BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-21
Company: DISCOVER BANK
State: MO
Product: Credit 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:
XXXX XXXX XXXX I purchased a vehicle from XXXX XXXX 
-The vehicle was described as " good running vehicle, no mechanical issues except a TPMS '' -When I received the vehicle it was in complete opposite condition. The vehicle had blown headgaskets, blown motor, missing driveshaft, and many other things totaling over XXXX dollars worth of repairs. 
-I immediately contacted XXXX XXXX. They refused to refund me and take back the vehicle. 
XXXX XXXX XXXX I contacted discover to dispute the XXXX charge that I put on my credit card to XXXX XXXX. ( the total was XXXX however XXXX only allows XXXX XXXX to the credit card ). The rest was done via wire transfer. 
-Discover first ruled in my favor, then against, then in my favor, then against. They refused to re open the dispute although I have provided more than sufficient documentation showing that I was sold something other than what was described. 
-Discover told me since I signed an " as-Is '' statement that the charge is valid. However the as-is statement was signed on false pretenses of XXXX false advertisement. 
-If I had known that vehicle was in complete inoperable condition I would have never signed that document. XXXX commited fraud. 

-I have attached documents that discover has already. They range from the following : -Email conversation between the seller and I where they assure me the vehicle is in good mechanical condition with no issues other than the TPMS XXXX 
-Pictures of the vehicle the day it arrived. 
-Pictures of the vehicle showing oil leaking while still at the sellers location ( provided by the shipping agency ). 
-Pictures of some XXXX correspondence between XXXX and myself where XXXX is knowingly admitting to their negligence in reporting issues with the truck in regards to it missing a driveshaft. 
-Pictures showing an advertisement for another vehicle listed as NON OPERABLE, however the vehicle I purchased was listed with the only issue being a TPMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023 my possessions were stolen. My wallet with all my bank cards and phone were stolen. I called chase on XX/XX/XXXX and told them my cards have been stolen so they knew my cards were gone. When I got home from vacation on XX/XX/XXXX I went to get a new phone at XXXX  and finally accessed my accounts. Someone had got into my account and did a lot of transactions and chase reversed or denied them for the most part but theres XXXX over {$2000.00} in transactions ( {$300.00}, {$700.00}, {$1000.00} ) that they wont return and Im not sure why. I spoke to the person that denied it and she was very rude about it for some reason and said XXXX  you cant get back because its like cash same thing with XXXX XXXX but they refunded the XXXX XXXX transactions they made which doesnt make sense. She said well take it up with them have a nice day and hung up. I proved to them that I didnt have my phone, there was a bunch of other fraud which they returned but wont return my {$2000.00} in XXXX payments which came from my account that I already report as fraud but wont return it. It just makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
BOA failed to investigate fraud complaints of XXXXXXXX XXXX Claims were XXXX  and had not been investigated to this date. I had all BOA alerts and safeguards in place. I informed bank that I WITHDRAW my fraud claimed and please set a closure date for them to return to me my XXXX XXXX XXXX No one at BOA will talk to me and I have no idea of my funds since they also closed access to my accounts. I have a XXXX} BOA credit card due and since I have no access to my money or my account info, this bill can not be paid. I have visited bank and was escorted out by police. A quoteleave now because I do not care how old you are, I will take you to jail. Bad words for a bank holding ransom my money

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 2023-10-13
Company: DISCOVER BANK
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: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX Account XXXX Account Name : XXXX Account NumberXXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY 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 seven 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 non-monetary relief
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: TX
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 2023-07-25
Company: Loqbox US 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:
In accordance with the fair credit Reporting act Loqbox Account XXXX XXXXXXXX, has violated my rights.

1

5 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 any purpose. 

Loqbox XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hope this letter finds you in good health. As a loyal customer, I'm writing to you to voice my concerns about certain late payments that were shown on my account. 

XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service I respectfully ask for your cooperation in removing the late payments that were noted from my account history. I cherish my good relationship with the credit card company and pledge to create a more regular and timely payment schedule going forward. 

I am aware that the company has policies in place regarding late payments, and I sincerely hope for your understanding and consideration in this matter. If there is any additional information required or a formal process to follow, please guide me through the necessary steps.

