BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
A Credit Card and line of credit has been opened in my name thorough Chase Bank, a XXXX XXXX card. Upon spending countless hours trying to close it and determine why it was opened, how, and when. I am not being able to cancel or even get a person that can speak to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: EdFinancial Services
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Experian Information Solutions 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:
I am a victim 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 explanation
Consumer complaint received 2022-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
FDIC has already referred this to you under reference # XXXX To whom it may concern ; Ive been trying to get help from Bank of America and was told they would escalate my case but have been giving me the run around. Because of this, my account is negative and I am past-due with my rent and other bills. I have no money to pay them! My family will literally be homeless and my car repossessed very soon! 

Last month I received a text from Bank Of America stating there was fraudulent activities on my account. I clicked on the text and then my phone rang. The person introduced herself as someone from Bank of America fraud department. The caller ID on my phone said Bank Of America. She said to protect my account would need to verify recent activities with me. She then sent a secure link for me to log into also mentioned that a security code would be texted to me ( which it was ). Then asked for the code to verify my identity. Then she reviewed some recent charges with me. She then said everything should be ok now, thank you for being a Bank of America customer. This was during the time I was back-and-forth to the hospital as my mother was there. It wasnt until my brother sent me money he owed - that I logged into my B/A online account to confirm receipt is when I noticed many XXXX transactions to names I did not recognize - totaling {$16000.00}!! Can you please help me? 

Bank of America claim number is : XXXX Fraud Department phone : XXXX Last agents I spoke with : XXXX - ID # XXXX - XX/XX/22 XXXX ( in Delaware ) ID # XXXX - XX/XX/22 XXXX ( in Texas ) ID # XXXX **said a XXXX would call back in XXXX hours but never happened ** Me and my family are running out of time as weve already been served with a Notice To Quit Please help ASAP. 

Thank you, 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 monetary relief
Consumer complaint received 2017-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 have a car loan with XXXX XXXX XXXX XXXX and Transunion Credit Bureau through XXXX XXXX /XXXX XXXX XXXX is reporting inaccurate dollar amount owed which is effecting my credit score ... They are reporting I owe {$21000.00} which is incorrect..I owe {$17000.00} as of XX/XX/17..Please update or correct this information it is a serious issue that needs to be addressed..thank you

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 2023-09-20
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the Fair Credit Reporting Act ( 15 USC 1681 ), it is essential to ensure that consumer reporting agencies act with fairness, impartiality, and respect for consumers ' privacy. XXXX and XXXX are such agencies, and as a consumer, you have the right to safeguard your private information, as reinforced by 15 USC 6801, which emphasizes the Congress 's policy for financial institutions to protect customer privacy and data security. 

Moreover, any financial institution, including " Furnisher of information to credit agencies, '' falls under this definition. According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish your consumer report if you provide written instructions to do so. XXXX, XXXX, and the financial institution ( Furnisher of information to credit agencies ) do not possess your consent or written authorization to share this information. 

In addition, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without informing consumers of their right to prevent such disclosure. However, ( Furnisher of information to credit agencies ) did not inform you of this right.

Furthermore, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in your report without authorization, except for certain criminal convictions older than seven years. The account they are reporting without your permission violates this law.

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) states that no one should provide inaccurate information to consumer reporting agencies knowingly or with reasonable cause to believe it's inaccurate. XXXX and XXXX might be in violation here.

Lastly, 15 U.S. Code 1681e mandates that consumer reporting agencies must maintain procedures to avoid violations of section 1681c and limit the distribution of consumer reports to authorized purposes, as specified in section 1681b. XXXX and XXXX 's procedures may not be in compliance. 

Finally, 12 CFR 1016.7 states that consumers have the right to opt out of reporting services at any time. Therefore, you are choosing to opt out of their reporting services.

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 2020-03-19
Company: Experian Information Solutions Inc.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX  XXXX {$260.00}

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 2023-10-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
Company: Block, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Just for the record we have been merchants with square for over 6 years we have never had a charge back we have never had an issue and we've been running transactions successfully for over 6 years with you guys. 

I recognized up front that the transaction I was about to run for purchase of equity within my company through square was a large amount so I called in for help. 

When I called in I asked how to run an ACH transaction properly to make sure that we would not take any risk of flagging the account or us having any issues with our merchant processing for compliance and underwriting purposes with Square. 

I called and spoke to One of your reps in XXXX to make sure that everything was done properly and there would be no problems. She eagerly walked me through and told me that no transaction should be over XXXX anything over XXXX  would be held. 

Just to be sure she would walk me through the process over the phone to make sure everything was submitted properly. The total of equity that was purchased cost XXXXXXXX XXXX 

So that was 8 separate ACH transactions to be withdrawn from XXXX XXXX going to XXXX XXXX XXXX. The representative then ended the call over the next few days the transaction started to withdraw daily and they never stopped until it depleted all of XXXX 's account. 

The entire time frame all the money was being held at Square, after a week or so of not getting access to the funds she went in to dispute the transactions to get the money back, so she could find another measure to be able to make payment for her company. 

From there it's been nothing but a nightmare we've tried to reach out to different managers we've tried to reach out in many different ways all unsuccessfully every time no manager ever returned any calls. 

Sadly we will call back within 24 to 48 business hours never came. Anytime after if we did finally reach someone the representative would just hang up the call. 

I just found this strange because we've never had an issue with square and we've been loyal consistent merchants never had any fraudulent issues nothing so for you to deactivate the account and for you to hold the money as if theres a reason is especially this long is beyond us. Especially knowing that you did not give it back to us nor to the customer is just very unprofessional and quite greedy. This whole time youre drawing interest on my money and this is preventing us from paying our employees and worst of all its during XXXX. 

Now I can not make payroll to pay my employees and no one at your company will return my call and continues to hang up anytime anyone of us calls about this issue. 

The fact that Square held funds so long has caused a tremendous loss for our business and has forced us out of commission we've had to shut down operations completely now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions 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 submitted a letter to the XXXX Credit Bureaus on XX/XX/2022 to update the suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3.00} XXXX XXXX XXXX XXXX : {$40000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$49000.00}

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 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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  Delaware is on my accounts and was closed per report records in XXXX and XX/XX/2022 during dispute on their behalf. It was showing charged off multiple times but still an open account previously. This account needs removed for the inaccuracies and multiple incorrect errors from agencies. This has kept me from moving forward with my business plans and the ability to obtain the funding I need for supplies and proper equipment including transportation and home improvement. Due to this company and its lawyer, XXXX XXXX XXXX XXXX placing a judgement lien on my home I now have had to work so hard to apply for loans with rates that are ridiculously high and will not cover what I need to get started. I am attaching documents for exhibits. I also what to address that I am at a time in my life where my situation has changed over the past several years and attempting to make a better life. However, it is this account that is absolutely in error and requesting to be removed deleted due to the violations of my rights example of identity issues other names, phone numbers, social security number and the accounting is showing only some information with past due amount of 120 days within 30 days when a payment was made on a closed account with a credit limit but its charged off. Can someone explain this? In Honor and Grace, 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 2023-10-16
Company: EQUIFAX, INC.
State: NC
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am respectfully taking this measure due to XXXX XXXX XXXX XXXX not taking a closer look into my dispute filed with them on multiple avenues via : ( them the creditor, XXXX XXXX XXXX, and all 3 credit bureaus ). I was wrongfully accused of a charge off and late payments on my account and they have negatively impacted my reputation and ability to pursue a deserved job opportunity. 

XXXX / XXXX XXXX : Partial loan payments made, not ignored.

Covid-19 delayed work license upgrade classes pushing my back to work date by over 6 months. Spoke to XXXX XXXX XXXX XXXX and they understood my situation and told me directly on the phone and in letter attached they could work with me on payments. Was told on phone a good will deletion of late payments can occur because my circumstances were Covid-19 related. Was told on phone no charge off or missed payment stains would impact my credit report, because this was Covid-19 related and I was making as much payment as I could ( {$500.00} payment, {$50.00}, {$300.00} even {$2000.00} to catch up the dates are truthful examples attached in files ). 

XX/XX/XXXX Maturity Date Email sent to XXXX stating student loan account ending in XXXX is maturing soon and is to be paid off by XX/XX/XXXX. No mention of charge off or late payment consequences. 

My budget was now set to pay loan off early by XX/XX/XXXX. 

On XX/XX/XXXX I showed up to local XXXX XXXX XXXX XXXX branch near XXXX, TX and paid the loan off a whole week early in full in cash of {$5000.00} Credit reports are now reflecting charge off and late payments on this particular account. The account was undeniably paid in full on time ( early ) and never charged off for the creditors IRS tax write off and into another collection agency. 

Under my signed and disclosing loan agreement I have the legal right to exercise and mitigate any negative times in relation to the loan which does include inaccurate defaulting/ charging off of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: JPMORGAN CHASE & CO.
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:
I have fraudulent inquiries on my credit report. 
Below I have provided the unauthorized inquires that appeared on my report. 

-Consumers co XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXJPMCB card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
To Whom It May Concern : In XXXX of 2020, I applied for a loan for my business with XXXX. XXXX qualified me for {$10000.00} which was deposited into the checking account I had with Citibank. Citibank treated me like a XXXX and closed my account and held my funds in both my checking and savings accounts for more than 60 days. They even stopped my automatic withdrawals for my bills. They then stopped all communication with me. Every single person at this bank would hang up on me when I would call in regards to my account. No one would answer any questions or anything they would just hang up the line once they would verify my info. I never received the funds for the {$10000.00}. I went into the branch and was given a corporate phone number and was told to never come back after the phone number was given to me. I called the number and was told that the money was returned back to XXXX. I reached out to XXXX and was informed the money was never returned to them. I spoke with someone in the recovery dept and was told that XXXX was supposed to return the money to the treasury and none of that has happened. Citibank still has those funds. Well, now it is time for me to pay the taxes on that loan. I need the money to operate my business and recover what was lost. If Citibank doesn't want to return me the funds they need to at least return the money to the treasury so that it can be returned to XXXX. Why should I be responsible for paying taxes on something have never even received? It's been almost 2yrs. I am ready to hire an attorney if this can't be resolved. I have had my business banking account with another banking branch for going on 2yrs 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 explanation
Consumer complaint received 2023-01-06
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2022 - I was in the XXXX store and the girl at the check out line started asking me personal information while I was trying to purchase my items. I don't remember them asking me if I wanted to apply for a card. I told her numerous times that I was uncomfortable with her asking me for my address and my social. I asked her why she was asking me for the information and I didn't think what she was doing right. She made me feel like she couldn't complete the transaction without the information, so I gave it, but I repeatedly kept telling her I didn't like it or think it was right. A few days later I received a denial letter in the mail and it scared me so badly, because I have had fraud before. I am now very uncomfortable using this 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 2023-10-04
Company: Experian Information Solutions Inc.
State: MI
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 Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, 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 response to consumer: Closed with explanation