BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: JPMORGAN CHASE & CO.
State: FL
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:
I was charged a large amount by a vendor - an amount that is absolutely irregular for me and my spending habits. The merchant insisted that the charges were getting rejected, so they charged me three times on two cards. I saw the charges pending but they had gotten aggressive with me and I was legitimately concerned that I had not paid. This was suspicious to me, which is why I felt comfortable using my premium chase credit card ( chase sapphire reserve ). Well all three charges cleared. My other bank, XXXX, took care to understand the situation and investigate and found that the double charge was invalid. Chase, however, was unresponsive and provided no avenue or attention for hearing out the situation. After a long period of silence, I was notified the charge was determined valid. I called, and they told me I must write and mail a letter to open another dispute for the same charge. I did, and they credited it again. Then, after another long period of waiting and only one request for info ( a screenshot of the first transaction ), I get notified that the charge is valid with a letter and pictures of receipts from the vendor. The support in this letter from the merchant is so absurd that any reasonable consideration would have resulted in seeing it was blatantly nefarious acting from the merchant - forged signatures ( the first is legitimately mine, contrasting from the forged ones to follow ), adding very very small amounts to the second and third charges to make it seem like they're different ( {$1.00} and {$2.00} on a {$3400.00} base amount ). Worse, the reasoning chase provided suggested a misunderstanding - that they though I said i paid for that third charge with another card - but I did my best to convey through their form submission online that I was charged 3 times for one service rendered. I've tried calling twice, and both times I was met with rude personnel in the dispute department who didn't even take care to understand it and ignorantly insisted that I'm the one that's incorrect and there's nothing I can do. It feels as if whoever submitted the most support wins this twisted contest for my hard-earned {$3800.00}. 

It's obvious that this is an issue unique to Chase. My other bank was able to figure it out, and they couldn't even investigate to the point of understanding what happened before making the final, incorrect judgement for a meaningful amount of money. There's no point in having a premium credit card ( or bank to trust any of your money with ) if you can't feel comfortable using it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: NJ
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:
This letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and the completeness of the information is hereby requested to be provided within ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated responce or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Bread Financial Holdings, 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:
On XX/XX/23 I received notification from XXXX that a hard inquiry was placed on my credit report. Someone applied for a credit card with Comenity Bank under my name. I have not applied for any credit cards recently. There is already a fraud alert and Comenity Bank should not have allowed an application to proceed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: MD
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2019-08-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I bought a vehicle from a certified dealer ( XXXX ) who approved my loan based on my excellent credit score from XXXX ( XX/XX/2019 ). My Experian credit is currently frozen and no matter what I do, I can not get them to unfreeze it. I can not reach a human on the phone, I can not get through with the automated prompts and my information. I can not get through via my account online. I tried to get through various ways for about 2 weeks. I mailed Experian the requested documents on XX/XX/2019. According to Experian, it takes 3 business days to respond to my request. It has been 8 business days ( not counting Saturday mail days ) since I've mailed the paperwork. I have no response from Experian stating that they even received the mail from me. In the meantime, my car 's temporary registration is about to run out and the dealership doesn't want to work with me to get the sale of the car finalized. I've been back and forth with them, updating them on my issues with Experian to no avail. I need help speaking to a human being at Experian, updating my correct information, and permanently lifting my credit freeze so I can move on with my life. It is absolutely disturbing that speaking to a human, etc. is impossible, especially when credit is all we have as Americans. Please look into their automated system of blocking a person from speaking with a human being as well as their lack of human interaction in regards to contacting email support.

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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Good morning, On XX/XX/2021, at XXXX XXXX I withdraw {$400.00}, from a TD bank Atm located at XXXX XXXX XXXX in the XXXX, NY. As soon as I took my atm card out and waited for my cash to be dispense, the machine turned off. I informed the store worker, ( ATM machine was inside a Metro PCS store ) and told him the machine didn't give me the money. The Store worker informed that the machine was having issue all day and someone had just came to service the machine. I had made three claims to TD Bank, XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), and all three were denied. The machine didn't dispense the money, and it was not my fault due to the machine malfunction. I'm sure they can check the ATM camera and see that I dint take the cash.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-08
Company: Experian Information Solutions Inc.
State: NC
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 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 XXXX XXXX XXXX XXXXXXXX Has violated my rights. 
15 USC 1681 Section 602 ( A ) States i have the right to privacy 15 USC 1681 Section 604 ( A ) Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( c ) ( 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 USC 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 2023-03-11
Company: EQUIFAX, 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:
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection agency called national credit system, they report I owe {$1000.00} they changed the name of the original creditor twice, now they have it under sure deposit with no contact information about it, they been hurting my credit for the past 6 years, fraudulent actions, when I disputed they fraudulent reply that the information is accurate, they have a fake original creditor name ( sure deposit ) with no contact information, I want every documents, contact or any single paper belongs to this collection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: SYNCHRONY FINANCIAL
State: NV
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2021-05-12
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
After multiple attempts to receive a credit for a returned appliance that was damaged the company keeps passing me to third-parties and saying the refund is " in process '' but continues to accumulate interest charges.

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 2021-02-13
Company: Allied International Credit Corp., (US)
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Called on XXXX XX/XX/2021 Received letter in mail from Allied International Credit Corp ( US ) XXXX XXXX XXXX  XXXX XXXX XXXX, Virginia XXXX Telephone XXXX XXXX XXXX Letter had reference number, along with the creditor listed as XXXX the account number only has first 3 numbers then asterisk after XXXX XXXX ). The amount owed is {$380.00}. I called the number and spoke with representative. He informed me this was for an XXXX  seller, I let him know I have never sold anything on XXXX. He then asked me if about several different types of contact information, such and email, user name, and telephone number..none of which belong to me an I do not recognize them. He asked me about 2 items, some type of table, and some shoe orthotics..I am assuming these are the items that were sold on XXXX, but again, I have never sold any items on XXXX. He told me that he would report it as fraudulent, and I would have to check back in 18 days to see what the fraud department says. I asked for name and reference number but he would not give me one ... I thought this was strange. I have forwarded a pic of the letter to the XXXX  spoofing email, but I cant get in contact with anyone at XXXX. 
This seems like a scam, there are several people who have asked questions about this company on the XXXX website ... goes back for a few years. Seems like it has been around for a while, but if it is a scam why are they allowed to get away with it? 
I do not want to be reported to debt collection for a fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In according with the fair Credit Reporting Act XXXX Account # 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 furbish an account without my written instructions.

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 2023-12-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All XXXX credit bureaus continue to report inaccurate information in regards to my federal student loans balance. XXXX the student loan servicer and the Department of Education the student loan lender both have a XXXX balance on my account and have verified that my Federal Student Loans are paid in full through student loan forgiveness IDR program and that i currently have a XXXX balance. I do not owe {$64000.00} as stated on XXXX XXXX. This misinformation is causing me investment and financial problems with other institutions that I'm currently trying to do business with. I would like cfpb to investigate further into this matter as Equifax continues to display inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am really new at all this credit stuff but I am going through a really bad divorce. I am almost certain that account have been opened in my name the I never filled out application for credit. I never to freeze my credit files until I can go over what is and is not mine. The following addresses are not correct and do not belong to me possibly my soon to be Ex-husband. I an not associated with the addresses below. My only address is XXXX XXXX XXXX, XXXX OH XXXX. Please delete the following fraudulent addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX, OH 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 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 was trying to buy a house and I realized that I had damages on my credit report, according to the 15 U.S.C 1681 ( b ) ( c ) law, there should not be any damages on my report. Its a defamation to my character. In accordance to with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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