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 2023-10-15
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Wells Fargo checking account that promised a {$300.00} bonus by meeting certain conditions : {$25.00} opening deposit and {$1000.00} in direct deposits within 90 days. There was no code needed if you clicked directly on a link online ; only a code was needed if you did it in person. I absolutely clicked on the link and exceeded the required terms. I have no proof I clicked on the link. I have made numerous calls to Wells Fargo regarding this issue. I received a letter dated XX/XX/23 that account was not opened using required link. This is absolutely false. Again, I have no proof - no code was required. I was on the phone for XXXX minutes and the only resolution was to file a complaint through Wells Fargo. With the customer service I have received so far, I knew this would be a waste of even more of my time. 
Due to the wait times to talk to representatives regarding checking account bonuses, I think they are denying many people their rightful 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 2023-10-22
Company: ALLY FINANCIAL INC.
State: MD
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:
I am in the process of legally changing my name and I checked my credit report and noticed that there are unauthorized inquires on my report and must be removed immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ALLY financial 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 2023-10-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/2023 I received an email confirming I had been approved for a Chase Sapphire credit card. I was also informed I was a Chase Private client account and had a checking account opened in my name. I called chase and after talking to several people the account was closed. They had all of my correct information and eventually sent me the card, after I had cancelled type account. I received letters stating the accounts were closed but they did not have incident numbers on them. 

On XX/XX/2023 I received an email at XXXX XXXX thanking me for my application for a Chase Freedom XXXX Credit card. I called at XXXX to report the fraudulent activity since I did not apply for any credit card. Again, all the info they had was correct. The credit application had not yet made it to the review for approval. 

I believe that someone at Chase is opening these accounts fraudulently. Two times seems odd and the info was correct for me to receive the card at my home address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: EQUIFAX, 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:
Realized that I was a victim of identity theft on XX/XX/2022. Since then, I have attempted to reach out to the creditors and the credit bureaus directly with multiple letters and have yet to receive a response or a resolution to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is my second attempt to investigate this account with XXXX XXXX XXXX XXXX I do not have a account with this company and this company do not have my permission to insert this account on my credit file I asked for the original contract never did I receive on then. Equifax said they did verify this account with XXXX XXXX ACCOUNT NUMBER XXXX and I HAVE PROOF BELOW THAT LAST TIME IS WAS UPDATED WAS XX/XX/2023. PLEASE hold this company accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
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: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: TX
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:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-09-15
Company: DISCOVER BANK
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have recently started dealing with a debt consolidation company. I have informed my credit card company of this and updated contact information as suggested. Discover continues to call but now also calls my work. Every Day. I have never given them my work number or contact information. It is not listed on my account as a point of contact either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: TrueAccord Corp.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX  TrueAccord Debt Collector sent me an email, stating they are trying to collect {$100.00} from me on an account that I was never on. The account that they emailed me to collect on was my boyfriends account that has a XXXX balance. The XXXX balance for this account has been confirmed with XXXX, ( XXXX XXXX ). 
This account was opened by my boyfriend before I knew him. XXXX  had an issue stating the equipment was not returned when he moved. We have the receipt from XXXX  store showing the equipment returned before we moved. Once XXXX  was given the receipt information, they resolved their dispute, and stated XXXX store was at fault. XXXX  shows a XXXX balance for this account. It has been over a year since we moved. 
I wrote TrueAccord a responding email with this information above, and uploaded a letter from XXXX stating the issue for the account in collections has been resolved. TrueAccord wrote back that the investigation is ongoing. That they will resume collection from me and would like my E-Sign Terms signature to validate documentation to email. I did not sign TrueAccords documentation because their collection is fraudulent. I wrote back requesting that they remove me from their system and to send me an email letter to confirm that I have been removed from their collections. I have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, 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 natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: FL
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:
Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my My XXXX XXXX Equifax, XXXX credit report., latest credit report shows below credit inquiries that I did not authorize, I am writing to dispute the following inquiries and ask for their removal from my credit report. 

as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 



1- Account name : XXXX XXXX XX/XX/2023 ( I dont have any car or house ) I dont know why I see XXXX XXXX XXXX Account name : 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 response to consumer: Closed with explanation