BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 non-monetary relief
Consumer complaint received 2023-04-10
Company: JPMORGAN CHASE & CO.
State: WA
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:
This is regarding a charge for a purchase that the shipping carrier returned to the sender, the merchant, and the merchant ( XXXX ) has signed for the delivery indicating it has received the returned package that correlates to my original order tracking number, charged to my Chase credit card ending in XXXX. 

I purchased 2 items from XXXX on XX/XX/2023 and was charged {$5800.00}. XXXX shipped me this order ( Order Number XXXX ) using XXXX ( XXXX  tracking XXXX ). I disputed the charge because the XXXX  tracking clearly shows that the items were returned to sender using the XXXX carrier the merchant chose to ship the item with, and was delivered back to XXXX warehouse signed by XXXX on XX/XX/XXXX. Chase decided in favor of the merchant XXXX because they supposedly provided an XXXX  proof of delivery on stating the items were delivered on XX/XX/XXXX. But I provided XXXX  proof of delivery for the same tracking number showing it was returned to sender and delivered ( signed and received by XXXX ) at their warehouse of shipment origin on XX/XX/XXXX. The XXXX  proof of delivery showing the items are returned to the sender showing delivery back at the merchants warehouse AFTER the proof of delivery XXXX provided should trump what XXXX provided becusee XX/XX/XXXX is AFTER XX/XX/XXXX, and the tracking shows the items were being returned to sender on XX/XX/XXXX, so obviously I as the consumer should not be responsible for any error on the part of the merchant or their shipment carrier where they returned the items back to the merchant and received them. I as the consumer should not be held responsible to pay any order where the items were returned to sender and XXXX clearly received them back after XX/XX/XXXX, because the XXXX  tracking clearly shows XXXX received the items returned to sender on XX/XX/XXXX. XXXX tracking XXXX. I am owed my money back and XXXX promised to send me replacements but then canceled that and refused to refund me for the items that were returned to sender. Chase somehow is neglecting basic carrier tracking information showing it was delivered returned to sender signed by XXXX on XX/XX/XXXX. I no longer have the items and the merchant has them. The consumer should not be held responsible for any items that were returned to sender, the merchant XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: LFG Data Services Holdings, LP
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Lci/XXXX is reporting 3 bankruptcies that have been verified by XXXXXXXX XXXX i do not have

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Southwest Credit Systems, L.P.
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: Reporting company used your report improperly

Complaint:
The complaint is with Southwest Credit Syste. They are garnishing a XXXX dollar debt on XXXX, XXXX, and XXXX. After receiving my cease and desist they have still contacted me multiple times and have negatively impacted my consumer report which further impacted my life. The account was opened XX/XX/2021. Southwest Credit Syste who is based out of XXXX, Texas have broken many laws under 15 USC 1692. And continue to break them with no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX reported on my credit an account opened XX/XX/22 for the amount of XXXX. This account DOES NOT BELONG TO ME. Please remove 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 non-monetary relief
Consumer complaint received 2022-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I had a hard inquiry placed on my account for a Capital one credit card, on XX/XX/2022 and it has continously lowered my credit score. 
I DID NOT APPLY FOR THIS CARD AT ANY POINT IN TIME I don't even understand how to apply for one, or what it could do to my score. 
I've been working my behind off trying to get my score to where it needs to be, and all this " hard inquiry for a capital one credit card '', has done is makes things worse and very stressful. 
I HAVE NOT AND DO NOT KNOW HOW TO EVEN APPLY FOR A CARD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 non-monetary relief
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter dated XX/XX/XXXX on XX/XX/XXXX. Webster Bank told me in the letter that they were closing my account as of XX/XX/XXXX " due to information received XXXX. XXXX  did not make the decision to deny your account application and is unable to provide you with the specific reasons why this decision was made. '' They provided me a number to call XXXX  but when I called XXXX  to ask why my account was closed, XXXX  told me to could not provide that information. When I called Webster customer service, they told that I would need to contact XXXX  myself but I told them I already have and had already received a report from XXXX. I could not find any reason why my account would be closed from the report. They told me someone from their Fraud and Loss Management Department would call me about my account. 

I'm confused why my account is being closed. I'm very concerned that they're closing my account because they do not want to pay out the {$250.00} checking account bonus offer that they sent me in the mail in XXXX. I still have the postcard for the account bonus mailer. I have already completed all their requirements for this promotion. Their terms say : " Promotion valid for new checking accounts opened by XX/XX/XXXX. Customer must qualify for account and reside in NY, MA, or CT at time of account opening and promotion payout. Customer must have direct deposit of {$500.00} or more ( direct deposits are limited to payroll, Social Security, pension, or government benefits, person-to-person transactions like XXXX or XXXX are excluded ) between account opening and XX/XX/XXXX. OR Customer must have an average account balance of at least {$10000.00} for Premier Checking or {$1000.00} for Value Checking XX/XX/XXXX to XX/XX/XXXX. Customer must not have had an open Webster checking account since XX/XX/XXXX. At time of payment, account must have a positive balance and not be in the process of closing. Funds will be transferred into it by XX/XX/XXXX and will be reported by the IRS ; customer is responsible for any applicable taxes. Present this postcard to receive the offer. Offer is exclusive, nontransferable, and can not be combined ; one per household. Ask a banker for details. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-14
Company: Foris DAX, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I was testing out Crypto.com and put money in my XXXX XXXX. I treated successfully and tried to withdraw. Couldnt do it ask for help trying to follow those tips ask for help asked for help again was taking weeks finalization do you have to pay a fee 35 % of the money I have in there cause I havent used it in a week or two. And now theyre saying that to pay that fee on Exchange which I can not because it says its not available to me so Im out {$3000.00}. They wouldnt help me long enough and now the exchange doesnt work to pay the fee so they have my money and theyre not giving it back. Thats not fair thats not nice and it seems shady..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many inquiries to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: NV
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:
Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My Chase Visa was compromised on XX/XX/XXXX and XXXX by an unknown individual. 13 fraudulent charges were issued on my account : XX/XX/XXXX XXXX XXXX  XXXX FL XXXX XXXX  XXXX FL Shopping {$380.00} See details about this transaction XX/XX/XXXX XXXX XXXX  XXXX - XXXX  XXXX  XXXX XXXX  XXXX - XXXX  XXXX  Shopping {$100.00} See details about this transaction XX/XX/XXXX XXXX # XXXX XXXX # XXXX Groceries {$290.00} See details about this transaction XX/XX/XXXX XXXX  XXXX XXXX  XXXX Shopping {$86.00} See details about this transaction XX/XX/XXXX XXXX # XXXX XXXX # XXXX Groceries {$42.00} See details about this transaction XX/XX/XXXX XXXX XXXX XXXX XXXX Shopping {$160.00} See details about this transaction XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shopping {$210.00} See details about this transaction XX/XX/XXXX XXXX XXXX  XXXX   XXXX XXXX  XXXX  Shopping {$500.00} See details about this transaction XX/XX/XXXX XXXX # XXXX XXXX # XXXX Shopping {$95.00} See details about this transaction XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Shopping {$150.00} See details about this transaction XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shopping {$400.00} See details about this transaction XX/XX/XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX Shopping {$190.00} See details about this transaction XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Gas {$35.00} My identity was stolen in late XXXX XXXX of XXXX. When these charges occurred, I had an open police case. I filled out a supplemental police report online and informed the Sheriff 's Office that my Chase Visa had been fraudulently used. 

I immediately disputed the charges with Chase and they were removed. I did not use my Chase Visa at any of the above locations. On XXXX ( XX/XX/XXXX ), I was at XXXX. The day after XXXX I was at the XXXX XXXX. I was with my sister, her husband, my niece, my child, and my husband at the time these fraudulent charges were occurring. I can provide their contact information, if necessary to verify this. 

Around the time these charges occurred, Chase was receiving calls from a person pretending to be me. Chase should have a record of a person calling in from XXXX around the time these charges occurred and attempting to get information about my account Chase removed the charges on XX/XX/XXXX. Then on XX/XX/XXXX Chase reposted all of the charges to my account. I called Chase and they are insisting that I must have made these charges because my card has a chip reader. I did not make any of these charges, but all charges have been reposted to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report and letters dated XX/XX/2022. Since it is a necessity by regulation 605b of the FCRA I'm sending again this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs to be disputed/deleted in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXXXXXX Balance -, XXXXXXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13
Company: JPMORGAN CHASE & CO.
State: LA
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 already reached out to the credit bureaus and to JPMCB - CARD SERVICES and notify them of their error posting for this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Amsher Collection Services, Inc.
State: GA
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:
What happened? : I had a pre-approval for a home loan through the GA XXXX XXXX but my realtor refused to show me houses in certain neighborhoods and the loans office would not submit my application to the GA XXXX XXXX even though I completed everything asked of me to qualify the loan officer told me by letter and email to complete actions that caused my credit score to drop below the guidelines. I sent him proof of me completing the requested actions and he then denied my loan and never submitted the application to the  GAXXXX XXXX for down payment assistance for XXXX workers and low income families. He did not offer me all available options. And sold my information cause my social security number And credit report to be leaked on the dark web. 


When did the last act of discrimination occur? : XX/XX/2020

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Hello- I would like to lodge a complaint about this credit company - I bought a pair of boots for approx {$65.00} - it was with XXXX and it was a new store so I filled out an application for a new account with all of my personal information - email address, phone number etc. I was approved and bought the boots. 
Then we moved - all of our creditors bills were sent to the new address and everything was paid on time. Except with this company. 
The parent company if XXXX XXXX  and I have other accounts with this XXXX  XXXX XXXX XXXX - so they have many ways to contact me. However, I never received a bill from XXXX. 
Because I never received a bill, XXXX started to add on interest charges and two years later I receive a letter from Midland Credit that I now owe {$180.00}. 
I have tried to negotiate a more reasonable amount like {$75.00} or whatever but this is highway robbery and it is unethical. If it has happened to me then it has probably happened to others - I am XXXX years old and this may be happening to many XXXX  in our country. 

I would like to find a resolution to this matter. Please help. 

XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX

Company response to consumer: Closed with explanation