BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-03
Company: JPMORGAN CHASE & CO.
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This took place over a week and a half from around XXXX XXXX. The person first contacted me through XXXX XXXX  going by the name " XXXX XXXX '' and interviewed me for a Data Entry position to work remotely from home during covid-19. The instant messenger interview went well and she said that I had gotten the job. She then said she will be sending me a check to buy equipment I would need to be able to work from home. And that it has to be certain company approved equipment with the company logo and programs already installed. A few days later I was mailed the check for almost {$7000.00} and I could not deposit it to my bank because I just moved to XXXX, XXXX from XXXX, XXXX. I made a new bank account with XXXX XXXX XXXX and deposited the check. They told me they will be putting a hold on it for 10 days since it is a new account and so much money for the deposit. 

I told " XXXX '' this on the XXXX and she began to get impatient saying I was supposed to start training that week, She asked if I could use any personal funds to speed up the process to get some of the equipment mailed over to me. So she gave me the information of the " Vendor '' " XXXX XXXX '' to send money over quick pay through my normal bank Chase. She asked how much I can send and I said probably around {$800.00}. She said I would be reimbursed the following week, and I thought since the check was already in my account that I would be okay. 

The 10 days finally are up today XX/XX/XXXX, I checked my XXXX XXXX  account and see that a withdrawal was somehow made in my account that took all of the money in the bank account and {$48.00} just in fees so that account is now $ XXXX. 


I do not have money for rent now and I am out {$800.00} from this scammer. I just moved out of state to a new place needing a job desperately and I got taken advantage of and made a fool. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it.

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 2018-12-11
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX  XXXX  sponsors XXXX  XXXX XXXX credit card. The credit card offer at the store is deceptive and offers a discount that customers can not attain. On XX/XX/18 I attempted to take advantage of the published offer and was told that I could not get 15 % PLUS the 20 % on my " entire first purchase. '' The store manager stated that it was either/or but that is not what their advertisement states. Please review the " in store '' marketing material and it clearly states that customers can get 15 % off when they use the credit card " Plus get '' 3 different deferral payment plans " or '' 20 % off the entire first purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. 
Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX AZ XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 


Sincerely, 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 2023-03-01
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. 

Here are the accounts that needed correction : XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX  Balance Owed : {$390.00} This is my follow-up complaint in line with my prior complaint dated XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Conn's, Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Purchased a Mattress Set on XX/XX/2020. The product in the store was a memory foam brand. I agreed to pick the product up instead of paying the delivery charge. Took it home, set it up and realized it was not the same product as the one I tested on the showroom floor. It felt like I was sleeping on a slate. It kept me up all night. I was in pain and discomfort. I suffer from XXXX XXXX and XXXX. I told the salesperson this when I selected the product. I was assured it would suit my needs. Product was picked up XX/XX/2020. I called the store at XXXX XX/XX/2020. The salesperson said I would have to speak to the Manager. I spoke with XXXX at Conn 's Home Furniture in XXXX XXXX SC. She said there is a no return policy because of health reasons. She also said I would have to sleep on it a while to break it in. I told her that was unacceptable. She referred me to their Customer Service. I spoke with XXXX. She also gave me the same conversation. The Mattress set is {$1300.00} plus Finance charges. I put down {$69.00} on the Lease to Purchase Program. I have medical issues and I refuse to subject my body to such conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On or about XX/XX/XXXX I submitted an FTC report to all 3 credit reporting agencies becuase of fraudelent information. Both XXXX and XXXX removed the items but Transunion did not remove the items. Fast forward I called in XXXX of XXXX Transunion to ask why they never removed the information from my consumer report they told me they apologized and I spoke with a rep named XXXX who assured me that the items would be removed within XXXX business days. When I called back in 15 days to find out the items where never removed. I spoke with a manager who said she couldn't help me all she could do was open up a dispute even after I told her that I spoke with a rep named XXXX and he assured me that the 2 items would be removed within 7-10 days. The 2 items in question are XXXX XXXX XXXX XXXX and XXXX XXXX Bank. The fact that Transunion assured me that these items were going to be removed but then never did has caused me great pain and has prevented me from getting the items that I need for household and family purposes. Basically Transunion has caused me to not be able to obtain credit to buy the bare necessities like furniture, groceries, credit to be able to buy a car to get my family around. I have 3 kids and we have had to walk everywhere and that has caused me to experience extreme pain and turmoil in my life. It has caused a tremendous stress in my life and has caused me to lose vision out of my left eye. Now i am almost certain Transunion does not want medical issuses to be on there plate as well.

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 2020-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
I was charged by Capital One Mastercard for a {$22.00} cash advance in XXXX of XXXX. I did not know of this until I complained again about the usurious interest rate of 26.4 % being charged to my card account. When I first took up the telephone offer for the card the representative promised me that if I showed a good record of making monthly payments that my interest rate would be dropped to a lower percentage. Finally after about two years the interest rate was dipped for about 6 months and then went back to the original 26.4 % rate. I complained about this again in XXXX of XXXX and then I found about this unknown {$22.00} cash advance of XXXX that I did not authorize. The representative said he would forward this to the Capitol One fraud division. I then told him to freeze my account and not honor any further charges and I would not make any payments on the account until I got a paper trail bill dating back to XXXX of XXXX. To date I have not received the paper bill and I called Capitol One again on XX/XX/XXXX to both complain about the usurious interest rate and the fact that nothing had been done to remove the fraudulent charge on my account. I told them I would file a complaint with the Attorney General of Nevada and the FTC about the predatory actions of Capital One in telephone solicitations to induce and lock people into horribly high interest rates and not investigate fraud on my account with due diligence I hereby submit this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Utah System of Higher Education
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am a military XXXX  veteran and my students are to hard to pay down due to me not being able to get active employment because of my XXXX from the service. I tried to work out a plan with my student loans and tried student forgiveness but nothing happen. I am in a hardship with student loans and if we can come to terms on an agreement to help lessen the impact it would help in my hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on 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 non-monetary relief
Consumer complaint received 2020-01-10
Company: Experian Information Solutions Inc.
State: VA
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:
All 3 credit bureaus have removed negative accounts ( over 7 years in some cases ) and have began reporting these entries again. I have the proof. 

They have made it impossible to request a dispute to these entries and ask for information I dont feel comfortable providing because they have all been BREACHED! I have proof. 

All of the agencies have incorrect variations of name spellings, addresses, inquiries, phone numbers and just outright have refused to correct these issues, making it appear that I have at least 25 different aliases. After being requested to have this updated repeatedly. I have proof. 

They have also allowed collection companies to report ( past 7 years ) using erroneous dates or data on the report. I have the proof. 

XXXX/XXXX  have frozen my reports and wont allow me to obtain my reports to ensure accuracy. So essentially frozen to me ( the consumer ) while the creditor has free reign to report whatever they want? That is backwards. I have the proof. 

Experian is reporting my score 100 points less ( to creditors ) than what they are reporting to me. I have proof Experian has pulled my credit upwards of 50 times and have these inquiries attached to my credit, lowering my score. I have proof. 

These inaccuracies are impacting my ability to obtain credit and has caused me LOSS on more than several occasions. Which has/can impact my employment eligibility. I have proof. 

I want these things corrected IMMEDIATELY as I am on the brink of suing every single agency for the issues mentioned above! These reporting agencies should not be allowed to do this to consumers. It is unfair and extremely frustrating to not be able to get any help from them when they accept any and all things reported as blood bought truth.

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 2023-03-01
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:
XXXX, EQUIFAX, XXXX have been furnishing some incorrect credit informations that belongs to someone else, someone with similar name, or someone with fraud intentions. i have attempted to dispute all the wrong information off my credit profile tirelessly with no decision in my favor. have filed and obtained a full police report on the incident, i have some other documents as well to support my claim. i have attached a copy of police report, i have also attached a notarized copy of my state isued driver licence that bears my legal name, i have attched a notarized copy of my utility bill that also bears the correct name and address of my residence and not all other wrong addresses that are being furnished on my credit profile. the wrong addresses includes ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AR. 
XXXX XXXX XXXX, XXXX XXXX XXXX, AR XXXX 

