BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: JPMORGAN CHASE & CO.
State: NC
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:
I have travel protection insurance for damaged luggage through my Chase Sapphire XXXX credit card. My claim that I submitted on XX/XX/XXXX for my damaged luggage is still pending over a month later, and I was supposed to be contacted by a customer service person via phone but never was. The XXXX XXXX XXXX that they use is still requesting documents that I've submitted multiple times ( their website is broken about won't even let you upload documents, so they had to be emailed ), not calling me back at the promised time after they agreed to on multiple occasions, keeping me on hold over XXXX hour each time I call ( over XXXX hours on the phone ), and refusing to address the claim that I was supposed to be contacted about within 5 days. They appear to be trying their best to avoid addressing the claim and increasing the pending time to the point that the claim is invalid. Please see this website for similar reviews on this company which is undoubtedly a scam : https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX- {$11000.00} this company is reporting an account that was opened in XXXX XX/XX/XXXX and was opened fraudulently. This account has finally come off my report and this debt collection company is reporting inaccurate date of being opened XX/XX/XXXX which is incorrect! 

XXXX XXXX XXXX XXXX {$2300.00} This company is reporting a debt from XXXX for cellular phones that weee fraudulently attained in my name. This is complete fraud. 

XXXX XXXX XXXX XXXX Amount Amount {$4900.00} this company is reporting a debt but would not allow me to continue to pay on my debt and they are reporting inaccurate amounts. I made several payment til they all of sudden closed my account and Ive paid down to about {$1900.00} on that account. 

I also have inquiries that I have never authorized nor applied for these things. Here are the inaccurate inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau XXXX XXXX I have never applied for any of these things and they are NOT my inquiries 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 non-monetary relief
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello, Youre currently reporting XXXX XXXX XXXX XXXX as Open on my report but this account has already been closed for more than XXXX days. This is an improper use of my credit. Please fixed this.

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 2021-05-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent several letters to Experian about two bankruptcies that they are reporting on my credit profile in error. The last letter that I sent was on XX/XX/2021 about the errors that they are reporting on my credit profile. The errors still remain on my credit profile as of today. I will attach supporting documentation for this complaint. I have reached out to all sources about these errors. The XXXX  XXXX XXXX and XXXX. XXXX had also did an investigation and had corrected the information within the files with the two errors and they removed them after also contacting XXXX and other appropriate parties during their investigation. Experian can not say they this matter has been investigated because if they have investigated it appropriately then my credit file would reflect the updated information with the Bankruptcies removed. This inaccurate information on my credit file has caused me to miss out on major decisions in life. This is very damaging and devastating error that has caused me severe XXXX XXXX and XXXX. Can you please investigate this situation and have it taken care of as soon as possible. Thank you for your understanding and prompt attention to this matter.

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello, Youre currently reporting XXXX XXXX XXXX XXXX as Open on my report but this account has already been closed for more than XXXX  days. This is an improper use of my credit. Please fixed this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it may concern, I wrote you requesting validation of this alleged debt you have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the al- leged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for you collection of this alleged debt?

4. Please send evidence your authorization to do business or operate in the state of ( Your state ) 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: EQUIFAX, 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:
ALL CRA CONTINUE TO REPORT ACCOUNT NOT MINE AND NEVER DONE BUSINESS WITH " THE XXXX XXXX XXXX '' ACC # XXXX AND ACCOUNT OUTDATED REPORTING VIOLATED " FCRA '' SECTION 607,609 AND 611

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX I returned some tools to XXXX and they was paid for with my Bluebird card so XXXX put the money back on my card so next morning XX/XX/XXXX when I seen money wasn't on my card I called the and here what Bluebird is telling us is that XXXX made a mistake or a error when they tried to put money back on my card they didn't and only to take out the same amount again and Bluebird even told me that might not get money at all and there isn '' t nothing they can do but when I called XXXX and ask them they called Bluebird on the phone with me and Blue bird tried to lie again but the lady from XXXX let them know she been listening to mine and their call and thats when they bluebird finally told me for first time was that the whole mistake was there mistake and said it could take 8 days for the money to return to my account ... .. But wait this isn '' t the first time they have done this to me last month the same thing happen the whole thing until XXXX call Bluebird on phone with m e on line with them I believe that this company is just holding up our money just to draw interest on it and another is try and call bluebird 1 number don '' t work and the other hangs up ( by itself on their cardholder ) and last times it took 3 days for me to get my money and thats what I been told this times until today now they said didnt know when

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2022-11-11
Company: JPMORGAN CHASE & CO.
State: UT
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:
I paid ( deposit + final ) a Food Truck for catering an event using XXXX ( attached to a Chase Visa Credit Card ). Visa/Chase recently changed these payments to be classified as " Cash Advances '', which accrue a hefty fees/interest. 

There was no communication from the bank before this change was made, and I'm sure Visa & Chase are profiting heavily from it. 

XX/XX/2022 XXXX Miscellaneous Cash Advance {$140.00} XX/XX/2022 TRANSACTION FEE Fee {$15.00} XX/XX/2022 CASH ADVANCE INTEREST CHA Fee {$1.00} XX/XX/202XXXX XXXX* Miscellaneous Cash Advance {$510.00} XX/XX/2022 TRANSACTION FEE Fee {$25.00} XX/XX/2022 CASH ADVANCE INTEREST CHA Fee {$11.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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: Information belongs to someone else

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 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

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 2021-05-11
Company: EQUIFAX, INC.
State: MA
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 XXXX XXXX and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Multiple times I have tried disputing incorrect accounts with these credit bureaus but they always fail to make corrections. I have contacted them around 5 times in the past 3 months trying to get this info off my report along with sending them proof that the accounts are not mine and invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: TX
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 have tried and tried to get a response from Experian to remove these inquiries. I haven`t done business with niether of these companies and nothing is working as a consumer I have the right to have my credit report accurately reporting information that is 100 % correct. the following inquiries is what I have a problem with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
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:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX Balance Owed : {$28000.00}.

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 explanation
Consumer complaint received 2021-07-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
on XX/XX/XXXX i traded in a dodge nitro to hyundia of XXXX XXXX XXXX XXXX XXXX ohio XXXX. Two months later XXXX XXXX reported to the credit agencies. that XXXX XXXX was a repo. did not find this out until XXXX which then i contacted XXXX XXXX by phone. talked to XXXX different people which i got no help and there were very rude. so i didnt like my results i contacted gm online. after about 10 messages XXXX apologized found the error and stated that XXXX the virtual assisant would fix it. sent my documents to cxo resolution document XXXX XXXX XXXX also sent an email to XXXX. i have saved the XXXX XXXX conversation. since then i have contacted experian every month. doing a dispute. Experian gives me every excuess why i cant upload my proof. first i used my iphone used screen shots website wouldnt support it. so tried pdf which website states that the preferred method. tried pdf website still kept saying would not except. meanwhile every time i did a dispute it would come back worse then it did before ....

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX, XXXX, XXXX, XXXX XXXX XXXX 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 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 THIS IS DIRECTED TO XXXX XXXX TRANSUNION

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 2023-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been selling online my dresses for over 2 years, within different websites such as XXXX, XXXX, XXXX. I have been using only Bank of America for my business for 2 years and was their gold preferred reward client. I have XXXX accounts with Bank Of America. In XX/XX/XXXX I have been sell bulk order of wedding and couture dresses I had in stock. Customer contacted me through email, and made direct payment to my business account with Bank of America for the amount of XXXX $ and XXXX XXXX, after that my all accounts was locked and put on hold for investigation. I believe it was scam as client assured me that he contacted his bank ( XXXX XXXX  ) and make sure to authorized this transaction. Anyway as all my accounts was locked including my personal bank account with funds on it or XXXX and XXXX XXXX. I find out that customer who paid to my business account XXXX $ and XXXX XXXX opened a claim and said that he had never made this purchase. On my end I have all proves including payment receipt, his confirmation in email that he had paid and waiting for gowns being shipped. Bank of America holding all my accounts within over 60 days since this situation happened, even I have provided all proves to their claim department that purchase was made officially and it is not my fault that client made a claim. I have been calling to Bank of America over XXXX times, to resolve this situation and I was told several times that they see that it is not my fault, and this is mistake and I should get my accounts back and this claim should be closed soon. But it has been frustrating time of waiting without any real actions on Bank of America end. They keep locking all my bank accounts until now and I cant use even my personal bank account which has nothing to do with that transaction. Every time I call to customer service of Bank of America they give me different information and different reasons why my accounts still locked. I really dont know what to do. Because definitely this is illegal to hold my personal funds for that long even when all proves are in my side. All I want is this claim to be closed ( because obviously I was scammed ) and instead of protecting my interest they violating my rights and holding my personal bank accounts funds for over 60 days.

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