BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up for the Chase Sapphire Reserve card which holds a fee of {$590.00} per year and {$75.00} for additional card holders. The card advertised a feature called Priority Pass. With this benefit I was promised {$28.00} discount for myself and up to two guests at many airport restaurants around the world. 
I received not only my Chase card, but the Priority Pass card in the Mail. When I went to use the Physical PP Card it was not activated. In fact after many phone calls etc it took around one month to get the service working. Many employees told me I would re reimbursed for my $ XXXX in personally paid expenses. Although Chase/PP was at fault I was denied any reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XXXXXXXX XXXX XXXX unemployment has released funds of {$7200.00} into my fathers account with Bank of America which i wasnt a secondary holder of, After the funds were deposited the bank supposed it was fraud actions being done only because i wasnt under the account i was only a beneficiary so they then closed the account and told me the XXXX XXXX XXXXXXXX XXXX department has to come forth for the funds. So i took action by providing documents to the bank and reaching out to XXXX XXXX department for a letter from unemployment stating that the funds were intended to be there. Ive reached out to both companies many times looking for a resolution over the years and calling lawyers to help solve the problem. Unemployment has continuously stated that they can not go forth for the funds if already deposited and the bank stands on only releasing the funds if XXXX XXXX Department comes forth

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: 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:
When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$730.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is unacceptable and Transunion needs to be shut down!! 

I am a victim of Identity Theft as my Social Security number was found linked to another name and address and my info has been found in numerous data breaches that began in XX/XX/2022 and is still ongoing. 

I have REPEATEDLY sent in all documents requested, with official FTC reports and police reports, and specially noting the error on my report- they have XXXX  refused to delete XXXX hard inquiries that I did not authorize that were directly related to the Identity Theft. 
I have requested these be removed by mail, by phone, and XXXX previous CFPB complaints that were filed on XXXX, XXXX, XXXX, XXXX with XXXX in XXXX Department, on XXXX when XXXX in XXXX Department XXXX  hung up on me as i was explaining again Identity Theft victim, and XXXX with XXXX XXXX XXXX Department. 
THIS IS XXXX  TIMES I MADE THIS REQUEST AND TRANSUNION XXXX  REFUSED IT EVERY TIME AS I ALSO PROVIDED REQUESTED DOCUMENTATION EACH TIME. 

I am once again including the XXXX FTC Identity Theft Affidavit for your convenience. I am making XXXX last attempt to allow TransUnion to correct my credit file before I begin contacting the Attorney General offie and legal counsel as this incorrect information is affecting me obtaining residence. 

There are XXXX hard inquiries on my Transunion Credit Report with File Number XXXX that I pulled today on XXXX that need to be immediately removed as I did not authorize either of these are listed below : XXXX ) XXXXXXXX  REQUESTED XXXX XXXX XXXX ) XXXX XXXX via XXXX BANK REQUESTED ON XXXX Please mail an updated copy of my credit report to my mailing address on file.

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 2021-09-15
Company: EQUIFAX, INC.
State: UT
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
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:
I the consumer XXXX XXXX XXXX, have been a victim of Identity theft and have unauthorized accounts showing up on my consumer report. When I initially told the companies about the fraudulent information on my consumer report, they have not done anything to remedy this fraud. 15 usc 1681c-2 , states that consumer reporting agencies must block and remove any accounts that are related to identity theft, which my consumer report shows a Bankruptcy and accounts in Bankruptcy and these accounts are related to identity theft, and I never had knowledge of these accounts. The consumer reporting agencies are reporting accounts that are related to Fraud, and I need these removed as they are damaging my reputation, and also violates 15 usc 1692e as it is false and misleading to place this account on my consumer report. My personal information was involved in the Equifax  data breach and I have not had any knowledge as to what extent my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$910.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased the vehicle on XXXX. ( Please see copy of the Vehicle Invoice. ) In addition, on the same day I purchased the vehicle, I also purchased GAP Insurance. ( Please see GAP ADDENDUM attached. ) I was involved in an accident that resulted in the vehicle being deemed a total loss. XXXX XXXX XXXX XXXX XXXX ( Letter attached dated XXXX ) has broken down the coverage of the vehicle as follows : Original Amount Financed XXXX GAP Contractual Maximum XXXX Contractual Payoff XXXX Minus Adjustment/Warranty XXXX Minus Net GAP XXXX Minus Primary XXXX Minus Misc Adj XXXX Total GAP Settlement XXXX TOTAL OWED XXXX  The GAP Addendum clearly shows there was coverage and any remaining balance due was paid. Consequently, the charge-off being reported is false and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date = XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date = XX/XX/2023, 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.

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 2019-12-27
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: Their investigation did not fix an error on your report

Complaint:
XXXX ; Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$2700.00} on the XXXX XXXX/XXXX  XXXX EN account number XXXX. ( Please see page attached from my credit report. ) I was moving and was searching for a new place to live and found XXXX XXXX XXXX apartments on-line. They were advertised as newly renovated and move-in ready. ( This was completely misleading and fraudulent. ) The pictures on-line portrayed a clean and safe complex. I contacted the leasing agent and paid the deposit and fees and rented the apartment. When I arrived at the apartment complex on XX/XX/XXXX they showed me the apartment they said I had agreed to rent. The apartment was inhabitable!! The carpets were filthy ; the bathroom smelled of raw sewage ; the kitchen had never been cleaned, the entry and other common areas were not kept up, there was trash and dog XXXX and XXXX on the stairs leading up to the apartment. I went directly to the front office to complain however they were not responsive and didnt appear to care. I had no choice but to move in. I had no other place to go. Shortly thereafter on XX/XX/XXXX I contacted the apartment manager to discuss the filthy living conditions of not only the physical apartment but the hallways and other common areas of the apartment complex. ( Please see reviews that have been submitted on line discussing the same issues. ) ( I have attached a copy of my initial correspondence dated XX/XX/XXXX. ) After living there for a short period of time, the conditions grew worse and there was no way I could allow myself and my XXXX XXXX XXXX child to continue to live in the condition of the apartment or the unsanitary and unsafe living conditions of the common areas of the apartment complex either, so I moved out. I spoke with a representative from the corporate office and was told that they would work something out with me and that they would not send this account to collections. ( Please see correspondence attached dated XX/XX/XXXX, XXXX and XXXX. ) I never heard back from them again until I received a bill for {$2700.00}. Only when I received a copy of my most recent credit report did I discover that this account had gone to collections. The corporate office never had any intention of working with me even though the attached correspondence from them states otherwise. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX XXXX XXXX, MO XXXX XX/XX/2003 ; XXXX XXXX XXXX XXXX Balance : {$57000.00} ; XXXX XXXX XXXX Balance : {$10000.00}

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 2022-11-12
Company: EQUIFAX, INC.
State: PA
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 CLOSED XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Account Number XXXX Original Creditor Name XXXX XXXX XXXX XXXX  {$430.00} bal. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$490.00}

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 2021-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX XXXX US DEPT ED XXXX CAP ONE AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2021, I got my first Payment using PayPal but suddenly Paypal HOLD my money for 21 days, therefore, I can't transfer to my bank link to Paypal my money, I follow their advice that If I want to get my money sooner I have to update my tracking number so I did then they said as well even my money was on hold I can receive payment again continue so I did again received payment even the money is in the hold, Now after 5 transactions of payment they PERMANENTLY LOCK my ACCOUNT and they said I have to wait 180 days more to get my money and they said they will use my money. Now I don't have any money PAYPAL already takes control of my account sir. By the way sir I didn't yet finish the 21 days of hold they already lock my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America advertised a balance transfer credit card. I requested a balance transfer. I then called to ask them how long it would take to make the payment. They said two weeks. I expected better service than that and accepted another offer.

Their offer is a balance transfer service. I expect this type of service to include a check of the balance before there is a transaction completed. Two banks should have the authority to check each other 's account balances when offering this type of service.

This is false advertising and it is unreasonable for a bank to charge for creating a debt against a XXXX  balance.

Also, banks should be required to send paper statements ( perhaps post-card sized? ) until the first 3 payments on a new loan have been made or until the first payment has been made if they have another active account open online with the consumer..

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 2022-09-03
Company: Experian Information Solutions 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:
To CFPB, I requested XXXX, XXXX, and Experian to do a thorough investigation on my credit report to make sure all information on my report are accurate. Upon the agencies final review of their investigation, there was too many inconsistent information reported. 
Examples : The date the accounts was reported, the last time the company reported the account, documents to show I applied for the account In accordance with Fair Credit reporting act, ALL THESE ACCOUNT with account number has violated my rights. 
XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. C 1681 section 602 A. States I have the right to privacy.

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

Company 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 2021-08-18
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:
I recently filed a rport with XXXX XXXX and Equifax of inaccurate items being reported on my credit reports. NONE OF THESE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. i never receive notification of these debts on my credit reports. This is defamation of character and misrepresentation of my credit worthiness. i recently applied for a loan and was denied to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt, otherwise i will be forced to file a litigation explicitly stating your company 's negligence to abide by the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation