BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-17
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On or around XXXX XXXX I requested my credit report and noticed some inaccuracy of inquiries on my credit report i notified Experian, XXXX, XXXX XXXX but haven't got the any answer. XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022. 

15 u.s.c 1681 I ( 5 ) They are supposed to modify accounts that aren't reporting correctly. 

15 u.s.c section 602 A section 2 : States I have right to privacy 15 u.s.c section 604 A SECTION 2 It also states a consumer reporting agency can not furnish an account without my written instruction 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 another 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 disclose to a customer reporting agency if the person knows or has reasonable cause to believe 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 explanation
Consumer complaint received 2023-06-17
Company: Self Financial Inc.
State: VA
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE IAM A FEDRALLY PROTECTED COMSUMER THIS FRAUD ACCOUNT MUST BE DELETED AND REMOVED OFF MY CONSUMER REPOER PERMANENTLY AND INDEFINITELY NOW!!!! 

XXXX XXXX XXXX Reported : XX/XX/XXXX - {$460.00} Needs Attention Overview You have 89 % left to pay on this loan. 

Balance {$460.00} Highest Balance $ XXXX  Monthly payment {$25.00} Opened XXXX XXXX, XXXX ( XXXX mos ) Term 24 months Payment History XXXX made 100 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status XXXX Days Late Worst Payment Status Current Account Details Account status Open Type Secured loan Responsibility Individual Remarks No Info Times XX/XX/XXXX days late XXXX Closed No Info See an error? 
CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving Credit Karma. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi. 

On the XX/XX/XXXX I opened a business account in XXXX branch of Citi and prepared to participate in the {$1000.00} promotion for having {$50000.00} on the account. 
Two days after I left US to visit XXXX for a XXXX XXXX holidays. 
From there I set a {$10000.00} deposit from my account in XXXX bank. I did it from XXXX IP address and the bankers suspected fraud. 
Unfortunately, my Citi account access was blocked after this transaction. I called to the banker opened an account for me, he couldnt help. 
I sent him my XXXX bank statement, but without any luck. 

Then they decided to close my Citi personal account - because I did transfers to my own XXXX and XXXX bank account. 

And in the XXXX they even made a decision to close all of my XXXX credit cards, which I owed for a years. 
My first credit card account with Citi was opened in XXXX, so the closure was very sensitive for my credit score. 
I believe it was because add my Citi cards to the XXXX XXXX - its a special credit card allows transfer of purchases between my credit cards. This feature called Go back in time. 
I have many cards of different banks connected with XXXX This year I decided to get status with XXXX XXXX, so I made a purchases using different cards in the past and changed them in XXXX to XXXX XXXX XXXX. 
The bankers could decide, that I have many purchases at the same time and the same day. 
I even got a call from their fraud department and explained them the nature of the transactions. 

Now I have no relationship with Citi anymore and its so sad. 
I never had any debts or late payments in the past. 
Kindly ask you to reconsider this decisions.

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 2023-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Thank you for taking the time to read this letter. Im writing because I have been dealing with a late payment reported XXXX XXXX  on my XXXX DEPARTMENT. STORE. I was not aware my account was considered late however I am willing to work with XXXX to remove these remarks from my credit files. I believe that my payments were enrolled in automatic payments, however this did not occur for that months payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18
Company: Sterling Infosystems Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
This company has caused me to lose a job opportunity because I have been waiting almost 2 months for a background check from a company that falsely claims they complete 90 percent of background checks in one day yeah right. I have received numerous emails saying my completion date is this date just for that date to come and they push it out another 2 weeks. Here we are it is now XX/XX/XXXX this background check was submitted XX/XX/XXXX and when I now request a status update they will not send an email. The background check is still not complete and I will be taking legal action due to losing this job opportunity.

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 2022-11-03
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:
I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX  due to negative reporting on my consumer credit report. I the consumer was never given an option by XXXX XXXX to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore XXXX XXXX is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.

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 2023-06-20
Company: JPMORGAN CHASE & CO.
State: NY
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:
On XX/XX/2022 I ordered a part from carid.com I placed the order for a car part for {$16.00} The order showed free shipping so the total charges on my screen came to {$16.00} when I receive the item the company charged me {$160.00} for shipping the item. 
I contacted the company and I contacted the credit card company ( Chase ) to dispute the shipping charges ( which was an extremely unfair amount ). The item weighs XXXX pound so even if they wanted to charge me something for shipping, {$160.00} is extremely high. 

Chase credited me for the {$160.00} and then on my XXXX statement they reversed the charge. And threw {$160.00} back onto my statement

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase closed our Business account. We are a XXXX XXXX business. Among other customers, we serve low income communities that can only pay with cash, therefor, 10 % of our income comes through cash. Chase has decided to close our business account for no reason and gave us no explanation. Our account manager thinks it is because of cash payments. This sudden closure is a huge hardship for our business AND our customers. I might have to stop taking cash payments to prevent our account from closing again when we open an account with another bank, which will impact our most vulnerable clients. 

Our books are very clean. We know where cash is coming from and what is being used for, but, even though we have tried so hard to keep everything in order, the bank goes ahead and closes our account with no explanation, causing great problems for our business and customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
2013 XXXX proceedings ex took out a 2nd mortgage against the standing orders. I ended up selling the home and paying off his 2nd mortgage he took out. Iwas unaware of this. So unfair and wrong.

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 2023-06-20
Company: JPMORGAN CHASE & CO.
State: PA
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 received a call from JP Morgan inquiring if I applied for a credit card on XX/XX/2023. I did not make this application. JP Morgan marked it as fraudulent and declined the application. However, a hard inquiry was made on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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 applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by XXXX XXXX to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore XXXX XXXX is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Atlanticus Services Corporation
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was contacted by phone ( and my wife ) on XX/XX/XXXX regarding a past due amount owed to Aspire C.C. They proceeded to inform me I am being sued for an outstanding debt and this call could prevent the lawsuit moving forward. I questioned this debt and validity of the phone and they were able to provide quite a bit of personal info - a bit scary.

I was told that I would be served the lawsuit paperwork if I did not take this last opportunity to settle the amount owed. I caved in ... now I feel I am paying a huge penalty. 
They requested XXXX} on XX/XX/XXXX and continue until the amount due XXXX was settled. After this stressful situation I contacted the credit card company and they had no clue and suggested to contact authorities. I reached out to the collection/law firm per phone number and address - address is a virtual office, property manager does not have the company as a tenant/client. XXXX searches did not yield anything but article for phantom debt collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed unauthorized credit inquiries on my report according fcra these unauthorized and unverified items must removed plus15 usc 1666b its illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: U.S. BANCORP
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a checking account with a signup bonus / promotion. I met the terms of the promotion, but did not receive the bonus. I called on three separate occasions ( spaced weeks apart ) to check on the status of the bonus. During the first 2 calls, the rep suggested they would file some report asking for more info on why the bonus wasn't applied, but they never followed up and I still haven't received the advertised bonus.

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 2023-06-23
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:
n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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

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 2023-06-23
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I use paypal to transfer money to an individual for baseball game tickets on XXXX XXXX  on XX/XX/ but when I got the email it went to a foreign account with a person that didn't match the XXXX account. I filed a dispute with PayPal but less than 30 minutes later, I received an email stating that I can't got a refund and the transfer was legit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/2023 it shows that a bank account through Bank of America was opened without my permission or my husband 's permission. We've had a claim filed for id fraud. When we checked our account around XXXX we then checked all of our emails. I had noticed that we received two emails stating an account application was processing and then approved. The information was signed up using one of my email addresses that are not even on my bank account, which is very weird in itself. It seemed that the application was processed around XXXX this morning and approved within the same time frame. I spoke with a representative in the fraud department of the bank and they stated the fraudster used my login information. They ended up deleting the login information and the account that was opened fraudulently.

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 2023-06-23
Company: OneMain Finance Corporation
State: VA
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:
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXXXXXX 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 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 XXXXXXXX XXXX XXXX XXXX have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have not received {$100.00} ( paid {$5.00} fee ) Fathers Day card Vanilla confirmed in XX/XX/23. It has now been 11 working days; allowing 3 business days for processing 8 days later wouldve reached me by XX/XX/23. Visa states card will be received in 6-7 business from date of order. ( See below copies of your confirmation email. ) As of XX/XX/23 XXXX XXXX, I have called customer service 4 times each with excessive wait times; sent email XX/XX/23 ; checked on vanillagift.com ( no record of order ). 

Now Ive been told I have to wait 15 days from XXXX-with no explanation. Asked to speak to a supervisor call was dropped after 17 minutes of holding, 2nd hold to speak with supervisor waited 57+ minutes-never picked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2023-06-23
Company: Southwest Credit Systems, L.P.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SOUTHWEST CREDIT SYSTEMS , L.P . 
XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX To : The Office of Registered Agent for SOUTHWEST CREDIT SYSTEMS , L.P . 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account information incorrect

Complaint:
Closed account with USAA years ago, did not know account was still open carrying a balance for the last XXXX years.This is beyond fraudulent! Account was paid off and closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation