BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-27
Company: JPMORGAN CHASE & CO.
State: OH
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:
I submitted a dispute with CHASE bank because there were unauthorized transactions in my account totaling to {$250.00}. I received a temporary credit until the investigation was completed. CHASE bank then sent me a letter dated for XX/XX/2022, stating that the investigation has been completed and the transactions was valid and the temporary credit of {$250.00} will be reversed from my account on XX/XX/2022. CHASE Bank has not provided me with any documentation that proves that these transactions were in-fact authorized by me. Pursuant to 15 USC 1693g ( a ) it is the purden of proof for the financial institution to provide proof that an unauthorized transaction was authorized by the consumer by signature, photograph, or fingerprint or by electronic or mechanical confirmation. CHASE has not provided me with any of the requirements under this subsection. Also, CHASE has in-fact deducted {$250.00} from my account on XX/XX/2022, without providing me with any of the requirements listed under 15 USC 1693g ( a ). Please help assist in resolving this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the contract..however I did not give any written instruction nor did I authorize these unauthorized inquiries onto my consumer report. Attached to this complaint will be my FTC REPORT SHOWING THAT THESE ARE FRAUDULENT INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Resurgent Capital Services L.P.
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:
This collection account is being reported as an open account which is not under FCRA compliance and is also inaccurate reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Advanced Collection Bureau, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My personal information was shared without my permission. This inaccurate credit reporting has resulted in my children suffering homelessness because I can not find housing. My inability to furnish housing for my children for the last two years is a direct result of the credit reporting agencies undermining a banking system that depends on fair and accurate reporting. I did not give these agencies permission to furnish my private personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act XXXX and XXXX account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX  account # XXXX, and XXXXXXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a right to privacy. 

15 U.S.C 1681 section 604 A. Section 2 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 non-monetary relief
Consumer complaint received 2022-08-20
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
XX/XX/2022 FTC.gov I have notified Nelnet that there are two fraudulent student loan accounts that they are reporting on my credit report. They have refused to update my credit report and remove the fraudulent information. I have filed a federal complaint regarding these fraudulent claims that I have student debt with the federal student aid commission as I did not take out any student loans in the amount Nelnet is reporting on their behalf. I had a student loan in the amount of {$7000.00} and the loan was paid it in full with XXXX XXXX. This information that Nelnet is reporting is outrageous and fraudulent in my name. The two loans that are showing are in the amount of {$76000.00} and {$15000.00}. I have asked the federal student aid commission to investigate the fraudulent claims reported by Nelnet regarding debt taken out in my name without my consent. This has severely ruined my credit. Although I have finally been able to purchase a home, this nonsense has caused a great deal of grief and stress for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
I finished a job for a client in the amount of {$270.00} the square company put my payment on hold. since I use them to accept debit card payments and within 4 hours I got a email saying my account was deactivated and I had to wait 90 days to get my money. With all this they restricted access and I cant call or chat with them regarding the issue so I sent a email to them and they havent got back I believe this to be fraudulent as they are holding my hard earned money I worked for- for 90 days plus my account was deactivated without any explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Experian Information Solutions Inc.
State: NC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}

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 2022-06-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe Im a victim of of identity theft I noticed theres an fraudulent close auto accident from XXXX XXXX XXXX XXXX XXXX ) opened XX/XX/XXXX for the sum of {$11000.00} thats in collections that I did not open, along with 9 inquiries listed on my credit report that I did not authorized. My personal information was leaked in the XXXX XXXX data breach. In accordance with the Fair Credit Reporting Act my rights have been violated. 
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 an account without my written conse

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 2022-06-22
Company: EQUIFAX, 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:
I submitted a request for a follow suit on a collections account. I sent the information to Equifax and the collection account came back verified through Equifax. When XXXX attempted to verify the debt they couldn't so they in turn DELETED the account. There would be no way one could verify the account and the other can't. This does not provide for MAXIMUM POSSIBLE ACCURACY WITH MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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: Information belongs to someone else

Complaint:
I believe Im a victim of of identity theft I noticed theres an fraudulent close auto accident from XXXX XXXX XXXX  ( XXXX ) opened XX/XX/XXXX for the sum of {$11000.00} thats in collections that I did not open, along with 9 inquiries listed on my credit report that I did not authorized. My personal information was leaked in the XXXX XXXX data breach. In accordance with the Fair Credit Reporting Act my rights have been violated. 
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 an account without my written conse

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 2019-10-19
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the contract..however I did not give any written instruction nor did I authorize these unauthorized inquiries onto my consumer report. Attached to this complaint will be my FTC REPORT SHOWING THAT THESE ARE FRAUDULENT INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 successfully paid the {$8400.00} to my XXXX XXXX credit card in XX/XX/XXXX ( the payment confirmation from XXXX XXXX is attached ) but XXXX XXXX wrongly missed the payment ( the payment activities from XXXX XXXX are attached ) and intentionally ignored all my disputes with that missed payment, and then wrongly added delinquency to my credit report. 
After I disputed the wrongly added delinquency with TransUnion on XX/XX/XXXX, TransUnion failed to meet its reinvestigation obligations and, on XX/XX/XXXX, sent me the dispute result without correcting this wrongly added delinquency ( the dispute result is attached ).

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 2022-04-23
Company: Experian Information Solutions Inc.
State: SC
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 have no knowledge of these items being reported on my credit report I have request validation of these items by submitting any documentation with my wet ink signature on it. These items are reporting negative on my report in which The credit bureaus have failed to provide me with a proper investigation into the matters. I have filed a police report as well as a FTC complaint in regards to this matter. According to the FCRA and the FDCPA you are required to provide me with all of the documentation you have verifying that this debt belongs to me. XXXX account # XXXX is the account in question

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: Westlake Services, LLC
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
After moving states I started having issues with them losing my current information and when I want to make a payment early or the due date it will only give me error codes, I have been having these issues for 2 years and I have to wait till its late and receive a call from them. Then I have late fees and it hits my credit it for being late, even tho I try to make it on time. I spoke to a supervisor months ago and was laughed at and told that their side has different information and have to pay with card with additional fees or they will take the car. They never help and have complain multiple times to them and its the exact same every month. I finally called around for help and found you guys. I really need help because the moment I got the car I been pushed back into a corner with the dealer ship and west lake. I am unable to refinance it due to the late payments.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT ; THOSE LISTED ACCOUNTS AREN'T MINE. Please block that information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, 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 2022-06-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I contact Equifax today to ask why a new inquire from XXXX appeared on my credit report when there is supposed to be a freeze to stop anyone from accessing my report. Someone tried to get credit. After asking to have the item removed because of fraud and to have a special word/code to protect against accessing my report by anyone, I got the run around. I asked Equifax to transfer me over to the Fraud department but twice the call was ironically disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After falling behind with my Torrid - Comenity Bank, XXXX, XXXX XXXX, XXXX and XXXX  payments I made several arrangments to become current with my accounts. I scheduled a payment plan of {$100.00} monthly starting XXXX XXXX XXXX XXXX XXXX for Torrid, {$72.00} for Comenity Bank, {$100.00} Comenity Bank and {$110.00} on XX/XX/2022. Unforeseen circumstances prevented me from fulfilling my obligations. My discrepancy is the aforementioned attempted to collect the fees twice instead of the one time agree resulting in me spending hundreds of dollars in fees of charges I didnt authorize twice, only once but as you can see Ive been charged double on numerous occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Experian Information Solutions Inc.
State: IA
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:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is XXXX XXXX and XXXX reporting the monthly payment as {$260.00} a month but Experian {$320.00}? Which one is it? Is it {$260.00} or {$320.00} a month Why are there XXXX different balances being reported? XXXX XXXX is reporting a balance of {>= $1,000,000}, XXXX is reporting a balance of {$12000.00} and Experian is reporting a balance of {$12000.00}. What is the balance of this account? 
Why is the payment history reporting inaccurately? 
For XX/XX/2022, XXXX XXXX isn't reporting anything, Experian is saying I'm 90 days late and XXXX is reporting I'm on time. How can I be late and on time for the same month? 
For XX/XX/2022, XXXX XXXX isn't reporting anything, Experian is saying I'm 120 days late and XXXX is reporting me as on time. Which one is it? Was I late or on time? 
This account is reporting completely inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation