BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-02
Company: JPMORGAN CHASE & CO.
State: TX
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:
At XXXXXXXX XXXX  on XX/XX/XXXX my credit card was used fraudulently at XXXX XXXX XXXX. While I was at home I received at text message notification from Chase asking if the transaction was made by me. I replied no and the charge was taken off my account, the card cancelled, and a new one sent to me that I have been using ever since. In XXXX of XXXX I looked at my credit card statement and noticed the amount of the charge, {$1700.00}, was added back to my credit card bill. 

I called Chase to inquire as to why the charge was back on my statement. The individual I spoke with told me because I had possession of the card, had no duplicate cards, and had no other authorized users of the card that the transaction was valid as it had taken place at a chip terminal. 

I set to acquiring any evidence I could gather to the contrary. First I called XXXX XXXX XXXX to acquire a receipt regarding the transaction but XXXX XXXX XXXX was unable to get one timely. 

I filed a police report on XX/XX/XXXX with the XXXX  Police Department and sent it to Chase on XX/XX/XXXX and was told that was insufficient evidence to overturn the fraud claim. I called Chase to ask what sufficient evidence would be and was essentially told to send them anything and they would look. 

On XX/XX/XXXX I submitted every statement I have received for my credit card and one and a half year 's of debit card statements to Chase for review regarding the fraud case. The credit card and debit card statements both show I have never shopped at XXXX XXXX XXXX in two years and anything a shopper at XXXX XXXX XXXX  or a XXXX XXXX XXXX member would purchase there I purchase at a multitude of other retailers and vendors. I wrote a narrative describing the credit card statements and debit card statements, impressing the fact that I can not shop at XXXX XXXX XXXX  since I am not a member and have no member ID, I don't shop there for anything XXXX XXXX XXXX customers shop for, and that at the time of the transaction I was at home. This was also rejected and the transaction is still posted to my credit card statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-19
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Utilizing My Fico I pulled my XXXX bureau report as I do annually to check my credit. There was a collection reported from XXXX XXXX. I called XXXX as I have a current account with them, and they explained that they did not transfer the account correctly when I moved XX/XX/XXXX, despite my account email and login remaining the same. I just transferring service to new address, it was not a new account and I continued to pay my bill on my account as I always did. They did not send this information to our new address either. I never received notice of an issue. I paid the balance and confirmed that my account was correct and current, that any further issues were resolved. I spoke with XXXX confirmation # XXXX. I was unable to dispute with the credit bureau because I keep having issues with their systems. This collection was a transfer mistake made by XXXX as my account has remained with them as long as I have been a customer and I pay every month, it is an issue they had when I moved and they agreed it should be removed but told me the credit agencies needed to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: NJ
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello Im XXXX, i am XXXX years old. I am a hard working person, a very good person, I am very kind hearted, easy target for scams. I didnt realize I was involved in one.

One guy was willing to pay me for a beat I make, but I didnt know he would put more than the amount he was suppose to give me. It was around 4,100 $ I deposited. What I realize that he wrote a big check so that he can cash it in the next day, and I would owe the money i would take out for him, please help me, Wells Fargo Said they would close my bank account. But Im innocent. I didnt know until a week Ago I think, thats why I stopped touching the money when I realized because I wasnt sure. Please understand. Wells Fargo is not cooperating with me. I cant Even email them. I cant let them close My account, and If nothing is done i Wont be able To Open another bank account .i am a good person, My credit score is good, I need this, Im trying to move out and this will Affect my life. I think this happen to because I lots of overdrafts but sometimes you just got ta give people a chance. I am young and this world is cruel, it could of been worse, if it wasnt for the check held I would of lost thousands of dollars, thanks Wells Fargo For saving me, but they have to give me a Chance

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 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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

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 2022-04-02
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was scammed out of a thousand dollars through XXXX. I did not have a XXXX account. So Wells Fargo should refund my money according to Regulation E, I should get my 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 2018-12-07
Company: GreenSky, LLC
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX XXXX knowingly short-sold it's XXXX XXXX purchasing period. 

Fact # 1 : The glossy advertising and literature boldly and prominently states ( first page, first bullet point ) : " 6 MONTHS TO PURCHASE everything for your project** and in fine print " ** Period begins at approval. '' Fact # 1a : This point was also emphasized by the saleswoman. 

Fact # 2 : XXXX XXXX  XXXX XXXX ( and associated in-store credit card ) was applied for XX/XX/2018. 

