BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX  XXXX Balance : {$250.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$250.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX  XXXX Balance : {$400.00} ; XXXX XXXX XXXX  XX/XX/XXXX Balance {$250.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: WELLS FARGO & COMPANY
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
I have a credit card with Wells Fargo Bank. In XXXX of 2022, while I was on a trip in XXXX, XXXX, my credit card was used ( not by me ) to make a fraudulent transaction in the amount of {$890.00}. I did not make this transaction. As soon as I retuned from XXXX, I checked my credit card statement and noticed this fraudulent transaction. I immediately reported it to Wells Fargo. 

According to their own policies, Wells Fargo has the responsibility to reimburse me for any fraudulent transaction on my account. After several phone calls to their Credit Card Fraud Claims department ( I believe 5 phone calls so far ), Wells Fargo refuses to fulfill their responsibility and reimburse me for this transaction. After many phone calls, they finally sent me a one-page incomprehensible document ( attached here ) that they claim proves that I made the transaction and not someone else. It should be noted that they based their investigation based on this one page. 

At this point, I have no choice but to report Well Fargo to CFPB and hope you can resolve this issue. I have been a customer of Wells Fargo for over 8 years and had never claimed a fraudulent transaction until now. The one time that I fall victim to a financial fraud, they refuse to make me whole. 

I really hope you pursue this seriously. Given the history of this bank, I would not be surprised if many other customers are experiencing the same problem.

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 2023-01-27
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Chase offers a system called " My Chase Plan '' where consumers are able to generate a payment plan for anything over {$100.00}. They also clearly state that plans can be paid off early, wiping the monthly fee. 

I spent XXXX on a XXXX when moving across country, and decided to use the Chase Plan option. I elected for an 18 month plan with 0 % APR but a monthly fee of {$22.00} with the awareness that I could pay this off early.

I then added a few other, smaller plans.

It has since been 9 months and I now have 9 active plans with the XXXX fee being the highest monthly fee. 

I called in requesting to pay the XXXX plan so that I could clear the monthly fee, but they shared that it isn't possible to select which plan is paid. 

I called in a second time and spoke wit ha 4th person, XXXX the account Supervisor in XXXX, MI with Chase Credit Card Services and she told me that the following rules apply : After the Interest Saving Balance is paid in full, any amount paid above that balance will go to : 1. The Highest APR payment ( doesn't apply because the MY CHASE PLANs are interest free, but instead use monthly fees ) Then the payments will be applied in this order of rules : - The remaining number of payments from lowest to highest ( # of months ) - The plan from earliest created to newest ( only after the first criteria is met ) This means that if I were to pay the same amount as the remaining balance on the XXXX plan, it would not be paid and I would still have the monthly fee of {$22.00} tied to it. However, it would end up closing out the payments with the smallest balance and the least amount due which are not my concern. 

When I asked for a copy of this documentation, she relayed that it was on their employee site and could not be shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXXXXXX XXXX, No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit bureau ( XXXX, XXXX, and Equifax ) account was frozen without my consent by a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2018 I received from Chase ' PLEASE accept our apology ' letter dated XX/XX/2018. about foreclosure that occurred in error and previously reported TO CFPB. 


Because as of XX/XX/XXXX XXXX at XXXX XXXX XXXX conveyed that Chase has still not as promised a month ago, removed my home from foreclosure I feel compelled to submit new complaint. 

Further this letter is inconsistent with what actually occurred & suggest that Chase had already sent me a copy of modification decline. Albeit on XX/XX/2018 I was told a letter went out XX/XX/2018. 
This is actually the first time I have received it.with apology letter. 

Also, never did any Chase representative tell me to make four payments as letter suggest. 
Fact is I was told to make one payment by XX/XX/2018. instructions were ALWAYS one payment before XX/XX/2018 or worse case senario three before XX/XX/2018. 
Which I attempted to pay the three before XX/XX/2018 to no avail because Chase would not accept. 

As previously documented this property should have never been in foreclosure as admissions made by several Chase representatives. 

I have from inception of modification to now done everything instructed by Chase and they have received payments and Chase executive office  promised a month ago my home would be off foreclosure. Chase sent letters that appeared home was off foreclosure and logical progression was XX/XX/2018 payment. 

But than that was requested to be amended by Chase executive office to XXXX and stated that I couldn't pay via phone, mail or branch. And that Chase would contact me when Chase figured out payment arrangement. 
But my home would be removed from foreclosure. 

I am extremely distressed distraught and literally ill over this. 
I am in possession of letter from Chase citing my payments are current. 
But my home remains on foreclosure sale XX/XX/2018 This is outrageous stress that's been going on since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-14
Company: Experian Information Solutions Inc.
State: MS
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 the following dates, I wrote and sent letters to the 3 major bureaus ( TransUnion, XXXX, and XXXX ). I received no correspondence from XXXX or XXXX, but TransUnion did send me a stall letter, after the 30 days they are allowed by law, claiming they felt I did not right the previous letters but instead used a company to do so on my behalf. They have sent me this letter multiple times in which I have responded to them that I am the person sending the letters and have included my driver 's license with each letter. The other two bureaus, XXXX and XXXX, just have not responded to my claims, they have not corrected any inaccurate information on my credit reports, or provided me with any proof of accuracy. TransUnion hasn't corrected any errors or provided any proof of accuracies either. Please note the dates below that I have sent all 3 bureaus requesting to investigate negative/inaccurate information on my credit reports. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I will be sending them letters again today demanding they do what is legally required of them by law.

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 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 followed a link online for 'Free credit report and fico score ' from Transunion.com. There, I was presented with a 'trial ' offer and access to my scores. I created the account and was charged IMMEDIATELY in the amount of {$24.00}, BEFORE I WAS ABLE TO LOGIN TO MY ACCOUNT! So much for 'free trial. ' Then, I proceeded to attempt to view my FICO score. The site required an ADDITIONAL {$29.00} to view the FICO score! I contacted them by phone but was hung up on. I tried to contact them by email but the response was, " Message could not be delivered because the server is misconfigured. I contacted them again by phone and used the 'callback ' feature. They called me back and I asked for a refund. The operator stated that I would be receiving a refund. I don't trust them.

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 2023-01-06
Company: RIA FINANCIAL
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello this is a feature of my XXXX XXXX XXXX debit card that I am supposed to be able to use, but for some reason has never worked for me. I tried XXXX XXXX at XXXX powered by Ria multiple times, a feature of the XXXX XXXX, and it says that they are unable to approve the transaction for some reason. I tried for lesser amounts, XXXX, XXXX, XXXX, etc but all were " unable to be approved '' errors. This also happened today. I still don't understand why it doesn't work. I don't believe that I have reached any of the XXXXXXXX XXXX  described on the XXXXXXXX XXXX and my account has sufficient funds. This is very stressful and distressing to me and am having difficulty even getting to anywhere to try and purchase money orders somewhere, mail them, use a ATM machine and also have to deal with daily ATM limits and fees. I need to complete my important payment as soon as possible and for some reason nothing is working and am still having problems with everything. I have verified my identity with XXXX XXXX XXXX and attempted the XXXX XXXX feature many times in multiple browsers and devices. I attempted to do a bank transfer from my XXXX XXXX  with Ria, and it was declined and my account " locked for security purposes '' while waiting for the bank account verification deposits on my XXXX XXXX and I explained in the email this situation, but have not received any response yet. I have been having difficulties attempting to purchase money orders and getting any help at all from Ria or XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX XXXX  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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. My legal rights have been violated. I

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
It has come to my attention the CITI group is actively attempting to interfere with rights guaranteed by the Constitution ( 2nd Amendment ) by manipulating or denying service to certain entities or transactions that are protected by the Constitution. I do not expect CITI group, or any other financial institution to be controlling the nation 's activities through such unpatriotic and un-American behavior. I do expect CITI group to tend to the business of their business and stay out of the business of social tyranny.

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: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Dear sir, Today, on XX/XX/XXXX, I happened to check the credit card, which your company must have provided. In the morning on XX/XX/XXXX, I had found out the illegal usage on my previous bank credit card ( XXXX XXXX XXXX XXXX ) twice ; therefore, this credit card was closed immediately through your company website. I enclose the document, which has sent to Bureau of Consumer Protection on XX/XX/2023. When I opened the website this morning, I found out that there were several transactions on the closed account with XXXX purchases, which I dont recognize at all because there is no transaction history on my XXXX account side. I enclose all printouts of these illegal JP Morgan Chase Headquarters and the proof of XXXX non-existing transactions. While I checked all illegal transaction records on your company site, I realized the card ending number was different, which ending XXXX. Since I have not received my replacement credit card from your company and your company site indicated somebody used my supposed-to-be new credit card, I sincerely imply the possibility of thief of this card. I, also, enclose the proof I ordered my new usable card, which is usable safely, legally, and ethically by me. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03
Company: Army and Air Force Exchange Service
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My personnal information was used open an Exchange Military Star Card account on XXXX XX/XX/2020.

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 2023-10-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting 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.

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