BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-19
Company: JPMORGAN CHASE & CO.
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:
I was call by a person who told me there were a Chase representative from the fraud department. The number on my caller said Chase Bank so I didnt question the call. The person I was speaking with was professional and thorough and so I proceeded as usual. I was informed to check my account to verify that an unauthorized transaction had occurred in XXXX in WV in the amount of {$180.00}. Upon checking my account I saw that this information was true and so the conversation continued. As the rep went on about what action we would take next they also informed me that this same individual attempted to wire themselves money in The amount of {$6000.00}. In order to reverse this transaction and prevent it from happening I was told I would need to do a wire reversal. At this point in the conversation I was confident that who I was speaking with was here to help and actually a Chase rep. I did as I was instructed to retrieve what I was told had been compromised. Only to find out that it was a scam. This person walked me through the steps of sending a wire via my Chase mobile app in the amount of $ XXXX to XXXX XXXX. This was who I was told had attempted to send a wire and that I would need to reverse the wire sent by following the steps. After the wire was sent to another Chase account the fraudulent Chase rep even told me to hold as they needed to run a virus scan to make sure that all my devices had been properly logged out of and secure. I was left on hold for 20 min before the call dropped. When I called the number back it routed me to an actual Chase Bank number. I followed the prompts to reach customer service to complete the process. As I informed Customer service that I was trying to reach the fraud department that I was just talking to we learned that the call I had received was not an actual Chase rep. 

After speaking with the Real Fraud department I was told that this was a case for the Chase Wire Research Team and I would need to send them a message to recall the wire via the secure message center. The wire research team was no help at all. They strung me along weeks at a time saying they were waiting to hear back from the receiving bank. But this wire went from one Chase account to another. They then told me they we waiting for a response from the credited party for them to authorize the funds to be returned. Despite the messages I sent the wire research team letting them know that the person they are trying to hear back from is a scammer. After 4weeks of going back and forth with Chases wire research department and the claims department the case was closed and I seem to have now lost $ XXXX to a scammer. This is my final attempt and only hope in getting some type of restitution or refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: AR
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: Investigation took more than 30 days

Complaint:
I have filed numerous FTC reports and disputes with the credit agencies. They are not being processed correctly and I am not getting copies of the verification process. Results are not copies of the verification process. The FCRA is not being followed correctly and I can not get help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
chime.com closed/froze my account in XX/XX/, 2023 and I can't access my {$470.00}. They did not return it does not matter what I tried. The reason for that was that Chime could not verify my account- I am a foreign citizen and Chime did not verify my identity with the foreign passport. However, the company did not had a problem when I opened an account and someone transferred money on my account, but Chime froze my account once there was a money on it... Originally, {$470.00} was sent by XXXX XXXX on my account in XXXX XXXX, 2023. So the company asked me to send photos of the front and back of a valid, government-issued photo ID, such as a drivers license or state ID card. 

I got the NY ID card in XXXX, contacted the support center and asked to verify my identity and give me access to my funds or at least return the remaining balance by check. After this we have exchanged several emails with the same texts - the company is sending me the same emails to send them the photos of the ID card, I am sending them and then receiving the same request from the other person acting like its the first time Chime requested the photos from me. Its like they are just trying to make me got tired and stop trying to get my money back. But I am a student and need every XXXX. 

Thank you! 

Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
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: Investigation took more than 30 days

Complaint:
XXXX has not reported any information re my credit card since XX/XX/XXXX I called XXXX and was told they report every 60 days. I advised it had been longer than 60 days I filed a dispute w credit bureaus. The outcome of those investigations is XXXX reported account closed with XXXX balance. XXXX insists they did not report this, however XXXX still as of XXXX XXXX has not reported to any reporting agencies. I spoke with a supervisor today after holding 30 minutes told me the only way to help is fax the credit bureau info. I did that once in early XX/XX/XXXX to XXXX XXXX XXXX and XXXX claims they did not receive it and told me to fax again which I refused. Supervisor was rude and not helpful. I asked why I need to send info, I'm the customer and being asked to do all of the legwork for months.

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of BLATANT identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/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 2023-01-10
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:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX  XXXX XXXX  {$13000.00} ; XXXX XXXX XXXX XXXX XXXX  {$19000.00} ; XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/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 explanation
Consumer complaint received 2022-06-02
Company: Affirm Holdings, Inc
State: NJ
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: Investigation took more than 30 days

Complaint:
XXXX  SELF-REPORTED AFFIRM INC XX/XX/22 RE. We have disputed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
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:
This is my XXXX attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. XXXX, Equifax and XXXX have failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with 3 credit bureaus. This account was opened fraudulently. I informed the Bank of the issue & provided them with the required documents to block/remove the account via FCRASection 605b. They have failed to block the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need the XXXX removed from my report ASAP. Here is the name of the data furnisher & the account information. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: EQUIFAX, INC.
State: OH
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from 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 2023-02-08
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX NJ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : po box XXXX XXXX NJ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. The following personal information is incorrect XXXX. The following personal information is incorrect Employers : XXXX XXXX  XXXX. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report XXXX. The status is incorrect for the following account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: WELLS FARGO & COMPANY
State: NJ
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:
Ive been a victim of identity theft. Someone created a XXXX account in my name and gained access to my Wells Fargo account. I told Wells Fargo that I didnt have a XXXX account at that time but that didnt seem to change their mind that an account I didnt have, withdrawing from my bank account, isnt fraud. These are the claim numbers provided in the app XXXX, XXXX, XXXX, XXXX, XXXX. I have spent over 15 hours on the phone with Wells Fargo since the XXXX, Ive been hung up on, transferee around in circles, dealt with incredibly rude agents only to get my claims denied with one claim denied 3 hours after it was received. It seems that no team communicates with anyone else in the business. I was never asked for supporting evidence like a police report, ID Theft report, communication with other businesses, absolutely nothing. How is this a thorough investigation. I received letters for stop payments that I had made one of the letters said that I canceled the stop payment. There is no reason why I would do that. Nobody would tell me over the phone why my claims were denied, they told me that I would have to wait to get the letters in the mail. I have been a customer since 2001. I now know why they have an F from the XXXX, they have been fined billions and billions of dollars for fraud, and are called the worst big bank.

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 2021-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics 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 non-monetary relief
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: PA
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 and XXXX XXXX XXXX XXXX and XXXX : 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 602 A .Section 2 : IT Also States A Consumer Reporting Agency can not Furnish a Account Without My Written Instructions.

15 U.S.C 1681b A Creditor May not treat a payment on a Credit Card Account under an open end Consumer Credit Plan as a Late for Any Reason

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 2022-06-02
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:
XXXX XXXX : XXXX Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation