BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A fraudulent report was issued to Chase Bank against XXXX XXXX, brother of Joint Account holder XXXX XXXX, who has a joint account with XXXX XXXX. XXXX XXXX discovered that XXXX XXXX was fraudulently transferring money from his mother 's joint account to his personal account, for his personal use. 

XXXX XXXX filed a Power of Attorney and a medical disclosure letter from a XXXX stating that XXXX XXXX has XXXX XXXX. Accounts were locked down from ATM usage, check writing and transfers. Three tier passwords were set to prevent XXXX XXXX from taking money from the joint account of XXXX XXXX and XXXX XXXX. XXXX XXXX took his elderly mother into the branch and closed the joint account of XXXX XXXX and XXXX XXXX and redirected all of XXXX XXXX 's direct deposits to the single account of XXXX XXXX. The XXXX XXXX of Chase Bank allowed this to happen without clearing the passwords on the account, Assumingly due to XXXX XXXX presenting a new Power of Attorney that XXXX XXXX could not have executed in sound mind or judgement. 

When Chase was contacted regarding the fraudulent activity, they said there was nothing they could do. Chase was contacted at the very least 15 times via phone and visits to physical branches to prevent this fraudulent activity. 

XXXX XXXX informed Chase that this is a direct violation of Regulation E and considered this activity to be Elder Abuse. Nothing was done to protect XXXX XXXX 's money. XXXX XXXX currently has full control of XXXX XXXX 's funds to abuse as he sees fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: EQUIFAX, INC.
State: AR
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 was informed by my father that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support or even been put on child support. I started to investigate and I was told that someone has given my name and social security number to claim money monthly. This person has the wrong person. I decided to pull my credit report and it showed the exact same thing and three other accounts with many inquiries that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: ALLY FINANCIAL INC.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ally financial has repeatedly charged unjust fees late fees etc for no reason. I have called several times and get told the same reply its a computer glitch. I have gave this company several weeks to fix system issues but they have not complied. This makes me not trust them and feel like Ive been getting ripped off.

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 2020-06-22
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX XXXX {$850.00} XXXX {$430.00} XXXX   XXXX {$700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$12000.00} XXXX {$2000.00}

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 2022-06-14
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:
I was recently contacted by an occupant of a address I used to receive mail at, when I was XXXX. They informed me that mail has been coming to that address for me for a while now. I was unaware because I no longer use that mailing address. So I contacted the USPS about the situation, and was advised to have my mail forwarded to me directly. Once I did that, I started receiving bills and debt notices that I didn't recognize. So I requested my credit report bc I haven't used credit in years. When I got my report, I noticed accts that I did not recognize or authorize. 

My car was broken into back in 2017, and myself and my childens ' personal info was compromised, which I have the police report from the incident, and will include as an attachment to this report. I am a victim of identity theft, and I'm now experiencing financial injury, due to these fraudulent accts reporting on my credit profile. In addition to my personal information being stolen, I was also notified by several companies of my information being exposed in data breaches by Experian, XXXX XXXX, and XXXX, which I feel could possibly be another contribution to my inaccurate credit reporting. 

I have previously filed a complaint report with the CFPB and the XXXX, in reference to getting this matter resolved. I have contacted the credit agencies, and the companies reporting the fraud, directly, to no avail. 

This is my third attempt to have these inaccurate items removed from my credit report. This time I will be sending official documentation of correspondence, by way of certified mail, to the companies and credit agencies that are responsible for reporting these fraudulent and inaccurate marks on my credit and public profiles. I will include a copy of this report, my FTC report, Police report and affidavit in my correspondence mail. It is a violation of my consumer rights, for companies to furnish my personal data, publicly, unless I give them written permission first. 

In addition to participating in Fraud and Identity theft by reporting inaccurate information obtained by dishonest practices, these agencies are double reporting several of the same accts with different companies as debt on my credit report, giving the appearance of me being financially irresponsible, personally and professionally. 

I have been denied and turned down several times for business opportunities, contracts, and proper capital funding as a result, of these fraudulent reports.

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 2017-09-12
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a correspondence from First Federal Credit Control, XXXX dated XXXX XXXX, XXXX about an alleged debt. On XXXX XXXX, XXXX, I sent First Federal Credit Control a certified letter requesting valididation of the alleged debt, and demanding that they only contact me via mail to my current mailing address. 
On XXXX XXXX, XXXX at XXXX, I received a call from their representative inquiring on how I want to make the payment on the account. I politely informed her that I sent them a validation letter, and also demaded that they do not contact me via telephone. The representative rudely told me that I owe the company, I must pay or it will be reported to the credit reporting agencies. 
On XXXX XXXX, XXXX, I received an alert from XXXX stating that First Federal Credit Control added a collection account to my credit report. 
I made it very clear in my letter to provide me validation of the alleged debt, to not contact me via email, and also requested that they do not report this alleged debt until they validate this alleged debt. I still have not received any responses from my correspondence nor any documents validating this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
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:
experian, XXXX  and XXXX  has information on my credit report that i did not gie my permission to report. i had not notified of these accounts. this information is inaccurate/not mine/fraud. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX  XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, MA XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, MA XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX, FL XXXX MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX  XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX, XXXXXXXXNOT MINE, PLEASE DELETE. 
XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXXNOT MINE, PLEASE DELETE. 
XXXX  XXXXNOT MINE, PLEASE DELETE. 
XXXX  XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
DEPT OF EDUCATION/XXXXNOT MINE, PLEASE DELETE. 
XXXXXXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX  XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX/DPT ED/XXXX XXXXNOT MINE, PLEASE DELETE.

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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I noticed unauthorized inquiries reporting on my XXXX and TransUnion that needs to be deleted. I filled out an FTC report which I will attach mentioning the referenced inquiries and pursuant to the block of information section of the Fair Credit Reporting Act ( FCRA ) which is 15 USC 1681c-2 these inquiries had to have been deleted within 4 business days of receipt of my FTC report so I would appreciate this to be done promptly to avoid the continuation of XXXX and TransUnion continuing to violate federal law.

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 2017-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have two ( 2 ) tax liens listed on my credit file ( s ) with TransUnion and XXXX that DO NOT MEET the Enhanced Phase 2 ( PII ) Personally Identifiable Information standards for Public Records Reporting. These PII standards as outlined by NCAP and available publicly on the CRA 's websites, specifically TransUnion 's own site states that Public Records MUST Include : Full Name, Address, Social Security Number and/or Date of Birth. I have filed disputes with both TransUnion & XXXX and included documentation showing that these tax liens do not meet the PII standards and must be removed immediately from my files with them. The disputes came back as " Verified ''??? The " Official '' Copies of the tax liens : DO NOT provide my FULL NAME, DO NOT provide my FULL SOCIAL SECURITY NUMBER, DO NOT provide A CORRECT ADDRESS and DO NOT provide my DATE OF BIRTH. Since the records DO NOT PROVIDE THIS DATA they must be removed from my credit file ( s ) with TransUnion and 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 2022-06-14
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My IXD plan used to renew in XXXX and now it's due in XXXX. Regardless, Navient continually charges me MONTHS before the plan is due to renew, resulting in credit issues and more interest charged. This has happened for 5 years now and they never bother to stop. I also believe my loan should be eligible for forgiveness and should have been eligible for the student loan pause due to the pandemic, but it was not. I do not want any calls from Navient as I do not trust them, but I DO want them to fix my interest going back to the beginning of their ignoring the dated repayment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: GA
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 to the FCRA, Equifax violated my rights under 15 U.S.C. 1681 section 602 A, which states I have the right to privacy. Also 15 U.S.C 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written consent. Below are a list of inquires I did not give my written consent to publish. 

XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX, XXXX ; XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Original Debtor was medical, with XXXX XXXX of XXXX XXXX. Two different collection agencies are listing the debt on my report, resulting in a double posting for the same debt. All XXXX XXXX debts were forgiven me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
See attachment detailing fraudulent accounts on my consumer 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 non-monetary relief
Consumer complaint received 2022-06-14
Company: Chime Financial Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Around the XXXX of XXXX I noticed that the money I had saved for my grandchild was missing so I called Chime to report it and I told them I did authorize this transaction. For about a few days they emailed me and said there's nothing they can do. I've begged and pleased with them that I didn't do this. After that I called everyday and did everything they asked me to do but it's like they didn't investigate the situation at all!! I've reopened the case so many times that now they just ignore me. All I wanted was my money back and to be done with Chime!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX XXXX XXXX # XXXX** Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law.

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 2020-08-19
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:
MY INFORMATION WAS USED TO OPEN FRAUDULENT ACCOUNTS THE ACCOUNTS LISTED DO NOT BELONG TO ME MY INFORMATION WAS STOLEN I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On XX/XX/2020, I mailed XX/XX/XXXX, XX/XX/XXXX and  Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2017-09-12
Company: EQUIFAX, 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:
Equifax has mishandled my information, allowing it to be easily stolen during their recent data breach from XX/XX/XXXX to XX/XX/XXXX which will likely be used against my wishes for financial gain by the identity thieves. Equifax then tried to hide the loss of my information, neglected to notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours of my time, money ( to freeze my credit with 4 different credit bureaus ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future.

Company response to consumer: Closed with explanation