BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX both my wallets were stolen out of my car and retrieved by the local Police Department on XX/XX/XXXX. I was able to get all my credit cards back from the evidence dept on XX/XX/XXXX. I called XXXX XXXX to replace all my cards, but I didn't do it for the rest of my cards from different credit card companies. Months went by until XX/XX/XXXX when I realized someone had used my Chase card and that's exactly when I called it in for fraudulent charges. The charges for {$6300.00} were credited only to be billed back on XX/XX/XXXX. 

I called Chase Fraud Department either on XX/XX/XXXX or XXXX and received a call back on XX/XX/XXXX. They stated that all my charges on my card were valid and that I am responsible for the charges. They closed the fraud claim and assured that this claim was researched thoroughly. 

The fraudulent charges were made roughly XXXX miles away where I work at the XXXX XXXX daily from XXXX XXXX  to XXXX XXXX. I submitted journal entries as part of my job as a notary public for California to show that I have to be physically present in front of a customer to offer the notary service. I also submitted delivery invoice that I have to sign whenever a vendor driver delivers supplies to the store. The other submission that I have are print outs of tracking number of packages that we received in our store that were signed by me. 

I can submit more proof that I was not present and my card was not inserted when all these charges occurred. I have the card in question still originally sealed from the Police Department. I might be wrong but I don't think any credit card reader can read chip with plastic covering the whole card. I notified Chase immediately within the 60 days when the error appeared on my statement. 

Chase insisted that most of the charges were chip transactions that can't be fraud. I strongly believe these charges ( transaction date from XX/XX/XXXX - XX/XX/XXXX ) are unauthorized. I can't possibly be in two different locations XXXX miles away physically at the same time. If there's only one card, I have it in my possession the whole time with the original seal from the police department. Chase claimed the charges were chip transactions. This mean someone was able to duplicate/ skim the card and use it without my permission. I am not responsible for these fraudulent charges. I will pay for the charges occurred from XX/XX/XXXX through XX/XX/XXXX transaction date because these are my purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
CFPB Complaint ID XXXX XXXX XXXX. Of Executive Office of Customer Advocacy stated In addition, under the Credit Reporting Agency Information section of the Cardmember Agreement; We may report the status and payment history of your Account to credit reporting agencies and other creditors. We normally report to credit reporting agencies each month. As such, we are unable to honor your request to cease reporting the account to the credit bureau reporting agencies. We have sent copies of all available billing statements for the account under a separate cover. We are unable to honor your request to remove previously reported account history, as the information reported is a factual representation of what occurred on your account, nor are we able to remove the account from your credit bureau reports as we consider the account valid. Which method of verification have you use to verify such information as you mentioned? 
XXXX XXXX. Provide provide proof you have complied with Federal Law Gramm-Leach-Bliley Act and gave me the Option to Opt-Out of furnishing my non public personal information or you shall be fined. Because you need to over-stand your company Policy doesnt supersedes over Federal Law.

XXXX  Bank and all the Credit Reporting Agencies XXXX, TransUnion, XXXX are committing Racketeering Each count of racketeering is punishable by up to 30 years of incarceration in federal prison and I have proof of their actions. Failure to remove MY account ( my intellectual property ) account ending in XXXX XXXX XXXX, XXXX Bank will be sued in 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 2022-06-23
Company: Experian Information Solutions Inc.
State: OK
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 XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone number ( XXXX ) XXXX Date opened, XX/XX/XXXX Balance on XX/XX/XXXX - Original balance {$260.00} has violated rights of privacy.

15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the 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 explanation
Consumer complaint received 2022-06-23
Company: EQUIFAX, INC.
State: OK
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 : Account number- XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Phone number ( XXXX ) XXXX Balance on XXXX XXXX, XXXX - Original balance {$240.00}

has violated rights of privacy. 15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 : Account number- XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Phone number ( XXXX ) XXXX Balance on XXXX XXXX, XXXX - Original balance {$240.00} has violated rights of privacy.

15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the 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 2020-04-16
Company: Bread Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Victoria Secret or Commenity Bank ... They have contacted me and harassed me all day for a week straight every hour on the hour from XXXX to XXXX at night. This is a time during Covid 19 that this seems like highly inappropriate behavior considering the global environment and seems even more inappropriate that they are essentially employees at a time when I am working less and just trying to pay my regular bills. They also contacted my sister maybe other family members Im not sure yet and told her to tell me they are looking for me. Ive had the same phone number and address for 12  years they have no reason to contact her they know where I live and how to get a hold of me. Ive been waiting to get a letter in the mail with an offer to possibly pay off the debt like other companies usually do they have sent me nothing in the mail and that seems even more strange to me that they wouldnt try to do that before contacting my sister that had nothing to do with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My credit report has so much false information on it and when I checked all three bureaus all the information across the board is inaccurate. I need this to be resolved immediately. I called multiple times to resolve the issue and I sent in a ton of dispute letters. I also asked them to send me proof of some of these accounts and they have yet to do do. Please get these negative items removed immediately. Not to mention when they do remove some of these items and correct the problem, they add them back on under a different account number and I am tired of this. I know somewhere this is against 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 non-monetary relief
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: NJ
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 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 2023-11-27
Company: Experian Information Solutions Inc.
State: GA
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:
This is XXXX XXXX XXXX please 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 2022-06-23
Company: Experian Information Solutions 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:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE!

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 2022-06-23
Company: EQUIFAX, INC.
State: MD
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:
EQUIFAX AND XXXX HAVE AN ACCOUNT ON MY REPORTS THAT SHOULD HAVE BEEN REMOVED. I AM A VETERAN AND NEED THIS REMOVED. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: FL
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 noticed on my Experian report there are inquiries that I don't recognize. I did not apply for anything in XXXX! Must be FRAUD!! I contacted the below creditors and they have NO proof I initiated these inquiries, nor written authorization and have failed to provide any permissible purpose. There are no accounts associated with these inquiries and I ask for their removal from my credit report. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX, XXXX XX/XX/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 2022-09-19
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX, XXXX fails to verify the debt with real verification they think sending me a XXXX bill is verification. When in fact it is not! They are breaking the FCRA Law! They are not even a licensed collection company for the state of florida. This is illegal and it needs to be removed from my report. Also before they tell me I dont have proof of please see the screenshot I am attaching from XXXX XXXX XXXX XXXX it shows the factual proof. I am emotionally distressed as this is insanely hurting my ability to receive credit and other things in my life because they wont send the exact documentation showing they can collect in the state of florida because it does not exist and they know they are breaking the law. Addittionally they continually state for me to call them as if I am going to agree to pay them for something I do not owe them. I have never done business with this company and it is fraud for them to even have any of my information so I am putting my simple fix below. Additionally if they wan na know the violation it is Willful Violation Of Fair Credit Reporting Act Requires Knowing And Reckless Conduct. In its only decision addressing the Fair Credit Reporting Act this Term, the Supreme Court has held that in order for a violation of the FCRA to be willful, it must have been committed knowingly and recklessly. So with that stated on the previous response they clearly are committing this knowingly and recklessly. Also their is another violation in which they admitted too in the previous CFPB submittal stating that I disputed the debt but they never added the notification that the debt was disputed to all of the credit bureas which is another FCRA violation.

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 2020-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For the past several months i've been getting calls from a company representing themselves as a debt collector for an old account that was held by household orchard bank, now defunct. I have no record of this debt, it also is not listed on my credit report as past due, in collections, charged off, etc. I have looked at XXXX, XXXX, and XXXX. When i contacted the collector, i was told the last date of activity was XX/XX/2014, which is within the 7 yr period for accounts to age off of my credit report if they had negative comments. Due to the age of the debt, i personally no longer have documentation of this account, although i am making attempts to find it. I am fairly certain however, the account was either, paid in full, or paid in settlement. The person i spoke with was named XXXX, and despite asking several times for the license number of XXXX, since they are a debt collector, as suggested by the PA  attorney General 's office, i was told she didn't have it. The amount owed in question is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Sentry Credit, Inc.
State: NM
Product: Debt collection
Sub-product: Rental debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Sentry Credit has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) by continuing collection efforts after I provided you with a letter clearly stating that i want all further communication in writing. 
I sent your company a letter XXXX XX/XX/2023, In this letter, I clearly and unequivocally requested that you cease all communication with me via phone regarding the alleged debt, in accordance with my rights under the FDCPA, specifically under 15 U.S.C. 1692c ( c ). 
Despite receiving this letter, I have received further communication from your company, i.e ... ... phone calls, attempting to collect the alleged debt. This continued communication constitutes a clear violation of the FDCPA, and it is unacceptable. 

I also have not received anything from you since like was asked for in the letter attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
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 disputed this account with Experian and it was deleted from my credit report and now its back on my credit report this is an fraudulent account due to identity theft and I proved my case it was deleted and now they are saying they put it back which they can not do once item has been removed this is against the fair reporting credit act and must be 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 2023-11-03
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. 
Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
RESURGENT/LVNV FUNDING is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion.

This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C. 1692 ( G ) Section 809 ( B ).

THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.

This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party.

I have a right to this information, as its directly associated with the reporting activities.

This is also a NOTICE exercising my rights to prevent the processing of my personal data by RESURGENT/LVNV FUNDING.

Please be advised that providing a memorandum or other statement from your agency, stating that RESURGENT/LVNV FUNDING the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report.

PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
My accounts with Capital One have always been enrolled in the companies autopay system. From the months of XXXX to XXXX of 2019, the card on file was not being charged. I was under the impression that my accounts were enrolled in an autopay system, as they always have been. When I realized I had missed payments, I immediately reached out to Capital One and was assured these late payments would be removed on my behalf as it was a failure on the autopay systems behalf and not my own. When I called back in 2019 to talk to a representative, I explained that I was taking care of my mother who had recently XXXX XXXX XXXX XXXXXXXX XXXX. I was not residing at my current address, as I left the county to stay with my mother. I did not receive any correspondence that my payments were not being received, and again, I truly believed my accounts were enrolled in an automatic payment system. The nice representative I spoke to transferred me to a supervisor and by the end of the call, I was assured these late payments would be removed on my account due to unforeseen and challenging circumstances and the fact that the autopay system did not charge my card on file. The supervisor also stated because I was a good customer, she would as a goodwill and gesture of good faith remove the late payments. I recently retrieved a copy of my credit report and saw that the late payments still remain on my file. I ask that someone please assist me as promised long ago. The records will show that I had never been late with a payment until these unfortunate series of events. I have been prompt and have never missed another payment since 2019.

Company response to consumer: Closed with explanation