BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: NC
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:
by fcra rights and laws for my consumer protection i have not given XXXX XXXX .XXXX  XXXX experian i am requesting remedy for {$5000.00} plus removal permission to goto a third party and illegally furnish my bankruptcy in which the courts sent me a letter they do not and will not place a record on either reporting agency and they lied and responded fraudulently that the info was furnished by the courts itself this is not in truth, at this point i am asking remedy and seeking removal now no one has writes to do this to me take my personal business about my life and furnish it from any of these third party entities and lie ask them why the courts have proven they are in violations and they dare lied to you ask for evidence i already supplied attached to the previous reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: JPMORGAN CHASE & CO.
State: MA
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:
Company : JP Morgan Auto Finance XXXX XXXX XXXX, Mail code XXXX, XXXX LA XXXX This was a lease for a XXXX  XXXX. XXXX was involved in an accident, total collision. My Insurance company, XXXX XXXX, sent JPMCB reimbursement check. JP stated there was a residual amount of {$1.00}, XXXX. I paid this amount accordingly, 2 years ago!!! Now, JPMCB has erroneously reported it as a Charge OFF. I contacted JPMCB, they have NO EVIDENCE or account information available. 

How are they allowed to report negatively on an account that has no evidence? 
This is impacting me negatively and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # 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

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 2022-06-28
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I canceled the checking account created through US bank on XXXX by phone, but I still haven't received the remaining balance that was supposed to come in 10 business days. All the phone counselors only said they would call me to check again, and repeatedly said that the check was issued but not sent. No one called me back. When I visited the branch, I was informed that I could only consult by phone.

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 2022-11-30
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:
XXXX XXXX Amount : {$75.00} Date Opened : XX/XX/2020 XXXX XXXX Amount : {$75.00} Date Opened : XX/XX/2020 XXXX XXXX Amount : {$75.00} Date Opened : XX/XX/2020 I have did a thorough investigation and these accounts are inaccurate and I don't recall these accounts. 

In accordance with the Fair Credit Reporting Act XXXX Account, 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 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 2023-02-20
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: OPORTUN FINANCIAL CORPORATION
State: CA
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:
OPORTUN/PROGRESO FINANCIAL IS IN VIOLATION OF ; 15 U.S.C 1681b. ( a ) ( 2 ) 15 U.S.C 1681. ( a ) ( 4 ) specifically in regards to ; -consumer privacy -no written instructions from consumer to furnish information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

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 2022-04-25
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
chime has failed to provide consumer protection after disputes rose for charges occuring from a holding company in XXXX. XXXX who is authorized to serve that region and is prohibited by minnesota law to operate a casino online accessible from here. They have had a standing ban on me, and during the transactions authorization is not logical when access is barred by ip blocker, the following claim dates and amounts were denied today one of which is dated in error by chime for a date that hasnt come to be yet, XXXX {$20.00} XXXX {$46.00} XXXX {$26.00} XXXX {$8.00} XXXX {$75.00} XXXX {$69.00} XX/XX/21 XXXX XX/XX/21 XXXX XXXX {$61.00}, this is likely accurately from XXXX, but reflects their lack of attention to detail. This was just group refused XXXX XXXX  cst. 

This is after i have lodge report with FTC laying out the merchants illegal operation of a prohibited establishment via internet within the state of minnesota, when funds are obtained conducting business under prohibited terms, that results in the transaction being a product of fraud, and an error is clearly present and i am due my money back thats what protection means and they are disregarding the fact that business conducted unlawfully by deceptive means violates the UCC governing all commerence, and federal and local laws pertaining to engaging in defrauding the citizens of this country... chime has been notified and requested to abide by consumer protection and limits on the liability of the consumer. this is only a small part of the loss. further they tell me this morning a error occurred on one of the above matters than refuse to follow that notice and instead again reject it after i supplied the notice from FTC directing me to dispute and pursue chargebacks under my consumer rights, chime is liable for all loss incurred and just disregards my invoking my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, I was a customer using PayPal for my business for a long time, two days ago they asked me for a business address document for a spending limit upgrade which I provided, I was using this account for over 2 years without any violations or troubles. Suddenly today without any notification I get my account closed permanently with my money in it and my bank cars and some of my business payments on my way to the account, all of them stuck now. please help me to restore this account and continue the business.i think this was a mistake Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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

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 2018-08-06
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase bank mishandled a dispute with a merchant. 

XXXX at the executive office at XXXX ( extension XXXX ) ( actual transcript ) : Me : XXXX minus XXXX is not XXXX GA XXXX : OK again MR XXXX WE CAN DISPUTE ( That ). 

No we cant dispute math, its facts. I was scammed and Chase helped them. 

