BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I understand that errors can occur, but these mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. The other bureaus have already honored my request to remove the late dates and negative status of this account. However, your bureau is the only one that has not updated my payment history. I request that the late payment markings be updated to reflect my accurate payment history. I have identified the following errors in my credit report : APPLE CARD/GS BANK USA XXXXXXXX . I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Over the past year and a half, MANY fraudulent transactions- through XXXX XXXX XXXX XXXX XXXX XXXX, some sports book charges- have been sent out from my bank account at JP Morgan Chase . I have called Chase NUMEROUS times to dispute and complain about these things happening on my account. ( Someone actually told me recently that there were 22 disputes on my account, although I believe that there have been more ) Many times, I have been told that the case will be taken to someone higher and I will hear back from Chase, but I never did. This could possibly be a case of Identity Theft, but Chase never seemed to take any steps toward solving out the problem. In XXXX of 2022, I also completely closed down my Chase account and opened a new one, but these transactions STILL continued to occur. It's just shocking that not one member from Chase seemed fazed by the amount of false charges and disputes that I had made. 
Often, within a day of getting paid from work, money would be sent out to accounts that I do not know. I would call to open a dispute against these transactions, then the temporary credit would be placed in my account, but then money would get sent again almost as soon as the money was put back into my account. 
NO ONE at Chase has been helpful through this entire process and I am tired of losing ALL of my money. Something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: FL
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. 

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 explanation
Consumer complaint received 2023-11-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
We have had a Chase bank account for the last 23 years. I am XXXX XXXX XXXX and have created a website XXXX. The XXXX who has a XXXX XXXX in XXXX XXXX and partner lives in XXXX. The costs of building this website could have never been completed here in the US based on the skill level of my colleague. I send money to him via XXXX when he sends an invoice through XXXX and have been paying him for the last two years. This XXXX project started in XXXX and basically took two years to build the content, and another two years to build the website that is free to everyone who wants to learn English as an ( XXXX ) student around the world. 

My deep concern and frustration regarding the recent closure of our business account with Chase Bank. I spoke to the current branch manager in XXXX and she stated leave enough money to avoid fees. We did that. Two weeks ago, XXXX sent a letter stating we need to close XXXX XXXX our bank account since XXXX. In addition, we have saving, checking and another business account with Chase.

Calling Chase did not provide any information as to why the account must be closed. The person said we do not have to tell you why. Investigating this, an article in the XXXX XXXX XXXXXXXX has delivered a partial answer surrounding the suspicious activity report ( SAR ) has been filed. Further, discovering XXXX is not a legislative body but is a group on the government that investigates money laundering. However, being extremely concerned that our tiny company is being affected by suspicious activity report ( SAR ). 

Honestly, I do not know who to contact for assistance on the matter. I feel like our bank account has been singled out for something under the suspicious activity report ( SAR ) and there is no one person to answer questions. 

Now we are launching our website and I need to find a new bank. The lack of transparency and communication surrounding this decision has not only caused significant inconvenience but has also raised serious questions about the need for legislation to protect all consumers from arbitrary bank account closures. 

Not sure if this note will reach anyone who cares, but it sure would be nice to know someone cares.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit 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:
Bank of America Attn : Billing Inquiries XXXX XXXX XXXX XXXX, TX XXXX Re : Notice of disputed charge to account Dear B of A Billing Inquiries Division : I am writing to dispute a charge of {$18000.00} to my credit card account on XXXX XXXX XXXX The charge is in error because the company that I hired to do work for me is in breach of contract / services not rendered. 

I have been working with the company, XXXX, for the entire year, giving them chance after chance to provide what they told me they would provide in their contract. However, although they attempted to over the months, they were never able to deliver. I asked for my money back last XXXX, within XXXX  days of filing a dispute claim with you. They told me that they would send my request to their billing department, but then they didn't follow through. 

I contacted Bank of America many months ago regarding this issue, to find out how long I have to file a claim against the company. Your customer service representative told me that I have at least XXXX XXXX  to file a claim, and up to XXXX XXXX This should be documented, as I know you record all phone calls. 

I recently received XXXX letters from you, both dated XX/XX/XXXX. XXXX letter stated that you were working on my claim, and that I should send you information to support my claim within the next XXXX  days, The second letter stated that you completed your research and that my claim was denied. But you didn't give me a chance to send you my information to support my claim.

I believe that you should allow me to dispute this charge for the following reasons : 1. After the company didn't perform, and after giving them plenty of time to do so, I asked them for my money back. Then, when they didn't do follow through, I filed a dispute with Bank of America within XXXX  days of me asking for my money back. 

2. A Bank of America Representative told me that I had XXXX years to file a dispute, and up to XXXX years. You have record of this phone conversation, since I know you record all phone calls. 

Please work with me on this to get a fair resolution. 

Sincerely, 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 2023-10-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.

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 2023-10-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-10-16
Company: Experian Information Solutions Inc.
State: LA
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.

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 explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting 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:
Account closed in XXXX Due to Maine statutes, this account should have been removed from my credit reports. This account keeps changing status. Account as closed per my request in XXXX XXXX, and due to medical hardship, I did not make any further payments. I have attached a letter crom XXXX XXXX XXXX XXXX XXXX XXXX for further reading. This is a blantant violation of Maine Statute .32 MRS 11013 ( 8 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
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:
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( XXXX XXXX XXXX  ) It has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. 
Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

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 2023-10-15
Company: Experian Information Solutions Inc.
State: MD
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:
Experian and XXXX are violating my consumer rights according to U.S. Code 1666b and U.S. Code 1681a ( 2 ) ( a ) ( i ). I seek information regarding the verification process used by Experian to report late payments on the XXXX  Account # : XXXX, in line with U.S. Code 1666b. XXXX  NEVER mailed me periodic statements 21 days before the due dates, as required by U.S. Code 1666b, for specific dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Furthermore, I question the inclusion of these late payments in my credit report under U.S. Code 1681a ( 2 ) ( a ) ( i ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Subject : Urgent Request for Investigation of Closed Account from Credit Report I am writing to bring to your attention a concerning issue regarding my closed account with XXXX , with the account number starting as XXXX. The account has been closed down due to fraudulent activities, and I have noticed inaccurate information on my credit report, including late payments and a balance, contrary to the terms outlined in 15 USC 1666b and 15 USC 1692 ( b ), as well as the protections provided by the Cares Act. 

I kindly request your assistance in investigating this matter and ensuring the prompt removal of the inaccurate information from my credit report. I believe this is essential for maintaining the integrity of my credit history. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

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 2023-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Fifth Third Bank has now TWICE allowed their employees to go into my account and change my address. They were NOT authorized to do so. Both times they removed my unit number from my address. This caused my initial credit card to be sent who knows where. After a lengthy phone call including an escalation, we were able to resolve this. I was told that AFTER they had already approved me, a manual verifier went into my application and updated my address likely via copy/paste, and forgot my unit number. I thought this would be the last issue. 

This second time happened XX/XX/2023 XXXX XXXX. I was able to find out from their representative that one of their branch employees went into my account to make this change. They deleted my unit number from my account yet again. I went in and manually updated it back to normal. The customer service representative was unable to state which branch did this and instead advised I go to " the nearest branch '' to resolve this violation of my account via unauthorized use. This is my 2nd complaint against Fifth Third Bank, which is displaying gross negligence in privacy practices. How are unauthorized employees allowed to go into peoples accounts? Does 53 allow them to borrow money too? It's unacceptable.

Furthermore, this unauthorized security breach which is clearly the norm, can cause consumers to miss payments as we need a bill to know when to pay. Are you purposely doing this to collect late fees?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XXXX XXXX XX/XX/2023 Subject : Urgent Request to Remove Inaccuracies from Credit Report Dear Sir/Madam , I am writing to urgently request the removal of inaccuracies from my credit report, as maintained by [ Credit Bureau Name ] . The presence of these inaccuracies, which exceed 10 in number, is significantly impacting my ability to secure a mortgage for my new home. My mortgage company has highlighted these discrepancies as a major hindrance to my home financing. 

In accordance with 15 USC 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request the expedited removal of any incorrect information from my credit report. I am exercising this right and urge your prompt attention to the following inaccuracies in my report : 1. Date Opened : The dates are incorrect and inconsistent. 
2. Balance 2 : The amounts are inaccurate and inconsistent across all records. 
3. High Credit : The reported amounts for all three credit reporting agencies ( XXXX, Experian, and XXXX ) are incorrect. 
4. Credit Limit : The reported credit limits are inaccurate and erroneous. 
5. Past Due 5 : The past due amounts vary among the three credit reporting agencies.

6. Payment Status : The payment status is showing different days.

7. Last Reported : The reporting dates are inconsistent and differ across the three agencies.

8. Date Last Active : The date of last activity is showing discrepancies in days, months, and years.

9. Date of Last Payment : The reported dates are entirely different and not accurate.

These inaccuracies have immediate and profound consequences for my financial goals, particularly my pursuit of homeownership. I implore you to expedite the resolution of these inaccuracies in line with the FCRA.

I respectfully request that you promptly investigate and verify the information contained in my credit report and take the necessary steps to correct or remove any inaccuracies. Given the urgency of my situation, I kindly ask for immediate attention and action.

To facilitate your investigation, I have attached copies of the documents that support my dispute, including [ List any supporting documents you are attaching ].

Please be aware that the FCRA mandates the completion of your investigation within 30 days. However, I urge you to expedite this process due to the significant impact these inaccuracies have on my financial prospects.

I anxiously await your prompt resolution of this matter and expect written confirmation of the results of your investigation, as well as a copy of my updated credit report, as soon as possible.

Your expedited assistance is greatly appreciated. 

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 2023-10-13
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent letters out via first class mail with tracking on XXXX and XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( XXXX, EXPERIAN, XXXX ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a XXXX complaint, lawsuit. 

.

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