BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi- I reported that I was the victim of wire fraud to both my bank Chase as well as the bank that received the funds, XXXX XXXX. The wire was for a purchase of {$13000.00} and occurred on XXXX reported this morning on XXXX. 

I started to get suspicious when the seller told me they dropped my package and provided a XXXX number. I of course checked but it was just a label and had not yet been scanned. After 24-hours I started to get suspicious so I contacted XXXX. They confirmed that they did not physically have it and that I should check with the seller to see when they would be dropping it off. From this point, the pieces all made sense. I started looking through everything. The name on the bank account didn't match the home address. The XXXX label was printed half way across the state from a different location. An email address that XXXX only could find linked to the sellers posts. 

Now feeling helpless, I contacted Chase on XXXX hoping they would put their expertise on full display. They seem to showcase their " fraud protection '' as something a customer should feel peace of mind about. On the contrary I was told that this was my fault and my liability since I initiated the wire however they would put in a request and contact XXXX XXXX to see if anything could be recovered. They said this is a long process and no guarantees. 

I contacted XXXX XXXX on XXXX and they did not have a way that I could report wire fraud on an account I had sent money to. I asked if there was anyone I could talk to regarding how they handle wires on fraudulent accounts- they said that the wire transfer team does not take calls. 

I am frustrated that these huge banks haven't figured out how to work together to protect customers. They make it so easy to send money but when the criminals use the system against us the road to recovery is a long-winded process. Banks should stop being a safe haven for criminals and work to help customers trust that they'll be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: IL
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am writing this due to non-compliance with the CRA TransUnion.They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and outright refusing to uphold the law. 
Name of account : XXXX XXXX XXXX Account # 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 2023-05-18
Company: OneMain Finance Corporation
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
A {$5000.00} alleged loan issued by ONEMAIN FINANCIAL with the title of an automobile being used for what was believed to be collateral showed a balance of {$10000.00} and some cents at one point. Three different Insurances were also included and when a claim due to unemployment was denied is when the other two were brought to notice. The unemployment insurance was explained to be included in case of such misfortune which is what happened but the insurance denied because XXXX contractors aren't covered which was not disclosed which is deceptive. Also not to mention the other two unknown insurances. Once they were canceled. The balance then showed {$7700.00} with a past due payment of {$210.00}. I do agree that one should pay back what they owe if the agreement was fully disclosed, there was equal consideration, the terms and conditions were lawful, and The contract/agreement has a wet ink signature from both parties. I do agree to pay any financial obligation which I might lawfully owe on the condition of the below requested resolution. Without Prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: MD
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 XXXX is reporting false information to the credit bureaus as been verified but the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-02-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have reached out to the three different credit bureaus for them to update my address correctly and they still have not completed this information. I have sent in numerous documents to correct my address and they have refused to change it.

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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$970.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/XXXX, I received a letter from XXXX XXXX stating that I required a deposit because of a low XXXX XXXX Score. However, the key factors listed included a " Lack of Open Service/Professional Accounts '' and there is no definition or explanation of this anywhere. It offered me the right to get a free credit report, but this does not explain or provide what accounts listed are actually service or professional accounts.

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 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have an auto loan with XXXX XXXX. Ive contacted them about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all TRANSUNION & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update these accounts to never late or else delete it. This is a strict violation of Fair Credit Reporting Act sections 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


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 2023-05-03
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2021-02-15
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted over 50+ request to have my credit reports to show updated payment information on my reports. There are accounts that show as charged off even though the balance is XXXX and I was advised that AT LEAST it says charge off. Yes I paid t I paid I. The midst of them transferring the account so its a catch XXXX its paid but the person account sold too still shows as owed ( XXXX ) XXXX XXXX payments are made auto draft and a recent {$200.00} payment made but I am not allowed to dispute as they stated they reviewed the account in 2019. In the midst and of covid19 why should I have to fight with the credit bureaus to make sure at least my credit is correct? Were in a pandemic XXXX XXXX plus have died and my report shows late payments. I am unemployed and have tons each reporting agent and original reporter this and no one has offered any relief. I am certain the banks got PPE money yet I am required to pay off a credit card that I WAS MAKONG PAYMENTS FAITHFULLY ON BEFORE COVID IN FACT XXXX XXXX SHOWS THIS AS A CHARGE OFF BUT TRANSFERRED {$200.00} from a deposit for rent from my account. This is not right. Were In a plague and debtors dont care and we suffer. I tried with the credit agencies still no relief

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 2019-06-14
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ABOUT THREE MONTHS AGO I RECEIVED A DEBT NOTICE FROM COLLECTION AGENCY CALLED CAPIO. I HAVE ASKED THIS AGENCY TO PROVIDE ME WITH A DETAIL OUTLINE OF ALL CHARGES LISTED LEADING TO THIS DEBT ADDING UP A TOTAL OF {$1700.00}. I AM REQUESTING THE INFORMATION IN WRITING WITH MY SIGNATURE SHOWING I DID AGREE TO THIS AMOUNT FROM CAPOI. I HAVE NO KNOWLEDGE THIS DEBT EXIST.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
CREDITOR DISPUTE CREDIT INFORMATION XXXX XXXX CARD I, XXXX XXXX, believes that the account I had with the determined creditor was posted as either a charge off, or has excessive late payments that were deliberately placed after I got involved with XXXX XXXX   XXXX. What happened is that XXXX XXXX XXXX let these accounts go into a charge off status before they came up with a settlement arrangement. Therefore, the charge off status on these accounts were caused from a pre-arranged relationship with XXXX XXXX XXXX and the original creditor and/or debt buyer. This is a collusion business practice where the consumer can not successfully negotiate herself out of debt without a long-term derogatory statement on her credit report. Accordingly, I believe that each creditor must fulfill a fair solution to the creditor arrangement now posted on XXXX, XXXX  and Trans Union respectively.

1 ) The original creditor must delete the prior-payment history completely.

2 ) A date certain must be stated as to when the credit tradeline can be removed.

3 ) The charge-off status must be deleted permanently.

All creditors maintain a subscriber agreement with the credit reporting agencies. These creditors must comply with all legal guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act pertaining to credit reporting on all consumers. However, the charge off status was forced by the debt negotiations company, and the late payment excessiveness was by design, not by any action from me personally. Accordingly, I believe the following actions by the original creditor on all credit updates will be fair under the circumstances : 4 ) The original creditor must delete the prior-payment history completely.

5 ) A date certain must be stated as to when the credit tradeline can be removed.

6 ) The charge-off status must be deleted permanently. 
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 2022-01-08
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This vehicle has not been in my possession since 2019. It is my ex husbands account. I have attempted to fix things with the company but they refuse. It is not mine, and the property was stolen in 2019. I am XXXX XXXX XXXX and it occurred when I was in 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 2023-10-04
Company: U.S. BANCORP
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/23 someone hacked my XXXX app and ordered XXXX in Florida using my card information saved to the XXXX app. This likely could have been prevented if XXXX would require 3 digit security code with each purchase. XXXX corporate tells me to dispute charge with US Bank and US bank will not reverse the charges to my debit card account despite me reporting the fraudulent transactions and requesting the bank not process the fraudulent charges. I noticed it on day of charges and deleted bank info from XXXX app and changed XXXX password shortly after hacker made three XXXX purchases in Florida of {$14.00}, {$14.00} and {$6.00}.

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 2021-03-22
Company: JPMORGAN CHASE & CO.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2021 I received an email from Chase advising me to call for a periodic review. Upon receipt of the email, I called to see what was needed from me. After going through the verification process, the gentlemen I spoke with advised he was going to ask a few questions to help him review my account. Please see below on some of the questions asked. 

1 ) income 2 ) what are you using ur credit card for 3 ) have a personal loan through another company, what was the personal loan for?

4 ) why was my balance so high?

5 ) where did I get the funds to pay my balance?

6 ) did I take a 401k loan to pay my card off in full?

After answering the questions, the gentleman advise now that I have paid my balance in full they were lowering my line of credit from $ XXXX to $ XXXX. 

Here is the problem, I felt the questions were way to invasive. Personally speaking, why would a credit card company ask if you took a XXXX loan to pay ur balance? Sounds like discrimination to me. Additionally, he never advised me of the possibilities and to be honest this was a deceptive practice or the agent I spoke with was deceptive and unfair in his approach. Quite frankly, down right XXXX. I can totally understand a credit card company making a decision like this if I was not paying on time and didn't pay the balance off in full. 

I did inform the gentlemen that I felt deceived and that he was making an uninformed decision with the little information he had available. I advised him I used my savings to pay my cards and personal loan off that were showing on my credit report and that at the time of my statements cycle it will show as being paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: Affirm Holdings, Inc
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am being charged for two accounts I did not open. Someone used my social security to open this account without my knowledge. The companys name is Affirm Inc.The amount is for {$170.00} and {$140.00} fraudulent charges were made. The date opened was XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Come its XXXX XXXX credit card account is closed. The company is now reporting as past due not paid with a balance. On XXXX XXXX spoke with XXXX XXXX who was supposed to have a letter sent and account closed. This was not done. On XXXX XXXX spoke with XXXX XXXX option XXXX ext XXXX Says that an updated letter balance in full dated XX/XX/XXXX showing a XXXX balance. Says the account is not past due and is being reported incorrectly as there is no balance.

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 2021-03-22
Company: EQUIFAX, 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:
I sent a notarized Affidavit of Fact on XX/XX/21. EQUIFAX has violated several laws according to THE FCRA 15 USC 1681. My consumer report should not include any of the following ; any factual information may be reported, credit transactions arising from you credit card ( my ssn ), any credit transaction between you the consumer and any person making the report. EQUIFAX did not have any permissible purpose to furnish any of the items listed on my credit report. I XXXX XXXX the Federally Protected Consumer did not give permission orally, written, or any other way to list these items on my credit report or credit file. Affidavit of Fact along with Exhibits will be included in the files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: OneMain Finance Corporation
State: TX
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 Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 consume 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 ) ( a ) 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. Delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONE MAIN XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation