BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
A restaurant who uses JP Morgan Chase as their bank issued a refund to me using Chase Payments. Chase Payments is a mobile and web-based tool that provides companies the ability to pay their customers using an email address. Chase Payments allows customers to accept payments electronically from any company that uses Chase Payments. The restaurant, nor JP Morgan Chase tell you up front that you are opening an online Chase wallet when you register with Chase Payments to electronically receive the payment from Chase Payments into your own bank account. Once you register and create the account, it's too late. There is no way to close the account. I read the Privacy Notice, Terms of Service, and called their customer support line for Chase Payments multiple times. There is no information to the consumer on their right to close this online wallet or how. When you call their customer support they say they have no idea. So, I now have an online wallet with Chase that I do not want and can not close. Had I known this was an online wallet I would never have registered to receive the payment. Consumers should know up front that they are creating a wallet when they register for payments through this service. There should be an option under the profile area of this wallet that allows a customer to delete the account. I want this wallet deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX, Credit Acceptance and XXXXXXXX XXXX XXXXXXXX got a judgement against me for {$15000.00}. They never received funds, because I was not working to be able to afford them to take wages from me. The judgement disappeared until XXXX. They came after me for wage garnishment, and I believe they received a few {$15.00} payments from XXXX, even tho I wasn't making enough for them to take anything. 
I left XXXX and went to XXXX at the end of XXXX. It's now XXXX and they are now just coming after me again. I am so over this zombie debt! Credit Acceptance is very predatory. They need to be stopped!

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 2023-09-14
Company: Block, Inc.
State: LA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2023 I ordered some home decor and outdoor decor from a merchant online and paid with my cash app card. The first red flag was the cash app name was different than the business name which I purchased the merchandise. The following is what Cash App sent me on XX/XX/2023 when I reported that I never received any merchandise and could not get in touch with the seller. 
'We reviewed your dispute with XXXX  XXXXXXXX XXXX for {$59.00}, and based on the details provided we determined that no error occurred. Therefore, we have denied your dispute. So I disputed again because I still have not received the merchandise I purchased. I was able to find multiple reviews online showing this merchant as a scam business, so I reached back out to the Cash app on XX/XX/2023 and they responded today via email with an attached document that I uploaded showing the charge made but still disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 non-monetary relief
Consumer complaint received 2023-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a 47.6k purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX & XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: FL
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:
My credit report lists a collection account reported by XXXX XXXX for {$1400.00} with an Original Creditor Name XXXX XXXX XXXX. I never heard of XXXX XXXX and I never had any contact with XXXX XXXX nor XXXX XXXX. This is not my account and it must be someone elses. Kindly permanently delete this account from my credit report and immediately and permanently mark the account as Disputed By Consumer as required by the FCRA and FDCPA.

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 2023-09-14
Company: Frontline Asset Strategies, LLC
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The debt collector FRONTLINE ASSET STRA last reported on XX/XX/2023, a NEGATIVE open balance of {$1100.00} from the original creditor XXXX  XXXX  ( Original Creditor ) states and wrongly reported that I opened in FLORIDA on the specific date of XXXX XXXX, this is a FRAUD, and this company has multiple intents on different dates to charge a Negative on my credit report and XXXX about to take this on LEGAL matters and sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Pursuant 15 USC 1681s-2 ( a ) ( 1 ), Trans Union continues to report inaccurate information on my consumer report in regard to an XXXX XXXX XXXX  account. This debt has been disputed multiple times without Validation provided by wet ink signature and Trans Union will not remove this account. XXXX XXXX has closed the account since dispute but the balance on still reads {$1200.00}. I want this account removed immediately as its nature is derogatory and contributing to adverse actions when I apply for other credit. Furthermore, Pursuant 15 USC 1681 ( b ) ( 2 ), Trans Union has never received authorization or written consent from I, the Consumer to furnish this negative account and whatever information they've shared without consent.

Pursuant 15 USC 1681 ( o ), the willful noncompliance and negligence is a major violations of my consumer rights ; as prolonged action on the Trans Union 's end has halted my ability to take advantage of better rates on loans and a mortgage to shelter my Family.

Furthermore. Pursuant 15USC 1681 Section 602 clearly states that Consumers have right to privacy and Pursuant 15USC 1681 Section 604 A section 2, states that a consumer reporting agency can not furnish an account without my written instructions. Trans Union continues to furnish information on my credit report inaccurately and without consent. They have dishonored requests sent certified mail to correct my consumer report and have not provided proof in inaccuracies.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: NY
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 and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased a vehicle from U.S Auto Sales XXXX of XXXX. The vehicle I purchased was a XXXX XXXX XXXX. I purchase a warranty with the vehicle. Well in XXXX of XXXX the vehicle needed repairs. So I took it to a auto shop for repairs then I called the company and found out the company was no longer in service. I was connected to another company called Westlake portfolio. Well this company said it purchase the accounts from US Auto Sales. And they will not honor any warranties they just collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent a request for investigation under to TransUnion On XX/XX/2023 in reference to XXXX XXXX XXXX XXXXXXXX. 

I received a letter advising that TransUnion VERIFIED the information. Im curious as to how they verified this information and would like to receive PHYSICAL DOCUMENTATION to support this erroneous information on my report. 

FCRA States information reporting has to be verifiable and 100 % accurate otherwise must be removed by federal law. TransUnion has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my 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 2023-11-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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:
This is aggravated identity theft! I did NOT authorize these entries on my consumer report as I did not apply for it. Additionally, the entries in the attached dispute letter are not providing any perk, product or service. Please remove it from my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: FL
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:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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

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 2023-09-14
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment on XXXX for {$490.00} to New York and Company Comenity Bank and was told my payment declined. I requested proof from New York and Company Comenity Bank that the payment declined, and I was told I could not receive the proof. I kindly request that New York and Company Comenity Bank provide a complete and detailed accounting of the entire transaction, from its inception to the present. I am not interested in receiving bills, statements, or invoices alone. Instead, I require a comprehensive accounting to determine the honest party in this dispute. Furthermore, documentary evidence on this account would include documents, papers, correspondence, books of account, and financial and corporate records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I just realized my accounts are overdrawn and am owing money I don't know about. Please kindly get the culprits down.

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: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX Referencing the above CFPB case numbers, this is proof that XXXX XXXX XXXX is still attempting to collect a debt from my wife that was never hers, in an amount that she never agreed to. The company closed the account twice, and re-opened it once. Then at the same time, sold it to a collection agency in her name. I have attempted to settle this with XXXX XXXX XXXX and have had nothing but issues over the past few months. I am attaching a copy of the collection notice sent from Transworld on behalf of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I HAVE NO IDEA WHAT ACCOUNT I OPENED IN XX/XX/2022. I ACTUALLY HAVE A CURRENT ACCOUNT WITH XXXX XXXX AND XXXX. I AM NOT AWARE OF THIS OTHER ACCOUNT OPENED IN XXXX. SOMEONE IS PROBABLY IMPERSONATING 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 explanation
Consumer complaint received 2023-11-10
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Date : XX/XX/2023 {$14000.00} Received notice in mail of attempt to XXXX bank account. I contacted the company and spoke to XXXX. 
I asked the following questions : What is this judgement for? He said XXXX XXXX XXXX XXXX XXXX What was the original amount? He did not know How can they get a Judgement without notifying me that I was to appear in court? He said I was served. 

When and where was I served? He did not know, he said that information is at the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Since there have been multiple violations of the necessary reporting requirements, my report 's data is not reliable and full. Having stated that, I reject your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : 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

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