BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX : Bankruptcy Date Filed : XXXX XXXX, XXXX Reference # : XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : 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 explanation
Consumer complaint received 2020-08-02
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I went into XXXX to talk about possibly setting up a plan. The man had me fill out all my information and then presenting an outrageous price for phones and I walked. Come to find out, the employee still opened an account without my consent. I've tried handling this with XXXX and they keep saying because I dont have a pin I can't get into the account. Well it was illegally opened so how was I supposed to get my pin. My credit has now been hit for four years because of their worker. This happened in California.

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 2021-07-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I AM A VICTIM OF FRAUD, IDENTITY THEFT, and or BOTH and I HAVE IDENTITIFIED these ACCOUNT and its derogatoriness as being associated with the mentioned unfair circumstance. As is my consumer right to do so, I here now DEMAND BLOCKAGE of this claims reporting and additionally demand ERADICATION of claims debt ( s ), if any, should the alleged data furnisher fail to timely and adequately validate the claim in whole in writ document form undoubtable. I FURTHER DEMAND that any associated events and or accounts and or reported data be as well fully eradicate and permanently so. FRAUDULENT events OR those resulting from identity theft can NOT be adequately compliant in its report-ability NOR its adequate ethical collectability and the DEMAND is that either is to cease immediately and permanently. ** I am not a debtor. I am a Secured Party Creditor that DISCHARGES ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHS. 48 49.

JUNE 5, 6, 1933 HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917 ** ** Brady v. U.S., 397 U.S., 742 at 748. Waivers of Constitutional Rights must not only be done voluntarily, they must be knowingly intelligent acts done with sufficient awareness of the relevant circumstances and consequences ** ** 18 U.S. Code 241.Conspiracy against rights : If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States , or because of his having so exercised the same ; They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated sexual abuse or an attempt to commit aggravated sexual abuse, or an attempt to kill, they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be sentenced to death. ( June 25, 1948, Ch. 645, 62 Stat. 696 ; Pub. L. 90284, title I, 103 ( a ), Apr. 11, 1968, 82 Stat. 75 ; Pub. L. 100690, title VII, 7018 ( a ), ( b ) ( 1 ), Nov. 18, 1988, 102 Stat. 4396 ; Pub. L. 103322, title VI, 60006 ( a ), title XXXII, 320103 ( a ), 320201 ( a ), title XXXIII, 330016 ( 1 ) ( L ), Sept. 13, 1994, 108 Stat. 1970, 2109, 2113, 2147 ; Pub. L. 104294, title VI, 604 ( b ) ( 14 ) ( A ), 607 ( a ), Oct. 11, 1996, 110 Stat. 3507, 3511. ) **

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX : XXXXXXXX XXXX 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.

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 2022-02-23
Company: FinCo Services Inc DBA Current
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a {$600.00} dollar check from my XXXX account on the XXXX of XX/XX/2021 to my Current Bank checking account. The check cleared and everything was good. On the XXXX of XXXX around XXXX {$600.00} was removed from My Current Bank checking account because the check that I deposited from XXXX months ago was canceled. After speaking with the Current customer service rep she couldn't give me a good reason other then to check to see if XXXX canceled the check. After speaking with XXXX, they have no documentation on the canceled check. They see the funds going to Current Bank but not coming back to the XXXX account. So now {$600.00} has vanished out of thin air and no one will take responsibility. 

Receipt number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-17
Company: CBC Companies, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX ) did not have permissible purpose to access my credit report. Thus they could not certify permissible purpose to the CRA 's and Factual Data. Section 604 defines permissible purpose - " In accordance with the written instructions of the consumer to who it relates ''. XXXX, XXXX, XXXX, Factual Data, and XXXX, circumvented and violated the law by not having written instructions from the consumer to allow accessing credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence.

