BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: JPMORGAN CHASE & CO.
State: AE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX months ago, I moved from XXXX XXXX to XXXX on XXXX orders. Before I moved to XXXX XXXX, I lived in the XXXX, where I registered for a Chase Sapphire card back in XXXX. I have used this card since then in the XXXX, XXXX XXXX, XXXX, and XXXX. Last month, on XX/XX/XXXX, I bought XXXX tickets online for XXXX XXXX using this card, and Chase froze the card and did not let the purchase go through, despite being abroad in XXXX and XXXX for almost 2 years. I called their customer service to unlock the card, but it was stated that to verify my identity, I must have a XXXX phone number. I have not had a XXXX phone number since XXXX, and the one i have on file with Chase is currently a XXXX phone number. The customer service representatives would not allow another way to verify my identity and my account has been locked since. I tried calling again that day, and the customer service gave me the same response, saying that a representative will reach out to me in XXXX hours. I was never contacted by phone or email which are on file. I called again on XX/XX/XXXX, with the same responses. A representative still never reached out to me ever. I called again XXXX XXXX and was able to talk to the customer protection department, and despite answering alll of my security questions correctly, I was told I must have a XXXX phone number and a representative will reach out to me in XXXX hours. I asked to close the account, and I was told i was not allowed to since the account is locked. I was provided no other means, and the customer service hung up on me despite pleading for another way. It has been XXXX hours, after a month of trying, and Chase has locked me out of my credit card account with no way to use it or close it. I can not even use {$740.00} in travel points because i apparently must use my chase card to do so. 

I can provide all information on the account in order to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX XXXX please 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello, My name is XXXX XXXX. Im trying to solve the problem with my incorrect credit score for 4  months now but nothing was helpful. Here is the situation : I opened my credit card at Wells Fargo in XXXX and after 6 months of opening it I started to see my XXXX  score ( which was reported from XXXX ) on my Wells Fargo profile. When I opened the card I didnt have SSN, however, as soon as I obtained my ssn in XX/XX/XXXX I updated my personal information and added it to my Wells Fargo profile. After obtaining my ssn I also opened XXXX, XXXX, and XXXX accounts to see my credit score. However, neither of those agencies have my wells Fargo credit card on my profile. They only have one credit card from XXXX which was opened less than 6 months. XXXX doesnt even show my credit score and says that I dont have one however I see my score on my Wells Fargo profile . Whenever I want to apply for a loan or something related to the credit score I get denied either because they say I dont have one or my information wasnt recognized. I kept going and calling Wells Fargo to help me to solve this issue but they say they are already reporting everything needed to credit report agencies and when I tried to contact these agencies they say I should solve this issue with Wells Fargo and theres nothing they can do.

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 2022-01-13
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Union Bank sent closing letter not on letterhead and refused to return money for 2 boxes although they have tiny boxes do had to get 2. Since they are closing account should get refund.

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 2021-11-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
PORTFOLIO COMEN-XXXX PORTFOLIO RECOV ASSOC XXXX TODAYS DATE : XX/XX/XXXX PORTFOLIO COMEN-XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO COMEN-XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I was involuntarily laid off from XXXX XXXX on XX/XX/2019. I recently contacted Macy 's XXXX XXXX to inquire if I had credit protection benefits with my card. I was advised on XX/XX/XXXX that I did and given reference number XXXX. Rep stated that I should receive mail in 10-15 days for next steps ( where to send in information, etc ). I requested to receive by email and was told 3-5 days. I called again on XX/XX/XXXX and s/w XXXX and was given another reference number XXXX. I requested for a supervisor and was told none available and that someone would call me in 24-48 hours. I have yet to receive a call back. This rep could not locate any information from the previous rep. I called again XX/XX/XXXX and s/w supervisor XXXX who once again could not provide any information and stated that she would send request to resolution team. Today I receive a letter in the mail dated XX/XX/XXXX, stating " Dear customer, we are in receipt of your request regarding your recent inquiry and your request is currently under review. Please allow up tp 30 days to complete this review. We will contact you once our review is complete. 

