BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I don't know what the banking regulations are concerning " float '' but that is what this complaint is about. 

My mother-in-law, age XXXX, died on XX/XX/XXXX. As her XXXX XXXX had declined over the last years, she had given me her financial power of attorney. We operated a joint bank account with her bank, Chase, and I was the executor of her will. 

We notified her sources of monthly income ( Social Security, her XXXX pension, Veteran 's Administration ( she was an XXXX XXXX during XXXX XXXX XXXX ) ) of her death and closed automatic monthly payments going out such as phone bills and medical insurance. By early XXXX, XXXX, I felt that all activity had ended. It was time to fulfill her will. 

Chase Bank, however, had an incoming check on hold. When I clicked on the highlighted hold on-line, a message appeared : " It looks like this part of our site isn't working right now. Please try again later. Thanks for your patience. '' I still get that message as of this morning when I click on the hold. 

So I made an appointment for XX/XX/XXXX with a bank representative in preparation for disbursing her funds and closing the account. I made the mistake of bringing a copy of her death certificate rather than the original. XXXX XXXX said the hold was on my mother-in-law 's Social Security check from early XXXX and that when I brought in the original death certificate, she could call Social Security and make sure that the government would not want some of the payment returned. 

I returned to Ms. XXXX on XX/XX/XXXX with the original death certificate. When I asked if she would now call Social Security, she said that was something that the back office would do. When I asked whether it was the bank 's back office or Social Security 's, she was vague in a way that made me uneasy. What if I went down to Social Security and checked with them myself. She said I could do that and gave me a list of what information Chase would need to remove the hold on that check. 

I went to the Social Security office. A man examined my monther-in-law 's account and said that the early XXXX check covered XXXX. Since she died in XXXX, she was absolutely entitled to the full check that was on hold. He filled out a form to that effect, including all the needed information that Chase had listed. I took the letter back to Chase and gave it to Ms. XXXX that afternoon. She said it might take a few days for their back office to clear the check. 

It is now eight days later so I am filing this complaint, both to get that check released so I can disburse my mother-in-law 's funds to her grandchildren and to alert you to a possible practice that might be of concern to you. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: EQUIFAX, INC.
State: WI
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:
XXXX XXXX XXXX  XXXX XXXX accepted a negotiable instrument for loan ( XXXX ) satisfaction on XX/XX/2023. They are still in possession of the negotiable instrument XXXX and have not discharged the debt. They have filed foreclosure without any foundation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
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: Report provided to employer without your written authorization

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. 


Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

XXXX XXXX : Account number : XXXX, I was a victim of identity theft. 
XXXX  : Account number : XXXX, I was a victim of identity theft. 
XXXX XXXX : Account number : XXXX, I was a victim of identity theft. 

Failure to respond satisfactorily will result in a small claims action against your Agency. I will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
A few weeks ago, I submitted a request to increase the credit limit associated with my corporate business account. Today, on XX/XX/2023, I contacted customer service to inquire about the status of the request. I was informed that a representative from the bank tried to contact me on XX/XX/2023. Unfortunately, I missed that call as I do not answer calls from unknown numbers. 

As a business owner, I often have a busy schedule and can not always be available at a moment 's notice. Additionally, I hold the status of a platinum with honors reward client, and I believe that should have warranted special attention and consideration. It is my belief that, under these circumstances, leaving a voicemail should have been a standard practice. 

I am deeply concerned that Bank of America 's handling of this matter may constitute a violation of privacy and data protection regulations that are put in place to protect customers ' personal information. 

The fact that I was not notified by any correspondence regarding the attempted contact and that the representative did not leave a voicemail or provide any other contact details further exacerbates my concerns. 

I would like to request that the bank conducts a review and investigation of their credit department to ensure compliance with privacy and data protection standards. 
Additionally, I believe the representative involved with the call on XX/XX/2023 should receive coaching to improve their communication practices. 

As a loyal and valued customer, I trust that Bank of America will address these issues promptly and take the necessary steps to safeguard consumers ' privacy and data. I hope that my complaint will be taken seriously, and appropriate actions will be taken to rectify the 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 explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: NV
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 called your department after I purchased a credit report with Experian on XXXX After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off on my credit report. 
These are disappointing because I have been paying Experian to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collections that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these account listed below, so please help me remove this charge off and collection account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 
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 2023-09-21
Company: EQUIFAX, INC.
State: TN
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: NJ
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: NV
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21
Company: Sequium Asset Solutions, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Got a XXXX Credit Alert that I had an account added to collections. Upon looking at my report, I noted that I had an account in collections with Sequium Asset Solutions. I called them immediately and spoke with their representative. They were unable to look up any account using my phone number, we tried my SSN and tracked down an account to a XXXX XXXX service address in North Carolina. I have never lived there, I have lived in California for the last 30 years. XXXX then made me call XXXX who can not track down any account in my name or by using my SSN. XXXX then directed me back to the collection agency, Sequium Asset Solutions, and they have not been able to help me any further. I am being sent back and forth between these two companies for an error I did not make and they have offered no solution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must get rid of the following accounts from my file. 

XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance Owed : {$1000.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
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:
Chexsystems has outdated information and per fcra any inaccurate information needs to be deleted immediately. I'm not trying to verify but validate the validity of its claims. I need proof where I am obligated to their claims. Untill then reporting otherwise is considered fraud. XXXX XXXX XXXXXXXX XXXX report need validation.

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 2023-07-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi again, I've sent multiple dispute requests to Trans Union to report accurate information on my consumer report according to the law. This has been going on for over 60 days. I am so stressed. I can't sleep, and I am mentally exhausted with how this is effecting my mental health and well being. 

TransUnion must stop breaking the following laws and remove the inaccurate bankruptcy reporting they have on my consumer report. 

Look at the letter I received from XXXX XXXX. I did not contact them but they wrote me a letter admitting they engaged with the data source and they did a complete investigation of the disputed item and they verified as accurate. Show me the dispute request from me? 

TransUnion claimed that the data was verified as accurate from XXXX XXXX. Ok, how can it be accurate when I have a notice from the Bankruptcy court that I have submitted twice to you saying they don't report to the credit bureaus or any other agencies. 

Also, look on my report, Trans union says that the source is the Bankruptcy court. 
This is inaccurate and must be removed. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

By law you must delete this from my consumer 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 2022-05-24
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX I sent a letter to the company requesting several late payments reporting to my credit to be updated and corrected as well as several inaccurate accounts to be deleted. It has been well over 30 days and I have not received an update regarding this information. Also, I am still showing these accounts being reported to my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: BOK FINANCIAL CORP
State: TN
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:
Colorado Bank State & Trust was our mortgage broker. It is reporting as BNK Oklahoma. When we had to pcs we found tenants right away for the first year. The second year we were struggling to find a tenant. I called into Colorado Bank State & Trust to defer the payment for XXXX and XX/XX/2017. Once we got tenants in I called back and paid XXXX and XXXX in XX/XX/2017. The first amount was for {$2300.00} on XX/XX/2017 and the second amount was {$1500.00} on XX/XX/2017. They reported that I was late making the payment for XXXX and XX/XX/2017. I have disputed the claim that the payments were late through the company several times over the years.

Company response to consumer: Closed with explanation