Shes in Chases executive office and shes letting foreign scam companies charge checking accounts without providing any services!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been trying to log into my account and call Comenity Bank to pay my bill for several days. Can't contact them at alI ( phones ine, went on XXXX to contact someone about the general issue I have been having, so many others having the same issue. If I can not pay my bill, I should not have to pay any late fees. 
Thank you for your time. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-01
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:
XXXX XXXX CONTINUES TO REPORT A 90 DAY LATE ON MY CREDIT FILE. THIS IS INCORRECT. THIS ACCOUNT HAS BEEN CHARGED OFF ON XX/XX/2019. THIS INFORMATION IS FACTUALLY INCORRECT. THIS ACCOUNT WAS ONLY VERIFIED FOR MY NAME AND ACCOUNT NUMBER. THE ACCURACY OF THIS ACCOUNT HAS BEEN REPEATEDLY IGNORED. 
THE CREDITOR REFUSES TO GIVE THE CREDIT REPORTING COMPANIES PROOF OF THE LOAN DOCUMENTS, DATES OF DISCHARGE, PAYMENT HISTORY, AND CORRECTLY REMOVE INACCURATE UPDATES TO ALL CREDIT AGENCIES. 
I AM FORCED TO FOLLOW UP WITH THE CFPB, FTC, EQUIFAX, XXXX, AND XXXX MULTIPLE TIMES. THIS HAS RESULTED IN COUNTLESS HOURS OF EMAIL, AND PHONE CONVERSATIONS. I BELIEVE THIS CREDITOR CREATES THESE OBSTACLES TO RESTRICT CONSUMERS FROM A PROPER RECOURSE TO THE NEGATIVE FILINGS. 
REPEATEDLY REPORTING C/O EVERY MONTH NOT INDICATING WHEN/IF THE ACCOUNT HAS BEEN SOLD NOT REFLECTING A {$0.00} AFTER TRANSFERRED/SOLD ( DOUBLE JEOPARDY ) REPORTING INCONSISTENT BALANCES ACROSS BUREAUS DATE OF FIRST DELINQUENCY ILLEGALLY BEING CHANGED CHANGES AFTER 180 CHARGED OFF STATUS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Comenity Bank has been " performing scheduled maintenance '' for over a week without allowing me access to my account. When I call they say the office is closed and hang up. When I try to contact them via " secure message '' on their website it redirects me to log in to send the message and guess what? Since they are having maintenance, it won't let me log in to even message them. I do not feel comfortable having an open credit line with a company that conducts itself in this way. I do not feel that my information is safe and have zero idea what is going on with my own account since I have no access. I have requested my account be closed via their XXXX page as this is the only way to get a message to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX I disputed a transaction totaling {$200.00}. In XXXX they sent a letter saying they closed the account. Go ahead and close the XXXX account I dont XXXX care! They sent me two debit cards for a closed account. Makes perfect sense!

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 2022-06-28
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/22 I mailed a letter to congress collection for debt validation and they responded by sending me a bill. Nothing else to verify that i owe them this debt to them or anything bearing my signature. I mailed another on XX/XX/22 letting them know that by sending me a bill and nothing else to prove that i owe them for this bill, but they never responded back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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 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 2022-06-28
Company: Synovus Bank
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In late XX/XX/2022, I wrote a check intended to be for {$9000.00} to someone from my personal checking account at Synovus Bank in XXXX, SC. Unfortunately, I wrote the check ambiguously and it should have been rejected by the receiving bank. The check was cashed at XXXX Bank in NC ( with whom the recipient banks ) for {$9000.00}. Days later it cleared Synovus for {$9.00} ( see attached ). When, I looked at the check image, I saw the confusion and approached Synovus for advice on how to handle it. I contacted the recipient who verified that it had cleared for {$9000.00}. Synovus sent the balance of {$8900.00} to XXXX on or about XX/XX/2022 with my approval ( see attached ). XXXX claims to have never received this transfer and months later changed the cleared amount from the original {$9000.00} to {$9.00} claiming to have never received the funds causing a nearly $ XXXX shortfall in the recipient 's account at XXXX. I have contacted Synovus multiple times and have been told the money was sent and it is not their problem. The recipient has contacted XXXX multiple times and has been told they don't have it. I filed a complaint with the FDIC who sent me to the Federal Reserve who sent me to you. {$8900.00} is lost and neither bank can/will find it. This should not be possible in an electronic, protected banking environment. All I am asking is for them to make the effort to find the money and return it to me so I can write a new check or send it to the recipient where it belongs. 

In retrospect, I should never have agreed to the {$8900.00} transfer, but I had no idea that the money would just disappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH
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 COMPANY HAS BEEN CAUGHT PUTTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT BEFORE! AND HERE THEY GO AGAIN! THEY DID NOT EVEN SEND ME A LETTER OR NOTICE FOR THIS SO CALLED ACCOUNT THAT I AM UNAWARE OF! THIS ACCOUNT JUST POPS UP ON MY CREDIT REPORT! THAT IS A VIOLATION! 15 USC 1681 ( N ) ( B ) ALSO I AM DEMANDING FOR THE WRITTEN CONSENT/ CONTRACT WITH MY SIGNATURE SAYING THAT I GAVE THEM THE RIGHT TO ACCESS MY MEDICAL RECORDS AS WELL AS PERMISSION TO REPORT ANYTHING TO MY CREDIT REPORT! BECAUSE WHERE DID THIS ACCOUNT COME FROM???!!! I AM CONFIDENT THAT WAKEFIELD & ASSOCIATES IS A PREDATORY COMPANY WHO HAS MULTIPLE VIOLATIONS FOR FRAUDULENT REPORTING!!! THIS IS UNACCEPTABLE!!! SOMETHING NEEDS TO BE DONE ABOUT THIS COMPANY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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, Account # XXXX, Account # 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 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

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