BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
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:
To whom it may concern : My chase bank account number : XXXX has been closed for no reason and the funds in my account are on hold without any reason. 
The bank stating that they are doing an investigation without giving any explanation I depend on my funds and they holding them I demand release of my funds immediately first they closed my account telling me they have the right to terminate my account at any time per terms and agreement but they don't have right to hold my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had downloaded an app from XXXX on my iphone on XX/XX/XXXX that I saw an add for that stated its service would allow you to see what kind of person your soulmate was. Upon downloading I realized it was a horoscope app that was confusing and difficult to navigate. I spent about 3 minutes in app and that's it. I forgot to delete the app and was charged {$29.00} on XX/XX/XXXX. Yes I am to blame for not deleting the app, but I also did not have a card on file that could be charged. XXXX proceeded to charge it to a card I had cancelled when I reported it lost/stolen on XX/XX/XXXX to cash app. It is a cash app card. I first filed a dispute with XXXX that was denied. I asked for a review which was also denied. I then contacted cash app wich has denied my dispute 3 times in app. I filed a complaint with the XXXX I was then contacted by XXXX from Cash app executive relations team who informed me that they reviewed my dispute again and again found no errors with the charge. They stated that a merchant can force a transaction through to my account regardless if I lock my card or report my card lost or stolen. Since I filed the report against cash app they have made it nearly impossible to use my cash card for purchases, blocking transactions due to claims that it is blocked due to unusual activity. These blocked charges have been made to the merchants multiple times in the past from my account so to say they are really blocking the charges in my best interest is ridiculous. Also my mom sent me a {$20.00} payment which they help for hours before making it available to me, which is never the case prior to this. Transactions that are seen in my history are available as soon as they post, but not since the complaint was filed. I then contacted XXXX again, this time text to a live agent and they said they tried to issue a refund but I highly doubt that. It was unable to be processed. I'm not sure why this particular charge is sticking. Every other time I had a charge go through that I didn't intend on making I have been issued a refund without a problem. This time even though the card was invalid they are not willing to give me my money back. I feel that based on the circumstances of the card that was charged was reported lost or stolen 4months prior to me downloading this app, it should not be a valid transaction and I should get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Medical-Commercial Audit Inc
State: MO
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 do not have an account with this company. They incorrectly reported to my consumer report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: Accurate Background
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX I faxed and emailed my request for Full File Disclosure per 15 USC 1681g ( a ) ( 1 ) and I haven't received a response. 

XX/XX/2023 Sent via XXXX XXXX XXXXXXXX ) XXXX and email XXXX ACCURATE Background, XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX To Whom it May Concern : I am writing to request that you send me EVERYTHING in my consumer file at ACCURATE and any of ACCURATEs subsidiaries and stored by any of its subsidiaries or any other entities maintaining data on behalf of ACCURATE and its subsidiaries as of the date that you receive this notice regardless of the location it stored and how ; pursuant to 15 UC Code 1681g ( a ) ( 1 ). Please black out the first five ( 5 ) digits of my social security account number in all correspondence you send me to safeguard my privacy. 

I am requesting the following additional items be sent to me in the same package : Pursuant to 15 UCS 1681g ( a ) ( 2 ), all sources of information in my consumer file at ACCURATE and any of its subsidiaries.

Pursuant to 15 UCS 1681g ( a ) ( 3 ) ( A ), the identification of each person/company that procured a consumer report with my information from ACCURATE and any of its subsidiaries.

Pursuant to 15 UCS 1681g ( a ) ( 3 ) ( B ), the name, trader name, address, telephone number, email of each person identified under 15 USC 1681g ( a ) ( 3 ) ( A ).

Pursuant to 15 UCS 1681g ( a ) ( 4 ), the dates, original payees, and amounts of any checks in my consumer file at ACCURATE and any of its subsidiaries used to adversely characterize me.

Pursuant to 15 UCS 1681g ( a ) ( 5 ), a record of all inquiries received by ACCURATE and any of its subsidiaries in the past one ( 1 ) year preceding the receipt of this request that identified me in connection with a credit or insurance transaction that I did not initiate.

This is a request for my full file disclosure to include all obsolete and archived information on me as permitted by the Fair Credit Reporting Act. This is my first full file disclosure report request for this calendar year from ACCURATE and any of its subsidiaries. I am NOT requesting a copy of my credit report. 

I trust that you will take this matter seriously and resolve it in a fair and expedient manner, but not later than 15 days from receipt of this request. I look forward to your immediate action and a prompt resolution. 

Sincerely, XXXX XXXX Enclosed please find a copy of my drivers license for the purpose of verifying my identity and nothing more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase bank decided to close my checking account after I requested to speak to a supervisor over a stop payment request. The stop payment request was made XXXX  XX/XX/2020 the check was then cashed by the company whom claimed to have not received the payment. Which is the reason I requested chase bank stop payment. Chase bank specialists ... although she was very nice lady. Found it to be a funny situation and Chase bank said oh well sometimes the system goes down and you have to take a loss. Even though several employees admitted the company is indeed at fault. I am forced to take a {$530.00} loss. In addition, I have to jump through hoops to obtain my remaining funds due to identity theft. XXXX having police report numbers. On XX/XX/2020 I was even threatened by an agent named XXXX. The employee told me if I did not release my new checking account number to my new bank account I would not receive my funds to my pending account. Claiming it was standard procedure, which wasnt true. As an identity theft victim and having Chase make a huge error on my account its terribly unprofessional.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) Experian and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/2021 Balance {$18000.00}. m According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-01-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I noticed on my equifax, XXXX  and XXXX  there is an employment with XXXX XXXX which was also on the same day where a lot of hard inquiries happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed this account multiple times attached is the move out documents from the 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 2022-11-18
Company: FC HoldCo LLC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX of 2022 I reviewed my XXXX credit report and noticed a closed collection account from a company referred to as CARFINANCE. I immediately wrote a dispute letter to the company and credit bureau XXXX, requesting validation of the debt. 

Since then, more than 30 days have passed and yet no response from the company has been received. Instead, in XXXX of 2022 I received an alert on my XXXX report of the CARFINANCE account being re-opened and a balance of XXXX reporting. I do not recall owing this debt from CARFINANCE and their lack of communication has caused great damage to my financial situation. 

CARFINANCE has violated my consumer rights by ignoring my requests to validate this debt. There has still been no attempt from CARFINANCE to validate this false debt.

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 2018-07-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
complaint XXXX about XXXX  - the company is responding never received previously disputed inaccurate information complaints- on several occasions disputed items have been mailed out and sent electronically Experian XXXX is reporting inaccurate information and has been previously notified. The company refuses to remove the inaccurate information sending response that claims have been verified as accurate. Experian is reporting old/inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: LA
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: Genesis FS Card Services, Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a XXXX XXXX credit card that is paid off, I have a new milestone card that is paid off as well. They took over XXXX points in a 1 week. Even when paying my minimum. Now they both paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted XXXX XXXX /commodity Bank about an account that I closed in XX/XX/XXXX after I paid in full. In XXXX XXXX they sent me a bill that stated it was owed.but the agent could not explain for what. thinking I will just pay It and end this. Well not so, again I was billed in XX/XX/XXXX this time for {$2.00} I called each time I was promised this has been satisfied.it was only until XX/XX/XXXX this time {$19.00} at no have I used this account since my last payment in XXXX XXXXOnce again I was assured this is all done. I filed several written dispute with XXXX XXXX and with XXXX and still to this date I was contacted by XXXX that my account has been marked as a missed payment I just seen to make this go away. was closed and XX/XX/XXXX. Since then I have continued to be charged {$19.00} a month. I've spoke with several representatives to get this issue taken care of yet to current date. It is still affecting my credit score as a bill that'I owe and I can't do anything.I really need help. My credit is being ruined for something someone's else is doing either purposely or by error either was I'm paying for it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-29
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX is the worst business ever. 
they put negative information about my account, that i am late 30 days i wasn't aware of the information. and i did a mistake for not noticing but they failed to inform me that there will be any negative on my report, they failed to contact me, through email, phone or mail this is my rights under FCRA, SCRA, i am XXXX XXXX XXXX " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. '' and " You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment - or to take another adverse action against you - must tell you, and must give you the name, address, and phone number of the agency that provided the information. " they say they try to contact me many times, which never happen and they refuse to show me any email or mail letter to confirm they reached me or even phone log, i only received one letter to tell me i have negative payment going to the report i asked to show anything to verify they reached me personally, they refuse. 

my only problem, is their own collection department : -do n't care that i am SCRA -refuse to show that their information is verified -add more information without my consent on my report ( 30 days late, and note that i didn't like their investigation ) -delayed my process -never answer question -refuse to understand that sometimes accidents happen -acting like their system is 100 % error proof and no way that accident happen and i wasn't informed -refuse to work with any negotiation -refuse to minimize damage -failed to inform me with any issues so what is their job exactly?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed 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 non-monetary relief
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: IN
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 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

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 2022-11-18
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
continue to call countless times throughtout day. Already settle pay arraignments but still calls to collect debt. Ask to stop calling multiply times

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