BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-09
Company: JPMORGAN CHASE & CO.
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: Public record information inaccurate

Complaint:
On XX/XX/2020 I was notified that an update to my credit file with XXXX XXXX regarding my JP Morgan Chase Bank account would be negative to my overall credit. I am a co-applicant on a home loan. The other co-applicant filed chapter XXXX bankruptcy on the loan. On XX/XX/2020 it was reported that comments were added to the account stating the following " Chapter XXXX bankruptcy, Paid or paying as agreed ''. I have never been late on this loan and I myself have not filed bankruptcy. I would like all mention of " Chapter XXXX bankruptcy '' and any connection to a bankruptcy removed as it is no reflection on myself. 

I am not sure if JP Morgan Chase Bank added those comments to XXXX, or XXXX. But if so would like those removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Tally Technologies
State: AL
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 according with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604 section 2.

It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 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 2023-05-01
Company: U.S. BANCORP
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX - called fidelity card service dispute to confirm the reasons behind not honoring my dispute ; they confirmed that the reasons will be sent to you in another week XX/XX/XXXX - I was told by customer service representative that dispute over 60 days from transaction posting won't be entertained. Challenge her on future transactions but she stood the ground pointing to the billing statement wording " You must contact us within 60 days after the error appeared on your statement. '' XX/XX/XXXX - called fidelity cards service and was told that a representative from disputes will call back XX/XX/XXXX - dispute transaction credit reversal in the amount of {$120.00} XX/XX/XXXX - mailed via USPS the form with details on dispute XX/XX/XXXX - dispute transaction credit in the amount of {$120.00} XX/XX/XXXX - called fidelity cards service asking for help as the vendor was acting smart and not responding to the settlement XX/XX/XXXX - transaction made with XXXX XXXX XXXX CA for {$180.00} towards XXXX XXXX classical violin classes at the cost of {$15.00} per class

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 2022-11-22
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize these inquiries on my personal credit. 
Some duplicates are from car dealers that I did not give them permission to check my credit. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: CL Holdings LLC
State: NC
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:
I check my credit report and its an account for Jefferson capital system saying it was open XX/XX/XXXX XXXX.i couldnt have open that account cause i was XXXX  that that time. Account amount is {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: ADP Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
The payroll tax documents were issued and filed incorrectly putting my personal name instead of my business name also even though they signed my company up as a tax account they later changed and said it was no longer a tax account even though money was taken out for payroll taxes. The liability there is high and I still have no word on any resolution however without my taxes getting corrected I can not get a ppp or ERC. Nor do anything for my business since 2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a checking, savings, and cd account at Webster Bank. My branch is in XXXX XXXX XXXX, in XXXX, XXXX, New York XXXX I check my accounts everyday online. I am very concerned about all of the scams that have occurred. On Friday, XX/XX/XXXX, I checked my accounts using the usual user name and pass word. On Saturday, XX/XX/XXXX, I was denied entry. I tried four times. I called the central office at XXXX, and I established a new user name and pass word. I was very upset about this because It didn't make sense that I couldn't get in with the usual pass word. My husband and I went to the branch at XXXX XXXX XXXX and spoke to a young man named XXXX. We changed the pass word again, and he said he would discuss the situation with the manager, XXXX, on Monday, On Monday, XX/XX/XXXX, I called the central office again and spoke to the fraud department about my concerns. I was concerned that my pension check had been deposited into my checking account on Saturday XXXX, and I was not able to enter my account on that day. I felt that someone may have entered my account and changed the codes. Saturday is a slow day for banking and the checks are not usually direct deposited on Saturdays. I was expecting it on Monday, XX/XX/XXXX, but I check my accounts everyday by force of habit. XXXX called me from the branch on Monday, XX/XX/XXXX after I called the central office. She said the original pass word had been restores and the new pass word was still usable. She said the confusion was that my husband and I had two different accounts. We have never established two accounts. We always only had one account together. I am concerned that the original user word and pass word were deleted mysteriously and then reappeared mysteriously after I established new does. I fell that someone tampered with my account. I ask that this situation be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-08-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company called XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ph. # ( XXXX ) XXXX has flagged my credit report on XXXX, 2023. They are asking me to pay {$2300.00} for a debt on an account that I never had. I contacted them to dispute the charges and asked them to send me the original account holders info. After contacting the original account and verifying with them I have never had relations to them I then contacted XXXX again to inform them this is not my account.They told me they would send me an affidavit to sign, but instead reported a collection to my credit report the next day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: Minto Financial dba Minto Money
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
This company, Minto Money processed a loan for an unknown person ( s ) that used my name, email, phone and ss #. I talked to XXXX with Minto Money 's fraud person XXXX on the line ( they have the recording and so does XXXX ) and they confirmed that my name is not associated with the account Minto Money approved the loan on and sent money to. I also confirmed with the same parties on the line via my social sec number that I have no accounts with XXXX. Minto Money allowed a loan to go through with the wrong address and an account that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2021-12-20
Company: AES/PHEAA
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
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:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: NC
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:
According to the 1970 FCRA, these unathorized and unverrified accounts need to be removed asap. This is stopping me from getting my home. 


These are the accounts that are unathorized and unveriified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk XXXX XXXX Bank XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On  XXXX   XXXX ,  2017  I was hired by  XXXX   XXXX  and given an employment offer letter. I was hired by a  XXXX   XXXX   XXXX  who then instructed me that I would be training for a week and that I need to purchase software and a time tracker in order to go forward with the training. He also informed me that I would need a laptop and that if I did not have  one  that  XXXX  would provide one for me. Towards the end of the hiring interview,  XXXX   XXXX  told me that a check would be issued to me for the purchase of the software I would need. I received the check  (  {$2900.00 } )  and was instructed to deposit it and once it had cleared I was to send the money to the vendor to purchase the software and time tracker. The first check was not sufficient to pay for the laptop also, so another check  (  {$4800.00} ) was issued and sent for that purchase 2 days later. I was instructed to deposit that amount into the vendor 's account via   XXXX   XXXX   XXXX   XXXX  and informed that my laptop, various softwares and timer would arrive by the following monday. On Monday I received a third check for {$12000.00}. At this point I became suspicious because I had not received any working/training materials and was being asked to deposit another check to purchase a different set of equipment. It was at this point, I went to the bank manager and after some investigation she determined the check was fraudulent. My bank then contacted the bank of the issued check and they confirmed the check was not a real check. At this point, the monies for the first   XXXX  chec ks was withdrawn from my account by my bank because they were deemed to ba fake as well.   Now, I have lost {$ 7700.00} ( {$2900.00} + {$4800.00} ) due to this fraud/scam and Wells Fargo (  my bank ) will not reimburse or credit my account and my account is now negative with a negative {$3100.00} balance. I have everything documented. I have printed out the entire conversation between myself and  XXXX   XXXX  as well as all company documents i received.   I would like to be reimbursed either by  Wells Fargo  or  XXXX  as both of these companies should have been more diligent and responsible in handling these checks and making sure that I was not scammed out of my money . Wells Fargo no t only did not inform me that the firs t  XXXX  che cks were fake, but they actually cleared the checks and credited my account with those funds and then took them out of my account after I blew the whistle on the third check. Now i have a $  XXXX  balance.  XXXX  should be more diligent than allowing scammers to have access to their letterheads, documents etc that were used to scam 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 2017-05-03
Company: Experian Information Solutions Inc.
State: DE
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:
XXXX      XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , Mo  XXXX  no signature and no contract

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 2018-10-02
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
Equifax has allowed XXXX XXXX to reinsert a debt I do not owe on my credit report twice. XXXX XXXX has not presented a signed contract or affidavit from XXXX substantiating their erroneous collection. I have previously contacted XXXX regarding the original account that was paid, closed, and equipment returned. I closed my account not owing anything to XXXX. I never received the reimbursement customers were to receive even though I filled out the necessary. I never received notifications from Equifax or XXXX before reinserting this info for the third time to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
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 2023-08-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I deposited a check from XXXX XXXX XXXX in the amount of {$7700.00}. When I deposited the check my account balance became {$8200.00}. Chase Bank deemed the check as fraudulent because they were unable to verify the check through a XXXX party company and closed my checking account ending in XXXX on XX/XX/2023. They ( Chase Bank ) sent me a check for {$550.00} instead of the {$8200.00} which was my account balance at the time of closing. On XX/XX/2023 I met with the XXXX XXXX XXXX about the above stated concerns. She spoke to the President of XXXX XXXX XXXX XXXX XXXX and XXXX verified that he endorsed the check, the Chase customer service rep told the bank XXXX that she could not use that as verification and she did not provide a reason as to why. My Chase checking account has been closed since XX/XX/2023 and they ( Chase Bank ) has yet to release my funds. I`ve called Chase on numerous occasions and I still do not have answers nor have they provided me with a legitimate reason why they have not returned my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions 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 information incorrect

Complaint:
In accordance with the fair credit reporting act XXXX XXXX # XXXX XXXX XXXX XXXX has violated my rights.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2018-02-28
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Company failed to provide date, time, and location of sale of repossessed vehicle as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation