BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-24
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I made a made a wire transfer for my business to a perfume supplier company in XXXX on XXXXXXXX XXXX  XX/XX/2023. The reciever has not got the money yet as of today XX/XX/2023 .I contacted my banks online wire transfer customer service expert several times. They advised me to go physically at local branch of the bank. I visited the branch 3 times even met the Branch Manager. He let me fill a form and submitted. After 2 days i got a secured messege on my bank acount. It describes the local and intl. wire transfer processing time and also says other financial institutions may place a hold on wires or charge additional fees to receive wires. Chase can't remove or modify a hold placed by other financial institutions. 
Now my question is what was my fault here? They did not even warn me that my money could be held for no reason. How i can send my future business transaction? At least should I not get informed that this is the reason your money is on hold? This is a small anount indeed. But I send bugger amount too. Is the total system trust worthy?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: CO
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:
I have sent MULIPLE certified letter disputing inquiries on my credit report for fraud and unauthorized. They have still NOT been removed after several months and years. I have asked all credit bureaus nice and demanded these be removed for fraud or unauthorized inquiries and they still have not been done.

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 2018-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
There was a hard hit on my credit and the institution making the inquiry is not identified. I called the number provided in the inquiry details and was told XXXX only provides the software they do not do the inquires. Called TransUnion the service reporting the inquiry and can not understand who was speaking and they could notunderstand me. 

Whoever, makes an inquiry on my credit should not be incognito or without my knowing before hand.

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please look at the attached documents, the personal information you are reporting are not mine.

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 2019-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I requested statement copies for Mastercard account ending in XXXX on XX/XX/XXXX, it is now XXXX and nothing received to date. I spoke with a rep in recovery, I do not have her name available to me, she stated she was able to request statement copies from account opening to closing. I called again recently on XX/XX/XXXX, the rep confirmed they were sent out, he could not tell what date. I believe if they were sent out they should have arrived by now, it appears the package is lost. I request statement copies resent, I need the entire account history from opening to closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
We were gifted a XXXX gift card in the amount of {$500.00}. It was purchased from our neighborhood grocery store, XXXX, in XXXX, AZ. We found that a fraudulent charge had been made before we could use it on XX/XX/XXXX in the exact amount of {$500.00}. The card never left our possession and did not appear to be tampered with. We called the number on the back of the card that evening. We were given a list of documents to fax including the front and back of card, the original purchase receipt ( luckily the gifter still had this ), and my drivers license. I have called numerous times and been asked to resend these documents repeatedly. I have faxed and mailed hard copies a total of 4 times with no progress. It is very hard to communicate with the customer service reps and they will not transfer me to any other departments. They only repeat the same list of documents again and tell me to resend. I am losing hope that we will see this 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 2023-06-24
Company: FIRST PORTFOLIO SERVICING INC
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Over the past XXXX I have attempted to contact TOTAL VISA/XXXX XXXX XXXX  and gettting the absolute run around after discovering they were one of several companies with an account opened fraudently in under my information. I was told that because I could not give any account information and because I refused to give my social that nobody could do anything about it and it would stay as it is. Even after I read all the information is saw in my credit reports. I have been in XXXX with my great aunt since XXXX of 2022 and its impossible for me to have opened an account anywhere back home in the states when I wasnt there I have data breach alerts for a few hrs now from XXXX and XXXX and alerts of my information being in the dark web and now I have a fraudulent account under my name that this TOTAL VISA XXXX XXXX XXXX COMPANY IS REFUSING TO REMOVE. I did not open anything with them nor authorize anyone else to. Remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
I have sent MULIPLE certified letter disputing inquiries on my credit report for fraud and unauthorized. They have still NOT been removed after several months and years. I have asked all credit bureaus nice and demanded these be removed for fraud or unauthorized inquiries and they still have not been done.

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 2023-09-20
Company: EQUIFAX, INC.
State: FL
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:
This account has multiple inaccuracies and missing information that do not align with all three bureaus. I have attached a receipt from XXXX showing that I paid in full directly to them and not to the collection agency. If this account was reported as " Charged off '' then XXXX should not have been able to collect directly on this debt. Also attached is an email directly from a XXXX representative stating that if I paid they would remove this from my credit report and my account would be in good standing. I have attached an image of my credit report for all three bureaus and I have highlighted all of the inaccurate information. The inaccurate/missing information includes the following : Account type, Date opened, number of months ( terms ), Payment Status, last reported date, Date last active, date of last payment, and payment history. The entire payment history Is highlighted because it is completely inaccurate and missing information. This is a direct violation of 15 U.S. Code 1681e - Compliance procedures and this account should be deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
After reviewing my accounts in my credit report, and disputing several accounts for incorrect information, Transunion has now reported all my closed accounts, that were closed within the last XXXXyrs, as having been opened within the last XXXXmonths, up to a year.

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 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-09-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX  request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$15000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Balance : {$360.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX Inquiry XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 in XXXX, Florida I was scammed on the beach. A man approached me selling waters and I asked for two. As I tried to send the money through XXXX using my Chase account an error message popped up stating the number was not registered with a XXXX account. The man took the phone out of my hand transferred XXXX out of my savings into my checking and sent XXXX dollars to one number and XXXX dollars to an email. My phone immediately died when he returned my phone. When I got back to my hotel and saw I was scammed I immediately called the XXXX XXXX Police Department and filed a police report. I even went back to where the incident happened with several cops and searched the area for this man. The XXXX dollar payment was canceled and I have yet to get my XXXX dollars back. I filed a claim and the claim was denied so I filed to reopen my claim and that was denied as well. This whole incident has caused me stress, financial stress and caused me to slip up in school. The XXXX dollars stolen from my is the refund money from my student loans that I absolutely need in order to repay those loans and continue school. This has caused me so much distress and destitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: EQUIFAX, INC.
State: NY
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 name XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
On XXXX I mailed off letters disputing negative information found on my credit reports. It's been more than 30 days and I still haven't received any information in regard to the account 's disputed. I am aware that credit reporting agencies have 30 days to respond to disputes but XXXX has not followed up with me in a timely manner. Therefore I'm submitting this complaint in hopes to having my issue be addressed and corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: LEXISNEXIS
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 is missing that should be on the report

Complaint:
XX/XX/2023 LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Please remove all the other addresses off my report, As they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: CITIBANK, N.A.
State: NY
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:
Dear Sir/Madam, I am writing to file a formal complaint against XXXX ( Citibank XXXX XXXX XXXX in relation to a debt in the amount of {$810.00} that was charged off in XXXX but continues to be reported on my credit report as charged off. This ongoing incorrect reporting is a clear violation of the Fair Credit Reporting Act ( FCRA ) and is negatively impacting my financial situation. 

Despite the debt being charged off by XXXX in XXXX, they continue to report it on a monthly basis as charged off. This continuous reporting not only misrepresents the current status of the debt but also violates the FRCA rules regarding accurate reporting of credit information. The incorrect reporting of this charged-off debt has had a detrimental effect on my financial well-being, making it difficult for me to obtain credit and negatively impacting my credit score. 

Additionally, I want to bring to your attention that I have not received a Form 1099 for this charged-off debt as required by the Internal Revenue Service XXXX IRS ) regulations. CBNA 's failure to provide this necessary documentation further adds to their noncompliance with relevant laws and regulations. 

In light of these violations, I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against CBNA. Specifically, I seek the following remedies : 1. Immediate removal of the charged-off debt from my credit report, as it is inaccurately and unfairly reported.

2. Correction of any negative impact caused by the ongoing incorrect reporting, including the adjustment of interest rates and credit scores.

3. Compensation for any financial losses or damages I have incurred as a result of this inaccurate reporting.

4. Enforcement of penalties on CBNA for their violation of the FCRA rules and failure to provide a Form 1099 for the charged-off debt.

I trust that the Consumer Financial Protection Bureau will handle this complaint promptly and ensure that justice is served. Attached to this letter are supporting documents, including copies of my credit report showing the ongoing incorrect reporting of the charged-off debt, as well as any relevant correspondence with XXXX 

Should you require any further information or clarification, please do not hesitate to contact me. Thank you for your attention to this matter, and I look forward to a swift resolution. 

Sincerely,

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and you all are required by law to do so. Please investigate my disputes, please. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Foris DAX, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Crypto.com Visa card has freezed my card 4 months ago after disputing unauthorized transactions and they refused to resolve my complaint or give me access to my funds and utilizing my account funds as a weapon against me {$4000.00} USD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Global Lending Services LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Global lending Services has been calling me twice a day for over 9 days straight now, sometimes after XXXX. They have even started calling my family members. In total they have called 18 times in the past week. This company is an outrageously unprofessional group.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation