BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A fraudulent wire transfer had occurred on XX/XX/2021 of {$60000.00} to a recipient that I do not know in XXXX, Florida. I can provide more information upon request. I did NOT authorize this wire transfer nor do I know the recipient. I believe that my online banking account has been compromised and that money was wired from my account without my knowledge. I was first notified by my father of the fraudulent wire transfer and immediately contacted Chase Fraud Claims to stop the wire transfer and to try and freeze my account. Claim REF # XXXX. The next morning, I went to my local Chase bank to fill and submit the requested Forgery Packet for my claim. I was told by the bank teller that there was still ongoing activity of a {$20000.00} money transfer from a family joint account and an attempt to wire another {$30000.00} from my personal account of which was blocked due to the account being frozen. I called Chase Fraud Claims again to notify them of the unauthorized transfer I have since changed all my online banking information and filed a police report with XXXX XXXX Police ( Report # XXXX ) in hopes to stop all activity and protect my identity. The fraudulent wire transfer needs to be reversed as it was NOT authorized and should have been flagged due to limits on the account. I have never wired money from this account and this is an act of wire fraud. I have followed all instructions and cooperated with Chase by filing an affidavit, notary, and police report to progress the investigation. Each notice that was sent to me, I always contacted Chase in a prompt and timely manner. This was after I called several times to follow up, but they would never update me. After finally getting an update, Chase deemed that the " wire recall '' was unsuccessful, and that they can not get my money back. They have tried this attempt a few times. This should have been done the day of, not several weeks after the fradulent transfer. I never received a temporary credit to my account while this investigation was ongoing. I was told by Chase that this would be resolved in 5 business days, yet I was never updated at all. Please feel free to reach out if you need any further information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2021-11-19
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX  XXXX XXXX XXXX Balance Owed : {$500.00} XXXX  XXXX XXXX XXXX Balance Owed : {$9300.00} XXXX Balance Owed : {$1300.00} XXXX XXXX Owed : {$160.00} Date Opened : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, XXXX, and Equifax illegally furnishing collection inquiries on debt without written permission. Lack of confirmation regarding the legitimacy of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXXXXXX XXXX XXXX INQUIRY-XXXX  XXXX, 2023 XXXX XXXX XXXX : INQUIRY- XXXX XXXX XXXX XXXX XXXX : INQUIRY- XX/XX/2023 XXXX XXXX : INQUIRY- XXXX XXXX XXXX 2023 XXXX XXXX : INQUIRY- XXXX XXXX, 2023 I did not authorize any of these inquiries ive been a victim of identity theft and its putting a hold on life, ive contacted each merchant to only get no response. So Remove these fraud items from my 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 2023-10-05
Company: EQUIFAX, INC.
State: GA
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 HAVE REACHED OUT TO EQUIFAX XXXXERVERAL TIMES THROUGH CERTIFIED LETTERS, PHONE CALLS.THEY STILL HAVE NOT DID ANYTHING TO RESOLVE THIS MATTER .ORIGINAL CREDITOR UPGRADE NOW IN COLLECTION WITH XXXX XXXX XXXX HAVE A REPORT FROM LAW ENFORCEMENT, FTC REPORT THAT I SENT THEM.THIS MATTER IS HINDERING ME AND CAUSE A GREAT DEAL OF EMTIONAL STRESS. I AM TRYING TO BUT A HOME I HAVE LOST JOB OPPORTUNIES. THIS IS DISTURBING MY LIVELIHOOD.THIS DEFLATION OF CHARACTER AND AGAINST THE LAW.In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. 
in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: PRESTIGE FINANCIAL SERVICES 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:
The last payment was made XX/XX/XXXX following no other payments. The company admits there were no payments made after that date and that it was charged off then. Charge offs occur between 120-180 days of not payment. If Prestige Financial received the last payment XX/XX/XXXX why are they reporting to the credit bureaus that the account was charged off in XXXX two years later?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I went to XXXX  XXXX  XXXX  to inquire about getting a car. I was told XXXX XXXX XXXX would pull my credit report ; instead, six different companies pulled my credit report. Which I didn't authorize or agree to. 
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 2022-01-13
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an open account from commenity capital bank that is connected to a contract that was made fraudulently with XXXX XXXX XXXX. I received a copy of the contract after my first dispute and both companies are saying even though Im saying I didnt sign the contract they have my signatures. I found out the signatures are docu signed but I didnt signed for this account. Originally there was two accounts and they both was immediately closed this particular account stayed open because of a balance I wasnt aware of. According to XXXX XXXX the account is reporting 4 payments behind and its a year old even the generated bills account number has changed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: OneMain Finance Corporation
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:
On XX/XX/2021 I received a letter from OneMain Financial stating that I requested a verbal request to stop contacting me by phone and/or mail. 
They have permanently removed any cell phone numbers from my account and from automated dialing system and placed a note on account to discontinue all collection call to me. 
They apologize to me any inconvenience caused. To ensure that they are meeting my communication expectation, it would be helpful if I complete the information at the bottom of this letter they I will attach and return it to them with means of communication phone numbers written email text or other. 

Immediately phoned the number listed on letter and I spoke with a XXXX on XX/XX/21. She did confess that this letter is in fact a " Retaliation '' from the claim I submitted. 

This is an ambiguous letter made up from OneMain Financial. 

*On the contrary I am waiting for explanation on another claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a notice today via my Chime app as it logged me out that my account was closed. I have received no true and valid information on why my account was closed after a direct deposit in which I consistently receive was made. I disputed an atm charge from XX/XX/2021 in which chime closed in XXXX days without reaching out to the atm merchant to open a dispute on my behalf to see what actually happen with the transaction. Other banks would never. They would file a dispute and investigate the dispute. I thought disputes take any where from XXXX days. Many of the people working customer service is very difficult to understand their speaking as they have foreign accents and then consistently they have no one to speak to as they advise you to email them and the email department for them is horrible. Lack of compassion for their customers, as well as lack of solid information for customers when they have an issue. That online bank needs to be investigated and closed as they await for people 's deposits to come in and then they decide to close the account therefore holding the customers money for an amount of time before the customers can access their hard owned funds. Its inconsiderate and a inconvenience to the customer in which they don't care. Then as I have spoken to other customers of Chime they have stated that they have had the same issue with the company. Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions 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:
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 XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX Account numberXXXX has violated my rights. Or 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 2023-11-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX, Equifax Information Services and XXXX, has violated, my consumer rights by reporting a fraudulent account under the credit file that they maintain under my social security number. Each credit reporting agency has been supplied the FTC statement verifying the accounts reporting are not authorized by me. Each Credit reporting agency has violated FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. 
in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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. 
At this time the account with XXXX XXXX, XXXX XXXX XXXX XXXX, continues to reflect on my credit file. I will be sending a notice of intent to sue regarding these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I, XXXX XXXX, am the CEO and founder of a XXXX, Civil Rights organization called Advocates for XXXXXXXX Americans, Veterans, Police, Firemen & Families. This is a national non-profit. 
On XX/XX/XXXX, I took a XXXXr, XXXX veteran for a boat ride, and rented a small boat for several hours from XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, FL XXXX. The rental cost {$320.00}. The rental was from XXXX, however, since the veteran was getting tired, we returned the rental at XXXX pm. We dropped the boat off intact, without any issues. On XX/XX/XXXX, {$3000.00}, was automatically withdrawn from the company checking account at Truist Bank acct # XXXX, by XXXX XXXX XXXX, XXXX claims. I called the bank and inquired about the charge. I was informed that the boat had damage and hence the {$3000.00} charge. I called XXXX XXXX, and was informed that there was damage on the side of the boat, that the boat was left during rush hour and the person accepting the boat was busy. We did not drop off the boat during rush hour, it was before XXXX. I was not sent any information regarding the damage from XXXX XXXX, I was not sent any kind of paperwork, no explanation, nothing. After my discussion with XXXX XXXX I spoke to the bank, informed them that this was a fraudulent charge, and on XX/XX/XXXX, the bank returned the amount of {$3000.00}, back into my account, the amount was from credit XXXX claims, XXXX XXXX. On XX/XX/XXXX, the amount of XXXX from XXXX  XXXX was automatically taken from my account once again.Truist allowed this company to take the funds from the business account without any documentation of proof. No one, from XXXX XXXX XXXX sent me any explanations, they did not accept my explanation, We still do not know how this amount, the {$3000.00}, was configured. I did not sign a document that allowed XXXX XXXX to withdraw such an amount, My bank allowed this fraudulent amount to be withdrawn, causing numerous other payments to be declined, causing a variety of {$35.00}, overdraft fees. I have never had a negative balance in the business account until now. I do not accept this withdrawal, I do not owe XXXX XXXX XXXX {$3000.00}.

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 explanation
Consumer complaint received 2020-01-24
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am XXXX XXXX XXXX XXXX. I choice to utilize my VA option for my home loan/purchase. I originally received my home loan through XXXX XXXX XXXX XXXX, they then transferred my loan to Penny Mac, this last XX/XX/2019, they performed an escrow analysis. My monthly payment went up by around {$540.00} dollars a month, original payment was {$1500.00} now it is {$2000.00} I feel this is super inflated for escrow when it should have been rolled into my original monthly payment as agreed when I took out the loan for my home. I have called several times, and have been in email communication with them as well. I provided them tax statements, insurance totals, homestead, everything to show what has been included for escrow. Bottom line, not many people can afford a {$500.00} increase in their mortgage payment every month per year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
This is the third time I have filed a complaint. The company is not resolving the issue. 
The complaint is- the company is not providing complete credit history on the reports they are sending. I got two letters to prove it. And a third letter saying they don't understand my complaint. What? 

TransUnion - pay attention. Once again, here is the complaint Other credit companies such as XXXX have added an option that lets you add items such as credit card history and other payments that give a complete picture of a customer 's credit. I asked TransUnion why they aren't doing it. I did not get an answer. 

Please note that I called you as well. And submitted the feedback email you sent to me, which included the complaint and why. You never got back to me. 

Complaint has not been resolved.

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 2021-09-14
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: Account information incorrect

Complaint:
I have sent in multiple requests for investigations on the item listed & the creditor as well as the credit bureaus continue to report this account as inaccurate. The date of last activity is different on all 3 reports, if this information is coming from the same source then it should all be reporting the same dates. This is incorrect

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 2017-11-10
Company: Google Compare Credit Cards Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
google promised refunds of over {$140.00} for fraudulent charges on my account, then they continue lying and eating around the bush instead of just honoring the promises already made also breach of contract and theft

Company response to consumer: Closed with explanation