BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, On XX/XX/XXXX, I replied to someone selling tickets for a concert in XXXX. I've uploaded the text messages below. I sent the recipient {$350.00} for a pair of tickets through Chase XXXX. The recipient notified me they were going to transfer the tickets through XXXX. However, they didn't follow through. I contacted Chase support about 3 minutes after the transfer to rollback the transaction. However, Chase notified me that I was out of luck and there's nothing they could do. They told me to notify the police and that there was nothing the could do. I called the local branch and they told me to call customer service XXXX number. I was told to go around in circles with nobody helping me. I'm frustrated and upset that they didn't do anything since I sent the money that is a Chase customer. They have this person 's information but told me they were not able to reverse the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Mountain Run Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Mountain Run committed fraud by attempting to collect from a debt they manufactured I was living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX Signed and initial my name on bogus contract.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Santander Consumer USA 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:
I am a victim of identity theft and all of my information was compromised including my social security number, my bank information and other sensitive information.I reached out to all three credit agencies such as XXXX and XXXX to have Fraudulent items removed such as Santander Consumer Usa, XXXX XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX in which I was not responsible for these items along with XXXX XXXX  and Also XXXX XXXX XXXX  XXXX XXXX which is a closed account that is still reporting that was fraud .According to the FCRA it is within my rights to have negative items removed in which I had no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Once again Amex tries to XXXX XXXX  theyre paying customers. I opened my AMEX XXXX  card XXXX XXXX XXXX The card had a welcome bonus of XXXX points after {$6000.00} spend in 6 months, and 10x the points for restaurant and small business purchases. Ive been tracking all of my points every month because I was scammed out of points before for my gold card. I even track the bonus spend by multiplying my purchases to check in the bonus points rewarded. I discovered that none of my XXXX orders which qualifies for restaurant bonus ( confirmed with 2 membership rewards customer service reps, and 2 membership rewards supervisors ) were being rewarded to my card. I called in early XXXX to file a claim and provided the agent with every XXXX transaction date and amount. The claim was closed without my points rewarded and no one can tell me why since it qualifies and I wasnt rewarded it. Ive been going back and fourth promised numerous callbacks I never received. I then tried calling back today to check on the status to be ran around in circles blindly transferred. Im owed over XXXX bonus points for my XXXX transactions since I got the card and Amex is refusing to honor their welcome bonus that was confirmed on numerous occasions I shouldve gotten my bonus points for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After pulling my credit report I noticed that XXXX, XXXX, and Experian have been acting in a trustee capacity without my consent. They have been furnishing my personal information with regards to my child on their credit reports which is a violation of my right to privacy. The file is named XXXX XXXX XXXX, the furnishing of this information is unfair to me because it was never verified by me or requested to be placed on my consumer report. They have failed to exercise any investigation and have instead contributed information to tarnish my reputation. 

I would like to know what reasonable procedures where used to ensure fairness and authenticity in this reporting. 

In addition, XXXX has allowed for my information to be shared with various companies without my consent or consideration, a few being : 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 Also, all location information I wish not to be furnished on my consumer reports. 

I would have to demansd that all items mentioned be removed and reporting be done in a lawful manner.

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 2021-05-12
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8100.00}, {$17000.00}, {$450.00}, {$28000.00}, {$10000.00}, {$19000.00}, {$7200.00}, {$13000.00}, {$30000.00}, {$19000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8100.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 


-- COLLECTION ACCOUNTS XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: ProCollect, Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, my name is XXXX XXXX my husband  XXXX XXXX and I have tried to reach out to PRO COLLECT INC. of XXXX Texas. For several weeks now to plead with them to remove our debt from collections in the form of phone calls, messages, and emails. We were unjust in our debt from the beginning it was a debt we never knew we had and when we found out we had it we paid it off instantly. We are both XXXX  XXXX veterans and are only asking for a chance to do right with our credit

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 2021-05-12
Company: Receivables Management Corporation
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: SYNCHRONY FINANCIAL
State: PA
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:
They are attempting a scam. They call me every day 4 times a say about a JCPenny Credit card feom Syncrony Bank. I have never been a customer at a JC Penny. I have told them they have the wrong phone number but do not ask for anyone by name. They have called 4 times a day since XX/XX/XXXX. I want harrassment charges filed.

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 2017-10-25
Company: Experian Information Solutions Inc.
State: MN
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 have tried to request a free credit report with Experian and I have attempted to freeze my credit with Experian. In both cases, their online system fails and requests that I send a physical request for the documents.

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 2022-03-30
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:
I've discovered that I am a victim of identity theft. XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX has fraudulent accounts being reported on my credit profile. These must be removed immediately, please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Collection Professionals, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
By not replying in a timely manner to my initial letter on XX/XX/2021, the company have not only violated federal and state laws, but also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Additionally, they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
JP Morgan Chase has conducted a hard inquiry against my credit and it is on my XXXX XXXX XXXX credit reports. I have no accounts with them have never applied for anything through them and they agree upon discussion with them. But they can not provide any details or do anything about the inquiry. In short, there may be a credit card out there which I have not applied for being used by someone not me. I have worked hard to have perfect credit. And this unauthorized inquiry is now on my report, and maybe worse in ongoing. It is boggling to me that they can just say sorry we have no record of this when it is clearly in their systems and there is a hard record of their inquiry. They even called me with a potential fraud alert ( no idea how they got my cell phone number ). That is the only reason I knew it was ongoing. 

Inquiry details : JPMCB CARD Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX DE, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24
Company: EQUIFAX, INC.
State: CA
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 was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Receivables Management Corporation
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: STATE FARM BANK, FSB
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by the law firm XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX regarding a debt owed to State Farm Bank for a credit card account from XXXX. The attorney I was in contact with used threatening tactics claiming I 'd be sued in XXXX for the account if I did n't immediately get on a payment plan to resolve the debt. After several emails back and forth and my mother offering to assist me pay the debt, we agreed on a settlement for the amount of XXXX and the debt would be considered settled and paid in full. I was told I could only communicate with this firm and not State Farm Bank but the payment would need to be addressed to State Farm Bank directly and not the firm since the law firm only represents their client but they do not have the debt directly in their offices. 

The debt was paid and settled in full per my agreement and any lawsuit pending against me dropped. I received a paid in full receipt from the law firm and the debt was considered resolved. In XXXX, I was notified by my credit monitoring services that the account was reported as paid and resolved and no longer negatively impacted my XXXX XXXX and reports. 

As of XXXX XXXX, XXXX, the account was reported with a zero balance. As of today, XXXX XXXX, XXXX, the account was reported as XXXX in the amount of XXXX. This is the same account that was originally collected on and paid/settled in full. I contacted State Farm Bank and they told me the account was resolved with no balance and they informed me they 'd send out proof for the account being resolved, however ; I received XXXX different credit alerts today and my score has changed due to a new account from State Farm Bank being reported as late, charged off and delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: EQUIFAX, INC.
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:
On XX/XX/XXXX, I file a police report with XXXX Police Department. I also file a report with the FTC in reference to the following accounts listed in this report. I was told by Equifax Credit reporting agencies that any information contain in the identity theft report would be block per Fair Credit Reporting Act. As it pertain to theft incident, however as I review my latest report with Equifax I notice the underlying accounts was removed and is now showing again as of XX/XX/XXXX. I am disappointed in how Equifax has handled my file. I am reaching out to the CFPB in order to finally clear my name. I do not deserve to have information that does not belong to me showing on my credit file fraudulently. I have been a victim of identity theft and deserve to be treated as such!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/19 the Vice President of Human Resources at work received a phone call stating that if I did not call them back today they would have me served either at home or at work. When I called the company back they didn't not give me the mini miranda disclosure they said that there was a pending case against me that included 3 charges. The lady on the phone said that I can be served and settle in court for a large amount. Or I can try and settle out of court but she didn't know if i would qualify for that. But in order to get my case out of pending trial I needed to make a payment that day. I did set up a payment and set up a reoccurring amount. When I asked if they would send me something stating we had a payment arrangement and my payment schedule they stated that the only communication they would send me would be when I finished paying off the amount and my account was paid in full, and in order to receive that letter I had to call them back and request it otherwise nothing would be sent. 

I called back on XX/XX/19 to see if there was any way I could set up lower payments because I would not have the funds available on the second withdraw do to my rent payment. They lady I spoke to today said there was nothing she could do to help me and i stated I'm willing to make payments to pay this back but after I pay rent I may not have enough to cover the payment she stated that if they processed the payment and it failed then they would proceed with court procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: TX
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:
Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXXXX/XX/XXXX according to FCRA ( 1970 ) 15 U.S.C 1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize. 15 U.S.C. 1681 section 602 A States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  according to FCRA ( 1970 ) 15 U.S.C 1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize. 15 U.S.C. 1681 section 602 A States I have the right to privacy.

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