BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-17
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my Chase checking account online on XX/XX/19 via Chase 's secure messaging system, and requested to have the remaining balance sent to me by check for the amount of approximately, {$2100.00}. I was told the check would be sent out within seven business days. I never received the check and recontacted Chase via their secure message system on XX/XX/2019 to inquire on the status of my check. I was told again it would take seven business days until a check would be sent out to me, which I responded that I had already waited well past seven business days. I was then told the next day that I needed to physically go into a Chase branch to fill out a for for Declaration of Lost, Stolen, or Destroyed Cashier 's Check, and have it notarized. I initially refused because my work schedule does not allow me to easily go to any of Chase 's branches. However, I relented after a few days, due to the stress this situation was causing. After going into the XXXX, Virginia Chase branch on XX/XX/19, I waited for service for about an hour before finally speaking with a representative whose name was XXXX XXXX. XXXX told me I would have to fill out the form, and that I would be able to get a new check that day in the branch. However, after filling out all of the paperwork, I was then told that I could not actually receive a check that day, because I had cancelled the account online, and not in a physical store. This seemed absurd to me since I was physically in a Chase bank, and Chase should be able to cancel their own checks, and write their own checks, or so I thought. Regardless, I left after being told I would have my check overnighted to me most likely by Tuesday ( XX/XX/19 ), and that someone would contact me on Monday ( XX/XX/19) - neither of these things happened. Additionally, I contacted XXXX using the business card she gave me on my trip into the branch on the following Saturday (XX/XX/19 ). Her coworker answered her phone and told me she would be busy all day and would not be able to contact me until Monday. I asked XXXX 's coworked if she could inquire about my check, to which I was told she could not, and that I would have to wait until Monday. At this point, I am very concerned that I will not be receiving my funds, which I have been waiting for for nearly a month since closing my account. I don't know if the incompetency of Chase 's checking/mailing system is something that can be fixed, but I am contemplating getting a lawyer if I do not receive my check by the end of this week. I have spent hours on the phone, writing emails, going into Chase 's branch, etc, all for the purpose of trying to get my money back. This is completely unacceptable and I don't know where else to turn from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Solar Mosaic LLC
State: WA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My payment schedule with Mosaic began on XX/XX/2023, with payments of {$640.00} withdrawn every month on the XXXX. From the first payment, Mosaic has claimed the payments were late even though they were on time and the company confirmed that the payments were not late. Despite that, I have been harassed by them every month between 8-10 days after the payment processed with claims of late payments. The latest incident involved a letter I received dated 2 days AFTER I called and they confirmed the payment was not late. It's now been three months and their excuse is " we escalated it ''. It's now been " escalated '' 8 times and still they claim every payment is late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
In the evening of XXXX XXXX, 2021 I purchased a streaming service with XXXX XXXX XXXX ( XXXX ) .The cost with fees was {$71.00} per month. With the purchase was given a 7 day free trial. My service started the XXXX of XXXX in the evening and the paid service was to start the evening of XXXX XXXX, 2021. My first charge was sent thru by XXXX on XXXX XXXX, 2021. Should have started the evening of XXXX XXXX, 2021. I cancelled the service on XXXX/XXXX/2021. XXXX continued to bill me thru XXXX XXXX, 2021. I went to XXXX with no resolution. Then I filed a dispute with CapitalOne to remove the charge for the XXXX 2021 cycle. CapitalOne initially removed the charge then rebilled the charge on XXXX/XXXX/2021. All supporting evidence is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
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:
Equifax has continuously and falsely verified this alleged account. Equifax have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board because Equifax is the only one reporting this alleged item.

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt. 

Also the debt collector is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
( DISCLAIMER : IM NOT A CREDIT REPAIRING AGENCY ITS ME XXXX XXXX. ). These collections are violating my consumer laws and its having a tremendous effect on me due to it violation my consumer laws and reporting inaccurate information on all 3 credit bureaus. Under FCRA law, credit bureaus are supposed to report information 100 % accurate on all 3 bureaus or it must be deleted. I ask for deletions of these accounts due to the credit bureaus not following consumer law. If not I ask for {$1000.00} per violation as it states in my consumer law. These accounts are : XXXX XXXX investments ( XXXX : XXXX ) * reporting on XXXX report ( delete immediately or {$1000.00} per violation ) XXXX XXXX XXXX ( XXXX : XXXX ). 
Reporting inaccurate delete or {$1000.00} per violation XXXX  XXXX ( XXXX ) *reporting on XXXX report and its reporting incorrect information on both reports ( Delete immediately or {$1000.00} per violation ) XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) *is reporting wrong date ( remove immediately ) or {$1000.00} per violation XXXX XXXX ( XXXX XXXX XXXXDate open is reporting incorrect ( Delete immediately ) or {$1000.00} per violation XXXX  ( XXXX ) * Reporting on one report ( delete immediately ) or {$1000.00} per violation I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715,719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST

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 2023-08-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This credit bureau continues report late payments on my credit report from XXXX XXXX XXXX XXXX and XXXX XXXX bank and XXXX XXXX. I have wrote to them on many occasions to remove this inaccurate information. That is a fcra violation of usc 15 1681a ( 2 ) ( a ) ( i ) it clearly states except as provided the term consumer report ( which is my credit report ) does not include a report containing information solely as to transactions or experiences between the consumer ( which is me ) and the person making the report. So I want.these late payments to be removed immediately. I also need.to be compensated XXXX XXXX for this fcra violation tht they have clearly violated..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: OH
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 a victim of identity theft and my personal information was breached. Please review my attached Identity Theft Report from the Federal Trade Commission that was created on XX/XX/2023.

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 2021-12-18
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: Investigation took more than 30 days

Complaint:
Experian never responded to my dispute and it was back in XXXX. I sent them a second letter referencing the first one still no answer it's been way pass the 30 days Please have them delete this account. thanks

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 2020-03-05
Company: Experian Information Solutions 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:
I reached out to you all in XXXX about accounts on my credit that is not mine. This has really become frustrating all Im trying to do is help my mom and this is has become like a stick in the road. Can you please take these accounts from my credit and I will look at other options. XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX IL XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX, XXXX XXXX , DPT ED/XXXX XXXX, US DEP ED. I contact the FTC and local police.

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 2023-08-09
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: Was not notified of investigation status or results

Complaint:
Please delete the following incorrect information from my credit report, it is inaccurate I'm never live in thefollowing addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX, CA XXXX. And the following names are incorrect my name is " XXXX XXXX XXXX XXXX ''. Pleasedelete the following incorrect names : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. Incorrect employer : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX. Also delete the following unauthorized hard inquiries these inquiriesis not belong n to me. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-06-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX XXXX  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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: SYNCHRONY FINANCIAL
State: WI
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:
I ordered an item on swappa on XX/XX/XXXX. The item I received was not the item I ordered the wrong item and the device malfunctioned. It was not new as described and had been repaired with XXXX party parts. I requested to return the item on XX/XX/XXXX. I used PayPal credit as my payment method. I am disputing the purchase with PayPal so I can return the item. PayPal has given the seller to XX/XX/XXXX at XXXX TO RESPOND which they have not. I called PayPal on XX/XX/XXXX to see why XXXX XXXX received any updates or response. They verbally gave me an address and told me to return it but the address has not been verified with the seller. I chatted with PayPal and they told me Not to return the item until the address has been verified with the seller. The seller it seems has not responded. If I do not receive an email with the correct address and is verified to return the item, I can not return something that has not been verified. I want a refund!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-18
Company: Upstart Holdings, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by UPSTART HOLDINGS , INC. d/b/a UPSTART. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act by UPSTART HOLDINGS, INC. d/b/a UPSTART on XX/XX/2021, via email. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by UPSTART HOLDINGS, INC. d/b/a UPSTART adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ), UPSTART HOLDINGS, INC. d/b/a UPSTART is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no idea who MERCHANTS ADJUSTMENT is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. MERCHANTS ADJUSTMENT is indicating that an account with an unknown account number was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized MERCHANTS ADJUSTMENT as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ MERCHANTS ADJUSTMENT } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to MERCHANTS ADJUSTMENT, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citizens Bank Credit Card Fraud Department on XXXX I lost my physical card and someone made fraudulent purchases. The bank contacted me and I told them it wasnt me. Even when I was on the phone someone was trying again the young lady informed me. After that I received a letter telling me Im responsible for those purchases after their investigation. I did not make any of those purchases and Ive been trying to speak to a representative from the claims department for 4 months now. They keep telling me that someone will contact me. The first time they said I have to wait 2 billing cycles. Then they said 14 business days and the last two times I called they told me to wait 72 hours. They said theres nothing they can do and I cant contact the claims department. So Ive been waiting on a call to get this resolved for 4 months now. At this point it feels as though theres nothing I can do l. Ive done my due diligence and Ive contacted them more times than I can count in this time period with not even a call back. I just want my funds back for the purchases I didnt make. Once again this is regarding the CITIZENS BANK CREDIT CARD FRAUD DEPARTMENT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-14
Company: Genesis FS Card Services, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2020 I had a missed {$18.00} credit card payment added to my report that was not late, the dates are inaccurate on all three credit bureaus reports and do match up I've reached out and haven't heard responses back on the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 went through a terrible divorce, had to file bankruptcy as my ex created a lot of debt in m

y name. I have never paid a bill late since then. I do not borrow more than I can afford, etc. Here I am over two and a half years later and a company files on my credit they wrote off/charged off one of the items that was listed in my bankruptcy over two years ago which created a nose dive on my credit report. I called Trans Union and filed an online dispute. The person on the phone said they can see and I filed it under the wrong category. They did nothing and didn't fix it allowing a charge off to be reported monthly on my credit report for the last two months that was included in my discharged bankruptcy. I am so tired of these credit reporting agencies using automation and not caring about the affect they are having on individuals lives.

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