BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
Company: CITIBANK, N.A.
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Case Number : XXXX On XXXX XX/XX/22 I discovered Citi rejected on dispute WITHOUT letting me respond due to not having much detail on the product. I then submitted my response letting Citi know the detail. However, Citi refused to reopen the case violating my rights to dispute. Even though my dispute had to deal with NOT receiving the product. Here are the facts. XXXX, XXXX, transaction date XX/XX/22 and {$1400.00} According to my records, XXXX  submitted documentation alleging that I have received the product. However, this is not the case. Your department claimed they could not act because they did not have an accurate description. This is untrue and the evidence clearly shows these were sent to an address that is unknown with no signature evidence. Here are the details you are looking for : 1 large duffel bag, 1 Leather care kit, 1 leather cleaner, 2 Mens cedar inserts, 1 boots socks and 1 pair of boots ( the dillon ) size 12-d The evidence in fact shows I was defrauded. No one received the product that was authorized. Under the Fair billing and credit act would like to open the dispute. Further, I would like to point out no proof of delivery was provided besides a XXXX XXXX tracking number that was shipped to a unknown location.

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 2022-06-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was looking at my credit report and notice some inquiries that i did not authorized the inquiries are as follow on expirian XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XXXX XXXX I would like these inquiries 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 explanation
Consumer complaint received 2015-07-31
Company: JPMORGAN CHASE & CO.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Pursuant to an Order of Court on XXXX XXXX, 2015, per XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX, Sec. XXXX, ( XXXX XXXX XXXX XXXX, XXXX ) In the Matter of Succession of XXXX XXXX XXXX, I was granted immediate possession of all funds in Chase Bank Account No. XXXX. It has been almost 3 weeks since I first contacted Chase to deliver these funds, and Chase will not commit to a date by which these will be delivered. Chase has no right to retain money that the Court has ordered to be paid to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: Square Inc
State: MD
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I've made a transaction on XXXX XXXX on XX/XX/20 for {$610.00} using cashapp. I've had issue with the order and reached out to XXXX XXXX  for help. XXXX XXXX tried helping by attempting to provide an refund / exchange but was unsuccessful because their policy restricts them from providing refund or exchanges to Non returnable or All sales final order even if its a defect with the product or services. XXXX XXXX  suggests that I reach out to my banking institution to get these charges disputed because they are limited of options in resolving this issue from their end. I've reached out to Cash app and explained what my issue is with this transaction. 24hrs later Cash app responded with an email saying that I should receive a dispute form with 10 business days. I've finally gotten the dispute form and filled out the necessary details. 2-3 days later after sending the form back to Cashapp, I've received an email from them stating that they can not dispute because they have no rights which is completely frustrating and false statement. I've banked with XXXX XXXX and had disputed with merchants about defective items or services and never had one issue with them! or heard about them not having rights to dispute this transaction because it was an all says item. The law states that I have a right to have a refund or exchange provided from any transaction even if the item was an All sales final or no returns if the ITEM OR SERVICE IS DEFECTIVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: WELLS FARGO & COMPANY
State: IA
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:
I noticed that WF is charging me a {$12.00} a month fee for Identity Theft Protection - I just recently noticed this charge - and completed research that shows I have been charged this fee since  XXXX   2012 . I know I was not provided clear verbal or written information regarding this fee. I sent a message through the online website and was advised that they will not provide evidence that I was aware of these charges. Considering the recent settlement s of WF sig ning up customers for products they do n't want/need/are unaware of, it appears that I am in the same boat. Please Help.

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX  XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXXXXXX XXXX  XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section ( a ) ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rite 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

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP im extremely frustrated.

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 2022-06-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX  XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking this account is inadvertently resulting in me being extorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Chase Bank is reporting an account that does not belong to me on my credit report. I initially contacted the credit bureaus believing that it should be easy to clear up. Incredibly, Chase did not correct the error, so I called Chase and spoke to XXXX in Security. Naturally when they asked for my social security number and contact information, it did not match what they have for the account. When they provided the last XXXX digits of a phone number, it sounded like my parents phone number, and it appeared that the account belongs to my father. Certainly, that should have been tne end of my problem, but instead, Chase left the account on my credit report. It is stunning to me that the credit bureaus and credit providers operated without any regard for accuracy or the people that they impact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX  XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking this account is inadvertently resulting in me being extorted.

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 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
n accordance with the fair reporting credit act these accounts has violated my rights ( public record reference number XXXX XXXX  XXXX XXXX account number XXXX ( XXXX balance XXXX XXXX account XXXX ( XXXX balance XXXX XXXX account XXXX. ( XXXX balance XXXX account XXXX. ( XXXX balance XXXX XXXX  account XXXX XXXX  account XXXX ( XXXX balance 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 i have disputed and have prepared my documents for damages after disputed it has been told to me that this information was furnish by the furniture. i submitted a letter from the court stating that this info is not shared nor does it has any information as such the court does not share this or report this information to anyone. this is a lie and i want it removed immediately i have been extremely challenge credit wise want is owed to me.

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 2021-03-23
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX To whom it may concern, I am writing to update my personal information. There are some mispelled incorrect names and numbers that are on my credit report and there are some fraudelant addresses that I've never lived. Please remove all fraudelant addresses and all incorrect mispelled names and numbers. The incorrect information is as followed. 



Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX Correct Address : XXXX XXXX XXXX # XXXX XXXX MA, XXXX Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Name :. XXXX XXXX XXXX XXXX XXXX Incorrect Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Numbers : ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was looking at my credit report and notice some inquiries that i did not authorized the inquiries are as follow on XXXX  XXXX XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Transunion XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XXXX XXXX I would like these inquiries 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 explanation
Consumer complaint received 2016-03-09
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
chase bank closed ristricted my account numberXXXX XXXX, they said the official closing date is on XX/XX/XXXX, my ballance on the account will be mailed to me XX/XX/XXXX. i have been calling them but they bent on humiliating me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was looking at my credit report and notice some inquiries that i did not authorized the inquiries are as follow on XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX Equifax XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XXXX XXXX I would like these inquiries removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: MO
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 XXXXk # XXXX ; Missouri Child Support # XXXX ; XXXX XXXX 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 ) ; Also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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, XXXXXXXX XXXX # XXXX ; Missouri Child Support # XXXX ; XXXX 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 ) ; 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 2017-02-24
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient is reporting late payments to my credit report dating back to XX/XX/XXXX when my loans were in forbearance they have a knowledge that the loans were in for forbearance but refused to remove my late payments. I have been calling in dealing with them since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I modified my loan, i sent payment on the new loan per their request, not till much later did I discover Bank of America and the serving lender incorrectly applied two payments to the old loan. They now they claim I 'm 60 days late.

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