BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: JPMORGAN CHASE & CO.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
According to 18 USC 241, 242, My rights are being violated. The third party collector has no jurisdiction to collect on a debt that has been discharged. The request was sent for verification of signature but not received. Due process was not given, I was not properly served with notice to appear. It appears during this time, I was dealing with a sick mother, whom is now deceased. There is no contract that exist between my corporation XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I first called on XX/XX/23 to close a chase freedom credit card account with Chase Bank. I no longer needed the card, and wanted to transfer my credit line and rewards balance to another chase credit card which was already opened and activated. Due to a " glitch '' in their security software Chase customer service is unable to access my account. They have asked me to call back in 24-48 hours so their system can reset. I have called back 5 times now over the past 2 weeks, each time with the same response from Chase. I am curently locked out of all customer service functions for my credit cards. I can not close my account, transfer credit, use rewards, update preferences, etc. This has been the case for nearly two weeks and after approximately 8 hours of time on the phone. I am seeking help so that I can close this credit card and regain access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, 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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern, In accordance with the Fair Credit Reporting act XXXX  Account 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.

The Fair Credit Reporting Act 's ( FCRA ) Section 611 allows consumers to challenge inaccurate information on their credit reports. They are reporting inaccurate information in credit bureaus regarding, they are reporting in some bureaus and no in the others ( please see pictures below ). 
- XXXX IS NOT REPORTING THIS ACCOUNT - LAST PAYMENT DATE INNACURATE IN XXXX AND EXPERIAN - PAYMENT SUMMARY AS EXPERIAN REPORTED PAYMENT ON TIME UNTIL XX/XX/XXXX, XXXX REPORT SAID ACCOUNT CLOSED IN XX/XX/XXXXXXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: MD
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:
To Whom It May Concern : PLEASE CORRECT & UPDATE MY CREDIT REPORT TO CURRENT : XXXX XXXX XXXX XXXX  account : XXXX, UPDATE MY REPORT TO CURRENT! In accordance with the Fair Credit Reporting act XXXX. This is a very serious matter of going against the fcra. According to the law you have to update ( XXXX XXXX XXXX XXXX  ( TOTAL VISA CREDIT CARD ACCOUNT ) to current. The last time this account was reporting according to Equifax records was XX/XX/2023 in the month of XXXX. As I am writing this today, today 's date is XX/XX/2023. It has been over 3 month 's since this account XXXX XXXX XXXX XXXX  account : XXXX has been reported. You have violated my rights and have failed to update this account and report my account on time. According to the FCRA you are suppose to update my report every month when the credit card company reports, but you Equifax have failed to update my report to current. I have spoke with XXXX XXXX XXXX XXXX and they said they have been reporting since XXXX all the way to the month of XXXX, but when I check my credit report, the last report date is XXXX. Please correct this error. This is Defamation of Character and if you do not update my credit report with TXXXX XXXX XXXX XXXX account : XXXX I will sue you in court for Defamation of character. 

PLEASE UPDATE MY ACCOUNT BELOW : UPDATE MY REPORT TO CURRENT : XXXX XXXX XXXX XXXX account : XXXX, UPDATE MY REPORT TO CURRENT! 



Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: NC
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:
This is my second 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 following items. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX Balance : {$2900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX : # XXXX, Account 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
HMF please read this. After you " resolution '' of my initial complaint I decided to review my HMF online account page today. Surprise, nothing has changed. My account name is still incorrect and you continue to list someone else 's personal information in my account. It would be funny if it wasn't so pathetic.

