BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I've been banking with Chase for over a XXXX. Recently my account was hacked and {$1400.00} was stolen from me. I spoke to a representative who assured me that the funds would be reimbursed and they did reimburse me but only partially. I went to a branch and got reinbursed for the rest of the funds. After about a XXXX Chase pulled the funds that it reimbursed me stating that i was the one who withdrew the funds. I told them to check thir ATM footage and they will see that it was not me but they stated that there was nothing they could do. I went back to the branch and gave them proof that it was withdrawn using XXXX XXXX  and i have an XXXX phone. They reinbursed me again but only a week later they pulled part of the funds again. I went back in and Spoke to the manager XXXX who spoke to the corporate and got reinbursed again. Today i check my account and they pulled XXXX XXXX back again so i am at the bank waiting to speak to someone to see what is going on here. Everytime they pull funds it's for a different amount. I am ready to close my acount because i do not trust chase anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-24
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Unable to resolve problem therefore account was closed/ suspended by creditor. 

A new account was then set up

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

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 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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX XXXX PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$520.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance $ XXXX  Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 24 Months Contact info Address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX CREDIT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

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 2023-07-13
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2022, I fell victim to XXXX multi - layered scam operations run by " XXXX XXXX '' and an " XXXX agent '' which involved me making deposits for a total amount of XXXX usd from XXXX XXXX XXXX account to fraudulent investment firm ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: ACIMA CREDIT, LLC
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: Information belongs to someone else

Complaint:
There is an account with number of XXXX by ACIMA DIGITAL FKA SIMP that as of XX/XX/XXXX reflects inaccurate information to the credit reporting agency as a charge off in the amount of {$2900.00} as of XX/XX/XXXX. 

I have requested multiple occasions the validation of this account from the furnisher but have failed to receive any information or documentation pertaining to his account. 

This account was fraudulently opened by a business who was no longer in business at the time this account went into collections. I have researched this account and the business that it was purchased under is no longer operating under the state of Florida. The lease agreement under ACIMA DIGITAL FKA SIMP was for a vehicle sale which the business at the time agreed upon under my name. An actual vehicle sale, not an accessory but an actual vehicle. I do not believe ACIMA has the authority in the state of Florida to proceed in the purchase of automobiles. 

This account needs to be removed from my report immediately due to the activity that occurred in XXXX and resulted in a charge off to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: MO
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: NV
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:
In accordance with the Fair Credit Reporting act XXXX Account, 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. The following Account ( XXXX ) : XXXX XXXX XXXX XXXXcct # XXXX Amount {$950.00} - Dispute Account Information Address XXXX XXXX XXXX XXXX XXXX GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2022 Responsibility Joint Account Type Open Account Loan Type XXXX XXXX  Date Updated XX/XX/2022 High Balance {$950.00} Original Creditor XXXX XXXX XXXX  Past Due {$950.00} Pay Status >Collection<

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Nelnet, Inc.
State: ND
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 been sending out letters to the Bureaus to delete those inaccurate information on my credit report especially all those student loans account, they all have different Date of last Active. I haven't received any response regarding these accounts. This stops be of getting approved for any credit and they are hurting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: EQUIFAX, INC.
State: GA
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 is showing an inquiry dated XX/XX/XXXX from a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ... ... ...... 
Equifax claims this is a matter of FACT. 
I herby request Equifax send all the facts regarding this inquiry as it is not mine and has occurred after several data breaches ( XXXX XXXX  ) I have contacted this XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX and spoke to rep XXXX XXXX XXXX and she assure me there was no information about me in there system and more recently contacted rep XXXX XXXX XXXX XXXX at said company on XX/XX/XXXX and again no information appears in their record.Since Equifax says its valid I NEED TO SEE THE PROOF OF THIS! 
IF INFACT EQUIFAX CAN NOT SUPPLY THE PROOF IT NEEDS TO BE REMOVE OR AN ARBITRATION HEREING IS REQUESTED!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: FL
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:
Accordance with the Fair Credit Reporting Act.List of accounts below has viollated my federally protected consumer right to privacy and c

onfidentiality under 15 USC 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 instruction 1.XXXX XXXXXXXX  ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX .ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX OF 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 2023-05-18
Company: Experian Information Solutions Inc.
State: FL
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:
Cant get my report froze my account without consent Csnt get a rep cant reset password gone on for days rep was rude didnt lusten

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 2023-07-13
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I spoke with several different representatives regarding a gap refund from Santander Consumer Usa in XXXX of 2023. It has been a month now and I am still waiting on my refund. Every single time i call this company representative are telling me misinformation. Somehow my refund is a lot less than what they stated my refund would be initially. No one has ever called me back regarding the verdict of my gap refund. When i reached out on XX/XX/2023 the representative from Santander Consumer Usa told me to just keep waiting. I am extremely frustrated with this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 -Account Name : XXXX XXXX : XXXX, -Account Name : XXXX XXXX XXXX XXXX -Account Name : XXXX, XXXX XXXX, -Account Name : XXXX XXXX XXXX XXXXXXXX 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 : Also states a consumer reporting agency can not furnish my account without my written permission. 15 U.S.C 1681c. ( A ) ( 5 ) Section : States no consumer reporting agency may make any consumer report contains 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. 5 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 2023-02-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. 
My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello : I am a US Bank customer and use online bill payments and recurring bill payments for most of my expenses. I have a mortgage with XXXX XXXX for which I have an established recurring bill payment set up with US Bank.In XX/XX/XXXX I received a notice from XXXX XXXX that my monthly payment would be changing beginning in XX/XX/XXXX. I went online to my US Bank Bill Pay to adjust the payment amount from {$3400.00} to {$3500.00}. I also transferred funds from a savings account to my personal checking account to cover anticipated expenses including the monthly XXXX XXXX payment. Believing all was fixed for future payments I paid no attention to the bill pay service until I received a notice from XXXX XXXX that my XX/XX/XXXX payment had not been received. I immediately went online and issued a onetime payment to XXXX XXXX including late fees, verified funds were not the issue and contacted US Bank to complain about the cancelling of my payment vs the editing of the amount for future payments. US Bank has repeatedly promised to look into the matter and let me know in three business days the outcome, yet far more than three days will pass with no follow up. Today on an extended call and being passed around to multiple customer service reps and managers, I was told that bank logs indicate I cancelled the payment and that no documentation of same would be provided to me, nor would a letter explaining what actions I and US bank had undertaken to address the issue would be issued. My credit has been damaged by the failed payment, I am in need of documents to show a mortgage broker that I protest the resulting fees and ding on my credit, but I get nowhere with US Bank. I am going back to a branch today as directed by online banking to ask for a letter of explanation which I have little hope of getting.

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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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: 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:
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. 

XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: MO
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. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX and I have never had a XXXX XXXX account and would like it deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX of this year I received notice from chase bank that they were closing down all my bank accounts and credit cards. I reached out multiple times to them, both in person and over the phone and nobody was able to give me a reason for the shutdown.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have XXXX credit cards through Synchrony bank. On each of them I have had the limit significantly decreased as I paid down the amount owed. One I never carried a balance on. After doing some searching I see this is common practice for MANY of their customers. From what I am reading this not only affects their and mine credit score but will also increase the percentage rate that can be charged because of the lower credit score. They also state that I have no verifiable mortgage. Well that is because I own my home outright. They can not base credit worthiness off of a home loan being public record or not. This is basically a credit company driving down customers scores so they can charge a higher interest rate on the lower balances. This needs to be investigated and stopped. It is basically a shake down.

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 2022-07-12
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Was behind on mortgage before given a forbearance when I came out was required to pay the entire amount. I had funds to bring account current less the amount that added up during the forbearance but wasnt allowed to make payments. They wanted all or nothing. Tried for a modification but the results would have increase my payments They dont modifly with the results being higher payments. House is in foreclosure. 
They insist all or nothing.Other who came out of forclosure are being given repayment plans and remods.

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 2021-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I was told by a Bank of America representative over the phone that as long as I made my payment by XX/XX/2020 ( COVID RELATED ) it would NOT negatively impact my credit. I was relying on BOA 's reps and warranties to be true and accurate. I later found out that the info that I was given was not accurate which then caused my credit to be negatively impacted because of this. The damage was already done by the time I was eventually told that this was not accurate. As a consumer I was/am relying on BOA 'S reps and warranties to be accurate and fully disclose any and all information at the time of speaking them. Especially during a PANDEMIC!!!!!!

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