BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: WI
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you regarding my credit report, which contains several negative items that I would like to dispute. Specifically, I have identified several pieces of personal information and credit accounts that are either incorrect, questionable, or fraudulent. 

Firstly, I would like to address an inquiry made by XXXX on XX/XX/XXXX. I have no recollection of authorizing this inquiry and suspect it may be fraudulent. Therefore, I request that this inquiry be removed from my credit report immediately. 

Secondly, I have identified an account under XXXXXXXX XXXX  with the account number XXXX. I find the name and number of this account to be questionable, and I request that you either clarify this information to me or delete this account immediately from my credit report. 

Thirdly, there are several pieces of personal information on my credit report that are incorrect. These include the account name XXXX, XXXX, the account name XXXX, XXXX, and the account name XXXX, XXXX, XXXX. None of these names belong to me, and I request that they be deleted immediately from my report. 

In addition, there are two addresses listed on my credit report that are not correct. The first is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX, and the second is XXXX XXXX XXXX XXXX XXXX, WI XXXX. Neither of these addresses belong to me, and I request that they be deleted immediately from my report. 

Furthermore, there are two accounts listed under the names XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, respectively. Neither of these accounts belong to me, and I request that they be deleted immediately from my report. 

Lastly, I would like to address two accounts under XXXX XXXXXXXX with account numbers XXXX and XXXX. For the account number XXXX, I request that you verify the payment status, balance, comments, payment history, and account number, as they may be incorrect. For the account number XXXX, I find the name and number of this account to be questionable, and I request that you either clarify this information to me or delete this account immediately from my credit report. 

I trust that you will investigate these matters thoroughly and take the necessary steps to remove any incorrect or fraudulent information from my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX  ] Account Number : [ XXXX ] Reason : [ not to my knowledge inquiry ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely,

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 2018-08-11
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:
This is a complaint regarding my Chase Freedom Unlimited Card in how a specific dispute was handled. A charge with the merchant " XXXX XXXX XXXX '' was disputed on my Chase Freedom Unlimited card on the basis of " Unsatisfactory Services Rendered ''. In Depth and comprehensive explanations with dates/times regarding this dispute can be found in the attached documentations submitted with this complaint. In summary, the merchant performed XXXX XXXX on my dog which XXXX XXXX   him. This is not only XXXX XXXX but also medical malpractice at its worst. My dog suffered a XXXX XXXX XXXX   due to this XXXX, which can be corroborated and factually verified through a statement provided by a fully licensed and practicing vet. I brought my dog to several different vets the following days after the XXXX XXXX occurred. 

XXXX XXXX XXXX XXXX, a Chase Executive employee handling this case stated to me that the vet " did not state that the XXXX XXXX was the cause of my dog 's XXXX. '' This statement by XXXX XXXX is 100 % false, a blatant lie, and a clear misrepresentation of the facts. In the SECOND letter written by the vet, XXXX XXXX, it clearly states that the vet, in his professional judgement, believes that the XXXX XXXX caused my dog 's XXXX XXXX XXXX XXXX. In MY SECOND letter, it clearly states that I brought my dog to XXXX XXXX 24 hours AFTER THE XXXX AT XXXX XXXX XXXX. 

As such, there is no ambiguity when it comes to exactly what happened. The second letter written by ME and XXXX XXXX, the licensed vet, is more than enough to establish guilt/wrongdoing on behalf of the merchant. I would like to state AGAIN OVER HERE, for the record, that I brought my DOG to XXXX XXXX APPROXIMATELY 24 HOURS AFTER THE XXXX XXXX TOOK PLACE AT XXXX XXXX XXXX. 

As all conversations are recorded, I have full verification of everything that was stated by XXXX XXXX and his attempts at defending the merchant when there is no evidence left to do so. Again, there is no ambiguity when it comes down to the facts and what took place. The vet clearly states, IN NO UNCERTAIN TERMS, that the XXXX XXXX was the cause of my dog 's horrendous XXXX. AGAIN, I BROUGHT MY DOG TO XXXX XXXX 24 HOURS AFTER THE XXXX XXXX  TOOK PLACE. This is also clearly stated within my second letter which will be submitted again, if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 recently received a copy of my credit reports, and I noticed a late payment posted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company reports a 30 day late without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your company is in clear violation of the law, Under 15 U.S. Code 1681b Permissible purpose of consumer reports.

THE LAW CLEARLY STATES!

( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I ever give you written instructions to furnish this account on my report?

Furthermore, the Fair Credit Reporting Act 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payment from my consumer report. This agency is in violation of 15 U.S. Code 1681.

Failure to respond satisfactorily with the deletion of the above referenced account, and a free copy of my updated credit report after changes have been made, will result in legal actions being taken against said company. For which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616. Civil Liability for willful noncompliance [ 15 U.S. Code 1681n ]

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 2022-10-31
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX MXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-07-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian and XXXX failed to verify the accuracy on XXXX XXXX XXXX, XXXX XXXX XXXX..The accounts are current, paid on time..Please remove the late status from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved

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 2022-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a text message on XX/XX/2022, that a credit card from Bank of America was approved and sent (??? ). I never applied and checked my lock and alert account with XXXX by logging in and calling. I was advised my credit report was never accessed within the past few months. Then on XX/XX/XXXX, I received an e-mail that the credit card was on the way, but I started my vacation in XXXX at my sister 's house. Also, XXXX ( XXXX to XXXX XXXX ) notified me about changes to my credit status the same day. On XX/XX/2022, I called the number in the e-mail provided by Bank of America. I validated my last 4, which confirmed an account was opened that I never made an application to. The person wanted to validate me by providing more PII information. I was not certain if they were scamming as well. I was then told to visit the nearest Bank of America Branch to validate myself there, and they would call the fraud department. I went to the nearest branch in XXXX, XXXX, and spoke with a customer service rep after waiting 45 minutes. It was confirmed that the card was opened in my name and being sent to an address in Florida, which is not in my previous history. The Representative implied my current physical address to the fraud agent, indicating the perpetrator was using a XXXX XXXX XXXX Nonetheless, Bank of America issued credit in my name without a credit report and sent a card to an address that is not in my history. This gives an indication of an insider threat, who may have received my PII from previous breaches ( XXXX & XXXX ). The concern is Bank of America provided credit in my name while my credit report remained locked and more concerned, and sent a credit card to an address that is not in my history. Indeed, my information is floating out there due to no fault on my behalf. However, having a frozen credit report serves as a layer of security to prevent future fraud, which Bank of America is either compromised by insiders or derelict in securing their information systems to allow credit cards to leave their organization without proper validation processes.

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 2022-10-31
Company: Experian Information Solutions Inc.
State: VA
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 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 2023-05-07
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My Insurance payed most of the loan off and gap insurance payed the remaining balance Ally Financial has been an unprofessional company and their customer service receptionist are very rude and unprofessional this claim has been prolong too long and they have received checks to pay off the vehicle its affecting my credit and me chances of getting approved for another vehicle i will like this problem to be resolved I recommend no one to deal with ally aleast you want deal with unprofessional company that dont tell information correctly and prolong situautions for a long time and dont care how it affects the customer

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 2021-11-22
Company: NAVY FEDERAL CREDIT UNION
State: MO
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 or around XX/XX/2021 I disputed a transaction with Navy Federal Credit Union regarding this alleged debt. Navy federal Credit Union has yet to handling my disputed accordingly to federal law. On XX/XX/2021 I received a bill statement by medium of mail requesting an minimum payment of {$20.00} with a balance of {$7200.00}. I deny this allegation. Pursuant to 15 USC 1692g I never received validation for this alleged debt, and pursuant to 15 USC 1692c. ( c ) I refuse to pay this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
After several attempts and sending information with required ID, Bill & SS card they are using generic auto tactics! They will not issue my credit report. They have fraud alert I never asked for at all. They are reporting debt that I dont not have being filed XXXX XXXX Bankruptcy- they have wrong addresses my only address is XXXX XXXX XXXX XXXX XXXX  MD XXXX, My jobs are XXXX XXXX XXXX  formerly XXXX XXXX  years & XXXX XXXX XXXX XXXX year only- They have inquires from 2022 never did and reached out to fraud department no help at all! They raised my score and dropped it for NO reason at all! My score should have raised without all the debt that has been discharged!!!!!! Its always generic responses no help st all or accurate information!

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 2023-10-27
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 explanation
Consumer complaint received 2020-02-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have had a checking and savings account with Citizens bank for several years. I have a Green checking account, and have always kept {$2000.00} in the account. Citizens bank changed the account sometime in XXXX, and never sent me any notification by mail, They just started charging me a fee of {$9.00} each month. I called customer service, and they said that they mailed me a notification in XXXX. I asked when in XXXX because I never received any disclosure or notification. The agent could not tell me the date. I work for a XXXX, so I know that this documentation is readily available. The agent, then said she could remove 2 of the service fees. I said that this was unacceptable, and requested to speak to a manager. I spoke to the manager, who then said that the notification was on my estatement on page 2. I explained that I've never seen this before. She tells me that there is nothing that she can do. I told her that changes to an account should be mailed even if a customer has estatements. I advised that I would be contacting the CFPB because this is an unfair practice. I am making deposits to the savings account every 2 weeks, and I could have easily deposited a portion of those funds to the checking account.week. I just want my funds returned to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: LA
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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-05-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card with USAA as a company that offers XXXX banking and credit services. At the time of application, I had and continue to have fraud alerts on all XXXX credit repositories, as opposed to USAA contacting me to verify it was me that submitted the application as XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX all did, USAA has me in their data base of having a credit risk problem with them before dispute never having and account or verifying that it was me that submitted the application for a visa credit card ( which I did ) per ECOA, FCRA. I currently have XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX active credit cards with fico scores over 700. USAA is preventing me, a veteran from accessing services they earmark specifically for Veterans by saying they've had a consumer problem with me before solely based on USAA not doing the phone verification on the submission I maid applying for a USAA visa credit card. Because USAA has my profile listed as such, they won't even give me commercial insurance quotes for my business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation