BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
Company: JPMORGAN CHASE & CO.
State: PA
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:
XX/XX/2023 got a letter stating someone tried opening a chase freedom credit card in my name, wasn't me. Called chase canceled the app and they sent me to this site to just get you guys involved incase anything else 's happens that isn't me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.

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 2020-11-30
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Their investigation did not fix an error on your report

Complaint:
Portfolio Recovery Associates is reflecting on my credit report with 2 different account numbers. I have not signed a contract or created debt with their company. I have disputed the accounts several times with the company and with the 3 credit bureaus. The company keep sending me what looks like a last statement that barely has anything on it nor does it prove my ownership of the debt. I have continuously disputed the fact that all 3 bureaus are reflecting differently and asked that the account be removed due to inaccuracies however all they do is verify that it is accurate. Its also reflecting a past due balance? How?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I entered a consumer credit transaction in which I was the creditor and extended credit to XXXX XXXX through my open end credit plan Pursuant to 15 USC 1602 ( g ). XXXX XXXX then disclosed my nonpublic personal Information directly to a third party with out providing me with a notice or opportunity to exercise my right that such not be disclosed. Pursuant to 15 USC 6802 ( b ) XXXX XXXX has used interstate Commerce for the purpose of fraud and are in violation pursuant to 15 USC 77q ( a ) ( 3 ). I sent and letter on XX/XX/XXXX to XXXX XXXX to receive a copy of the original contract to validate this alleged debt. To this day I have not received a response. XXXX XXXXhave reported this Information to the credit bureau stopping me from receiving service or goods, while oppressing me and harming my reputation violation Pursuant to 15 USC 1692d ( 1 ). XXXX XXXX has taken cash payments in an CONSUMER credit transaction and has used Unfair practices to try to collect alleged debt charging interest and late fees violations pursuant to 15USC 1692f.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
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: Account status incorrect

Complaint:
I finance a car through XXXX XXXX XXXX since 2016 ). A few months ago, it came to my attention that they had reported several late payments to the XXXX XXXX XXXX, which I believe are in error. I have contacted XXXX XXXX, as well as the CRAs several times to no avail. This erroneous reporting has had a severe negative impact on me, as I have been recently denied credit, including a mortgage. I have proof of payments that were made for the months in question, as well as extension agreements where XXXX XXXX agreed to allow me to skip monthly payments. XXXX XXXX and the CRAs are violating the Fair Credit Reporting Act that states only true and accurate information can be reported, or else MUST be removed. At the very least, there is proof that XXXX XXXX has not reported my payments accurately. They have reported me as 30, 60, even 90 days past due inaccurately! I have made several requests to them to fix their error, even attempting to email the CEO personally. I'd like the inaccuracies removed immediately. The inaccurate information violates both the FCRA and the extension agreement granted to me.

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 2022-07-08
Company: LDF Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was notified by phone back in XXXX by a collection representative with Lendumo about a pass due payment from XXXX. I advised the representative that my monthly payment was made on their website online by my son in the amount owe of {$310.00} on my due date XXXX. Because I had fraud issue on my bank account and I knew the payment wouldn't go though I had my son to make the payment for me so I thought the issue was resolved. I called them on XXXX but was advised it was too late for them to stop the payment because they have a 3 day notice to make changes to automictic payments. I continued to receive collection calls trying to collect on a payment that was made on time for my XXXX payment online. I sent a written notice to the lender on XXXX again advising them that I didn't owe the a payment from XXXX since it was paid by my son on time. I received an email response from Lendumo stating that the account was pass due to the return payment and once again I explained to them what happen and they acknowledge they di receive the payment for {$310.00} back in XXXX which was the exact amount payment due to {$310.00} on XXXX. But because their system shows pass due they still have to collect. I tried again to get them to update their system and correct this matter because the pass due payment amount of {$310.00} was not pass due, it was just a system issue on their end but they have refused to correct this issue and have continued to harass me over and over again. The harassment calls haven't stopped on them trying to collect on a payment that is clearly not owed to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
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:
There is a card on my account with a XXXX limit that I never opened. There is currently ( XX/XX/XXXX ) a balance of XXXX and my XXXX XXXX report states that it has decreased by XXXX recently. 

I had ( XX/XX/XXXX ) called the bank and asked to close the account and they said they could not find anything in either my name or social security. Though I continued to submit a dispute. 

The credit card was opened in XX/XX/XXXX. 

I submitted another dispute today and it said my old one was completed. Though the account remains 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 explanation
Consumer complaint received 2020-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I have had capital one auto finance since XX/XX/XXXX as an auto loan holder recently I have became ill and cause me to miss a few payments due to being on XXXX however I have made several attempts to resolve this issue with company making partial payments in good faith as my XXXX  XXXX payments have not kicked in to cover my leave from work. I then went forward made a payment plan that myself and the company have agreed that 3 payments of {$620.00} will be charged to cover my account and bring it back current drafting from my account on XX/XX/XXXX which i see posted on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( which since the company has broken our agreement and maliciously charged my account off after taking my first payment XX/XX/XXXX I have cancelled my auto payments ). I  noticed the change when on XX/XX/XXXX I went into the account to make an extra payment in good faith effort to the company and wasn't able to because my account information vanished only allowing me to see current payments and those that are scheduled. I called and spoke to a rep who couldn't give me information and then I asked to speak to a supervising team since my consumer rights have been broken XXXX rep ID # XXXX who then tried to inform me that the contract was not valid because they didn't charge my account XX/XX/XXXX for {$360.00} which the rep told me at the time of signing the agreement these payments will come out and apply however if they didn't get that payment then the entire contract should have been cancelled meaning they illegally now have take {$620.00} out of my account on XX/XX/XXXX. If the company rep has failed to take the payment as we agreed when setting up the agreements all contracts should have been null and void and none of the payments should have went through after. The company also failed to provide me notice of a resolution before charging my account off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i sold a car the person sent me half the money then once they received the car they sent the other half through XXXX i once the money was transferred to my account my bank locked me out this frustrating because im out of a car and the money there telling me to get in contact with the buyer and i can't locate or contact the buyer i really need help with this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30
Company: ALLIANT CREDIT UNION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern, My wife and I encountered several issues with Alliant Credit Union at the time of mortgage payoff and post closing of said mortgage. We requested a payoff statement as well as stop payment on our mortgage prior to the sale of our property. Despite the confirmation that the final mortgage payment would not be processed, Alliant credit union went ahead and in fact debited our account for an additional payment which resulted in incorrect payoff statement which subsequently delayed our new property purchase. 

Further to this ineptitude from Alliant, on XX/XX/2020, an additional payment for a mortgage that not longer exists was processed. This has created financial hardship and we are receiving a lack of sense of urgency and inadequate response times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: MO
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$990.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX  XXXX Balance : {$770.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$220.00} ; XXXX  XXXX Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} ; XXXX XXXX Bankruptcy XXXX  XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Helbing Law Group
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
I have paid Helbing Law Group $ XXXX to settle my debts. All my accounts were in good standing when I signed up for the debt settlement agreement. They advised me to immediately stop payment to all the debtors so they could settle the debts for minimum 50 % of the outstanding balances. This caused the balances to greatly increase. They have not settled the debts as promised averaging 30 % debt reduction, which had they not gone to collections, I would have owed less than what they " settled '' a few of the account for. I recently found out that the debts would have reached their expiration date for collections, yet I am.still paying them to settle these debts and still paying on debts that reached their collection limit. When I reached out to them, in XX/XX/2023 to ask them for information on each debt, their term limit, justification for the amount I was still paying them, and what my escrow balance was all in writing, I never received any evidence or justification of amount I've been paying or what I had in my account. The associate on the phone gave me an answer that made no sense and could not answer why I am paying on the account that would have been uncollectible debt over a year plus ago. I feel I was scammed into a " program '' to pay off my debts at a reduced rate and my credit school which was good at the time is incredibly bad as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Big Picture Loans, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan with a big picture loans needing some emergency cash not realizing that the interest rate was over 450 % which is illegal. I have had this loan since XX/XX/XXXX making payments of {$430.00} a month since XX/XX/XXXX and my balance is still {$1400.00} according to a payoff amount as of today XX/XX/XXXX months later after paying well over {$1500.00} and interest already. This company uses illegal predatory practices to prey on consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Experian Information Solutions Inc.
State: CA
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:
On Friday XX/XX/18 I got copy of me credit report and notice some things on my report that I didn't apply for. I called credit bureau and told them about my credit, and they said they would take it off, but when i got a copy of me undated report the inquiries were still on.

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 2023-04-04
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 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 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 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 explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the 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 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. 

Listed below are inquires w/ dates on my credit report that I did not authorize : XXXX CARD SERVICES ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ; L XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX & # XXXX ; L XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX Bank ) XX/XX/XXXX CAPITAL XXXX ( Bank ) XX/XX/XXXX XXXX XXXX NA ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX XXXX & # XXXX ; L XXXX ( Finance ) XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: CARD Corporation
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I checked my Card.com account and notice {$940.00} was withdrawn from my account. I called Card.com and had my card canceled and ordered another one. I disputed the charges on XX/XX/XXXX I filed a police report with XXXX XXXX XXXX Police Department case # XXXX to assist in the investigation. I feel that there will not be a thoroughly investigation. Cameras are at the location of the crime so it should be an easy investigation. Just get the camera footage. Please help!

Company response to consumer: Closed with monetary relief