BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-27
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
OnXX/XX/21 my Chase bank account was hacked and they wired funds out of my account. I immediately ( within 30 min ) notified Chase of the problem both verbally ( on the phone ) and inside a branch. I filed two Affidavits because there were two unauthorized wire transfers so an Affidavit was filed and submitted for both wires onXX/XX/21. One wire transfer was for {$11000.00} and the other for {$12000.00}. They told me that it would take 5 business days and they would update me on the status. I didn't hear anything in 5 business days so I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on the XXXX after chase staff called I received {$11000.00}. So I called XXXX, XXXX and when I called on the XXXX they told me that they couldn't recover my {$12000.00} and that there was nothing else that they could do and that it was my fault.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i paid my loan, the creditor went report an inaccurate late payment on my credit report i want them to remove it immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : 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 an account without 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 non-monetary relief
Consumer complaint received 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : 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 an account without 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 2023-09-11
Company: Experian Information Solutions Inc.
State: TX
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:
recently my information has been stolen and these are fraud reports.

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 2020-04-13
Company: EQUIFAX, INC.
State: CO
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:
This is the second of 2 complaints Im filing against Equifax today regarding Equifaxs continued violations of my rights under the FCRA. On XX/XX/2020, I sent an envelope via certified mail to Equifax containing two letters labeled Enclosure 1 of 2 and Enclosure 2 of 2. The USPS.coms page XXXX XXXX XXXX  shows that my mailing was delivered to Equifax on XX/XX/2020 at XXXX XXXX. Enclosure 2 of 2 was a Factual Dispute Letter regarding their reporting of accounts for XXXX XXXX, XXXX, and XXXX XXXX XXXX on my credit report ( please see attachments ). The 30-day time frame given for Equifax to investigate my factual disputes passed on XX/XX/2020. At XXXX XXXX today ( XXXX ), I called Equifax inquiring about the status of my factual disputes. After a long hold, I spoke with their representative named XXXX. While XXXX acknowledged receiving Enclosure 1 of 2, she told me they did not receive the factual disputes listed in Enclosure 2 of 2. XXXX offered to start a dispute for me via the phone. I adamantly refused! When I asked to be transferred to a supervisor, she put me on hold and then disconnected the call! I have proof Equifax received my mailing with 2 letters enclosed and have no intention of waiting an additional 30 days for them to respond to my request. Equifax is once again in violation of the FCRA. I believe Equifaxs goal is to intentionally cause me further harm by refusing to acknowledge and process my factual dispute and I demand they immediately delete all references to XXXX XXXX, XXXX, and XXXX XXXX XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
They are reporting a collection account in the amount of {$1500.00} with XXXX XXXX XXXX XXXX on my credit report. This is not my account. I have disputed this debt several times with the credit bureau.

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 2023-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Back in XXXX I contacted Bank of America for fraudulent charges posted to my account. They filed claims on my behalf and I NEVER received anything regarding my claims. This happened so many times I had to call to cancel my card and get new ones, still never getting my money backs. Finally in XX/XX/XXXX claims were filed again to which ONE claim # XXXX was resolved in my favor for {$390.00}. Claim # XXXX for XXXX XXXXXXXXwas denied! All transactions should have been one claim because they are the same merchants! How can one be approved and one denied?! Makes no sense. Also, in XX/XX/XXXX I was credited back the international transaction fees associated with the fraudulent charges with no letter, nothing. I have given BofA every bit of information requested and then some. I need my money back please!

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 2020-04-13
Company: Army and Air Force Exchange Service
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Air force and Army Exchange has repeatedly confiscated my federal tax returns through the Treasury Offset Program since XX/XX/XXXX for a ( {$1000.00} ) debt incurred in XX/XX/XXXX. They have not reported or updated information to the credit bureau for several years, and it appears nowhere in either open or closed accounts. They have not provided me with reciepts, or balance sheets, or account statements of any kind, by any means at any time since XX/XX/XXXX. My XX/XX/XXXX return was only partially confiscated, and I recieved what was left over, indicating the account was paid off. This year my XX/XX/XXXX tax return was just confiscated in it's entirety, {$940.00}, and I was given no record of amounts owed, paid, or received, and this account can not be found on any credit reports. I believe they are fraudulently churning old accounts, and stealing the money whenever they want. In my attempts to contact AAFES or Military Star Card customer service, they claim to have no information of me ever having an account, and claim I am not in their system. I do not know how to resolve this matter in any any other way than to use my Protected Veteran Status to begin legal action against AAFES, TOP, and the IRS. In regards to my XX/XX/XXXX tax return theft TOP, Trace # XXXX and Account # XXXX Please help me get my XX/XX/XXXX tax refund returned to me as it was confiscated through illegal means.

