BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: SECURITY FINANCE CORP
State: LA
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 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. I told XXXX, XXXX, and XXXX to investigate these accounts as well as the SEVERAL hard inquires that should not have been did from SECURITY FINANCE on my XXXX ACC Name/numberXXXX XXXXXXXX XXXX # XXXX on all 3 credit reports XXXX XXXX # XXXX # XXXX # XXXX on XXXX and XXXX report XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Chime Financial Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On the XXXX through the XXXX XXXX, my XXXX XXXX was hacked into and unfortunately was still linked to my bank account they were able to drain it over a period of night through 17 different transactions. Until I had nothing left. I have been fighting with my bank over this for the past week, they have tried to deny me two times and I'm on my third rebuttal. XXXX XXXX will not help me, and I don't know what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit 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:
We've been having some issues with our Express card from Comenity Bank. First, our identity was stolen, and the thieves used our information to make online purchases. We reported the issue right away, and it was resolved quickly. However, we noticed that while we had a credit balance, but after that Comenity Bank claimed that we owed them money. We don't recognize the total amount they're claiming, so we messaged them on their website to file a claim. They acknowledged that we owed a smaller amount, but we asked for a breakdown of the total amount. Since then, they've been giving us excuses and asking for receipts, even though they have access to more information than we do. It seems like they're justifying the collection they're making without a proper explanation. And to top it all off, this has not been the only time someone has committed fraud with our cards with this bank - months later it occurred with a Victoria Secret Card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-08
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a complaint regarding Chase bank not following the Card Act. 

https : //www.consumerfinance.govXXXX  My latest statement had a balance of {$12000.00} with a minimum payment of {$290.00} I had a balance transfer with a 0 % promotional rate and deferred interest that is set to expire on XX/XX/XXXX  with {$3100.00} remaining. 

According to section 1026.53 ( b ) within the last 2 billing cycles the payment : The card issuer must allocate any amount paid by the consumer in excess of the required minimum periodic payment consistent with paragraph ( a ) of this section, except that, during the two billing cycles immediately preceding expiration of the specified period, the excess amount must be allocated first to the balance subject to the deferred interest or similar program and any remaining portion allocated to any other balances consistent with paragraph ( a ) of this section ; I made a payment of {$3500.00} on XX/XX/. Subtracting the minimum payment of {$290.00} that would leave {$3200.00} to be applied to remaining balances. 

This amount should have covered the entire balance of {$3100.00} that was subject to deferred interest before the rest of the payment would be applied to my main balance. 

I contacted Chase and they told me they applied the excess payment to the highest interest rate ( purchases ) instead of following the card act and applying it to my deferred interest offer balance that had less than a month left. 

This leaves me with a balance subject to deferred interest within the last 2 billing cycles even though I paid more than the required amount and Chase should be following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
An individual called my daughter on her cell phone from Chase bank claimed that there was fraud on my account and they were wondering if it was her. She said no and they said they would cut off her card and send her a new one in 3-5 business days but needed to set up a new pin number. Considering the number was from the local branch she was asked to verify her old pin so they could giver her a new pin number. Chase then allowed an individual to add my ATM card to a Mobile Wallet ( XXXX XXXX ) without any verification and use it to access a Chase bank ATM and perform 47 ATM withdrawals over the course of two days to withdraw money from my account exceeding the normal daily limit of ATM withdrawals. At no point in time was my physical card not it my possession or known to be compromised. When the charges were noticed and a fraud claim was made they denied the claim for reimbursement of {$2800.00} saying that i had authorized the withdrawals. A police report was filed and Chase bank would not send the video surveillance without a search warrant to assist in identification of the individual but would only send still shots from the ATM which were very little help due to chase allowing the individual to enter the bank and access the atm located inside the branch with a hat and covid mask and proceed to make atm withdrawals for a period of 20 minutes without being questioned. Chase bank is not helpful at all at identifying the individual or assisting to get the money back because they just denied the claim so have no financial incentive in assisting address this problem or view of liability

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit 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:
XXXX XXXX I became a Victim of Identity Theft. I notified Chase on XXXX XXXX, 2023 I was a victim of Identity Theft and I did not authorize a transaction of {$1200.00}. XXXX XXXX, 2023 I completed a police report and final narrative by the reporting officer and submitted to Chase. XXXX XXXX, 2023 I received a fraud alert text from Chase regarding charge and asking me, " Is this you? ' I replied, " NO. '' XXXX XXXX I received an email from Chase stating my credit card was successfully unlocked, per my request. I replied, " I didn't want it unlocked, I want it locked, I am a victim of Identity Theft, I need my account/profile/card Locked. Chase is saying the IP address used to complete the transaction is my IP address. I did a search on the IP address Chase gave me and the message showed : this site can't be reached, ERR-CONNECTION_FAILED. I submitted my IP address, which is NOT the one they said is mine. I provided complete documentation according to dates, transactions, name fraudster used, dates fraudsters attempted transactions, email addresses fraudsters were using to make transactions, phone # 's fraudsters were using, I provided Chase with dates & types of cards fraudsters were opening up in my name, I provided several information with dates fraudsters were using my name to apply for several types of loans, I can not believe this has continued since XXXX, 2023 with all the information/documentation and Police Report I provided. I also, forwarded an email from the Reporting Officer where he said, " I made it clear you are the victim. '' Chase continues to allow this transaction, which is making me more vulnerable and many other people by accepting this transaction from fraudsters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Employment Direct deposit- Have not recieved my funds from deposit date XX/XX/2023.

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 2023-12-11
Company: General Motors Financial Company, 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:
I am currently rewriting my complaint with GM FINANCIAL concerning inaccuracies in the information on my account. Despite sending a letter requesting an investigation into the mentioned account, the process took over 30 days to complete. 
GM FINANCIAL claims to have finished the investigation, but upon reviewing my recent report, I observed no changes. They assert that the information is verified, but discrepancies in the date of last activity, date opened, date of last report, payment history, and status suggest otherwise. This situation seems unjust. I am aware of my rights under 15 U.S.C 1681 section 602 A, which guarantees my right to privacy, and 15 U.S.C 1681 section 604 A Section 2, stipulating that a consumer reporting agency can not furnish an account without my written instructions. I have attached my FTC with the report number XXXX for this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: EQUIFAX, INC.
State: LA
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:
These Accounts have violated my rights According to FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX THIS LETTER IS REGARDING THE ACCOUNT LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. 
I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. 
PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, EQUIFAX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. 
PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT.

YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA.

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Advance America, Cash Advance Centers, Inc.
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I took out a loan on XX/XX/XXXX with due dates that were supposed to be when I get paid. Advance America tried to withdraw the money on the XXXX but payday was the first. I could have transferred money from another account. I have sent Advance America proof of the change in payday multiple times through their website, the last being XX/XX/XXXX and they have yet to make the change. I noticed the missing payment on Friday and immediately made a payment via debit card on their website. Since then, the company has not left me one voicemail. However, yesterday, they called my mother who called me distressed that a debt collector was calling me. I believe that Advance America had no right to call my mother on a current debt. The payment was made the day after it was missed, it was their fault it was missed because they have not updated the terms. Now my Mother, who has constant XXXX XXXX XXXX and XXXX has called me 5 times about this issue. I believe Advance America has violated FDCPA policies, therefore entitling me to damages for what I have been dealing with as a result of their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: AZ
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:
credit bureau reject to investigate and remove hard inquiries, which was posted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I applied for a loan to buy ticket some time ago. I had 2 loans with this company and then it came to a time that I had to leave and visit my family back home in another country. Before leaving i made sure everything was paid. Unfortunately, I didn't know that the balance of XXXX XXXX left on this account was not paid before leaving. Whiles away, I never got an email or text message about any balance reminder or such. I got back only to find out that I owe XXXX XXXX on my credit file and so I went ahead and paid the balance. I have tried several times to contact XXXX to make the necessary correction on my credit file since I have made that payment but failed in contacting them. The number on their website is ( XXXX ) but it just a voice prompt and never transfer you to an actual agent to talk to. I also went ahead to file a dispute with Equifax but up till now no change or any information has gotten back to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: PA
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:
Please see the attached documents to understand what had happened.

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 2023-11-25
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 is closed, balanced is in correct, this account was sold at a auction and gap insurance paid the balance on this an account that closed can not incur interest. this is a violation to me the account is closed, their should no updating on this account last payment made on account was XX/XX/2018. nothing should reporting since then account has been paid off already and due to many violation to me and my credit report. XXXX are all violated here. I was my rights were violated in so many ways, I was not told the sold that and auction date. I did not know any of pricing for sale of car. I didn't approve of sold price at auction. I was told about sale price after it was sold at auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
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:
Please be advised that as of XXXX as listed on my most recently reviewed consumer credit report, there are several unauthorized / fraudulent inquiries listed : XXXX XXXX XXXX  XXXX XXXX XX/XX/2023 and XXXX XX/XX/2023. I am hereby notifying you that these inquiries are fraudulent. Neither on those dates or dates similar did I authorize any individual from Equifax to furnish my consumer information to any company. Having understood that this is a violation of 15 U.S.C.1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other - In accordance with the written instructions of the consumer to whom it relates. Both together and seperately, my consumer and privacy rights are being violated. If you can not provide my written authorization, the aforementioned unauthorized / fraudulent hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: FL
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: FL
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 the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: EQUIFAX, 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 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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

Company response to consumer: Closed with non-monetary relief