BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
The Wire transfer experience has been terrible with chase bank. I have made two attempts to wire money through chase to a study abroad housing for my son in XXXX. The first XXXX was XX/XX/2020, the money was debited from my account for the transfer then was credited back after 4 weeks without notice. During that time, there were numerous attempts to locate the money with the  recipient. I finally found out that the wire transfer team tried to reach out to me for some additional information only via a chase messaging center. No attempts were made to contact me by phone or email. I called Chase and complained about the process being very unclear and as a customer how I am supposed to know about a chase website messaging center without being instructed. This whole experience was very frustrating and time consuming The second attempt to wire the money was made on XXXX XXXX. This time I was aware of their messaging methods and actually received a message on XX/XX/XXXX asking for the same additional information. I did reply the same day with the information. As of today, XX/XX/2020, the money still hasn't been wired to the other end, the recipient is unable to locate it, and I haven't received any messages from chase ever since about delays or missing information in relation to the transfer. So basically my money is somewhere missing. After numerous unsuccessful attempts to reach out to the wire transfer team via phone they put a message to contact them via chase messaging center. This has been unsuccessful as well. They promised to reply back from 24 to 72 hours but this wasn't the case. Not only I have tried to reach out via the messaging center but also through other online means such as request to recall wire, All these request seems to go to a black hole.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
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:
They have XXXX XXXX XXXX XXXX reporting open on different dates on each of my credit reports, more inaccuracies hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I noticed on my consumer report that there was an XXXX XXXX XXXX XXXX that I never opened. I have submitted my theft affidavit and I need this account closed and removed because it is not my account.

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
XXXX XXXX XXXX XXXX XXXX Account has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person 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 2017-05-10
Company: Experian Information Solutions 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:
My original lender was for a debt of  XXXX  which was  XXXX   XXXX   XXXX .  XXXX   XXXX  cooperation debt was sold to  XXXX   XXXX .  XXXX   XXXX  tasked  XXXX   XXXX   XXXX .  XXXX   XXXX  brought a civil suit against me for the amount of  XXXX  and failed to follow through as a result, the case was thrown out and I am no longer liable for this debt. I have made contact with  XXXX  to have this removed. The debt is no longer mine and must be deleted from my credit report. Confirmation  XXXX  and  XXXX  was submitted in online disputes. I submitted a copy of the court record stating that the case was dismissed.

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 2023-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit 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:
They put it on but now I checked and it is gone they have stolen my money and payment I want something done about this. 

This is Capitol One

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Allied Collection Services, Inc. (Nevada)
State: IL
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:
This Health Care facility along with XXXX XXXX XXXX has violated my Health Insurance Portability and Accountability Act ( HIPAA ) Privacy rights.They are in Breach of Notification Rules or the Patient Safety Act and Rule. I did not give any consent to share my Personal health information. Why has this comapny frivolusly reported multiple accounts more than 5 times on my credit file with no consent. Along with violating my HIPAA rights, they are violated my FCRA rights according to the law 15 usc 1681. 
The accounts that are in violation are : XXXX XXXX XXXX Acct # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. 
Allied Collections Service Acct # XXXX. 

Why has this been able to happen?

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 2020-03-20
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have attempted several times to have this company to VALIDATE this alleged debt, to no avail.I do NOT owe this company {$6300.00}. This inaccurate, incomplete, misrepresented account has been removed & reinserted from my credit report a minimum of 4 times in violation of FDCPA Sec 611 ( a ) ( 5 ) ( B ) and reinserted without the pre-requisite 5 day notice before reinsertion, nor has this company complied with my request in accordance with FCRA Sec 609 to provide the original instrument of indebtedness upon my request.I also requested accounting history in accordance with FCBA ( Fair Credit Billing Act ) information request, which entitles me to a detailed account history and info. 



This account was removed on or about the following dates XX/XX/XXXX-XX/XX/2019 XX/XX/XXXX-XX/XX/2019 XX/XX/XXXX- XX/XX/2019 XX/XX/XXXX-XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Warranty was added when car was bought. Company went into bankruptcy and sold company. New company said on phone that company will not uphold warranty agreement. Repossion was done XX/XX/23

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 2023-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting 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:
On XX/XX/, XXXX alerted me to a hard inquiry on my credit report from Capital One Bank USA. I did not apply for this or ever authorize them to review my credit. I would like this inquiry removed ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2023 I inquired my credit report from Experian for first time home buying purposes When I viewed it I was devastated at the inconsistency of the report and began disputing them Personal information My Name is XXXX XXXX It has never been XXXX XXXX Experian for years allowed creditors to report debt to my credit file Under two different social security numbers They had my social security number as XXXX Instead of my accurate social security number This is identity theft Because of this Ive asked to remove all inquiries reporting debt and unless they are willing to inquire the financial liability of those debts from allowing debtors to report to a fraudulent profile then all items shall be removed There are various addresses that I asked to be removed that they claim are verified I only want one address one name on my credit profile Multiple addresses on my credit profile are leasing offices to places Ive never been or dont lead to anywhere Ive also asked that those items are removed because how can you report a debt to a residential source that doesnt exist this is identity theft All inquiries that reported to Experian while they had the wrong personal information on my account especially the wrong social security number should refrain from reporting debt or collection because it is identity theft related As I exercise my rights to privacy and rebuild my credit profile. 

It is my understanding that you will recheck these items with the Experian who has posted them. Please remove any information that was reported in identity theft while Experian allowed debit to be reported under a false profile. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

15 U.S. CODE 1681 15 U.S. CODE 1681B 15 U.S. CODE 1681 C-2 15 U.S. CODE 16815-2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Nelnet today is XXXX XXXX. Nelnet ED I have been pre-approved to by a house. Nelnet I have been pre- approved for downpayment assistance. I can not keep affording to pay this high rent amount. Nelnet your going to make me renew my lease. No lender will accept my credit when they do a hard pull on my credit reports with an amount of debt over {$80000.00} Nelnet fraudulent student loan on my credit reports. This is embrassing for a XXXX XXXX XXXX women. Nelnet you have damaged my credit scores that I can not apply for convenient mortgage and other mortgage products. Nelnet ED by XX/XX/ if your name and your fraudulent student loan that was orginated by XXXX XXXX and a school code of the University XXXX XXXX XXXX was used for consolidation is not removed from my credit reports by XX/XX/. I wll be bring litigation under the Fair Credit Reporting Act. I will bring ligattion against Nelnet ED and the U.S. Department of Education. The U.S. Department of Education has a duty not hire fraudulent student loan servicers like Nelnet ED. Tell the University XXXX XXXX XXXX I am not going to pay them a XXXX and to stop using my credit reports and I have found a newspaper reporter that we are going live on television and tell this story so other people to look at their credit reports that says Nelnet ED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I rented a car from XXXX XXXX. On the XXXX of XXXX. I paid XXXX for the week in advance I returned the car a week later. I was told I owed nothing cause I paid in advance. 3 days later XXXX charges my card XXXX without my authorization because the contract was void because I returned the car. I went to XXXX XXXX XXXX and filled a dispute on the XXXX. They came back and said the dispute wasn't in my favor because I filled the dispute while still in possession of the car and that's no way true because I have all the proof.

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 2023-05-28
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: Self Financial Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Self lender is closing my account after taking my money. I proved I was me after making two payments on the account they closed the account and kept my money saying it was suspicious activity wont give my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: TX
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-20
Company: CIG FINANCIAL LLC
State: LA
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:
Cig financial is still reporting a vehicle that was a total loss on my report. They picked the vehicle up back XX/XX/2022 and sold the vehicle to another person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
This is account advises that I opened XX/XX/2023. I've sent credit reporting letter from 3rd party to have removed as it's reporting negatively on my file as I never gave permission to report. I've not received any correspondence from the company as of XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: DISCOVER BANK
State: CA
Product: Credit reporting 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:
Monthly Credit inquires with Discover Bank are being completed on my credit without any authorization. The account has been inactive and closed for several years but they continue to run soft promotional inquiries into my credit without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28
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: Their investigation did not fix an error on your report

Complaint:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 

I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 

I have also sent a letter to the creditor disputing the late payments, and demanding the immediate removal of the late payments from my account, as well as the production of documentation such as transactional history, billing statements, and any other documents that the law allows me to request from creditors regarding billing errors. The creditor has failed to respond to my request. 

Despite my efforts, the inaccurate late payments remain on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.

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 2019-07-17
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
In XXXX I paid XXXX XXXX a {$300.00} advance via for lease that would cost about ~ {$620.00} x 12 months. When I arrived they requested another full month deposit which out of duress I gave ( I was tired and had nowhere else to go ). A week later I asked for it back because I knew it was not a part of the original deal and they wouldn't return it. So I filed a dispute on PayPal. Because of that, they assaulted me out of my apartment. They pried the key out of my hand as they restrained me and would not give it back. I called the police and showed them I paid rent but they did not seem to understand me. The police seemed to be asking me to leave. There is more information to provide such as stuff left in the apartment, a written but unenforceable contract, refuting what I was told they told to PayPal as their side, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
None of these accounts belong to me XXXXXXXX XXXX XXXX  XXXX is not my address and has never been my address all of these credit cards are closed the inquiries on my credit report are not mines never applied for those merchants

Company response to consumer: Closed with explanation