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 2018-05-11
Company: LEXISNEXIS
State: IL
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: Investigation took more than 30 days

Complaint:
The plain and simple truth is that LexisNexis failed to respond in the 30 days per FCRA.In the initial complaint no matter the substance, LexisNexis failed to respond in the 30 days per FCRA. In LexisNexis research of the judgements on XXXX XXXX file, LexisNexis failed to respond in the 30 days per FCRA. In LexisNexis not finding the bankruptcy, LexisNexis failed to respond in the 30 days per FCRA. In LexisNexis not having enough information to authenticate her identity, LexisNexis failed to respond in the 30 days per FCRA. 
Not one of these factors are the fault of XXXX XXXX. LexisNexis failure does it relieve it from its obligations per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-07-11
Company: OPORTUN FINANCIAL CORPORATION
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 made a payment thru a debit from my checking acct on XX/XX/XXXX, it was acknowledged by Oportun on XX/XX/XXXX and debited by XX/XX/XXXX. I called on XXXX to check on if it was applied to my account ( it was about the normal time it takes -- although to push on your an " instant '' payment, which they want you to pay for. I find it ironic that anyone would pay to make a payment ). I was told by the XXXX XXXX who could barely speak XXXX that it would credit on XXXX. I did not check the account again until XX/XX/XXXX and it still did not credit. I called on XX/XX/XXXX and was told it was an error on their part and they would " expedite it '' and it would happen in a a few hours or at worst overnight. I checked again a few hours later and was told that the " expedite '' information was false and now it would not credit until XX/XX/XXXX ( which is unacceptable ). They also asked me five times to update my monthly income, which I refused. I spoke to a Supv ( no help and was told " you'll just have to wait '' ) and ultimately a " Manager '', who said the same thing, but he would " file a report '' and I had to wait until XX/XX/XXXX or when I hear from them. All unacceptable answers. I don't know what happened to Oportun-XXXX, maybe they were sold, but their rules and XXXX has vanished and it is the XXXX XXXX. The customer never gets service and is NEVER right. I want this closed and reported to the credit agencies as closed because of their failure to provide service. I did nothing wrong. I feel like Oportun credit cards are a scam. I will also reverse/dispute the charge to my checking account ( now they can wait ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
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: Was not notified of investigation status or results

Complaint:
I have reached out to the Bureau over 30 days ago I am yet to receive a response, these items are inaccurate and should not be 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 2023-07-11
Company: Sezzle Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit bureaus reported on XX/XX/XXXX, via phone, they last received an update from Sezzle on or around XXXX and no updates since. On XX/XX/XXXX, I reached out to Sezzle to inquire about my credit reporting and the last date the reporting was sent. They initially provided a canned response telling me they report monthly and directed me to their website to review the same information. I reiterated that I was seeking a specific date on when the reporting was last sent but the chat agent was unable to provide one and stated they had to escalate to someone who would send me an email. I have yet to receive that email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: DISCOVER BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Unknown person/persons impersonating my identity. Deposit was made mid to late XXXX. Discover closed my account ending in XXXX due to overdrawn fees. Overdrawn fees were an action of Fraud and Ive been advised by XXXX to report a compromise of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: FL
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:
I have contacted this company on several occasions on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX to update my personal information they assured me it can take up to 30 days to reflect the changes and still NOTHING! I sent them a letter also to correct my addresses twice still nothing which led me here. XXXX is reporting inaccurate information on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: FL
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 sent this directly to the bureaus and they have done nothing, This is Identity theft and I would like it deleted.

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 2023-11-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records. 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. Here are the ACCOUNTS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Bridgecrest Acceptance Corporation
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
So in 2020 during covid 19 I was out of work for 11 months and fell behind on a few car payments through bridgcrest in wich I have 3 late payments on my credit report for all 3 credit bureaus in the past 2? 5 yearss I have been back to work and haven't been delinquent one time I spoke with bridgrest the tell me there not allowed to request the late payments be removed from my credit report. There really hurting my score rite now and I need to get approved for a new home in less than 2 months I've tried everything please help!

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 2022-10-29
Company: Experian Information Solutions Inc.
State: IL
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:
I did not open XXXX XXXX  account # XXXX or XXXX XXXX XXXX account # XXXX These are fraudulent accouns I did not give this creditor written consent to access my credit file According to the FRCA The Term " Investigate consumer report " Means a consumer report or portion Thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account # XXXX XXXX XXXX  and XXXX XXXXXXXX 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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Investigation took more than 30 days

Complaint:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over 710XXXX transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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