BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Someone used a fraudulent check with their own writing and completely wrong signature to cash out {$2100.00} from my Chase checking account. The bank refused to help me with the reason Im not careful with the check! Please help we work so hard for it and it almost XXXX time!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I spoke with a customer service representative for Wells Fargo and asked them if I could mobile deposit my fianc check into my account because he doesnt have a active checking account they advised me that it was possible as long as he endorsed it on the back so we followed the instructions and it cleared and I shredded the check as we had no use for it once it posted. On XX/XX/XXXX I got a alert on my account that my account was overdrawn by XXXX dollars due to a duplicate mobile deposit to my account so I called the customer service to investigate and went into the branch and no where does it reflect anywhere on my account or statements since XX/XX/XXXX of a duplicate mobile deposit for the same check that was deposited on XX/XX/XXXX for the amount of {$300.00} dollars. So they said they had 10 days to investigate they sent me a letter stating that the check was now deposited on XX/XX/XXXX into a other account at wells Fargo which is impossible because it was shredded and disposed of almost a year ago. The story doesnt add up because first they stated I mobile deposited it twice and then now someone else who isnt my fianc deposited into a account at Wells Fargo when he doesnt have a account with you and I only have the XXXX checking account how could they have done that without it flagging that the check has already been deposited almost a year ago to my account? How did Wells Fargo create XXXX different scenarios when if someone tried to deposit a duplicate check to their account they would get fined and not the person who it has already posted almost a year ago this is a internal error or fraud Ive spoke with many people who say Wells Fargo has many lawsuits for this type of scam.

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 2020-03-30
Company: EQUIFAX, INC.
State: ME
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:
I disputed the account for XXXX XXXX, XXXX ( collection agency ) along with the original account owner of XXXX XXXX Bank on my XXXX  credit report on XX/XX/2020. They reported that the information was correct and was verified as such, even though it is not. After filing a claim with the Better Business Bureau I received an email and postal mail response stating that these accounts are not correct and will be removed from my credit reports. However, XXXX  is still reporting both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested thru AnnualCreditReport.com my yearly FREE credit report on Equifax TWICE and NEVER received my FREE Report. When I was able to get an Equifax report by paying for a service elsewhere, then several times I tried to " Dispute Equifax '' on the Equifax website. Their " Dispute Equifax '' form opened up ( XXXX XXXX XXXX ) but unless you had a 10-Digit complaint number, The website form would never connect and it would get you no-where.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, 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 have taken the necessary steps to address this issue by reporting the false information that has been disclosed. As a victim of identity theft, I want to emphasize the significant stress and financial burden that has been placed upon me due to the inclusion of products that do not pertain to my identity and for which I am not responsible. It is imperative that this complaint is handled appropriately ; otherwise, I will be left with no choice but to initiate legal proceedings. These false and fraudulent entries on my consumer report have had a detrimental impact on my ability to fulfill personal aspirations, such as purchasing my dream car, and provide necessary support for my fami

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15
Company: EQUIFAX, 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am getting repeated robo-calls from XXXX - Harris and Harris Ltd . They ask me to call back at XXXX. 

I don't have any outstanding debts, and this is just a harassing scammer that won't stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: SYNCHRONY FINANCIAL
State: NY
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:
credit card was settled on XX/XX/2022 for the amount of {$710.00} card is still showing on my credit report for {$1100.00} I received the 1099-c of cancellation of debit I have contacted the company and the credit reporting but no one has helped

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 2022-05-21
Company: EQUIFAX, INC.
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 XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made online payment to Macy 's on XX/XX/21 of {$200.00}. The amount was deducted on XX/XX/21 from my XXXX  XXXX XXXX checking account. The amount has not been applied to my account and the agent informed me that the amount is on authorization hold until XX/XX/XXXX. Why? It wasn't a check. it was an ACH payment. What reason could there be to place the amount on hold for 10 days?

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 2023-06-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I purchased my vehicle through All approved auto sales, and they informed me that I was allowed to obtain a vehicle for {$20000.00} in which I just came across that the loan was immensely impacted and that what I signed off on was not what I expected to, and I tried to refinance my vehicle due to hardships, they told me that there was nothing they can do. The car is only worth {$10000.00}, the payout owed is {$34000.00}. Because I was behind on my payments, they stated that I had to pay more than what I was already paying, they do not work with you. I can't even trade the vehicle in because I'll still owe a lumpsum that's deterring car companies to turn me away because of the negative equity. My credit is heavily impacted by them, and I can no longer afford these payments. I was also told that I had GAP coverage and, on the payout, quote I was informed that I don't. I were scammed through All Approved Auto Sales in XXXX, NJ and I am looking to seek legal services in regard to this matter.

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 monetary relief
Consumer complaint received 2020-12-19
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX and I am filing this complaint about Chime about unfair judgement. 

I sold something online for someone by name XXXX XXXX and she paid me using her chime card and I shipped the products to her. She later filled a dispute with Chime lying that the transactions were unathorised and now chime is trying to take the funds back. 

I use XXXX to process my payment and I got a notification that a customer has opened a dispute and stated unathorised transactions. 

When XXXX XXXX contacted me and made the payment, I asked her if she was the one who owns the card she used and she said yes, then I asked her if she could provide any evidence to proof her identity and she said yes. 

She provided her drivers license front and back for documentation, and she also sent a selfie holding her drivers license, she also sent her Car Insurance Bill as a proof of address and she told me the payment will come from her chime card and she assured me that she will not dispute the transactions. 

She also wrote her SSN to proof that she was the one made the payments. 

But she lies to her bank that she didn't make the payment claiming it was unathorised so she can get the funds back. 

I already shipped the item to her and now I do not want to lose the money and my products. 

I have attached a screenshot of our conversation including all the documents she sent to me for evidences and documentation. 

She signed a contract assuring me that she will not dispute the transaction in the future and she assured me that her bank will not dispute the transactions in the future too. 

I need chime to know that she made the payments. 

I have sent an email to chime to explain the situation but no one is responding

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Medical Data Systems, DBA Medical Revenue Service erroneously submitted to the Credit Bureau a debt that has no basis, validity nor any legal action, nor have I ever received a response from XXXX XXXX to any of my numerous correspondence regarding this disputed charge. I am enclosing the letter that I sent on XX/XX/XXXX upon receipt of their collection attempt on a bill that I disputed in XXXX with no response from XXXX XXXX. I disputed this bill and I have contacted XXXX XXXX  XXXX XXXX that is now XXXX on many occasions in writing regarding this issue. The first letter disputing this bill is dated XX/XX/XXXX well within the 30-day window of service date of XX/XX/XXXX copy enclosed. I have written many more letters that have gone unanswered. All of my letters are presumed true and accurate as no rebuttal was ever received and not in the 30 days prescribed by law. I further informed XXXX XXXX that they had billed XXXX XXXX XXXX. I have never had XXXX XXXX XXXX  XXXX, and in XXXX I had health insurance through XXXX which is XXXX XXXX of Arkansas. I informed them that it would seem that they had submitted the bill to XXXX XXXX XXXX and been paid as that was the information that I was provided before service that there would be no charge by 3 separate XXXX XXXX representatives as this was covered 100 % under my plan as preventive. It appears that they are trying to double bill and at the very least they have no clue what they are doing. Nevertheless, the point is now moot as they have never responded to any of my correspondence, and more than 3 years have elapsed. 

I need your assistance to investigate this as a violation of the Fair Credit Act as there is no grounds or basis nor was there any legal action. The mere fact that Medical Data Systems DBA Medical Revenue Service was informed in writing on XX/XX/XXXX that this debt was in dispute and not valid with proof provided that this debt was in dispute since XXXX and the dispute was within the time frame provided by law. Yet they disregarded this and without just cause reported as collection with the credit bureaus.

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 2020-12-19
Company: Conn's, 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: Problem with personal statement of dispute

Complaint:
XXXX  shows that Conns home plus is paid off in full On my credit report which it is and Conns will not close the account. I have continuous issues with Conns snd I refuse to pay them anymore this account is paid in full! Attached are photos of my credit report that was previously sent to Conns also showing paid off. They need to close this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Risecredit, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Rise credit s based in XXXX XXXX Texas, They did not reveal the apr @ the time of the paper work plus they are charging av rate of 125 % apr and XXXX a day percent on a loan I did not know that at the time of the loan they are charging my account over a 1000.00 a month with nothing going toward the principle of the loan. I am a XXXX XXXX XXXX XXXX  vet and have a lot of medical issues. now they want to send me to collections isn't this predatory lending

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: EQUIFAX, INC.
State: TN
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX, XXXX, DEPTEDXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXX***Balance : {$800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX Balance : {$500.00} ; XXXX XXXX XXXXS ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$750.00} ; ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} ; XXXX XXXX XXXX : {$1700.00} ; XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-13
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: Information belongs to someone else

Complaint:
This account has not been proven to be mine, I don't know what this is. I don't want this gone from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Company refuse to investigate and provide a copy of the original sign consumer contract. I have recent complaints on here that has evidence of the failed investigations XXXX responses that I have gotten ). This is improper use of my report. I will seek litigation.

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