BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-21
Company: JPMORGAN CHASE & CO.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
Chase Bank : Lack of due diligence in verifying my identify before dispersing a fraudulent cash advance On XX/XX/2021 My gym locker was broken into on Monday XX/XX/2021 and my wallet was stolen from the XXXX  XXXX at XXXX XXXX XXXX in XXXX. I filed police report for the theft of the wallet with the XXXX police department ( Report # XXXXXXX ). My credit cards were then used fraudulently at the Chase bank at XXXX XXXX XXXX in XXXX to withdraw a {$2000.00} cash advance. I immediately contacted XXXX  XXXX XXXX notified you of the fraudulent transaction and requested a replacement card. 
On XX/XX/2021 I drove to the Chase bank ( XXXX XXXX XXXX ) and spoke in person to the bank manageXXXX ( XXXXX ( XXXX XXXX XXXX ) ) and she in turn spoke to the bank teller who performed the fraudulent transaction. She stated that the individual came into the bank and made an in person " cash Advance '' at the bank tellers counter. Although the individual did not have a PIN number for the XXXX XXXX XXXX Credit Card, the bank teller gave them the money using my stolen driver license and Chase ATM card as identification. The individual was wearing a face mask, hat and sun glasses. 
The Chase Bank Teller did not ask the individual to remove his mask to confirm his identity due to Covid. 
The Chase Bank Teller did not validate the signature provided with the one they have on file. 
The individual also attempted to change PIN numbers on my Chase accounts, which was not allowed and this flagged an alert to the teller who then sent an alert communication to other Chase branch concerning my account. I asked for a copy of this alert notification and Chase stated to was a privileged internal communication and they would not share it with me. 
In addition, the thief also attempted a {$2000.00} withdrawal from my XXXX XXXX account which was denied. I have the email notification from XXXX XXXX concerning that blocked transaction : I have also filed a police report with the XXXX police department XXXX where the credit fraud occurred ( see attached ). 
I tried working with the Chase Bank XXXX on several occasions ( XX/XX/2021 and XX/XX/2021 ) and indicated that the Bank XXXX did not perform their fiduciary responsibility by performing due diligence in verifying the identity of the person withdrawing a cash advance from my stolen credit card. They stated it was simple human error and they cant ask people to take off their masks due to Covid. They said there was nothing they could do.

I feel that Chase bank bears the responsibility for this fraudulent activity by not adequately verifying my identity before issuing the funds from my stolen XXXX XXXXXXXX XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: MI
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:
In XXXX of 2020, my Chapter XXXX bankruptcy was XXXX. My mortgage was a continuing claim meaning I stayed in the house and continued to pay mortgage payments throughout and after the bankruptcy. 

Experian and XXXX are not reporting my mortgage information even though the mortgage company reports to all three bureaus each month. XXXX is the only bureau reporting. 

My bankruptcy attorney and I have tried to get this rectified. My attorney talked with the mortgage company 's attorney and it was determined that XXXX XXXX is reporting the mortgage but the XXXX named bureaus are refusing to enter the information on my credit report. 

I was asked for a copy of my mortgage statement in XXXX, which I supplied but nothing has been corrected on my report. 

On my last conversation the representative at Experian said he was completing the paperwork that should resolve the issue within 5 days but that has not happened. 

When calculating credit scores, account mix is a relevant factor. The score from the bureau that is reporting my mortgage is XXXX points higher than Experian and XXXX scores ! 

Their refusal to report my mortgage is costing me money in higher interest rates. I want to refinance my car loan, but I want the information contained in my credit report to be complete and accurate before I apply.

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 2021-01-12
Company: Premium Credit Bureau
State: NC
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 are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, PREMIUM CREDIT BUREA add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. On XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX  add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX  add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY INFORMATION TO GET AN APARTMENT IN MY NAME. THE FOLLOPWING ACCOUNT WAS FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2016 XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-02-01
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: Their investigation did not fix an error on your report

Complaint:
I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the three major credit bureaus I have sent all documents from my local city bankruptcy court anXXXX XXXX  XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Capital One was deliberately allowing a third party to overdraft my account so that they could charge me overdraft fees themselves, and not to mention the numerous times I called Capital One informing them to process and honor my rent payments before anything else processed of which they would do the complete opposite. This financial institution did not have my best interest at all, due to it was a no win a loss the more I called, the more rude the customer service got. Now I can not open a bank account due to this is in check system and I did not know who to reach out to for assistance until now with banking institutions. Can this be removed so that I am able to open another bank account that does not have to be a XXXX XXXX  bank. This was some illegal targeting. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: DISCOVER BANK
State: UT
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:
Im a 100 % XXXX veteran. I opened a discover account from a mailing advertisement. 
Not long after having the account I found transactions from a prepaid cell phone company, no one at discover card could help me so I canceled my card and had them issue me a new one and started disputes on the fraudulent charges. Even after changing cards Discover still allowed fraudulent charges on my account it was unstoppable I had no place to go but except paying {$65.00} a month for something I never authorized. After disputing them and having issues doing it I closed my entire discover account and Im not going to be a customer of theirs ever again. But now theyre sending me letters theyre crediting me for some of the monthly fraudulent charges but yet saying some of them theyre going to call valid because I closed my account. This is pure fraud on somebody with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Earlier in XX/XX/2020 Mr. XXXX XXXX talk to me about refinancing my Mortgage to remove like the PMI. I completed the paper work, the loan was approved and the process was smooth and the expected closing date was before the end of XXXX 2020. I paid almost {$500.00} for the appraisal, when the appraisal came I thought something was wrong and I want to dispute the results. This was the las time I heard from Mr. XXXX XXXX. I send several messages and call him to getthe status of this refinance loan but he never answer back to me. The company never send me any communication of the loan status. The companys name is XXXX XXXX  XXXX. I believe as a consumer I deserve some respect and that respect is through answer to me what happened. I invest almost {$500.00} dollars and it was a waist of money and with the situation with COVID that money is a lot to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.

