BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello my name is XXXX XXXX. On XXXX XXXX I received a text message from the chase fraud team stating there was a {$490.00} transaction at a XXXX XXXX XXXX in XXXX Florida. I live in Michigan so I was nowhere near XXXX. I immediately responded to the text message by answering NO. I than received a reply saying I will be contacted soon. I received a called from XXXX. The person on the other end states they were a supervisor at the chase fraud department. They said that there were multiple transactions another one for {$9900.00} and 2 wire transfers for {$50000.00}. The person on the other end stated his name was XXXX XXXX. He told me and explained to me that he wanted to REVERSE the transactions and took me step by step on how to do it. He than asked me to provide him with the one time code twice because it was sent to me. The phone call lasted for over a hour while he was trying to REVERSE the money. He than said he will call me on XXXX XXXX. Which was a Saturday we talked for a few mins and I was advised that XXXX get a call back. On Monday XXXX XXXX. I received a call again but while I was on the phone I noticed money coming out of my account since I sign in daily on my mobile app. Than I received a call from THE CHASE FRAUD DEPARTMENT saying to hang up and that there is unusual stuff happening in my account. I immediately hung up on the other person. I than went into a chase branch closed my personal account my personal savings and personal business. I filed a affidavit and a police report in the next two days. I waited for about a week just to get a message from chase saying that I was at fault for providing the CALLER the ONE TIME CODES I explained to them that I was clearly scammed. It showed exactly to whom the money was wired and into which banks and the chase fraud department still blamed me. In other words the easiest thing is to always blame the client since they cant CATCH the criminals doing this. I am confused lost at words. Not sure what to do. A {$100000.00} gone in minutes. I explained to them since they blamed me how come they didnt NOTICE anything unusual on time. They couldnt answer me. I dont explained to them that I just want my money back. My hard working money that Ive been saving all my life. In other words theyre blaming me while rewarding the criminal. Its funny because if I was to go into a branch to ask for {$5000.00} of my money .They would ask me a ton of questions but they wont even notice a wire fraud and reward a criminal within minutes with everything Ive ever saved. Please help me someway somehow if possible. I am really at a point where I dont know what to do anymore. I did everything that was asked of me and Im still being blamed for everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: TX
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:
The final account statement in the amount of {$4600.00} should be waived as my lease agreement with XXXX was terminated due to XXXX XXXX arising out of an automobile incident which occurred on XX/XX/2023. As such, I submitted a notice to vacate on XX/XX/2023. Under the Texas Fair Housing Act, a refusal to make reasonable accommodations in rules, policies, practices, or services, when such accommodations may be necessary to afford such person equal opportunity to use and enjoy a dwelling, is considered discrimination. Both the Fair Housing Act and the Texas Fair Housing Act broadly prohibit discrimination in rental dwellings.

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
So check this out, I went to get a job and was denied things on my credit report that don't belong to me there's a car loan XXXX cards that don't belong to me at all they are a result to 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 2023-10-08
Company: GVA Holdings, LLC
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2023, a letter was sent to GreatPlains Finance , LLC dba CashAdvance Now was instructed to revoke all future ACH payments and to terminate loan as it violates the The PLPA of Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

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 2021-01-10
Company: The CBE Group, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX  submitted a delinquent account on my credit score which dropped my score 101 points. I contacted them to see why they did this to find out they thought i didn't turn in equipment. I let them know i did an the location i turned it into. They submitted a request to find. Said equipment they later found me not guilty of delinquent payments. On equipment an removed the charge on the account with them putting the amount at owed {$0.00} dollars paid. The issue is they didnt remove. The collection of my credit score. That they wrongfully submitted instead the submitted it on my credit score as paid down to {$0.00} dollars due to national disaster. I never had a national disaster. An i never owed them anything. So they need to remove the collection off my credit history. As a mistake on there part. Completely as wrongfully submitted. So i can get my 101 points put back on my credit score. Cause as long as its showing i had something in collections. It will negatively affect my score. XXXX XXXX XXXX is listed as : CBE group on my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: I.C. System, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, FDCPA 807 ( 8 ) if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!

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 2023-10-03
Company: EQUIFAX, INC.
State: MS
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 am a victim of identity theft. I filed the correct paperwork with the FTC and the police and submitted them with my disputes. They have not done the disputes correctly and not attached the paperwork to the disputes. I have not gotten copies of the verification process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: ALLY FINANCIAL INC.
State: FL
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:
my identity was used under false pretense

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 2022-10-12
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
on XX/XX/2021 I got a notification about my new credit score being decreased quite significantly. I have since attempted to dispute this account that has never belonged to me. When I looked into this a bit deeper I saw the the address attached to the account and the information used to get the credit card I realized this was Identity fraud ( by possibly one of my uncles in the XXXX ). 

I attempted to get this resolved directly many times but they requested a police report which I was not able to provide due the fact that I had no information on the uncle I suspected of doing this. I have requested original documents from EXPERIAN, XXXX, XXXX and for them to validate the debt based on the other Items I have disputed on my account. 

This is really affecting my life in a negative way as I have not been able to get a place or get a loan to get a car. I am Trying everything to get this out of my credit report and EXPERIAN, XXXX, XXXX has been making this process supper difficult. 

I have saved up enough to buy a house for me and my family, but my credit is affecting this majorly. 

I have attached the last person to review my file and has not reposed to me in the 30 days indicated by the CFPB. 

The difficult issue here is that I have tried everyday possible to get some sort of response from the credit burrows and all they do is update my account when I ask for a full validation and for them to provide the original documents. I am beyond frustrated and I am just looking for some direction. I can't wait 7 year for this to be removed when I was not the one responsible for this. 

I hope you are able to help CFPB. 

Thank you for your time reviewing my case.

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 2022-11-29
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:
I am a consumer and a natural person. Do not close this complaint saying it's not me. In accordance with the Fair Credit Reporting Act. The lost of accounts below have violated my federal protected consumer rights to privacyand confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX account XXXX Transunion account XXXX XXXX XXXX XXXX has violated my rights XXXX account XXXX Transunion account XXXX XXXX XXXX XXXXXXXX XXXX has XXXX my rights XXXX account XXXX Transunion account XXXX XXXX account XXXXXXXX XXXX XXXX has violated my rights XXXX account XXXX Transunion account XXXX XXXX account XXXX XXXXXXXX XXXX has violated my rights XXXX account XXXX Transunion account XXXX XXXX account XXXX 15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Information belongs to someone else

Complaint:
This company made duplicate accounts for me charging me for the same thing twice. I was unaware of this transaction on my account. 

PORTFOLIO RECOVERY Account was over 7 years old

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello My Name is XXXX XXXX I have been fighting with Trans Union for a long Time with incorrect information and fraudulent information on my credit Report. 
I am not getting anywhere with them every time I called it was a different answer. Even the Fraudulent Inquiries they will not remove. Please help fix this issue. 
Thank you so very much.

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 2023-06-02
Company: Experian Information Solutions Inc.
State: MI
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:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am reaching out to see if anyone can help me I have been down this dispute road since XX/XX/2020 and I am still writing letters calling trying to get some assistance regarding the accounts that are appearing on my report that do not belong to me at all. No one is helping out There are 8 accounts and I have not applied used or signed for any of these I have no idea how they are appearing on my credit and why I have to fight for this. 

XXXX  XXXX XXXX Acct # XXXXAmt {$11000.00} XXXX  XXXX XXXX Acct # XXXX {$2700.00} XXXX  XXXX XXXX  XXXX XXXX XXXX Acct # XXXX {$5800.00} XXXX  XXXX  - Acct # XXXX {$3900.00} XXXX XXXX- Acct # XXXX {$2200.00} XXXX XXXX- Acct # XXXX {$2400.00} XXXX XXXX- Acct # XXXX {$5200.00} XXXX XXXX XXXX XXXX - Acct XXXX XXXX {$13000.00}

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 explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I requested and reviewed my credit reports from all 3 credit bureaus. I found that all 3 credit bureaus are reporting my car loan balance to be incorrect. I contacted my loan company and we both verified what the correct balance should be. I disputed the inaccurate information twice and twice the credit bureaus are not updating my consumer credit reports with the correct information. 

All 3 credit bureaus are reporting that my XXXX XXXX balance is {$27000.00}. I contacted XXXX XXXX by phone and the representative and I agree that the balance on my account is {$27000.00}

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 explanation
Consumer complaint received 2021-11-30
Company: DISCOVER BANK
State: NV
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: Problem with personal statement of dispute

Complaint:
i was out of the country, due to XXXX XXXX XXXX XXXX XXXX XXXX before i could return, i tried making the payment thru the system online, since i was out the country it didn't let me access my account, i was trying to call as well with no response from the company, as soon as i landed i paid the payment back in XXXX 2021. they have placed a late payment on my credit over this. i was never aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just recently reviewed my credit profile for the first time, as I have never done so before. When I was reviewing my profile, I noticed an account listed on my credit profile which I had no idea whatsoever where it may have come from. I started panicking so I reached out the bank that was listed on my credit profile and tried to inform them of the issue and all the representative told me was to research the FTC and file an FTC report and report it to my local police department which is what I did. The account is from XXXX XXXX XXXX  and for a limit of {$300.00}. The bank closed the account and is reporting this negatively on my credit profile. I would like you to please help me and get this issue resolved and get the fraudulent account Deleted from my credit Profile completely on all 3 Credit Reporting Agencies. I also have Unauthorized Hard Inquiries from the companies listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXXt Account name XXXX acct XXXX XXXXXXXX XXXX XXXX  acct XXXX  XXXXXXXX XXXX XXXX Acct XXXX XXXX  XXXX XXXX acct XXXX XXXXXXXX, XXXX XXXX Acct # XXXXXXXX XXXX XXXX Bankruptcy 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 non-monetary relief
Consumer complaint received 2022-10-12
Company: WELLS FARGO & COMPANY
State: FL
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 noticed a large transaction that was not authorized and immediately contacted Wells Fargo Bank. They said I could file a claim and/or contact merchant. I did both. XXXX provided all of the information which can be found below. They said they are unable to make a refund that I had to call the bank. They did however prevent the order from being delivered to the person who stole my information. I let them know it was fraud and gathered the information. I waited 5 business days to call back as told by Wells Fargo and was told that my claim was denied. I included 4 other smaller transactions on this claim which were also denied. 

Date of transaction : XX/XX/XXXX Company : XXXX Amount : {$420.00} Order number : XXXX Address of where item was shipped to : XXXX XXXX  XXXX XXXX XXXX. XXXX, FL XXXX The other transactions are not my focus right now. They were XXXX and XXXX dollar transactions.

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 2019-03-20
Company: Reliant Capital Solutions, LLC
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Reliant Capital Solutions are trying to collect on a student loan that is not mine and claim that the US Dept of Education has hired them to collect it. They contend that the Dept intends to order my employer to withhold 15 % of my income to pay back a loan that is not mine. I think they are a fraud as they contend that the Dept is in XXXX Tx. I recivedtheir letter on XX/XX/XXXX. The loans are from XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-10
Company: ALLY FINANCIAL INC.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, I mailed Ally Financial a cease and desist along with other legal forms advising them pursuant to 15 USC 1692c. ( c ), I was notifying them in writing that I refuse to pay this alleged debt, and I demanded that they cease all forms of communication with me through any and all mediums. 
A return receipt and USPS tracking number indicated the mail was signed and received on XX/XX/XXXX. 
I have received numerous calls from Ally Financial, with voicemails left after the mail was received with the most recent being today, XX/XX/XXXX.

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