BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2023 my account was used to send a XXXX payment to an unknown account. The Recipient email was unknown to me nor did I ever authorize this transaction. The amount in question was a sum of XXXX XXXX 

I contacted CHASE Bank and created a claim. Said claim was denied by chase even though In my initial claim I stated I never authorized this transaction. I was unaware of this transaction. In said initial claim I was told I would receive a call within 10 business days and credit into my account but never received a XXXX nor any form of contact from CHASE. I then contacted XXXX as it was through XXXX and was told to contact my bank. I spoke to manager XXXX of the claim department and she told me Negative. 

Under regulation 8 I am entitled a refund for any unauthorized payment. I believe my rights are being infringed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions 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:
Report from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Please wait... 
XXXX XXXX XXXX Print report XXXX Calculated using XXXX XXXX Provided by XXXX Personal Information NAMES REPORTED XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX ADDRESSES REPORTED XXXXXXXX XXXX XXXX XXXX MD XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Accounts Here 's every account on your XXXX report. Click on the account name for more details. 

See an error? 
You can submit a dispute without leaving XXXX XXXX. Look for Direct Dispute in the details of the account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX + {$0.00} Closed Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-15
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:
Fifth Third bank terminated all of my accounts in XXXX of 2021. 

I had called in with a transaction dispute concerning my debit card connected to my checking account. I explained a merchant had charged my card without authorization. 

I received a call back a few hours after submitting the dispute. I was told that they could not give any information, that all my accounts were closed. 
I called back a little while later to let them know I contacted the merchant and they were going to refund the transaction. Who ever I spoke with then said something did not seem right, and that they would call me back later after checking into the situation. I missed that call, it was around XXXX in the evening. 
I had no access to my accounts for about 5 days. I had been a customer for over 20 years. I had savings accounts, checking accounts, business account, and credit card account. 
I also had a previous dispute with my credit card account. I received a provisional credit, but that was reversed and charged back to my account. I am still disputing this. The charge was for a XXXX XXXX channel that a company was building for me. I never did receive the channel. 
After they charged my account again, they lowered my credit limit. 

Now my credit score has lowered significantly. Credit utilization for the account shows over 160 %. 

Also, after closing my accounts, they allowed auto payments to continue, so my account ended up in the negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: DISCOVER BANK
State: OH
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:
I had a fraud case with a company called XXXX an e-commerce platform after I asked discover to block all transactions ( about a year ago ) Then i suddenly get a charge of $ XXXX {$5000.00} more than my credit limit. 

I reached out and they gave me a temporary credit and even issues a partial refund in the amount of XXXX, but then they came back and said it wasnt fraud ( even though I had no access to that website )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have submitted my driver 's license and paystubs to XXXX on 2 separate occasions. They have failed to provide my credit report. I am extremely concerned about identity theft and that XXXX  may have lost my items for identification purposes. I have been waiting since XX/XX/2020 and have received no response from XXXX  and I believe my consumer rights have been abused and violated.

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 2022-12-30
Company: M&T BANK CORPORATION
State: VT
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My mother XXXX XXXX passed away on XX/XX/2022 and I tried to report that the account needed to be closed and I got the rudest lady XXXX on the other end!! I did not appreciate how I was treated especially after just loosing my mother!! I would like to see something done about how the employees of the M and T bank on XXXX XXXX in XXXX Vermont treat their customers and the families of deceased customers!! Please feel free to call me anytime for further questions at XXXX thank you for your time hope to be hearing from someone soon

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: JPMORGAN CHASE & CO.
State: HI
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:
I have been waiting since the middle of XXXX to resolve this issue with chase : they have not responded in spite of several secure messages confirming they will follow up in a few days. XXXX with chase executive services is pulling the same nonsense. I had an ear injury and can not hear, they have denied accommodating this XXXX. They continue to stall this CFPB inquiry by saying they are still researching and working on this. There is nothing to work on. They over charged me, they lied about when they would assist me, Ive been hit with more late fees and now my credit score is being impacted and I was recently denied a personal loan because it have a late payment on my card! It would not have been late if they didnt take more than what I approved. Instead they took unauthorized funds from my account and have refused to correct this in a timely manner. And thats before the outright discrimination Ive faced attempting to get help with my new XXXX!!! Look at the attachments, Ive made countless requests and they say the same thing we will contact you in a 2 business days they never do!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
showing information on back ground that is a FTC violations

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 2022-04-15
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:
According to the Fair Credit reporting act ( XXXX XXXX XXXXXXXX ) XXXX5 U.S.C 1681 Section 602 A. States I have the right to Privacy 15 U.S.C 1681 Section 604 Section 2 also states a consumer reporting agency can not furnish an account without my written instructions also a FTC report was sent to remove this account.

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 2022-05-04
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have been trying to refinance my car for almost two years because the note is so high. After this last time, the company that I was trying to refinance with informed me that I am " upside down '' in my car. I didn't understand why. He informed me further that the company whom I lease through, Nissan, added a car to my leasing agreement that was not in my name which causes me to have negative equity. This is making me unable to refinance the car. The car that was added to my leasing agreement was in my father 's name. I was unaware of this being done. I believe that my father and the shady salesman did this so that my father would not have a voluntary repossession on his credit report. I called Nissan and ask that this be rectified. They told me that there is nothing that they can do. I have paid for my car. I am still currently repaying for a car that was never mine to begin with. I want to have this negative equity removed and applied to the proper party, my father.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
Midland credit management Date opened : XX/XX/2021 Past due amount shown : XXXX $ I have called multiple times to request a validation later and have not received anything in the mail besides my options to pay. The last time i called the representative said she will try to send it out. I have also mailed letters requesting a validation letter and have received no type of validation. I have also disputed it with the 3 credit bureaus. I would like to have this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 2021-05-26
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A dispute was resolved in my favor so chime credited my account {$5000.00}, on a provisional basis on XX/XX/XXXX, but then the provisional credit was turned into a permanent credit on XX/XX/2021. For some reason the bank made a negative {$5000.00} adjustment to my account on XX/XX/XXXX after adding {$5000.00} credit. So on XX/XX/XXXX when they subtracted {$5000.00} and added it back to take away the provisional credit and add the permanent one, the {$5000.00} credit only reversed the negative {$5000.00} balance and I ended up with a XXXX  balance so no check was issued to me. 

I closed this account XX/XX/2021 so all of this happened after the account was closed. 

Ive called and emailed so many times I cant count. The investigation team keeps denying my claim and Im not allowed to speak to anyone on that team nor email them. Ive escalated this to the investigation team within the dispute department four times and I get the same answer each time, a final decision was made and we already credited the account with the {$5000.00}. Theyve never told me why they made a negative {$5000.00} adjustment on XX/XX/XXXX, which seems to be the error. I received no money from chime since the credit was applied to my account and I was told by a manger in the dispute department that there was nothing they could do other than continue to escalate the issue to the investigation team and see if they give me a different answer. Of note, the manager in the dispute department agreed with me and understood that I am owed {$5000.00} but said he could not do anything about it. This was on Tuesday XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
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:
The consumer reporting agencies has failed in the DUTY AND OBLIGATION to conduct an investigation of their own when ever consumers sends in disputes with wrong information being runished. Conspicuously and 100 % accurate and 100 % correct. Which they clearly have failed to do which has gotten me denials for credit in the hardest financial situation to man. XXXX XXXX XXXX has clearly violated the FDCPA on numerous occasions as ill attached below. THE information being furnished by XXXX XXXX XXXX has been changed before and has been deleted/remove from all XXXX Major reporting agencies and not XXXX time have I gotten a letter/NOTICE of information being reinstated before XXXX business day its furnished back into a consumers file. VIOLATION. If XXXX XXXX XXXX ASSERTS it did in FACT SENT NOTICE OR LETTER I hereby request proof of any of those claims and or documents. Lastly XXXX XXXX XXXX has certified and verified that the information being furnished in all XXXX of my consumer file are accurate when in fact its beyond accurate.

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 2023-02-22
Company: EQUIFAX, INC.
State: CA
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:
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 CA # 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
State: SC
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/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: TX
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:
Experian and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 :

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