BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2023 I became a victim of fraudulent activity and theft involving my accounts with Chase. The hackers disputed XXXX claims stating payments I had legitimately made to my mortgage, car, credit cards payments and utilities over a year ago. Chase was neglected and never informed me via phone, text, email or other communication and advised until later XX/XX/2023. This is when I went to a local branch and discovered all the fraudulent activities. The hackers were able to complete transactions of cashing out the money Chase had given temporary for those disputes. I would never authorized or make these type of transactions totaling {$18000.00} as it would put my housing in jeopardy as it currently is. I have filed a claims against those transactions and havent gotten anywhere. They were able to retrieve the money via XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. I am now delinquent with my mortgage and car and other bills on payments I had already made and had no intention of disputing with my bank as it will fraud. I currently have no funds in my accounts and Im currently negative. My credit is also been impacted. I should of been protected by my financial intuition in securing my money as the market themselves. Zero liability protection. They should of stopped this from happening as it should been a reg flag to them. For example someone stopping their mortgage payments from last year. I also have had a relationship with Chase for over XXXX years which they are now suspending due to their own negligence. I dont know what else to do as I have also called the police and opened a case. I HAVE never authorized any of those claims and removed any funds from my accounts. Now Im behind all my bills after being up to date with them. I have also reached out to XXXX XXXX, XXXX XXXX and the rest as well as the credit bureaus to advise I was a victim of fraud an identity theft as the hackers have all my information. I have also file a complaint with the local police in XXXX as some of the money was transferred there. Im in desperate need of help and guidance. Im a single XXXX and have no financial support. I have advised Chase the money belongs back to my creditors or its Chase money. I want to be right with everyone. I can provide any information needed that I might have Cant upload them as there too many. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I sent two letters stating i revoked my authorization for them to take money from my account.I informed them I would make my own repayment arrangements. The money was to be taken on the XXXX of XXXX, 2019. The letters were sent on the XXXX and the XXXX. There was no response. They took the {$150.00} anyway from my checking account.It is very difficult to get them on the phone and they dont respond to emails. 

They took my money from my bank account without my authorization,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Diverse Funding Associates LLC
State: OR
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:
DNF Associates of New York has reported me to XXXX for a charged off debt that was first reported delinquent and last paid on XX/XX/2016. The original debt was issued by XXXX XXXX XXXXXXXX, charged off, and closed. However, this debt is now over 7-years old. I am concerned because this entry is adversely impacting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
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:
I have file several complains through CFPB and FTC on-line website, no resolution and sent validation letter with no response, no change to the items in my complaints. There is addresses, inquires name is not mine or validated. Experian is updating on a Closed & Collection Account that is not mine, it is Fraud account, a company called XXXX XXXX under an account # XXXX operated by a XXXX XXXX, reported {$80.00} & Late Payment XX/XX/XXXX. This is not my account. Address Fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, FRAUD INQUIRES : XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX  XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX  reporting name incorrect XXXX XXXX, FRAUD INVALID Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, Inquires:XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX. XXXX  : Incorrect name : XXXX XXXX, invalid FRAUD Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  AR XXXX, FRAUD Inquires : ALL ARE DATED FOR XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX  XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2020 the vehicle I had co signed to financed was involved in a car wreck. The person at fault had XXXX  XXXX   for insurance. I contacted them within days of the wreck. They deemed the car a total loss. XXXX  XXXX  emailed that they would send me a check so that I could pay off the car to the lender ( XXXX XXXX ). Some weeks went by and when I contacted XXXX XXXX  they said that they paid XXXX to XXXX XXXX  in XX/XX/2020 instead of sending me the check. That left a {$400.00} balance to pay off the car. So in XX/XX/2020 I contacted Gap  ( XXXX XXXX ) to move forward with getting the rest of the car paid off. During this entire process I was contact with my lender XXXX XXXX. They confirmed that they had received the XXXX check in XX/XX/2020 and I let them know that XXXX  said they would pay the remaining balance of the {$400.00}. It may have been a little more. However XXXX XXXX  put a charge off on my account at the end of XX/XX/2020. They were given XXXX in XXXX. When I spoke to a manager at XXXX XXXX  in XXXX concerning the charge off they said I should of paid out of pocket. The check from the Insurance was mailed to them instead of me. I had no controller over that. I should have not gotten a charge off at the end of XXXX. I worked really hard to to stay in contact with XXXX  XXXX  and XXXX XXXX to make sure that they received their money to get the car paid off. This charge off should be removed. I did not neglect to pay. Again {$8000.00} was paid in XX/XX/2020 and only a small amount was left to pay on my XXXX XXXX XXXX. Please remove this charge off. I did sent letters to the credit bereus but nothing was done

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 2023-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Subject : Request for Refund of Overpriced Fees and Unauthorized Account Opening Dear Bank of America, I hope this letter finds you well. My name is XXXX XXXX, and I am writing to bring to your attention an issue I recently discovered regarding my account with your bank. 

Upon reviewing my financial statements for the year 2021, I noticed several instances of overpriced fees being charged to my account. These fees were not in line with the terms and conditions that were agreed upon when I initially opened the account. I kindly request that you thoroughly investigate this matter and refund me the excessive fees that were charged. 

Furthermore, I was deeply alarmed to discover that an account was opened without my consent or authorization in 2021. This unauthorized account raises serious concerns about the security of my personal information and banking transactions. I expect an immediate explanation regarding how this could have occurred, as well as an assurance that all necessary measures will be taken to prevent such incidents from happening in the future. 

In light of these issues, I kindly request the following actions from your esteemed institution : XXXX. Conduct a thorough investigation into the overpriced fees charged to my account and refund the amount that exceeds the agreed-upon terms and conditions. 

XXXX. Provide a detailed explanation, including all relevant documents, regarding the unauthorized account that was opened in my name without my consent. 

XXXX. Ensure that appropriate security measures are in place to safeguard my personal information and prevent any future unauthorized account openings. 

XXXX. Ameliorate any damage caused, including potential harm to my credit and financial standing, resulting from the unauthorized account opening. 

I trust that Bank of America, as a reputable financial institution, takes these matters seriously and seeks to resolve them promptly and amicably. I appreciate your immediate attention to this serious issue and your cooperation in rectifying the situation. 

I kindly request a response to this letter within 30 days of receipt. Please address all correspondence related to this matter to the contact information provided below. 

Thank you for your attention to this matter. I am hopeful that we can resolve these issues swiftly and amicably, maintaining a productive and mutually beneficial banking relationship. 

Sincerely, XXXX XXXX [ Your Contact Information ]

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 2021-09-22
Company: JPMORGAN CHASE & CO.
State: NY
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:
Back in XXXX, 2021 my card was lost/stolen. From XX/XX/XXXX to XX/XX/XXXX someone went on a shopping spree. Every single day I called Chase multiple times a day telling them to stop accepting these fraudulent charges and they did not. They supposedly closed the account but the charges kept coming thru. They sent another card which I did not receive in time for me to use it so I guess they cancelled that and overnighted another card which is the card that I use current. It was all resolved and the charges which were around {$17000.00} were credited. Whomever was using my card also called Chase and increased my credit limit!!! When I found out I dropped it back down. They also were paying my bill ( I believe ) from the checking account which was connected to the account. At the end of the time in early XXXX  I figured out with Chase which charges were legit ( auto billed items ). The rest was credited and I paid my bill. Now fast forward to XX/XX/2021 and all of a sudden the {$17000.00} was rebilled to my account. Due to a low credit limit I keep I can not use my card for legitimate purposes. I've had NO warning about this nor any recourse. They are supposedly reviewing the situation which will take 2 weeks and I am without any credit!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
My credit score dropped from XXXX to XXXX for no apparent rason with Equifax and XXXX on XXXX. I have just recently uncoveed the culprit behind these egrigous errors. That culprit is XXXX. Apparently XXXX has erroneously put my account into collections without my knowledge back in XXXX when I had disputed a final bill they sent me. XXXX sent me a false bill of {$590.00} in XX/XX/2019. I disputed this bill beause it was wrong. I filed a complaint with the New York State Attorneys office in XXXX showing XXXX   corrupt actions. In XX/XX/2019 I received an email from XXXX where they made the final adjustments to the bill leaving a balance of {$220.00}. I paid this bill on XX/XX/2019. The bill should never have been sent to collections. This illegal action was retaliation from XXXX because I filed a complaint with the New York State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Santander Consumer USA Holdings Inc.
State: AZ
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:
CFPB Case No. : XXXX I previously filed a complaint on XX/XX/2020 disputing inaccurate information on my credit report. To date, I have not received a response to this complaint from the company. Santander stated they were unable to locate account and requested VIN number. I provided the VIN number ( XXXX ) and the company has failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My current address of XXXX XXXX  XXXX XXXX. XXXX, MD XXXX- Should be ONLY address on my credit 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 2023-05-04
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Around the beginning of XXXX, XXXX, we contacted XXXX to issue a complaint about our poor cell phone service. We were told that a cell tower was degraded and under repair. We were assured that our service should be back to normal by XX/XX/2022. 

The service was not restored and we changed our service to XXXX on XX/XX/2022. Shortly after, I attempted to open my XXXX account on-line to determine my final balance and make the payment. I could not access my account and I called XXXX. I was told that I needed to make a special trip to a XXXX store, present 2 forms of ID so they could look it up! I indicated that I didn't think it was my responsibility to go out of my way to look up my own account. 

My credit card was charged in the amount of {$110.00}. I contacted my credit card issuer, disputed the charge and was given a temporary credit. I then received correspondence from XXXX indicating that I now owed {$140.00}. 

I then wrote letters to XXXX disputing the charge. Each letter went unanswered. Today I received a final letter indicating that my account was being transferred to a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance XXXX {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$5200.00} XXXX XXXXXXXX Balance : {$1100.00}

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 2023-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
So {$230.00} was taken out of my account. And it says I used it on XXXX for three of the same comic books. XXXX XXXX XXXX XXXX was the name of the comic book. The company that was selling those books was a third party company and they deleted their business off the app. Once I tried contacted them after I knew it was unauthorized purchase. Nothing ever came to my house. And they used my card to buy an imaginary item!!

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 2020-01-16
Company: EQUIFAX, INC.
State: GA
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:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to Equifax and The Internal Revenue Service my personal information was exposed in both of their data breaches. Equifax, then confirmed on two separate occasions that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Credit Karma, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I am a member of creditkarma.com and get emails from them on a regular basis. On XX/XX/XXXX of this year I received an email urging me to check my " ID monitoring '' page. I went to the page and saw a username I use on a variety of sites displayed there ( actually 4 of the 7 letters were displayed but I knew what is was instantly ). I was upset and curious as to how they found out a username ID that I use. I did *not* authorize them to do any identity monitoring - I got this account to view my current credit score because this site is free. 
I immediately sent a message to credit karma asking how they got this information. I subsequently sent 2 or 3 followup  emails. It is now a month later and I have not heard back anything from them. The only phone number I was able to find never answers and hangs up immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have not recieved documents that I requested! Please help 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