BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Im writing because I was scam on my 2 debit card from Chase bank and XXXX XXXX XXXX. I called them to explain but they told me that the person have my debit card and he used the atm machine to deposit a fake check so they couldnt do nothing about it. The problem is that I was new in this country I dont know nothing about how banks work. This guy asked me to deposit his money to my debit card so he can take out later because hes still waiting for his card. So without no hesitation and no English I told myself let me help him to cash out his money so he told me I can call my bank and let them know and I did call them and they were asking random questions since my English wasnt that much I just replying to what I know. And later I learned that my account were closed but I didnt do nothing about it because I didnt know it would be a big problem. As years passed I want to open an account with chase bank and the lady explain to me that my account was fraud and I cant longer open an account with them Since then I start asking for help and thats what people explain me that they are people scamming others. But my main concern is that I dont know whats was going on and I didnt take that bunch of money so on my report it is stating that Im a theft and its hard for me to open a credit card and I really need a credit to finish my college. If theres anything I can do to erase please I need help. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Experian Information Solutions 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES. KEEP IN MIND THAT THOSE ACCOUNTSDOES NOT BELONG TO ME.

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 2019-10-11
Company: EQUIFAX, INC.
State: MN
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:
XXXX XXXX XXXX  mailed me a letter stating that I was preapproved for a credit card. I used the EASY TO ECCPET YOUR CARD METHOD by phone, I was told that my credit card would be mailed within 2weeks ; yet I was not told that this preapproved credit card would place an hard inquiry on my credit report, I did not authorize this inquiry nor did I have any knowledge that an inquiry would be placed on my credit report. On XX/XX/2019 XXXX XXXX XXXX placed an unauthorized inquiry on my credit report I called XXXX  XXXX XXXX to inform them that I was unaware that the acceptance of a preapproved credit card would place a inquiry on my credit report, asked that XXXX XXXX XXXX remove this unauthorized inquiry from my credit report and have not received any confirmation that the inquiry has been removed yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: VA
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 CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 604 A Section 2 It also a consumer reporting agency can not furnish a account without written instructions 15USC 1681 602 A States I have a right of privacy

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 2022-04-08
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 information incorrect

Complaint:
XXXX XXXX does not have my updated XXXX score and incorrect credit information. Experian had not updated my credit information.

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 2019-10-11
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Frequently calling me across multiple different numbers, I have answered and on multiple occasions told them that due to currently loosing hours and eventually my long term job. Just today I have received multiple calls typically one after another between my cellphone and house phone. They will Call my cellphone and immediately call my house phone directly after and typically total up to 8-10 calls a day between the two devices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am writing this complaint on be half of myself an no other. I the consumer did not consent too nor authorize these inquiries that are reporting to my Transunion consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from Transunion. I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Transunion sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Transunion an identity theft report via USPS certified mail. Is Transunion above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Transunion humiliated me to the public and damaged my reputation. If Transunion can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to therapy for my anxiety because of the fraudulent activity that Transunion let concur on my consumer report. Transunion stole my identity and sold my private information without prior consent. I have a right to privacy and Transunion violated my privacy.

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 2017-10-03
Company: EQUIFAX, INC.
State: PA
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:
There are a lot of hard inquiries listed on my credit report that indicated " unknown or unspecified '' company. I asked them to removed them because I have no knowledge of what the companies are and who requested a copy of my credit report. I was notified by XXXX Agencies that there personal files was hacked and my information along with others were taken. Then when I heard about the breach in the Equifax I decided to pull my credit report to see what my reports look like. I noticed a lot of inquiries and inaccurate information that I am trying to dispute or investigate. For the past year or XXXX I have paid a lot of things off and the only thing I applied for was an automobile loan back in XXXX XXXX. How is it fair for a Credit bureau to report unspecified information without listing where the information came from especially if the source is not verifiable or validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: JPMORGAN CHASE & CO.
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:
Chase Card has made several hard inquiry pulls from my XXXX, and XXXX XXXX credit Reports without my authorization and without permissible purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX I filed a claim through wells fargo for a dating website that I spent XXXX $ on. They credited my account as I told them the services were faulty and the app kept deleting my account after I've paid all of this money. As of two days ago, XX/XX/XXXX I recieved a letter from wells Fargo stating they were reversing the credit because they didnt have enough information when In fact i gave them every piece and detail of information. So i called and had to tell them again, to reopen the claim. The next day i checked my bank and it was XXXX, as it had sucked whatever remaining funds out. I am a XXXX XXXX year old, that receives government money and can not afford to pay this without losing my living situation etc. I am trying to get on my feet and save up for my own car and this makes it absolutely impossible to achieve my goals. Wells fargo is awful. Please do something about this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: WELLS FARGO & COMPANY
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 information incorrect

Complaint:
Wells Fargo does not have my updated Fico score and incorrect credit information. XXXX had not updated my credit information.

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 2022-04-08
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Received a letter that states, " Our records indicate that a previous credit card account that you held with Barclays Bank Deleware experienced charge-off, bankruptcy, severe delinquency, or other negative performance. '' It has been beyond 10 years past my bankruptcy which is not supposed to be held against me. I have no idea when I had a Barclay 's Bank Card.

I think that this is unfair as I have worked very diligenty to repair my credit after my first divorce!

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 2019-10-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I disputed all non account holding inquiries with Experian.They did Not investigate my dispute. I reached out to all of the companies the inquiries came from none of them had proof that I authorized the inquiries. Experian violated the Fair credit reporting act by refusing to investigate all these inquiries that is not mine. I have had problems with Experian over and over again about Anything I dispute Experian is the Only Credit Bureau that will NOT DO THERE JOB they violate the FCRA for almost 2 years on all my disputes. I have contacted their attorney general and I'm going to Sue Experian for {$1000.00} for Every inquiry they have on my Credit Report. If Experian have Anything they can send me as Proof I authorized inquiries I want them to send it to me 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 2022-04-08
Company: Experian Information Solutions Inc.
State: NC
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 accotdance with the Fair Credit Reporting Act XXXX  account XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX XXXX  XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 it also stated a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Im writing because I was scam on my 2 debit card from XXXX XXXX   and Bank of America. I called them to explain but they told me that the person have my debit card and he used the atm machine to deposit a fake check so they couldnt do nothing about it. The problem is that I was new in this country I dont know nothing about how banks work. This guy asked me to deposit his money to my debit card so he can take out later because hes still waiting for his card. So without no hesitation and no English I told myself let me help him to cash out his money so he told me I can call my bank and let them know and I did call them and they were asking random questions since my English wasnt that much I just replying to what I know. And later I learned that my account were closed but I didnt do nothing about it because I didnt know it would be a big problem. As years passed I want to open an account with XXXX XXXX  and the lady explain to me that my account was fraud and I cant longer open an account with them Since then I start asking for help and thats what people explain me that they are people scamming others. But my main concern is that I dont know whats was going on and I didnt take that bunch of money so on my report it is stating that Im a theft and its hard for me to open a credit card and I really need a credit to finish my college. If theres anything I can do to erase please I need help. Thanks

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 2019-10-11
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I filed for bankruptcy in XXXX, 2011 that has since been discharged by XXXX County. I have repeatedly asked Experian to remove this from my credit report as XXXX has. The law states that it can remain for 10 years. I understand this. However, why should I continually be punished when I have an otherwise excellent credit history. I believe Experian is being unduly harsh. I request help with this situation as I am trying to qualify for a loan.

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 2019-10-11
Company: Navient Solutions, LLC.
State: LA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Pioneer Credit Recovery continuously calls my department here at XXXX, harasses staff, and leaves messages. The woman in question is XXXX XXXX and her phone number is XXXX ext. XXXX. 

I believe she is trying to collect on student loan debt, which SHOULD be in deferment since I am a full-time graduate student.

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 2022-03-17
Company: McCarthy, Burgess & Wolff, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/2022. The debt collection agency contacted my brother in an attempt to get my phone number when they have already called me multiple times. They represented themselves as a debt collector from McCarthy Burgess & Wolff. When I returned the call they will not give me any information of who they were and what debt they were trying to collect because I refused to give my address. I do not know who they are so I did not feel safe doing so and they are calling relatives that I have NO financial ties to

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony financial closed my Care Credit account a few weeks after the Covid-19 pandemic started. Because my credit score was in the " excellent '' range, and because my " on time '' payment history on all debts was 100 %, I attempted communication with the company on 3 different occasions. I was told that recent activity on the account suggested risk of nonpayment. Synchrony proceeded to close down my XXXX 's store account as well as my XXXX XXXX account a month later. This has had a negative affect on my credit score, and their stated reason for doing this still does not make sense.

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 2017-07-06
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/XXXX Citibank started offering {$300.00} to sign up for The Citibank Account Package ( checking account ) between XX/XX/XXXX XX/XX/XXXX. I signed up for the Citibank Account Package on XX/XX/XXXX online. In order the receive the bonus the offer terms stated that Within 45 days after account opening you must complete the following : ( 1 ) you must complete 1 qualifying direct deposit to your checking account OR make 1 or more qualifying purchase transactions with the Citibank Debit Card totaling {$250.00} or more, and ( 2 ) make a qualifying deposit of {$15000.00} or more in new-to-Citibank funds into the new checking account or a new or existing Citibank Savings Plus Account, and ( 3 ) maintain a minimum balance of {$15000.00} for 30 consecutive calendar days following the date when you made your qualifying deposit. Immediately after opening the account, I mailed in a check to be deposited for {$15000.00}. It took Citibank a full 23 days to deposit my check and then an additional 7 days deliver my welcome documents to my house so that I could set up my direct deposit. At this point, Citibank rendered it impossible for me to set up a direct deposit in time to fulfill their 45-day requirement. So instead I made a {$250.00} debit card transaction on XX/XX/XXXX. After the 90 days waiting period Citi had still not deposited my {$300.00} checking bonus even though I had met all the requirements as outlined above. I contacted them several 2 separate times about this issue and each time the front-line customer service rep said that I met the qualification standards for the bonus. Upon further Citibank review, they said that I did not qualify for the bonus because they consider my debit card transaction as a transfer instead of a transaction because it was marked as a money send. Looking through all documentation on what Citibank considers a transfer proved to show that this didnt make any sense. Citibank lists XXXX as a transaction type and not as a transfer type. Furthermore, the promotion sheet used by Citibank only states that the purchase must be made using the debit card to buy goods and services, which I did. Because of Citibanks lackluster turnaround time on opening my account, I was forced to make a {$250.00} purchase I wouldnt have otherwise made and eventually on XX/XX/XXXXI did make that direct deposit, unfortunately, it was 5 days past Citibanks 45-day window.

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