BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-12
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have contacted JP Morgan Chase as my name has been reported incorrectly by them. This shows on my accounts as well as on my credit report. Somehow my middle initial was merged with my first name resulting in my first name now being incorrect. The first representative I spoke to ( on XX/XX/19 ) told me that I would have to visit a local branch with documentation to have the name change completed but the closest branch is over three hours away in a different state. This representative actually hung up the phone prior to the end of the call. The second representative I spoke to ( on XX/XX/19 )  was willing to assist me, but was unable to complete the name change as his system would not allow it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2022-06-06
Company: EQUIFAX, INC.
State: MO
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 listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE ACCOUNTS : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$180.00} XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX  XXXX : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX  ( Original XXXX : XXXX XXXX XXXX ) XXXX : {$52.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$3400.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$110.00} INACCURATE ADDRESSES : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX HXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: AL
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my 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 non-monetary relief
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The account with XXXX XXXX XXXX for repossession is reporting inaccurate information. I have a right to an accurate credit report by law. 
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX SC, XXXX XX/XX/XXXX Last 4 of SSN : XXXX XX/XX/XXXX To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter filed with the CFPB. 

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible. 


Personal Information : XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXXXXXX XXXX XXXXXXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX Phone Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Names : XXXX XXXX XXXX XXXX Employment : XXXX Local Account History : XXXX XXXX XXXX, acct # : XXXX XXXX, acct # : XXXX XXXX XXXX, acct # XXXX XXXX XXXX XXXX XXXX XXXX acct # : XXXX XXXX  XXXX XXXX  XXXX XXXX acct XXXX : XXXX The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ). 

Sincerely yours, 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 non-monetary relief
Consumer complaint received 2018-08-09
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt Recovery Solutions reported to the 3 credit bureaus derogatorily and negatively that I owe a debt of {$660.00} on XX/XX/2018 that was opened XX/XX/2018. I have did not receive any communication ( oral or written ) from them. Acct # XXXX. Please have them remove this information from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX please remove any other name from my file they are not right ( XXXX XXXX XXXX 
My address is XXXX XXXXXXXX XXXX  XXXX, OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXXXXXX XXXX  XXXX, OH 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 2019-06-28
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:
I have accounts on my credit report that don't belong to me. These inaccuracies are negatively affecting my ability to buy a home. 

I also have inaccurate late payments on my report although I never actually paid anything late. My information is all over the place and each credit report agency is reporting completely different information about the same accounts. 

Something isn't right 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 explanation
Consumer complaint received 2019-01-08
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification, after falling back on my payments. I submitted documents for a modification in late XX/XX/XXXX. I sent ALL documents the bank requested, as I was cognizant of the faxf that a full application package has to be received prior to 37 days of a scheduled sale date of XX/XX/XXXX. On XX/XX/XXXX, the bank had confirmed that they have a complete package, therefore bearing the 37 days threshold. I was further advised that the underwriter may request other documents during the process if needed. Contribution letter and paystubs from the contributor were requested and sent immediately upon the request. The underwriter then asked for a lease to be completed. When I spoke to XXXX at the bank, he said the lease for the amount of {$900.00} is not complete. XXXX tried fi find XXXX reason the underwriter said that, by examining every page of that lease. He then said its the tenants initials that were missing on page 5 of that lease. I immediately obtained the initials and sent back. XXXX had said it was the last piece of document they were requesting. On XX/XX/XXXX at XXXX. I called in the same day, AND also the day after New Years Day. and it was confirmed as recieved. 

Fast forward to today XX/XX/XXXX, when I called in just to make sure things were moving, and was told nothing is being processed because we are within 16 days to sheriff sale, and the underwriter was asking for something else he FAILED to request when he indicated that the initial on the lease was the last thing he needed! Please note i sent in the last document on XX/XX/XXXX and it was confirmed as recieved. 

Underwriter failed to request specifically what he needed, so kept on asking for docs that obviously didnt satisfy the issue he had, which up until this minute, we havd no idea what that is. Allbwe know is that we sent ALL documents requested immediately as they were requested and was done befits their designated 16 day day window. It is the banks fault, not ours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: IN
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: Problem with personal statement of dispute

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my 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 2022-06-06
Company: Experian Information Solutions Inc.
State: MO
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 listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE ACCOUNTS : XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance : {$180.00} XXXX XXXX Balance : {$240.00} XXXX  XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX  XXXX : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$52.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$3400.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$110.00} XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 converging account numbers have violated my rights 15 U.S code 1681 602H I have the right to privacy.

15 U.S code 1681 604A section 2 Consumers can not furnish an account without my written consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2018-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been disputing this inaccurate account information with the credit bureaus for over 3 months. I also have sent a certified letter directly to the company. They never responded at all and have not corrected or removed the account. I also told them NOT to call me in my certified letter and guess what they did. They started calling an d harassing me After they Signed a certified letter stating NOT to call. They are now in violation of 47 USC 227 TCPA, 15 USC 1681 FCRA s-2 and the FDCPA and the UCC 9-503.

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 2023-04-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Good Afternoon.. my dears At Consumer Financial Protection Bureau.. greeting My complain today is against [ Wells Fargo Bank, Service of process ], Since after almost more than 5 months wells Fargo Service of process , returned My judgement uncollected Because, of their own mistake [ wells Fargo Altered my Civil case NumberXXXX ] Please see my email message.XXXX 


Kind attention : my dear XXXX XXXX senior business Exceution Administrator good morning.. and Good morning to my dears at service of process team at wells Fargo bank as well. 
Dear XXXX I noticed very big mistake in your letter you sent it To me on date XXXX XXXX My case is XXXX Also all Defendants names are listed here [ Plaintiff Federal Procedure XXXX ] Attached for your kind attention See also [ judgment statement of cost ] Also puch of Defendants names Listed at petition Write of XXXX XXXX above Dear XXXX please process My judgement, since the civil case Been found on your correspondence to me was wrong Please notify me upon receiving My email message, thank you, and XXXX Bless Yours Sincerely 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 2023-07-27
Company: EQUIFAX, INC.
State: MO
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 Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account name : # XXXX XXXX XXXX XXXX Account name : # XXXX XXXX XXXX XXXX Account name XXXX # XXXX XXXX/Dept of Education Account name : # XXXX XXXX  Account name : # XXXX XXXX XXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-06-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account was closed by Wells Fargo due to having suspicious XXXX activity. Every single person I have ever XXXX was a family member or a friend and theyre closing my account. Im stuck in XXXX and they will not allow me to access my funds! They say if they deem the transactions as legitimate they will continue to close my account and mail a check! Theyre holding my money for 20 days!

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 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a XXXX either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief