BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
First time in XXXX years to be scamed. Was scamed on XX/XX/2023. Reported to Chase Bank evening of XX/XX/2023. 
Scamed to send money via XXXX. XXXX is offered via my Chase accounts to send money online. 

I was selling a desk as well as some XXXX on XXXX. XXXX called on XX/XX/2023 asking if I received money for desk. No, I did not receive so he said to send money back to buyer and then I would be credited back. 

Chase Bank said they tried to get money back from XXXX but it was too late. I called several different times and Chase created different claim numbers each time. 
Total amount is {$1000.00} I lost. 
XX/XX/2023 - {$250.00} to XXXX XXXX XX/XX/2023 - {$250.00} to XXXX XX/XX/2023 - {$250.00} to XXXX XX/XX/2023 - {$250.00} to XXXX XX/XX/2023 - {$50.00} to XXXX Chase Case ID # : XXXX XXXX XXXX XXXX Long time customer of Chase Bank ( XXXX years ) and they tell me they can't reimburse me. There is no phone number to call Chase except all numbers are Call Centers and they did not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
People 's bank KEEPS defrauding me. They are accepting transactions against my account that exceed my balance just so they can charge me a {$37.00} over draft fee. I have told them twice before on the phone that this is not something I want or ever authorized yet they still continue to do it. In the few days they have charged me {$150.00} in overdraft fees for my account being - {$1.00}. This is theft. I called the bank again this morning on  XXXX / XXXX /  XXXX   @  XXXX  and told them to STOP stealing my money and that I do not want this overdraft service. I asked them to refund all the money they have stolen from my account and they refuse to do this saying I agreed to this which I NEVER did. The dates they have stolen from my account calling their theft " Overdraft protection ''  Two ti mes on  XXXX / XXXX /  XXXX   for {$74.00}, once on  XXXX / XXXX /  XXXX   for {$37.00} and again on  XXXX / XXXX /  XXXX   for another {$37.00}! That 's {$140.00} in  ONE  WEEK!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: LTD Financial Services, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a call from LTD Financial Services ( XXXX ) XXXX on XX/XX/XXXX to settle a debt from XXXX XXXX XXXX Account # XXXX. The full amount owed was approximately {$960.00} and I was offered a settlement at {$560.00} - they record all of their conversations. The call occurred at XXXX hours and lasted 7-10 minutes on XX/XX/XXXX - They did not honor that offer despite me agreeing to the offer and giving them my banking information to conduct an ACH debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, 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 information incorrect

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
State: GA
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX 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 have 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 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 non-monetary relief
Consumer complaint received 2023-04-11
Company: CAINE & WEINER COMPANY, INC.
State: NC
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 been trying to correct my credit report for over 6 months. I have asked all 3 credit bureaus to provide proof of the debt ( 609 LAW ) in writing several times and have been ignored with no responce. I don't have any knowledge or recollection of these debt. I believe they are reporting incorrectly and it is affecting personal and financially. Please remove the following inaccurate items listed below from my credit report. 
XXXX XXXX XXXX XXXX : Status Collection account. {$1900.00} past due as of XX/XX/XXXX ( THIS IS NOT MY DEBT ) XXXX XXXX XXXX : Account info Account number XXXX Date opened XX/XX/XXXX Account type XXXX XXXX XXXX XXXX  account. {$1800.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Payment summary not showing XXXX XXXX XXXX : Account info Account number XXXX Date opened XX/XX/XXXX Account type XXXX XXXX XXXX XXXX  account. {$1200.00} past due as of XXXX XXXX CXXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Account type XXXX XXXX XXXX account. {$620.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Account type XXXX XXXX XXXX account. {$260.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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: Card was charged for something you did not purchase with the card

Complaint:
Amex reference number : XXXX and XXXX. 

Card were lost and made by unauthorized people. The representative kept saying I gave the account number to someone else when I didnt. She blamed on my parents for using the card but there were miscommunications. My parents did not use my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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/XXXX I sent an FTC identity theft report. The report was signed and notarized and sent certified mail with green receipt. I will upload copies. Like I stated before in my cfpb complaint, I have been disputing the same accounts since XXXX and I started again in XXXX of XXXX. I asked for validation of debt and was sent a paper saying it was verified. Then when I sent the FTC report on XX/XX/XXXX they still failed to remove the addresses, names, and the accounts that are not mine. I did not ask them to remove it is a demand. Pursuant to FEDERAL LAW 15 U.S. Code 1681C-2 ( A ) the CRA 's have 4 business days after receiving the FTC report to delete and block the reporting information. They did not do what Federal Law said. They sent a response to me through the FTC saying that I need a Police report. On the signature page of the FTC report it states that if you do not CHOOSE to file a report with law enforcement, you can use this form as an identity theft affidavit. At this point, there has been over XXXX different violations of my consumer rights. 15 U.S Code 1681 ( a ) ( 4 ) violations is infringed upon consumer 's right to privacy. 15 U.S Code 1681i ( A ) 91.A ) when any account is in dispute on your credit report for any reason by federal law, the account is to be removed from your consumer report while a full and complete investigation is done. The CRA did not validate the debt because the original creditor is the only person that can validate the debt. Pursuant to federal law I am the Original Creditor. Violation of 15 U.S. Code 1692e. I demand that they report the correct and complete information on my report. Im uploading a new FTC report also.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: FL
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:
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXXMy Full Legal Name : XXXX XXXX XXXX XXXXMy Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of the addresses please delete these outdated addresses and update with one above. 
I demand my social security and date of birth be removed from being displayed on credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Sincerely 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 2023-01-30
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I'm writing regarding the recent Wells Fargo decision as I was a Wells Fargo mortgage holder as well as equity credit line. I had tried unsuccessfully to secure a loan modification back in 2013 and had submitted and resubmitted paperwork only to be told I needed to reapply a couple times, resubmit documents, no response, etc. I really felt I was getting the run around at a very vulnerable time in my life. I had been a good standing customer. The process was put an unnecessary amount of stress on me when digging out of the financial crisis. I'd believe I should be a part of this judgement/action but have not been contacted. 

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 2023-08-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I started service with WePay as it was offered as a third party company through a construction software. Within less than a week they froze and blacklisted my account stating that it was a high risk fraudulent account. They then said that the payments that had went through from our clients were going to be held for 120 days and then after that time they would be returned. We immediately contacted the construction software company and they stated we had to make and appeal which we did and WePay said they could not tell us why exactly our account had been blacklisted and they really couldn't provide us with anymore information than that. The total amount that is withheld is {$4600.00}. This was XX/XX/23 as of today XX/XX/23 these funds have not been returned and they have still not given us a date as to when this will happen. We have not committed fraud we are a legitimate construction company who is in good standing with all local agencies. We never signed any contracts with WePay authorizing this type of situation nor were we made aware that this was a possibility. I have emailed MULTIPLE times after waiting for the 120 days and I keep getting pushed off and made to continue to jump through hoops. This company has done this to multiple other people upon my research.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
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: Account information incorrect

Complaint:
I notice a fraud statement was posted on my credit reports on XX/XX/XXXX.  It seems XXXX  unlawfully created this statement and it was shared with the XXXX and Experian. I immediately called all three bureaus to get it removed, since I did not issue such a statement. XXXX  and XXXX   immediately took the statements down. The Experian rep said they needed something in writing to take down the statement. I faxed them a written statement and my identification that was on XX/XX/XXXX It is nowXX/XX/XXXXand the statement is still on my report. I never issued such a statement nor do I authorize it to be on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to 15 US CODE 1681 A FOUR, Transunion is in direct violation of the law. Transunion has committed identity theft. According to the law, Transunion has violated the law and my rights. According to the law, financial institutions have an obligation to respect their customers ' privacy and securely protect their sensitive personal information against unauthorized access. Transunion has illegally obtained information, then lying saying the court provided them with the information. Every time I dispute, Transunion stalls or Transunion comes back saying verified by the court. I have attached a letter from the court acknowledging that they did not verify anything with Transunion. Transunion is crooked and are lying. You can not continue to let Transunion get away with this. They need to delete that bankruptcy reporting on my file. They must be getting paid to add inaccurate information to consumers credit files. Doing so is wrong, unfair, and AGAINST THE LAW.

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 2021-03-08
Company: TD BANK US HOLDING COMPANY
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I made a charge on my target red card in XXXX for XXXX dollars. I mailed a payment in XXXX but it was not received by them. They didnt attempt to contact about the debt owed from the missed payment. The amount past due wasnt even enough for them to charge me a late fee. There is now a 30 day mark on my credit for the payment not being received on time. Once I saw the account was past due I paid the balance in full. I am asking that they remove the 30 day mark against my credit bc they did not make any attempts to contact me and just let it become more past due

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Resurgent Capital Services L.P.
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:
I dispute the validity of this entire debt. I request validation of this debt per Texas Finance Code. I have disputed this debt with the credit reporting agencies. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code if you fail to meet code requirements. Delete this tradeline if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) For the purpose of validation provide me with : The name and address of the original creditor, the original date of default or non-payment of the debt with original creditor, the date the debt was transferred from the original creditor to the third party debt collector, the original balance, the current balance, how much you purchased this debt for and any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) and Texas Surety bond information as required by Sec. 392.101. I am invoking Texas Finance Code 392.202 CORRECTION OF THIRD-PARTY DEBT COLLECTOR 'S OR CREDIT BUREAU 'S FILES. I request immediate notification by mail if this alleged debt is sold or transerred per Sec. 392.301 ( a ) ( 4 ). Please note I am fully prepared to pursue my rights for the harm this innacuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter. I emphatically suggest you get your files in order as I am a litigeous consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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 non-monetary relief
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  Account # XXXX Canceled {$1900.00} XXXX Account XXXX XXXX Canceled off {$700.00} *XXXX  XXXX Account # XXXX Canceled off {$710.00} XXXX XXXX Account # XXXX Canceled off {$3500.00} According to 15 USC 1681 s-2 These accounts has been charged off on my credit report and is defined by the IRS as canceled and is a gross income on my tax return. A lender that cancels or forgives a debt of {$600.00} or more is considered taxable income on my income tax return. I am not authorized to pay these charge offs because it is not a disputable debt. The debt has already been forgiven, its already been canceled, and it is now taxable income to me. I am requesting the deletion of this inaccuracy effective immediately or I will file a XXXX form on these companies.

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 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 non-monetary relief
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter XXXX XX/XX/XXXX to remove/delete these items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX PXXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$380.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$680.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$240.00}, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXXXXXX 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