BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Several months ago we received a letter from JP Morgan Chase Bank informing us that there was an issue with a trust that we have on file with the bank. The letter stated that our checking account would be frozen if the issue was not addressed in a timely manner. We brought the trust documents to our branch where we were assured that the matter would be resolved. Several weeks later we received the same letter. We brought our documents back to the branch and again we were given the same assurance. A few weeks later we received a third letter from Chase and went through the same procedure one more time. Finally Chase froze our checking account without prior notification or warning. Chase took this action because the names on the trust and on our bank accounts were not identical. The bank is entirely responsible for this error. The freeze caused automatic payments originating from our checking account to be withheld. We incurred a convenience fee of {$3.00} from XXXX XXXX XXXX XXXXXXXX and a {$25.00} dishonored payment fee from the XXXX XXXX XXXX XXXX XXXX Department. We requested that the bank reimburse us for these fees in addition to compensation for the aggravation and embarrassment we experienced as a result of their mistake. We subsequently received a phone call from the banks complaint department informing us of their receipt of our formal complaint. We were told Chase Bank is not liable for these errors and owes us nothing. As longtime customers of Chase, we are appalled at the treatment we received. We believe that we should be compensated for our expenses and the ordeal we experienced.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
False information, constant running of credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dispute Details Dispute Date : XX/XX/19 Dispute Amount : {$320.00} Dispute ID : XXXX Declaration I prepaid in full XXXX to merchant XXXX, then i disputed it since merchant are late to ship the item and i don't want it. The dispute was not success, citi told me they paid the merchant, merchant said they never receive money from me. Then nightmare begins. 

Citi has been doing months to resolve this dispute case, but never success. 
I tried so many times to contact the merchant-XXXX, they currently blocked my phone and any phone that called them to seek solution. They refused to do anything, claimed they did not receive money from me, refused to send me item, refused to give me refund, refused to provide any documentation. 
I even stopped by the stores when I was in XXXX 3 weeks ago and asked for help. However, they treated me in very impolitely manner and refused to provide any information regarding this transaction and asked me to talk to my bank, which is citi. They told me they did not receive money from my name at all. And since I was trying to dispute the money, they refuse to provide any assistance or service for me. 

I really need assistance from you to investigate into this case. I was charged, never refund, never receive the item. I need my money back.

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 2023-08-15
Company: Experian Information Solutions 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 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 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 explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
The Financial Organization violated my consumer rights by failing to disclose very important information that was needed to be told before the signing of the agreement. The organization also failed to disclose forms very important forms that was supposed to be given before the signing of the agreement. The organization purposely put dollars amount in other parts of the agreement to gain an advantage and to have me pay more.

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 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have sent several dispute letters to XXXX and Transunion requesting they do an actual verification on a charge off account that is incorrect, the name of the furnisher is XXXX XXXX XXXX XXXX. The account is showing active and closed on different credit bureau reports, and other incorrect information being reported. All 3 credit bureaus are supposed to provide accurate information ( the same information ) and update or delete. XXXX and Transunion continues to say they have updated and verified the information but nothing has changed. This is violation of both FDCPA and FCRA. 

The other company in question is XXXX ( XXXX ). I have never seen XXXX ( supposedly original creditor ) reported on my credit reports or on public records. Out of no where when I was able to remove fraud accounts off of my report, this account appeared with incorrect information. I have asked XXXX to investigate and they came back every time saying that the account is verified as accurate. This company is also reporting false information on my credit reports which is violation. I asked XXXX to have the company verify how I am affected by natural disaster, but they did not do an actual verification. Why would a furnisher claim that a consumer is affected by natural disaster and not provide proof? I have no knowledge of this account at all.

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 2023-11-29
Company: Bread Financial Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXXXXXX  I accepted a new credit card at XXXX XXXX XXXX XXXX XXXX FL. I received an electronic statement dated XX/XX/XXXX. I erroneously created a billing which had transposed my credit union and bank routing and account numbers and so my payment was returned on the XXXX of XXXX. I was charged late fees and interest before I realized that the account was not paid in full. The XX/XX/XXXX statement ( now more than double the original charge ) was paid in full on the XXXX of XXXX. The XX/XX/XXXX statement charged a {$2.00} interest on a " balance of {$24.00} ''? this interest calculation was {$0.00} but the minimum charge of {$2.00} was added to the statement. Knowing that I HAD paid the balance in full, I did not open any statements from Comenity.net/Goodsamrewards. It was not until I started getting frequent phone calls from Comenity, and ultimately messages left. I have documented all of these for you in an XXXX spread sheet Their excessive calls are outside of the law, and as before ( XXXX XXXX  ). I have absolutely NO intention of paying this outrageous collection of interest and late fees for a bill paid in full prior to the due date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax is reporting information on my credit report that is negatively affecting my score. I disputed the authenticity of the collection account XXXX XXXX  in the amount of {$150.00} and it was taken off of my report. However EQUIFAX AND XXXX are still reporting this misinformation causing my credit scores to plummet. I have attached screenshots and photos proving that they are still reporting the account number, and XXXX is not. It is my understanding that all information reported must be ACCURATE across the board. So since this violates the law, I am formally requesting the CFPB enforce that they stop reporting and remove the collection account XXXX At once. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: GA
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 XXXXXXXX # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
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: Old information reappears or never goes away

Complaint:
For the last two years, I have asked XXXX, Equifax, and XXXX to delete a charged-off account that I have with XXXX XXXX because they keep re-aging it, which is a violation of the FCRA. However, instead of removing the account based on their inaccurate reporting, they keep re-aging and reporting the account with the same factual error ( re-aging ) which is a violation of the FCRA. This account 's date of last activity was on XX/XX/2020. Yet, Equifax and XXXX keep moving the the date of last activity to every month, including this one, and XXXX moved it to XX/XX/2020 and has never bothered to correct it. I have sent letters to all three bureaus almost every month for the last year requesting the account to be remove. Yet, they have ignored my requests and keep re-aging the account in violation of the FCRA. The date of last activity determines how long an account will stay in my credit report. By re-aging this account they are repunishing me over and over again and the account will never drop off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: MS
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 am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted the XXXX, XXXX and Transunion regarding my personal information on my credit report. It seems other names or addresses that do not belong to me are on my credit report. 

My only Name is : XXXX XXXX XXXX My only SS is : XXXX My only Address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX My only Employer is : XXXXXXXX XXXX XXXX I see my XXXX XXXX All other names, addresses or employers are wrong and do not belong to me, please update my personal information and delete all the wrong information. 

I have attached Proof of my Drivers License and SS Card.

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-13
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: Investigation took more than 30 days

Complaint:
On XX/XX/2019 joint mortgage account with XXXX XXXX  was removed from my credit report due to issues with the loan reporting twice. Once as XXXX / XXXX and once as XXXX XXXX. The duplicate loan negatively affected my credit history due to increasing my debt to income ratio. Showing I was paying two loans on time instead of one. Upon contacting XXXX XXXX from the legal department XXXX XXXX, attached is a letter stating " XXXX has no control over the credit reporting bureaus and when they will update the borrower 's information. It can only note that the credit reporting bureaus commonly takes sixty ( 60 ) to ninety ( 90 ) days to update credit reporting, and that XXXX has, in fact, acted dilligently to clarify the borrower 's credit reporting, and has previously explained the time elements of that process. '' Please note that after numerous attempts to have this issue resolved, with the credit bureaus and XXXX, the time frame of 90 days has expired since this issue was first addressed in XX/XX/2019. Your response is misleading, and your business practices are unethical by nature. Attached is also my payment history and dispute of missing account information from the credit bureau. I would like proof this information was submitted in a timely manner. The removal of this loan from my credit report has negatively impacted my credit worthiness by over 30 points.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo charged me for fees and closed my account

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 2020-03-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2019 joint mortgage account with XXXX XXXX   was removed from my credit report due to issues with the loan reporting twice. Once as XXXX / XXXX and once as XXXX XXXX  The duplicate loan negatively affected my credit history due to increasing my debt to income ratio. Showing I was paying two loans on time instead of one. Upon contacting XXXX XXXX from the legal department of XXXX, attached is a letter stating " XXXX has no control over the credit reporting bureaus and when they will update the borrower 's information. It can only note that the credit reporting bureaus commonly takes sixty ( 60 ) to ninety ( 90 XXXX days to update credit reporting, and that XXXX has, in fact, acted dilligently to clarify the borrower 's credit reporting, and has previously explained the time elements of that process. '' Please note that after numerous attempts to have this issue resolved, with the credit bureaus and XXXX, the time frame of 90 days has expired since this issue was first addressed in XX/XX/2019. Your response is misleading, and your business practices are unethical by nature. Attached is also my payment history and dispute of missing account information from the credit bureau. I would like proof this information was submitted in a timely manner. The removal of this loan from my credit report has negatively impacted my credit worthiness by over 30 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 reported unauthorized 2 charges on my card in XX/XX/2022- {$180.00} XXXX XXXX, and an {$80.00} that was recurring. 

Capitol One said they would reduce my balance by the amount of the charges and investigate. They asked that I submit my supporting evidence via an electronic link they sent me that they claimed specifically linked to my complaint. I submitted the evidence, which included receipts. 

I also filed a complaint with the CFPB given I have spent over 20 hours on the phone with Capitol One addressing this matter.

They did not review my material evidence. Instead they closed the case and the CFPB that I never responded and closed the case. They they added the charges to my balance, which made my balance over the limit and reflected a 130 % usage.

This in turn caused my credit score to drop XXXX points. The decreased credit score led to the bank denying my loan application.

I have resubmitted the evidence and spent an additional 4 hours on the phone with Capitol One. They still have not removed these charges from my balance and have assessed additional over the limit and other fees to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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. 
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  Balance Owed : {$510.00} According to FCRA Section 605B ( a ) , the CREDIT REPORTING AGENCIES shall block 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.

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 2022-12-28
Company: EQUIFAX, 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:
XXXX XXXX  Credit Card is showing on my credit report that I opened it XXXX XXXX, 2022 and that I did not spend money until XX/XX/XXXX 2022 and that I am 30 days late in XXXX, 60 days late in XXXX, XXXX in XXXX and 60 days late in XXXX. I have never heard of XXXX. I have also never had a XXXX  credit card. I did not open a credit card other than a XXXX XXXX  2 different times with my bank XXXX XXXX. It was not me who requested a report for that XXXX  back in XXXX. I have also never been contacted by XXXXXXXX  in regards to needing to pay anything. This is 100 % not my account. I contacted XXXX and they said they would reach out to me. I havent heard from them. I did contact XXXX to file a fraud report and will be contacting XXXX and Equifax.

Company response to consumer: Closed with explanation