BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-16
Company: JPMORGAN CHASE & CO.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: NC
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 Repair act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A States I have the right to privacy.

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

15 U.S.C 1681. ( 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 then 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 information is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

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 2023-08-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Subject : Complaint Regarding Fraudulent Actions and Mismanagement by Wells Fargo Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to lodge a complaint against Wells Fargo for their deliberate card replacement and fraudulent misrepresentation of successful repayments on my previously functioning card. 

Recently, due to the bank 's chaotic management, my personal information was once again compromised, placing me at risk of potential fraudulent activities. Consequently, I requested a replacement for my card to safeguard against potential misuse. 

However, after confirming my new card, the system failed to seamlessly transition my previous account details. Despite successfully making payments on my bill, the system falsely indicated payment failures and neglected to acknowledge my successful transactions. I had utilized the ACH card for automatic repayments on numerous occasions in the past, and even this time, my account information displayed no anomalies, and payments were made promptly. 

Wells Fargo 's actions in this matter seem indicative of fraudulent behavior or severe management dysfunction. During a recent call to their customer service, I was repeatedly transferred between representatives, and their discourteous and insolent attitude became unbearable. I could only convey the message that they urgently need to enhance the quality of their services. 

I implore the relevant authorities to thoroughly investigate the fraudulent and mismanagement practices exhibited by Wells Fargo. It is essential to regulate such behavior and ensure that consumers are treated fairly and with respect. 

Thank you for your attention to this matter. 

Sincerely, 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 monetary relief
Consumer complaint received 2019-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have and account with bank of America with last four numbers ending in XXXX on my credit file which was included in the process of debt consolidation with XXXX XXXX, the company got into a settlement amount with bank of America and I made payments for 48 months on this account until the negotiated amount was paid in full, however bank of America keeps reporting this account late and past due in the amount of XXXX dollars which is incorrect, balance should be XXXX and debt paid in full for negotiated amount, when calling bank of America they acknowledge receiving payments ( including one last payment in XX/XX/2018 for XXXX ) but they are neglecting their duty of reporting this to my credit reports causing my credit score to remain low and the adverse effects of having both an incorrect status and incorrect balance, please help me to correct this mistake

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Creditor Name : XXXX XXXX Im accordance with the Fair Credit Reporting Act 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
: also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
In accordance with the fair credit reporting act, credit reporting agencies, have violated my rights, for account XXXX XXXX 

15 US 1681 Section 602 states I have the right to privacy.

( My information has been furnished ) 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1666b Timing of payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2022-07-13
Company: EQUIFAX, 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:
609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account ( s ) listed below XXXX XXXX Last reported XX/XX/2022 {$4500.00} Open balance XXXX XXXXXXXX XXXX XXXX  Original creditor XXXX XXXX  Last reported XX/XX/2022 {$4100.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2022 {$2700.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$980.00} Open balance XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$380.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$66.00} Open balance XXXX XXXX XXXX XXXX Original creditor 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information. 
( XXXX ) Reinvestigation required.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: Synovus Bank
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 information incorrect

Complaint:
XXXX keeps reporting a charge off account as a recent charge off more than twice within the same year and my score has dropped each time that the account was reported. This account was originally charged off in XX/XX/XXXXand twice in XX/XX/XXXX and again on XX/XX/XXXX First Progress has erroneously reported this account as being recently charged off which reflects in a score decrease each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on XXXX, XXXX on TransUnion, XXXX on XXXX. See attached screenshots as proof.

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

Per CUSHMAN v. TRANS UNION CORPORATION ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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 2023-07-03
Company: Upstart Holdings, Inc.
State: GA
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/XXXX, Upstart used my credit card without my authorization. Under 15 USC 1602 ( l ), a credit card is " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' When I applied for a personal loan with upstart, I gave them my credit card information so they could use my preexisting credit and equity to finance an extension of credit, and I was denied. This is a clear unauthorized use of my credit card and an act of fraud. Under 15 USC 1602 ( p ), " unauthorized use '' is use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I received no benefit for the usage of my credit card information in Upstarts application for personal credit. Under the Emergency Banking Relief Act of 1933, the people in the Nation are the creditors to every dollar in circulation. Therefore, there is no excuse for a denial of credit as a XXXX  citizen and consumer. I am exercising my right to credit and asking for the denial to be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 with my written instructions.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the credit bureau, as they have failed to upgrade my credit score despite the fact that my bank has confirmed that a mistake was made and assured me that my score would be upgraded within three days. Despite this, my credit score has not been upgraded and I have proof from the bank to back up my claim. 

This issue is causing me a significant financial loss as I am unable to close on certain deals due to my low credit score. I am requesting your assistance in resolving this issue as soon as possible. 

Thank you for your time and consideration. 

see attached the email that i received from the bank Sincerely, 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 2018-05-24
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Step 1 : What is this complaint about? Being harassed and tormented with e-mails every day for a {$5000.00} loan I have to pay back after I sent them a letter asking them to stop contacting me. One Main completely ignored it. How can I pay them back if I dont have a job? My other creditors are not panicking that I havent made my monthly payments. 
Step 2 : What type of problem are you having? I used to be tortured with phone calls every day to collect the debt. I put a stop to that. Now I am receiving emails every day from One Main. Now I am wondering did I take out a loan from a financial company or did I take out a loan from the mob? 
Step 3 : What happened? I do not have a job, I have been trying to get one since  XX/XX/2017. I have applied for over 250 jobs and have not been able to secure gainful employment. I also applied for a job at One Main. No response from them. I am also working with a job recruiter. When I fell behind on my monthly payments I started receiving phone calls every single day. The gentlemen from One Main stated the status of my account and asked when One Main could expect to receive payment. I explained my situation to him and the next day I got another call from him stating the very same thing. This went on for days. I explained my financial situation to the gentlemen from One Main again and again and asked why he was torturing me with phone calls every day and he told me its my job. So, I called their main branch office and got a customer service phone number and explained my situation to them and they put a stop to the phone calls. Now I get emails every day and now a letter saying they are going to turn my account over to an attorney for collection. Is it lawful for a company trying to collect a debt to treat people this way? I really dont know what to do with this creditor. This company is heartless and relentless. They prey on the elderly who are down on their luck. If I call them they will say the same thing to me again that they always have. When can we expect payment on your loan or we have payment options. What good are payment options when you dont have a job. 
Step 4 : What company is this complaint about? One Main ( lending company ) I wish I had never borrowed money from this company. When you go on the internet for One Main there are 2,902 consumer reviews and complaints. 

Step 5 : Who are the people involved? Myself, XXXX XXXX and XXXX XXXX from One Main.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, 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 

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 has reasonable cause to believe that the information is inaccurate.

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. Code 1681n - Civil liability for willful noncompliance. 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation