BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-21
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I recently pulled my reports and noticed you are reporting the incorrect account name for this account ( XXXX DIST CT XXXX ) Because the account name being reported by your company and XXXX are different ( XXXX XXXX CT GA XXXX XXXX ) and XXXX is reporting a different name ( XXXX BANKRUPTCY COURT- XXXX ), this means the account has not been properly verified. Please delete this account immediately. 
Please remove ANY other information you are currently reporting as they are NOT accurate. Pursuant to Sec 602 ( a ) Accuracy and fairness of credit reporting 100 % accurate. Sec 602 ( b ) It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

Violations of this subchapter Sec 616 ( a ) ( 1 ) ( A ) Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} for each violation. Sec 616 ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Regardless of the multiple written requests, the account listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with TRANSUNION, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 


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 2023-05-30
Company: Experian Information Solutions Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I strongly request that you update my account to accurately reflect my payment history. Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.

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 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-12-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, I have summitted a formal complaint to Chase on the handling of my escrow account. When I initially closed my home loan in XXXX of XXXX my lender padded my escrow account to for the standard rate in California of 1.25 % of my purchase price ( {$490000.00} ) to account for any increase in tax payments. My monthly payment was at {$2500.00} with {$510.00} being allocated to my taxes. When my supplemental tax bill came out in XXXX of XXXX, I sent the bill to Chase. Chase should have this of record and understood how my taxes would have increased from the previous owner to me. Chase was able to pay my supplemental taxes directly from my escrow account due to the diligence of my previous leader. In XXXX of XXXX my payment was lowered when my escrow account was reanalyzed. My payment was updated to {$2100.00} with {$80.00} being allocated to taxes. This should have never happened. Chase should have left my payment with the padding using my supplemental tax bill as evidence my new tax bill would be substantially higher than the previous bill. In XXXX of XXXX again my escrow account was reanalyzed changing my payment to {$2100.00}. Lastly, XX/XX/XXXX my escrow account was reanalyzed. Now I have an escrow shortage of {$4600.00} with an increase to my monthly payment of {$800.00}. 
The amount of taxes Chase paid on my behalf in XXXX was {$8600.00}. How would keeping my taxes at {$960.00} a year be setting me up for success? How is this responsible servicing? Chase has created a severe hardship to my household. I must take a loan from my retirement account to pay my escrow shortage in full because there is no way I can afford the {$800.00} monthly payment increase. This was not how my loan was approved exceeds my current XXXX. 
I have called Chase Customer Service and spoken to 3 individuals on XX/XX/XXXX, without success. I would like Chase to contact me directly and rectify this issue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I confirmed with my servicing department they take items I discussed into consideration, so XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Navient Solutions, LLC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/2019 Navient This company has reported 90 day late payments on my credit file. My student loans are deferred. This company has reported this to all credit bureaus and it has had an adverse effect on my credit file. I am requesting for Navient to update all three credit bureaus with 90 day late payment removal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: DFC Global Corp.
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:
I have disputed this SAME collection posting years ago and it was removed. It is not mine. Ive asked for proof to show their validity of placing this Collection on my report and Im not getting that. Just a notice of we are investigating, dont have an update hang tight, to, weve completed our investigation and nothing changes. What was done??? This collection doesnt belong to me. I have not opened ANY ACCOUNT ANYWHERE with an {$8000.00} debt. 
Also, XXXX XXXX canceled my card without notifying me & is blocking my payments through the app so I cant make payments then unfairly reports, no payment on a closed account All of this is unfair and egregiousplease help me get these items removed/resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: SIMM Associates, Inc.
State: NC
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:
Simm Associates is continuing to report a collection account in my XXXX  report that has been recalled months ago by the original lender. They cant take payments or discuss the account I called and confirmed. They confused me with anther person in my initial complaint so I am refiling. 

Thanks XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: American Credit Acceptance, LLC
State: TX
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 reached out to this company several times to formally and legally ask them to remove this inaccurate and illegal account information from my credit report. However, after various formal certified mail disputes they continue to ignore my request.

AMERICAN CREDIT ACCE Date Opened : XX/XX/2016 Amount : {$14000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
In 2014 my current account with Chase had included the of benefit a safety deposit box for free, they opened for me at XXXX XXXX XXXX branch. I have never used it, the bank decided to remove last year the product as benefit, they are charging me as automatic payment XXXX for it which I have been paying so far because they do not allow me to close the box unless I personally go to the mentioned branch. I live in XXXX by now, I am not able to travel to XXXX to do this closure at the branch as they request. I have nobody to provide a power of attorney to do it for me there. I continue having all the products with this bank, I have contacted customer service number XXXX requesting assistance to close it, they referred me to a branch in XXXX, I filed a complaint with XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX who was very surprised this is the rule for the bank and tried to support me without success. I receive a call XXXX from their call center saying again I need to go to the XXXX branch if I want to close it, without any solution. I was confirmed even if I close all the products I have with the bank the safety box will remain active and chargeable. I am not rejecting the payment of it but I do not need the product that the bank offered for free and now to be able to get rid of it I would need to travel to another state with the expenses involved. I does not seem to be fair for a customer to be given a product by the bank and having after this big issue because they just decided not offering it anymore, not allowing the customer to close the product. 
my name is XXXX XXXX XXXX XXXX, the safety deposit account is XXXX offered within the package of my current account XXXX. The bank is obligating me to a product that I do not need nor want or requested. I believe nobody should be obligated as they are doing to have something you do not need. They should allow me to close it from any of the branches as the bank offer country wide service/branches.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
Company: AMERICAN EXPRESS COMPANY
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
Fraudulent purchase made under my account. Credit card company American Express still charges it to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
Hi Dear customer service, I received an email from XXXX XXXX that my XXXX XXXX  sent a 30 days late payment to all 3 credit Bureaus. Let me first explain my situation. I closed most of my credit carts about 2 years ago through XXXX XXXX XXXX 's department. Every month I am paying them the amount that creditors agreed with them. During the Covid 19 I was not able to pay the full amount due to my financial hardship. It was the first time that I paid less amount to my credit card companies. However, I have already paid the full amount and make them current. The only bank that didn't remove my late payment is XXXX XXXX. I have already made a disput with all 3 credit bureaus and received an email from them that they are unable to remove the late payment from my history. Today I called to XXXX XXXX  and humbly request them to do something for me and ask them to let me to make a disput with them, but they said they are not able to do anything for me. I told them I have already spoken with their customer service department and explain them I am not able to pay my full amount but the supervisor told me they have never received a call from me. I swear to God I talked with them a month ago and explained them why I can't pay the full amount and they accepted it. Now, they say I have never talked with anybody in their department which is so weird. I humbly request you to understand my situation and do something for me. I have never had any credit problems with any companies before and this late payment really bothers me. Because of the late payment report my credit score dropped by many points and I am really sad that why I was not able to pay the full amount to them. I thought that XXXX  XXXX  will understand my situation and remove my late report because I am sure that this might happened to many people during this Covid 19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: U.S. BANCORP
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2023 around XXXX I XXXX XXXX XXXX a applepay ( thru my US Bank Debit Card ) deposit of the amount of {$210.00} to US Bank ATM Machine at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX KS XXXX. After the deposit, I received a error receipt stating my deposit isn't reflecting my balance. This has never happen to me before! I called customer service and filed a claim with the representative, giving the rep all the information on the receipt they needed to fix and track my deposit. The rep told me it will take up to 10 days to finish my claim and recover my deposit to reflect my balance in my checking account. 10 days went by, and the claim was REJECTED, due to lack of information needed. I called customer service, and they stated they was missing XXXX and address, so they rejected the claim. I confused because I gave all that information to the claim representative in the beginning. I file another claim, with the physical address XXXX XXXX XXXX, XXXX XXXX, KS XXXX. Couldn't give them the transcode, because I no longer have the receipt. During the process of the XXXX claim, the claims department stated they needed more information, and wanted to know if I used applepay to make the deposit? Of course I said " yes '', and that was a week ago from the date of this claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2021 I was contacted by Bank of America saying some fraud was detected on my account. They verified my info and told me to assist in making sure it wouldn't process. They said my account should be fixed in 6 hours little to say later on I noticed XXXX missing from my account through XXXX I have filed several claims with Bank Of America and XXXX. They have denied every attempt I've made to get my money back saying they were unable to retrieve they funds and I should contact the merchant. Like I know who they are! To add insult to injury the Bank says it's not insured. I never asked for XXXX and only used it because the bank has it I never requested that XXXX be able.to access my account like this XXXX XXXX. I am not the only vitim either Also I believe the Virginia Employment Commission VEC has been hacked along with other Unemployment Agencies across the country. I say this because One day I waa calling to file a claim and the VEC didn't answer. First it was the answering service for XXXX XXXX second XXXX XXXX  then XXXX XXXX and so on. I am XXXX yrs old and I have been a gamer all my life I know when there is a glitch in the system. I tried to report this I left a message that was the best I could do. I figured the government would figure it out soon enough. I guess they haven't.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: TX
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 never applied for this XXXX XXXX $ credit card from XXXX to XXXX. Account # on my credit report is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation