BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: JPMORGAN CHASE & CO.
State: RI
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:
Chase Card Services seems to be exhibiting a pattern of FCRA violations and this is just the latest example ( see prior incident filed XX/XX/XXXX ). 

We ordered a replacement dishwasher part from XXXX in XX/XX/XXXX. The ETA was XXXX XXXX. At the end of XXXX, I received communication that the part was going to take up to another two months to ship. I emailed XXXX requesting cancellation of the item due to the long wait. I then immediately secured the part from XXXX. XXXX replied that they could not find my order. I provided them with all of my information and noted this should be enough information to look up my order and cancel it. XXXX never responded after this. 

Out of the blue, in XXXX we received a package from XXXX with the part. We contacted XXXX requesting they pickup the part at their expense since we informed them to cancel it months prior. XXXX also did not respond to this email. We then called their XXXX and experienced a substantial wait time so we hung up. 

Having no other choice, we disputed the item with Chase XXXX XXXX XXXX XXXX XXXX We kept the item and were prepared to provide it to XXXX when they came to pick it up. 

Having had a Chase account for a few years, we have noticed that Chase always puts up unnecessary roadblocks when disputing charges, no matter how obvious the dispute is in your favor and no matter what you provide upfront. Even if you include all pertinent information in your written dispute, they still require you to -call- them ( no electronic option is provided ) to re-provide all of the information you already provided to them. Presumably, this is to create friction and cut down on their labor costs in handling disputes. Nonetheless, we always play ball and provide the information requested. Usually, this is the end of our obligation. However, this time Chase mailed us a dispute form in XXXX requesting, for a third time, the same information we already provided to them. Again, we jumped through their hoops and responded by the XXXX deadline indicated. 

Inexplicably, we received a letter from Chase yesterday explaining that the merchant shipped the item to us and showed proof and therefore the charge is valid. 

This is a direct violation of the FCRA. Once we made our attempt to cancel the item, the purchase should be considered canceled and any attempt to continue the purchase is unauthorized. The fact that we then made attempts to allow the merchant to take the item back demonstrates that we clearly did not want this item, and that the obligation is on the merchant, not us, to facilitate the return.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13
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: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX and I am writing to delete the following information in my file. I am currently in the process of trying to buy a house, but these items are hindering the process. The items I need deleted are listed in the report. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. 



XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2022-12-22
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: Their investigation did not fix an error on your report

Complaint:
I have reviewed my consumer report and I notice the credit reporting agencies are reporting private information about my credit standing and worthiness. It is the credit reporting agencies duty to insure fairness, impartiality and to have respect for my right to privacy. My private information and credit experiences are being publicly furnished without my written consent. I am requesting the method of investigation used to verify the accounts that are being furnished without my consent. VERIFICATION " means the process of establishing the truth, accuracy, or validity of something with official documents ''. Please send me the statements of account and documentary evidence in accordance with Truth-In-Lending and the written document from me giving any consumer reporting agency consent to furnish these accounts. If the requested documents are not provided within 30 days please delete the accounts immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act this creditor violated my rights under 15 USC 1681 section 602 states I have the right to privacy, as well as 15 USC 1681 section 604 A section 2 states also that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a open end consumer credit plan as late for any purpose. 

Not only is it violating my rights, the balances are not accurate as of XX/XX/2023 and accounts have been paid down in XX/XX/2023 and carry either a XXXX balance or low balance. 

The following accounts are ; 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 explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  Balance {$4500.00} XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XX/XX/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 2023-09-19
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My M & T bank account app on my phone has been blocked for a month and Ive been trying to call them and even went in person a couple of times to try to get my account unblocked to see how much money I had on there and someone has been taken money out of my account and it wasnt me. I was too scared to spend any money because I didnt want to go over and I havent been able to get into my accounts but instead of helping me get back into my account and giving me money back they decided to cancel my whole entire bank account. They took my whole paycheck that was {$980.00} and I have rent to pay on the XXXX and I really need that money back.

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 2020-04-15
Company: MIDFIRST BANK
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I just learned that dual tracking from the mortgage company and that exactly what they did to me. 
Midland mortgage was telling me on every call that i could make a payment and it would postpone the foreclosure as long as i was making a payment. Yet, i was still given a sheriffs sale date. I would call them no less than once a week. I had to leave my home. I can not undo what midland did but they should be forced to remove the foreclosure from my report so i can buy another home. Do i have legal recourse for what they did?

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 2020-06-27
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I call Santander collector Department XX/XX/2020 and XX/XX/2020. Iam being unfairly treated .I covered this with a representative on the places and was assured I would see no late payments. This impacting my ability to get my mortgage.

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 2019-01-30
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently pulled my credit report from XXXX  and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account in XX/XX/2019. I have previous credit reports from both agencies pulled on today XX/XX/2019, and neither one of these reports show me late in XX/XX/2019. Not only was I never late on this account, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I contacted your company and talked to a supervisor ( XXXX XXXX  direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. She promised to send me a payment history of my account. I never received such documentation. The results of my XXXX dispute and my XXXX  dispute have just come in, and both say verified. How is this possible? You werent able to provide me with anything. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for  reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a perfectly good line of credit with Citibank. I had been a customer for 20 years. Several years ago I started using their mobile app. All was fine until I entered a second bank XXXX XX/XX/XXXXXXXX XXXX ) that I was going to be making payments from. Unfortunately, I decided not to move forward with moving my account over to XX/XX/XXXXXXXX XXXX. However, twice recently, when I clicked on the " convenient '' pay my bill button, Citibank tried to take the money from the XX/XX/XXXX XXXX XXXX, despite that I had thought I reset XXXX as my primary bank. It was a simple technical error. I had plenty of money in XXXX to pay off the entire $ XXXX balance, which I did immediately that Sunday after learning of the action. I appealed, but they declined to re-open my card. Again, it was because I didn't understand sufficiently how to manage the app that this whole situation occurred. But frankly, I am technically saavy and thought I had indeed switch XXXX back to being my primary account. So it could have been a technical glitch on their end. They closed my card and I suspect it was something on their app that was at fault. They did so the week before XXXX and also as I was trying to purchase a house, which showed up as an adverse reaction and destroyed my credit score, which was over XXXX. Shame on them.

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 2023-08-23
Company: EQUIFAX, INC.
State: OR
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:
In accordance with the Fair Credit Reporting act has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 then records of convictions of crimes which antedates the report by more then 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 non-monetary relief
Consumer complaint received 2018-05-04
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection company named Amshercollection Services is reporting on all 3 of my credit reports. This is the 3rd company that is listed on my credit reports and has tired to collect on this debt. I called this company and they stated that they do not have this file or account but they are reporting on my credit report. I want this item removed from all my credit reports ASAP. This reporting is affecting my credit rating and my ability to receive credit. I was a victim of theft and someone received credit in my name. This account does not belong to me. Please remove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had {$500.00} in my chime savings account and about {$40.00} in my chime checking account. My accounts were closed randomly without any notice or explanation other than I violated the user agreement. They closed my account and said all funds from my checking and saving a will be sent with a check within 30 days. I emailed them to ask how much they check would be for and they said for {$0.00}. I got a fact know how much money was I. My account at the time of closure. I would like my money sent to me with a check to the address I have on file with chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
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 information incorrect

Complaint:
XXXX XXXX XXXX locked my online access to my account because I had a negative checking account balance. The online account access was how I paid my credit card bill. During the time frame my account was locked I missed a payment on my credit card which is negatively affecting my credit. I called XXXX multiple times and they were n't able to take my payment over the phone without charging me a {$20.00} fee. I finally got on the phone with a manager who refunded my late charge on my credit card and restored my online access but the late payment is still showing on my credit 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 explanation
Consumer complaint received 2022-05-13
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i send to you a lot information about the Court and from pdf

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Shared my information with out my consent

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 2021-05-27
Company: FC HoldCo LLC
State: TX
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:
To Whom it May Concern : I have been trying to get help from Flagship Credit Acceptance and all 3 of the Credit Reporting Agencies to assist with removing the 3 late payments that are being reported by Flagship Credit Acceptance. I have a document from Flagship that states they will remove my late payments and treat them as current. This was part of the " Temporary Reduction In Payment '' ( TRIP ) Agreement. I was sure to make my payments per the agreement, and have been current since the date of the letter. Yet the creditor and the reporting agencies have not taken my complaint seriously. Please see my attached documentation. If you have any questions or concerns, please feel free to call or email me. 

Best regards, XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX, TX. 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 explanation
Consumer complaint received 2023-08-23
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:
My name is 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 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent Transunion, XXXX, And XXXX my identity theft Claim. They are furnishing student loans on my reports that are identity theft and i also never given written permission for these accounts to be furnished on my report pursuant to 15 USC 1681b ( a ) ( 2 ). THIS IS IDENTITY THEFT AND XXXX, XXXX XXXX TRANSUNION HAVE BROKE THE LAW This isnt fair to me and i am losing faith in the system and if these companies want to continue doing business with me, Then they need to remove these accounts off my report. 

I am attaching my identity theft report and my letters that were sent.

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