BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
At the beginning of XX/XX/2023, I called CHASE to remove the authorized users in My CHASE VISA XXXX since it has a very high debt balance. In that call the Customer Service Representative removed most of them except for XXXX XXXXXXXX and told me that I will need to talk to another department to remove XXXX XXXXXXXX. So, I told him I will call in another time. On XX/XX/2023 around XXXX, I called CHASE to remove XXXX XXXX and The Customer Service Representative 's who answered me at that time told me that they will not be able to remove XXXX XXXX from my account because she is a " Primary Card Holder '', so I ask her to transfer me to a Supervisor. The Supervisor XXXX took my call and I explained to her that when I applied for that Credit Card, I was by myself. After a couple of years I ask to add XXXX XXXX XXXXXXXX as an Authorized User but never as a Primary Card Holder. I told her that CHASE made a mistake adding XXXX XXXXXXXX as a " Primary Card Holder '' instead of a " Authorized User '' and they need to fix it. She told me that she can not do anything about it. I asked her to send me the documents where I authorized XXXX XXXXXXXX as a Primary Card Holder or as an Authorized User in my account and XXXX answered me that she couldn't do that. I Ask her to talk to her XXXX because even she was a XXXX, she must have someone over her position and she just answered me that there is nothing she could do about it and that she will hang up. And XXXX just hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXXXXXX XXXX is sending me to collections for an account for XXXX and one for a XXXX XXXX. I have never ever had these accounts or applied for any accounts with either of these companies. I have tried to dispute multiple times through the credit bureau but because the company says they are valid they listen. These are fraudulent charges and created by someone else or they are billing the incorrect person. They do not and should not have my information attached to anything and they will not remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I received a letter from online information services stating that I owed a debt to XXXXXXXX XXXX  On XX/XX/XXXX I called and spoke to XXXX and I explained to her that I had previously received a letter from a different collection agency and that I had paid XXXX XXXX directly and advised the collection agency of that. The agency advised they would confirm and remove the debt from my report, so I was unsure as to way I was receiving this over a year later from a different agency. I advised her I was given a confirmation # when I made the payment. She advised she would sent a dispute to XXXX XXXX, and that it would not yet be reported to my credit profile ( however my confirmation # was not included I the dispute. ) I received another letter from this sane agency dated XX/XX/XXXX stating they contacted XXXX and I owe the balance. I contacted the agency today on ( XX/XX/XXXX ) bc I already paid the balance not only do I have he confirmation # I also have my bank statement showing the amount paid. I was informed to mail my bank statement bc they do not do any electronic correspondence. I then contacted XXXX and was advised that I do not have a balance with them which they'll be email me proof within XXXX of today. But I was informed that the debt has already been reported on my credit altho I was advised it would not be. I feel as XXXX this collection agency purchased my account and have not done what they were supposed to do to verify that I indeed owe this debt had they done so they would know that I don't and would not have reported to my credit report. Although I've explained to them that I have all the proof that this payment was made over ayear ago they are still trying to collect this money from me and now my credit has been negatively impacted. I feel like they lied about the dispute verification to XXXX and the corresponding letter is dated XX/XX/XXXX and I was told that they don't do electronic communications so if this is true how can mail a dispute to XXXX XXXX  on XX/XX/XXXX and with in XXXX business days ( as the XXXX was on a wed ) received a letter back from XXXX and mail a letter to me saying it was still owed. I feel like my hands are tied. Bc even if I mail off my bank report they XXXX still lie and say I owe the debt when XXXX XXXX is saying I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
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: Information belongs to someone else

Complaint:
Back in XXXX I went to look at my free credit reports and found an address in XXXX that was never mine and the person at that location opened an account with XXXX Now for {$6800.00}. I contacted XXXX Now with my complaint and was told to submit an Identity Theft/Fraud report which I did on XX/XX/2021. I was told the item was not changed as a result of their processing of my dispute. The person I spoke to asked me for my SSN I stated I was uncomfortable giving it over the phone so she asked for the last XXXX digits. I gave mine and she stated those are not the ones on file for this person. Someone at the credit reporting agency must have put in a wrong digit which is now causing my entire problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
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: Information belongs to someone else

Complaint:
Identity Theft and fraud occurred on XX/XX/XXXX and on XX/XX/XXXX, which an attempt for an auto loan was fraudulently done, which caused some fraudulent inquiries on my TransUnion credit file. I do not know about the perpetrator who performed this act. I filed a police report with the XXXX XXXX XXXX XXXX, which XXXX XXXX took the report, filed on XXXX with a case number of XXXX. 15 USC 16811b ( c ) and 1681g ( a ) ( 5 ) have been violated as well. The following Inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following Inquiries are still currently reporting on my credit file, Aggravated Identity Theft has been done, pursuant to 18 U.S.C. 1028A Also, I have been at my address for the last 5 years. You are hereby put on notice. Please remove these fraudulent Inquiries immediately or a lawsuit will be filed, seeking damages.

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 2022-02-18
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX2022 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX XXXX {$51.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 explanation
Consumer complaint received 2023-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the Fair Credit Reporting act Capital One Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: FL
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-18
Company: JPMORGAN CHASE & CO.
State: WI
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: Their investigation did not fix an error on your report

Complaint:
Thank you for taking the time to read this. Upon review of my XXXX, XXXX and XXXX credit files I noted 5 payments that are reported as late. I have disputed the late payments already two times and I am sincerely hoping someone there can take a closer look at my file. The payments were, in fact, missed, but prior to me missing the payments, I called every month I was unable to pay and was unable to get through to your company ( XX/XX/XXXX- XX/XX/XXXX ). Out of desperation I joined a debt consolidation company. I was affected by XXXX and tried to get a deferment and couldn't get through and therefore accounts ended up being late. I am hoping you can make the necessary adjustment under the CARES Act. I have been a customer with Chase Bank for both my personal banking and business banking ( XXXX XXXX XXXX ) since XXXX. Over the past few years, I have enjoyed the customer service and financial products you provide and would love to stay a loyal customer. XXXX Account # : XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: ROBINHOOD MARKETS INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My ability to withdraw funds from Robinhood account has been blocked for at least 5 days. I'm able to transfer money in, but not out for some reason. 

I've submitted help tickets and tried to contact the company through social media about this issue, but they've responded with auto replies that say they will get back to me in 1-3 days. We're well past 3 days now and still no updates or actions to restore access to my funds. 

If this isn't illegal, it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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: Personal information incorrect

Complaint:
XXXX. ) My name legally is XXXX XXXX XXXX XXXX Not XXXX XXXX XXXX or XXXX XXXX XXXX. ) I have XXXX address Post Office Box XXXX XXXX  XXXX, Va XXXX Remove all others XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX XXXX. ) My employment is blank. It should be XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: FL
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 received a letter from XXXX XXXX XXXX that they sent a request to Equifax back in XX/XX/2020 to have an incorrect inquiry removed but that same inquiry is still reflecting on my credit report. I sent a request directly to Equifax and recently checked my dispute status and it stated they would not remove it because it needed to stay on my report for 2 years. I was asking to have it removed since the 2 year mark is approaching.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
According to my recent credit report request from XXXX, XXXX, and Experian and there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/XXXX  I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in XXXX  days as stated in XXXX. VIOLATIONS OF CREDITORS VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT XXXX [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED UNVERIFIED PLEASE REMOVE XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX XXXX Account # XXXX CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX XXXX & XXXX Account # XXXX CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX XXXX & XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX DOES NOT BELONG TO ME AND UNVERIFIED XXXX  Account # XXXX Contact Information XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE REMOVE ALL FRADULENT INQUIRES : BENEFICIAL DATED XX/XX/XXXX XXXX XXXXXXXX : DATED XX/XX/XXXX, XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX ALL WERE CREATED BASED ON FRAUD AND POLICE REPORTS WERE SUBBMITTED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: VA
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:
On XX/XX/2022 I purchased a 2022 XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, XXXX At the time of my purchase I already had financing to purchase and without my consent the Sales Manager requested financing, resulting in a hard pull to my XXXX score, with seven institutions that I did not authorize to do so. This was after the conversation between myself and the sales person advising of the financing I already obtained for the purchase of the car. Regrettably, it wasnt until the next morning that I was made aware by XXXX and the other credit reporting systems I use of the inquiries made by XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Bank, XXXX XXXX and XXXX XXXX XXXX XXXX making hard pulls to my credit the previous day. I followed up with XXXX XXXX and they provided me with a letter stating that the inquiries we not accurate and should be removed from my report due to their error. I submitted a request to XXXX through the online website to dispute and less than 24 hours they stated it was accurate and would leave them on my credit report for 2 years. No proper investigation was done nor was I asked or able to provide the documentation to support my request to have those inquiries removed. Today, XX/XX/2022 I called into XXXX to resolve the issue and instead of being assisted I was transferred back to the automated message at the start of the call. Prior to me being transferred back, the representative advised Id speak to a supervisor and that XXXX of the companies had retracted their pull. However their report states otherwise. I requested documentation to show proof of those inquiries being deleted and the representative refused to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: TX
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I've noticed an unauthorized inquiry on my report on XX/XX/2023 from XXXX ( FInance ). According to the FCRA ( Fair Credit Reporting Act ), legally these unverified and unauthorized items must be removed.

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