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 2021-05-27
Company: Associated Credit Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I keep getting harassed by a company called Associated Credit Services accusing me of owning a debt I don't owe. I have told them multiple times they are barking up tree but they will not listen They are incredibly rude and condensing on the phone and when I ask for proof and paper work proving this debt than can't provide The worst/most fishy part is they refuse to speak any details of the " Business matter '' -- -- -I 'm not a business and as a retired vet i don't do " Business '' -- -wiith me providing all kinds of PII ( Personally Identifiable information ). 

But nope, they just keep calling. without being able to even provide evidence of this debt I spent the last 5 years recovering from severe  XXXX from XXXX and have been living a semi-normal life for the first time in a long time. These non-stop calls and attitude have triggered multiple panic attacks in me. I have not had a XXXX XXXX in over a year and a half until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Experian Information Solutions Inc.
State: NE
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:
They are reporting a collection account in the amount of {$7800.00} with XXXX XXXX XXXX. This is not my account. I have disputed this item several times with the credit bureau.

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 2019-06-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I have a fraudulent that I am the alleged co-signer of. The requested amount id XXXX for one and the other is for XXXX. These loans have conflicting information. The D.O.B. does not match and neither does the signatures. None of the information was verified by the school or loan servicing department. The school was XXXX XXXX XXXX in XXXX which is closed down now. This information is not in my writing. The main issue is that this paper work is clearly fraudulent and they are acting like they need more proof. I've been victimized and Navient is continuing the abuse by honoring obvious fraud that should have never went through the system to begin with. I could not select the proper XXXX XXXX XXXX because I didn't have that option but it happened in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Beginning XX/XX/XXXX as I began apartment hunting, I ordered my credit report and noticed a charge from " Hunter-Warfield, inc. '' a debt collector, that was placed on XX/XX/XXXX, on all XXXX of my credit reports. I was not aware of this debt and knew I did not owe it. I disputed this charge with Equifax and Transunion. The debt was declared valid since I did not include any supporting documents. I contacted " Hunter Warfield '' via the number on file. The representative stated the charges came from " XXXX XXXX '' aka " XXXX XXXX. '' The rep stated that the company only had to show a lease to prove this was a legitimate debt and have it placed on my credit reports. ( After learning who had placed this charge, I was able to determine what documents I needed to show ) I explained to the rep. that I have court documents to prove that I owed a XXXX balance, and that this charge was not a legitimate debt, and that it was " falsely '' placed on my credit report. I sent the court documents via email on XXXX, XXXX, XXXX to " Hunter Warfield , inc . The rep. verified that she received the documents, but stated that she had to wait on the company 's response to their inquiry before proceeding to remove the charges. I disagreed due to their falsifying of information initially, but I was left no choice but to allow them to follow the steps they state they are required to follow. However, I feel that no actions may be  taken to remove this false debt from my 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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did NOT give these companies listed WRITTEN, VERBAL CONSENT for them to pull and report to a unaffiliated 3rd party. which is TRANSUNION. I never gave Transunion Written or verbal permission to report this information. These companies also never gave me the FULL DISCLOSURES option to OPT OUT? this is a violation of my consumer rights. please delete pursuant to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

DELELTE ALL INQURIES LISTED BELOW : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX the law says that these companies can not disclose my information to a unaffiliated third party. so why is Transunion reporting these inquires on my consumer report when I never gave them written permission to report in the first place? please delete

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : Experian : XXXX XXXX XXXX Balance : {$5800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX PROGRESSIVE INSURANCE ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} FST XXXX  XXXX Balance : {$170.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$640.00} XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX Balance XXXX {$170.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$640.00} XXXX XXXX Balance : {$0.00} XXXX : XXXX  ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$450.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$270.00} 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 2022-05-12
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : 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 an account without 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 2022-05-12
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX BANK 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 without 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 2023-12-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2023-09-09
Company: American Credit Acceptance, LLC
State: IL
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 recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX  ) of any sort.

In regards to The company ( XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.

Company response to consumer: Closed with non-monetary relief