BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-08
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Good Morning, Please find attached the following documents supporting that we did not use United Visa Card for the expenses of {$790.00} USD at XXXX XXXX on XX/XX/XXXX and of {$1500.00} at XXXX XXXX on XX/XX/XXXX : 1. Travel Confirmation reflecting I was in XXXX at the time the card was used 2. Confirmation my brother used XXXX  in XXXX  on XX/XX/XXXX XXXX. My brother Bank Statement ( Marriott Chase Visa ) reflecting charges in XXXX  on XX/XX/XXXX and XXXX Given Chase your fraud policy ( XXXX XXXX XXXX ) and our history as clients, we are extremely surprised of how you've handled the situation. The fact that I was not in the United States at that time and that my Brother who is also a Chase CardHolder used one of your cards in XXXX XXXX on those same dates clearly reflects that we are not responsible for those charges. I also called Chase immediately as I received a notification to inform you that those charges were not ours and to this date I haven't received a response after calling several times. I've also just noticed that I'm being charged a Minimum Payment due on the credit card. 

Thank you in advance for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
In accordance with the fair credit at this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states consumer reporting agencies can not furnish an account without my written instruction. Under 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any 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 2023-09-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX I attempted to get my annual credit reports from XXXX, XXXX and TransUnion. I did receive the XXXX and the XXXX reports. When at the final stage of processing the TransUnion report, the TransUnion system said there was a temporary error on their end. I then proceeded to call TransUnion and also to go to my account login. I have been unsuccessful in both of those attempts. When I login into my account, I immediately receive a message that TransUnion is experiencing a temporary difficulty on their end. I have spent many hours since XX/XX/XXXX trying to access the account and have contacted TransUnion numerous times. I had also on the initial call to request a copy of my annual credit report by mail. I have still not received it. Since I had previously had a fraudulent purchase through XXXX that required the issuance of a new card, it is most important to be able to check my report and information on the TransUnion site. I am trying to resolve this issue and am reaching out to the cfpb.

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 2022-09-28
Company: EQUIFAX, INC.
State: PA
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:
Equifax failed to properly investigate unverified accounts and remove them per 15usc 1692 g ( b ) iii, per 15usc 1681, resulting in violation 18usc241.

Fact- Notice of no further investigation would be permitted violating 15usc1681d ( b ) ( c ), 1681 ( d ) 3, 15usc 1681E ( a ) ( b ) The apparent willful neglect of 15usc 1681 ( L ), 15 usc1681 ( m ).

Upon request of contract of obligation I was five false documents that showed no judgment of account or contract of agreement. Violating 15usc1692j. I am due remedy for these violations against me under 15usc1681o. The accounts unverified are XXXX XXXX XXXX reporting since XX/XX/XXXX XXXXXXXX XXXX reporting since XX/XX/XXXX XXXXXXXX XXXX  reporting since XX/XX/XXXX XXXX reporting since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
I had multiple charges which appeared on my account that I did not authorize. After noticing that these charges have appeared on the account, I made a phone call to Bank of America and followed the instructions provided by their employees to file the claim. The claim was eventually closed and no funds were recovered. When I called to clarify what the reason for this would be, I was told that there was a verification made by me for one of the charges, the other charge wasn't mentioned separately. When I asked the method this verification was made, I was told either email or phone call. At this time I notified the representative that I have not received any form of communication regarding the transaction, as I check my email regularly, and I no longer had access to the phone number on file with my checking account. For this reason, the claim was reopened, but nothing changed, I am not aware of any further action taken and no further information was given to why the claim was closed than what I have already been told. 

A few months later, on XX/XX/XXXX after reviewing my account and the charges on the account I saw new charges that had appeared which I did not authorize out of which one charge shows up in my online banking as mobile phone payment, which is interesting because I have never gave my card to anyone or allowed anyone to set up a mobile wallet with my card and I have my phone always. The phone also has a passcode and FaceID enabled. At this time I have restored my phone and erased all data, as well as ran an antivirus software on all of my devices.

I would like to ask for these charges to get researched and the funds retrieved along with the international transaction fees where applicable. Unfortunately at this point the charges add up to a substantial amount, the absence of these funds is taking a toll on me personally.

Here is a list of the charges mentioned : XX/XX/XXXX PaySend XX/XX/XXXX PURCHASE XXXX XXXX XX/XX/XXXX PAY.NL *XXXX  XXXX XX/XX/XXXX PURCHASE XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX PURCHASE XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX PURCHASE XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX NY XXXX There was also a refund from the XXXX from XXXX which which I am also not aware of, as I did not make the initial charge, nor did business with XXXX  : XX/XX/XXXX XXXX  XX/XX/XXXX REFUND 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 monetary relief
Consumer complaint received 2020-10-02
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS IS MY SECOND AFFIDAVIT. I AM HIGHLY OFENDED THAT I AM ACCUSED OF USING A CREDIT REPAIR COMPANY. I AM A VICTIM OF IDENTITY THEFT. IM TAKING THE PROPER STEPS BUT BEING ACCUSED OF USING A CREDIT REPAIR COMPNAY. REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
For months I have been trying to have an account that I did not recognize and therefore was fraudulent from my consumer credit report. The account being referenced is from XXXX XXXX XXXX. I have disputed this account with the credit reporting agency several times, asking them to not just verify but validate that this account belongs to me. Each time I either received no response at all, for our received a very generic one or two sentence response, which I can only assume is in auto response form letter that does not provide the information I requested in regards to how the account was validated. Specifically, what method was used, what phone number/address was used, who was spoken to, and what documentation was provided to them that allow them to reach this conclusion. Which is also required by law to ensure that they conduct a reasonable investigation, and not just be able to say whatever they want, but have to actually prove it. 

I have also reached out to the creditor that was listed on this account. Both by phone, and certified mail. By phone the individuals I spoke to informed me that they do not have any account by my name or by the listed account number on their records. So I sent letters via certified mail to the addresses listed for the creditors on my consumer credit report on Those letters were received on And as of this time I have not received a response from them. Which puts them out of the 30 days they are allowed by law to respond which makes the nail noncompliant which means this account must now be removed immediately. 

Here is a list of all the letters I have sent regarding this matter along with the dates they were sent, the dates they were received, and the response. 

Dispute sent to Transunion XX/XX/2021, received XX/XX/2021. Response : XXXX XXXXXXXX 
Dispute sent to Transunion XX/XX/2021, received XX/XX/2021. Response : XXXX XXXX 
Dispute sent to Transunion XX/XX/2021, received XX/XX/2021. Response : XXXX XXXX XXXX XXXX XXXX Request for XXXX XXXX XXXX  sent to XXXX XXXX XXXX XX/XX/2021 XXXX received XX/XX/2021. XXXX XXXX. 
Request for XXXX XXXX XXXX sent to XXXX XXXX XXXX XX/XX/2021 XXXX received XX/XX/2021. XXXX XXXX. 

You will find all of the letters mentioned above as well as an ftc report and XXXX data breach claim attached to this complaint. 

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 non-monetary relief
Consumer complaint received 2020-08-03
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
everything started when government announce that companies can give a 3 months forbearance in the mortgage because of the COVID 19 Pandemic, I called my mortgage company and they told me to apply online. I did apply online and I got a response that my file will be in process, after that I did not hear from them, no emails, no letters in the mail. they said that they called me, but with all the calls were were receiving from collection agencies. i did not put a lot attention to phone calls. after couple month of hearing anything almost at the 3rd month, I received an email from one if my credit card saying that my credit was poor. they i dig into that finding out that I was late in my mortgage. I call the loan servicing ( LOAN CARE ) and they were not only rude about, but they stated that they call me and sent me letters which I did not received, and they told me that i can apply for a forbearance plan, which I did and now they dont want to take any payments until they get an answer from the investor. after that they transfer me to customer service and they told me that they didnt not send me letter to communicate because i have an electronic communication, but also they never sent me an email on this matter. my job is been affected and stops completely for almost 4 months. but i am willing to start making payments. 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 2023-09-20
Company: EQUIFAX, INC.
State: IL
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:
Ive just recieved my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. IN accordance to the FAIR CREDIT REPORTING ACT, XXXX account number XXXX, XXXX, XXXX, XXXX and as well as a fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX has violated my right 15 USC 1681 602 a states i have the right to privacy 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnishn an account without my consent if you have any questions or concerns i can be reached at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account.

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 2023-08-29
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was a victim of identity theft and have filed reports with the FBI and local law enforcement. I was informed by both to contact all companies with fraudulent accounts and have them closed. All the companies have helped me to close my fraudulently opened accounts except Coinbase. I did not open the account and did not authorize any of the transactions on the account. I would like the account closed and confirmation from Coinbase that the fraudulent account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 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 2020-12-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My checking account was closed with a positive balance on XX/XX/2020 without notice and my Veterans Affairs benefits which is exempt from garnishment and has been illegally withheld from me and was told today after speaking to the executive resolutions team that I won't have my fund for over 60 days when I have bills including rent and food for which I depend on my benefits for. Today and am going through hardship due to COVID and want my funds mailed to me immediately and USAA charged fines for this incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Owners fell behind in mortgage payment. Lender offer to put late payment at the end of the loan to bring mortgage current. Lender then sent the attached Partial Claim Mortgage for signatures to a first time home buyer and his senior grandmother. They did not understand what they were signing but was told to sign or lose their house to foreclosure. So they signed it. The problem was they were only behind {$13.00} and they made them sign for {$55.00} and did not give them the difference in the equity they pulled out. They kept the money then and again when the house sold they paid themselves off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Experian Information Solutions Inc.
State: LA
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:
Back in XX/XX/XXXX and XX/XX/XXXX I noticed inaccurate information on my account due to identity theft. I have been fighting with the 3 credit bureaus XXXX, Experian and XXXX  to remove these accounts but they have to respond.

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 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit to discover a debt that doesn't belong to me. It is from XXXX and account # XXXX, XXXX account number XXXX and lastly 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 2019-04-03
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive repeated phone calls from a XXXX XXXX number 6-8 times a day. I spoke with a woman one time and explained Im not paying anything until I get something on paper. She then proceeds to say bye XXXX. I have asked several people to please quit calling me and they havent. This debt theyre speaking of is not on my credit report. They also text me as well saying to please give them a call using different names.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: PA
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 refilling formal complaint to EQUIFAX for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I sent out dispute letters to them so many times but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

Company response to consumer: Closed with non-monetary relief