BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-03
Company: JPMORGAN CHASE & CO.
State: IL
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:
Called jp morgan chase to file a dispute regarding an unauthorized transaction and after review they explained they couldn't refund me sue to my card being in my position i explained that this purchase is unauthorized and i don't know who this vendor is. 

vendors :XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$180.00} XXXX XXXX XXXX IL XX/XX/XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX IL XX/XX/XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX IL XX/XX/XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX IL XX/XX/XXXX {$150.00} XXXX XXXX XXXX   XXXX IL XX/XX/XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX IL {$440.00} XXXX XXXX # 1487 XXXX XXXX IL dipute date

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-12
Company: Navient Solutions, LLC.
State: AS
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:
Letter from Pioneer Credit Recovery , Inc Date of letter : XX/XX/XXXX  Amount of debt : {$1700.00} Actions : They are trying to collect a debt that I owe to the DOD ( Department of Defense ). 
The debt was referred by the U.S Department of the Treasury, Bureau of the Fiscal Service. 
Concerns : I believe that I do not owe this debt and should have more information about why and how did I get this debt. I have no idea or clue of the reasons why all this happen without my consent and I think it's a scam. And lastly I should have a lawyer or a representative too. 
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 2023-09-15
Company: JPMORGAN CHASE & CO.
State: MA
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 was opened in my name at Chase bank. I never applied for a credit card and have never used Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted a complaint already and attached a court order to be removed from this loan. 

I have attached a COURT ORDER that EXPLICITLY STATES XXXX is solely responsible for these student loans. 

The Complaint was closed with a letter from the company stating that I simply " did not want '' to be a co-signer on this loan. They disregarded the court order. 

COURT ORDER FOR REMOVAL IS ATTACHED. 

Please see section IV - 1 which states " Wife shall be solely responsible for her student loan debt. '' I have emailed XXXX directly on XX/XX/XXXX, XXXX, XXXX, + XX/XX/XXXX, but have not recieved a response from them pertaining to 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 non-monetary relief
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a copy of my credit report and am disputing some items that need to be deleted. I have listed the account, the opening date, and account number when possible in the attached PDF.

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 2020-04-13
Company: EQUIFAX, INC.
State: MO
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:
Im demanding for the following unauthorized fraudulent accounts be removed. These accounts are NOT mines and have caused me alot of pain, fighting to restore your identity is a cancer in itself. I've requested proof of these accounts via physical documentation never once did i receive any type of documentation. If these accounts can not be physical verified and delivered to me via certified mail then they shall be removed and blocked from my credit file. Please remove the following accounts. 

1. XXXX XXXX XXXX XXXX  2. XXXX XXXX 3. XXXX XXXX XXXX XXXX  4. XXXX XXXX XXXX 5. XXXX XXXX XXXX {$3200.00} 6. XXXX XXXX Cu 7. XXXX XXXX 8. XXXX XXXX Cu {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Tower Loan the agent here in XXXX Louisiana, called my girlfriend and told her I was 2 months behind and if I didn't pay by tomorrow they are coming confiscate some of my personal belongings and ask her if she knew about my loan and she said no and the agent told her well that's not not being honest with you, your man is lying to you, so now I'm arguing with her and about to lose my son 's mom over that lady telling my personal life to her its wrong and against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: Comerica
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My first time was on XX/XX/XXXX. Money was taken from a debit card. For XXXX at XXXX in XXXX, Il it was from my Direct Express Card then the next time, I had money come off my XXXX checking acct for XXXX. I believed my apartment has hidden camera because when trying to send emails I can't and the wall and floors tap is their anyway you can help me because this has happen several times I'm trying to move. Whoever is doing this to me is nearby. What do you suggest? Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We have sent XXXX wire transfers XXXX XXXX XXXX to Bank of America as below as an investment to a XXXX XXXX and discovered that they are all fraud and scammers accounts. We worked with XXXX XXXX to communicate with Bank of America to reimburse our funds as they are responsible for not identifying the fraud accounts but they were not responding. So I want to complain on Bank of America for not responding and for not reimbursing my funds. Date and amount of transfers XXXX {$25000.00} XXXX {$25000.00}

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 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX : Account number # XXXX XXXXXXXX XXXX : Account number # XXXX : 15 U.S.C 1681 section 602 A, States I have read 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 conviction 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 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 2020-06-10
Company: LoanCare, LLC
State: NJ
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:
I had inquired about a forbearance plan that Loancare LLC was offering during the start of the covid-19 pandemic. I filled out an online application for the plan on XX/XX/20, and received an email stating that I was approved and the plan had started on XX/XX/20. I was notified by my mortgage broker to immediately cancel the plan, as I was planning to refinance in the near future, due to the possibility of a negative report on my credit. I tried to contact Loan care immediately to cancel the plan, and could not reach anyone on the phone multiple times. I attempted to cancel my plan online but had technical difficulties which were not assisted by any loancare technical associates. Additionally, they reported me as delinquent on my payments during the forbearance plan, which they specifically stated would not happen on the application completion email I received. I spoke to a manager at Loancare, Agent ID  # XXXX XXXX, who could not assist me with this issue or provide me with a letter validating that Loancare is wrongly reporting my credit, on XX/XX/20. I am also unable to login to request a letter from the credit department due to technical issues that Loancare is currently having.

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 2019-08-23
Company: CITIBANK, N.A.
State: FL
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:
Citi XXXX will not protect the card holder I placed a dispute on XX/XX/2019 and XX/XX/2019 : in the amount of {$260.00} / XXXX XXXX XXXX XXXX XXXX XXXX : the veterinarian NEVER examined by dog, and based on a cough said my dog had XXXX XXXX : Put her on seven different medications. My dog became XXXX  and did not eat for four days. 

I took her to another veterinarian, and was advised if I did not stop the medication I would kill my dog because she does not have XXXX XXXX nor is XXXX XXXX XXXX a XXXX. To diagnose XXXX XXXX there are test that need to be done : XXXX XXXX XXXX / XXXX XXXX body cavity and others : before doing theses test your dog has to have signs of XXXX XXXX with the following : XXXX XXXX XXXX, tiring on exercise / weight loss / XXXX XXXX, XXXX XXXX XXXX, XXXX discoloration of the XXXX and XXXX ; she none of these systems. 
XXXX XXXX XXXX took complete advance of me being worried about my dog and without sleep for 2weeks. What my dog had was bronchitis : When Citi XXXX dined my first dispute, I resubmitted it the dispute and requested they asked XXXX XXXX XXXX to provide testing for diagnose XXXX XXXX. Citi Costco refuses to request for it and said I should provide it. 

I then wrote to XXXX : they assigned by case to XXXX XXXX. 
This man had the audacity to give me advise, I did not know he was a therapist. 
He then says there not detectives and would not ask for proof of testing, I should provide from the other doctors in their letter head that she does not have XXXX XXXX. 

They want to further inconvenience the card holder and add me stress they I have had to get all these documents. When all they should do is ask XXXX XXXX XXXX for proof of testing. 

I have been a loyal customer and a good one, I can not say the same for Citi Costco : I want everyone to know that they will NOT protect you in anyway.

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 2022-05-14
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 604 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 2020-07-29
Company: Experian Information Solutions Inc.
State: VA
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:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : 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 explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-02-23
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: Information belongs to someone else

Complaint:
I applied for a loan yesterday and was told a delinquent account with XXXX existed which dropped my score from XXXX to XXXX! The lender says all 3 bureaus ( XXXX, Transunion and XXXX ) have the delinquent account listed. I have never opened an account with XXXX. I called XXXX in XX/XX/2022 and the rep stated they didn't have me as an accountholder at all. After that call, I contacted Transunion to dispute the account and it was removed. Then in XX/XX/2022 I reviewed my credit file and it appeared again. I'm a retired XXXX veteran and senior with a fixed income who takes pride in my credit rating and should not have to continue to call and email to remove this erroneous account which is negatively impacted me. Please help.

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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  these accounts have violated my rights. 

15 USC 1681 Section 602 A, State I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States A consumer reporting agency can not furnish a account without my written instruction. 

# XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX # XXXXXXXX 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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU 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 2022-05-14
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: Account information incorrect

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you and I am expecting an immediate action

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 2022-05-14
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 604 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 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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 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