BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-19
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have reached out to Chase and set up a Virtual Meeting with them and no one from the bank actually called. I emailed the person twice and no one responded to me. XXXX XXXX at XXXX was supposed to call for virtual visit. I called and emailed the person two different times and no one responded. 

I filed a complaint with Chase Online with a complaint number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
i have not been able to open an account with any banks due to inaccurate fraud statements from 2017 reported from XXXX XXXX XXXX, im a victim of fraud my identity was stolen since the year of 2017 as a XXXX year old looking to start a business i need an bank account and fraud identity that was stolen from my old bank JPchase bank is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: EQUIFAX, INC.
State: NY
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:
I am writing to dispute an inquire fraudulently pulled in my name. I am a victim of identity theft and did not authorize this inquire .I am not responsible for any charges made to this account if any if open. 
Please delete this inquire immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent request that provide proof I applied for this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: EQUIFAX, INC.
State: PA
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:
Ive wrote several certified letters to the creditor and credit bureau and told them this was not me. I asked them to provide me a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. Theyve failed to provide me with a copy of any alleged contract bearing my signature. 

The collection is as follows : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: DISCOVER BANK
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:
My personal information was stolen and used to open several fraudulent accounts. I was not aware of these fraudulent accounts until given my credit report after trying to apply for an auto loan. I have reached out to all companies as well as credit bureaus, I have also filed a report with my local PD as well as submitting and ID theft affidavit with the FTC. The credit bureaus have refused to remove these fraudulent account that are showing on my credit reports. These accounts were not authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
XX/XX/XXXX I was contacted via email by a scammer who presented himself as an employee of XXXX XXXX XXXX.

He received my resume from XXXX and wanted me to work as his assistant and accounts receivable manager.

Once hired I received my first payment on XX/XX/XXXX and I deposited the funds. They were on hold for 2 days and once navy federal cleared them I went to the branch. At the branch before my withdrawal I asked the teller please make sure the funds have cleared all the way on the other banks end ( XXXX XXXX XXXX ). She came back after 30-40 mins and stated the check was good and cleared with the bank.

I withdraw the funds and head over to XXXX XXXX to deposit the funds into a XXXX XXXX account. I thought I was paying for my training and equipment..

2 days later I'm slapped with a {$3400.00} balance from this bad check I was told was good.

Navy federal refuses to provide me with a HOLD HARMLESS to settle the balance although I have a police report number and complaints with the FBI, XXXX XXXX, etc. I have provided them with the police number etc.

They should be protecting me. I'm a victim. I contacted the XXXX XXXX ( XXXX ) and they said their is a open investigation in the company because this guy is moving around the United States scamming people. He's been in XXXX, XXXX etc.

NAVY FEDERAL needs to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions 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:
In Accordance with the fair Credit Reporting act XX/XX/XXXX Account number XXXX XXXX XXXX and Account number XXXX XXXX has violated my rights 15 U.S.C section 602A. States I have right to privacy. 15.U.S.C.A section 2 : it also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2018-10-04
Company: ERC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
ERC ONCE AGAIN WENT ON MY CREDIT REPORTS WITH OUT VALIDATION AND NOW MUST CEASE AND DESIST COLLECTIONS. XXXX HIRED MR TO HELP! 
SEE ATTACHED 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 2018-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX  isnt doing nothing just collecting all my disputes trans union is not even letting me look at credit i need to monitor my credit b/c of hacking and ID theft victim

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 2018-09-18
Company: Byrider Franchising, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
JD byrider/XXXX is the financing group, I paid on time every time without issue, they offer insurance on their vehicles which I paid on time every payment. My issue is I got into an accident and they received the money via the insurance for a car that has a median value at XXXX with the highest amt on XXXX at XXXX, they received a payout of see below : On Mon, XX/XX/2018, XXXX XXXX XXXX XXXX XXXX wrote : I am sorry that you feel that way, but the arrangement was for XXXX to make the first payment on XX/XX/2018 for {$190.00} while the claim was in process, since we both knew that there was going to be a deficiency balance after the insurance payment and sometimes insurance claims take a bit longer to get resolved. 

Here is the break down on how the insurance, Interest and tow fees payments were applied. 

Payment Interest Principal Balance {$7800.00} as of XX/XX/2018 interest accrued from XX/XX/2018 to XX/XX/2018 is {$100.00}. 

XX/XX/2018 Ins. check {$4000.00} {$100.00} {$3900.00} {$3900.00} Tow fee XX/XX/2018 2nd Ins check {$620.00} {$66.00} {$550.00} {$3300.00} Please contact XXXX XXXX at XXXX as soon as possible in order to avoid any further action. 

If you have any questions please contact me at XXXX. 

Thank you. 

XXXX XXXX JD Byrider They also put me in repo at XXXX owed and the car was not repod it was totaled out with the insurance pay out, which cause my score to go down by XXXX points. I believe this is unfair as they received money from the insurance for their product. They ruined my credit claiming repo for a vehicle they did not reposses. They have knocked on our neighbors door and continuallyn knocked for 2 days staright on the XX/XX/XXXX and XX/XX/XXXX and threatened to put it on my credit if I didn't give their collector the money on the XX/XX/XXXX 

I have read many complaint reviews online of this tactic to other consumers. 

Please advise as this is not fair to people who have maintained a good pymnt record. 

I could even get my car repaired as they wanted the pymnt for the previous tow before my front alignment and front end can be fixed, I felt this was probably the cause of the accident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: CBC Companies, 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: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a refinance loan on a property with XXXX XXXX in XX/XX/2020. My credit report was pulled for the first time with my consent in XXXX. Three months later, due to completely unprofessional conduct in regards to proceeding with my loan application ( Covid slowed the process down by a bit, but not to the extent that mine was delayed ), the credit inquiry was close to expiring. On XX/XX/XXXX, I emailed the loan officer specifically about making sure my credit is not pulled a second time, and I was assured it wouldn't be. On XX/XX/XXXX it was pulled via XXXX XXXX a second time, this was without my consent. Since XX/XX/XXXX, I've repeatedly requested to XXXX that this inquiry be removed from my credit report. They have not done so. ( At five months into the process on XX/XX/XXXX, I had no choice but to move on to a different lender, since XXXX still could not get to the point of closing the loan at the agreed rate and closing costs that I signed off on in XXXX, and it was clear that proper and respectful customer service was not a concern for them. ) Since it was pulled again in XXXX, my credit score has dropped 20-plus points due to that new inquiry. I was told by XXXX at the beginning of XXXX it would take 10 business days to remove. It's been over 50 business days, and after having yet another conversation with XXXX about it, it was clear it is not a priority to get it resolved, at my expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received several alerts through XXXX XXXX XXXX a credit monitoring service back in early XX/XX/XXXX. XXXX credit alert notified me and advised me that a new account had been added to my credit reports from IC Systems. The only thing that IC systems listed was their name & address. However, the account information read N/A. If I had not of received an alert from the credit bureau ( s ), I would have never become aware of IC Systems adding a collection account to my credit. One year prior, I had also found out from the credit bureaus that IC systems had been pulling my credit reports and leaving credit pulling inquiries on my credit reports. In XXXX, I reached out to IC Systems certified mail regarding the Illegal and unauthorized credit pulling inquiries. However, the company never responded. In XX/XX/XXXX ; I reached out to IC Systems twice Certified Mail with dispute letters regarding the account that they had added. However, after IC systems signed & received my dispute letters sent certified mail, the company failed to respond. Instead, they intentionally and deliberately updated the same account with the credit bureaus. IC Systems even updated the same account 3 times with XXXX within a one month time span. While their illegal, unethical deceptive practices, continued, I contacted the collection agency certified mail. However, no resolution or attempts to resolve their illegal tactics was ever performed. IC Systems failed to notify me prior to adding their account on my credit reports, and once I found out about their added account from XXXX credit alert, the company then purposely updated and added the disputed account 3 times back to back on my XXXX as a knowingly spiteful method as they continued to fail at responding to my dispute letters. Recently around XX/XX/XXXX ; I received a letter in the mail from IC Systems dated for XX/XX/XXXX. The letter which was sent way after the legal limit of the 5 days of receipt that the FTC and FDCPA outlines, was a balance letter that requested payment with a copy of a bill. After IC Systems has been pulling my credit for a whole year, failed to respond to my dispute regarding more information on their unauthorized credit pulls, the company then waits a whole year to illegally add an account numerous times to my consumer credit reports all while failing to notify me. This is illegal. Their actions are deceptive. They have now finally sent a payment letter due to numerous FTC complaints filed against IC systems for their failure to respond back to multiple dispute letters received by them certified mail, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX mailed XXXX XX/XX/XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. They have still failed at acknowledging any of my disputes. FTC XXXX # 's 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 explanation
Consumer complaint received 2021-01-29
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: Old information reappears or never goes away

Complaint:
XXXX XXXX  is showing an inaccurate debt reporting on my credit report from XXXX XXXX XXXX  in XXXX XXXX, GA. I have contacted XXXX XXXX and the management company, XXXX XXXX XXXX, and spoke with a XXXX XXXX AND XXXX XXXX. Both state they have no knowledge of any account owed. I contacted XXXX XXXX  and was told to " stop talking '' after I told them they are inaccurately reporting an account that does not exist. The representative released the line in my ear after I told her I would not stop talking. I have filed a complaint with Top class Action Attorneys as I have located more than 100 complaints online in regards to illegally reporting and attempting to collect debts not owed. This will lead to a class action lawsuit that will help prevent this company from illegally reporting and collecting from individuals.

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 2019-02-19
Company: ALLIANT CREDIT UNION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I opened a Alliant Credit Union account about a year ago. I used the account without issue, until one week in XX/XX/2018. My account was accessed without my knowledge, its to my understanding a transfer was made to my account to make my balance more, and then the balance was transferred to another account before the incoming transfer could fail. With that being said, someone used my account without my authorization, transferred funds, and when everything was settled was my account was negative. My issue here is, A. ) I did not transfer any funds, and I had a positive balance, with no issues regarding my account, and B. ) Alliant reported this account to XXXX, so now my credit is being effected by this issue even though this is a checking account, not a line of credit or loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This relates to a CapitalOne Visa Signature Account ending in XXXX. 
After many years of use I cancelled this account in XXXX or XX/XX/XXXX. I called and cancelled this and another card. The last bill I ever got was for the period ending XX/XX/XXXX. 

In XXXX, XXXX CapitalOne paid a merchant for two purchases one in the amount of XXXX and one for XXXX. 

The website shows no statements from XX/XX/XXXX to XXXX, XXXX because the account was cancelled. 

I did not realize this happened until XX/XX/XXXX when i opened a bill from Capital One. They had apparently unilaterally resurrected the account and billing in XXXX, XXXX. I spent several hours on the phone with them. One of their representatives told me the account was actually cancelled in XX/XX/XXXX and " this makes no sense. '' Finally they agreed to contest the payment with the merchant, but they did not do so, as best I can tell. 

The merchant is XXXX XXXX XXXX in XXXX Wisconsin. the total of the charges was XXXX. 

Now CapitalOne wants late charges and interest. 

I owe the merchant who mistakenly submitted a cancelled card. I did not authorize the use of this card. I had specifically cancelled the card. I will make it right with the merchant to whom i have spoken. 

CapitalOne can not charge me for a cancelled card. Then they agreed to fix it and did not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-18
Company: Ditech Financial LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX had a lien on a Mobile Home Tn Vin XXXX Title number XXXX Tennessee They went out of business without a trace Original borrower was XXXX XXXX XXXX This mobile home was paid off years ago and they never released the title This transaction is holding up two other transactions. 

I am uploading all that we have on this. But we need this title released. We need to know who is the person that is left that signs for XXXX XXXX that got bought out by Ditech Financial, LLc.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: EQUIFAX, INC.
State: IL
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:
Submitted several identity theft reports obtained from the XXXX police department aswell as the FTC and credit bureaus still refuse to remove the fraudulent accounts and unauthorized inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
Company: Affirm Holdings, Inc
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have used affirm like credit and have paid them off many times. I did not realize every time I used money it was like a new loan so I have like 20 affirm loans on my credit reports They are all paid in full

Company response to consumer: Closed with explanation