BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-12
Company: JPMORGAN CHASE & CO.
State: AZ
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:
Someone wrote a fraudulent check on my business account which I reported within a week of it being cashed. The person who cashed it also signed it and endorsed it with his name so nowhere on there is my endorsement or signature. However, the teller cashed it anyway. 

I lost my checkbook unknown to me until the time I noticed this fraudulent check. The checkbook had been in my glove compartment of the car however since I was using them, they could have been in my purse instead. I have no idea how the checks got removed so I can only believe that someone entered my car or the checkbook came out of my purse when leaving the car. 

I have been denied 3 times by the bank to reimburse me for this large check. One of the denials, I was told that it was due to a police report which I did get. 

By the way, I have not received ANY other responses except for the first denial. I have spent hours checking on this, calling on it and they are very uncaring. 

I have several accounts with Chase but I will be leaving them because of this. The biggest reason I have an issue is that the bank should have done diligence to see that the check was not signed or endorsed by me. Nowhere was my signature but now I am responsible for the funds that they were negligent about cashing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2019-12-27
Company: Experian Information Solutions Inc.
State: AL
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:
The Below companies acquired unauthorized access to my credit report : XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, Michigan XXXX XXXX XXXX XXXX DATES : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX/XXXX  XXXX XXXX DBA DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX  XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX via XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX Service Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Dispute XXXX, Texas XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX   DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Auto DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama 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 explanation
Consumer complaint received 2019-12-27
Company: EQUIFAX, INC.
State: CO
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:
XXXX XXXX is reporting a late for XXXX and the payment was made on the XXXX for the {$190.00} for the full amount due. I called them and they were unwilling to fix the error and honestly didn't even seem to care that it was inaccurate. On the credit report they are reporting that a payment was made on the XXXX but are reporting late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts, DPT EDXXXX : # XXXX, DPT EDXXXX, XXXX XXXX, DPT EDXXXX, XXXX XXXX XXXX DPT EDXXXX, XXXX, DPT EDXXXXXXXX XXXX XXXXXXXX, DPT EDXXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX XXXX is reporting a late for XXXX and the payment was made on the XXXX for the {$190.00} for the full amount due. I called them and they were unwilling to fix the error and honestly didn't even seem to care that it was inaccurate. On the credit report they are reporting that a payment was made on the XXXX but are reporting late

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 2023-02-09
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Since I obtained the Bread Cashback American Express Card by Comenity Capital Bank, I have not been able to access my account online to view transactions or make a payment. I got the card around or I first used the card around XX/XX/XXXX. Around XXXX I tried to create an account online to make a payment, but each time I tried the system denied my input and the following statement is given each time I try : " The information you entered does not match our records. Please confirm your information is accurate and try again. '' Each time this happens I call customer service. Sometimes customer service can not access my account or say there is little they can do to help and they open a ticket for another entity to try to fix the problem. Each time I call customer service enters a note to my account regarding the problem. According to customer service during the summer of XXXX there was a software update which affected several accounts and apparently my account was affected by this update. Late XX/XX/XXXX I was finally able to make a payment through the automated phone service. I in-turn call customer service for them to remove and credit my account for any late fee, financial charges, etc. which they did do. On XX/XX/XXXX I tried to make a payment, but the system did not recognize my account so I called customer service, but they did not see my account by the account number. They were able to see the account by my phone number, but were not able to access the account. Once again I am not able to make a payment. My biggest fear is that negative information get reported to the credit bureau and it impact my credit history and score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-21
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: Account information incorrect

Complaint:
I sent in a dispute to Experian about an account on my credit report which is ONLY reporting on Experian! I have no idea what this account is for or about. It seems like it is a " payed chargeoff ''. I submitted an FTC Report, but this account is still reporting on my credit report. Account info is list below. 

Name : XXXX XXXX Account # XXXX Amount : {$1500.00}

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 2022-09-21
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: Was not notified of investigation status or results

Complaint:
Hi this XXXX XXXX and I requested the method of verification to which I am entitled but unfortunately, you guys didn't do any of what I've been requested you to do. You guys need to get your errors rectified or I will be forced to take this to the next step should you continue holding me up. The letter was sent on XX/XX/2022 and it's been over a month now.

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 2023-04-16
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

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

Company 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 2023-02-09
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 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 is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 XXXXXX/XX/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 2022-01-21
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My mom died XXXX XX/XX/XXXX. As executor/trustee, I personally went to Union Bank XXXX XXXX XX/XX/XXXX with trust documents, death certificates, etc and closed my mom/family trust 's three Union Bank accounts, walking out with three cashiers checks. I continued to get statements showing a small balance in one account that evidently was NOT closed at the time. I contacted the bank XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I've been reassured they are " looking into it '' and that the account will be closed. I received another statement XX/XX/XXXX, so sent another email to XXXX XXXX XXXX Union Bank contact ) asking that the account be closed and that a check for {$2.00} be sent to me along with a final statement showing the account is closed. I have had no response. On XXXX XX/XX/XXXX I received yet another statement showing the account remains open with {$2.00}. Union Bank has failed to be responsive to what I think is a simple matter of minimal monetary significance ( maybe that's the problem ). As executor, I can not close out the trust until all financial accounts are closed... I am stuck and appreciate any help you may offer.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wouldnt let me deposit check some purchases wont go through and also they take money from my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/21 I sent a dispute letter to Experian. The bureau did not investigate my dispute but instead sent me a system generated email refusing my FCRA rignt to have questionable items investigated properly for accuracy. Furthermore the credit bureau has no right to refuse my investigation request on the unsubstantiated claim of using a credit repair company, also there is no law that states a consumer may not use a 3rd party nor is there a law that states I must notify the bureau of me utilizing such services as that is my right to privacy and my right as a consumer. Promptly investigate all accounts listed on letter. Please be advised you no longer have another 30 days since you failed to investigate my original request.

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 2020-02-12
Company: EQUIFAX, INC.
State: CA
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:
Equifax - I put a credit freeze on this account ( all three credit bureaus ) in XX/XX/XXXX ( when I heard about the breach at Equifax ). 

All was fine until XX/XX/XXXX, when XXXX XXXX called and informed me that someone tried to apply for credit. ( Not me. ) I called all three agencies, learned that Equifax was called by someone ( a perp, a fraud ) on or before XX/XX/XXXX, wherein Equifax believed that the caller was me, and removed the freeze. 

Then the fraud tried to apply for a card at XXXX XXXX. 

This is the second time I have had my security breached at/by Equifax. The first time likely being the Spring XXXX breach of 145 million accounts. What is the price ( cost ) for that behavior? Who pays? Who pays me for my time to straighten out Equifax 's lack of security/protocol, a far-less than professional outfit? 

I have written a letter, dated XX/XX/XXXX, to Equifax that addresses all the above. XXXX  XXXX is sending me a letter that recaps what they did ( including our conversation ). 

XXXX XXXX has issued me a complaint ( fraud ) ID : # XXXX I am seeking from you ( or the Federal Trade Commission ) a reference number so I can approach all three credit bureaus, and place an Extended Credit Block ( 7 years ) on my account ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: EMCC Holdings, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Equiant financial services. Account ending XXXX. Time share date opened on Credit report. XX/XX/XXXX between. The account was charged off at {$2500.00}. Account right off at XXXX past due as of XX/XX/XXXX original balance was XXXX for 36 months that says on my record its on my credit report to XX/XX/XXXX updated XX/XX/XXXX. I did NOT sign any time share. Nor did my husband. We went on a seminar. Stayed there three hours. After a seminar was Complete and we said no. We signed for XXXX tickets. They said we had to sign to get our XXXX tickets. Now Im getting reported from this place that I never even signed for. Equiant financial services. With no proper documents from either place. With a timeshare. Dont you get a deed to the timeshare. I dont even have a deed nor did I ever have a deed. I dont even know where to go. So why am I being responsible for this kind of price. With this company that wont take it off my credit report. Or off my husbands credit report. Ive never had proper documentation saying that I had a timeshare. Please help me fight us. For me and my husband. This is theft of services. False advertising. They are hurting us. I did the Time share Seminar at XXXX XXXX XXXX XXXX. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: United Collection Bureau, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received repeated phone calls from a debt collection agency but I do not have any delinquent debt. I generated my credit reports on XX/XX/XXXX from all reporting agencies through XXXX, verifying that I have no delinquent debt and am not the victim of identity theft. 

There have been 20 calls between XX/XX/XXXX and XX/XX/XXXX. I have blocked this phone number so the calls do not ring through, but some of the calls do generate phone messages. I have not returned their calls. From the most recent message on XX/XX/XXXX, I can report the following details : Company : United Collection Bureau Inc. 
Staff member : XXXX ( last name unintelligible ) Originating phone number : XXXX Call back phone number : XXXX Reference # : XXXX Requested action : I am being requested to return their calls at the call back number ( above ). 

Please contact this company and insist that they stop calling me. 
Thank you very much for your service and diligence.

Company response to consumer: Closed with explanation