BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
After months of a derogatory account appearing on my credit report, I finally got to the right department of Chase bank that handles this matter. I was notified that this was a Chase XXXX account which I never had. I notified them that I was a victim of identity theft and that this account is unfamiliar to me. As they were unable to locate the account, I requested them to remove it immediately from my credit report. They then found the account ( miraculously ) and told me that there was XXXX charge from an " Aives of maine. '' I explained to the manager that I never had this account or a transaction with this company. They told me I needed to fax and mail them in order to initiate a dispute. I called about XXXX times in a matter of 2 1/2 hours because I was continuously hung up on. They also told me the alleged amount was for {$340.00}. On my credit report they are reporting an amount of {$430.00} charged off. This is not my account and I demanded they remove it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
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:
I have sent a direct dispute via certified mail to the credit reporting agencies, XXXX XXXX AND EXPERIAN on XX/XX/2021 and XX/XX/2021. According to XXXX XXXX XXXX each furnisher must establish and implement reasonable procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. As the direct dispute ive submitted you can see that the furnishing companies are not reporting accurate information. XXXX XXXX XXXX ( XXXX ) states that any information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumers creditworthiness, credit standing, credit capacity should be investigated ... .. considering it has been well over XXXX days, now XXXX days and the credit reporting agencies aren't looking into the matter, I demand the items to be updated on my credit report 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 non-monetary relief
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 15 U.S.C 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of intormation An other adverse Item of information. other than records or convictions or crimes which antedates the reoort ov more than seven vears 15 U.S.C. 1681s-2 ( A 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency iif the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for a Macy 's Amex card to get a discount on a purchase in XXXX and was approved. 
The items purchase were returned and an email on XX/XX/XXXX confirmed a refund had been made 11 days prior to the payment due date of XX/XX/XXXX. I owed nothing for the statement period. 
Today, XX/XX/XXXX, I received notification that payment was late. I checked online and saw I had been charged a {$30.00} late fee on the new statement which closed XX/XX/XXXX. 
I was on hold for XXXX minutes to get a representative, and when I did, she offered to remove the late fee " as a one-time courtesy. '' She was unable to understand that there were no charges owed or late as items had been refunded before the due date ( she was confused by a new statement, closing on XX/XX/XXXX with a payment which is not due until XX/XX/XXXX -- purchase also returned and refund confirmation received on XX/XX/23 -- so nothing is owed, and nothing can be late -- everything having been returned prior to payment due dates ). 
I wanted an email verification that the late fee had been removed so I asked to speak to a supervisor, but after another 15 minutes on hold, I hung up and called a different number appearing on the credit card statement. 
This second agent confirmed the late fee had been removed and that all items show as having been returned and refunded but she said I will not be able to see this correction for 72 hours online.

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 2023-06-16
Company: Experian Information Solutions Inc.
State: NJ
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 2021-11-22
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft my identity was used to obtain goods and property.

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 2018-04-24
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:
On XX/XX/XXXX, I notified the credit bureau that I am a victim of Identity Theft, ( police report, identity and theft affidavit ). I provided the legal documentation required along with identifying information. I requested they remove the following accounts. This information is still reporting. I was first violated when they failed to verify the information and then when they reported it. The original creditor has deleted the account but the collection agency and credit bureau accounts are reporting The credit bureaus and the collection agency has ignored the laws that was set-forth to protect me. It has exceeded the 30 days to investigate and delete the account. 
The companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only address that should be reporting i s XXXX XXXX  XXXX XXXX, XXXX Ga, My Name should be reporting as XXXX XXXX XXXX XXXX No variations and no AKA I did Not authorize the following Inquiries : 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 non-monetary relief
Consumer complaint received 2021-09-30
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Attached below is my request for any negotiable instrument that contains signatures between XXXX XXXX XXXX. Silence is acquiescence, if within 30 days of receipt of this request, the original negotiable instrument along with full material disclosure is not received, further legal action will be taken if Medical Data Systems continues to report to consumer reporting agencies a fraudulent account. 

I have the right to request full disclosure pursuant to the Freedom of Information Act & Equal Opportunity Act. Failure to do so can be seen as fraudulent concealment.

Pursuant to 18 USC 894 ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

A copy of this request has been mailed to the registered agent as well for record of any future legal proceedings that may take place, thank you.

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 2018-12-12
Company: Bonial & Associates, P.C
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I received a Foreclosure notice from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX RECEIVED on XX/XX/XXXX according to the Fair Credit Act I am allowed at least 30 DAYS from the Date Of RECEIPT to respond and they Foreclosed on my home on XX/XX/XXXX that's only 18 days. Fair Debt Collection Practices Act Notification clearly states I have 30 day after RECEIPT of the notice, to dispute the validity of the debt or any portion thereof with XXXX XXXX XXXX, XXXX, or XXXX XXXX. I want the XXXX XXXX XXXX, XXXX, to " Resend '' the foreclosure of my home and give me the protection I deserve under the Fair Credit Act, they violated my " legal right to fair credit ''. 

I have 60 days to dispute a charge. If you catch a billing error on my statement, I have the right to dispute the charge with your creditor, but you have to act quickly. Under the Fair Credit Billing Act, you have 60 days after the bill was mailed to you to report the incorrect charge. The " Foreclosure Bill was mailed on XX/XX/XXXX I still have more days to respond and they have already " Forclosed '' on my home, which is a violation of my civil rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: NC
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 hope you can help me! I sent a letter to the credit bureaus on XX/XX/2023 and haven't gotten a response i would like a reinvestigation! It's still incorrect information on my report! My understanding is 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I will list the accounts below! 


1. Validate Account XXXX  XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. This is a duplicate account XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. This is a duplicate account XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report.

4. The following personal information is incorrect XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

5. This is a duplicate account XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report. 

6. This is a duplicate account XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report. 

7. XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

8. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

9. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

10. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX Account Number : XXXX Please investigate and delete from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
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:
Im accordance with the fair credit reporting act I have some accounts that are in violation of law 15 usc 6802 -Obligations with respect to disclosures of personal information ( b ) opt out states ( 1 ) In general A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 0f this title, that such information may be disclosed to a third party. I never gave or received anything in writing giving permission to disclose public information. If you have no documents stating i gave permission to disclose information please delete this account from my consumer report.

Please delete the following inquiries off my consumer report.They should not be on my report. This agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified. In addition to the violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information from the file of the consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporing agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify the item of information, as appropriate, based on the results of the investigation. : This account is inaccurate showing different information not accurate. Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Failure to respond satisfactorily with deletion of the above reference accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for ; 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance -616.Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed the collection with all three credit bureaus and Regional Acceptance Corp deleted the charge off with XXXX  but didn't follow up and submit the deletion with XXXX  and XXXX. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts  posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account. This delinquent account record is inaccurate. I request that the following account be promptly removed. 

REGIONAL ACCEPTANCE CORP # 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 2023-06-16
Company: Experian Information Solutions 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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or repair the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2017-02-15
Company: DISCOVER BANK
State: MD
Product: Credit card
Issue: Payoff process

Complaint:
I paid my Discover card down to XXXX on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I called to verify that my account was XXXX and that I wanted to close my account. I specifically asked if there was any more charges or interest and was told no. Today, I was told by a lender that a loan request was denied for " serious delinquency '' with Discover. When I called Discover, I was told that because I closed my account in XXXX middle of a billing cycle, interest posted to my account after closing. I was never billed and no one from Discover called me. They told me that they had sent a bill to an email address that had not been active for two years and that I had signed up for e-statements. During the months that I had the account I received paper statements. Interest accrued upon interest for 2 months as well as, late charges. My credit score was lowered. When I was denied for XXXX different loan requests, after disputing the charges with XXXX and having a fraud alert placed on my credit report, ( I thought the Discover account was closed ), I called Discover. While they sympathized that my credit had been harmed and cleared the balance, they refused to correct my credit report stating that it had been reported correctly. 

I did everything right to payoff and close a credit card account including verifying that I owed nothing further. The company confirmed this, yet I now have negative information on my credit report and a lower score and it will be there for several years. This company made no attempt to call me, bill me or contact me to ask why I was n't paying them. I had never been late with them and had that account since the early XXXX 's. Over the years I have paid them thousands of dollars and I feel that they have ruined my credit because I closed my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2023-06-01
Company: EQUIFAX, INC.
State: FL
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My bank called me to inform me that there was three unknown charges on my account. They wanted to verify if it was mine and that was correct it does not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been compromised. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. This is very insane. I have no clue who could of done this to me. Please remove these suspicious items from my report. 

XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$52.00} XXXX XXXX XXXX {$130.00} XXXX XXXX {$3400.00}

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