BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: JPMORGAN CHASE & CO.
State: FL
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:
REQUEST FOR REMOVAL AS AUTHORIZED USER OF CREDIT CARD A/C TITLE JPMCB, ACCOUNT NO. XXXX I hope this letter finds you well. I am writing to formally request the removal of my status as an authorized user of the Credit Card of Account No. XXXX titled as JPMCB CARD. 

After careful consideration and review of my financial circumstances, I have decided that it is in my best interest to discontinue my status as an authorized user on the aforementioned Credit Card. I greatly appreciate the opportunity that JPMCB CARD has provided me, and I am grateful for the positive experiences I have had as an authorized user. 

I understand that there may be necessary administrative processes to complete to remove me as an authorized user. I kindly request your assistance in initiating these procedures to ensure a smooth transition. 

I am committed to ensuring that this transition is carried out in a seamless manner and would be more than willing to cooperate with any requirements from your end. I recognize that there may be a timeframe required for this request to be processed and implemented, and I appreciate your understanding in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX. I never lived at this address XXXX XXXX XXXX XXXX XXXX Texas XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX XXXX. I never lived at this address XXXX XXXX XXXX XXXX XXXX Texas XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act the following listed accounts has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: AL
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:
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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. The following inquiries were also opened under my social security number fraudulently as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-11
Company: EQUIFAX, INC.
State: OH
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:
Hello - I have been requesting MEHTOD OF VERIFICATION AND VALIDATION for account : XXXX XXXX XXXX from the credit agencies and they only continue to provide information stating the account was VERIFIED. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provide to the customer by the agency, including the business name and telephone number of the furnisher. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy of the completeness of the information. 

Name, address, and telephone numbers of each person contacted regarding this alleged account is validated. 

Any automated response or XXXX verification is unacceptable. 


Please provide all names that provide this in, which entitled to me by LAW, so I have the correct information to place in this law suit. 

I have attached the responses from the credit agencies and the certified letters that were sent. Why do they do not have to comply with the LAW. It clearly stated what I'm requesting, they are only going by what the credit is stating and not proving. 

PLEASE INVESTIGATE THIS CREDIT AGENCIES ANDS SUE THEM AGAIN!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Experian Information Solutions Inc.
State: IL
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:
I have tried relentlessly to get in touch with this creditor. They are reporting that the car is repossessed when in fact it was traded in for another car. THey are also still showing a balance owed of XXXX and it should be at a balance of. The incorrect reporting is affecting my ability to obtain a mortgage

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 2023-10-18
Company: Chime Financial Inc
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed chime XXXX dollars! I will pay the XXXX dollars but they dont answer when I contact them.. I dont believe I owe the XXXX dollars but Ill pay it so they can take it off my stuff

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
I'm trying to get my payments reported I checked all credit reports it's been 90 days since I made my first payment I contacted express credit auto lender to see how to report it they directed me to credit bureau and said to summit a dispute the only issue is you can't dispute something that is not on your credit report I want this issue resolved immediately I was lied too and the only reason I bought a vehicle is to help build credit can't do that with no reporting

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 2023-02-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was recently scammed on XXXX, for a false job opportunity that was given to me. The " company '' sent out a check for me to deposit to go towards getting supplies for remote work. The funds were deposited through my mobile banking app through 5/3 bank on XX/XX/2023. I received a message on XX/XX/2023, stating that the funds were available. I was told by the " employer '' that the funds should be available and asked for me to confirm. I did confirm they were deposited into my account, and from there he offered for the " company '' to overnight a laptop instead, which required me to send the funds back. I did this through XXXX on my mobile banking app and XXXX XXXX, between the dates of XX/XX/XXXX and XXXX. On the morning of XX/XX/XXXX at XXXX XXXX, I did check my mobile banking app and noticed the negative balance, which let me know I have been scammed. At XXXX XXXX  central time, I called 5/3 bank to let them know about the scam and to inform them I had filed a police report, a report with the XXXX XXXX XXXX and I spoke with the hiring leader of the actual company, whom the scammers posed as. He also described my situation and said that this is a going thing and they are working with XXXX to resolve the issue. Fifth Third still chose to close out my bank account and required me to pay XXXX dollars within thirty days or set up a payment plan, after I was scammed and reported the scam.

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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I contacted Transunion on XX/XX/2021 in regards to an account that is appearing on my report by XXXX XXXX XXXX for {$680.00}. 

I sent USPS registered letter # XXXX on XX/XX/2021 to Transunion requesting physical verification of the alleged debt in accordance with Section 609 of the FCRA. This section of the FCRA, Section 609 ( a ) ( 1 ) ( A ) states that credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts posted on a credit report. 

Transunion has refused to remove the alleged and fraudulent debt from my file and has further refused to provide me with the requested physical documentation from the original creditor. 

This is in non-compliance with the provisions of the FCRA that were designed to protect consumers like me. Transunion is violating my rights as a consumer. Their refusal to comply with federal law has maligned my credit report. 

Today ( XX/XX/XXXX ) I contacted XXXX XXXX XXXX via telephone ( the company that is erroneously reporting this debt to XXXX  XXXX and the representative did not provide any signed documentation to evidence a contract between myself and this alleged debt to Transunion after my written dispute was submitted to them. 

Today ( XX/XX/XXXX ) I also contacted the creditor that sold this debt to XXXX XXXX XXXX, which was allegedly XXXX XXXX XXXX  They too have no physical documentation or signed contract to evidence any debt with me. 