When I called today, the rep transferred me again to XXXX who was unable to provide any information. 

I am getting the run around as if they not want me to utilize the benefit. No form to complete, no call back, no information from anyone on why it is taking so long to receive paperwork to initiate this process. Yet, I am still unemployed and required to continue to make payments while someone reviews my claim. However, as of today, no claim has been submitted because no one can tell me if /when I will receive it. This is very frustrating and stressful. I need help in getting this resolved. I am unable to continue making payments.

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 2021-01-30
Company: Experian Information Solutions Inc.
State: NC
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:
I am XXXX years old and had applied for a loan and was told about my credit, I was in very surprised and started trying to resolved this issuses

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 2023-12-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ( Kohls/Capone ) for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Kohls/ Capone ), can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Kohls/Capone ) , continues its collection efforts, I will file for litigation for actual damages caused and ( Kohls/Capone ) , shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act, FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
purchase appliances in home depot through home depot credit card on as 24 months interest free but forgot to payoff the balance within 24 months- Interest of entire purchased amount for 24 months was posted on account. 
Ending Balance was XXXX - posted for 24 months interest {$1100.00} with new Total - {$11000.00} on credit card statement. Try to call couple of time customer service but no use.

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 2021-05-21
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX is actively defrauding " investors '' and the unsuspecting public about an impending IPO by soliciting investors to buy shares of a company that has no intention of going public. This is ongoing - the website is still up and open to take money from folks of all walks of life, not just accredited investors with plenty of money and a high appetite for risk-taking. They'll take from anyone. I have contacted Chase bank to ask that they reverse this charge but they refused because they don't see this fraud since I offered my info over to the " company ''. XXXX XXXX accepted {$3300.00} from me in return for 300 shares at " $ XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I contacted them on XXXX XXXX, XXXX and XXXXXXXX XXXX  to provide to me the proper and original documents that I am legally responsible for the amount that they are trying to collect from me. I advised them to get back to me within 30 days and if they dont to remove the accounts off my credit report immediately. I did not give anyone written consent to pull my credit and they have failed to provide the proper documents to me within the 30 day guideline. I have disputed this same concern with XXXX, XXXX and TransUnion and all 3 credit reporting agencies have failed to provide me with the proper documents. 

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 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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Dear Sir/Madam, I have Fraudulent Hard Inquiries on my credit report. Someone applied to Financial Organizations in order to get some goods or benefits or funds, I didnt apply for it. I enclosed in this letter an FTC report for all mentioned fraudulent inquiries and the copy of my ID. Here is the list of Fraudulent Hard Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX It is my sworn statement that, 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of 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 INQUIRIES that are the result of the same type fraudulent activities. I must be noted that I did not apply for credit accounts with the below listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. 


Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

Please remove these inquires 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 explanation
Consumer complaint received 2023-08-13
Company: Experian Information Solutions Inc.
State: OH
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX CRA : Experian Address : XXXX XXXX XXXX XXXX, TX XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of { XX/XX/XXXX }, as listed on my most recently reviewed consumer report, several fraud/unauthorized are listed. 

As s reference, please see the below inquiries : XXXX XXXX XXXXXXXX XXXX  : Inquired on XX/XX/XXXX. 
XXXX XXXX : Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX  : XXXX on XX/XX/XXXX. 
XXXX XXXX : Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX. 
XXXXXXXX XXXX XXXX : Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX : Inquired on XX/XX/XXXX. 
XXXXXXXX XXXX XXXX  : Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX. 

I am, because of this notifying you that neither on those dates nor dates similar did I authorize any individual from the listed company to pull or review my report. Additionally, I have yet to permit Experian to provide consumers with this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately, my consumer and privacy rights are being violated. Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information please remove the inquiries mentioned above within 15 days of receiving this letter. 
You must report information accurately ; you are not doing that now. I look forward to Experian resolving this matter with this initial communication. Should you choose to be willfully neglectful regarding my file, I will file a dispute against you in small claims court seeking remedy for said violations. 
Warm Regards, XXXX, XXXX XXXX Without prejudice, all-natural inalienable rights are reserved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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 XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( XXXX ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers 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