BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, my cell phone and wallet were stolen, and my wallet contained my Chase debit card. This debit card, combined with the thief using my phone to respond " yes '' to fraud alerts, was used to rack up around {$10000.00} in purchases, which are quite obviously fraudulent since it does not at all match my pattern of behavior. These debit card purchases were not covered by Chase. My Chase credit cards were also used to make fraudulent purchases, although these WERE reverted. 

The purchases were were several large amounts at XXXX, " XXXX XXXX XXXX '', and several transfers to my XXXX account, which they had access to because it was installed on my phone without a password. I contacted XXXX within 24 hours, and they denied any responsibility or liability. 

I marked the debit card as stolen to chase and filed a report within 2 days. Chase responded to me on XX/XX/2023 stating the following : We found that the transaction ( s ) was processed according to the information you provided or was authorized. 
No adjustment will be made to your account at this time. 
Contact us if you would like to request the information we used for our research. 

When I contacted them, I was told that they would refuse to make any modifications, even if I presented a police report. I was also told by the XXXX Police Department that they wouldn't be investigating due to insufficient evidence provided by me, and I do not have the resources to perform an investigation myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: MA
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 2022-08-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In order to make sure I had a cushion to support my family, I took {$2700.00} out of my checking account and paid down my {$6000.00} balance ( also my limit ) on my credit card. I was hoping that this extra funds on this card would be able to pay for household expenses and be a backup in case I needed it. I had recently missed a payment due to having XXXX and as SOON as I make this payment ( and feel peace of mind that I have a backup source of money on a credit card ), Chase does a periodic " review '' and decreases my limit by {$2300.00} - almost the exact amount of my payment. Therefore, the money that I had put on this account was basically gone. I called and they seemed sympathetic, said the only thing they could do is review my credit bureau and make a decision over the phone and see if they can reinstate it. I received NO LETTER that they were decreasing it until after they did it. The lady asked me intensive questions on why my balances were high and I explained it was due to having hotels and food for my family while they had XXXX and then she denied it. 
Chase took my money and was extremely deceptive on decreasing my credit line to almost the exact amount of money that I paid it down after only one month being late ( when I have had this card for over 5 years ). 
This was so deceptive in their practices and if I would've never made that payment, they wouldn't have decreased my limit. 
Now I have to figure out how to support my family - thanks Chase. I will NEVER have a card with you again because you are SO deceptive in your practices and I hope you get a UDAAP violation for the way that you handled my account. I will NEVER ever work for you or have your card in my wallet because you are not understanding and don't care about the humans that support your company with their money. Take a lesson from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: TrueAccord Corp.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My account with XXXXXX/XX/XXXX was charged off in XX/XX/XXXX. Beginning in XX/XX/XXXX I began receiving email dunning from True Accord for the debt which had been sold to XXXX XXXX. A certified letter was sent to TrueAccord in XX/XX/XXXX disputing the debt and requesting verification of such debt. After having received the return receipt the collection attempts continued by email. On XX/XX/XXXX I sent notification about the dispute via reply email which is how their communications advised to contact them. That email is attached. Again on XX/XX/XXXX, and XX/XX/XXXX I received emails dunning for payment. Verification was never received and in accordance with the FDCPA further collection attempts can not be made until verification is complete. Ultimately TrueAccord never verified the debt and further transferred it to XX/XX/XXXX, XXXX, and XXXX in XX/XX/XXXXXXXX OK to legal action and a law suit was filed against me for the balance plus attorney fees, and court costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out. Per FCRA segment 605 Credit Bureaus are expected to BLOCK any records recorded on an ID THEFT REPORT # XXXXThe ITEMS I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on some ITEMS are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some ITEMS are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ). 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-06-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On X/X/17 I disputed with the credit bureau Equifax information on my report that was incorrect. The inquires that I disputed were not authorized by me and I wanted them off of my report. Inquires disputed were ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ). Equifax failed to remove the negative inquires that were on my report stating they were authorized. I contacted the original creditors listed but they failed to assist me and one of which is shut down ( XXXX XXXX XXXX ) do to fraudulent activity I could not contact. These inquires are hurting my report and I need them removed. I have a Fraud Alert placed on my report because of companies like these appearing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 account # XXXX XXXX, US Dept of Ed account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 1681 section 602 A States I have a 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 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 2022-08-16
Company: PNC Bank N.A.
State: FL
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:
Purchased XXXX  on XX/XX/XXXX from XXXX XXXX XXXX Financed with PNC bank. traded Vehicle in on XX/XX/XXXX with full pay off with trade in for New Vehicle. Vehicle was not paid off in a timely manner causing a 30 day late payment to show on my and my wifes credit report causing a decrease in score and higher interest rates for all financial needs such as but not limited to Mortgages, new car loans ect... 
I have disputed and provided signed contracts of the trade in but nothing has been fixed as it should be. 
I filed complaints for both XXXX XXXX XXXX as well as PNC bank. 
Disputed with all 3 credit reporting companies and nothing has been done yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: LDF Holdings, LLC
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent the attached letter to Lendumo on XX/XX/XXXX, & have not received any responses yet. I followed up with them again after XX/XX/XXXX, & still no response. 

ALSO I have received two letters from the CFPB stating that someone OTHER THAN ME appears to have submitted complaints in my name. 

NO ONE ELSE DID THIS! It was me, so please STOP deleting my cases! 

They are 100 % submitted by me, & only me. So Please stop assuming it was someone else, & Please address my complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
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 had my identification stolen and someone was able to take out a auto loan by credit acceptance in my name for years ago I tried to dispute it with XXXX by releasing a copy of a police report and XXXX and credit acceptance refused to take the car loan off 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 explanation
Consumer complaint received 2019-08-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian is reporting a fraudulent collection account on my credit report that does not belong to me. The following account is result of fraud : XXXX XXXX XXXX XXXX {$660.00} I reached out to XXXX collection agency who has completed their investigation and determined this account is fraudulent. They stated it can take up to 45 days to remove the account from my credit report.This is too long to have a fraudulent account reporting that is affecting my score drastically. Pursuant to section 605B of the FCRA, this fraudulent account should be removed within 4 days of receipt of notice.

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 2023-10-08
Company: Eastern Account Systems of Connecticut, Inc.
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX account systems XXXX  XX/XX/2023 date assigned XX/XX/2023 XXXX  acct# XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Santander has  been randomly adding to my principal balance. This month it went up over {$700.00} I have a credit tool that will show this now and Ive called them about it in the past.     I have had my vehicle over  three  years and the payoff amount is only ~ {$2000.00} under the original balance due. Please investigate this company this is not something that should be allowed.     This is a link for a large number of people with similar or the same issue with Santander   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: LJ Ross Associates
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 L J ROSS ASSOCIATES, placed a sent collection on my credit report without my written consent. The collection showed I owe the company {$220.00} for a service I never requested or signed any contract stating I would pay this amount. 
Based on federal law : 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 resulted from an alleged identity theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

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 2023-10-08
Company: United Accounts, Inc.
State: ND
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
WE rented at XXXX property apartment in XXXX XXXX. We paid all our rents for the time live in the property. They illegally kick us out without pro notice at the mid of winter. They just sent us a bill that we should pay, {$3400.00}. That we most pay it or they will give it to debt collectors.The debt collectors are now writing to us to pay. we dont know how this amount or debt came about.We hear this is what they have being doing to all XXXX who have being renting that said apartments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: OR
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:
While XXXX in the Service of the United States XXXX as an XXXX XXXX my vehicle was in storage on XXXX XXXX in Florida. XXXXXXXX XXXX XXXX XXXX who at the time had a contract to perform wrecker services at XXXX XXXX went onto the base and stole my vehicle from the base 's storage lot. 

UNITED STATES XXXX XXXX XXXX XXXX OF FLORIDA XXXX DIVISION Case No. : XXXX XXXX XXXX, XXXX XXXX v. 
XXXX XXXX XXXX  XXXX, Defendant. 

This case was processed under the Service Members Civil Relief Act ( SCRA ) and the plaintiff ( myself ) won the case ( Vehicle was stolen in XXXX and amended final judgement entered on XX/XX/XXXX ). XXXX XXXX XXXX XXXX closed their business to avoid paying out the court ordered judgement and to avoid being held accountable to XXXX as it related to them acquiring the vehicle and hiding this from XXXX by requesting a new title for the vehicle. Both myself and my legal representation informed XXXX of the case as it progressed and XXXX made no reasonable effort to aid or to do their own due diligence to protect their investment and their vehicle, by their own laziness and ineptitude they pinned the loss of the vehicle on me and " washed their hands of it '' to avoid the effort that would have been required for them to protect their vehicle and their consumer. 

This case can be found with an online search of the case number.

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 2020-01-22
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Some time prior toXX/XX/XXXX, I reached out to Wells Fargo to inquire about why my mortgage was not being reported to the credit bureau. Because I had been in a bankruptcy, they stated the loan needed to be reaffirmed ( which speaking to an attorney, that was not accurate because we completed a loan modification prior to my Chpt XXXX being converted to a XXXX ). At any rate, the suggested if I refinance, then it would be reported. I said ok. They started the application process XX/XX/12. I paid for my credit to be pulled, only for them to tell me I didn't qualify because of my bankruptcy and another factor. That doesn't make any sense. It impacted my credit file and cost me and now we're back to the original question ... WHY IS MY MORTGAGE NOT BEING REPORTED? I want this resolved and my money back.

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 2023-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital one closed my accounts on XX/XX/XXXX without any prior notification or communication. I paid my accounts on XX/XX/XXXX but unknown to me the accounts were already being closed. I called capital one on XX/XX/XXXX and this is when they informed me that my accounts are closed due to excessive misuse of the card. To my knowledge, my payments were always scheduled, sometimes in advance, to cover majority of my balance. I asked if they sent any communication on this closure and I was informed they sent a letter out on XX/XX/XXXX which means it wouldnt have been received for another few days or so. The lack of communication is going to result in damaged credit on my behalf due to these accounts being my longest standing accounts. I have no communication from capital one to be able to attach to this inquiry because I have not received any.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that MERCHANT AND PROFESSIONALS would verify the debt. So I took it upon myself to ask MERCHANT AND PROFESSIONALS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation