BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: JPMORGAN CHASE & CO.
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Around the beginning of XXXX, I realized someone had made close to {$2300.00} worth of unauthorized purchases with my debit card. I contacted Chase to file a dispute. They issued a temporary credit. A couple weeks later, I received notice that they would be debiting the credit as the charges were authorized. I contacted their customer service and they told me the charges had come from my IP address and asked if anyone else lived in my home. I replied that my husband and XXXX kids did. He asked if I thought it could be one of my kids and to call back if I found out that it was one of them. Never in a million years did I think it was possible but after speaking to one of my boys, I discovered he made the charges. I called Chase back to reopen the dispute and a different rep told me there was nothing they could do. That since it was one of my kids then I still benefitted from the purchases. I most certainly didn't authorize or benefit from any of the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing this due to non-compliance with XXXX, XXXX and Transunion. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2023-05-24
Company: V and H Portfolio
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:
A collection account appeared on my credit report that I have no knowledge about or what it's for. The company is Vance & Huffman LLC and the amount is {$4300.00}. I do not have an account number as XXXX does not provide account numbers. Account shows active but I have no knowledge of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: NY
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:
Ive been trying to dispute these accounts several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following accounts are listed below : XXXX XXXX XXXX XXXX Balance Owed : {$140000.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$840.00}, DPT EDXXXX XXXX XXXX Owed : {$7500.00}, XXXX XXXX XXXX Balance Owed : {$7100.00}

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 2023-11-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XX/XX/2023 I contacted citizens bank about my online account profile being locked. Customer rep. said that I will receive letter explaining the closure of account. In the meantime I didnot receive the letter so I contacted them on XXXX XX/XX/2023. They again said that I will receive letter in my mailbox. It has been 12 business days and I have not received any letter yet. Before that I deposited two checks and were confirmed to be cashed by the bank. I have any received any refund check yet as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Overdrawn reimbursement of obersrft

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 2023-05-24
Company: Experian Information Solutions 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:
My name is XXXX XXXX SSN XXXX XXXX XXXX I had an account with XXXX ( XXXX XXXX XXXX ) that was reported delinquent on XX/XX/XXXX. 
The account switched hands to a third party collection agency XXXX account in XX/XX/XXXX. 

The account still shows negatively on my XXXX, Experian, and XXXX Accounts. 
The limit posted by the CFPB for reporting delinquencies, and lates is 7 years.

Please help to remove and expunge this debt immediately. 


Thanks so much! 

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 2021-11-08
Company: Aequitas Capital Opportunities Fund, LP
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
CarePayment sent me a " bill '' in the mail and they have violated several sections of the Fair Debt Collection Practices Act. 

1. They included language on the front and back of the envelope that imply that I am in debt. That violates my consumer 's right to privacy and also violates section 15 USC 1692F8 of the FDCPA. All mail carriers and everyone who is at my abode location sees this information!

2. They also stated in the letter that I owe {$120.00}. That is also a violation of the FDCPA section 15 USC 1692B2 because it states that you CAN NOT state that such consumer owes any debt.

3. The Truth In Lending section says that in ANY consumer credit transaction the finance charge is supposed to be the SUM OF ALL CHARGES and there are to be no cash comparable type transactions included. That means I am not supposed to be billed anything under a consumer credit transaction. CarePayment is in violation of federal law 15 USC 1605 AND 15 USC 1692E10. They are using false representation and deceptive means to attempt to collect an alleged debt concerning a consumer.

4. CarePayment also used obscene and profane language in the alleged " bill '' that they sent to my abode location. They used threatening language in the contents of the mail to persuade me to pay a bill that I am not supposed to be billed anyway. They used threatening language of adding late fees 5. CarePayment also violated section 15 USC 1692 ( 2 ) ( A ) of the FDCPA. They falsely represent the character, amount, and legal status of an " alleged '' debt that they sent to me in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions 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.

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 explanation
Consumer complaint received 2023-11-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
ON XXXX XXXX XXXX XXXX  NOTICED MY TD BANK ACCOUNT WAS DISCONNECT FROM MY EXPERIAN ACCOUNT WITH-OUT MY PERMISSION, I IMMEDIATELY CALLED TD BANK SPOKE WITH THEIR REPRESENTATIVE AN EXPLAINED MY SITUATION, TD BANK WOULD NOT RESOLVE MY PROBLEM OF RECONNECTING ME TO MY EXPERIAN ACCOUNT. 
 
I NEED HELP 
WITH THIS PROBLEM IT HAPPENS EVERY OTHER MONTH!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Bread Financial Holdings, Inc.
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:
Someone opened a fraudulent account using my personal information : Comenity bank Victoria sectret. This is NOT my account and I would appreciate the immediate removal of this account from my credit. Please note the attached FEderal Trade Comission report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: U.S. BANCORP
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:
This credit card is from a U.S.Bank ( Skypass Visa ) affiliated with XXXX XXXX, rewarding mileages and discount on XXXX ticket purchase and VIP lounge passes. 
Every year I am supposed to received two XXXX XXXX VIP lounge passes. 
However, I have not received anything for the last 3 years. 
On XX/XX/XXXX, I called the US Bank customer service and inquired about the VIP passes. 
They simply said they dont know and just wait. 
They also said the vip passes are good for one year so they can not send anything for the year XXXX and XXXX. 
They should say they will send me the back order passes XXXX, XXXX and XXXX but they would not help me at all.

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 2021-11-08
Company: Experian Information Solutions 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 contacted XXXX but there is only the option to get a copy of the report through an automated system at XXXX. There is not a live representative. I received a denial letter for a company I did not apply with. I have not been employed since XXXX when XXXX impacted employment therefore I have not applied for credit with anyone in the last year. In fact XXXX makes 2 years of me not attempting to obtain 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 explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions 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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute the specific account in my credit file that does not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this : XXXX XXXX  XXXX... Balance : {$9300.00}

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 2021-05-13
Company: WELLS FARGO & COMPANY
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:
XX/XX/2019, WF CRD SVC reported an account to XXXX XXXX and XXXX. I requested that this account be removed from my credit report. the account was never removed from my credit report. I am asking for verification of this debt. the social security that the company has on file does not match my social security number. I haven't opened any accounts with this company. I am also having issues purchasing a home because of this account on my credit report

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 2018-07-03
Company: SELLING SOURCE, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have received my XXXX XXXX report and see that XXXX XXXX has pulled my report multiple time without my consent, I have never applied for any of these companies. 1. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: NE
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 paid off close to {$50000.00} in student loans in the last few years. XXXX XXXX  in Tennessee is not reporting this information to the credit reporting bureaus. The credit reporting bureaus all show I have {$20000.00} worth of student loans unpaid and I have paid them off 100 % and this information needs to be reported.

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 2023-09-15
Company: EQUIFAX, 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:
My information was involved in the equifax data breach and I ended up having unauthorized accounts and inquiries listed on my credit report. these accounts are invalid, inaccurate and incorrect. inaccurate credit reports directly impair the efficiency of the banking system and is hurting my reputation because these accounts and inquiries were not authorized by me. I need them removed immediately because this is hurting my chances at getting another mortgage. I included the letters that I sent out more than 30 days ago. I haven't heard from the credit bureaus yet and I know that have to respond within 30 days. this is unfair and I am being taken advantage of. I included my identifying documents with my letters and I need these disputed accounts removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
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 my multiple request 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX BalanceOwed : {$0.00} XXXX XXXX XXXXXXXX **** Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$530.00} XXXX XXXX XXXXXX/XX/2023

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 2023-05-25
Company: John C. Heath, Attorney at Law, PLLC
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I paid Lexington law services for a trial a five day or something to repair my credit .. well then it didn't do anything but every week there was a charge even though they said they would not charge unless theydid something they never accomplished or did anything even though they took my money and I was getting the run around about a credit letter they said I could get but it changed everyday it was a different story

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This letter is regarding account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which you claim my account is chargeoff. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting, validation, that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue, I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please note : This notice is attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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 2018-10-09
Company: Nelnet, Inc.
State: AL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ok, SO! On XX/XX/XXXX I see 2 installment loans from the XXXX XXXXXXXX XXXX  XXXX : one in the amount of {$2500.00} and another in the amount of {$2500.00}. THESE WERE NOT OPENED BY ME and you can see how much just pure XXXX I've been put through ever since XXXX when my husband started using my SSN AND out children 's to file taxes. I've had SO much stuff on my accounts that I've had to fight until I just felt like giving up because I can't. The XXXX XXXX XXXX XXXX XXXX remarks are so rude. They're just like nope this is you and that stands. Ok WHY. WHY DOES IT STAND WHEN I NEVER APPLIED FOR THESE LOANS? LOOK at my history! I'm having a problem now with FOUR fraudulent hard inquires showing up on my credit report and Equifax can't even confirm my idenity with my OWN SSN, DOB, OR NAME. WHAT DO I HAVE TO DO TO MAKE THESE HEARTLESS, CRUEL AND UNCARING PEOPLE SEE THIS IS RUINING MY LIFE. I'M SO TIRED OF FIGHTING BUT I CAN'T GIVE UP BC I CAN'T EVEN GET A {$500.00} LOAN YET I'VE HAD AUTO LOANS AND PAYDAY LOANS AND STUDENT LOANS AND ALL KINDS OF EXCUSE MY FRENCH BUT XXXX GOING UNDER MY NAME! The proof is THERE!!! They just are too wrapped up in themselves to realize this is causing ME to suffer bc i can't even rent a decent place to live or build any kind of future for myself bc they are flat out REFUSING TO ADMIT THEY ARE WRONG!!!! PLEASE PLEASE SOMEBODY HELP ME. IT'S THE XXXX XXXXXXXX XXXX XXXX ... THEY DON'T CARE IF IT'S THE TRUTH OR NOT BC THEY DON'T CARE ABOUT US AS PEOPLE BC THEY ARE FUELED BY GREED AND SELFISHNESS. I WILL KEEP FILING AND KEEP FILING until somebody does something about this. I'm sorry I'm upset but enough is enough I'm tired if this!!!

Company response to consumer: Closed with explanation