BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-24
Company: JPMORGAN CHASE & CO.
State: FL
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:
JPMCB ( JP Morgan Chase Bank ) card closed my account and reported to XXXX consumer report companys that I was XXXX days late and charged off my account for {$9700.00}. 
This happened in XX/XX/2021 and for a year I kept writing letters stating I was not refusing to pay but rather asking them to please validate the alleged debt. This alleged debt was never validated pursuant to 15 USC 1692. 
I have been discriminated against as a Consumer and XXXX, XXXX and XXXX have ingnored my Consumer Rights as have JPMCB by allowing this to negatively effect my chances with moving forward as a Consumer. I am at my wits end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
My XXXX debit card was lock and I'm trying to get it unlocked no customer attend to me

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 2021-11-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
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'm aware that that these two transactions is fraudulent [ XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Tn On XXXX From Card # : XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Tn On XXXX From Card # : XXXX from XX/XX/2021 ] These transactions were unauthorized by my card and someone has obtained my personal information ( identity theft, fraud, error ). I didn't authorize or give ( consent ) for any or ATM withdrawals on my account. Around the time or on this day I was incarcerated ( imprisonment ) So I am not liable. I'm requesting a charge back of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Equifax and identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Equifax sent a letter stating this block was an error. It was not. Equifax has violated my consumer rights. According to 15 U.S. Code 1681i Equifax is supposed to delete the disputed items during a full and complete investigation. Equifax violated this federal law. Equifax is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Equifax to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Equifax for willfully and knowingly violating my consumer rights if this is not rectified within XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Credit Karma, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I constantly receive offers from Credit Karma stating I am approved for loans through their vendors/lenders. However, my credit score is always too low and I am always turned down and denied. This affects my credit score. Offers shouldn't continue to be sent if they know I dont actually qualify. It is a huge waste of time, causes my score to decrease, and can also be unsecured as much as I enter my social security number along with other personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Started receiving phone calls about a month ago ( XX/XX/XXXX ) for an account that was closed in XXXX under my name. Company didnt have my real address until I gave it to someone. They sent me copies of charges I confirmed it was not me and then they sent me a letter proving the accounts validity now that they have my actual address. I just want this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 disputed the following accounts with Transunion and came back verified but accounts are still inaccurate. XXXX for historical payment data XXXX XXXX XXXX of 2020 show 120 days late. Account was charged off Shows past due balance/should be XXXXLast payment made XX/XX/2020 Date closed XX/XX/2020. XXXX account is still inaccurate historical data. XXXX XXXX XX/XX/2020 all show 120 days late. Account was charged off. Past due balance/should be XXXX. XXXX {$10000.00} is inaccurate. Historical data XXXX XXXX XX/XX/2020 show 120 days late. Account was charged off Past due balance/should be XXXX. XXXX {$10000.00} historical data inaccurate XXXX XXXX XX/XX/2020 show 120 days late. Account was charged off. Past due balance/should be XXXX. XXXX {$5400.00} collections. Account was disputed and came back verified. Account shows Past due balance/ should be 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 2022-06-03
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I've paid this loan in full. I have a letter from them confirming it's paid in full. The mortgage company shows on their website both that it's paid in full and 33 days ( as of today ) past due. They have continued to draw a biweekly payment from me and have kept the money and refused to return the overpayments, and deny they have the money. I have the bank drafts to prove it. I also have several email threads between myself and them trying to resolve it, without success. 

Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
According to 15 U.S. Code 1681 - Congressional findings & statement of purpose a ) Accuracy & fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, & a respect for the consumers right to privacy. 

I did not give written consent to add anything to my consumer report if & that is a violation of the Fair Credit Reporting Act. Furthermore anything added to my report without your written consent is considered Identity theft. I'd like to add that my name has never been XXXX XXXX XXXX, XXXX XXXX or XXXXXXXX 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 2023-02-20
Company: Radius Global Solutions LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert from XXXX XXXX, showing Radius Global Solutions has reported a debt that they alleged I owe. I never received any notice to dispute the validity of the debt,

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 2021-11-09
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Case number XXXX XX/XX/XXXX / Case XXXX ( XX/XX/XXXX ) AARGON AGENCY was contacted by me on several occasions after I spoken with them & Medicaid Medicaid ask me to contact the medical billing and ask them to contact Medicaid but they choose not too so Medicaid said it's not much they can do if the medical billing won't cooperate first of all I am so upset and so confused my lawyer was the one who represented this case for me it wasn't slipping fall I was on camera the store manager came to my rescue I had witnesses and then I went to the hospital and then now I have all of this all on me I did the right thing I called and contact everyone before I went to collection agency and now the amount changed for XXXX to XXXX so what's next XXXX to XXXX XXXX to XXXX how am I supposed to pay all of this

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 2022-11-26
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX : XXXX 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.

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 2022-09-12
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:
this was the companies stall tactic this what they sent me, so I attached my drivers license, Bank Statement and a copy of my social security card I'm submitting it thru here to make sure they get it they keep telling me they have not got it thru the mail sent XX/XX/2022 I want them to update there file so I can get all this fraudulent accounts blocked and deleted which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now My identity was stolen me and my family of XXXX will be facing XXXX due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX  XXXX ) XXXX XXXX XXXX My Name should only be listed as XXXX XXXX all other names should be deleted my correct address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX ga XXXX all others should be deleted to prevent further fraud and any mail sent there with any dispute information my only phone number is XXXX all others should be removed

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 2023-04-09
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: Credit inquiries on your report that you don't recognize

Complaint:
i have inquiries on my report that i noticed i didn't make and reached out to creditor to dispute inquiries .i will like assistance in removing fraudulent inquiries and i have a fraudulent account on my report i have included police report and affidavit as well as proof of identity.

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 2022-09-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
NMAC still continues to violate my federal rights. They are still contacting me after receiving my cease and desist. They are still collecting payments after not validating this debt. They have still yet to send me an audit trail that I have requested. They are still negatively reporting to consumer reporting agencies after I provided written instructions not to. They threatened to steal my car again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: CITIBANK, N.A.
State: AL
Product: Credit card
Issue: Other

Complaint:
I purchase a laptop computer from best buy on XXXX the XXXX, 2015 I put {$1000.00} on my best buy credit card and I had a {$52.00} gift card from best buy and I put the rest on my Visa with another company and that amount was {$92.00}. I returned the laptop on XXXX XXXX, 2015 to best buy on XXXX is where I purchased it and returned it as well, and the person at the customer service desk informed me that he would need to contact a manager because it was over 15 days and I needed to return it before the 15 days was over with. I told him no one told me that and I never used the computer It just being sitting in the box and there is nothing wrong with it. so he called the person that was on duty for a manager and he told the that person that was on duty that nothing was wrong with it and it was never used and this person was very nasty and rude about the whole situation and told me he do n't have to do anything for me and ask me do I want to speak with someone on a higher level and I told him yes then he said that he was it and If I want to speak with someone on a higher level then he would not handle my situation and he said we do n't have to tell you that we have 15 day return policy and I told him yes the store do suppose to let me that. He said that the sign are all over the store and I never saw the sign because I do n't shop there like that to even look nor know that information. He began to tell me all he can give me is a store credit and informed him that this is on my credit cards and he said you either take or leave it because that is all I can do for you and if you do n't like that you want get anything at all. I told him, why in the world would I want to have a credit for this store and still have to pay for a bill as well ( XXXX bills to be exact ). Most stores would take this off your credit cards but he would not and this is what I want them to remove this off my credit cards. The amount {$1100.00} off my credit cards and teach this person how to be a manager with customer service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
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 XXXX XXXX XXXX XXXX was opened on ( XX/XX/XXXX ) problems started from the beginning of purchase card had free interest for ( ) cabinets were not ordered or installed and interest free was up, spoke with XXXX 's and XXXX, XXXX  were installed and defective poor working man ship on cabinets and even worse on installation. 

Many months to years of back and forth we had requested arbitration card was paid off and removed from credit and closed. 
XXXX XXXX  has re-aged credit account XX/XX/XXXX after falsely showing payments for the last 3 years, on a closed account. ( Inaccurately credit reporting violation of FCRA ) NO payments have made during this time, XXXX is demanding payment on a closed account that was paid in full .... XXXX XXXX  has damaged my credit with the late payments on my credit report. 
I must stress no action has been made on this account in 3 years due to paid in full. 

I sent a dispute to all three credit bureaus, asking for investigation of violations of FCRA of XXXX XXXX XXXX, and XXXX sent a letter XX/XX/XXXX states there are no delinquencies reported, which was a fraudulent lie due to the credit bureaus posting lates and dropping my credit score on my credit reports which is supported by the documents dated XX/XX/XXXX This has caused denials of credit which has caused a financial hardship which I want to be compensated a XXXX per violations and further damage to me financially.

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 2023-03-03
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
I received a Prepaid American Express Gift Card for {$100.00}. Card # XXXX XXXX XXXX exp XX/XX/XXXX sec code on front XXXX. I didnt use the card. I went online to check the balance to see that it had been used on XX/XX/XXXX at XXXX XXXX for {$100.00}. This was not me. It is an unauthorized fraudulent purchase. I called AMEX on their phone number on the back of the card. Was on hold for 48 minutes to be told that I need to call the place it was used. AMEX has no responsibility. How can AMEX have no responsibility to address fraud? I followed AMEX direction and Called XXXX XXXX at XXXX to be told they couldnt do anything and that I needed to call AMEX the company who issued the gift card. I then called back AMEX. They continued to say they could not help me. This is unacceptable. Banks are required to follow Regulation E for unauthorized transactions and AMEX basically told me they had no responsibility. 

This entire process took me over 3 hours to get nothing resolved as no party will help me. At this point I am out {$100.00}. 

The information on the back of the gift card is the following : Visit AmexGiftCard.com/Balance or call XXXX for balance. Issued by American Express Prepaid Card Management Corporation.

Company response to consumer: Closed with explanation