BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Upon receiving 6 emails with notices that I was approved and open a credit card this morning with my name on the emails. I called chase banking to the customer service number. To confirm they did NOT have an account under my name. The representative would not confirm this unless I provided a social security number. Date XX/XX/2023 time XXXX was when I placed the call. I asked if I could go to a chase office for this the representative said they would tell me to call back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: KY
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:
I XXXX XXXX, consumer and natural person who is a victim of identity theft. XXXX, Experian, and XXXX had used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insure that consumer reporting agencies exercise their responsibility with fairness and respect to the consumer right to privacy Under the Gramm Leach Bliley Act of 1999. I enclosed all documentation social ID and statement.

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 2023-11-04
Company: Experian Information Solutions Inc.
State: IL
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2022-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
Hello. Bank of America authorized a bill pay in the amount of {$22000.00} without notifying or my authorization to an unknown account at XXXX XXXX. This happened on XX/XX/2020. So I contacted Bank of America and started a claim with them but their initial response was that I was the one who initiated the transaction when I have never used online bill pay through Bank of America before. I mean usually when I make normal purchases, I will get notifications but I didn't even get one email, text, or call about this transaction. So they told me to contact XXXX XXXX which I don't or never had an account with them and as soon as I got in contact with their customer service, they called me by a different name. I don't remember the name but obviously someone had used my info and phone number to open an account. I explained the situation to XXXX XXXX and their response was that they couldn't give out any information without information or authorization from the account holder. So I called Bank of America and the said they would look into it. A couple of months go by and nothing happened. So I called once more and they directed me to another department, finance claims or something like that, they said the same thing and basically putting the blame on me and accusing me of making that transaction myself which I did not. I tried to contact them again multiple times and their response was always the same. So I contact my local police and made a report but they weren't any help at all. I did speak to a detective once and to this day I have not heard anything from them. I also tried to contact several attorneys about this and none of them would give any legit legal advice about how to handle something like this. After about year or so of dealing with it and getting nowhere with Bank of America, I closed all of my accounts with them and have just taken it as a loss because I could not get any help with this. Until a friend of mine who works in finance told me about the CFPB and said that sometimes you are able to help people like me. So please if you can do anything about this, I would be thankful. It was a lot of money that was taken from me at the peak of the pandemic. Thank you

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 2023-11-30
Company: United Shore Financial Services, LLC
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I FILED A COMPLAINT, # XXXX ON XX/XX/23 ' AND WANTED TO INCLUDE THE ACTIONS IN THAT COMPLAINT BY UNITED WHOLESALE MORTGAGE CAUSED ME TO INCURE OVER {$3000.00} IN PENALTIES, LATE FEES & A LETTER OF " DEFAULT ON MY CREDIT REPORT " WHICH I DO NOT THINK IS FAIR & UN-FOUNDED!!!! THE DISPUTE THAT THEY CLAIM OF SENDING LATE NOTICES & MY CLAIM I NEVER RECIEVED ANY WILL PROBABLY END UP IN A COURT OF LAW BUT WANT MY COMPLAINT TO BE SEEN & READ BY YOU!!!!!!!!!! 


THANK YOU FOR YOUR TIME!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is still reporting an unlawfully debt thats has been past the statute of limitations of XXXX federally and state level its three 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 2023-09-07
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My bank closed my account with no notice and stated I wasnt elegible for a refund. When I asked why they said I After a recent review of your account, weve found that it does not comply with the terms of the Deposit Account Agreement. Your account has been closed by Chime and is not eligible for a refund. For more information, please review the Amendment and Cancellation section of the No other reason or explanation has been given. I called and spent 4 hours on the phone and was not able to receive a reason or assistance obtaining my account access or funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My identity was stolen. I contacted these companies previously and advised them that these accounts did not belong to me and it was identity theft. They have refused to block these accounts and are violating my rights. They are also damaging my credit score as well as my ability to live properly.

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 2023-12-11
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
This account is not mine and has not been used by me. This account is being reported on my consumer report without my consent

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
on XX/XX/2023 I sent a certified letter to XXXX, XXXX, and TransUnion credit bureaus for validation of debts for the collection accounts that's being reported on my credit report. XXXX, XXXX and Transunion failed to provide the requested information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: NY
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 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 2022-07-29
Company: RentDebt Automated Collections, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report in approximately XXXX and disputed an attempt to collect a debt from a company claiming I owed them rent money. Several attempts made to contact representative via phone failed, I just called her again at XXXX XXXX XXXX and the rep is on break again. They claim I owe them {$140.00}. On recheck of my credit report today, another attempt to collect a debt from a different company claiming I owed them a significant amount of money, {$15000.00}. Communication with RDAC was established, with the representative placing a fraud alert on the account and attempting to contact business. They are sending packet to complete for fraudulently activity, recommended I file a police report and take steps to further secure and protect my identity. I do not, nor have I ever resided or attempted to reside in the areas these companies/business are located.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Today, I am writing this complaint to TRANSUNION regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they had completed the investigation. However, when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report.

payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: TX
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-12-14
Company: EQUIFAX, INC.
State: IN
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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
bank of america slashed 70 % of my VISA card limit stated that a periodic review my my credit tempted them to take the action and even though i immediately paid off all my debt they wanted to make hard inquiries on my credit before making a a decision to reinstate

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 2023-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened a claim on XX/XX/2023 in the amount of {$8300.00} due to the transactions being fraudulent. I spoke with the company via phone about the transactions to try and receive a refund and was told Id have to file a fraud claim. Some one used my card multiple times to purchase bitcoin on a website named XXXX. I have no idea how bitcoin actually works, and was talking to the company to figure out what could be done to help get my funds back. I then reached out to my bank and told them about the situation and how this was a lot of money and very important money as well. They helped me to submit the claim and told me within 10 business days id have a temporary credit or some kind of answer. I then called again to see if I could get the credit sooner because this was a ton of money that had been taken from me. I was told that the claim will be escalated and ill receive the claim in 24-48 hours. A few days go by and I hear nothing! I was told if I call again, the rep would have to update the notes on the claim which would restart that 24-48 hours and essentially prolong receiving any credit. So I then waited and waited and heard nothing. Finally I decided to call back to get some kind of update and was told the claim had been denied!!! I asked why and was told id hear something soon. I asked could the claim be re-opened and was told no it couldn't. A few days later I get a message on my BofA message portal saying the claim was denied due to an agreement that I had with the company!! I was so confused!!!! I have no idea who the company is and never had any contracts with them. During that time I had just moved to XXXX from XXXX after transitioning out of the XXXX. I did not get a fair investigation at all!! My claim was completely rushed and closed just so I wouldn't be given any credit. I had XXXX issues with BofA prior to this. All of my direct deposits were sent there. Now I have lost all trust after being treated unfairly. I am demanding a new investigation! That money was very much needed and not fair that it was just taken away from me and the ones I trusted to help me, did the complete opposite. 

Claim ID : XXXX Amount : {$8300.00}

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 2022-04-25
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 with the fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX has violated my rights.. 


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

15 U.S.C 1661 Section 604 A Section 2. Its also states a consumer reporting agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.

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 2022-09-26
Company: JPMORGAN CHASE & CO.
State: PA
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:
PLEASE REMOVE THE LATE PAYMENTS OFF THIS ACCOUNT. MY PAYMENTS WERE NOT LATE AND ACCOUNT IS PAID OFF IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
For the past XXXX  years Wells Fargo took advantage of me in every possible way. They actually overcharged me on many different levels and when covid 19 came XXXX XXXX was forvced closed. 

As a XXXX XXXX who got no help. I was hoping Wells Fargo can actually look back and care what was over charged as now i have a child and we are dirt poor and need that money. 

I have any statements and can provide insight but im in XXXX Oregon and me and my child hope they choose to review back to 1995 or any year.. 

We were good clients we need help. Thank you Accounts Processing thefts of another XXXX dollars XXXX Savings accounts XXXX and credit cards XXXX Account XXXX XXXX XXXX XXXX hot tubbing or tub and tan all the account i was made o get like XXXX or XXXX accounts at that time.. i maybe have XXXX in fees.. total..

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 2022-07-29
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called and made a payment arrangement, and I made the first payment and I asked for proof of the payment arrangement so I can provide this to the NJ banking and insurance, and I was told they don't give out any documentation stating I'm in a payment arrangement. 
I've emailed and I've called and left request for a call back from the XXXX. No one got back to me, and no one is responding to my emails. 

I have another payment coming up and I feel like this is fraudulent behavior. The banking and insurance representative is stating I must provide proof not just that I made a payment and it's deducted from my account I also called the creditor ( XXXX ) and they stated they should comply with my response and not just take my payment. I did not even ask for a settlement. 

Please see my plead for assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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