I am seeking your help to hold Transunion accountable for their non-compliance with the FCRA in regards to this matter. I need this erroneous and undocumented account removed from my credit history to enable me to get mortgage financing. 

I appreciate any consumer guidance you can provide.

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 2019-01-19
Company: Seterus, Inc.
State: TX
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:
Seterus, was sold it was not in foreclosure it was sold on a short sale this needs to be corrected.

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 2023-10-27
Company: Experian Information Solutions Inc.
State: CA
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 am submitting this complaint to you regarding account numbers XXXX and XXXX from XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. I am the person making this complaint & I give CFPB authority to investigate this claim. I do not have any such account with that company and I have tried to dispute it directly with the company, to no avail.

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: Convergent Resources, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A while back in XX/XX/XXXX i did a dispute with convergent outsourcing about someone using my identity to get a cell phone. There was a remaining balance of {$620.00} dollars which i disputed ad fraud. XXXX asked me to come back and re investigate when I got a police report. I did that. I wrote a new dispute three months ago in XXXX. sent a police report in XXXX as well as another dispute letter. And in XXXX i sent a demand to comply letter. They have still yet to provide me any written or verbal proof of how they validated the debt. they have sent in my credit report with the same fraudulent inaccurate debt still reporting. XXXX have not given me proof of a wet signature signed by me from sprint or convergent of the person who committed fraud. I told them to stop and take it off or I would seek legal action.

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 2018-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
A penalty fee of $ XXXX/mo continues to be assessed for excessive time by Bank of America despite {$50.00} minimum balance kept in my BA checking account ever since I inadvertently let the checking account balance go below BA 's arbitrary minimum balance ( account was NOT overdrawn ). I have been waiting an excessive time for cessation of this " penalty ''. 

No doubt I am not the only customer being " penalized '' unjustly. Please confirm, investigate, and enforce refund of this $ XXXXmo " penallty ''.

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 monetary relief
Consumer complaint received 2018-10-31
Company: Scott Kroner PLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On the evening of Tuesday XX/XX/2018 I received a warrant-in debt notice to appear in XXXX District Court one ( 1 ) business day later. The warrant-in-debt concerned a long resolved 6-year old XXXX  bill. XXXX XXXX represented the XXXX  as a bill collector. I called the clerk of court and explained I was not served within the time set forth, the debt was not owed and I wished to contest the matter. Additionally, I explained it was not physically possible to travel to XXXX, VA given one days notice. The clerk of court explained that I would need to arrange an equitable date between XXXX XXXX and myself. I called XXXX XXXX on that day and explained the debt was contested and that I intended to appear in court, given a proper notice. Mr . XXXX offered the date of XX/XX/XXXX, and I accepted. He informed me I would receive a notice confirming the date with a certain time to appear. The call was recorded by me after accepting Mr . XXXX consent. Today I received the attached letter informing me that a default judgement was entered against me and my son. The clerk of court stated to me today that there was no record of XXXX XXXX requesting the court continue the matter for any reason. He also did not inform the court service was not effected, or that XXXX XXXX and I had agreed on a future date. Further, XXXX XXXX obtained a default judgement against a XXXX year old child, after having been informed by me, and evidenced by payment from XXXX XXXX and XXXX XXXX that the payment had been received for all services received. Mr . XXXX client, XXXX XXXX, currently is being investigated for insurance fraud. Because Mr . XXXX client attempted to perform advanced dental services that he was not capable of performing, my son required extensive XXXX  XXXX to recover from the attempt. This is a well-documented event by all, and XXXX XXXX and I settled this issued over six ( 6 ) years ago, thus making this sneaky action by Mr . XXXX more egregious. Our family finds his behavior highly unethical.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I noticed I had a charge on my card to a company called XXXX. I have never heard of this company and I was charged {$29.00} once in XXXX and again XX/XX/15 at XXXX am. I also have another unauthorized charge for {$26.00} at " XXXX XXXX XXXX XXXX XXXX XXXX ''. When I typed in this address it was for a XXXX pharmacy in XXXX, I live in XXXX  and I have never even been to XXXX. I am unsure if both of these charges are the same person, but I think it may be safe to assume that it is. When I went to call this location, the call went straight to voicemail. 

When I called the XXXX company I was able to connect with someone who helped me tremendously. He found my card that was charged and provided me the email that was used along with my card information to make the account. The email is not one that I recognize and neither was the name that was provided on the account. He refunded the {$29.00} charge for XX/XX/15 as this was the only one he could refund which I appreciate tremendously. He also canceled the account that was made with my card information and took my email so that he could forward me the cancellation which had the information used to make this account. 

The information is below ; Name : XXXX XXXX Email : XXXX Phone : XXXX I know these things are usually hard to track down but I want to report it because this could have been horrible for me. I make a little over XXXX a year so I do not have the funds to fund a scammer. I woke up with {$1.00} in my account and I am lucky that I was able to get something back. 

I also took a look at the reviews for the XXXX pharmacy and everyone is commenting about money being stolen from them. This would be a good place to check and see what is going on. 

I appreciate all of your time and help and I hope whoever is reading this has a wonderful day today, thank you for all that you do! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone else impersonated my identity and tried to open a checking account with Bank Of America. The account is not opened successfully. I want to report that my SSN and personal information have been compromised.

Company response to consumer: Closed with explanation