BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-25
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX Chase re-billed my credit card for a previous dispute that I thought was settled. I had never received any correspondence from Chase regarding the original dispute nor the re-billed charge. When I saw the charge back to my credit card I questioned Chase and they advised me that they evaluated my dispute and decided that I would have to take up my dispute with the merchant. ( XXXX XXXX XXXX XXXX ). When I asked them for discovery regarding the information they used to determine their decision, I was told that I had to write a letter to the Executive Offices and that they could not supply me with the documentation I had requested. I once again reminded them that I had not received anything in writing from them whatsoever! They again told me there was nothing they can do and to write a letter and FAX it to the Executive Offices. Left with little choice, I had to do battle with the deceptive merchant once again! On XX/XX/XXXX, the merchant picked up a portion of the merchandise I was disputing and was allegedly was going to credit back my Chase credit card. That never happened. I contacted XXXX 's and they advised me that I had to contact Chase to re-dispute the charge in order to receive my credit. I once again contacted Chase and they advised me that I had to write yet another letter and FAX it! I once again complied and wrote yet another letter to Chase on XX/XX/XXXX. I provided all of the the supporting documentation from the merchant regarding the credit for some of the merchandise returned. I still have not heard from Chase and I checked my account online yesterday, XX/XX/XXXX, and I was charged a late fee and now I'm delinquent!! My supporting documentation will provide some insight to the nightmare that I have endured. This must stop! Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: DISCOVER BANK
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I have an account with XXXX XXXX and transfer money using XXXX for last few years. Also I have an account with Discover bank too. But I have never used the account for anything. Last XX/XX/XXXX th Discover bank has labelled my account as fraud and suspended my XXXX tokens. Therefore I can not use XXXX XXXX  for any money transfer. I have made over XXXX calls and they have not done anything to help me. Discover bank has to remove suspicious status on my account in order to use XXXX with any bank.Discover has labelled me as a terror with no reason. They should either take me to court and punish me or release my XXXX tokens. So I can be free to use XXXX through my bank.This is a discrimination against my status. 
I have contacted XXXX once and was told that they can not involve in this matter because this has to resolve through Discover bank only.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I called Equifax and XXXX to request items on my credit report be deleted. The accounts were two XXXX accounts. I was told the deletions will take place within 24-72 hours. The deletions did not occur and the accounts were " updated ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX Balance : {$25000.00} Medical XXXX Balance : {$120.00} If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2019-10-14
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian just sent me a brand new credit report in the mail and my request to have negative, false comments removed from specific accounts has been ignored again. I am left with no other choice but to keep filing compliants with the CFPB and now my state attorney generals office. 

I am attaching a scanned copy of the report that they just sent me. The following accounts have false and incorrect comments on them that say " Dispute and reinvestigation '' but they never fix any problems. They intentionally leave the dispute codes or comments.on there because they know that it impacts me getting approval of loans because it takes those account out of the algorithm. They are intentionally doing this because I stand up to them and file complaints. I want the comments that are circled on the attachment that is being uploaded removed permanently and i want them to stop putting these false comments on my credit report. They have no right, especially when accounts have not been disputed by me. This is illegal and this is an attempt to harm my financial status and they need to be be held accountable. 

The following accounts have comments that i am demanding be taken off. SEE UPLOADED ATTACHMENT AS WELL. This is important since most of these people that work for Experian are not even in our country and do not speak very good english. 

1. XXXX XXXX ACCOUNT : XXXX 2. XXXX XXXX ACCOUNT : XXXX 3. XXXX/XXXX XXXX   acccount number as on report XXXX 4.  XXXX/XXXX XXXX 5. XXXX XXXX XXXX XXXX : XXXX ( Never disputed, never late, why are you putting a dispute comment on this account ) Should say Open/Never late 6.XXXX XXXX XXXX : XXXX ( Account has always been in good standing why would I dispute this one. You intentionally put a false narrative on my account is should only state OPEN/NEVER LATE Remove all dispute codes and comments immediately. LOOK AT THE ATTACHMENT it specifically points out your intentional and false statements that must be removed 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
Consumer complaint received 2022-08-25
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:
The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681 XXXX account # XXXX has violated my rights XXXX  account XXXX XXXX has violated my rights XXXX  XXXX XXXX account XXXX XXXX has violated my rights XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) account 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 Sates : 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 ) Section States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report. Thank you. 
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 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 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 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 non-monetary relief
Consumer complaint received 2020-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I received an email alert from XXXX XXXX that one of my accounts had been closed. When I looked into it, I learned that Bank of America had closed my credit card because I was labeled as " Deceased ''. I immediately called Bank of America, where they confirmed that they did close my account due to receiving a notice that I was dead. I explained that I was not deceased ; however, I am the trustee for my aunt and that she had passed away XX/XX/XXXX. We have her trust account with BoA and clearly, they mistook her for me. After proving to the Estate Dept at BoA that I was who I said I was, and that I was clearly not dead, they reopened my credit card. 

Now I find that are problems with all of my credit reports because of their mistake. So much of a problem, that I can not even access my credit scores through XXXX XXXX because my " information does not match credit reporting ''. 

My aunt was never associated with my credit card. We have completely different names. She has never lived in XXXX, nor have I ever lived in XXXX. Different birth dates, different social security numbers - Clearly Bank of America did not do their due diligence before making the decision to close my account and subsequently ruin my excellent credit rate!

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 2023-08-01
Company: EQUIFAX, INC.
State: TX
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 XXXX : Reference number XXXX XXXX filing date XX/XX/2019. Reporting this false information violates my rights. Based on Equifax themselves they stated they verified this account from a third party XXXX, I have included a letter from XXXX from a couple years ago stating they have removed this from their reporting as it was an error. Equifax has refused to remove it from their reporting even though they stated they verified the information from XXXX whom stated they removed it from their report a couple years ago. Equifax is violating my rights by reporting false information that they stated they verified from XXXX which is a lie as this is not on my XXXX. I have included the letter from XXXX of the removal and I have included information from Equifax of them stating they got this information from XXXX. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to inform you that there is 100 % improper use of the credit report. Attached to my SSN! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, real employer paycheck stubs, driver 's license, and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, EQUIFAX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN XXXX HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, EQUIFAX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, BELOW IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
Account name : XXXX XXXXXXXX, Account # XXXX. Account name : XXXX, Account # XXXX Account name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), Account # XXXX Account name : XXXX, Account # XXXX. Account name : XXXX XXXXXXXX XXXX, Account # XXXX Account name XXXX XXXX Account # XXXX. Account name : XXXX, Account # XXXX Address XXXX XXXX XXXX, XXXX XXXX IL XXXX, Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!!

15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! 
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I cant get my bank to report my morgage to XXXX and Transunion. 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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2019-10-12
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This is not a duplicate complaint and its filing is legal and sustain and the bank accused of wrongdoings is now noticed - - ______XXXX   XXXX______ _______XXXX XXXX XXXX _____ XXXX XXXX VA XXXX- - _____FORMAL legal Complaint and legal notice to stop and cease from any new retaliation and discrimination - -- -///////// Filing Date : XX/XX/2019. 

Chase Bank in a new act of retaliation against my person declined my transaction, impeded my ability to use my account ending in XXXX ( complete account number shown in a copy from the current statement with a rejected due date of XX/XX/2019. This copy is attached to this legal complaint and notice ) - And violated the applicable terms and conditions of the account therefore I have no obligation toward this bank in any way. This Bank motives to those discriminatory and retaliatory adverse actions are : my filing previously within the CFPB and against this same bank and the CFPB has access to those complaints, my rejection in writing to this banks attempt to force me to accept arbitration and my complaint to this bank itself about what I believe its unlawful behaviors against my person. Chase Bank or chase card services or any company that has Chase in its legal business name and operate in the U.S by those acts committed toward me it has violated the Consumer Financial Protrction Act of 2010 reform ( CFPA ), The Equal Credit Opportunity Act ( ECOA ), Civil rights Act and other laws or regulations and/or their provisions prohibiting retaliation or discrimination toward consumers or anyone who report a company to the CFPB or any regulator. I attached the receipt that shows the decline of my purchase by Chase and this Bank ( Chase ) chose not abide by the law and terms and any new aggression or adverse action from this Bank against me is going to be very reckless and it should have severe legal consequences on this Bank. 
_ - This bank is now notice to cease and stop from any negative act or any adverse action or any retaliation type against me ; and any matter between me and this Bank is now disputed legally - any new aggression or alike or any type of harm against me will then justify any legal action I will then take I reserveu right to take any legal action I see it appropriate and at any time and workout any prior notice of any kind to Bank - - I attached also what prove that as of this moment I should have a credit limit of over {$4000.00} I reserve all my rights - e- - - - All stated herein is to my current states belief, knowledge and understanding and it is all subject to any change or correction of any kind and at any time and by my person or legal counsel and without any notice and without waiving my rights .- - - Thank you, - - The complainant ( XXXX XXXX ) today XX/XX/2019.- -

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions 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:
In accordance with the Fair Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of account below : 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