BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-18
Company: JPMORGAN CHASE & CO.
State: NJ
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 'm a victim of a bank fraud scam. I applied for a " loan '' from someone who pretended to be XXXX XXXX. That 's whom I 'm guessing took my information. They had all my information to begin with and were putting fake checks into my account. They deposited four checks and only two was cleared. Someone made " debit card '' purchases for the same amount of {$640.00}. I did not make those transaction even though I had my card on me. Chase restricted my account and took my paycheck as well because they felt I had something to do with this. They did n't do a proper investigation. They ignored that my account was accessed by 7 different devices! 

They believed that I deposited those checks and did those transactions. They treated me so bad through this whole thing. They forged my signature as well! I even put a complaint with FTC and they still believed that I had something to do with this. Why would I go and place complaints if I had something to do with it. They refused my claims twice!! I was even told my the representative in the branch that I went to for help say.. I quote this that they technically saying I 'm at fault and it 's negligent on my part. So Chase is saying this is something I asked for!! That applying for loans to help pay my bills was my fault!! How dare they! They are disgusting! They are trying to make me pay {$740.00}!! Something I did n't do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 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 2021-02-17
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I had an account with XXXX XXXX XXXX of Jewelers. My payments were auto drafted from my account. 
XXXX sold their accounts to Comenity Bank. I never received notice of this change. Because I did things electronically the notices may had gone to my spam account. 

I called Comenity Bank and they agreed to remove the late charge. They have not. 

The dates are : Maximum Delinquency of 60 days in XX/XX/XXXX and in XX/XX/XXXX I finally just paid the account in XX/XX/XXXX because I was having so many issues with electronic statements. 

COMENITYBANK/ XXXX XXXX XXXX  XXXX  XXXX  # XXXX Phone number not available

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Report of XXXX led to theft of card ending in XXXX again. Concern is the lack of privacy and the lack of enforcement surrounding thefts of financial records regarding matters involving Bank of America ( where subject of complaint is a financial institution ), CFPB ( regulating agency receiving reports about financial institutions not administering finances according to law ) and credit reporting agencies ( third party entities receiving information reported through regulating agencies and financial institutions ). I have not authorized a third party to act as my agent in this matter or any of the other matters filed through the CFPB and with any of the financial institutions listed on my credit reporting agency for anyone to lead or instruct a third party to perform such thefts.

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 2020-02-26
Company: DISCOVER BANK
State: CA
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:
DISCOVER BANK ACCOUNT WAS OPENED AND MAINTAINED BY A THEIF, THIS ACCOUNT WAS NEVER AUTHORIZED BY ME. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT. I HAVE SENT THEM EVERY SINGLE DOCUMENT THEY HAVE REQUESTED BUT YET THEY ALWAYS TELL ME NOT ENOUGH INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
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: Account information incorrect

Complaint:
Equifax should not be reporting me as an authorized user on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: AFNI INC.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed the debt and amount that I they claimed I owed from the beginning. It was a personal cell phone bill that they claimed I owed {$2300.00}. Finally on XXXX XXXX XXXX I agreed to settle with them for {$1100.00}. In exchange AFNI agreed to remove any and all negative information reported on my credit. 
I was recently rejected for an auto loan. Upon examining my credit with XXXX, I discovered the only negative information was from this same AFNI account. 
The AFNI collection agent made false and misleading statements in order to get me to pay the {$1100.00} settlement, then neglected to remove the negative information. 

I have disputed the information with XXXX. I received notice today XXXX that AFNI confirmed the negative information. I spoke today with a XXXX XXXX XXXX, supervisor with AFNI who informed me that they never remove negative information as part of a settlement. He informed me that they will not remove the collection account from my credit. 
This constitutes a financial hardship for my family, as we are unable to obtain credit, except at astronomical interest rates. I am obligated by contract to refinance my home by this spring, and can not do it while this is still on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: A.R.M. Solutions, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a collection letter from ARM Solutions XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX. The collection is on behalf of XXXX. 

Today, XX/XX/XXXX around XXXX XXXX I called ARM at XXXX. The agent briefly introduced himself, but later refused to state his full name. 

I stated that the goal of my call was to start a dispute. The agent refused to listen to me and refused to provide me with a way to initiate the dispute. He informed me that I have no rights to start a dispute and that I have to call the creditor directly. 

He tried to confuse me by stating that their action is not collection action. 

I request that an investigation into ARM practices be performed. I also request that this collection action be terminated due to unfair practices. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
in XXXX of XXXX i took out a loan with XXXX  to purchase a vehicle. The Dealership i bought it from, XXXX XXXX in XXXX Texas asked me if i wanted to purchase gap insurance. They informed me in case of a loss this insurance would cover any gap between insurance payout and balance of the loan. i purchased the gap insurance at the dealership.the gap insurance company is XXXX XXXX  XXXX. in XXXX of XXXX i was involved in an accident and the insurance deemed the car a total loss. i called the gap insurance company to file a claim and was instructed to fill out a form and send it to them. i sent them the form and they only paid part of the gap. not all of it. now XXXX has been reporting negatively on my credit report for years. ive tried to resolve the issue with the credit bureaus and XXXX but all they do is keep updating and changing thier reporting to the credit bureaus. i feel all options have been exhausted and i need to file a complaint to get this removed from my credit report as i do not owe this money. the XXXX XXXX  owes this money not me. it is not a large amount of money owed and i have enough to pay it but i feel it is unfair that i payed for gap insurance every month and they refused to pay up in full

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 2018-01-18
Company: EQUIFAX, 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:
Someone has been applying for credit using my personal information without my authorization and consent. Someone has also opened a XXXX credit account and has been using it without my knowledge. I have filed a police report and sent multiple dispute forms to the credit bureaus ( XXXX, XXXX, Equifax ) but no one is helping me. I spoke to the bureaus and XXXX, however no one is helping me with this issue! I am a victim of identity theft and this is ruining my life! 


XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX Equifax : XXXX XXXX- Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: CAINE & WEINER COMPANY, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Caine & Weiner Company a collection agency has contacted me via mail and I 've never given them my address. They are reporting fraudulently on my credit report for XXXX, it was removed from XXXX. I was in chapter XXXX the summer of 2013 and did n't discharge until XXXX. The original creditor was XXXX XXXX XXXX XXXX which I rented as part of my Car insurance and they are saying I owe them. Which I do n't because anything associated with this car accident was included in my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Applied Data Finance, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've been attempting to submit a dispute via the website and the phone but have not had any success. They make it extremely difficult. 

The debt collector is in violation of consumer rights under the FCRA. I currently have federal charges against the debt collector. 

Please see attached exhibit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've been attempting to submit a dispute via the website and the phone but have not had any success. They make it extremely difficult. 

The debt collector is in violation of consumer rights under the FCRA. I currently have federal charges against the debt collector. 

Please see attached exhibit.

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 2019-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
USPS XXXX XX/XX/18 {$110.00} XXXX XXXX # XXXX XX/XX/18 {$13.00} XXXX # XXXX XX/XX/18 {$19.00} XXXX  online purchase XX/XX/18 {$9.00} XXXX  # XXXX XX/XX/18 {$15.00} XXXX  online purchase XX/XX/18 {$71.00} I wasnt even in the state of the purchases at the time and have shown proof that I was working in another state across the country. I have been dealing with this for four months and they are not being cooperative saying that I could have made the charges even though I have sent them my time cards from work in Minnesota showing I was working on the days of the charges in Georgia.

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 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am a victim of identity theft. XXXX XXXX XXXX, XXXX has fraudulent accounts on my credit profile that needs to be removed immediately.

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 2019-05-14
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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 24 and 25 of the attached credit report. ) This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: EQUIFAX, INC.
State: TN
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:
XXXX sent my medical bill to collection on XXXX XXXX2016 which is clearly a violation of the HIPPA law. At the time of the service I was covered under insurance which I called XXXX several times to inform them of my insurance information. This is affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: TRANSWORLD SYSTEMS INC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld Systems is acting as a collection agency for the State of Wisconsin to collect state income tax from me for a seven-year period for a total of {$12000.00}. The only sale I have made to a company in Wisconsin is one for {$3400.00} in XXXX. ( See the attached invoice. ) I have no sales presence, resellers, stocking sellers or any company activity located in the State of Wisconsin. All my sales are internet sales. I have never been to Wisconsin. 

I have patiently explained all of this in detail to the State of Wisconsin and Transworld Systems, but keep getting auto-replies. I pay state income tax in the state of Idaho where my home-based business ( XXXX XXXX ) is located. I owe nothing to the state of Wisconsin or Transworld Systems. 

Transworld 's latest letter was XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Address : XXXXXXXX XXXX XXXX XXXX  XXXX, FL XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/2019

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 2021-02-17
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RE : Truist aka Suntrust. Loan # XXXX Property Address XXXX XXXX XXXX XXXX, Ga XXXX Map # XXXX XXXX In spite of taking funds out of my escrow account to do so the Bank has not paid my City of XXXX, GA property tax or my XXXX County property tax both of whom are threatening to put a Lien on my property. I have contacted the Bank on XX/XX/2021, XXXX and XX/XX/2021 and was told that they would research the issue and reach out to the taxing authorities in the meantime. I contacted the taxing authorities on each of those dates and was told that the taxes have not been paid and no one from the Bank has ever contacted them. My address is XXXX XXXX and my neighbor 's address is XXXX XXXX. It is my belief that they used the wrong address and map # when paying taxes but have failed to straighten this out.

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 2018-01-18
Company: JPMORGAN CHASE & CO.
State: OR
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 have had a long going history with Chase for years and have excellent credit and I have even paid annual fees lately for recent credit cards. I noticed today that they shut all my accounts down. They said its because I have had too many accounts opened in the past year. There has been no fraudulent activity or abuse. I am extremely upset, as i use these accounts often for travel. I recently paid XXXX annual fee for a XXXX XXXX card as well, they closed this account and will not refund the fee. Please help and have them reinstate my accounts or I will seek legal action. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-08
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I purchased a watch in XX/XX/2021 that I never received. PayPal refused to help me so I had to submit a dispute with my credit card. On XX/XX/2021, my credit card closed the dispute and charged me again for the purchase. On XX/XX/2021, PayPal claims they received a notice that my chargeback was approved and they submitted the money to my credit card. My credit card denies receiving any money from PayPal and PayPaXXXX has refused to provide any proof of the refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-18
Company: BB&T CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I aquired a auto loan from XXXX XXXX XXXX on XX/XX/XXXX. I  was on time with my payments and was in good standing with my loan. I was involved in a car accident in XX/XX/XXXX where my car a XXXX XXXX XXXX was totaled. The accident was reported to as being the other persons fault and they were ordered to pay for the car. What the other persons insurance did not cover was taken care of by my gap insurance. I have recently checked my reports and on all three credit reporting angecies XXXX is reporting a balance and the debt as a charge off and this information is inccorect because it should be reporting a XXXX  balance becuase they were paid by both my insurnce company and the at fault party.

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