BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was stood up 4 times after making an appointment online with two bankers. This was after being abused by customer service. I talked to XXXX XXXX in the Executive offices to request a new personal banker, since the one I had for almost a year has never answered his phone and never called back! She said she would call me back but didn't and then later claimed illness. She did not give me service, on the contrary, she referred me back to someone who had abused and hung up on me, when I specifically told her I never wanted to speak to him again. I complained about this abuse and he closed my account against my will, endangering my life and threatening to hold all the money in my account! He intended to cut me off from getting food, paying bills or buying my prescriptions, which are keeping me alive, or even having any cash at all. I did not know there was a death sentence for criticizing the abuse I had received from them, but that's what it amounts to. I was directly depositing my social security check and will have to go through a lot of red tape to change back to a paper check because it is now illegal. I am too XXXX to change Banks or even go to cash my paper check. I just wanted customer service from a new personal banker and this is how they treat you! It's no excuse even if I did lose my cool a few times after being hung up on repeatedly because I was disputing a charge that would be recurring. I still haven't been able to accomplish this with anyone there in customer service or the Executive offices or even online making appointments that 2 Bankers didn't keep 4 times. I have also left messages with two more Executives in the Executive offices hoping to correct this extremely cruel off handed decision based on the fact that I am not allowed to objective to being stood up four times online and several times over the phone making appointments or being told someone would call me right back and they never did. They call this great service. They also say on their recordings how much they want to satisfy their customers, in other words they lie and lie and lie and we're just supposed to say nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am in total disagreement with Credit Bureau investigation response. The fraud items listed below still appear on my credit report, even after their investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
1. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately!

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 2022-12-26
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:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-04-11
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: Reporting company used your report improperly

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

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: EQUIFAX, 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 consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # DEPT OF ED / XXXX, Account name : # XXXX, Account name : DEPT OF ED / XXXX # XXXX, Account name : # 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 2022-09-27
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX # XXXX {$480.00} XX/XX/XXXXXXXX XXXX XXXX  # XXXX {$14000.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX {$1400.00} XX/XX/XXXX XXXX XXXX # XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$180.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING INCORRECT

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 2023-02-06
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon seeing my credit report, it pays my attention that the following accounts are inaccurate and fraudulent. I am a consumer by law. I am not happy about it what I saw. This hurt my credentials as a consumer. Here are the listed details of the account with discrepancies : Account Name CREDIT COLLECTION SERVIC Balance {$100.00} Account Number ******** the address for the company is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

Phone number : ( XXXX ) XXXX Date opened : XX/XX/2022 I've tried to call multiple times but no-one answer me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: WELLS FARGO & COMPANY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This complaint is identical to XXXX previous complaints. In every case in these XXXX complaints, Wells Fargo has attempted to resolve the complaint by providing false information to both the CFPB and to me : - XXXX ( XXXX 2016 ) - XXXX ( XXXX 2016 ) - XXXX ( XXXX 2016 ) In summary, the complaint is that I can not transfer funds from my Wells Fargo bank account to a bank in the XXXX. Wells Fargo have claimed in the XXXX previous complaints that transfers are possible using Wells Fargo online. On XXXX 2016 I spoke to XXXX ( Online Banking, XXXX XXXX ) who confirmed that at that time, international transfers were NOT IMPLEMENTED on the web site, but that the web site was due to be updated on XXXX 2016. This claim has proved to be false. Today, it is still impossible to transfer funds using the Wells Fargo web site. Today 's excuse is that a customer needs a US-based cell phone in order to receive a text message during the transaction. I am resident in XXXX, and do not have a XXXX cell phone, and also can not even purchase such a contract. BOTTOM LINE : Wells Fargo is still holding my funds to ransom, even after XXXX complaints and XXXX incorrect Wells Fargo responses to the CFPB.

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 2022-01-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted all 3 Credit Bureaus and let them all aware that I am a victim of fraud. I did not request for XXXX XXXXXXXX XXXX  to access my credit profile. In return the representative told me that they can not delete the inquiry.

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 2023-11-04
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Remove both accounts from consumer Equifax Report XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible Purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENITITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have sent a dispute letter to Blakely-Witt & Associates around XX/XX/XXXX and they never responded and never provided verification of debt owed and now they have added another which is over {$4000.00} as my credit monitoring system just notified me. They also never sent me any letter via mail stating I owed any debt, instead it is just added to my credit reports causing my score to drop again which has caused me to be unable to be approved for an apartment so I had to move in with family. I also did not receive a right to dispute letter from this company from either collections they have placed on my credit in XXXX and now XXXX. When I request written documents verifying this account is mine neither the credit bureaus nor the collection agency have provided any proff which is against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
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: Old information reappears or never goes away

Complaint:
I was in deferrance and on XXXX and not supposed to be making payments and it says I missed payments. 

Also its going back reporting passed 7 years I feel and it never goes down in the amount I owe even though Ive paid on it for years and years

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 2023-12-12
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
have had a loan on XX/XX/2023 I went on a payment plan of 30 weekly payments. I made the final payment on XX/XX/2023 of {$30.00}. I was told that I can re-loan after this is paid off. I decided to reach out to customer service to see what the waiting period is to reapply. I was told that I can reapply over the phone but I wont get the funds until XXXX to XXXX business days. I went to apply over the phone I was told that I was denied. I went to apply online. It said that I was approved for {$1200.00} and that I will get the funds by XX/XX/XXXX and the application online shows pending when I went to reach out to customer customer service I was told that I would get a call back. I never got a call back I try to reach out. I was told that I was denied but online it is saying that I have a pending application, I spoke with someone named XXXX and he told me that my application was denied and the only way since Im returning customer is to withdraw the application and wait 30 days or do an express application I just feel like as a returning customer customer that is unfair because I have made payments on time and then for me to just get denied and then being given the runaround is not fair at all I feel like this company takes advantage of people that are struggling and going through hard times. I received a call at XXXX XXXX  from Makwa finance and it was a voicemail was left. When I heard the voicemail, all I heard was background noise when I tried calling back at night, I get a call from Lendumo that is a completely different company I have made payments, and then I just turned around and get denied and just have my time wasted that is not fair at all. I have filed a complaint this morning XX/XX/2023 and attached screenshots to a complaint I submitted on XX/XX/2023 I have also checked the portal on Makwa finance and it said to claim 500 points and the application is pending and it says date funded XX/XX/2023 I will attach the screenshots I saw on the Makwa finance portal this evening

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-02-17
Company: Experian Information Solutions 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:
I am writing to request the method of verification for dispute initiated on XX/XX/2022 followed up with written disputes on XX/XX/2022 regarding the disputed items below. It has been more than 30 days and I have not received any proof that your company validated the debt. Youre also reporting incorrect addresses on report 1. Validate Account XXXX XXXX XXXX. Account # XXXX XXXX. Please delete account or provide validation information For each of the disputed items above, I am requesting that you provide the following information : XXXX. The name of the original creditor XXXX. The creditor 's address and telephone number XXXX. The persons name they verified the dispute with XXXX. The documentation used to verify the dispute

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I took notice to inaccurate information on this account from XXXX, XXXX XXXX. 


The first inaccuracy is that the account numbers are reporting differently on Transunion, XXXX and XXXX. This is already grounds for removal pursuant to the fair credit reporting act. The FCRA says that everything must be maintained with 100 % accuracy however, both Transunion and XXXX are reporting the account number [ XXXX ] while XXXX is reporting this account number [ XXXX ]. This is only one account and it can not have to completely different account numbers. You now clearly have reason to believe that the information reported is inaccurate. I also included a screen for further evidence. 

The additional inaccuracy is that I was " late '' when I never was. This is tarnishing my reputation. This is violation of multiple federal laws set forth by Congress in regards to the above accounts. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, late payment status ), between the consumer ( myself ) and the person ( CREDITOR ) making the report.

Pursuant to 15 USC 1681b This is my consumer instruction ; remove all late payments from each account and update the reporting to reflect current/paid as agreed never late. 

I request that you mail me a copy of the complete consumer file that you maintain concerning me and this account after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file.

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the accounting records, the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).

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 2023-02-06
Company: FISERV INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
company called XXXX  XXXX had hacked my bacnking account try withdrawing 3 seperate amounts {$25.00} on XX/XX/23, {$600.00} on XX/XX/23 and {$100.00} on XX/XX/23. I noticed transactions were not mine and put in dispute with my bank. Then i try calling the company but they are out of XXXX. Finally get notice from collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I never did this think its wrong these people are trying damage my credit.I have great credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. In accordance to the Fair Credit Reporting Act converganct account # XXXX and # XXXX has violated my rights 15 USC 1681 602 A states i have the right to privacy 15 USC 1681 602 A section 2 states a consumer reporting agency can not furnish an account without my consent if you have any questions or concerns i can be reached at 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 2022-12-26
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-22
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
It states that I open a new card with XXXX XXXX. I have never open an account with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief