BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/ 2019, I received a tax document mailed to my home, addressed to my mothers name at my home address. My mother and I have a joint checking account together, but she has never lived at my address and she always gets statements mailed to her own address. I logged into my Chase.com account to see if Chase had somehow mixed up our addresses. I went to the joint account that she and I share, and I clicked Statements. When the PDF statement opened, it contained my mothers name, her home address, and full details on ALL SIX of her Chase accounts NOT just the one that she and I share. 
I called Chase and reported both of these problems : ( 1 ) the mail sent to the wrong address ; and ( 2 ) the privacy violation on the website. The customer service agents did not seem to think either of these issues was concerning. They told us we could fix the data disclosure issue ourselves by having my mom de-link her accounts so that they did not all appear on the combined statement. So essentially Chase is telling us that they will disclose financial data ( via a combined PDF statement ) to someone who is NOT an account holder ( me ), unless we specifically take steps to opt out. They told me there is a disclosure given to someone who chooses a combined statement. The wording of the disclosure does not make it clear that data for ALL accounts will be shared with an individual who is a joint account holder on only ONE account. I filed a complaint, and called back several times to check the status, for a total of 3 hours and 19 minutes of my time, with no resolution from Chase, so I am now turning to the CFPB.

This is careless disregard for personal financial data. I am extremely disappointed in Chase for failing to protect my mother 's private financial information and for failing to treat this matter with any urgency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accord with the Fair Credit Reporting ACT. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C.1681. XXXX XXXX ( original Creditor : XXXX XXXX XXXX XXXX ) acct : # XXXX, XXXX XXXXXXXX acct : # XXXX, XXXX XXXX acct : # XXXX, XXXX XXXX acct : # XXXX, XXXX XXXXXXXX acct : # XXXX, XXXX acct : # XX/XX/XXXX, XXXX XXXXXXXX acct : # XXXX XXXX XXXX acct : # XX/XX/XXXX, XXXX acct : # XXXX XXXX acct : # XX/XX/XXXX, XXXX XXXX XXXX XXXX acct : # XX/XX/XXXX, XXXX XXXX acct : # XX/XX/XXXX, XXXX XXXX XXXX  acct : # XXXX XXXX, XXXX acct : # XX/XX/XXXX, XXXX XXXX XXXX acct : # XX/XX/XXXX, XXXXXXXX XXXX acct : XXXX, XXXX XXXXXXXXXXXX acct : # XXXX XXXX XXXX XXXX XXXX acct : # XXXX. 15 U.S.C. 1681 section 602A States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 States a consumer reporting agency can not furnish a account without my written instructions.

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 2023-05-06
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
This is XXXX XXXX and I am submititng another CFPB complaint regarding fraudulent items I found reporting on my credit report. I have discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I need the Credit Bureaus to investigate and remove the following items off of my Credit File as soon as possible : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score.

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 2022-11-16
Company: Experian Information Solutions Inc.
State: MI
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:
Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-02
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Due to being ignored on multiple occasions, another package was sent Certified Mail # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- and Delivered XX/XX/2023 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - A Notice of Interest under trust package was sent to the fiduciary trustee, XXXX XXXX XXXX XXXX but not limited to and including any board members. In this packet, it included a Certificate of Appointment of Trustee, Rescission of Signatures of XXXX, Notice of Subrogation, Certificate of Title Special deposit, and a money order for Issue of Special Deposit for full credit and satisfaction on account # XXXX -- -- -- -- -- -- -- Again my request was ignored. I never received my promissory note back, so GM Financial is a holder, so they are liable. Which means GM Financial is the TRUSTEE. I never received a cash receipt for the promissory note or mandatory disclosure forms under the privacy act in any transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Have made multiple calls to Nelnet to try and get a refund for payments. First call in mid XXXX. Second call on XX/XX/ with no update. Total amount still has not updated on the website as of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: GA
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 have reviewed my consumer reports and noticed that I have a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account XXXX XXXX. I would greatly appreciate it if you could investigate this and provide proof with statements showing that these payments were late. If proof can not be provided I demand these payments be updated too on time as they should be as I was NEVER late.

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 2021-06-17
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:
Refined our home in XXXX Our Mortgage complay ( XXXX XXXX ) incorrectly reported our last payment as late. After contacting XXXX  regarding their error, they submitted a reversal to Equifax. Equifax not only refused to assist us, they turned around and dropped our credit scores by XXXX points each. I sent all the documentation needed to support that this was an error. XXXX XXXX  also sent a letter re-tracking there inaccurate reporting and request our credit report be adjusted back to the original scores prior to the inaccurate info being submitted. This has caused a financial nightmare for both of us, ( downgrade in credit, insurance rate skyrocketed ).

The other 2 reporting agencies corrected our credit reports but equifax refuses to help us. 
My credit score prior to the error was XXXX my wifes was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 USC 1681. 


Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-03-02
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:
I am interested in disputing all incorrect information on my credit report with Equifax. this is my 2nd attempt, please review and remove the items asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: CA
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 items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

You Violated The United States Code Law 15 U.S. Code 1681b. I never gave you any written consent to report anything on my consumer report. 15 U.S. Code 1692g - Validation of debts ( You were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I DO NOT validate this debt ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.

I have not supplied proof under the doctrine by silence Engelhart v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist.

It has been well over 30 days and i have not recieved a response. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be REMOVED and if you are unable to provide me a copy of verifiable proof, you must remove this account. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any documents/evidence I demand this following accounts be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
I recently viewed my credit report and noticed that accounts are missing off of my Equifax report. I notice its inaccurate and missing accounts. Please verify all account information and add necessary accounts to my Equifax.. Im in the process of buying a house and this is costing me thousands of dollars. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
About my card ending in XXXX I reached out to citi dispute team several times, regarding a XXXX charge ( case ID XXXX ) posted on XX/XX/23 which was not found in my favor from the merchant XXXX filed by citi as Canceled service. I filed two other dispute with the same merchant filed as services never received which was found in my favor for dollar amount XXXX ( Case ID XXXX ) and XXXX ( Case ID XXXX ). The dispute team sended me a letter saying they closed the XXXX dispute saying " we no longer have any recourse to obtain credit for you since the timeframe, in which to resolve a dispute has passed. We apologize for inconvenience this may have caused. '' I reached out to citi several time prior requesting the filing reason they put to be changed but they did refuse to take appropriate action. Citi had 2 times prior found this XXXX dispute not in my favor but I had responded to citi and had the case reopened. I spoke with citi today inquiring about their logic which lead them to close a dispute as it took there team to long. In intrest that citi take action in resloving this dispute in my favor I would appreciate it that citi be reached out to and resolve this case in my favor.

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 2022-10-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the XXXXir Credit Act XXXX the information provided below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my request. All the data is still the same and not even the same per bureau. My aXXXX suggested I file this complaint. 

Account items in question. XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2022 I called Bank of America ( BoA ) to close my online checking account ending in XXXX. I was told that I could not close the account unless it had a {$0.00} balance. I was further told that to bring my balance ( {$2000.00} ) to zero I needed to transfer the balance to another account. When I inquired about charges for doing so I was told that I was allowed 3 free transfers per month. When I tried to transfer the balance out of the Bank of America account I was presented with several options none of which being free! I then used the free transfer tool of the to bank ( XXXX ) to request the transfer. 
On XX/XX/2022 having checked that the balance had transferred, I called again BoA to close the account. I was told that I could not close the account as it now had a negative balance of - {$12.00} resulting from a low balance fee of {$12.00}! I said that I did not feel I should pay this fee as I had followed the instructions given to me on XX/XX/2022. I was told that the employee to whom I spoke would file a claim to have the {$12.00} fee waived and that I should hear about the claim within 3-4 business days. 
Having not had any communication from BoA I called again today XX/XX/2022. I was told that the claim had been denied. I asked for some proof that such a claim had been made and denied, I was told it was not possible and was given the option to talk to a manager which I chose. After hearing my explanations he told me that there was no claim process to waive a fee only a request could be made! When I asked him how I could have brought my balance to {$0.00} on XX/XX/XXXX he could not give me an answer. 
I feel this is a typical " catch 22 '' situation and that it would more honest if BoA called the fee an account closing fee. 
I do not intend to pay the fraudulent fee but would like to have the account closed.

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