BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Had my Chase Sapphire Preferred card information stolen back in XX/XX/XXXX, I was in XXXX when the card was stolen, once back in the US I hadn't noticed until i got a call from XXXX while out on a company dinner that it had charges on it and were saying they looked fraudulent. I called chase the next morning and flagged all the transactions as fraud they were removed during the " investigation period '' but in XX/XX/XXXX their were two charges charged back to the account from that time. One transaction for {$740.00} from XXXX on XX/XX/XXXX & another transaction for {$110.00} from XXXX  * XXXX + XXXX  on XX/XX/XXXX. I had called the support number on the back of my card about this and due to Covid-19 the tech support agency said that their fraud department to handle these resolutions is not currently taking calls so i had to email : XXXX. I email them about this and a few days later get a call about these transactions. The agent on the other end of the line ( Her name is " XXXX '' ) says that the transactions are valid and procedures to tell me that the vendors have replied to their request about the fraudulent transaction & say that they shipped products to my home address on my card. This is where i decided to escalate this because I have not received any products from either of these companies to my address, If they have shipped something to my address I would like to see shipping confirmation because i find it hard to believe that someone would ship a {$750.00} product to my address without needing signature. XXXX then advised me to email the proof that I have not received any of these products or that I was not in the US when my card was stolen & that I should email my proof to : XXXX to me this email seems like something that isnt a valid chase email and I would like to talk with someone higher above than a call center about my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: MD
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:
This is 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 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 2018-04-19
Company: O&L LAW GROUP, P.L.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
O and L law firm XXXX XXXX XXXX XXXX XXXX fl XXXX made no attempts to notify me of this debt so I could verify it was mine and dispute it if it isn't or negotiate a settlement if it is. I only found out about the debt because my paycheck was almost XXXX lower than it should have been because my wages have started being garnished. If I have any bad debt it is from more than 10-15 years ago. 

It is not right that a company can garnish my wages before I have been given any chance to dispute or settle the debt, so right now my wahes are garnished for a debt that may not even be mine. I have attempted to reach them by phone and only get voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ON XX/XX/XXXX I submitted in a request to Lexis Nexis to provide specific details of the information that they share/report to the credit bureaus XXXX, XXXX, and XXXX  due to the fact iinaccurate information is being reported. On XX/XX/XXXX I received a letter from Lexis Nexis and they have failed to comply with my request and continue to report this information as well as maintain the information in their data for my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
There is incorect information on my credit report.

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 2019-03-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
my problem most likely effects many people.a few days I attempted to obtain XXXX XXXX credit card issued through XXXX XXXX & was denied. I was shocked as I have excellent credit. I checked with XXXX XXXX & Equifax.I was told that the problem was I had 7 outstanding hard credit inquiries. It appears that every time you apply for a credit card or loan & they run a credit report unbeknownst to me my credit was effected. I now can not get credit. When I asked the companies in question XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, they all told me the same answer - I have to wait two years for it to roll off. I suggest that all consumers be required to sign a form indicating to them that by pulling a credit report they may jeopardize their ability to obtain future credit which it what happened to me. is there a way in which my hard inquiries could be masked so that i can obtain credit. 

thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: BANK OF THE WEST
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
We financed a motorhome through Essex Credit ( dba Bank of the West ) in XX/XX/2020. They financed in our tax, tags and title costs but never sent the state taxes to Virginia and never ordered our tags. We have been unable - since XX/XX/2020 - to use our RV as it is STILL not street legal because Essex Credit refuses to assist us, despite our dozens of calls that never get returned. We even filed a previous complaint with the XX/XX/XXXX to no resolution.

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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report again, I discovered that some of the accounts were erroneous. The XXXX credit bureaus must validate these accounts : XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$970.00} SPS XXXX Balance : {$620000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00}

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 2022-10-05
Company: Chime Financial Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made a transfer on XX/XX/XXXX from my XXXX  account into my chime account. The transfer was for {$180.00}, XXXX  was suppose to instantly transfer this money yet the funds was not showing in my balance. I contacted chime & spoke with a supervisor who confirmed my balance wasnt correct & that XXXX  initiated my transfer as a refund, so it wouldnt show in my chime account until XXXX business days later. From XX/XX/XXXX to XX/XX/XXXX Ive checked my chime account balance to see if my refund was returned & it wasnt so i reached out to chime today who told me the refund was sent to my account XX/XX/XXXX. I also reached out to XXXX  who said they can confirm chime received the funds, but yet my balance is still wrong. Chime is trying to tell me Ive already received my refund and spent it due to transactions i made after making this transfer which is incorrect again. Ive researched to see who else has not received money from chime & of course Im not the only one complaining. I read one person had to contact yall and get a lawyer to get his funds back which seems like i have to do as well being that i never received my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I had an arrangement and kept it to pay off the loan with XXXX XXXX. It is still showing on my credit report as a judgement.

