BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-23
Company: JPMORGAN CHASE & CO.
State: LA
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX, XXXX  a fraudulent charge of {$2200.00} was made on our Chase XXXX XXXX account ending in XXXX. The charge was for XXXX XXXX. 
My wife and I became aware of the charge several days later and contacted Chase. 
Chase cancelled the card and issued a new one ending in XXXX. 
Chase opened a fraud investigation into the matter. 
All seemed well until XX/XX/XXXX when the fraudulent charge was reinstated by Chase on the new account for the XXXX 
This was very alarming as we did not make the purchase nor have we used XXXX XXXX in recent years. 
When contacted, Chase guided us to Fraud Recovery and the employee indicated that the investigation did indeed show I made the purchase. When asked for proof they could or would NOT produce it. I took the matter up to management level and they reopened the investigation whereupon we were informed that they reinstated the charge a second time as I did make it. 
I confronted them again and they have been evasive and uncooperative and again failed to produce any evidence of the charge saying they couldn't reach XXXX. Surprising as I did relatively easily and XXXX opened a fraud investigation and could not find evidence that I made the purchase. 
On XX/XX/XXXX after heated discussions, a representative contacted me saying that we would be credited for the amount but a two search search of our statement shows the charge is still there. 
We are angered and dismayed as we did NOT make the purchase and further have no evidence of any kind on our end that we ever purchased anything from XXXX in the last few years. How can I prove a negative? 
Per FTC guidance we did send a certified letter to Chase demanding their proof. We await their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Experian Information Solutions Inc.
State: TN
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:
Experian is in violation of the Fair Credit Reporting Act 15 USC 1681. Let me remind you of 15 USC 1681 ( a ) ( XXXX ) ( XXXX ). This company is simply parroting wrong information sent in by another company which has hurt me and my family tremendously. Your company is reporting a XXXX vehicle lease on my consumer report for this information is wrong this was a phone lease. I have applied for a car loan and place to live and have been denied due to your inaccurate reporting. Your company did not do its due diligence while affecting my livelihood. I have attached documents that you you are indeed in clear violation of 15 USC 1681 ( a ) ( XXXX ) and 15 USC 1681s-2 ( a ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) and 15 USC 1681n XXXX a ) ( XXXX ) ( A ). I am unable to move my kids due to this inaccurate information.

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 2023-07-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX PROPERTY OWNERS ) XXXX. Please remove ASAP.

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 2023-07-26
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had XXXX total accounts with synchrony bank, XXXX or which were closed without notice to me, I had no balances on most of them, what remained was residual interest. Ive had several of the cards for a few years, the total limits exceeded XXXX XXXX and were closed because I am a credit risk. They however just approved limit increases on them, so Im confused on how they can close accounts across the board with no notice when there is no plausible reason. Upon reaching out to them, they asked if I would like an action report filed and that was the only response they had beyond reading me a supposed letter that I have yet to receive from them. I feel that this activity should be looked into, as it can cause serious detrimental effects if left unchecked. I even manage a branch of one their affiliated cards they closed of mine, I will make sure I dont recommend it to anyone again.

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 2022-08-20
Company: Continental Finance Company, LLC
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
1. They send me an invoice in the mail every month, after I've asked them multiple times not to send me an invoice. I turn on electronic invoices, it somehow turns itself off. They should look into why or where it's being turned off at.

2. I just tried to use my card twice, it declined. I reached out, they said, " we are requiring proof of address ''. I just moved and don't mind ; however, I was not notified about my card being shut off.

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 2022-04-23
Company: Mid-South Adjustment Co., Inc.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I sent a letter of to this alleged debt : 1. An explanation of what this alleged account balance is for.

2. A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct 3. Original Documentation that shows I agreed to pay this debt 4. The agreement that grants you authority to collect this alleged debt 5. A copy of your STATE LICENSE, including license number However according to 15 U.s.c. 1692 ( c ) ( a ) 15 U.S.C 1692 ( b ) ( 2 ) 15 U S.C 1692 ( b ) ( 5 ) 15 u.s.c. 1692. ( d ) ( 2 ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: TX
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 to the Fair Reporting Act XXXX Account XXXX, XXXX has violated my rights.

15 U.S.C 1681 Section 602 A States that I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish an account without your 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 non-monetary relief
Consumer complaint received 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXXviolated my 609 rights by reporrting incorrect information to TransUnion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX of XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX reported to Transunion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report. This is a violation on my consumer protection rights.

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 2022-11-25
Company: I.C. System, Inc.
State: CA
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:
Please remove and suppress this account, no knowledge or contract with this company 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus. Please remove for innacuracy XXXXXXXX XXXX XXXX - summary XXXX XXXX XXXX Account Number XXXX Original Lender XXXX XXXX Name I.C. System, Inc Date Assigned XXXX XXXX XXXX Original Balance {$1500.00} Current Balance {$1500.00} Responsibility Individual Status Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Comments Account Information Disputed By Consumer

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 2022-08-20
Company: Experian Information Solutions 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:
Credit agency-XXXX XXXX XXXX XXXX XXXX XXXX Acct # /Reference # XXXX 15 U.S.C. 1681 section 602A states I have the right to privacy. In accordance with the fair credit Reporting Act ; XXXX XXXX XXXX XXXX XXXX Account has violated my rights.

604A Section 2- It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI XX/XX/2023 TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion 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 XXXX 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. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2023-09-19
Company: Experian Information Solutions Inc.
State: CA
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 regret to inform you that your decision not to address my identity theft issue on the grounds of an alleged error or misrepresentation of material facts is deeply concerning. What authority do you possess to make determinations regarding material facts? You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated. I am extending one final opportunity for you to process my request concerning the identity theft incident. Failure to do so will leave me with no choice but to pursue legal recourse in a courtroom setting, wherein you will be held responsible for the damage inflicted upon my reputation, credit, and the emotional turmoil I have endured due to this matter. It is highly likely that the true material facts will become evident, and you will be held accountable for your negligence. 

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 2022-08-20
Company: CITIBANK, N.A.
State: NJ
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:
Dispute ID : XXXX Date Amount Description XX/XX/2022 {$710.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX has XXXX their website that they will send a free return shipping label if merchandise is damaged or defective. XXXX refused to send me a return shipping label to send this item back. I sent pictures to CITI with the damaged item, I got a monitor that had a screen crack in it. I also sent pictures showing XXXX 's return policy. XXXX is violating their own return policy by not sending me a return label. Citi closed the dispute against me saying : We previously requested necessary information from you concerning this dispute. We did not receive proof you returned the merchandise and details of how the merchandise was defective or otherwise unsuitable. I sent in information showing XXXX 's policy is to send me a return label. THey never sent XXXX so I can't send it back. I sent in photos and the statement that the monitor was damaged. There is a large crack in the monitor screen. I did everything asked of me. I want my {$710.00} back. I am very unhappy with Citi who I have used for many years.

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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish 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 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 2023-02-11
Company: Experian Information Solutions Inc.
State: PA
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:
Credit bureaus will not update my personal information and wont remove late payments showing on consumer report. Was asked to remove all inaccurate name variations and inaccurate addresses, phone numbers and employment information from my consumer report. The bureau continues to report inaccurate payment history and personal information on my report, Causing me to be denied extensions of lines of credit.

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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After the recession in 2008, I decided to do a loan-modification on my home because the value of my home went from approximately {$400000.00} to {$200000.00} and my home was " underwater ''. After agreeing with the new amount that I had to pay, ( which I paid in a timely fashion ) XXXX XXXX reported the new payments to the credit bureau as late, which negatively impacted my credit scores. 

I was unaware that this occurred until I went to purchase a new home. At that time, I was informed that I would not be able to purchase another house, among other things, until the latenesses are removed from my credit. 

XXXX XXXX did an injustice to me by reporting my agreed payments as late.

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 2022-11-28
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am contacting you because the following items have been deleted from only one credit reporting agency but still appear on others and from my understanding if a account is deleted from one XXXX  the others shall follow suit and remove as well 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 2022-11-25
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Caine & Weiner placed a false debt in my credit report around XX/XX/2022 and again on XX/XX/2022 after receiving a certified letter on XX/XX/2022 that this was NOT my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Central Portfolio Control Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today I received an alert that a collection item had been added to my credit file. I never received a letter from this company informing me of a bill of any sort. I was not afforded the opportunity to examine or refute anything in accordance with the law.

Company response to consumer: Closed with explanation