BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-01
Company: JPMORGAN CHASE & CO.
State: NY
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:
Fraudulent checks were cashed and paid out by my bank ( Chase ) that were intended to pay personal bills. The original check was dated XX/XX/2019 in the amount of {$250.00} intended for XXXX XXXX XXXX. Chase paid out of my personal checking account a check dated XX/XX/2019 in the amount of {$4900.00} to a person believed to have stolen the checks out of the mailbox. Another check was also forged and altered to payout to the same individual to the amount of around {$2000.00}. This charge was refunded by the bank. The first and larger check has not been refunded to this date. 

I have visited the local branch numerous times and have started claims with them multiple times that end no where. I have contacted the bank by phone multiple times regarding the ongoing case and have received very little help other than to wait longer and that the bank will get in contact with me. I have documented proof of all paperwork filed, signed, notarized that was sent to the bank, as well as copies of the fraudulent checks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
MY INFORMATION WAS USED TO OPEN THIS FRAUDULENT LEASE ACCOUNT THAT I DID NOT OPEN SOMEONE USED MY INFORMATION TO OPEN THIS LEASE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint to Capital one in XX/XX/2023 to remove 2 fradulent credit cards opened in my name ending in XXXX and XXXX. I received a letter about a month later saying they will remove the acocunts and that still has not happened. I submitted numerous documents to them proving I did not open or authorize anyone to open them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

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 15 U.S.C 1681 SECTION 602. A. STATES I have a right to privacy.

15 U.S.C. 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : No consumer reporting agency may make any consumer report containing any oof the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Someone used my account to sent the money to someone I dont even know. I want my money back. I tried to make a disputed but paypal wont take any responsibility for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, 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:
This is my follow up complaint to the XXXX and Equifax Credit Bureaus with the assistance of CFPB informing the 2 CRAs that I was a victim of identity theft, this was another request to block and remove the inquiries from my credit file resulting from alleged identity theft. And they are are required to block and remove these specific inquiries not later than provided timeframe. Ive already included the identity theft report in my previous complaint & I am including it again here. Also, the data the XXXX and Equifax provided on these inquiries are UNKNOWN to me and was individually REMOVED from other bureaus and I have doubts about the accuracy of the data they are are showing in for each of these inquiries. 
XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Dovenmuehle Mortgage, Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
We are filing a complaint due to inaccurate late payments showing on our credit report from our mortgage company, XXXX  XXXX ( XXXX XXXX XXXX  ). Details for this complaint are as follows : In XXXX of XXXX we contacted our Mortgage company XXXX XXXX ( XXXX XXXX XXXX ) to inform them of some financial difficulties we were having and that we were unable to make our XXXX Mortgage and wanted to know if there were any options to defer our payment. They informed us that they did not offer any type of deferment options and that we would need to call back after the XXXX of the month for any options they had for a late payment. We then called them the XXXX week of XXXX and were told the best option would be a loan modification which would defer 3 payments on the loan if the terms of the modification were approved and completed as agreed. The representative informed us that these payments would not be listed as late as long as the terms were met, we completed the application process on XX/XX/XXXX and they were received via secured download on XX/XX/XXXX. The completed package acknowledgement was sent to us on XX/XX/XXXX and our trial modification plan was sent on XX/XX/XXXX detailing the terms of the flex modification which had {$1600.00} due on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX for the 3 trial payments for the modification to be approved. XXXX XXXX received the XXXX payment for XXXX on XX/XX/XXXX, the second payment for XXXX on XX/XX/XXXX ( this payment was sent on XX/XX/XXXX but not recorded on their end until the XXXX ) and the final payment for XXXX was received on XX/XX/XXXX. The three payments listed prior kept us well within the terms of the modification and our first actual payment for the new modified loan ( starting in XXXX ) was received on XX/XX/XXXX. 
Aim Loan has reported us late 7 times since this began, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. This is not at all true, we are requesting you to investigate and correct our credit report with the correct information. We do have detailed documentation to support our complaint and will provide upon your request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Have XXXX payments showing past due on my account from XXXX and XX/XX/2002 as I dealt with the death of my Father. I had never been later before and had not been late since and was told they would remove it almost a year ago and it has yet to be removed. Was told today by the company it was up to the credit bureau and I needed to file a dispute. I did that over 3 months ago and the credit card company still has it still reporting the same after I had a conversation with them and was told it would be removed because they had seen how my payment history was and has been since opening up my account with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: SYNCHRONY FINANCIAL
State: GU
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:
SYNC/WALMART Account was directly disputed for incorrect information ( synchrony ). It was " resolved '' by further inaccurate reporting to credit bureaus, re-aging account on XXXX  ( account was closed XX/XX/XXXX ) and showing payments and delinquent payments all the way to XX/XX/XXXX. Old delinquent payments were, in effect, pushed forward making it appear that delinquent payments were made in XXXX and XXXX, decreasing my credit score. XXXX, XXXX  and XXXX are not matching information.

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 2020-09-14
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: Credit inquiries on your report that you don't recognize

Complaint:
After learning about the power in my credit report I realized I have a large amount of unauthorized inquiries on my report. I have disputed unauthorized inquires on my credit report for over a course of 6 months. The inquires have not been removed or deleted with out any verifiable information. This is hindering me from gaining financial leverage. The credit bureaus have done NO investigation into this matter nor provided any proof. 

XX/XX/XXXX was one of the last disputes I filed before making this complaint and I have heard nothing back from the company at this point they are ignoring my request ... the unauthorized inquiries have no open accounts attached to them nor do I know where they came from ... 

for example XXXX XXXX  for XXXX XX/XX/XXXX ran a hard inquiry on my report with out my consent and has left an inquiry that will not be removed.. I have asked to company to remove it ... I have now closed that account due to the shady busy. 

the following attachments will be the full lists of inquiries on my report the are unrecognized and unauthorized.

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 2023-06-02
Company: Experian Information Solutions 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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-06-02
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-11-29
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX 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 15 U.S.C

1681 SECTION 602. A. STATES I have a right to privacy. 15 U.S.C. 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : No consumer reporting agency may make any consumer report containing any oof the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-01-31
Company: LTD Financial Services, L.P.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I recently discovered a judgment on the title to my house from a company called Advantage Assets for {$12000.00} in XX/XX/XXXX. I have not had any line of credit or credit card since XX/XX/XXXX so I do not know how or why it is there. I was never served papers or warned of this action to put a lien on the title to my house or garnish my bank account. I have not been notified at all for any request to pay this debt. I did n't know of any of this existed until funds from my bank accounts were garnished. I have never been informed of any judgements but they continue to garnish my account and I still have the lien on the title which I need to have removed. I want to settle this matter, but I feel these creditors have committed fraud. I would be grateful for any help resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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:
I am doing a submission of complaint today for 12th time as a follow up regarding the dispute the fraudulent items on my credit record. I insist immediate removal of these items from my credit reports. According to Section 605b of the Fair Credit Reporting Act ( FCRA ), it is the duty of the credit bureaus to ensure the accuracy of the information they furnish. Once again, these fraudulent items are evidently inaccurate and are detrimentally affecting my creditworthiness. And I have already provided all necessary documentation to establish the fraudulent nature of these items. I even have formally requested the responsible creditors to investigate these fraudulent items and REMOVE them from my credit reports. I once again demand to the XXXX, Equifax and XXXX Credit Bureaus to remove these fraudulent items from my credit report expeditely, and provide me with a written confirmation of the removal : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ACCOUNTS LISTED BELOW ARE FRAUDULENT THAT WERE OPEN IN MY NAME I DID NOT OPEN THESE ACCOUNTS SOMEONE USED MY IDENTITY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-14
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
My problem isn't listed in the questions prior. A customer paid for a landscaping service with her credit card through my online accounting software XXXX. Weeks after the install she did a chargeback and her American Express was able to go into my account and steal my money without notice. This was not her money but rather another client 's money. Her money had been withdrawn from this account when she paid her bill. This account is held by XXXX  and holds the money briefly between the time the credit card pays and the money hits my checking account. This is the innerworking of my online accounting. I don't have direct access to XXXX. 
Since the money disappearing from my account I have had little recourse. I sent documents through XXXX   showing her garden installed, her texts saying she was happy etc. But I have had no response and I have no recourse. How can American Express go directly into my bank account and steal my money? I'm a single mom of XXXX, struggling like everyone else during COVID and this has been devastating. I've also had to stop taking credit cards because I have no idea how to protect myself. I have reached out to the client repeatedly. Please help!! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation