BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-24
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:
Our credit card was used fraudulently to make charges at over 3 stores totaling over {$14000.00}. Though we have disputed the charges twice and spoken to their fraud department on several occasions, Chase is failing to clear the transactions. On XX/XX/2021, our card was used at XXXX  Store # XXXX in the amount of {$1200.00} ; XXXX XXXXXXXX XXXX XXXX in the amount of {$4100.00} ; XXXX XXXX # XXXX in the amount of {$9000.00} ; and others. We have since filed a Fraud Report with the FTC and a crime report with the XXXX Police Department. 

These 3 charges were made on the day of XX/XX/XXXX prior to around XXXX at which time we received a text message about possible fraudulent activity at XXXX XXXX XXXX in the amount of {$2900.00}. We replied " NO '' to the text that this was in fact not us using the card at which time the card was canceled. 

It was not until we received our statement that we found the additional charges mentioned above. Chase failed to notify us of the extremely large charges made prior to this. Chase has not been responsive in assisting us with our claim of unauthorized transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: LA
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 MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: OR
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:
No amounts where settled or fixed by XXXX XXXX rather than the scammer falsely claiming to be me. This happened last year. I opened up a bank account with my father and I received a letter about a XXXX XXXX account that was closed but I had never opened it. It was received to my fathers po box which I dont use. I worked and worked my way into finding out by opening credit cards as I worked and always paid on time. I came to the conclusion on who this might be and it is a family member that lives with us. I dont want to be blaming him but it isnt fair that they they thought I was doing illegally stuff when I was doing everything right the legal way. Now I want to do this right by speaking up. Its illegal to be tampering in peoples business this way. Also paid subscription of XXXX XXXX that were going thru a credit card that I never opened up? So there was two XXXX XXXX accounts? I grew and grew to the point where I saw the whole scam being committed by this person. I have not paid these cards ever since XXXX last time I used one was XXXX. I was authorized to my parents credit cards and the person using my name was slowly showing up in the system.

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 2023-10-15
Company: AR Resources, Inc.
State: FL
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 have request multiple times Validation and any or all evidenace of these accounts affecting my fair credit rights, I have disputed These accounts that I have no knowledge about from 1 ) AR Resources Inc Shows in my credit Reports as Act Number XXXX 2 ) XXXX XXXX, XXXX XXXX XXXX Act Number XXXX 3 ) XXXX XXXX XXXX Act XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Navient Solutions, LLC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am formally requested that Navient validate all tradeline listings that had been submitted to the three major credit reporting agencies for Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also requested a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed because of returned, faulty, or recalled consumer products, was not utilized as profit-loss tax deduction during the period it may have been payable and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that also requested competent evidence that I had some contractual obligation in relation to the Debt. 

None of my requests were answered in the past year. 

I have also been the victim of : Contacted me before XXXX XXXX 
Attempting to collect a debt that does not belong to me Threatening legal action and arrest Calling after I requested you to stop Lying and pretending to be lawyers Contacting my family, and friends, about my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I got a credit report stating that i have a new account with capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
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 filed a complaint with the CFPB yesterday and in under a 24hrs Equifax is claiming to have conducted and investigation and response. They continue to allow INACURATE INFORAMTION ON MY CREDIT REPORT as a consumer I deserve to have a credit report that is 100 % accurate. Equifax is claiming that they will send me a letter in 60days. That is 60days of having an account that is inaccurate on my credit report. The worst part is Equifax have fair practice and procedures that they continue NOT to follow. I expect Equifax to delete the Consumer ADJ account OFF my credit report. 
At the VERY LEAST EQUIFAX need to show me the way that this account was verified! I don't believe they can because I DO NOT HAVE AN ACCOUNT WITH CONSUMER ADJ, never gave them the permission to access my credit report, never made ANY PATMENTS but Equifax allows them to continue to " update '' this false information. In order for a company to add an account to a credit report they have to send information to the bureaus I have disputed that information and have also submitted concrete evidence that this account is inaccurate and yet Equifax doesn't delete this information. When I have asked them to send me the information on how they have verified this information they have not let me know how it was even verified. If they are using information from a website that is not 100 % accurate it can not go on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I got approved from HAF program in XX/XX/2022. They stated they would pay my mortgage for 18 months. Payments have been made monthly and now XXXX and XXXX payments were sent to my mortgage company which is XXXX and the mortgage company hasnt applied it. Every time I call the mortgage company they say they dont know anything but the Haf program shows payments were made. I just want my payments posted. Right now there should be 2 payments of {$1400.00} each applied for XXXX and XXXX. My haf applicarion number is # XXXX. My loan number for XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns 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 2020-03-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
For the last few billing cycles I've been paying the full amount due on my account and not making any new purchases ; however, the each time I get my bill for the last two months, I find I owe a small additional amount. First I owed XXXX  dollars, now XXXX  dollars.

This seems to be unfair and deceptive billing practices and I want to lodge a complaint. I also want to ensure I'm not charged a late fee because of this deceptive practices. As a customer I feel I've paid my account in full, have not made any new purchases and lo and behold, I have money due unexpectedly. Since there's no " auto payment '' option for XXXX XXXX you have to manually log in view and pay the bill, increasing the chances for unknown charges in the amount of hidden fees. I believe they may have had a system change in timing for applying fee charges AFTER the customer statement is generated, thereby making it impossible for the customer to fully " pay down '' to XXXX  their account amount. This seems to be systemic abuse of the system, allowing them to charge customers hidden interest fees and collect " late '' charges deceptively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to validate this account. It is not acceptable to treat this reporting account as unverified information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX XXXX  XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-03-07
Company: UNITED AUTO ACCEPTANCE
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company is reporting inaccurate and incorrect information to the consumer reporting agencies. I've made several attempts to resolve this issue with them. Sending out letters giving them notice of the inaccurate reporting and for them to fix the problem. Due to the incorrect information My family and I have suffered hardships and XXXX damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
IC System called me and I requested that they verify the debt and send verification information. They have sent no verification per FCRA. 
I also advised them that the account was likely not mine as it was my ex-spouses account that I would not have been responsible for and had transferred my service to a new service provider. 
I have disputed this account with the credit bureaus, but this company continues to report it knowing it is inaccurate all while never providing verification of the debt.

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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 non-monetary relief
Consumer complaint received 2023-04-24
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
back in XXXX of 2021 i was robbed online XXXX dollars was taken out of my account. I then contacted suntrust now truist bank immidately letting them know of the fradulent charges done to my account. They then issued me a credit while my case was investigated. In the end they ended up denying my case and the credit they issued was then removed from my account setting my funds at a total of zero. this whole situation has ruined my life I am working two jobs 7 days a week i can barely survive. I have done everything in my power to try and get this situation taken care of but i am at my wits end. I am so upset and appauled at how the bank handled what happened to me they never once called me or flagged my account or locked it to let me know of this fraudulent activity. As a bank this was there job to protect there customers and they didnt do that. I have filed a police report went to lawyers and went as high up as i can with truist bank. Nobody will 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
Consumer complaint received 2019-01-07
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I did not have enough money in my account when my mortgage payment was presented for {$840.00}. Wells Fargo went ahead and paid the check which put my account into overdraft by negative {$330.00}. I would have never wanted this to happen. Now I am having other fees for other transactions that came through. I was charged another {$35.00}. fee for a {$5.00} transaction that was paid. The {$5.00} transaction would have gone through if they had never paid the {$840.00} transaction when I did not have the money in the bank. I understand that I should have balance my account better. I over budgeted and things happened. I could have just called my mortgage company and made arrangements with them. Now I do not have money to take me to my pay day, I have other transactions coming through that I am getting charged {$35.00} for. This is not fair to me. I do think the bank should be allowed to pay for a transactions that is going to overdraft my account for {$330.00} at least without letting me authorize or approve it first. I have the ATM Overdraft on my account, but it will ask me first if I want to do this and let me know that there is a fee. I would have preferred that the bank would have sent this back with out paying this and not charge me any fees if something else came through, especially for {$5.00}.

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 monetary relief
Consumer complaint received 2022-07-11
Company: Experian Information Solutions 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:
Looked at credit reports and seen fraud and swindles all negative remarks are swindles and fraud ... XXXX XXXX Office of attorney general loan. XXXX XXXX loan. All late payment on any account.. XXXX XXXX and experian

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 2020-03-15
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:
These are not my accounts nor did I authorize these merchants to conduct an inquiry. Also, there are names and addresses that I don't recognize on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
New information ( proof ) that a new card was issued to me. I was working with XXXX XXXX with not much luck, she advised me that she never saw any notes that would verify what I have been saying that two managers have submitted request so that I could get this account reopened. I never on this account because I was advised by your management not to pay on this account until it was resolved. I received a new card that my neighbor got in the mail they were out of the state so I'm just receiving it. They have the same address but different on a different street then me, so a new card was given. I am more than willing to pay the balance due on this account but I would like the account to be reopened based on the previous managers saying that because my account was closed after I made a pmt without being advised. XXXX XXXX did not listen to me to really help me. Please reassign my account so that we can stay in business together, I would appreciate it. Contact me at XXXX XXXX XXXX. See attached cc and reissued cc that has not been activated as proof one was indeed issued

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 2018-02-15
Company: Experian Information Solutions Inc.
State: IL
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:
I have contacted the corresponding court and they have admitted in writing that they do not furnish the credit agencies any information. 

I have also reached out to XXXX before XX/XX/XXXX and also on XX/XX/XXXX, and XXXX has suppressed any information to any alleged public record on my file and they send me a letter to that fact.

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 2023-09-20
Company: EQUIFAX, INC.
State: VA
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE 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:
I am a victim of identity theft

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