BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-12
Company: I.C. System, 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: Investigation took more than 30 days

Complaint:
Investigation is taking longer than 30 days. Sent letters to XXXX, XXXX  & XXXX  XX/XX/2020 about inaccurate information on my credit report.
The following account is inaccurateI C SYSTEM {$200.00} The following account is inaccurateXXXX {$1800.00}

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 2022-07-09
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I decided to open account with the same bank that my payroll check was written with after moving halfway across the state and needing a local bank. Instead of going into the bank and cashing the check from my employer I went online and saw that I could deposit it and it would be instantly available according to their website. So I did this. They then held the deposit and would not release the funds leaving me stranded 2 1/2 hours away from my new home. I called several times and the only resolution I was offered was to put overdraft protection on my new account and use the overdraft protection as a way to get gas to get home. So I deposited a check from their bank to my new account also at their bank and the funds were withheld from me not available due to processing. I couldve not open the account and walked into the bank which I was right by and cash the check and left and had no problems and now Im walking home. Ive spent all day its now XXXX XXXX  in the afternoon trying to resolve this issue so that I can get gas to go home and Im walking. Todays date is XXXX XXXX 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: NY
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:
Pursuant to 15 USC 1681g ( 'Fair Credit Reporting Act ' ), I've submitted a written & mailed request ( 'Request ' ) to investigate & remove some of the information on my credit report ( 'Report ' ) with Experian ( 'Company ' ) in case during the investigation Company wouldn't be able to verify this information and find it incorrect. This written mailed request was submitted ( copy of it is attached ) on XX/XX/2023. Pursuant to the rules of the procedure, this request was submitted with a copy of NY DL ( with the proof of address ) & a copy of SSN card for Company to verify the identity. On Mon, XX/XX/2023 I've received a response from Company wilfully refusing to comply with a written & mailed request to investigate incorrect information on my Report in direct violation of Fair Credit Reporting Act, since Company has been furnished with fully completed request pursuant to the rules of the procedure according to 15 USC 1681g. For your convenience, original copy of the Request and a cope of a response from the Company is attached. For security reasons, since Company is already in possesion of those copies, NY DL & SSN Card are not included in this CFPB complaint.

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 2023-05-18
Company: EQUIFAX, INC.
State: OK
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 List of accounts below has violated, my federally protected consumer rights to privacy and confidentiality under 15 US XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX 15 USC 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.

15.U.S.C. 1881-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX Account number XXXX The Credit Bureaus stated my account was properly investigated but how is that possible the last date reported is inaccurate. The last date active is inaccurate, and the payment status says collection/charge-off this is inaccurate information because their can be to different payment claims it has to be either a charge-off or collection it can not be both. The payment history is also inaccurate in shows no activity for the last 3 years with that being stated no actually debt is owed. This is ground for removal and this is a clear violation of 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. Also states a consumer reporting agency can not furnish without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I tried to have them remove false information. 
I would like to know their Rules and procedures for obtaining bankruptcy information. I have been in correspondence with XXXX XXXX XXXX, U.S. bankruptcy court And he stated the court does not communicate or verify information directly with the credit reporting agencys.

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 2022-12-19
Company: EQUIFAX, INC.
State: CO
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 XX/XX/1991 XXXX To whom it may concern XXXX XXXX is showing on my credit report this is not my account it was open fradulently and as the letter attached states it is supposed to be removed from my credit report. Please remove and send me a copy of my credit report after thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
A couple months back I deposited a check into my chase bank account. The check had came from someone online trying to buy a gaming account.They closed my account for a couple of hours after depositing the check, and when I called and asked why they said my account was flagged for trying to deposit a mobile check twice. If the pictures are still on record, you can see that I had deposited the check twice because the first time the check wasnt endorsed. This led me to going to their branch to talk and there they told me the check was fraud. I had no knowledge to this and I feel like they did nothing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
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: Account information incorrect

Complaint:
All Students loans were Paid-In-Full with XXXX back in XXXX XXXX Credit Bureau still shows a balance of $ XXXX. I demand to have to correct balance reflected as XXXX $ 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 2022-02-09
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX files a claim on my behalf to my credit card ( chase sapphire ) which has an insurance benefit. The windshield cracked on the car while it was parked overnight at a family members home in Tennessee. XXXX sent me a letter on XX/XX/XXXX stating they had submitted the information to the insurance company. A company titled XXXX has sent three emails requesting the same information sent to them by XXXX and is requesting my credit card bill. I forwarded the same documents as enterprise but continued to get a same response but this time requiring a billing statement with my credit card information. The email does not match the name of the company. XXXX. Additionally, the website referenced in the letter from this company does not work. I tried on several browsers and computers and on different wifi accounts in the city I live in. The website also does not match the companys name - XXXX. I feel this is a fraudulent company and if it is not a fraudulent company, I shouldnt have to submit documents more than once. If they are through my credit card-they should already have my billing statement. XXXX has also verified the credit card was used and so has Chase. I have not received any paper mail from this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX  XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$640.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$640.00}

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
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXXXXXX Balance : {$18000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-01-13
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing this complaint because midland funding has ignored my request to provide me with the documents that their company has on file that was used to verify the account that I disputed. I have requested for the original contract papers with my signature to prove this debt is valid. It has been well over two weeks and I have yet to get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 I received an email that stated my account was on hold by chime. When opening my account I was never asked for any identification documents so I called chime where they requested the front and back of my drivers license. I let chime know that on hand I had my Alabama dept of corrections government issued identity card and could send them a picture holding it. Which they requested from me, once I did that they stated they would not accept it so I told them I go home every Wednesday through Friday and would send the documents on Wednesday. 

On XX/XX/2023 I sent the requested documents multiple times while the representative kept saying the system wouldnt read them. I asked her what would need to be done and she ended the call on me. I sent my drivers license, social security card, and a copy of my water bill. As you can see this is very personal information so for her to end the call then I receive an email saying my chime account has been closed makes me very suspicious that someone in chime is stealing money. I have about XXXX XXXX dollars on this chime account and never had any suspicious activity on my account for chime to do this. I am requesting that chime send me a check with my money from the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights numerous of times.

I demand the inquires below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to process these inquiries : XXXX XXXX XXXX XXXX XXXX ) XXXX  XXXX ( XX/XX/2022 ) XXXX  XXXX ( XX/XX/2022 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My credit score dropped XXXX points ( XXXX down to XXXX XXXX ) due to my Amazon credit card. I purchased an {$800.00} air conditioner to be paid off over the course of 12 months interest free. The shipping company could not get me the AC in a timely manner, so I cancelled the order and was refunded the full amount back the credit card. XXXX XXXX says the score dropped because I spent too much money on the card. This does not take into account what the item was or even that the amount was refunded. This is outrageous. I didn't buy {$800.00} worth of candy bars and shoes. 

I purchased this item XX/XX/2022.

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 2021-06-04
Company: Capital Accounts, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt collector, Capital Accounts XXXX XXXX XXXX, TN is attempting to collect an alleged debt from me. The original creditor is referenced as : XXXX XXXX XXXX of  XXXX NC for {$930.00} Acct XXXX On XX/XX/XXXX, I received an email from XXXX XXXX that I have never been a patient at that facility, and they have no medical records for me. XXXX XXXX XXXX has only been in business since XX/XX/XXXX. The debt is being reported having a date of last activity of XX/XX/XXXX. 

The information reported across the three credit bureaus is fraudulent since I have never been a patient of XXXX XXXX  XXXX. I would like this record on all three credit reports deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: MD
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:
Ive been trying to dispute these accounts several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. The accounts are listed below : XXXX XXXX XXXX Balance Owed : {$350000.00}, XXXX XXXX XXXX Balance Owed : {$9800.00}, XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1300.00}, XXXX XXXXXXXX XXXX Balance Owed : {$1300.00}, XXXX XXXX XXXX Balance Owed : {$120000.00}, XXXX XXXXXXXX Balance Owed : {$11000.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX  XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX XXXX Balance Owed : {$2700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2019-07-31
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX & XXXX XXXX which whom has my mortgage isn't reporting payment history nor current payments that is applied to the account isn't inquiring to the 3 major credit bureau XXXX, .XXXX, Experian. Need your help please to resolve this issues.

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 2022-02-08
Company: EQUIFAX, 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: NJ
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 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 any 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 Balance : {$13000.00}, XXXX XXXXXXXX XXXX Balance : {$400.00}

Company response to consumer: Closed with non-monetary relief