BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-05
Company: Continental Finance Company, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Sent a certified debt validation letter to the the XX/XX/2018 requesting the company to validate the debt. The company in response sends a letter stating they could not " VERIFY '' the account instead. Which shows they disregarded that I asked for " validation of the account ". The account was discharged through my bankruptcy and the account is still reflecting as if I currently owe a debt of {$850.00}

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-11-08
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: Account information incorrect

Complaint:
XXXX, XXXX and Experian are failing to update my information correctly, In XXXX I filed for XXXX  XXXX and they re-aged the discharge and reaffirmation on some of the cards that should have dropped off since the discharge was 7 years ago. 

Because of their errors Bank XXXX XXXX closed both of my accounts that I had since XXXX and XXXX respectatively - XXXX  ending XXXX and XXXX. 

First because of the XXXX Bank XXXX XXXX reduced my credit limit from XXXX to XXXX and XXXX on the card ( s ) which bumped up my utilization from 10 % to 90 %, Because of the error then Bank XXXX XXXX closed 2 cards which have been paid on time for years and still have open balances. 

These CRAs should be monitored or eradicated from having the ability of providing consumer information that is incorrect to the Financial Institutions. Thanks to their inaction my credit dropped from GOOD XXXX to POOR XXXX after it took me almost 7 years to build up my credit. 

The bureaus also have failed to drop off old inquiries that have expired making it seem I have more inquiries than I have.

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 2022-03-24
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX - I noticed a check cashed XX/XX/XXXX to my checking account that was not familiar. Upon inspection it was a check that was written over 2 years prior and cashed. It was never destroyed and was subsequently cashed again but modified. The forgery was to a different person, altered amount, check number and payee. I immediately called Chase to discuss and they said I needed to go to the branch. 

XX/XX/XXXX - I go to the branch and they say I need to talk to fraud department by phone. I tell them I just did that and was told to come to the branch. They apologize and say, no, I need to talk to fraud. I call fraud and they freeze my account and say they'll send forms to fill out. 

I receive the forms approximately 2 weeks later in the mail. I fill them out and attempt to fax them to the appropriate number. I had complete forms, copies of the original check and the fraudulent copy. It was plain to see what happened. 

XX/XX/XXXX : After not hearing anything, I call Chase for an update. They had not received the fax. I mail a hard copy of the forms to the address. 

Multiple calls to follow up with no answers. My account is still frozen and I can't access my own funds! 

Late XXXX : Chase ackowledges receipt of the fraud forms. 

XXXX : I go into the branch to have them move money. They can't because the account is frozen. I give the manager one more chance to figure it out and get my moeny into an account I have access to. A week later, he hasn't made any progress. 

XX/XX/XXXX : I went back to the bank and closed all of my accounts, with the exception of the one that is frozen. They figured out how to move the money out of the account, but we left that one open since the fraud case was still open. 

XX/XX/XXXX : Fraud department refunds the lost funds ( {$800.00} ). I try to move the money, but the account is still frozen. 

XX/XX/XXXX : Chase sends an automatic bill payment from the frozen account to a service provider. That check gets cashed, from the supposedly frozen account. 

XX/XX/XXXX : Account is still frozen and the charge me a low balance fee against the account. 

XX/XX/XXXX : Chase will not refund the fee, and the account is still frozen. We are currently on hold with the fraud department ( over 30 minutes ) hoping they can release the hold on the account and give me our money once and for all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Today I was able to speak with an agent at bofa claims department stating that I am entitled to XXXX out of the XXXX claim I want my money from this bank and honestly shes right you guys took my funds without my knowledge and sent me through all of this yall are claiming to have paid the claim but you guys didnt it went towards a negative balance you guys caused me to have I want my XXXX she noted about On my account that I was approved for yall paid the negative balance yall caused this not me she said its on Paper regardless and says permanent so I should have it not the negative balance my account and I want my XXXX that has a missing credit under it released to me as well expeditiously please I need my money this is not right at all and even your agent said that regardless of the negative balance the bank only should have takin XXXX or XXXX not the whole XXXX I want my money out of this bank now!!!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On XX/XX/2020, I purchased online from XXXX XXXX a new pair of shoes with the amount of {$65.00} and paid by Capital One credit card. Until now, I still have not received the merchandise, which I purchased. 

On or about XX/XX/2020, I called and wrote a dispute letter to Capital One Credit Card about the merchandise which I still have not received. 

On or about XX/XX/2020 I called Capital One again to dispute about my purchase. 
Until now, Capital One Credit Card refused to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was the victim of a scam and coerced into wiring {$210000.00} from my Chase bank account on XX/XX/XXXX. I realized I was scammed and reported the fraud to both Chase bank and the beneficiary bank, XXXX XXXX XXXX XXXX never released the money to the scammer after I reported the fraudulent activities. XXXX XXXX said they would return the funds to my Chase account once a " Hold Harmless Letter '' was received from Chase Bank. I contacted Chase bank more than six times both via written secure messages on the Chase online account, verbally via phone and in person at branches. The Chase Customer Service reps claimed the Hold Harmless was sent to XXXX multiple times. On XX/XX/XXXX Chase notified me they had closed the case and didn't mention anything about my previous communications with them, nor the Hold Harmless letter they promised to provide. 

My {$210000.00} is still held in XXXX XXXX and waiting for the Hold Harmless Letter from Chase bank to return to my account at Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
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: Account information incorrect

Complaint:
The XXXX is reporting that I was 90 days late in XX/XX/2019 and 120 days late in XX/XX/. This matter is incorrect. In XXXX XXXX XXXX I recently completed my income-driven payment plan. The information reported should not be on my credit report. This was also during a time of medical hardship, I was diagnosed with XXXX XXXX  and had to have XXXX XXXXXXXX. I qualified for the Income-Driven payment plan, and I was told that my account would be backdated and updated to current. That also included my payment history to the credit bureau. As you can see in the attached document, the reporting makes no sense. It goes from current to 90 days late, etc. I request that this payment history be updated to reflect a current payment history. 

I tried to contact the creditor with no success. My loan has been sold to another loan servicer and my request was disregarded. I tried to explain to the new loan servicer that this reporting of my payment history was incorrect and asked for it to be updated to reflect that it was current. They stated that they were unable to update this payment history because the debt belonged to XXXX at the time of reporting.

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 2023-10-11
Company: EQUIFAX, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 



Credit bureau 's is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed. according to 15 USC 1681 : I have the to privacy and did not give EQUIFAX, XXXX, XXXX written permission to furnish these accounts listed below 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. The following account is not mine XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

12. The following account is not mine XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

13. The following account is not mine XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, 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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX Balance Owed : {$13000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$0.00} ; ( Original Creditor : XXXX  ) XXXX BalanceOwed : {$0.00} ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I paid my payment of {$160.00} dollars and someone stole my checking account so payment didn't go threw so the next day I paid XXXX now they are saying because my credit they closed my account and that's cruel and unusual punishment then they lie and say because of my credit they closed account which this isn't a plausible reason I have been with citibank for for over 7 years same credit account always paid on time they are deliberately trying to destroy my credit

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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Companies did not follow Laws Procedures when it comes to reporting on my credit report history. The Law 15 U.S. Code 1681b- Permissible purposes of consumer reports I have not given permission to the beaurus to show on my credit report some accounts neither they have a court order.

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 2023-07-21
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim if identity theft I went to file a report with the FBI in XXXX Louisiana in XXXX. I gave them a potential suspect nothing was ever done about it. there accounts on my credit report that I did not authorize nor do they belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Experian Information Solutions Inc.
State: CO
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 ; Experian and XXXX  are reporting incorrectly a current balance due of {$23000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original amount reporting is {$570.00}. ( Please see page attached from my previous credit report. ) Clearly there has been a typographical error in reporting. This account could not have gone from reporting an amount of {$570.00} to {$23000.00}. This incorrect reporting is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-09-20
Company: EMCC Holdings, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, 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:
Companies did not follow Laws Procedures when it comes to reporting on my credit report history. The Law 15 U.S. Code 1681b- Permissible purposes of consumer reports I have not given permission to the beaurus to show on my credit report some accounts neither they have a court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I fell Victim to what I have now discovered to be know as Browser Scareware from a tech support scammer XXXX XXXX XXXX XXXX. I was advised by a pop up message from XXXXXXXX XXXX XXXX XXXX  that my bank account was compromised and to call XXXXXXXX XXXX XXXX  to discuss how to protect my account I did call the number and was told that my account was at risk and that I should wire transfer the funds to a U.S. Federal Reserve System Wallet Account to be opened in my name until the Bank 's Fraud Dept. could run a trace and discover who they say was embezzling from my savings acct. 
I complied and Wire Transferred the amount they gave me ( {$100000.00} ) to XXXX XXXX XXXX XXXX XXXX XXXX. That bank then deposited the funds into an account the scammers set up, using my XXXX Driver 's License as ID and an email address they set up at XXXX The account # 's and ID was changed by the scammers moments after the funds hit the account at Coinbase , Inc . 
I reported this to my local police dept., their detective division, the FBI, FDIC, Federal Trade Commission, XXXX XXXX, IRS, DMV, Social Security, Senators XXXX XXXX XXXX and Congressman XXXX. To Date nothing has been done to help me recover and prevent this from happening again. The FDIC has investigated thoroughly and suggested I contact you. I have all of the documents, phone # 's used by the scammers to provide you in your efforts. I am hoping that Coinbase , Inc. will do the right thing and talk to you and hopefully me to resolve this situation. Thank you

Company response to consumer: Closed with explanation