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 2021-12-20
Company: Experian Information Solutions 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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/21 I was notified by Bank of America of identity theft, that someone used my name to open a bank account which they caught and closed. Currently I only have a Credit Card with BOA and they locked the account for severity. Since then I have spent countless hours everyday, M-F through today XX/XX/21, to regain access to my credit card account. I have a balance due and now a late payment and they will not give me access to view the changes and pay the bill. I have spoken to the fraud department, customer service and have going into two branches and not one person is all to resolve this issue. Meanwhile BOA is negatively impacting my credit due to their negligence.

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 2022-04-14
Company: EQUIFAX, 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 XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : 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
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 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 2023-03-04
Company: Kimball, Tirey & St. John LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXXKimball Tirey & ST John Has been attempting in a aggressive manner to retrieve an open balance of {$14000.00} ( currently ) from me since XXXX. XXXX XXXX XXXX XXXXKimball Tirey & ST John has committed an unlawful act towards me by charging me wrongfully they have not responded with a solution to my safety hazard issues in the time of the events that was going in with my apartment i've rented from them back in XXXX i've attempted to express myself via phone call to Kimball Tirey & ST John about the unlawful acts put against me they were truly rude and unprofessional in the attempt of figuring out a solution i believe their methods of retrieving has been unethical. im looking forward to come to an agreement of removing all inaccuracies that's been placed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: U.S. BANCORP
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2020 US BANK WAS NOTIFIED BY CERTIFIED MAIL FOR A DEBT VALIDATION AND CEASE AND DESIST ALL COMMUNICATION. US BANK CONTINUED WITH HARASSMENT PHONE CALLS ON XX/XX/2020 AND XX/XX/2020. AS WELL AS A THREATENING LETTER USING OBSCENE AND PROFANE LANGUAGE DATED XXXX XXXX. IN ADDITION TO EXHIBITS ATTACHED EXHIBITS WILL SHOW A TOTAL NUMBER OF 14 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS BY US BANK UNDER 15 USC 1692. THE FACTS SUPPORTED BY NOTARIZED AFFIDAVIT OF TRUTH. 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A US BANK is in violation of 15 USC 1692f. ( 8 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B, Exhibit C, Exhibit D that US BANK is in violation of 15 USC 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B, Exhibit C, Exhibit D, Exhibit E that US BANK is in violation of 15 USC 1692e ( 1 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit E that US BANK is in violation of 15 USC 1692d ( 1 ) and 15 USC 1692d ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit F and Exhibit G that US BANK is in violation of 15 USC 1692d ( 5 ) and has proof that US BANK was made aware to cease and desist communication by certified mail on XX/XX/2020 Exhibit I. 

Fact, affiant is aware and has proof in the attachment Exhibit H that US BANK is in violation of 15 USC 1605 ( 5 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
Company: AMERICAN EXPRESS COMPANY
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: Card was charged for something you did not purchase with the card

Complaint:
1/ On XX/XX/XXXX, a purchase of {$4000.00} was made on my Amex XXXX XXXX for a month-long stay at a long-term rental in XXXX XXXX. 

2/ At the time, I was in XXXX XXXX and I did not make this charge. I also did not have access to the card as I had requested a new, different card that had updated styling ( rose gold as opposed to gold card ). The charge was made without my knowledge and I did not have possession of the card at the time the charge took place according to records. 

3/ I was unaware that I was not liable for fraudulent charges, so I reached out to the merchant asking for a refund. They explained to me that the charge was made for a non-refundable room. They would not make any exceptions given that I did not make the charge, and encouraged me to reach out to my credit card company. 

4/ Given how shocked I was at this charge ( which is 3x my monthly income ), I tried to dispute the charge as opposed to requesting a fraud investigation. I was unaware that these were wholly separate processes. Given that it was a dispute, and that it was an " unrefundable account, '' I claimed that I had gotten a XXXX XXXXXXXX and due to force majure, I would not be able to attend the booking, seeking some type of protection. 

5/ It was not until I called one of the American-based representatives explaining the situation that they explained that this was not a dispute case, but a fraudulent case, but that because I had disputed it initially, it would be difficult for me to process my case in my favor. 

6/ The merchant 's supporting documents show my correspondence with them, but they also include an invoice. This invoice only has my correct first and last name, but does not include my correct email address, mailing address, IP address, or phone number. This should be adequate evidence to put the case in my favor as a fraudulent charge. The address and IP listed a residence and country code of XXXX. 

American Express is choosing to side with the merchant. It has been roughly 9 months since the original charge, and I am seeking government help to recitify this issue.

Company response to consumer: Closed with explanation