BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/, my Chase Sapphire card was charged {$1900.00} from a company called XXXX XXXX. I immediately checked my other credit cards and notice an identical charge of {$1900.00} had been charged by XXXX XXXX on my Chase United card on that same day. I called Chase to inform them about the fraudulent charges on both of these credit cards. Chase reversed the charges and began an investigation. 

In the last week of XXXX, I received communications from Chase that they had concluded their investigation and I would be responsible for both {$1900.00} charges. I called Chase to discuss this investigation. They informed me that they had received an invoice that was sufficient for them to determine that I had received the services. I then called the merchant on the invoice and talked to him. He stated that he had previously closed his XXXX account because of fraudulent transactions by scammers. But he could not provide me with documentation. 

On XX/XX/, I called Chase again and was connected with their Fraud Recovery Team. I spoke to a XXXX XXXX who again stated that their investigation found that I was responsible for those charges based on the invoices and proprietary information that he could not disclosed. 

I told XXXX that the company was based in Georgia, and I'm based in XXXX, NY. The company provides power washing services which I would not need since I rent. I told him why would I charge identical amounts on the same day on two different credit cards for the same services. He stated I could have rental properties and that they are multiple reason someone would do that. I stated why isn't my physical address on the invoices or where the services was rendered. I asked him why aren't there any state taxes being charged to me on these invoices. He stated he isn't a tax expert. I told him there is so much wrong with these invoices that they couldn't possibly think these weren't part of the scam. I asked him if my credit card numbers were on these invoices? They were not. There is nothing on the invoices to link my respective credit cards to them. Only my email address and my name, which can be gleamed from my email address is found on the invoice. 

XXXX stated he would send this for additional review. I am not confident given their secrecy, limited contact, and poor logical reasoning that I will not be forced to pay {$3900.00} for these fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
State: OH
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, Equifax and XXXX with respect to XXXX  Acct # XXXX has violated my rights! All three bureaus have completed reinvestigations upon my request : XXXX XX/XX/XXXX ( pg XXXX - XXXX of attached document ) Equifax XX/XX/XXXX ( pg XXXX - XXXX of attached document ) Experian XX/XX/XXXX ( pg XXXX of attached document ) and stated that the XXXX Account is being reported as accurate. 

How is that possible when ALL of the following items are STILL NOT 100 % accurate : Account numbers, Account Status, Date Opened, No. of Months, Last Reported, Date last Active, Date of Last payment and 24 months of payment history ( pg XXXX of attached document )! Equifax is marking the account payment history as OK for the last two years when the account was closed in XXXX! XXXX inaccuracies total! All of the above is grounds for removal! 

15 U.S.C. 1679c : states Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : states If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer.

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 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

I have done my best to look responsible to all my lenders. However, this situation has significantly lowered my credit scores to Fair levels, placed me in a position to be charged extremely high interest rates and jeopardized my families ability to acquire a mortgage. A Fair credit score resulted in my family paying {$12000.00} ( 17.5 % interest rate ) dollars in interest on a five year personal loan and over {$6500.00} ( 16.5 % interest rate ) on a 5 year auto loan. If the credit bureaus abided by the law and removed the account, my interest rates would reduce to 5.99 % on personal loan and 6.65 % on the auto loan saving my family {$10000.00} on just those purchases alone! 

The Credit Bureaus and XXXX have NOT worked together properly and in accordance with the law to help me. I thought being a XXXX service member overseas ( pg XXXX - XXXX of attached document ) meant something to these companies! I was hoping that they would be understanding and take care of us. However, all I see is when service members are out protecting XXXX 's XXXX  XXXX, Equifax, XXXX and XXXX are NOT looking to uphold our freedoms!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

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 2023-10-16
Company: Bread Financial Holdings, Inc.
State: VA
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:
I REVIEWED MY CREDT REPORT ON XX/XX/2023 AND NOTICE THERE WAS AN INQUIRY ON MY CONSUMER REPORT FROM COMENTITYBANK/JARED THE INQUIRY HAD TAKEN PLACE ON XX/XX/2023. I HAD UNLOCKED MY CREDIT TO PURCHASE A VEHICLE AND PURCHASE FURNITURE FOR MY NEW HOME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
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: Account status incorrect

Complaint:
I have an auto loan from XXXXXXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXXXXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXXXXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XXXX of XXXX. There was an error on their part. I was never 30 days late.

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 2021-06-16
Company: ALLY FINANCIAL INC.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting repeated phone calls from Nuvell Financial Services regarding missed payments of car loan. I have told them that I do not appreciate being called at my place of employment and that I would report them the next time they called. This was on or about XX/XX/2021. It stopped for a few days and now they are calling my place of employment again, XX/XX/2021. I am working on trying to get funds to pay the loan but need more time.

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 2023-10-16
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells fargo Bank close my account and held my money.I cash several check going back over 2 years. these checks were sign to me : pay to the order of XXXX XXXX and I give them the fund. Now the bank saying that is not allowed. Now they say those people can come in with 2 form of ID and claim the money. In this case they would be committing fraud because they already get paid. I never know I couldn't cash for someone, therefore I need my money

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 2022-12-12
Company: Experian Information Solutions Inc.
State: SC
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 15 USC 1681. 

XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXXXXXX XXXX XXXX XXXX : Acct # 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 2023-07-13
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SS # : XXXX Date of Birth : XX/XX/ Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX  XXXX XXXX XXXX Payment Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX  XXXX Charge Off Account XXXX  XXXX Late Payment Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Late Payment Account XXXX XXXX Collection Account XXXX XXXX XXXX Late Payment Account XXXX XXXX Collection Account I strongly believe that these items are incorrect and have been reported unfairly. I have carefully reviewed my credit reports and have found errors and inconsistencies in the information provided. 



I would like to bring to your attention that under the Fair Credit Reporting Act, credit reporting agencies must provide accurate and complete information to consumers. Inaccurate and incomplete information can have a negative impact on my credit score and my ability to obtain credit and loans in the future. 



Regarding the late payment accounts, I would like to explain that I have experienced financial hardships and have been unable to make payments on time. However, I have since made efforts to catch up on missed payments and have been making regular payments. 



As for the charge off accounts, I was not aware that these accounts had been charged off and was not given an opportunity to make payments and settle the debts. I would like to request that these accounts be removed from my credit report, as I believe they were reported without proper notification. 



I kindly request that you investigate these items and take appropriate action to correct any errors or inaccuracies in my credit report. I also request that you provide me with a copy of my updated credit report once the investigation is complete. 



Thank you for your attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: Paypal Holdings, 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:
On XX/XX/XXXX someone hacked my XXXX account and used my stored PayPal information to make XXXX purchases, XXXX for {$56.00} and XXXX for {$370.00}. I received email notifications from PayPal regarding these payments and immediately called them to notify them they were fraudulent. The first customer service agent I spoke to on XX/XX/XXXX assured me they were not valid transactions and I would not be charged. 

On XX/XX/XXXX, I noticed the {$56.00} charge was listed on my account as completed, so I filed an online dispute. Later in the day, I was notified that my dispute was denied. I called PayPal customer service again. The representative I spoke to that day also confirmed that the transaction was not valid and I would not be charged. 

The charge for {$370.00} was cancelled and no longer appears on my PayPal account. The charge for {$56.00} however, was processed and has since been billed to my XXXX savings account. These fraudulent transactions were made from the same IP address and the same shipping address was entered for both- so it is absurd that XXXX was deemed to have been fraudulent and invalid while the other is being treated as a valid transaction. There is no way of contacting XXXX to request a refund or cancellation. If someone hacked the XXXX account, they should not have been able to make a purchase using my PayPal without entering a password.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-16
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold from XXXX XXXX to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, around XX/XX/XXXX. The servicing was transferred from XXXX XXXX to BSI Financial in XX/XX/XXXX. XXXX XXXX removed all funds from the escrow account just prior to the transfer, both parties failed to notify me of the transfer, and XXXX XXXX kept the first 2 mortgage payments owed to BSI Financial, instead of forwarding them to BSI. BSI Financial has failed to credit me for 20 mortgage payments that have been provided to them in the form of personal checks and cashiers checks. There are 5 unapplied payments from XXXX, 11 unapplied payments from XXXX, and 4 unapplied payments from XXXX. Their unwillingness to credit payments received forced me to place future payments in a separate escrow account. BSI has been unwilling to provide a legible accounting, discuss the accounting, credit the unapplied payments, or correct their accounting, and forced me to file a lawsuit in state court, case # XXXX-XXXXXXXX XXXX XXXX BSI failed to answer any interrogatories requested within the case or provide any documents. State Court allowed all causes of actions against BSI including multiple RESPA violations, to proceed. I filed a Motion to Compel against BSI for failure to provide discovery. Subsequently, BSI removed the case to federal court on XX/XX/XXXX, and the case # changed to XXXX. BSI Financial continues to manipulate the system and add exorbitant attorney fees and costs to my account. BSI Financial is in violation of the CFPB Consent Order # XXXX dated XX/XX/XXXX, in which they promised " to establish and maintain a comprehensive data integrity program to ensure the accuracy, integrity, and completeness of the data for loans that it services, and implement an information technology plan to ensure BSI 's systems are appropriate given the nature, size, complexity, and scope of BSI 's operations. '' They continue to commit the same violations, and BSI Financial must be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: NY
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:
Equifax has not received written instruction to furnish a consumer report on my behalf in doing so Equifax is actively committing identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: General Motors Financial Company, Inc.
State: NV
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:
Th auto loan hard inquiry was NEVER authorized by myself. I ONLY gave consent to XXXX XXXX Auto Fianc to obtain a copy of my credit report per a pre-approved offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: SC
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 15 USC 1681. 

XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: UMPQUA HOLDINGS CORPORATION
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: Problem with personal statement of dispute

Complaint:
I filed a complaint on XX/XX/21 through this website, complaint # XXXX. Today I received the following response ; We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

This makes absolutely no sense, because I am the only one who is listed on the account, I am the only one who has money going to the Umpqua bank account, and I am the only card holder to that account. The complaint I filed listed the company that Umpqua Bank apparently hired or works through to work on over drafted accounts. Along with the above referenced complaint I filed several attachments which proved the charges were fraud, because I was working in New Mexico at the time the charges were made in Texas. These attachments also referenced 2-3 other credit companies in which fraud charges were made on my accounts during the same time period. This is absolutely an unacceptable response to my original complaint.

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