BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On Sat XX/XX/XXXX, I attempted to use my Chase Visa # XXXX At XXXX XXXX & was very surprised to learn I only had a few hundred $ available. I then used my ATM, & when I left XXXX XXXX, I called CHASE VISA & per XXXX at Chase card services - on my account # XXXX my payment of {$5500.00} ( that I made Electronically from my checking account on XX/XX/XXXX ) did not come in until XX/XX/XXXX, was not posted until XX/XX/XXXX, and then was reversed stop payment XX/XX/XXXX! XXXX supervisor, XXXX, refused to take my call because we do not honor the stop payment The payment teams dont handle this type of concern per XXXX. ******** After worrying all weekend, I attempted to follow up with this problem with Chase fraud recovery investigation, on Monday XX/XX/XXXX, XXXX XXXX ( see attached ) XXXX I only got VM- I was referred to XXXX XXXX XXXX. 
XXXX Was FAR less than pleasant OR PROFESSIONAL saying WHOA!! That sounds like a real mess!!!! You owe {$29000.00} too!!!!! Yelling at me. My response was, no I dont. And I hung up on XXXX. 
I then sent an email to XXXX XXXX at the XXXX Ca XXXX Branch & with her investigation, she believes that a {$5500.00} payment was made twice to CHASE VISA # XXXX. Thus, I called CHASE VISA back this morning, initially spoke with XXXX & eventually a supervisor again ( XXXX who apologized for the inconvenience ) & I explained to XXXX That we have gone far beyond INCONVENIENCE!!! That ALL that ANYONE had to do for me on Saturday XX/XX/XXXX, had to do was LOOK AT MY TRANSACTIONS & they would have SEEN WHAT HAPPENED instead of causing me so much anguish, anger & worry!!!!! I do not understand why CHASE BANK IS INTENTIONALLY TRYING TO RUIN MY PSYCHE & my LIFE!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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.

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 XXXX 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 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 2023-02-12
Company: Resurgent Capital Services L.P.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was part of my deceased husband I was forced to pay it due to it being sent to court for judgement. I paid this account to XXXX XXXX XXXX whose client is LVNV funding on XX/XX/2020 amount of {$1500.00}. I received a payoff letter but the new company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who are clients for LVNV funding now who has this account is saying it's not usable and they don't know who XXXX XXXX XXXX are. This account was originally not mines I paid it due to being in judgement with the courts but somehow seems it wasn't posted correctly or sent to right company I have no clue what to do in my position now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12
Company: EQUIFAX, INC.
State: TN
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 been dealing with a company reporting on my equifax credit report which has already been deleted last XXXX for failure to validate however equifax has allowed them to continue to keep reporting even after deletion even doing so without proper notice per us code1681i I have asked on numerous occasions to mail me documents pertaining to this deletion for confirmation and for my records and I have not received such. And it has been over 60 days on when calling they force to sit on hold in hopes to get you to use the faulty online dispute system the company name in question is credit acceptance reporting Us code 1681 ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are reporting a debt to my report without my my consent. they are doing this without my written instruction. they continue to violate my privacy rights. Niether of these companies have certificate of authority to transact business in Michigan. They are not showing me any contract that shows i owe anything and if they did it would be an admission of violating multitudes of state and federal law without penalties and liabilities well over XXXX dollars. this violates the XXXX, FDCPA, GLBA, FACTA, Post Office Act. Wire Fraud Act. that's just the start. there's also multitudes of state law and public policy in violation.

In addition The Fair Credit Reporting Act states multiple times the importance due diligence, accuracy and the grave responsibility of reporting agencies. this information is inaccurate illegal and must be removed promptly in accordance with the law.

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 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 am a victim of identity theft. XXXX, XXXX and XXXX XXXXXXXX XXXX and XXXX have fraudulent accounts on my profile that need to be removed immediately.

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents 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 2023-04-11
Company: EQUIFAX, INC.
State: DE
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:
On XX/XX/XXXX I was going to apply for credit and pulled a current credit report and found that a fraudulent student loan was opened not by me. I tried contacting all credit bureaus and provided them the proper documents that they requested but it has been extremely hard to speak with anybody or get any answers. i dont know how all this works and i have mailed in disputes as they suggested and to this point nothing has been done and i have not received any responses from the credit bureaus. i did receive a response back from XXXX where they accused me of not being me. they said that i hired a company to dispute this on my behalf which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Debt Recovery Solutions, LLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
i have no knowledge of this account, i started receiving calls and at first i thought it was a scam, ,until i continue to receive these calls and now its on my credit report. it says Debt Recovery Solutions,, open on XXXX ..i got fraud protection on my accounts well at least i thought i did..Amount {$640.00} i also have inquiries on account that wasnt acknowledge XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX on my credit i have tried and tried to dispute this account, but no luck XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: Experian Information Solutions Inc.
State: CT
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 ( mortgage servicer ) is falsely listing me as a debtor on a mortgage, however I was never on the mortgage. I believe this is illegal activity on the part of the XXXX mortgage service company as part of the subprime lending crisis. My name was on the Warranty Deed only, never on the mortgage. XXXX has fraudulently reported to credit agencies that I am in default even though the debt/mortgage is not and has never been in my name. 

My credit rating has been severely and negatively impacted as a result of XXXX 's falsification, which is a very serious matter. My credit rating was previously Very Good-Excellent before XXXX 's false report. 

