BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-27
Company: JPMORGAN CHASE & CO.
State: OK
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:
The perpetrator took over my identity. A notice first appeared as an email that my network had been hacked. When the call was made to the credit card company, the perpetrator intercepted the call and represented himself as being from the company. To resolve the " issue '', the perpetrator had me purchase gift cards from two vendors. 

The degree of fraud was amazing ; intercepting each call made to my credit card companies and representing himself as actually being from the credit card company. 
Not only was my network hacked but my phone as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
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:
Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to meXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX  XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX U XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: DISCOVER BANK
State: OH
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:
I noticed 2 payments out of my bank account in large amounts after I made a payment to Discover. After examining my bank account, I did not authorize these payments. I contacted Discover, spoke with 6 people- one supervisor listened to calls and found it was fraud. A man called to make payments and the agent did not fully verify my account. She said the agent said well do you want to pay with account used last month. This is a no no - Agents need to follow protocol. The only person that attempted to help was XXXX in the Fraud Dept but said he would escalate the issue to Executive Complaints. He said it would take 2 to 3 days to receive my refund. Well it has been 6 days. People have rent/car payments and other things to pay and a Landlord will not wait. I contacted Executive Department and spoke with XXXX who suppose to be handling my complaint, all she did was repeat herself, no remorse, no apology for their negligence. This company has put me in a bad place with paying rent and maybe on the street. They don't show empathy - claims this is as far as you can go, well bull. I worked complaints for a huge corp and you have a 24 to 48 turnaround. Now if they know it was not me and it was fraud- continue investigating but put the persons money back in their bank account. I don't understand this. It seems like Discover is covering something up. Agents rude, supervisors transfer you all over. I was on the phone from XXXX to XXXX. This is just not right - we live in the XXXX and should treat people better and have a better method. I blame them for their incompetent 's employees who don't follow their training properly. I want compensated. I want a letter from them explaining all of this. My next step is to go to the Governor and then News channel if you guys can't get this resolved ASAP. They want their payments then I want my money back in my account so i can pay my bills. I have been a loyal customer to them and a good paying customer. So if they don't give a dog___how they treat their customers then i don't care going forward if they get paid. No wonder this country is in a mess, greed. Please help get this resolved. XXXX XXXX is the CEO of the company. Their phone number is XXXX. XXXX was no help at all. The guy I spoke with while she was at lunch at noon said to call her back at 3, well that is a long lunch break. He also told me what he can see no one has done anything with my complaint but she said she had it right there working on it. It is not her money or her company- she acts like she don't care. wonder if it was her. she needs to work and stop sitting around talking and snaking. I want the CEO to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no Knowledge of an account with ARC Account Resolutions yet they are reporting on my credit file and calling me, I have asked for proof of Debt which they have not supplied They have never sent me anything about the debt only started reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: HOME BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX my account was hacked. I called them right away and told them 2 transactions at XXXX XXXX XXXX XXXX XXXX one for {$890.00} and {$120.00} were not made my me. Since I was at work in XXXX, Tx. They turned the card off. Since it was a Saturday they told me to go in on Monday to file the dispute. They also told me there was another purchase pending for XXXX  for {$360.00} that I couldnt see on my mobile app. Monday morning I go to XXXX XXXXXXXX XXXX tell them what happened and to stop transactions in or out of the account. they looked at the account and told me that the XXXX fell off and that the 2 charges for XXXX XXXX were going to hard post at XXXXt and come back tomorrow. Went on that Tuesday and filed the dispute. Was told that someone would call me in a couple of days. No one called so I went back on Friday. They said it would take up to 2 weeks. Waited until XX/XX/XXXX went to a different branch she looked it up and said my account was flagged as critical bc they did not have me sign the dispute, but no one contacted me to come sign it. She told me she was glad I came in bc the dispute was going to be cancelled the very next day. She printed off another one and had me back date it to the original date it was disputed said they had up to 90 days to investigate. But normally only too 2 weeks. Checked on my account this morning and there were 29 NSFs on my account. Called, waited on hold for 35 minutes explained what happed she asked where I opened the account and they would get a hold of the branch manager. She said he wasnt available. Went to that location on my way to work asked to speak to the branch manger and to close my 3 accounts. Was able to close 2 but the one with the dispute was negative and couldnt close it. I told him the account wouldnt be negative if they would of given my funds back that I had disputed and stopped the transactions from when I asked them in the first place. To add, when they merged with centennial bank in XXXX I wasnt able to see my second business account for 5 weeks, log in or do any achs. So regardless, I want my funds returned to me, those 29 nsfs dropped from account and close my that last remaining account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
XXXX XXXX XXXX XXXX did a hard inquiry on my credit report without my permission I didn't authorize it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After taking a trip to XXXX I was notified by creditwise through my credit card app that a XXXX XXXX and a XXXX XXXX card had been opened under my identity. I disputed the XXXX XXXX and it was taken care of ( this actually happened twice within a few month span ) This was removed from my credit report. 

My first step was to Call XXXX and have them open an investigation. 

I then opened a dispute with Transunion on XX/XX/2023 when I because aware of the issue. File # XXXX. They verified the account as accurate and updated which is incorrect. 

I then filed multiple disputes with XXXX on XX/XX/2023. Report Number XXXX. All of which were deleted from my report, please see below. 

XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

I then filed another dispute with XXXX XXXX XX/XX/2023. Report XXXX XXXX. During this dispute they removed another " XXXX '' fraudulent account along with a XXXX account. 

For some reason they did not remove the XXXX XXXX account but instead said it was verified and updated. Please see below. 

XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXX XXXX Account XXXX Verified and Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

XXXX Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 

XXXX is showing the account as closed. I don't understand how the different bureaus are showing this in different statuses.

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 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-09-20
Company: Valor Intelligent Processing, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled serve and paid my bill, also I have returned the equipment they are charging me fore. when I called to cancel I was told because they could not get me service at my new address there would not be any extra chargers just my last months bill. I have called numerous times and they keep on giving me new excuse. please remove this charge of my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions 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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus 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 items that are reporting on my Credit Reports : Experian : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX : XXXX XXXX CT XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$12000.00}

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 non-monetary relief
Consumer complaint received 2022-06-07
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:
On XX/XX/2022, I received a dispute result ( Report XXXX XXXX ). Experian reported that it completed the investigation and has made updates. The only update Experian provided was a change in the Balance Date. This indicated that Experian did not investigate my account as I requested in my dispute. I requested an investigation due to a late payment being reported in error per the CARES Act. Per Section 4021 of the CARES Act, If the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current. Such an accommodation includes modify a loan or contract. An accommodation includes assistance or relief that is granted voluntarily or pursuant to a statutory or regulatory requirement. I have attached the document that shows the furnisher providing an accommodation to my account. I have also attached documentation that shows Experian not performing an investigation of the account as required by the FCRA per 15 usc 1681i a ( 1 ) ( a ). If Experian did truly reinvestigate the account and the Balance date was updated, the balance on the account would have updated also. Experian has violated my rights by refusing to provide a proper investigation and updating the inaccurate information 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 2020-04-16
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Jefferson Capital Systems concerning a collection on my credit report about a bill from XXXX, I was told the debt was in default in XXXX of XXXX, I asked for verification of the debt in writing and the operator stated that it was already sent out. I stated I had not received it and that I needed verification and a proof of date, he stated that he already told me when the debt started and refused to give me anything in writing. I filed a dispute with XXXX that afternoon and the next morning was told the debt was verified and it began in XXXX of XXXX. I contacted XXXX  and explained I had not done business with XXXX since XXXX of XXXX and that I wanted to know what verification they turned in because it would be fraudulent, I was told there was no formal verification just Jefferson stating that I owed the debt. I question how that was verification when anyone could state I owed a debt, I also explained Jefferson 's refusal to verify the debt to me. I was then advised to file a complaint CFPB and was told they would reopen the investigation and inquire about the validity of the information provided to them. Jefferson still  has not verified the debt to me or in my opinion formally to XXXX  only verbally stating that the dates were accurate, despite giving two different dates of XX/XX/XXXX to myself and XXXX of XXXX to XXXX  there by adding two more years to the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: CA
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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX 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 is the account that is reporting on my Credit Reports : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$2100.00} Date Opened XX/XX/201XXXX 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 explanation
Consumer complaint received 2022-11-29
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I find out in my XXXX credit report. I'll had a collection from Apple Card Credit issue by Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX. It say 's in the documents this account is Apple Card consumer credit account opened under in my agreement. And it say 's also in the papers the Co-Owner may have access in my information. I'll never apply this credit and I don't have any idea. And I don't understand why this Goldman Sachs Bank, approved people apply online using other people Identity. It is not safe if this Bank they don't make it sure the information are correct before they approved people applying credit card online. I did call the XXXX XXXX because it say 's in my XXXX report XXXX XXXX is the Data Source and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Every month they kept giving me overdrafts when i should not have had any. I tried to get a loan and couldnt because of the actions the bank had on me. I had paid them and all for these and even talked to someone at the bank and nothing was done. its messing with my credit and all. i didnt even get a notice it just poped up on my credit when i went to do the loan. the date was XX/XX/ and this has happend with XXXX XXXX and truist the balance was {$300.00} and something and the balance with truist was {$230.00}

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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me.XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX U XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX 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