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 2022-11-16
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I did a mobile deposit payroll check from my employer. XXXX XXXX XXXX in Ohio. I received notification from chase that it was being processed and would be available XX/XX/XXXX. I called XX/XX/XXXX to make sure that was accurate, XX/XX/XXXX being a holiday and the gentleman said yes at the latest the XXXX. XX/XX/XXXX I check my account and it says the check availability changed to XXXX called chases deposit XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX stated she would need to call my employers bank ( XXXX ) to XXXX she could lift the hold. She returned to the phone and said the XXXX rep stated the check was not good and was returned for insufficient funds. That same morning I contacted my employer who sent me documentation the check had been processed and cleared. I spoke with a XXXX rep that stated the check had cleared and no one would've told them the check was bad or returned. I called back to Chase 's deposit review dept and was told by the first rep there was a hard hold by the system and no one could override it, no fault of my own it was the system. I asked to speak with a manager, she stated he was going to tell me the same thing because no one in chase could override this hold. He stated my employer was known for bad checks and the check looked suspicious so the security team needed time verify its validity and wait until the check cleared. Once I made him aware I work a city government position and they have provided me documentation it cleared so there was no valid reason to hold my funds, he stated well we need to make sure they don't reverse it. It was a payroll check not a personal check. I asked to be transferred to the corporate office because everyone had a different reasons and I felt like I was being profiled. I put in a claim with the corporate office who said they would investigate. XX/XX/XXXX I received a message from Chase XXXX stating there was a hold and to reach out to their XXXX XXXX team to see if it could get lifted. This time I was told the check was being reviewed by the security team for validation. How is a check that has been proven to be good, processed, cleared and paid still be getting checked for validation. At this point they are withholding my funds for no valid reason and to keep insinuating the check may be fake after its been verified I am a public employee. This is profiling and discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Date claim was originally filed : XX/XX/2020 Claim # XXXX On XX/XX/2020 I, XXXX XXXX, purchased two tickets for flight numbers : XXXX XXXX, departing XXXX XXXX on XXXX XX/XX/2020 at XXXX and connecting at XXXX or XXXX XXXX XXXX XXXX XXXX XXXX flight XXXX  XXXX on XX/XX/2020 destination, XXXX XXXX . 
I planned to return on XX/XX/2020 on spirit flight number : XXXX  XXXX ( XXXX or XXXX XXXX XXXX XXXX ) at XXXX and departing from XXXX at XXXX on Flight number XXXX XXXX arriving in XXXX XXXX XXXX XX/XX/2020 at XXXX. 
I/Account holder, XXXX declare that I was denied the benefit agreed upon by said merchant which was intended by Account holder to be in exchange for Account holders authorized payment. 
I/Account holder authorized the payment of {$450.00} contingent upon me being allowed to board the purchased spirit flights Numbers on the date and time agreed upon:1 ) XXXX  XXXX and XXXX ) XXXX  XXXX I have knowledge and believe that the Chase bank claims Investigator who biasedly determined my claim did so without proper evidence or true facts. I believe that Chase Bank is working in concert to deprive Account holder of reserved rights and money or wellbeing. 
The merchant has willfully mislead Chase Bank Investigator 's by erroneously stating that I/Account holder actually boarded said flights. 
I declare protest to the herein referenced bias unsupported theory which has been presumed as facts or truth by Chase Bank Investigator 's.

I/Account holder has/have Disputed the foregoing transaction and Chase Bank Investigator 's not only refuse to do a proper Investigation into this matter. Chase bank denied my claim based upon hearsay and or opinion and not actual material facts as required. Then after I/Account holder filed appeal, Chase Bank denied it erroneously stating that " the debt was already charged off ''. This can't be true because The funds were actually taken from Account holders Account. No charge off. 
Chase bank has a duty to act under the directive of the account holder and willfully refused to act in the interest of the account holder in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
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:
XXXX is an account that has reported to my TransUnion credit report on XX/XX/2018. I have absolutely no previous business with this company. I dont know who this company is. This is Fraud! I need this to be deleted and removed from my credit report immediately 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 explanation
Consumer complaint received 2020-06-02
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
FCRA - collection agency put this on my credit report without validation, no communication via email or letter correspondence. Need to verify debt. Not time this is almost past statue of limits for the state of Tx unlawful practices payday loan company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$180.00}, XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022, XXXX XX/XX/2022.

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 2022-11-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Date : From XX/XX/XXXX to now Bank : Chase Amounts : {$28000.00} on savings, {$18000.00} on checkings Complaints : 1. I am not receiving the fund 2. There's no XXXX on closure 3. There's no any update on my case since XX/XX/XXXX, when the money was cashed out into checks, as the mail they sent to me showed. We can't tell whether they are actively working on it. 

Whole Story : On XX/XX/XXXX, I was informed that my checking/saving accounts were to be closed by Chase, and they promised to send me the check within 10 business days. But as of today, they still didn't do anything yet, including asking me questions on any suspicious transactions they think, sending me remaining funds, or just providing an XXXX, etc. 

Actions I Tried : 1. Ask customer service 2. Ask banker in physical branches 3. Ask Chase complaint department All the three actions result in the same answer, that is they can not provide any update on this issue, and there's no way I can talk to the person whoever owning my case. 

Potential Cause : There were a few amounts of money transfer into my accounts might looks suspicious. They were from a friend 's friend, to pay me USD from XXXX I paid him. I didn't know why he divided into small amounts from different accounts at that time, but it seemed suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$1500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: TN
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 report shows that my social security number had been leaked on the black Market and upon my investigation of my credit report I found fraudulent accounts and inquiries when disputed with the credit agencies they refused to take the accounts off and said that they had been verified

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 2017-03-21
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Hunter warfield has continued to report false information to the credit reporting agencies. Hunter warfield has been exstremly neglegant rearding aquring accurate account information on behalf of the creditor XXXX. After being removed from my credit report in XX/XX/XXXX, Hunter warfield has falsley reported yet again on my credit. I do NOT owe XXXX dollars to XXXX. in XX/XX/2015 i was late on my rent of XXXX $ and was subsequently evicted in XX/XX/XXXX. my least of 1 year was up in XX/XX/XXXX. I paid the amount of XXXX $ to XXXX. according to the laws of TN the carpet must be changed every 4 years and the previous owner of the aprtment as there two, I was there two, yet eagle point charged me XXXX for carpet. eagle point then charged me for XXXX mis for clothes that were on the floor. The state law stattes that apartments may not profit from the eviction. Hunterwarfield has not provided me a recipt from the carpet nor the claening. so in truth, there are no real charges to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2017-12-16
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
american express claims that the charges on my statement that ive disputed were valid which is a lie.i have never made these purchases.they are fraudulent imam not paying for something that ive never ordered.i demand that american express investigates and credits my account or i am going to FILE a complaint with the FTC and the Better Business Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief