BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-08
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME ALMOST IMPOSSIBLE FOR ME TO ACQUIRE NEW CREDIT AS A RESULT OF THIS.I 'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2021-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
On XXXX I initiated a CFPB complaint ( XXXX ) against the Bank of America concerning what appears to be 2 fraudulent charges against my credit card via XXXX. On XX/XX/XXXX I received BOA 's response which is logically inconsistent, and does not appear to close the loop on the matter. I received correspondence from BOA and discussed the matter with a BOA Resolution Specialist. CFPB closed the case, however, based on the BOA 's response, I am lodging a new complaint. 

On XXXX/XXXX/XXXX two separate charges were submitted to my account in the amount of {$61.00} and {$66.00} from the merchant XXXX XXXX. These charges were disputed, and were refunded. Subsequently, based on information submitted by the vendor, the refund of {$61.00} was rescinded. 
( 1 ) The first question which begs explanation : of the two charges submitted by XXXX XXXX on the same day, why did the BOA agree that one charge was fraudulent but the other not?

( 2 ) I was informed by the BOA that their claims department determined that the {$61.00} charge was for " online guitar lessons. '' I have no recollection of these lessons, and for my sake and the BOA 's, these " lessons '' should be verified. Despite all the documentation concerning these charges available to BOA, it is unable or unwilling to provide me the precise name of the merchant who alleges these services for which he/she was paid. I have no recollection of purchasing this service, and would like verification from the vendor the nature of the service I allegedly received. 

( 3 ) The response letter from BOA dated XX/XX/XXXX details that the transactions submitted from XXXX were from the merchant, " XXXX. '' Of concerning this merchant name does not appear on my BOA Visa Billing Statements or XXXX statement. The merchant recorded on these statements is, " XXXX XXXX. '' This is inconsistent and incongruous. Why? 

( 4 ) I was advised by the BOA resolution specialist to call XXXX for more information about the vendor. I did so, and was told that they could not ( or would not ) offer more specific demographic information about the merchant. 

It is inconceivable to me, the consumer, that BOA acting on my behalf with XXXX, can approve transactions for which I am eventually liable, without the ability or responsibility to provide me with the name of the merchant to whom I am eventually beholden. 

Thanks for reopening this 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 monetary relief
Consumer complaint received 2020-06-26
Company: Westlake Services, LLC
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: Information belongs to someone else

Complaint:
I have never applied for credit with Westlake. Someone at the XXXX XXXX store stole my identity and processed a application for credit without my consent. I have never done business with XXXX XXXX nor did I apply for credit on XXXX. In accordance with the law Westlake has a legal obligation to remove this once they were notified that this transaction was fraud. You have copy of the police report verifying that my identity was stolen. Moving forward I am giving Westlake 7 days to remove all inquiries from my credit report or I will file a lawsuit against Westlake. Once you were notified that my credit was being used without my permission you had a legal obligation to remove it. Remove it now or I will see you in court.Your company is violation FCRA and I will not stop until this is handled correctly.

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 2020-05-05
Company: JPMORGAN CHASE & CO.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have requested for Chase to do a chargeback from the recipient bank due to fraud/scam. It was for {$1900.00} on XX/XX/2020. I already talked to a XXXX representative and they are working on shutting the owner of the recipient account down because of the illegal use of the account. And they said that a Chargeback is what needs to be done by my bank CHASE to the recipient bank because of the fraud and yet NO ONE IS DOING ANYTHING BUT DENYING ME. An effort wasn't even applied to start the Chargeback process. I have been going back and forth for 3 weeks and NO RESULTS. I have been with Chase for awhile and never had any problems. And now I'm being denied something that YA 'LL ARE VERY CAPABLE OF DOING. A chargeback from the recipient bank, not a refund provided by Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: EQUIFAX, 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 not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -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 2021-05-06
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I placed a dispute with chime ( XXXX ) on XX/XX/XXXX. I gave paperwork and evidence by XX/XX/XXXX. A week later i was told i didnt qualify for provisional credit. 
From my understanding the law is 30 days. It has been beyond that. First it was 30, then 90 days. This isnt the first time, they never have any answers updates or resolution for any issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent in letters over 30 days ago and still have not heard back from the credit bureaus this is a violation of the FCRA this is unacceptable please remove the negative items from my report at once XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Equifax website, where I submitted a dispute, is constantly down. I am unable to check status, get verified. In short, I am unable to proceed in removing an incorrect negative impact to my credit. 
At this time, as more than 30 days have past I request removal of the negative impact, per law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
AE ( American Exp ) have closed 4 credit cards I had altogether without a legitimate reason. They sent me notice in mail stating that " it was no being used for its intended purpose. When I called ( twice on XX/XX/XXXX andXX/XX/XXXX ) and asked what it meant by " not used for intended purpose, both representatives said that the cancellation was a result of business decision. When I asked to clarify that, they said they have no more info than that and no one will be able to provide me with further info. They said I can write a letter to their CEO but it won't be helpful. I have a good credit score and always pay the credit card payment on time. One of the cards I have been used for years. There are two cards that I have for a few months and just paid membership fee. I have tens of thousands bonus point on a card that I lost as cancellation of card. I have financial loss as a result of AE cancellation without a clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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 to the fair credit act Credit Acceptance account number XXXX, has been 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 of consumer reporting agency can not furnish an account without my written consent

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 2017-11-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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: Problem with personal statement of dispute

Complaint:
I was divorced in XX/XX/2015 and as part of the decree, my ex-spouse was 'awarded ' a credit card balance and account ownership of a closed credit card. While I was originally the primary and sole credit card holder upon initial opening ( I did n't yet know my ex-husband ), legally the debt and account have been updated to be his sole responsibility. However, USAA ( my credit card company ) is unable to legally remove me from the account. I have opened a dispute with XXXX to have the account removed as it is the highest credit impact on my credit score and they have stated they are not able to remove accounts individuals " own ''. Legally, I no longer own the account and can not get the credit reporting company nor my bank to remove me as owner. My ex-spouse has a large amount of debt on top of what he owes on this particular credit card, and as it is not legally my responsibility, I would appreciate the immediate removal from my credit reporting effective the date of divorce.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Experian Information Solutions Inc.
State: IL
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: Problem getting your free annual credit report

Complaint:
I am having challenges getting a hold of anybody at Experian to check my credit report and place a freeze on my account. I am continually directed to call their number due to not being able to process my request online. However, when I call there is no option to speak to a person and I am then directed to go to the website to create an account. 

I use XXXX, however they can not access the reports and fraud alerts from Experian either. I need to gain access to my credit history and place fraud alerts/freezes on my accounts.

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 2021-05-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$15000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
On XX/XX/21 I used Capital One services online, with the assistance of one of their representatives guiding me, to purchase a cashiers check. It was supposed to arrive by XX/XX/21 to its destination. The check did not arrive and I contacted both Capital One and XXXX XXXX to see why the check was still in transit. After about a week, It was determined by XXXX XXXX that the package containing my Cashiers check was in fact lost. It had been sent to a warehouse where packages with damaged labels go, so the package had to get opened to be logged into the system. The package was never logged in, so it was assumed from that point that the check could have been stolen. XXXX XXXX promptly sent me a letter confirming what occurred and requested I immediately stop payment on the check. I submitted an affidavit along with the letter from XXXX XXXX to Capital one. I spoke to a representative that told me they would escalate this, because it could potentially turn into a fraud situation, and to call back to confirm the affidavit was processed. When I called back, I was told that I had to wait 95 days for them to do research and make sure the check was in fact lost before they can give me back my money. Today, I was told it wasn't even a guarantee and that they would do anything for 95 days. or that the money would be returned. In the meantime, I am missing a lot of money and now have to pay more interest to the company that was supposed to receive the payment, because I don't have the money to get another certified check, until the bank releases the money to me again. They have all the information they need, and know the check is lost, but will not give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The collection agency XXXX XXXX has contacted me regarding a debt. I spoke with XXXX XXXX, and made a monthly payment arrangement to pay the debt in full. He refused to administer the payments on the date I informed him was necessary. The date of the draft is specific because my husband is a XXXX XXXX veteran who is receiving Veteran 's Affairs XXXX Compensation,  this limits our budget severely. The payments would not go through until the first of the month and they continued to draft them on the last day of the month resulting in a missed payment. They were unwilling to negotiate a better solution. XXXX XXXX then threatened legal action to scare us into payment. There were multiple occasions that after the payment would fair on the last day of the month he would call my place of employment multiple times and notify them of my debt. Then recently on XX/XX/2019 he contacted my mother directly on a phone line that is unlisted to notify her of my debt and obligation to pay. He has been harassing and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Friday, XX/XX/2019 I notified Chase of two fraudulent charges of {$400.00} ( {$800.00} total ). I was attempting to purchase concert tickets and was scammed, no tickets were received. I notified Chase within an hour of the fraudulent charges taking place and they started the process of fraud investigation. I was given temporary credits for the charges until they could investigate the charges. 

On XX/XX/2019 I was notified by mail that the credits were being reversed and that the bank had concluded it's investigation - they believe that the charges were not fraudulent. During their investigation they did not reach out to me at any time for any information regarding the transactions or ask for any proof from me. I had text and email correspondence showing that I did not receive the goods ( concert tickets ) and that this was clearly a scam. I asked for more information ( what evidence caused them to make this decision ) and they said that they would send it by postal mail. 

On XX/XX/2019 I received the evidence in the mail and the reasoning for declining the dispute was " compelling evidence '' that I had received the goods/services as part of the transaction. Chase stated that there was documentation to prove that the cardholder was in possession of the merchandise. For which I have evidence to prove the opposite ( which was not even considered during the investigation ). The summary stated that I needed to reach out to the recipient directly if I wanted to get my funds returned. 

Chase clearly states in their terms that they will protect against fraudulent charges. Upon trying to contact them further they simply state that they can't do anything further and that the investigation is closed. I don't know what to do and am very upset with this result. I feel that if they acted swiftly to stop or reverse the transaction immediately when notified then this could have been avoided completely.

Information on the claim : Claim Number : XXXX Card Ending in : XXXX Account Ending in : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND 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 2023-08-02
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under XXXX Outsourcing and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do i believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me.Please strike and remove this account from all 3 credit bureaus until adequate validation has ben received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: EQUIFAX, INC.
State: CO
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 sent a letter detailing that I am a victim of fraud and also have called Equifax on numerous occasions trying to get a resolution. Every time I explain that I am asking them to block fraudulent information on my credit report but after a dispute is initiated their response is " the original creditor has confirmed the account ''. I sent in a police report, FTC Identity theft report, FTC affidavit and supporting documentation stating that I lived no where near where the fraud took place. I also used the letter template on the FTC site on how to request a block. Still I am met with the same response and am told that Equifax doesn't investigate the issue but rather sends it to the debt collection agency to investigate. The collection agency obviously does not want to give up the account so they always confirm the Account. 

If every Consumer Reporting Agency did this I guess I wouldn't have an argument, but XXXX and XXXX have already complied with my request and removed the fraudulent information. This implies that they were actively making the effort to investigate the matter and also reflects poorly on the diligence and concern of Equifax.

Company response to consumer: Closed with explanation