BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-28
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:
This is my 9th 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 alleged fraud or extortion. 
XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX  Inquired on XX/XX/2022 2022

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 2020-04-17
Company: JPMORGAN CHASE & CO.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I am accusing JP Morgan Chase of not following the PPP loan instructions from the federal government. JP Morgan Chase has accepted hundred of thousands of loans in regard to federal Payroll Protection Program, JP Morgan Chase has decided to " cherry '' pick out of the applicants for the purpose of benefiting Chase and not benefiting applicants. The PPP loan was not designed to benefit banks and no bank should be allowed to pick and choose who they want to give the loan to based off the SBA guidence, JP Morgan Chase did not disclose that they would serve large companies prior to small companies and has mislead small businesses into applying. I would ask that you look into who JP Morgan Chase provided a PPP loan to first ( such as XXXX XXXX XXXX XXXX  ) who owes millions of dollars to Chase, you will see they are picking who owes Chase the most money and when they provide the in debt company a PPP loan first then they will have protection on an debt due. This is discrimination and I request this to be looked into. I would also like to file a complaint that Chase has not provided confirmation emails in regard to loan applications being submitted ( in regard to PPP loan ), this leaves individuals in limbo and not knowing what is going on which prevents applicants receiving well needed loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$2.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : 11 XXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$5500.00} ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX XX/XX/2022

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 2022-09-22
Company: EQUIFAX, INC.
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.

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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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. 

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 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 2022-07-29
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX  is showing up on my credit report. This is not my account. Here is the information : XXXX XXXX Account # XXXX, opened XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, 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 have attached an FTC report with an account and inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All 3 credit agencies isnt letting me dispute my student loan incorrect balance and I tried to dispute late reporting from 5 years ago and the companies refused its been a headache from the start

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-07-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXXDOFEDXXXX XXXX  XXXX XXXXDOFED XXXX XXXX XXXX U SDEPT OF EDXXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX 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

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 2023-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Around XX/XX/2023, I XXXX  {$500.00} to XXXX XXXX to pay for his IT services, from my BofA account. However XXXX XXXX never received his {$500.00}. I did called BofA for information more than once. Per BofA customer representative, the money was sent to a XXXX XXXX  account. XXXX XXXX did not own any XXXX accounts but only a BofA and XXXX XXXX acounts. He also called BofA directly on my behalf, suggesting that BofA can check through his BofA account to see if the money was received. BofA customer service promised him to look into this matter which never resolved. He also contacted BofA for this problem more than once. Frustrated, I wrote BofA a letter to their dispute department. Sadly, BofA never responded to my concern.

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 2023-05-11
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XX/XX/XXXX my SAPPHIRE PREFERRED credit card ending in 6804 showed a transaction CREDIT BALANCE REFUND {$61.00}. Which means originally I had a credit of {$61.00}, and it was taken by the Chase bank for no reason as a charge in my account. 

I contacted Chase customer service phone line on XX/XX/XXXX, agent Cel female told me a check of the same amount was issued to me XXXX after an email was sent by Chase to me on XX/XX/XXXX about the transaction. Email address verified correct by this agent. However I never received any email nor check by chase. Even if an email was sent by chase on XXXX, it is after the money was taken by Chase. She provided check ID XXXX, and told me this could not be reversed and couldn't explain further why this happened. 

This is a misconduct by Chase, taken money away from clients for no reason with no communication is not legal. 

I would like to receive a full credit {$61.00} ASAP of my lost, and {$50.00} inconvenience credit. I would also like to receive a refund of my {$95.00} credit card annual membership fee paid XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
For at least 7 days now, Comenity has been down. I ( and most others ) have been unable to access our account. I can not download statements, make payments, etc. Comenity has not reached out to any customers. They are tweeting the same regurgitated responses about a system update. They claim that the phone number on the back of the card works, when it doesnt. There are technical difficulties. They are also only waiving fees for late payments due on XX/XX/XXXX & XX/XX/XXXX, when the system has been down longer than that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
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: Problem with personal statement of dispute

Complaint:
And according to 15 usc 1681a ( 2 ) ( 1 ) late payments are illegal according to this law and under exclusions. Charge off is considered to be written off as a loss and considered when filing taxes as to be taxable income and should not be used and against the law to use in credit reporting and I have tried to fix this with the XXXX  and with CFPB as well and they still have not corrected my report. And past reporting to credit. The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.

15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

With that being said you cant report a charge off and current late payments on a credit report and this is clearly a violation of fair credit reporting. Thats like double damage to credit reporting on me in all credit agencies. I have been disputing this same is time and time again and this is causing a hassles for something that should be deleted because it violates the law of credit reporting by all agencies. And reporting a past due amount on an account that is charged off as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02
Company: EQUIFAX, 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:
I am contacting you about the compromising of my social security number. I am a victim of identity theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department. Please block and remove all information fraudulent information from my credit report! The following items do not belong to me and is a result of fraud that I did not authorize. 


Fraudulent Inquires stated below XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX A XX/XX/XXXX XXXX XXXX/ Closed accounts XXXX. XXXX XXXX XX/XX/XXXX {$970.00} 2. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NOTE/WARNING : DON'T REMOVE ANY ACCOUNTS THAT I HAVEN'T LISTED ABOVE BECAUSE I AM BUILDING A CASE ON THIS FRAUDULENT ACTIVITY AND SOMEONE WILL BE PROSECUTED AND SUED FOR TAMPERING WITH MY PERSONAL INFORMATION FOR THEIR OWN PERSONAL GAININGS. SO THERE IS NO NEED TO MAKE MATTERS WORSE BY REMOVING ACCOUNTS THAT ARE ACTUALLY MINES ON MY CREDIT PROFILE. THANK YOU!!! 

Please block and remove all information resulting from Identity Theft Pursuant to FCRA 605B ( 15 U.S.C & 1681 c-2 ) which states thst these accounts must be removed within 4 Business Days of Receipt. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent a ceased and desist letter to TD Auto Finance, which was received on XX/XX/XXXX by certified mail. Since the TD Auto received the letter they have called and texted multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, 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 written instructions or my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I tried to get loan forgiveness in the past I was denied. Had this loan for over 13yrs+. Seems like no way of any assistance or help with debt loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
This is a complaint about Bank of America ( BOA ) and their customer service. I am writing to request the proper process of my deposit {$1800.00}, my money {$5600.00} they put on hold, and apology from the customer service. 

On XX/XX/2022, I deposited {$1800.00} of a check with total amount {$5600.00}. I got the deposit {$1800.00} on the same day, with another transaction called " Bank Adjustment '' with amount of {$3700.00}, which is the rest of the check. Then, on the same day, Bank of America ( BOA ) took {$5600.00} from my checking account. 

In the morning of XX/XX/XXXX, I received an email from BOA saying my available account balance is low. I logged into my account and found they put {$5600.00} hold on my account. That's on top of the {$5600.00} BOA took from my account on XX/XX/XXXX. 

I called the customer service at XXXXXXXX XXXX in the morning of XX/XX/XXXX, and explained what happened. The customer service claimed the {$5600.00} they put on hold is from the check. I further explained several times to XXXX XXXXXXXX clearly didn't understand anything and then hang up my phone call without saying anything when I was talking.

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 monetary relief
Consumer complaint received 2021-04-28
Company: Progrexion Holdings, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I signed up for creditrepair.com amidst also diligently working on my credit on my own. They sold me on a dream where they could remove negative remarks on my account. Now since I had already been working on it, since then 2 accounts have been removed - this is because I PAID THEM OFF and or DISPUTED them on MY OWN. In no way did this company have anything to do with it. The dispute they did send out on my behalf generated a DECREASE in my credit score which is unacceptable. Additionally, When I initially signed up, I paid a fee to have my credit pulled then was offered a {$50.00} coupon for the first month 's services ( a reduction of about 50 % ). Despite reminding the onboarding agent multiple times of the coupon I was still charged the full amount. When I called in for a refund, they offered me a coupon for the following month. Now that I want to cancel and receive the {$50.00} refund I would be owed, that is suddenly not possible because I would be paying for the work already done - even though this upcoming payment would be my third in 6 weeks? Very very suspicious business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint to the 3 Credit Bureaus was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$0.00}

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