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 2020-07-09
Company: The CMI Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit and saw an account from Credit Management for XXXX XXXX for {$580.00}. I never received notice to dispute this debt. I was unaware it existed as I thought I closed out my account on {$0.00} balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
This 'll be the 20 second time that I have called Bank of America XXXX XXXX to settled my dispute while being on hold every single time for approximately XXXX hours sometimes even hanging up and calling back and being told that the dispute department is closed and I was sitting on the phone for no reason a few other times I was just hung up on and other times I was lied to and told I was going to be connected with him supervisor and they were going to help settle my dispute yet nothing happened and I got hung up on or left on hold for another 8 hours until the phone just hung up on me randomly I have multiple accounts that are have been have already been notated on my account I also have taken dose of my own approximately XXXX and {$740.00} has been stolen from my account I asked them to please look at the video feed because it looks like there are mostly ATM transactions and I know for a fact that it's not me I have been trying to settle this dispute for weeks now take an L need to get nowhere and I'm afraid I will be told that it'll be my fault if I'm not able to settle the dispute in time I have filed complaints and took notes of my own and called the network and yelped and but please report for the transactions that had taken place this year will be my third complaint with no response back also there is a charges in another state that are not mine in Florida to be exact if you noticed that my charges are nothing over {$100.00} and then all of a sudden they go range from XXXX to {$1000.00} in consecutive intervals on the same day within minutes of each other I was unable to login to my account online for a long time so I didn't notice the charges were on there please view footage of ATM transactions they're further show proof that is not me withdrawing the funds thank you I hope this matter gets resolved promptly so that I make it back to my life thank youa

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 2023-07-16
Company: EQUIFAX, INC.
State: IN
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:
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX 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 of 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 seven 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite of my previous request, the 3 credit bureaus still failed to fixed this issue. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of and help me delete it all right away : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$12000.00} ; XXXX XXXX Bankruptcy Date XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX  XXXX Balance Owed : {$12000.00} ; XXXX XXXX Bankruptcy Date XXXX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance XXXX : {$900.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$12000.00} ; XXXX XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XX/XX/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 2022-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Today on Sunday, XX/XX/22, I received a notification through my credit monitoring system that a Bank of America credit card, which was not authorized by me, was opened up in my name.

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 2019-12-26
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello on XX/XX/XXXX I went to pay my loan # XXXX which stated it had a total due of XXXX $ by XX/XX/XXXX. The website stated that it was past due but had no past due balance and just said total due was XXXX $ by XX/XX/XXXX. So I made the payment for XXXX $ on XX/XX/XXXX and it said it would post to my account on XX/XX/XXXX the due date. However they reported my account as 30 days late on XX/XX/XXXX even though there was no past due balance and I paid the XXXX $ by XX/XX/XXXX. So now when I go on to my account it says the XXXX $ has posted but its still late and another XXXX $ is due which was not on there when I paid the XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: LEVEL 4 FUNDING LLC
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I continually receive multiple unwanted SPAM emails from this commercial mortgage broker every day : Level 4 Funding LLC XXXX XXXX XXXX, Licensed Mortgage Broker License No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX I have repeatedly requested to be removed from their spam generating system, but they refuse to remove my email address. Can you please help? 

Hi XXXX, Please remove my email address from your automated emails and marketing : XXXX Thank you, Live Support Chat Your Name : [ XXXX ] Hello! My name is XXXX. May I have your name please so I know who I 'm chatting with? 
[ Visitor ] Please remove my email address from your automated emails and marketing [ Visitor ] Please remove my email address from your automated emails and marketing [ Visitor ] mailto : XXXX  [ Visitor ] Please remove my email address from your automated emails and marketing XXXX Thank you [ XXXX ] I have that noted. may I have your name please? 
[ Visitor ] XXXX [ Visitor ] I called and requested this in the past, but I still get several emails everyday from your company. If you could remove my email address, that would be greatly appreciated. I will call you in the future if I need your lending services. Thank you [ XXXX ] Alright. Thank you for contacting us. Please do not hesitate to contact us again if we can be of further assistance. Take care! 

I called and requested this in the past, but I still get several emails everyday from your company. If you could remove my email address, that would be greatly appreciated. I will call you in the future if I need your lending services. Thank you Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Schachter Portnoy, L.L.C.
State: NY
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:
SCHCHTER PORTNOY LLC took me to civil court for an account purchased by XXXX XXXX. The case was proven that the amount was caused by fraudulent charges with account documents and I was the one who was owed monies on this account. I agreed to close the case after counter suing for the monies owed to me on this account and was informed that this record would be removed from any credit reports. I agreed, because the case was dragging on after they continually did continuances ( hoping for a default judgement is my guess ), and signed a form saying I couldn't take legal action against them for this debt. This was all on the belief that this would be removed from my credit reports. SCHCHTER PORTNOY LLC have shown immoral acts during this time - when the summons was handed to me I was advised to ignore it and I can 'just throw it away ' by the man who handed this to me. I was recently failed an apartment application after they ran my credit report. I see this negative record still appears and believe it to be the main reason I was denied the apartment as well as paying high APR fees on the credit cards i recently obtained. 

Court : XXXX  XXXX County Civil Court Index Number : XXXX Case Name : XXXX XXXX XXXX XXXX, AS ASSIGNEE OF XXXX XXXX, FORMERLY KNOWN AS XXXX XXXX XXXX XXXX  vs. XXXX, XXXX Case Type : Civil Classification : Consumer Credit Filing Date : XX/XX/XXXX Disposition Date : XX/XX/XXXX Attorney/Firm ( s ) For Plaintiff - XXXX XXXX XXXX XXXX : SCHCHTER PORTNOY LLC Attorney Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX- ( XXXX ) XXXX ext :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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