BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was the victim of identity theft and banking fraud and had over {$12000.00} stolen from my Chase checking accounts and the bank refuses to recredit my accounts concluding that the transactions were authorized. But I have provided detailed evidence to the bank that the transactions were fraudulent and I reported the fraud promptly. I have attached a two-page affidavit detailing what took place and attached evidence showing proof of my assertions.

In summary, I received a call from Chase Bank 's fraud department on XX/XX/2023. The call came from XXXX which is Chase Business Customer Service 's phone number. A person identifying himself as XXXX from Chase 's fraud department told me he was calling to determine if a suspicious transaction was authorized by me. I told him that it was not and that it was fraudulent. He said that Chase would decline the transaction and that my debit card and online access needed to be shut down because they had been compromised. Everything he said was verified by Chase email, the pending charge reflected on my bank account, text messages from Chase, and a message sent using Chase 's mobile app. He asked questions about my account name to verify my identity but not my password or pin number. After the call ended, I received a Chase alert that my account balance had fallen below {$2000.00}, which was strange since I had over {$4500.00} in that account. I immediately called Chase Bank back on the same number XXXX and learned that the individual I was speaking to previously was a scammer and that multiple unauthorized transactions were now pending. I asked Chase to decline all these transactions because they were unauthorized. The next morning I went to the bank and filed a formal complaint.

The bank is now refusing to refund the money claiming that the transactions were " authorized. '' But I disagree. How can they be authorized when the evidence shows I was scammed. I was called by someone from Chase 's number, using Chase 's email letterhead, using Chase 's mobile app for messaging, and a Chase text message. Information clearly obtained by fraud does not make a transaction " authorized. '' Please read the affidavit and look at the evidence provided. This was a very sophisticated scheme and I was not negligent or grossly negligent. Also, I reported the transaction within hours ( 2-3 hours ) and the fraudulent transactions were still pending and Chase did not stop them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: MA
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  **** Balance Owed : {$150.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$580.00} ; XXXX XXXX  XXXX **** Balance Owed : {$230.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$400.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$300.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance Owed : {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX  ) XXXX Balance Owed : {$150.00} ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  ) XXXX Balance Owed : {$1800.00} ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XX/XX/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 explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX has repeatedly and recklessly reported and continue to report inaccurate and incomplete data to Equifax to be entered on my personal private consumer report. The inaccuracies and incomplete data is as follows. 
Reporting that I have made 23 percent of my payments on time, this is not reflected on my report. Incomplete and missing and or on time payments for XXXX, XXXX, XXXX, XXXX. Also, as of XX/XX/XXXXXXXX  has changed my days late from 150 to 120 in order to dictate the automated system to generate another 150 day late report. Also, between XXXX XXXX  and XX/XX/XXXX XXXX XXXX XXXX has increased my balance on a closed and charged off account by XXXX, see attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: Genesis FS Card Services, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I have 2 current credit cards with Genesis FS card services. I received a pre-qualification notice for a new card with them ( Indigo Mastercard ). I followed the necessary application process. Once I was finished I received an email stating that I needed to submit additional documentation, i.e. a photo ID and SS card. I did so and also included my current bank statement so that they could see my current address. I did acknowledge that my ID had my old address so that bank statement could serve as proof of current address. I faxed this documentation twice. I then reached out to see where my app was and was told that my fax was not readable. I then mailed the docs ( 2 day priority with tracking ), and upon following up was told that the ID address not matching my application address would not work, and my bank statement showing current address was not sufficient. I then emailed XXXX FS and a lady name XXXX reached out. I explained that I had updated my ID to show the correct address to match the application. She researched and confirmed that if I mailed a copy of my new temp ID with the correct address then my application could be completed. I overnighted the copy of the ID, and gave XXXX the tracking number showing they had received it. That was received in early XXXX, nearly a month into this process. Since then they can not locate my copy of ID that I overnighted and delivery was confirmed on. Therefore they have not completed my application. XXXX has no answers and she has acknowledged they have no idea why they can not locate the mailed copy of my ID, and where my personal info is being stored after they received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: IL
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 sent a letter and disputed with XXXX, XXXX and Equifax all accounts. However the credit bureaus said the completed investigation and everything was 100 % accurate ; despite accounts not appearing on all credit bureaus are the same. This is defamation of character. 

I also, I noticed them with a list of laws according with 15 U.S.C regarding privacy, acquisition of location information, accuracy, to name a few 15 U.S.C 1692 ( a ) sections 1-7, 15 U.S.C 1692 ( b ) sections 1-3, among others I may mention again ; Fair Debt Collection Practices Act 15 U.S.C 1692c, 1692d, 1692e, 1692f, 1692g, 1692h, 1692i, 1692j, 1692k. Under the Fair Credit Reporting Act 15 U.S.C 1681, 1681a, 1681b, 1681c, 1681c-2, 1681e, 1681g, 1681i, 1681n, 1681o, 1681q. 16981s-2.

Lastly, most importantly to highlight 15 U.S.C 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items if information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to and investigate with. Also, how did they complete their/this investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
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:
XXXX, XXXX. Put a court report from XXXX XXXX XXXX XXXX on my rental record that I have no knowledge of I never lived in or been on there property.

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: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Everytime I try to open a bank account it will not let me no matter what bank it is and this has been a problem for years now I just want to be able to open a bank account and save money again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: Chime Financial Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I tried to send money to my friend on chime using her phone number and the amount was XXXX $ but she didn't recieve the money someone is using her number but a different cash tag so the money didnt go to her. I explaiined this to chime multiple times that the money sent to the wrong person and they still won't fix the issue shee even called them her self and explained that she didn't get the money and how I looked her up with her phone number. When I first requested the money back she got the request to her phone but the newest few times after she wasn't recieving a request for the money back I have screen shots and phone records showing that we called chime and each other as well to resolve the issue even with her on three way and the won't send the money back. She is down in Florida with her family I know XXXX $ isn't much but right now it was a lot for her to feed her family and I can't even do that anymore. The money was. Supposed to be sent to XXXX XXXX XXXX person who got it XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: National Collection Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested validation of the debt and the original contract possessing my signature. I received documentation of a breakdown of the charges owed but not the original contract of the debt containing my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
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:
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 U.S.C1681. ** These items below are inaccurate reports, accounts balances inaccurate dates, multiple creditors under different names, some accounts not mine. ** Creditors below have yet to provide proper documentation, they respond stating all reports are accurate. Which they are not at all. Still can't prove accounts do in deed belong to myself, name, XXXX, XXXX and social. Acct name : XXXX acct # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX XXXX XXXX acct XXXX XXXX Acct name XXXX XXXX XXXX acct # XXXX Acct name : XXXX XXXX XXXXXXXX XXXX '' acct # XXXX Acct name : XXXX XXXX XXXX XXXX, acct # XXXX Acct XXXX XXXX XXXX, acct # XXXX Acct name : Child Support acct # XXXX Acct name : XXXX, XXXX # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX XXXXXXXX, acct # XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXXXXXX XXXX XXXX XXXX, Acct # XXXX Acct name : * 15 U.S.C 1681 Section 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. * 15 U.S.C 1681 Section 604A Section 2 states I must consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication; * 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. * 15 U.S.C 1681 Section 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-03-01
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:
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 U.S.C1681. ** These items below are inaccurate reports, accounts balances inaccurate dates, multiple creditors under different names, some accounts not mine. ** Creditors below have yet to provide proper documentation, they respond stating all reports are accurate. Which they are not at all. Still can't prove accounts do in deed belong to myself, name, dob, Birthday and social. Acct name : XXXX acct # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX XXXX XXXX acct XXXX XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXX XXXX XXXXXXXX XXXX '' acct # XXXX Acct name : XXXX XXXX XXXX XXXX, acct # XXXX Acct name : XXXX, acct # XXXX Acct name : Child Support acct # XXXX Acct name : XXXX, XXXX # XXXX Acct name : XXXX acct # XXXX Acct name : XXXX acct # XXXX Acct name : XXXX XXXXXXXX, acct # XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXX XXXX XXXX XXXX Acct # XXXX Acct name : * 15 U.S.C 1681 Section 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. * 15 U.S.C 1681 Section 604A Section 2 states I must consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication; * 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. * 15 U.S.C 1681 Section 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2023-09-20
Company: EQUIFAX, INC.
State: FL
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: WELLS FARGO & COMPANY
State: SD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Well Fargo fraud department is getting completely ridiculous after XXXX months. I can never get hold of My case workers, no extensions left on voice-mails and ger excuse, after excuse. I was told Friday to wait until Tuesday to get notified by some XXXX? Don't know a XXXX, I don't want XXXX on any case. Then told some XXXX called me at XXXX XX/XX/XXXX, left voice-mails but nobody can find her, what the heck wells fargo. This company still owes me refunds in unauthorized payments from XXXX XXXX to present. See no change, I never opened any accounts with company

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 2023-09-11
Company: EQUIFAX, INC.
State: GA
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 have written to Equifax for the last 2 months asking them to validate my disputes with my sign. All I'm getting back is account has been validated. That doesn't not show proof I did it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notice from Credence resource management LLC of XXXX Texas in the amount of {$670.00} the amount was for Ambulance transportation by XXXX XXXX XXXX on XX/XX/2023. I responded that i have never been in or transported by XXXX on or around those days. I asked that they send me proof that i was transported by this company and they sent me a bill from the company that had my name as the person that was billed but a different person as the patient.

Company response to consumer: Closed with non-monetary relief