SOME ACCOUNTS THAT HAVE BEEN FURNISHED BY THE CREDITOR INCLUDES ; XXXX XXXX, Account # XXXX, opened on XX/XX/XXXX ( {$0.00} ) XXXX XXXX XXXX account XXXX XXXX, ( {$760.00} ) XXXX XXXX XXXX XXXX, account XXXX XXXX XXXX XXXX {$440.00} ), opened on XX/XX/XXXX XXXX XXXX XXXX  account # XXXX, XXXX {$780.00} ), Opened XX/XX/XXXX XXXX XXXX XXXX  account # XXXX ( {$1200.00} XXXX opened XX/XX/XXXX XXXX XXXX XXXX # XXXX, ( {$62.00} ) XXXX XXXX, Account # XXXX, ( {$110.00} ) XXXX. XXXX XXXX, ACCOUNT # XXXX ( {$67.00} ) XXXX XXXX, Account # XXXX ( {$840.00} ) XXXX XXXX  XXXX, Account # XXXX XXXX {$610.00} ) All the above mentioned accounts have been furnished on my credit profile unlawfully ad illegally and violates my consumer rights.they do not belong to my name, i have never initiated those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX has already removed XXXX XXXX on my consumer report but XXXX failed to do so. This is a follow up dispute to both XXXX and trans union to remove the Accont off of my consumer report or i will sue for furnishing inaccurate information on my consumer 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 2020-01-10
Company: Experian Information Solutions Inc.
State: CO
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:
According to the website Experian.com, the account XXXX this account brings out it was opened on XX/XX/XXXX and thus in XX/XX/XXXX it says this was paid, yet for a collection account, and possibly terminated for default. 

This Creditor doesn't seem accurate and thus only leaves there old info ; U.S Depart of Edu/ XXXX/ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IA XXXX XXXX this info be accurate, or an old collection sold to a different deferral student loan? And thus it states the balance amount is {$1200.00}, beginning in XX/XX/XXXX through XX/XX/XXXX, the red marking for late payments mad to 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 2023-08-14
Company: EQUIFAX, 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: LEXISNEXIS
State: FL
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: Public record information inaccurate

Complaint:
lexis nexis is unreachable by phone or online and are causing me financial harm through higher auto insurance rates because they falsely are publishing data on an accident in which I was rear ended and had no fault. It was 100 % the party behind me and I have the police report to prove it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: Incomm Holdings Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
My name is XXXX XXXX XXXX I at XXXX this morning purchased XXXX, XXXX gift cards from speedy on XXXX XXXX XXXX XXXX in XXXX Mn. I gave them XXXX CASH for XXXX vanilla gift cards and when I tried to use them 1 had ZERO on it..the second it was activated someone purchased XXXX on XXXX and the balance is 0... the 2nd one had also XXXX and when it got activated someone stole XXXX from XXXX XXXX company. The 3rd one is not yet active however I feel once it is someone will steal that as well ... vanilla visa customer care puts u on hold FOREVER..XXXX says XXXX XXXX its my problem and I even called XXXX police and they also said it's my problem..Now how do I give XXXX for 3 gift cards get NOTHING in return and it's MY PROBLEM..The same thing with XXXX happened to me at XXXX back in XXXX and XXXX said its.my problem XXXX Now how do these companies continue to sell bad credit cards and when they are confronted they say GO AWAY? WTH..is this news that they are doing this daily..it 's all over the internet ..I am out XXXX and XXXX  and vanilla won't do a thing..thanks for your time..sincerely XXXX XXXX XXXX XXXX XXXX XXXX and God bless fyi.. I called them two times tonight and waited one time for XXXX XXXX and 1 time for XXXX XXXX  and both times Vanilla gift card customer service hung up on me said that there was nothing they could do and they hung up as well ... Is this not theft? 






. 

Sent from my XXXX  XXXX Device Get Outlook for XXXX  Sent from my XXXX  XXXX Device Get Outlook for XXXX Sent from my XXXX  XXXX Device Get Outlook foXXXX XXXX

Company response to consumer: Closed with explanation