Fact # 3 : My XXXX XXXX  XXXX XXXX XXXX clearly states " VALID THRU XX/XX/18. '' Fact # 4 : My monthly statements clearly state in large, bold, highlighted font, " On your Promotion Expiration Date,  XX/XX/2018, a new monthly payment will be calculated for the remaining 84 months of your loan. '' Fact # 5 : My purchasing window was closed by XXXX XXXX without notice on XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: NJ
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:
XXXX about XX/XX/XXXX, I sent an Affidavit of debt verification request letter to Equifax pertaining to XXXX " XXXX XXXXXXXX XXXX XXXXXXXX '' accounts ( amounts {$3500.00} and {$6000.00} ). Equifax response to my validation request was I quote, " The disputed item is not currently reporting on the Equifax credit file '' and quote. Confirmation # : XXXX, See Attachment ( XXXX ). On XX/XX/XXXX, my wife obtained an identity theft police report for both XXXX XXXXXXXX XXXX XXXXXXXX accounts as well as other accounts, XXXX Attachments. On XX/XX/XXXX I sent separate notarized Affidavits ( pertaining to fraudulent accounts, unverified accounts and inquires ) to Equifax, XXXX and XXXX, See Attachment ( XXXX ). On XX/XX/XXXX, I called Equifax to inquire as to the continued reporting of the XXXX XXXX XXXX. Of XXXX accounts. After being transferred several times and on hold XXXX. and XXXX mins. the supervisor would not answer my questions as to their legal authority to continue reporting these XXXX accounts that are determined to be a result of identity theft via Police Report. At that point the supervisor sent me to an automated system to be disconnected. The first customer rep. I spoke with, I.D . # : XXXX, Call time : XXXX hr. XXXX mins. XXXX seconds, See Attachments. Complaints : XXXX. Equifax did NOT validate the XXXX XXXX XXXX. Of XXXX accounts. XXXX. Equifax said the XXXX accounts in question were NOT reporting on my credit file. XXXX. Equifax continues to report the unverified accounts after receiving the police report via certified mail. XXXX. Equifax has requested I contact the creditor for debt validation. XXXX. Equifax has blocked me from accessing my Equifax account. Despite my various written request for validation and removal of unverified accounts they remain in my credit file which intentionally violate numerous federal laws such as and not limited to : FCRA Sections ; 605 ( c ), 609, 611, 616, 617, 623 etc. As well as several FDCPA 's. 

Note : XXXX has also failed to delete these XXXX accounts from my file. I received a letter from XXXX ( dated : XX/XX/XXXX ) stating the debts have been deleted ( See Attachment ) but when I checked my XXXX account online the debts were still reporting therefore, this complaint also applies to XXXX. 












Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Resurgent Capital Services L.P.
State: FL
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:
This is a fraud claim against a dental firm. Their office burnt down and one of the owners stole all the insurance money in which I never received the XXXX XXXX XXXX and they made a FALSE CLAIM for a collection of @ XXXX - I NEVER RECIEVED THESE SERVICES. Not only that, she also didnt distribute any of the insurance proceeds to any employees and fired them! The false claim was reported to the credit bureaus by XXXX XXXX XXXX, XXXX. Now located at- XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Resugent collection refuses to provide any records of any services THAT WERE NOT RENDERED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I contacted all 3 bureaus via certified and registered mail with return signatures on separate occasions in reference to disputes that I had sent and requested validation. Prior to this I had spoken to a representative via phone from XXXX  and they stated that I needed a document from the bankruptcy court to prove what I was saying about the public record. I contacted the us bankruptcy court spoke to a division manger who stated that they do not verify that info its a public record if someone has one and he would send a letter to  me indicating that I received the letter and I submitted the letter and previous disputes once gain to each CRA. On XX/XX/2020 I checked my credit and I saw that on both transunion and XXXX  they had removed the public record but immediately put it back on to my credit file, I am so confused because isnt that a violation in the first place because they had sent documentation in the past stating that they had verified this information Ive sent letters requesting the validity of my disputes and have yet to receive any correspondence on their procedures of verifying the validity of any disputes. None of the disputes has been resolved till this date XX/XX/2020. I initially had 5 derogatory marks when the public record was removed I had 4 now its back to 5 to prove my point.

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 2023-10-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ok to be specific only one of the four inquirys from XXXX are correct the one from XX/XX/2022 is correct the other 3 are not one might be from when i called their customer service the one from XXXX XXXX is something i never applied for or got and should be deleted 2 XXXX XXXX i dont know abor and 1 of 2 specificly the newest one i have no knowledge of from penfed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TD BANK US HOLDING COMPANY
State: CA
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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Nordstroms/ TD is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general 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. '' Nordstroms/ TD, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Nordstroms/ TD whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Nordstroms/ TD never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2020-08-13
Company: Bread Financial Holdings, Inc.
State: MN
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 reached out to the creditor to dispute incorrect information and they claim they can't verify this account since the account is with a third party. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I called Equifax about 3-4 weeks ago and spoke with a representative named XXXX to request an early exclusion on a collection account that is due to age off my credit report this coming XXXX. He granted me this early exclusion and said that this collection account would be removed with the next update of my report. Well, I just refreshed all 3 of my credit reports and this collection is STILL ON my Equifax report, despite the fact that I was told by YOUR agent that this account would be REMOVED IMMEDIATELY and would reflect this on my next report refresh. In fact, it says that the balance on this account was updated on XX/XX/XXXX, just 5 days ago, when this account should have been DELETED as your representative granted me an EARLY EXCLUSION on it. This collection is from XXXX XXXX XXXX. I have uploaded a screenshot of this collection as it currently reflects on my Equifax report with this complaint. Again, YOUR REPRESENTATIVE, XXXX, whom I spoke with on the phone a few weeks ago, ASSURED ME that this account would be DELETED as he was granting me an EARLY EXCLUSION. If this is not deleted from my report IMMEDIATELY, I will report Equifax to the State of Maine Attorney General 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, 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 a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation