BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-21
Company: JPMORGAN CHASE & CO.
State: CA
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:
On XX/XX/2021, I entered into a contract with a company named XXXX XXXX for {$10000.00}. I cancelled the contract within the 3 business day requirements. Chase has not supported me and my dispute of that charge. I do not agree with Chase not honoring my cancellation. In a letter, dated XXXX XXXX, I also included the dispute about lack of services. It has now been 7 months with no services. Numerous letters, including extensive packets of documented evidence, were sent to Chase Executive Disputes, XXXX, FTC, Attorney General, and XXXX XXXX XXXX XXXX. This is clearly a case of fraud and Chase will not address the fact that I have paid {$10000.00} for nothing. Chase continues to refuse to properly investigate this scam. I have been bounced to FOUR different executives and they all gave the same " pat answers '' that included their reading of the verbiage of the cancellation policy ; NOT anything about the lack of services. A FIFTH executive did re-dispute my claim and actually, upon my STRONG request, read out loud the sections of my evidence which point to the lack of services. That re-dispute has been ended and the reason, once again was about the cancellation. It's obvious that my packet of evidence has not been researched. It appears that Chase is unable to recoup the funds and is going after me as an easy target.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: Experian Information Solutions Inc.
State: MO
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:
My car has never been late or in repossession status with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, sent me a letter after doing an investigation on my automobile account. I was told by Experian Credit Reporting Agency, to  send in the letter to have the account updated. So I overnighted the letter to Experian Credit Reporting Agency to have the information corrected. At that time Experian and I got on the phone with XXXXXXXX XXXX XXXX XXXX to verify the letter. XXXX XXXX XXXX XXXX verified the letter that it was valid. But, Experian to date has not removed the inaccurate information from my report. Please help me, I am trying to close on my home, but ca n't because Experian has not removed the inaccurate information from my 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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, XXXX XXXX XXXX, have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter 30 DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.

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 2023-12-04
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:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX - {$5300.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$6000.00}

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 2023-12-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start investigating these accounts that I am never late for but are reporting me as 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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've sent TransUnion, XXXX, and XXXX multiply letters ( XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 ) about removing accounts that are reporting inaccurate information on my reports. The Credit Bureaus stated my accounts were properly investigated and " Verified as Accurate '', but how is that possible if the Open Date, XXXX, Date Last Reported, etc. is still inaccurate. I showed them factual disputes on the credit reports of the inaccuracies and they still refuse to remove these accounts. THIS IS GROUND FOR REMOVAL, they also violated my rights under 15 USC 1681 Accounts are listed below : XXXX XXXX, XXXX, XXXX, XXXX, and XXXX 15 USC 1681 Sect 602 A,,, States I have the right to privacy 15 USC 1681 Sect 604 a ( 2 ),,, A consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1681n ( A ) ( I ),,, Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}

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 2021-09-05
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 requesting that Transunion immediately remove XXXX XXXX from my credit report. Please see the attached report from the Federal Trade Commission, and the letter I have sent to 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 2023-07-11
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XXXX, Experian XXXX XXXX is obligated by the FCRA to report accurate accounting, Consumer has advised that ALL BANKRUPTCY reported was fraud. 

Bankruptcy : XXXX XXXX Filed on XX/XX/2019 Reference XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX will be filing form 211 Treasury OMB firms to audit consumer account. XXXX us securitizing consumers data yet refuse to provide consumer with a copy of their CONSUMER file but instead provide a Consumer Report/ 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 2020-06-17
Company: AR Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
ARS Services has posted a wrongful collection account that does not belong to me. This has been reported to credit bureaus and I have attempted all mediums to explain that the account was for someone that I do not know. Finally, I spoke to someone in their company and she assured me that it would be deleted as it was obviously not mine and still showing on credit file. This is making it impossible to get the lending needed for my business and affecting my live in a negative manner. I ask that they please do the right thing and delete this false collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts in question : XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX I want to inform you that these accounts were already deleted from XXXX since XX/XX/2023. XXXX and Experian still contest that they were accurate and verified in their second investigation. I do not agree with their results. I know for sure that these accounts don't belong to me and I need them to remove these entries from my credit report right away.

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 2021-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit reporting is reporting the wrong address on my credit file. I have lived at XXXX XXXX XXXX XXXX, XXXX, GA XXXX for over 16 years and they recently updated my address to an address I have never lived at. I contacted them with copies of my driver 's license and utility bill and it is still reporting the wrong address. They are also reporting the wrong social security number even though I have sent them a copy of my correct social security number and driver 's license.

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 2023-07-11
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

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  XX/XX/2020 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. 
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. 
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 2020-02-06
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I processed a payment over the phone with a rep on XX/XX/1919, this was returned by my bank as account not found because the rep left a number out of the bank account number provided. when I called back on XX/XX/19 I called and spoke with a rep and processed the payment again, when i noticed i was charged i called and filed the dispute on XXXX to have the call pulled and review as i no i provided the correct banking info. When i spoke to a rep the first week of XXXX i was transferred to the advance rep who confirmed that call was reviewed and disputed was closed when I asked her to confirm the account information there was a number missing and i advised this was the issue. I asked her to confirm that the call made on XX/XX/19 was the call reviewed, she stated no the call review was from XX/XX/19 I advised this was the wrong call and the issue happened prior to me calling back on XX/XX/19. she stated she couldn't locate the call in her department and needed to reach out to another department, today XX/XX/XXXX this charge is still has not been credited to my account, I spoke with a supervisor and i advised her to close this card as I have spend hours with this company trying to get {$27.00} reversed that should not have been charged to this account as it was the initial rep who made the mistake not me not there is a balance of XXXX that I requested they credit and they refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have never been a customer of Capital One. On XX/XX/2023, a Capital One 360 Performance Savings Account was opened using my name, phone number, SSN, old address, and old email address. I received another email that day that my phone number had been updated. On XX/XX/2023, I received an email saying that I was approved for a Venture Rewards credit card and another email saying that I confirmed receiving paperless communication. I never opened up either of these accounts or made any of these updates. I called Capital One to inform them of the situation. They opened an investigation, told me my account was frozen, and told me to contact the credit bureaus. I froze my credit with all 3 major credit bureaus. Today ( XX/XX/2023 ), I received an email saying my credit card was shipped out and on its way to me. I called Capital One back to see why this was happening when I never applied for one, an investigation was going on, and the account should have been frozen. The representative closed the savings account and forwarded me to someone who could close the credit card account. That representative asked for my name, SSN, and date of birth to close the account and then said they were not able to close the credit card account due to " system issues '' and asked me to call back later. I tried calling back 5 minutes later, and a different representative said they need at least 30 minutes. I will call back in 30 minutes. I don't know why both accounts were not closed in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: NY
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 been banking with XXXX for the past 10 years. We have business accounts, 6 personal accounts and 4 credit cards. Not once have we been late in any of our payments as we have always had automatic payment set up in all of of our credit cards. I have no understanding as to why we have a late 30 days late payment in our account from 2017. Again, we have automatic payments on all of credit cards and are extremely careful to pay each bill on time. 

We need this to be fixed immediately as we are undergoing lending for our business and can't have an error on my credit file. 

Account Number- ... 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 2023-08-25
Company: EQUIFAX, INC.
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-22
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My bank XXXX XXXX XXXX XXXX merged and became the Pentagon Federal Credit Union, where account numbers, routing numbers and other information were changed from XXXX to the Pentagon system. There were problems and errors by these entities during this merge. 

Once Pentagon FCU allowed website online access, I had to call in at least 3 times to correct problems from checks and deposits. I have had direct deposits of my XXXX State pension and Social Security XXXX since XXXX into Pentagon FCU. 

I recently called this week XX/XX/XXXX into the Pentagon FCU and was told during a security check, that my SS # did not match the one on file at Pentagon FCU. The XXXX  did confirm my identity thru other methods. I was told to scan my documents and upload them to have the change made. I have done this more than once over the last two days with resulting incompetence at Pentagon FCU in resolving this matter. 

Secondly, my call was to receive a 'detailed report ' of the 'monthly withdrawal transactions ' from my XXXX XXXX checking account involving my XXXX, XXXX, and current XXXX external payments to my 'mortgage company at XXXX XXXX '. The limited and archaic website at Pentagon FCU does not allow a ''search '' of certain transactions for specified dates, and to print this out. 

These complaint are about Customer Service and Responsibility which is lacking here.

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 2018-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
A private audit of the Capital One transaction history and ledger reveals new discrepancies. 

To Capital One Ethics Committee and Review Board : On XX/XX/XXXX I received a disturbing response from Capital One regarding account # XXXX FACTS : - XX/XX/XXXX I contacted Capital One for an extension due to temporary financial hardship and new employment. 
-In XX/XX/XXXX I was only behind one payment of {$380.00} -I asked to extend one months payment of {$400.00} -Instead of an extension Capital One added the delinquent amount to the extension request amount and demanded I pay {$790.00} to get the extension granted. 
-The {$380.00} would have brought the account current nullifying the need for an extension. The extra {$400.00} would have paid the XX/XX/XXXX bill a month a head of time. 
-Capital One arbitrarily required me to pay 2 payments, when I was only behind one payment, in order to get an extension. 
-If my extension was granted in the month requested I would not have been 30 days late and my account would be current. 
-The accounting ledger of Capital One supports my dispute. 

Capital Ones failure to make the correction based on the accounting ledger and transaction history has caused years of undue damage to my credit report. 

I ask that Capital One explain why I was required to bring the account current and pay the XX/XX/XXXX bill in advance in order to get an extension on XX/XX/XXXX. 

I ask that the names and titles of all persons involved in the investigation of this matter be provided.

Company response to consumer: Closed with explanation