BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-05
Company: JPMORGAN CHASE & CO.
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 twice by a merchant for {$39.00} each on XX/XX/2021 and XX/XX/2021 ( please see attached ). I contacted the merchant, and they agreed to credit me 1 ) {$39.00} and 2 ) {$38.00} and going forward they would just charge me {$1.00} a month. 

I contacted Chase Freedom Visa and placed the 2 charges of {$39.00} into dispute. Subsequently, I received a merchant credit of {$39.00}, and Chase Freedom provided a credit of {$38.00}. 

A few days ago, I received a letter from Chase Freedom informing me that they were reversing the {$38.00} credit, because I had received one credit of {$39.00} from the merchant. 

Chase Freedom mistakenly assumed that only one transaction was being refunded, when it fact, both the XX/XX/2021 and XX/XX/2021 transactions were being credited back : the XX/XX/2021 transaction was being credited back {$39.00}, and the XX/XX/2021 transaction was being credited back {$38.00}. 

I called Chase Freedom and was unable to re-secure the credit of {$38.00}. even though it is an error caused by Chase Freedom 's dispute department. 

Chase Freedom charged back the {$38.00} to my credit card account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-14
Company: ACIMA CREDIT, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX somewhere in New York at the store XXXX XXXX XXXX a lease was applied for in my name using an email and phone number that is not mine. They applied for a lease through the company Acima, a lease to own company in my name. They also used an address in New York and I don't live in, never traveled to, or been in the state of New York-I live halfway across the country. I am now in default of this lease and it is negatively impacting my credit score and is now 60 days past due and is in collections. 
I contacted Acima today, on XX/XX/XXXX and Acima will not help me dispute this. They told me to contact the credit bureau reporting it, that is helping but I need this taken off of my credit report. Acima is doing nothing to help me and it took 3 phones calls and 3 representatives to even get the name of the vendor : XXXX XXXX XXXX, they weren't going to release it to me. I also had to beg for an email address that isn't tied to me at all. They treated me like the criminal. 

ACIMA Account XXXX XXXX Date opened XX/XX/XXXX Balance as Balance updated XX/XX/XXXX {$5900.00} Original balance {$5400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Online offer was issued in my name, after reports made about returns to outside merchants. This Merchant lead me to believe, corrections would be made but never was. I notice amount kept increasing and I was not using the credit card. I contact them again about the ongoing increase this Merchant failed to correct but lead me to believe everything would be taking care of and for me not to worry this Merchant filed to credit report instead of making correction clearing balance. As of XX/XX/2023 this Merchant for years now have fraudulently continue to report this information this has harmed me in a great way. Merchant is under a bank that extended credit to me for account was opened using my name. I am now blocked from any increase credit due to the fraudulent account Merchant keep reporting. I notified credit bureau years ago but they keep allow Merchant to make reports of owing balance when I owe nothing, Merchant failed to handle account in my name for fair investigation, plus allowed ongoing billing to be added to my name leaving a balance of XXXX I never charged this amount and asking for removal and never to be reported using 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 explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: LA
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 have 2 accounts on my report by XXXX XXXX  showing closed one since XXXX an the other XXXX however the Bureaus are still reporting them as delinquent and past due. Please have these accounts deleted and updated asap.

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 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$890.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2023-10-05
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I deposited {$2000.00} ( 20 bills of {$100.00} each ) into the Chase Bank ATM located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). However, an error occurred on the ATM screen, and the ATM did not recognize the money I deposited. When I checked my account, I found that the {$2000.00} was not deposited. 

I immediately called the Customer Service center using the phone number listed on the receipt. The customer service representative verified the Term ID and sequence number on the receipt and assured me that the investigation would be completed by XX/XX/XXXX, and the {$2000.00} would be deposited. 

However, I did not receive any contact until XX/XX/XXXX. On XX/XX/XXXX, I called the Customer Service center to inquire about the status of my claim. The representative informed me that the investigation was still pending and would take more than 10 business days to complete. 

As of now, I have not received any credit or refund from Chase. I hope my issue can be resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: AL
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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. 
XXXX XXXX XXXX : {$0.00}

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 2017-06-10
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Creditor contact detai ls : National Credit Systems,   XXXX .  XXXX   XXXX ,  XXXX , GA  XXXX   (   XXXX   )   XXXX . Reporting a open date to my credit on  XXXX   XXXX ,  2015. Ori ginal creditor :  XXXX   XXXX   XXXX . I do not have any knowledge of this debt. I have never received any communication notifying me of this debt and their actions to place this debt on my credit, negatively impacting the reputation of my credit worthiness and livelihood, prohibiting me from being able to secure stable housing for my family and I. I request written validation of this debt including contracts between the creditor and I and valid signatures. I request that this property remove this derogatory mark from all three reporting credit bureaus and allow the chance to secure validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Maximus Education, LLC dba Aidvantage
State: VI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/2023 received a email stating my loan is discharge. I went online on the portal in I see adjustments on the original loans but not on the consolidated loans. I need the adjustments on the consolidated loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XXXX XXXXXXXX Balance : {$900.00} ; XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX Balance : {$9900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$47.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$58.00} ; XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-03-14
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It's been information that I consider private information and I don't want shown on my consumer report and also I have some accounts that shouldn't be reported on my consumer report. They also broke some FCRA laws that I noticed.

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 2023-06-07
Company: Block, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hi, I signed up to use cash app to receive payments about a month ago and when i went to withdraw soe moey last night it read that i could withdraw XXXX. When i asked their support, which is only through chat on the app, they were less than helpful and advised as i'd reached my limit of withdrawing and sending of XXXX a month i couldn't withdraw. I know this is untrue as I've withdrawn XXXX and XXXX over the past two weeks and i've only ever sent two payments since i opened the account of 1 each so i know this isn't correct. When asked about this they just ignore your question and say we cant help. The app allows XXXX a week to be deposited and they're now saying i cna only withdraw XXXX a month, this has to be illegal and goes against what it says on the app the limits are. They're witholding over XXXX of mine and wont allow me to withdraw. I know this is a scam. I'm based in the XXXX but cash app is based in XXXX XXXX. I need help to get my money out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08
Company: EQUIFAX, INC.
State: IL
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 ; XXXX and XXXXXXXX  are reporting incorrectly the XXXX XXXX  partial account number XXXX on my credit report. ( Please see pages 2 and 3 attached. ) They are reporting a balance on the card that was charged off even though they have sent it to a third party collection agency. This is illegal. I believe that someone fraudulently used my card. I have contacted the bank and they can't give me any information. I previously filed a CFPB against XXXX XXXX XXXX on XXXX reporting that this credit card partial account number XXXX - had been used fraudulently. This card does not belong to me and I never opened this card. I have attached the letter from XXXX of OHIO dated XX/XX/2019 XXXX Account number XXXX - referencing partial account number XXXX. This letter is simply confirming a balance on this account of {$930.00}. There is no confirmation in this letter that this account belongs to me. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI
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:
I used the OneMain website to inquiry about their personal loans and their website is very clear that it will be a soft pull on your credit report. They in turn did a hard pull. I twice asked them about this and they gave a standard answer. I have attached all documention and have sent letters to all 3 credit reporting agencies to have this inquiry removed. All pertinent information and proof is on the letters I have provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Their investigation did not fix an error on your report

Complaint:
During several months in 2022, I have contacted the credit reporting agencies with various inaccuracies on my credit file. The agencies have not resolved the errors at all and just list erroneous comments that should all be removed. 
. 
In accordance with the fair credit reporting act the following companies have violated my rights by listing multiple inaccuracies on my credit file : XXXX XXXX XXXXXXXX XXXX ( account # XXXX ) - Is listed on my credit without my consent. Service was never rendered and equipment returned. The status and comments are inaccurate and should be removed. 
XXXX XXXX ( account # XXXX ) - The status is not derogatory and comments are inaccurate and should be removed. This account was sold to another lender. 
XXXX ( account # XXXX ) - The open account dates are inaccurate. The account was closed. The status and comments are inaccurate and should be removed. 
XXXX XXXX ( account # XXXX ) The status and comments are inaccurate and should be removed. The car was returned and no balance is due. This finance company is involved in predatory practices and engages in constant harrassment. I was listed as a cosigner without my knowledge. 
XXXXXXXX XXXX  ( account # XXXX ) - The status and comments are inaccurate and should be removed. This XXXX XXXX has another name listed on the account. This financial institution engages in constant harrassment tactics. 
. 
One or more of the following FCRA laws have been violated : >> 15 USC 1681 section 602-A states that I have the right to privacy.

.

>> 15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent.

.

>> 15 USC 1681i - Procedure in case of disputed accuracy states that inaccuracies must be removed if inaccurately reported, for any and all reasons. I have provided multiple reasons and inaccuracies. 
. 
>> One one address should be listed on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( and no other address should be listed. Only on phone number should be listed on my credit file : ( XXXX ) XXXX ( and no other phone number ).

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 2023-03-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Between XX/XX/2023 and XX/XX/2023. The settlement was completed online. The agent stated they won't removed my card or give me settlement letter stating that the settlement and the remaining balance won't be sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Tower Loan of Mississippi, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In XX/XX/2023, XXXX XXXX of Tower Loan discriminated against myself by deciding he was more qualified than my psychiatrist when he dismissed the status of my mental and emotional health as mere trigger words, intending to paint the company in a negative light, as if harassing someone at their place of work and coming to their house at XXXX made them look like heroes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: WELLS FARGO & COMPANY
State: CA
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:
On XX/XX/2023 I open a claim against XXXX XXXX because they sent me damaged shoes and wouldnt take my return. Wells Fargo sent a letter today XX/XX/2023 that they would not refund me anything because damaged goods are not XXXX responsibility and its the shipping services fault and Wells Fargo wouldnt help me. 
They denied my dispute claim and closed 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 explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to remove these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XX/XX/2021 XXXX OF XXXX XX/XX/2021 XXXX OF XXXX XX/XX/2021

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 2023-06-07
Company: D2 Management LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On Monday, XX/XX/2023, I received a text from XXXX stating " Your XXXX XXXX XXXX account has been referred to us for resolution. XXXX XXXX XXXXXXXX. Stop=Unsubscribe. '' Not knowing what this was about, I entered the link on my computer. The link then goes to an account with a company entitled D2 Management with my name and a dollar amount they say is owed with options to pay. After unsubscribing to all texts, I immediately sent a letter to the email address on the website ( XXXX ) with a letter attached advising them to stop all communication. Today, XX/XX/2023, I received another text from the same phone number stating, " Let 's find a mutual resolution. Choose an option that works for you. XXXX XXXX XXXX. Stop=Unsubscribe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: WLCC
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Apex manage services contacted my employer and my employer said I have a garnishment that I have no idea what for. Over XXXX dollars

Company response to consumer: Closed with explanation