BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-11
Company: JPMORGAN CHASE & CO.
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 am in the process of buying a house, XX/XX/XXXX, I have been approved for a loan with JP Mogan Chase on XX/XX/XXXX. I did not check or go elsewhere for a different mortgage pre-approval or check my credit again. At that time my credit score was XXXX. XXXX, XXXX, XX/XX/XXXX : my credit score was XXXX. I had a conversation with my lender at JP Morgan Chase Loan between XXXX XXXX XXXX XXXX to lock the loan rate because the closing date to buy the house is between XX/XX/XXXX and the end of XX/XX/XXXX. Suddenly, my credit score went down to XXXX points. I contacted the bank and followed up with them, I have the inquiries report stating that my credit score has been checked 5 times. And that is the reason my credit score went down. FACTUAL DATA XXXX/XXXX/XXXX, XXXX, XX/XX/XXXX, and JP Morgan Chase XXXX XXXX XXXX the companies that pull my credit. I'm making a complaint against the companies, and all unauthorized hard inquiries by JP Morgan are to be removed, so my credit score can go back to what it was XXXX. And I can continue the process of purchasing the house at the rate that I qualified for as I already have an executed contract with a builder.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OH
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 was confirmed a victim of the Equifax credit attack. I entrusted my personal info, info that can be used to ruin people 's lives, to them. I have taken all of the precautions since then, but something like this should n't happen to an agency handling this kind of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX Inquiry : XXXX XXXX, 2022 '' my ssn : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL 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 2022-02-11
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have {$100.00} statement credit in my Discover credit card. About 3 weeks ago I requested a refund check of this {$100.00} statement credit. However, I never received the credit balance refund check from Discover Bank. 

A few days ago I called Discover card customer service and requested stopping payment on the check and tranferring the {$100.00} to my bank account on file using ACH Transfer. 

However, so far I still have NOT received the {$100.00} ACH transfer in my bank account yet. I am extremely disappointed with Discover Bank and request Discover to refund me the {$100.00} via ACH Transfer to my bank account on file immediately without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX Inquiry : XXXX XXXX, 2021 '' my ssn : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL 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 2017-06-29
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was told if i make payments of {$420.00} Per month for 12 months during the 0 % introductory cash price i would pay off the loan. I maintained my payment to pay off the loan at the cash price, Including making the final payment on the loan the last month before the 12 months was off. I should have received the loan as paid off by now. Instead Conn 's is trying to charge me the interests rate now, late fees and says i own an addition XXXX $ Which is not true. <P/>When i call Conn 's credit they told me i did make the payment in time, but that it was sent back and i paid too late after that so they wo n't honor the cash price now. That is n't true i did make the payment and it was received and not sent back. <P/>Therefore i should n't have all these late payments on my credit and the loan should be payed off. ( Paid in Full )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CO
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:
Equifax did not properly secure my personal and financial information, resulting in a data breach that put that information into the hands of unauthorized users. The website they set up, using non-secure methods and on a non-affiliated domain name with anonymized who-is information and improper SSL encryption, reported this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: The Bureaus, Inc.
State: IL
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:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! The Bureaus, Inc. violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX ( XXXX ) dispute letters were already sent to the Credit Bureaus but upon reviewing an updated Credit report I ordered from XXXX, I was taken aback to see that no changes was made at all! I am frustrated by these actions taken by the Credit Bureaus. I was a victim od identity theft and the items I am requesting to be removed were the results of such crimes. I have read enough to understand my rights which is under the protection of the FCRA section 605b. By the Credit Bureaus choice to ignore mt requests and continued reporting of the disputed items without proper verification or authentication is a cleat violation of my rights. I am rsubmitting this complaint to protect my rights and request that the Credit Bureaus remove the disputed items completely from my Credit Report as soon as possible : XXXX, XXXX, XXXX XXXX XXXX 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 Balance Owed : {$300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$270.00}

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
Consumer complaint received 2022-02-11
Company: Avant Holding Company, Inc.
State: TX
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:
I am a federally protected consumer and I am fully aware that this company, Avant XXXX, is in violation of my rights. As of XX/XX/2021 I sent out a notice to Avant demanding a cease and desist through any and all mediums as well as consumer reporting agencies, I also enclosed a debt validation pursuant to 15 usc 1692g, Furthermore, I am aware that this company did not adhere to the subchapter or my demands and is therefore in violation of my rights. I am saddened to see that this company is still harming consumers by exercising unfair, and deceptive business practices and I may never do business with Avant XXXX again. Please refer to the attachments to see receipt of the notices, as well as the history of noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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:
SOMEONE USED MY MY PERSONAL INFORMATION TO OPEN THIS FRAUDULENT ACCOUNTS IN MY NAME THAT I WAS NOT AWARE OF OR APPROVE I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA 'S On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/22, called American Express at XXXX to get the payoff amount for my account. I made it clear that I wanted the payoff and not the balance due. The rep I spoke with provided me the statement balance. I explained that is not the payoff but the balance and that the payoff would include any interest accrued but not billed. The rep I was speaking with did not seem to comprehend what I was requesting and conferenced in another rep who flatly told me they could provide no other amount. I asked if this was an XXXX  call center and if so to please get me to a US based representative. 

I was transferred to a female rep in the high balance department whose name I did not get but did confirm she was in the US. I explained my need and asked if she understood the request and she assured me that she did. She gave me a payoff of {$9900.00} which I paid and which posted that day. 

Apparently she didnt understand or she didnt know how to give me what I was asking for as I got a XX/XX/XXXX e-statement that reflected {$110.00} of interest due. Just interest nothing else. There should not have been any interest due based on my previous payoff payment. I called the same customer service number on XX/XX/XXXX and spoke with a gentleman whose name I did not get however I know AMEX keeps notes on these contacts. I explained the situation and after several holds, he came back and told me it was due. I disputed that and asked him if he understood the concept of a payoff. He then launched in to some XXXX explanation of interest. I explained that I should not owe interest based of my good faith effort to pay my account in full including unbilled interest which AMEX knew, and which they provided me the amount to avoid interest. I got nowhere. 

I do not believe I owe that money and frankly, even if I did, they should have wiped it out based on their complete inability to provide me help with a basic usual and customary financial transaction. Either Amex is deliberately misleading their customers or they have a system set up to discourage payoffs thereby increasing their interest collections. 

At that point I requested the payoff again and was told it was {$150.00}. I paid it on the spot. There had better be no more interest. I have stopped using the card for now until this is resolved. 

I want my interest money back or a full explanation to me and frankly to you as to why they could not responsibly handle this very basic transaction. What they are doing is, at best, misleading their customers or worse, breaking financial overview laws. 

Thank you for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-11
Company: Millco Management
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have collections from medical bills Amerifinancial ( XXXX ) XXXX XXXX XXXX XXXX that I have informed them and sent proof that I had financial assistance at the time that covered cost 100 %. 

I have a credit card for XXXX XXXX XXXXXXXX that I filed a claim with stating it was fraud. This resulted in them sending it in as a charge off. 

Can you please contact me to assist 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 2017-09-08
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected. This occurred at some point fromXX/XX/XXXX with the news being broken on XXXX XXXX, XXXX. 

Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. 

As of XXXX XXXX, XXXX ( when I last had my own free credit report generated by all 3 credit bureaus ), my personal line of credit and identity do not appear to be compromised. However, if the hack occurred within the last few months, the sensitive information will likely be sold to identity thieves and used some months after the incident. 

Equifax, up until this point, has only offered to have customers run their last names and last 6 digits of their social security numbers through a web page on their website to determine if the customer has been impacted. According to Equifax 's website, I was impacted by the hack. They are offering credit monitoring, which I am denying, because I do not believe they can provide quality service in a secure fashion in any agreeable manner. 

Thus far, I created a fraud alert through XXXX XXXX website for the next 90 days, and will continue to reactivate that fraud alert for the foreseeable future once the alert expires. In addition to that, I am paying money out of my own pocket to protect my information from being used to open lines of credit. I am creating a credit freeze with all 3 credit bureaus after filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2022, I received a domestic wire transfer into my XXXX Checking Account. Chase withdrew {$15.00} from my Account as a fee for the transaction. 

I am familiar with this technology. Theres no cost to Chase. There are no personnel involved. A wire transfer is no different from a payroll or XXXX transfer. And neither are assessed a fee. Wire transfers should be treated the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Shellpoint Partners, LLC
State: DC
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:
On XX/XX/2021 I sent a letter to the XXXX XXXX department for Shell Point Mortgage regarding inaccurate items on my credit report regarding my payment history. It has now been 75 days and I have yet to receive a response back regarding the update of payment history with this company. This has caused me so much distress, because I am unable to apply for new credit with a " 60-Day Late '' status on a Mortgage account, as this is highly frowned upon. I demand that these accounts be quickly brought current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 account was also opened due to identity theft and disputed. The accounts gets deleted every time, then the following month is reports again on 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 2022-02-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I regretfully let someone scam me due to being a desperate single mother Looking for a job on XXXX. I was contacted via text message on Friday XX/XX/XXXX at XXXX XXXX  XXXX by XXXX XXXX about XXXX XXXX XXXX XXXX call center Job and to reach out to the HR manager Download an app to open a link to it so I can text this man. In the process of us texting From XXXX XXXX he tells me he will send me a check in the amount of XXXX to deposit via mobile banking for different softwares I will need for the job. Once the money was available I was told to send to Different vendors which now I see was just different accounts that he /they possibly has. The checks returned luckily I couldnt send any more money out & the money was still in my account when Both checks returned which made me go into a XXXX XXXX. Ive tried everything with my banks but since I deposited & sent the money out Its my fault.So I take it as lesson learn in life.

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