cash a check at Bank of America in XXXX XXXX nj. During the process I was told the check was post dated which is something neither me nor my lawyer who gave me the check noticed which is cool. But the issue comes with the way I was treated by the manager at the time who wouldnt give me her name. She literally said to me and I quote I just dont see why a realty group would give YOU a check ( emphasis mine ) my question is why would she even ask that question? Does it matter why someone would write me a check? Also being that I will be able to cash the check on Thursday the XXXX XXXX  XX/XX/2023 will I receive further what I took as discriminatory treatment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XX/XX/2023 XXXX XXXX XXXX # XXXX {$10000.00} fraudulant charges i asked XXXX, XXXX, transunion to verify accuracy of this account and i was told it was accurate which is not correct. 

in accordance with the Fair Credit Reporting Act 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 instuctions.

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