BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I had a previous submission and the case number is XXXX. 
I got a Company response from CHASE but was not satisfied with the result. 
Chase didn not find out the transaction i disputed was sacm/fraud. 
They told me my claim is expedited to resolve but still under investigation, and they have timeframe to resolve the claim and they issued me a provisonal credit for temporary. 
I expected them to resolve the claim and find out it was unauthorized transaction which was scam/fraud by unknown person. 

I copied and pasted the previous submission below. 
On XXXX XXXX, 2016, while I was checking my CHASE bank account, I noticed that unknown transaction {$200.00} was on pending from my checking account. It showed XXXX XXXX XXXX XXXX which I never used or authorized. I never heard of the name XXXX XXXX. I never lost my debit card and never shared with others. 
I called Chase Customer center and was transferred to CHASE Claim Department. 
I explained the unknown transaction is on pending which is fraud/scam, and I submitted a claim. 
Chase put {$200.00} in my account as a temporary credit for claim # XXXX, and they say they may remove the temporary credit if it 's determined that the transaction was correct or authorized. 
Next day, the status of the unknown transaction has been charged from pending status, and it showed XXXX XXXX XXXX XXXX. 
I was working XXXX 
I never visited or talked to someone who live in XXXX 
I researched the phone number XXXX, and i noticed that there are lots of victims. 
XXXX Chase told me customers can resolve disputed transactions by notifying the business, so they asked me to call the business to resolve this issue. 
But the number XXXX is not working number. 
I also contacted XXXX because the letters XXXX from the description stand for XXXX. 
I gave my debit card number to the XXXX customer center and they were able to find the transaction. 
I have a XXXX account but NEVER linked to any of my chase accounts. 
I only linked to my XXXX XXXX bank account. 
They told me they can not give more information about this transaction although the card holder 's name is my name, because the transaction was not linked to my XXXX account. 
XXXX recommended me to ask Chase to contact XXXX so they can give money back. 
I called Chase again and told everything i was told by XXXX, but they always gave me typical answer they will working on. They never contacted XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had a collection that I paid off XX/XX/XXXX the creditor did not report so I disputed the item XX/XX/XXXX the creditor reported however that did not report the correct info and since it was disputed once experian will not allow me to dispute it again even though it 's a completely different issue. It may seem like I 'm splitting hairs but The way it is showing on my report is unacceptable because it shows negative and could be perceived as a still open collection. The creditor did put in the notes the account is paid and closed but that also needs to reflect on the acct status because someone might not read the notes. They also failed to report the balance and the reported that I only paid {$53.00} when I paid {$60.00} the reported in XX/XX/XXXX and XX/XX/XXXX that I still owed {$21.00} and that the account is still in collection. With these issues it makes it look like the account is still in collection and that I still owe {$21.00}. The account needs to show paid and closed with a zero balance with the correct amount that I paid and when it was removed from collection

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I've sent a letter lastXX/XX/2021 but it is almost 30 days now but no response yet. I am a victim of Identity Theft. I'm so stressed every day, I got a low credit score because of fraudulently used of accounts without my permission. I've already contacted the credit bureaus and furnishers to raise this issue.

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 2022-03-15
Company: Experian Information Solutions Inc.
State: WA
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:
My name is XXXX XXXX, I am writing on my own behalf, there is no third party involved. On XX/XX/XXXX, I submitted an FTC report for numerous fraudulent and unverifiable accounts and inquiries on my credit report on Experian 's website. There were 7 inquiries that were apparent as fraudulent, including- XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX / XX/XX/2022 XXXX XXXX  / XX/XX/2022 XXXX / XX/XX/2022 XXXX XXXX XXXX / XX/XX/2022 XXXX XXXX XXXXXXXX/ XX/XX/2022 XXXX XXXX XXXX / XX/XX/2022 I wrote a letter to Experian, and sent them my FTC report including proof of identity on XX/XX/2022 that included all of the above inquiries that are fraudulent and unverifiable. The problem is their are still numerous fraudulent inquiries and credit accounts on my credit report that are drastically effecting my ability to operate in commerce. The following inquiries, Experian removed from my report : XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX / XX/XX/2022 XXXX XXXX XXXX / XX/XX/2022 XXXXXXXX XXXX XXXXXXXX/ XX/XX/2022 XXXX XXXX XXXX / XX/XX/2022 HOWEVER, the fraudulent inquiries : XXXXXXXX XXXX / XX/XX/2022 XXXX / XX/XX/2022, and XXXX XXXX XX/XX/2022 including the unverifiable debt amounts attached to these accounts are still furnished on my account. Not only did I never give the above companies permission to furnish my account, but these are debts claimed to be owed by me, are furnished on my report and are entirely fraudulent. Experian has yet to make the changes to my credit report as requested. Due to this identity theft allowed and perpetuated by Experian, I am violated. I still have not allowed XXXX nor XXXX furnish my report and post a credit account on my report. Numerous laws have been broken, and my rights have been violated as a federally protected consumer. Unfortunately this has disturbed my ability to operate soundly in commerce due to high revolving debt form these accounts, AND the numerous recent inquiries 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 non-monetary relief
Consumer complaint received 2022-07-10
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been sending dispute letters since XXXX this year, and they never send me a legal verification. Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even providing valid proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-25
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
The problem is that the credit card company keeps using my information with some one else who has a car or a mortgage using my name I have been having problems with this force some time the problem is that I know how much credit I have used and I know how much credit I have not used that is a sign that I am responsible enough o know how much credit I have not used the other problem is that company 's should not be allowed to just tthrow any collections on my report the goal is to get the money if the company do not want to goq to couirut and XXXX XXXX the money then why make it easy force them to just throw some frivilouse non payment on my credit I have never bought a car or a house because of the fact that fir so many years in this XXXX company ' s have it to easy to just throw non payment debt on a person credit company 's should be forced to take the matter to court and discpute the claim not let it sit and XXXXDo nothing company 's know how much deceptive trade practicing they are minipulating and using all my life I have not bought a house because of the fact that the laws for credit bureas accountble. Credit reporting have gone unprotected force consumers like me who actually have the money to get a loan and pay it back if I wanted to do that I need to know what an be done by you to fix this or is this just some dumb complaint line going no wear resolving nothing you tell me!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Credit Karma, LLC
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is an address on my report that I have never lived at ...! ive never lived in XXXX Ohio in my life!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Select Portfolio Servicing is the loan servicer of my primary residence mortgage and the investor is XXXX XXXX. I fell behind on my mortgage because I ran out of money. In XX/XX/XXXX, SPS offered a loan modification but I could not afford the amount. In XX/XX/XXXX, I got a new job paying 45 % and could finally afford the mortgage. Shortly after in XX/XX/XXXX, I began making monthly payments. I applied 3 times for a new loan modification but have been rejected every time even though I can now afford the payments. I am about {$65000.00} behind on payments and requested for SPS to balloon the payment at the end of the loan so I could have an opportunity to become current but they refuse to do so. I don't know what else to do and I need to keep my home to live in with my wife and kids so I am asking for help. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have an account with XXXX : The status should be deleted because I paid for delete by settling the amount. I paid XXXX ref # XXXX with agent XXXX XXXX at Resurgent company on XX/XX/2021 at XXXX via the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
N accordance with the Fair Credit reporting Act Account 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 604A. It also states a consumer agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-22
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I had a business account with XXXX XXXX XXXX XXXX. Asked XXXX XXXX XXXX to close the account and send me invoice for balance because I transferred to XXXX XXXX. XXXX XXXX XXXX never sent me an invoice. They sent it to collection without sending me an invoice or notice. The collection agency the balance was sent to is called " Diversified Consultants ''. Diversified Consultants never sent me an invoice or notice stating my account was in collections. Diversified Consultants reported the collection to the credit bureaus. I was never given a chance to pay the balance. I have never had any issues with making payments as my track history can show. Very difficult to get the collection agency to understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On or around XX/XX/2022 I received a response from Chrysler Capital XXXX Santander Consumer USA , Inc with threats of " repossession '' which would be a crime of embezzlement Definition : Fraudulent taking of personal property by someone to whom it was entrusted. Most often associated with the misappropriation of money. Embezzlement can occur regardless of whether the defendant keeps the personal property or transfers it to a third party. 
Historically, embezzlement became a crime because thefts were occurring in which the elements of larceny could not be met because the thief had the right to possess the funds ; thus, the prosecution could not prove the element of a trespassory taking. Meanwhile, proving embezzlement only requires showing either that the employee had possession of the goods or funds because of the employees position or that the employee had the authority to exercise substantial control over the goods or funds. Courts determine the question of substantial control by considering the employees job title, job description, and the practices of that particular company. Some states also have fraudulent conversion statutes, which provide for the criminalization of actions that border between larceny and embezzlement. The government can also charge individuals with attempted embezzlement. 

Methods of embezzlement differ. Some embezzlers skim off the top so that they continually acquire a small amount over a particular time interval. This method reduces the likelihood of being caught. On the other hand, some embezzlers steal a very large amount of the goods or funds on a single instance and then disappear. Sometimes company managers under-report income to their supervisors and keep the difference. 

