BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: JPMORGAN CHASE & CO.
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I have received 2 fraudulent checking acct notifications First with XXXX XXXX and the second with Chase. Both accounts were charged off but are still reporting on my credit bureau report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Atlanticus Services Corporation
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 several companies have violated my rights.

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: USCB Corporation
State: GA
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:
Why is this reported on my credit when the original creditor didnt verify the debt? How does that even make sense? Also, I never had a balance of the amount that is being reported on my credit report. I sent USCB Corp a letter in XXXX and they have yet to send anything regarding the collection they are reporting on my credit report. Also, I do not see that they are licensed to collect any debt. I am requesting that this inaccurate account is removed from my credit report immediately. Attached is the letter that was sent in XXXX which is dated and time stamped.

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 2023-09-28
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX has garnished my wages. I am a single parent. This law firm went ahead and garnished my wages for a debt without allowing me to settle thru a payment arrangement. As a result I am not able to pay my rent. I am a state employee and a single mother on very low income. I have made repeated attempts to both call their office and filled out a online payment settlement letter request form more than once. All attempts have been ignored. I emailed them this morning and they stated that someone would contact me. I then attempted to call their office six or seven times and left messages. I still haven't received any responses. This garnishment has placed me in a state of homelessness because I was unable to make my rental obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit has decreased due to my information getting stolen, cards, social security, bank information. My bank account was closed and im not able to open another bank account. I need to open a bank account so I can pay my bills. I tried opening a bank account with many banks and all deny me. Please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
i was called on my landline on XX/XX/2022 by a person claiming to be a XXXX representative they had me use XXXX to transfer money somehow they were able to get into my bank of america they made 6 transactions several different amounts i was sent 6 text messages claiming to be from bank of america to transfer money through XXXX  they claimed the texts were authorization codes which in turn i was instructed to put in a amount column i was unaware i was adding to amount column bank of america called me about a hour later and said they detected fraud on my account they were able to block 5 transactions but the first one for XXXX went through because it was the first one from someone named XXXX my claim # is XXXX i am looking to recover money that was withdrawn from my BOA account illegally can you help me bank of america needs documentation presently my XXXX XXXX account is locked i will be able to provide text numbers sent to me on XX/XX/XXXX but in order to reveal nature of texts i need to file a supena from county court judge which i hope to be able to do in the next day or two do you need more information to help me with this claim thank you 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 2021-02-05
Company: Shellpoint Partners, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Shell Point. The Account Opened is Shell Point Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$570000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Nelnet, Inc.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I enrolled in XXXX  school in downtown XXXX Wisconsin  in XXXX I got XXXX dollars I had another check but I never returned someone cashed the second check I tried several times to get information about filing a complaint hang ups no answering the phone or recording sound like a conspiracy here I've lost a lot through criminals working for the government I I'm inheriting this mess from my mother XXXX XXXX fraudulent government funds being. misused I've looked for information on blowing the whisle no one addressed this corrupted country I will be looking into. this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a Chase Slate credit card for 12 years, 1 month ( opened XX/XX/XXXX ). I was in good standing and paid off the entire balance of the card. Last XX/XX/XXXX, the card was closed due to inactivity. I didn't realize this until XX/XX/XXXX. I called requesting to reopen the card but was told nothing could be done. In addition, they have this feature enabled on all Chase Cards, forcing me to have to keep constant use of all my Chase cards or run the risk of my cards being closed. This can severely destroy my credit score by ruining my average age of credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
XX/XX/23 - I received XXXX emails from Chime. 
1. [ Alert ] There was a new login to your Chime account.

2. Welcome to Chime 3. Youre one step away from XXXX XXXX! 

All references that I have an account with Chime, which I never signed up. It notes to reset my password if I did not open the account. However, I could not reset the account because it required a phone number for multi-factor authentication tied to a phone number that was not mine. 

I submitted a request to disable the account to XXXX, I opened a chat, and called chime at XXXX several times, but no one could help and all requested private ( DOB, SS #, accuont number ) information from me that I am not willing to provide for an erroneous account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: GVA Holdings, LLC
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
This is a follow-up to claim # XXXX. Target Cash is refusing to settle the account which they clearly stated they would below. 
Target Cash Now is in receipt of the complaint filed with the CFPB. We take all comments good or bad very seriously. The following is our response to the items noted. First, we would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer, XXXX XXXX. First and foremost, Target Cash Now is committed to complying with the spirit of all applicable federal laws and the laws of the XXXX XXXX XXXX XXXX. In regard to Ms. XXXX, the loan terms and conditions, as well as repayment options, were explained to her at the time of loan origination. Target Cash Now discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing. Specifically, the APR is disclosed both on the Target Cash Now website, as well as the loan documents that are reviewed and signed by the customer. All rates and loan fees are prominently displayed within the loan contract and were acknowledged by Ms. XXXX at each point by mandatory electronic signature. The loan agreement signed by Ms. XXXX is legally binding, and we have every right to expect payment as scheduled in the agreement. We certainly understand our customers experience financial difficulties from time to time, and we appreciate Ms. XXXX diligence in paying off her previous loan with Target Cash Now. Regardless, as a gesture of goodwill to a valued returning customer we will consider Ms. XXXX obligation settled for what has been paid and consider this matter closed. This will be notated in Ms. XXXX file. We will make every effort to reach Ms. XXXX utilizing the contact information she has provided to us. Correspondingly, Ms. XXXX, at her convenience, may call our customer service line and she will be directed to a representative who can assist her with any questions. We hope that this letter resolves any concerns. As noted above, Target Cash Now is subject to robust consumer protection requirements. We want to treat our customers well and ensure that they are pleased with our product. Respectfully, Target Cash Now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX : To Whom It May Concern This letter shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

To Whom It May Concern This shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

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 2023-03-08
Company: SYNCHRONY FINANCIAL
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:
Someone opened a PayPal credit card account in my name in XXXX of 2021 and kept charging to the account and didnt pay any balance and ruined my credit. The phone number to reach PayPal is XXXX XXXX XXXX XXXX XXXX Florida XXXX I dont have a full account number because I didnt open this account. I would like to report this as fraudulent someone stole my identity to open this.

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 2018-03-11
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2013 I talked to a Transunion representative. I ask why they are not providing me verifying information I requested and they she said she didnt have to. I told her about section 609 that they are required to. She refuse to get me with the necessary people that can give me the information. She referred me to the creditor, because they are the ones that provide the information. I ask her do they get verifying information from the company and she said they only do electronic verification. I told her they are required to get physical documentation and she denied that.

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 2023-10-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: OK
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I've requested several times for Capital One Bank. N.A, to provide me with a copy of my complete payment history for loan number : XXXX pursant to RESPA : Request for Information - 12 CFR 1024.36 Capital One was the servicer for loan number XXXX. They are refusing to provide me with this information!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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 an account 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 non-monetary relief
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: VA
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:
Equifax is keep replying by automated messages. They claimed that they mailed me the investigation summary but WITH NO PROOF. I requested, In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Where is your Method of Verification? Equifax is in violation of FCRA 611 ( a ) ( 6 ) ( B ( iii ).

Company response to consumer: Closed with explanation