BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Chase credit card has changed their credit card so they they can charge cash advance fees on transactions that are " Cash-like transactions '' even though these are proper credit card transactions that Chase charges their regular fees to the merchant. Examples that Chase has cited, and has charged me for only in 2020 forward is for person to person money transfers ( payments for services ), account-funding ( like freelancer, or payments for service on XXXX ) and transactions that include currency transfer. Also included is using a 3rd party service for bill payments. 

These transactions are not cash advances. And hence should not treated like cash advances. The full credit card merchant fees were paid. Chase is trying to make more money from made up fees and taking advantage of the consumer. 

These types of transactions have been happening on XXXX for decades and other companies. Chase is trying keep a monopoly while squeezing out the other competitors. 

And they are trying to make more money off fees instead of legitimate banking. 

Visa has allowed a MERCHANT category for these transactions. However this is a MERCHANT categeory and not a Transaction category which would show if this is a real cash advance or not. 

Chase has no additional cost to these regular transactions as they are simply a credit card transaction like a purchase of anything else. 

Chase needs to be stopped from gouging the consumer with these extra fees that are hard to even assess when I am making the transaction to pay for a service. 

XXXX card has no such fees. nor do their try to take advantage of the customer with all these obtuse fees. I have not checked the other credit card companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2021-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I was scammed over the phone by XXXX XXXX  on XX/XX/XXXX when they said that they worked for XXXX XXXX stated they would sell XXXX  three weeks of that I had accumulated. I need to pay XXXX $ and in return they would pay me XXXX $ for each week that they would rent.After using my Bank of America credit card to pay the XXXX $ I immediately called my bank and open a Fraud claim we also changed the card number.In XX/XX/XXXX Bank of America fraud department paid for the scam, I called their fraud department to reopen the fraud claim.XXXX XXXX Bank of America denied my fraud claim again and sent letters and made phone calls demanding payment along with reporting the charge to the credit reporting agencies.Take it I have been banking with Bank of America for more eighteen years.

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 2023-09-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally dispute inaccurate information on my XXXX credit report, which I initially contacted XXXX about on XX/XX/XXXX. To this date, XXXX has not responded to my inquiry. The following are the details of the inaccurate information and the required corrections : The following account does not belong to me : Account Name : SBA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500000.00} I kindly request that XXXX removes this erroneous account from my credit report. 
The following account has never been late : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Balance : {$12000.00} I request XXXX to correct and update this inaccurate information on my credit report 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 2023-09-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally document my dispute with Experian regarding inaccurate information on my credit report, which I initially contacted them about on XX/XX/XXXX. Despite my initial contact, I have not received a response from Experian to date. I am providing the details of the erroneous information and requesting the necessary corrections : Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Balance : {$12000.00} The above account has never been reported as late, and it is essential that this inaccurate information is corrected and updated promptly on my credit 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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
My personal car was broken into and personal information was stolen. information included XXXX, social security card and birth certificate on XX/XX/XXXX. A police report was filed and 2 days later I froze my credit score and placed a fraud alert on my credit. The thief, however, was still able to open a credit card and account with XXXX XXXX bank and over-drafted the card for a total of {$620.00} with my personal information. The thief also used another address and phone number to open this account. An address and phone number I've never had or seen in my life. I currently have a fair/poor credit score because of this and all three credit bureaus are reporting the account on my credit report as " charged off ''. I'm trying to get the XXXX XXXX credit card account removed off my credit report and move on in life. I've opened investigations with all three credit bureaus regarding this matter and have also opened an investigation with XXXX XXXX on XX/XX/XXXX. I submitted a digital copy of the police report to all three bureaus on XX/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 2023-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Someone stole my identity and purchased a car through a dealer named as XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX TX XXXX. This dealer submitted a credit application to many auto loan companies for hard inquiry on XX/XX/2023. 
I contacted the dealer for the details on XXXX XXXX for XX/XX/XXXX inquiry and discovered that the thief used a counterfeit driver license with my name on XXXX XXXX. 

I filed the identity theft case with FTC ( XXXX ) for XXXX XXXX ( Dealer ) and XXXX XXXX XXXX on XXXX XXXX, 2023. I filed a police report with XXXX XXXX CA XXXX Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. 

Along with XXXX XXXX and XXXX XXXX XXXX, XXXX more financial companies made hard inquiry on my credit report due to this fraudulent deal on XX/XX/2023. 
The hard inquiries submitted on XX/XX/2023 are all fraudulent which I do not recognize. 

I have been or am individually contacting all companies involved to report the identity theft issue and fraudulent inquiry but some of companies are not reachable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: 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: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out to Equifax reporting agency as well as XXXX XXXX reporting agency in regards to several inquiries that are Invalid. I have reached out to Equifax and successfully gotten these invalid increase delete it from my Credit report. Upon contacting Equifax and XXXX XXXX they consistently attest that these inquiries are accurate and will not be removed until said date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
National Credit Adjusters has falsified a debt on my credit reports. No notification was provided in regards to this debt. They parked this debt on my credit report and have re-aged this debt which once again violates the statue of limitations. They are reporting this as a new delinquency. I have never been notified of this debt. FCRA requires debt buyers to notify me when they report negative information to a CRA, this practice violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent XXXX XXXX XXXX XXXX a letter regarding account number XXXX asking to verify and validate debt. I was notified that this account was verified with no proof of original contracts with my signature. no fair and thorough investigation was conducted. 
this account has also been on my account for 7 years from my understanding its suppose to drop off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: Experian Information Solutions Inc.
State: GA
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:
My name is XXXX XXXX XXXX. I file a dispute letter with Experian, XXXX and XXXX about a loan on my credit file that is charge off around XXXX XXXX. XXXX XXXX Account Number # XXXX around XXXX XXXX XXXX deleted this item form my file, Experian and XXXX didn '' t take this item off my credit file. This item is still on both file on this day. Around XXXX XXXX my wife send a letter to XXXX XXXX to show we own the debt. They send her a letter ask for information. The dispute l sernt to Experian and XXXX were 609 and 611 FRCA.

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 2022-02-10
Company: CCM Finance LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XX/XX/18 purchased car from XXXX XXXX XXXX & gave XXXX down ( CCM financial llc ) XXXX I spoke with CCM and asked them to take payment. 

XXXX they repod the car. 

XXXX I called CCM and asked why they took if they were supposed to take payment. From my debit card got hung up on & when I called again they were closed XXXX called again and got out on hold and then forwarded to a vm. Left vm XXXX called & requested the total amount due XXXX order to redeem the car, & planned to make the money gram payment same day, lady told no can do theyre deciding to close out my loan for good with no option for redemption and were unable to give me any more information and hung up on me. Called back and continued to be hung up on saying you dont have an acct with us we cant take your call XXXX I called for an explanation of why they werent wanting to let me redeem my car, and asked why I havent been called or sent any letters or anything and they said theyre not required to disclose anything to me since my acct is closed. 

XXXX I called to ask about my things that were in car and got hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I discovered XXXX XXXX XXXX # XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification or validation of this debt after disputing it. Please delete this item immediately for its a violation under the FCRA. ( See attached documents proving that the debt was deleted after disputing ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have information appearing on my credit report that I need deleted/removed it is not accurate. My name is XXXX XXXX please remove any variations of my name. My current employer XXXX XXXX XXXX XXXX XXXX. The following addresses are not mine/inaccurate please delete : 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 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 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION 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 2020-03-06
Company: I.C. System, Inc.
State: GA
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:
XXXX  XXXX XXXX Acct # XXXX* For {$770.00} I filed a dispute with credit bureaus with issue not being resolved. This not accurate information and this account does not belong to me. Please remove from my credit report 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 2021-02-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My wife died. XX/XX/XXXX. Spoke with Wells Fargo estate care center by phone, given case number, instructed to see banker at local branch with death certificate to close account. It took over a month for a banker to return the call. Appointment was made on XX/XX/XXXX for XX/XX/XXXX, XXXX XXXX, told to ask for XXXX. Arrived at XXXX XXXX, a bilinqual employee was speaking to someone in XXXX, a XXXX customer tried to get his attention and she spoke to him in a rude manner. He finally acknowledged me and acted like I was an XXXX when I told him that I had an appointment. Says that XXXX isn't there and that they do not close bank accounts for the deceased there and walks off. I call the estate care center again to tell them what is happening and she is just as dumbfounded as I am. She asks if there are other bankers on duty, which I replied that they didn't say. By then a female employee is standing there while I am speaking on the phone, so I ask her if there are other bankers on duty. She says that there are two. The estate care center suggests that I try another branch, the employee overhears this and says that the other branch is not open. I mention that I'm going to file a complaint, then the bank employee says that she would see if a banker would help me. She came back and said that the bankers were with customers, and to give them ten minutes, After 15 minutes, for a total of fifty minutes, I left. A very inconfident, rude and XXXX staff. Been banking there for twenty-five years and I don't even feel comfortable stepping foot in their parking lot again.

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 2023-08-13
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
Someone stole my identity and purchased a car through a dealer named as XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX TX XXXX. This dealer submitted a credit application to many auto loan companies for hard inquiry on XX/XX/2023. 
I contacted the dealer for the details on XXXX XXXX for XX/XX/XXXX inquiry and discovered that the thief used a counterfeit driver license with my name on XXXX XXXX. 

I filed the identity theft case with FTC ( XXXX ) for XXXX XXXX ( Dealer ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I filed a police report with XXXX XXXX CA XXXX Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. 

Along with XXXX XXXX and XXXX XXXX XXXX, XXXX more financial companies made hard inquiry on my credit report due to this fraudulent deal on XX/XX/2023 
The hard inquiries submitted onXX/XX/2023 are all fraudulent which I do not recognize. 

I have been or am individually contacting all companies involved to report the identity theft issue and fraudulent inquiry but some of companies are not reachable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and 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 non-monetary relief
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX  Account number : XXXXXXXX XXXX Account number : XXXX, XXXX  XXXX Account number : XXXX, XXXX  XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXXXXXX Account number : XXXXXXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXXXXXX XXXX XXXX Account number : 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 a 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