The Internal Revenue Service requires that embezzlers include embezzled funds in their yearly income taxes. Upon returning the funds or paying restitution, the embezzler becomes eligible for a tax deduction. Failure to report embezzled funds as gross income can result in the bringing of tax evasion charges. 

Companies have created safeguards to protect against embezzlement. For example, they invented cash registers to ensure that gross sales equal the deposit at the end of a given day. Companies also divide duties between levels of employees as a form of oversight. Embezzlement in the face of split duties adds the difficult requirement of forming a collusive arrangement and likely requires split proceeds, lowering the payoff for each member of the arrangement. 

See White-collar crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Experian Information Solutions Inc.
State: WI
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:
On XX/XX/XXXX I submitted a disputed with Experian credit Bureau, informing them that several items on my credit report was incorrect please review attached document. Mind you, I had to mail the letter twice on XX/XX/XXXX, XX/XX/XXXX and submit a request online on XX/XX/XXXX, before anything was updated. But, it still reflects incorrect information. 

For the following Telephone Number still appear : XXXX, XXXX and XXXX, I do not recognize any of these number and neither of these numbers belong to me. I have asked that no number appear on my credit report, for security reason. They continue to report the wrong information in this section. 

Spouse or Co-Applicant : They continue to report XXXX. 
I have no spouse nor any co-applicant, I am a single female and ask that the following name be removed from my credit report. This is an unknown individual, with no last name on my credit report just XXXX. 


Thank you

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 2016-08-23
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
US Bank rearranged transactions, causing multiple overdrafts. 
When a transaction occurred it would reduce my available balance, and show in my pending transactions. Then, a transaction that technically occurred before the pending transaction, but had not been presented until after the pending transaction, would be rearranged to be withdrawn before the pending transaction. XXXX example : Available Balance on XXXX/XXXX/16 : {$50.00} ~~ XXXX Gas Purchase : {$30.00} ( {$1.00} Presented to bank ) ~~ XXXX Purchase at grocery store : {$25.00} ( Pending-Available balance reduced ) ~~ XXXX Deposit of {$5.00} ~~ XXXX Gas purchase finally presented XXXX Transaction rearranged, so that the total gas purchase is now placed before the grocery store purchase, despite it already affecting available balance. 
There are also other examples of US Bank rearranging transactions to access overdraft fees.

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 2016-03-31
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Hi CFPB, I am a former student of the closed and delinquent XXXX school " XXXX XXXX ''. I am coming today asking for a refund for a loan that I paid through " Genesis lending '' under the fraudulent college in the full amount I have previously paid. I paid the whole loan XX/XX/XXXX while in midst of the whole controversy about deceptive practices of XXXX, and even in that time still made good on my owed amount. I recently had my federal loan forgiven and will be receiving a refund from that, however I also wanted to contact you if it was possible to also have my paid money returned from the Genesis lending service. I have all documents in tact and my account number was # XXXX which then was turned to XXXX ( XXXX XXXX XXXX ) account number # XXXX. 


It is not the largest of amounts, but I 'd like to see if I can receive a refund for payments that I always kept in good standing. I 'd like to take back my money from that corrupt college practice and start a new again, and I feel it should be an entitlement not only for me, but for all the students. That is our rightful money that came out our pockets that we thought was going to a good use, but ended up paying for a sham college that does n't even exist anymore and I want my money back! 

If there is no refund for prior payments made, where is my money??? It was gobbled up by Genesis lending for god knows what and I deserve it back OR it is just sitting somewhere in limbo ... that 's wasted!! 


Need your assistance helping us getting our money back!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
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: Account information incorrect

Complaint:
Fraudulent inquiries and inaccurate account 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 2022-03-15
Company: EQUIFAX, INC.
State: TX
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:
On XXXX XXXX I disputed the inaccurate items on my credit report with Equifax, XXXX, and XXXX no response. I wrote requesting an investigation on XX/XX/2022 into the inaccurate items. To this date I gave yet to receive a reply or any type of acknowledgement regarding their investigation.Today XX/XX/2022 I am fed up. The following inaccurate information motion is as follows : Student Loans from US Dept ED need to be removed from my credit report from all 3 bureaus due to successfully completed the XXXX XXXX. 

Please Help thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been an American Express cardholder since 1983 and I currently pay fees of {$5000.00} a year just for having the American Express XXXX ( XXXX ) card. The Fair Credit Billing Act ( section 1637 ( a ) ( 7 ) ( ii ) requires American Express to disclose an address to which I can send written notice of a billing dispute. American Express is consistently refusing to provide this address to me ; agents claim they do not know it and want to provide me only with an email address, which does not protect my rights under the Act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my right 15 U.S.C 1681 section 602 A state I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 ; TI also state a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation