BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute the accuracy of information on my credit report maintained by your bureau. After a thorough review of my credit history, I have identified an inaccurate late payment entry that I believe may be the result of a bank error or system glitch. 
Account Information : Creditor XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I pride myself on maintaining a strong record of timely payments, and this reported late payment is inconsistent with my financial behavior. I suspect that there may have been a bank error or a system glitch that led to this inaccurate reporting. 
I understand that accurate credit reporting is crucial, and I believe resolving this issue is essential to maintaining the integrity of my credit history. Please investigate the possibility of a bank error or system glitch that may have led to this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
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:
i started receive letters from companies i didn't recognize, so i requested credit report and i saw, that they reporting XXXX accounts which i never had, i believe, that someone using my personal information and applying for credit cards. i have never sign any agreement with these creditors. I don't understand why do i have to be responsible for these debts.

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 2020-07-21
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:
Theses company would not remove the following accounts from my credit profile. Theses accounts are not mines and need to be removed ASAP! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 

XX/XX/2020 " Verified '' ( NO PROOF ) XX/XX/2020 " Verified '' ( NO PROOF ) XX/XX/2020 " Verified '' ( NO PROOF ) XX/XX/2020 " Verified '' ( NO PROOF )

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 2023-04-14
Company: EQUIFAX, INC.
State: LA
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 the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: LA
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX 6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Bankruptcy Case Number : XXXX Delete this account XXXX 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX 13. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have 6 total accounts open with XXXX from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I got a derogatory remark on all of my credit reports I was 90 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX. At this point i contacted my creditors because i was going through extremely difficult financial hardship. We went over an Income Base Monthly payment system and based off my taxes and how much i made last year my payments were changed to none. However to the bureaus i still showed to be late on payments. I contacted the creditors and they said I was up to date. That's when i reached out to the bureaus and they updated the status from late to current.The reports still show negative remarks for the months of XX/XX/XXXX and XX/XX/XXXX.Considering it's 6 loans I have open, My reports show that all 6 were previously delinquent which is severely effecting my score. Since my monthly payments are {$0.00} and My taxes show that for last year I only made {$6700.00}, I would like to address this immediately to get this negative remark removed from my reports.

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 2023-11-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit ny 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 explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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, has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 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 explanation
Consumer complaint received 2022-03-11
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Someone accessed my personal records. In addition to this person held my mail, and on XXXX XXXX, she emailed me a picture of my mail asking me to pick it up, then refused to give it to me. I also think she accessed my webcam via that email. 

I believe this person has been signing into my bank account at least since XXXX XXXX but Truist Bank isn't doing anything about it. I have been emailing and calling their fraud dept. since XXXX XXXX, but no one will get back with me. They have accessed my bank account 24 times in the last 30 days from a XXXX computer using the XXXX browser, and I only use a XXXX computer using XXXX browser. 

On XXXX XXXX this person signed into my account and changed my password to a XXXX password containing scattered letters, numbers and symbols. I continue to be locked out of my own accounts because each time I try to change and re-enter my new password the XXXX fake password automatically repopulates in the password window and eventually locks me out. I also discovered that my SS # and the email that associated with my Truist account are now on the Dark Web! I never share my SS #, usernames, passwords or passcodes with anyone, and this started during the XXXX months I was her roommate in her home.

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 2023-08-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
International Wire transfer was not handled correctly. 
On the fourth of XXXX, 2023 at XXXX pm. traveled from XXXX XXXX to XXXX XXXX Texas. Was told I had to go into the bank personally to make a wire transfer for which I was told that if I personally it would take no longer than 24 hours. 
The wire transfer never made it to the bank indicated and I was not told or notified of wire transfer being returned to my bank until the XXXX of XXXX, for which I had to call to see where the funds had gone. 
This clerk error cost me XXXX dollars to travel to an from the bank an housing cost. An XXXX dollars for wire transfer plus XXXX dollars for transaction error and now XXXX dollars to place the complaint. It also caused me to lose the business transaction for what it was needed for. when at the bank I went to a desk employee an was told the window clerk would be able to handle transactions for me. I went in on the XXXX of XXXX and the receipt of the transaction was dated the XXXX of XXXX. 
It also caused me grave hardship for a clerk error and my time. 
Total of XXXX. 
We also called several times during the process to verify that transaction had been down properly. Gave bank account several times, entered bank routing several times and the bank employees stated that everything was in order an that it should be there again by next day, And next day never came. 
For this reason I feel that I should be refunded my fee of XXXX dollars for wire transfer, XXXX dollars for error transfer fee and for XXXX dollars for dispute of transaction error of XXXX. I know that the travel XXXX not be included of XXXX but if I knew that this transfer could of been done over the website because it took the same length of time in office or on the website, I would not have to have traveled all the way back to XXXX XXXX Texas as told to do so by a bank office member. 
For this again I am placing a complaint for bank error, bank mistrusted information and for hardship caused again for trusted bank information. 
I have attached paperwork used for wire transfer and receipt of confirmation for wire transfer that was done at the branch office in XXXX XXXX Texas.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-14
Company: Remitly, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Scammer used the pretext of being a member of XXXX fraud department tried to scam {$470.00} from my credit card after setting up a Remitly App account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2018, I noticed that my credit card company charged me a late fee and interest on my previous bill. I had paid it without realizing that I had been charged this fee and interest. The charges are illegitimate. I wrote the check for my payment on XX/XX/2018. At the latest it was in the mail early on XX/XX/2018. It was due XX/XX/XXXX. 
But the credit company did not deposit the check until XX/XX/XXXX. I have never in my life had a late credit card payment. 

I immediately called my credit card company. To the best of my knowledge, the company refunded me the late fee and part of the interest. But it refused to refund all of the interest to me. 

That day I wrote a letter to the company to complain more formally ( it was in the mail on XX/XX/XXXX ). In a letter dated XX/XX/XXXX, the company declined to refund me for the remainder of the illicit charges. 

I accuse the credit company of sitting on payments and failing to deposit them promptly so as to charge customers fees and interest. As further evidence of this : I sent my last check to the credit company on XX/XX/XXXX. Payment was due XX/XX/XXXX. The company did not deposit the check until XX/XX/XXXX! ( I should not receive a fee or interest charges this time because I paid on-line the day before, out of fear that the company would not deposit my payment on time. Thus, the company extorted a double-payment from me. ) Note also that my complaint letter, sent XX/XX/XXXX, received a response on XX/XX/XXXX. How could a bill payment take so much longer to receive?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-12
Company: OneMain Finance Corporation
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
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:
I sent certified mail, return receipt to EXPERIAN, XXXX and XXXX XXXX requesting investigation on several items and that they send me copies of all information related to each item to include documents with my signature on them.All I received was a notice on the website for each one saying they verified each one as accurate.I did not receive the requested documents as proof that I owed any item and therefore they failed to complete my request and send me they method of gathering information, the requested documents with my signature on them and any documents they had on file to include the name, address and phone number of each person they contacted to verify the information was correct as I requested.

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 2018-10-26
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
started disputing in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX they will remove it then place it back on the report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I visited the XXXX CT Bank of America branch to close a joint checking account with myself and my father XXXX XXXX XXXX, who passed away on XX/XX/XXXX on it. Estate Services of BOA has all the required paperwork to allow me to close this account as it was needed for me to access the safe deposit box ( i.e. the death certificate ). A note was on the XXXX door to visit the XXXX location which I did, to find XXXX closed as well and note stating to visit XXXX XXXX which was also physically closed as was the XXXX location. I then called Estate Services and they agreed to close the account but said a check would be cut on XX/XX/XXXX and be mailed on that date and to allow 7 days for it to arrive at my home in XXXX. I have not received the check as of today XX/XX/XXXX. 

I called today ( XX/XX/XXXX ) and waited XXXX minutes before speaking with XXXX in Estate Services who went to research what was happening on the account before we got disconnected. He never called me back as I learned that BOA does not have the ability to have their customer service representatives to call out. What type of customer service it that? They expect their customers to call them back hence the incredible long wait times! I called back to learn this and waited longer than XXXX minutes the 2nd time and also tried on-line chat! I can prove this to you if needed. There has not been one time when my wait time is less than XXXX minutes - not one! This time the representative, XXXX was rude and insensitive. She refused to look to see if the check was cut and told me I misunderstood what I was told, that it was a solo account and that Estate Services would not have handled it and that I needed Customer Services and she transferred me somewhere where I got stuck in a phone loop for mobile banking! I got out where I left my phone number for a return call and about an hour later I got a return call and believe it or not the representative that called told me to close the account I needed Estate Services!!!! I knew this as Estate Services on XX/XX/XXXX told me they were going to cut the check and would have it done on XXXX. Where is my check!!!!! I told this representative not to send me back to Estate Services based on the fact that XXXX was rude and had sent me to a phone loop and I had already tried twice today, wasted too much time and that they do not call someone back when they are disconnected. The representative agreed they do not have the ability to call a customer back, they only can receive calls and agreed this is not the best customer service they can provide and expressed sympathy for my loss. I give up with BOA, they have my money and don't seem to want to give it to me. I need your 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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief