BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2022 XXXX ( XXXX XXXX, passport XXXX XXXX XXXX ) made a transfer of my own funds to my wife XXXX XXXX XXXX, passport XXXX XXXX XXXX ) from a bank XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) ) to the XXXX XXXX XXXX ( XXXX ). The money transfer went through XXXX XXXX XXXX ( XXXX ) and was blocked on the correspondent account of XXXX XXXX XXXX  ( XXXX ). Presumably due to sanctions against XXXX ( XXXX ). 

Ammount : XXXX USD ( XXXX EUR ) XXXX XXXX XXXX : XXXX Until now, I can not get my money, because XXXX XXXX did not transfer it and does not comment on the situation. I doubt the legitimacy of actions of XXXX XXXX, because : 1. Remitter and benificiary are not in XXXX list. Funds won't be available for any XXXX-party 2. Funds were received by XXXX XXXX XXXX on XX/XX/2022, but sanctions against XXXX were introduced on XX/XX/2022. Those the transfer could and should have been processed, but XXXX XXXX didn't. 

Attached are the transfer details and documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2018 I had two charges for a " Bronze Package '' maintenance from XXXX XXXX XXXX, XXXX.The first charge of {$240.00} was for the " Spring '' check and repair of a leaking air conditioner, and I was told the second charge of {$270.00} was pre-payment for the fall or winter check. I also paid and additional {$200.00} on XX/XX/2018 for addition of " XXXX '' refrigerant to the air conditioning unit. On XX/XX/2018 the same air conditioning unit began to leak again. I called XXXX XXXX XXXX XXXX. and requested immediate action due to this recurrent issue. A technician came and repaired the unit again and attempted to charge me. I informed him I would not pay for this same issue and that I had purchased a " Bronze Package '' and showed him my invoice. He saw my invoice, agreed with me and said he would " take care of it '' and left without payment.

The next day I saw a charge on my Chase Freedom credit card for {$310.00} that I did not authorize nor provide a signature for. I called Chase to inform them of this unauthorized charge as it was still " pending '' the representative advised me to wait as the charge might reverse. I informed the representative that I did not authorize the charge and that I had never authorized the company to retain my credit card information.

The charge did not reverse and I was charged {$310.00} as above. I called Chase and the representative made a conference call with XXXX XXXX. The XXXX XXXX " office manager '' stated I did not purchase a service package and did not provide any explanation of the two charges on XX/XX/2018. She further refused to send an itemize invoice despite the fact that I was charged for " refrigerant '' on the XX/XX/18 invoice and was not informed about any need for refrigerant as I had spent {$200.00} on " XXXX '' refrigerant above. She then hung up the phone on the representative and myself. The Chase representative did not make any further attempts to assist or explain and stated the charges would stand.

I subsequently made multiple calls to Chase regarding this issue and spoke to " manager '' level representatives who told me that a company can keep my credit card information without my consent and charge me and that Chase does not prevent this type of information theft. Finally I spoke to a Chase representative who agreed the charge should not have occurred. Per her request I sent additional information on XX/XX/2018 including the two invoices of which the XX/XX/18 invoice had someone else 's signature and the XX/XX/18 invoice that had no signature.

Within a few days was told the charges still stand without explanation of any additional " review '' that was performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I report the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission identity theft affidavit. Please delete these items as possible as per 15 U.S. Code 1681 c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Foris DAX, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I used crypto. Com and saved my card on file. A couple of days later {$3800.00} was taken from my debit card that was stored on file. Crypto. Com took unauthorized funds from my bank account and will not give it back.

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 2021-08-16
Company: Nelnet, Inc.
State: WA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX, I contacted the Department of Education and XXXX  XXXX XXXX about a Nelnet loan that had been consolidated. They informed me that I would not receive credit for payments made toward Public Service Loan Forgiveness, as a result of the consolidation. Post communication with Customer Support Department the Department of Education agreed to retract the consolidation This would mean that the loan monies paid to Nelnet would be rescinded and the old accounts would be reopened. 

However, Nelnet opened two new accounts with different account numbers and reported two old 90 day late for XX/XX/XXXX notices on the new accounts. These two new accounts with late notices dropped my credit score significantly, Making it impossible to attain an affordable interest rates. 

This was done after I had increased my score due to credit repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
Hi my name is XXXX XXXX. On XX/XX/2021, I sent a letter with respect to incorrect and obscure things on my credit report. Right up 'til today, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being overlooked. Section 611 ( a ), It expresses that inability to examine these things inside 30 days gives motivation to promptly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased speedily. I request that these records be erased quickly or I will petition for suit because of the pressure you have caused me. My data was likewise affected by the Equifax information break and may have gotten under the control of some unacceptable individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was made aware of a collection account on my Equifax credit report showing an account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. First and foremost, I was never sent a notice to my physical address before they sent it to collections which is a violation. I was applying for a house in the middle of the year when I was made aware. I sent verification letters to XXXX XXXX XXXX as well as a validation letter to Equifax on XXXX certified USPS. I also sent another letter to Equifax on XXXX to dispute inaccurate information from XXXX XXXX XXXX as it was showing all kinds of different data on my other reports from the other two agencies.

1 ) Equifax is reporting a high balance while the other two credit agencies are reporting no high balance.

2 ) Equifax is also reporting a Date of Delinquency of XX/XX/2019 while the other two agencies are not reporting which is inaccurate and a violation 3 ) Equifax is reporting XXXX XXXX XXXX as Other while the other two agencies are reporting as Debt Buyer which is inaccurate and a violation.

Per the Fair Credit Reporting Act Section 611 any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity bank calls me at least 7 times a day from all different numbers and even blocked numbers they do no stop harassing me. All because I didnt pay my full amount due on of the cards. Its not even a month passed due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting 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:
XXXX On XXXX XXXX, I sent Equifax Credit Bureau information to remove hard inquiries from my credit report listed below. It has been 40 days and still no response from Equifax. The disputed inquiries must be removed due to the fact that I did not give my written consent to run my credit report. It can take up to 60 days if I send Equifax more information, but I did not. According to the FCRA Laws, I have a right to privacy. 
XXXX, XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My address is XXXX XXXX XXXX  XXXX ny XXXX my old addresses still appear on my report and was asked to be deleted. I provided proof of my address already

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
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:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS, and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have copies of the original creditors documentation on file to verify that this information is 100 % true, accurate, and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX 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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached 2 FTC reports with inquiries I did not authorize

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 2021-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I received a test message along case # with Bank of America XXXXBank of America XXXX and phone number about unauthorized charges on my debit account. This was soon followed up my a phone call ( BOA ) phone. When talking to fraud specialist who identified from BOA, I was scammed into transferring money into XXXX which was suppose to go into a new account for safety purposes. However the alternative acct didnt exist and the money was sent to a third ( scammers ) partys acct. They didnt get the full amount because of the limit of transfer in a 24 hour period. They said they will call back at XXXX am on XX/XX/11 which they never did. I felt something was wrong but they provided personal information and the BOA insignia and phone number. Also the new acct never appeared. I called the fraud dept at BOA and they verified they were not involved in the transaction and it was fraud. They said they would attempt to get the money back but it would be 30 days or longer but since XXXX was used, BOA has no recourse. I got the impression they are just going to go through the motions. They have the Banking information to where the XXXX was transferred but told me it was up to the bank. BOA told me that XXXX has a little warning that says Be sure this is the person you want to send money to before pressing send to Based on the dialogue, BOA contact numbers and text message, I was led to believe I was working with BOA by the scam.The account was opened a month ago. Knowing that people have been swindled and XXXX has been used as a conduit for criminal activity, why didn't BOA warn its customers via a letter or any other form of communication.The real BOA fraud dept knew right away that I was a victim of fraud because they were familiar with the method. Why didn't they share this information with its customers? 

This vicious act has financially decimated me and I have no recourse. Im hoping the you can assist me with recovering the XXXX that was taken from me based on false information or steer me in the right direction. Very grateful for your time and consideration.

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 monetary relief
Consumer complaint received 2023-07-25
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 fourth 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-25
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:
In accordance with the fair credit reporting act, XXXX XXXX XXXX Account has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1668B : A creditor may not treat a payment on a consumer account under an open end consumer credit plan as late for any purpose. 

This creditor 's XXXX XXXX XXXX account XXXX XXXX XXXX  is not mines and I never had a account with this creditor. 

Kindly take this misleading creditor account item out of my credit file as it isn't me. Please And Thank You.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-14
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Good afternoon, I have mailed a payment to my finance company on XXXX and per the money order company it was cashed by my finance company on XXXX. The funds have yet to be posted to my account. My account is now over 60days past due and facing repossession. I am trying to avoid repo action. I have spoken with a supervisor; emailed proof of the money order as well forwarded an email from the money order company to the supervisor. The supervisor assured me that the request was made to research the issue, as well as other representatives have assured me the same thing since I have been calling in regard to this issue. My account has now endured fees, extra interest and my credit has been affected. Each time I have called I am told that my account is under review. It has been too long for no resolution. This is my third complaint with my finance company, and this should not be. If I am being treated of such how many other customers are in this same predicament? Some of the representatives have attempted to collect more of the past due balance by advising me that I owe one amount but in all actuality I owe less. They quote me an inaccurate past due amount. Attempting to collect on an amount that I do not owe. This stresses me even more. I am already taking several medications, and this does not help 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