The service company name and address : XXXX , XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX tel : 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 2023-10-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
-XXXX, Equifax & XXXX is violating my federally protected consumer rights.-XXXX, Equifax & XXXX is furnishing a consumer report that claims I have 2 separate accounts from XXXX XXXX XXXX , opened XX/XX/XXXX and XX/XX/XXXX. Neither of these are reporting any sort of account number whatsoever, yet they are showing up as negative information on my consumer report and are severely harming my personal reputation. These reports are inaccurate and are not in accordance with 15 USC 1681e ( b ), which clarifies that maximum reporting accuracy is imperative. These accounts do not exist without valid account numbers. They need to be removed from my consumer report. 
-Also, XXXX , Equifax & XXXX never provided a clear and conspicuous opt out form in accordance with 12 C.F.R. 1016.7a.-If they continue to furnish this information after I am now clearly opting out and revoking my consent for this information to be furnished, this report will now also be a violation of 15 U.S.C 1681b ( a ) 2, since they are not acting In accordance with the written instructions of the consumer to whom it relates.

-Furthermore, the information being furnished directly relates to transactions and experiences made between the consumer and the person making the report. This is a direct violation of 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ) .-XXXX, Equifax & XXXX is posting adverse information on my consumer report that is harming my reputation. This adverse information is a direct violation of 15 U.S.C 1681c ( a ) - Particularly line 5 that directly states Any other adverse item of information. Clearly, according to 1681c ( a ) ( 5 ), they are not allowed to post this information.-It is clear that XXXX, Equifax & XXXX has violated many of my federally protected rights by furnishing this information on my consumer report. 
-According to 15 U.S.C 1681n ( a ) ( 1 ), XXXX , Equifax & XXXX is liable to compensate me {$1000.00} per violation, totaling several XXXX dollars for this breach of my rights. I am offering a simple resolution before pursuing remedy through the court system. 
XXXX, EQUIFAX & XXXX MUST IMMEDIATELY REMOVE THIS ACCOUNT FROM MY CONSUMER REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 2023-10-12
Company: EQUIFAX, INC.
State: IN
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit report contains multiple accounts that are both inaccurate and fraudulent, as per 15 U.S CODE 1681b. No valid reason existed for anyone to access my credit report, and I never authorized the sharing of my personal information or consumer report with any party. These items are undoubtedly fraudulent. My personal information and consumer report were acquired without my consent and have been utilized to harm my credit report by introducing inaccuracies. These inaccuracies have severely damaged my credit, making it impossible for me to obtain favorable credit terms. I kindly request the removal of incorrect addresses, accounts, and hard inquiries. Your assistance in this matter is greatly appreciated.

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 2023-04-11
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
When going to purchase a product on the XXXX XXXX XXXX ( both in the XXXX  web browser and their XXXX XXXX XXXX XXXX the option to checkout with monthly installments was unable to be found. This is a well advertised feature for the Apple Card, allowing you to do monthly installments for purchases of XXXX XXXX products, but when checking out with Apple Pay or by going through a regular checkout process in the XXXX  page and the XXXX XXXX XXXX, the only option available was to pay in full. Their own website states all you have to do is click the pay in monthly installments button and youre good to go, but that is not true as it was nowhere to be found.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ach payment went to wrong account and the bank is saying they have no records of Ach payment even though I submitted trace number stating bank accepted funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
PROBLEM WITH CHASE BANK, transaction with a 3rd party ( XXXX  = XXXX  ) I paid XXXX $ to XXXX  for a service. ( XXXX XXXX ). Then XXXX appeared to be an internet scam, disapearing, using multiple identities, names, false advertising, multiple names for the business. They advertised for a 100 % money back guaranty. Before sending a full manuscript ( i am a published writer ) i asked for a refund. they tried to intimidate me. As i had paid with a credit card, i appealed to CHASE who immediately refunded the {$1100.00}, without asking any questions. 
XXXX then contacted me, begging me to cancel the claim 'so that they would not have a red flag on their account. '' i called CHASE many times to ask for advice, received contradictory responses from the XXXX, XXXX and local branches ; low competence and knowledge. Yet, i was told that i could cancel and then re-file a claim if the issue was not solved. 
XXXX send me 2 emails saying that they would immediately refund, if i cancelled the claim with the credid card. 
Tried to be fair to both CHASE and XXXX. they NEVER REFUNDED, changed their website, etc. 
i immediately ( monday morning ) resent a claim in writings to CHASE. They have been since dragging me around. I called CHASE at least XXXX times. ( XXXX ). The last supervisor that i could finally speak ( XXXX ) with said that it was too late. i re-explained and she said that she would reconsider the case. In the Chase website, she put a note : " customer does not agree ''. This is absurd. i did not say that. I acted upon written promise of a REFUND to avoid dishonesty with my bank. 
how can i get my $ $ back?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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 am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX credit report. My latest credit report shows 6 credit inquiry/ inquiries that I did not authorize. 
XXXX XXXX XXXX reference number XXXX Date XXXX XXXX XXXX XXXX reference Number XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Number XXXX Date XX/XX/XXXX XXXX XXXX XXXX - reference Number XXXX Date XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX- reference Number Date XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am writing to dispute the following inquiries and asking for their removal from my credit report.Please have these/this unapproved inquiries/inquiry removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

Company response to consumer: Closed with explanation