BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My chase checking account I believe has been duplicated using my information to make another checking account with my same credentials by way of phone. My phone has been hacked several times since XXXX and have even been gang stalked. This past week has been a nightmare because my phone has been hacked in to every day this week. When I checked my bank I noticed a lot of unrecognizable transactions. My another phone was hacked into at the beginning of the summer but hadnt checked my bank account thoroughly. Also a lot of repetitive XXXX transactions that I clearly do not recall. Somebody has been XXXX  themselves a few hundred here and there. The gang stalking begins shortly after they find out that I realized Ive been hacked. Also my car was also hacked into to see my where about I would guess. Theyve intercepted XXXX, XXXX, and I believe XXXX calls Ive made. Ive walked into Chase to ask for printouts and try to explain my situation and staff was zero help or concerned. I went to XXXX several times to replace my SIM and eSIM several times as well with no luck because shortly after they would right into it again. XXXX support send me to XXXX XXXX XXXX XXXX and they were able to help so I came home and hooked up to my XXXX XXXX  and rebooted it myself and speechless as how I could and they couldnt. Maybe they track to see where Im going for phone repair and call and act as law enforcement? Pleas help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX at XXXX EST I booked a room online with XXXX XXXX XXXX XXXX XXXX using my Chase Prime Visa Card for an upcoming stay. I paid the full price for the room, {$310.00}, on XX/XX/XXXX which is both the date I executed the transaction and the date reflected on my receipt from XXXX XXXX. Per the terms on the XXXX XXXX booking page where I executed the transaction on that day : " The full amount of stay will be charged to your credit card immediately ''. 

I was enticed to use my Chase Prime Visa card for this XXXX XXXX transaction based solely on the fact that I had clicked upon, activated, and accepted a " Chase Offer '' which was available to me on my Chase Prime Visa card specifically for making a XXXX XXXX booking. But for this specific Chase Offer, I would not have used this Chase credit card for this particular booking, and would instead have used my XXXX credit card. 

The terms of the Chase Offer in pertinent part read : " Earn 10 % back on your stay at a XXXX XXXX branded hotel when you spend {$100.00} or more, with a {$32.00} back maximum... Offer expires XX/XX/XXXX. Offer valid one time only. Complete payment for your stay must be made by XX/XX/XXXX. '' Though I have clearly fulfilled all the terms of this offer as extended to me and accepted by me on XX/XX/XXXX, Chase is denying the money owed as a statement credit due to whatever the internal processes/ interactions that occur between the merchant and banking entities on the back end of this particular transaction that caused it not to show on my Chase account until XX/XX/XXXX, 11 days after I had paid the full amount for my stay per the terms outlined by XXXX XXXX on the booking page as well as per the terms of the Chase Offer. 

The idea that I, as a nave consumer who has followed all the rules and lived up to all the terms extended to me by both of these multinational corporations, should be penalized for whatever Byzantine processing delays caused this transaction not to filter through to the Chase side until 11 days after I executed this transaction is utterly preposterous. Nowhere in the terms and conditions of the Chase Offer is there any sort of language indicating that any scenario like this might jeopardize the statement credit. 

How far ahead of time would a consumer need to execute their transaction in order to fulfill the terms of the offer in such a scenario? Clearly, its 11 days or more. Is it 20 days? 30? If the consumer needs to execute the transaction 11, 20, 30 or more days before the expiration date in order to receive the statement credit due to them, this needs to be explicitly communicated in the terms and conditions of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. As I stated, I have already given your company quite enough time to investigate the items in question, but I am willing to give you one more chance. If I do not receive results of your investigation within 15 days of receipt of this letter, I will be forced to file suit against your company. I will also be contacting the XXXX XXXX XXXX  and the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
There have been accounts opened under my identity that I did not allow nor request. I am unaware of any of these accounts with XXXX XXXX XXXX on XX/XX/2021 with Experian. I have been a victim of identity theft. The FTC is already beginning an 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 2021-04-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My grandmother, XXXX XXXX, passed away XX/XX/XXXX and I was a POA for her and a co-trustee, surviving through her passing, co with my sister XXXX XXXX. She'd opened the account at wells many years prior and the Trust name is XXXX XXXX XXXX dated XXXX. My mom had passed and the trust docs were updated again. At the time of updating the account, there were several difficulties with Wells recognizing us as co-trustees. We've seen this where the bank doesn't 'like ' to have co-trustees since they fear conflict. Therefore, we decided to keep ourselves as acting POAs. However, we were assured that if death were announced to the bank, then the status would be updated to the co-trustee status which the trust documents clearly express. Wells discovered XXXXXXXX XXXX death on their own and set up a requirement that XXXX and I show up together to update the account as co-trustees, rather than just enter it as shown in the trust docs. Wells pretends they can't do this even though they were given the docs when updating the account name to the trust name, and the trust repeatedly says we are co-trustees of this Wells account, through the passing of XXXX and by her own election in the XXXX update. As well, they pretend they can't do a session where myself and XXXX go to our own respective, nearest branch, and do the update ( which would be appropriate since I live in TX and XXXX in AZ ). They suggest I'd have to be physically present and this is not necessary or appropriate.

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to report inaccurate information on my credit report. The Fair Credit Reporting Act states that by law I can dispute and challenge any inaccurate information on my credit report. 

15 U.S.C. Sec 1681i ( a ) states that if you can not provide proof then the account must be deleted especially when it is inaccurate. I am requesting that this account XXXX XXXX XXXX gets deleted. I contacted the three major bureaus to investigate every piece of information on the account listed below and I still have not had an investigation launched. In addition, in accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX has violated my rights. 

1. 15 U.S.C 1681 section 602 A, states I have the right to privacy : 15 U.S.C. 1681 Section 1681 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 2. 15 U.S. Code 1692b - Acquisition of location information : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and 15 U.S. Code 1692c - Communication in connection with debt collection : ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 3. 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

According to the FCRA the term, investigative consumer report means a consumer report of portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of liking with other with whom he is acquainted or who may have knowledge concerning any such items of information. According to the FCRA 15 USC 1681 everything has to be 100 % accurate. Once again, I demanding this account be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14
Company: AMERICAN EXPRESS COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
This company is reporting on my XXXX report. I disputed this and XXXX said that this was verified as accurate. I did not authorize this. According to 15 USC 1681b ( a ) ( 2 ), I did not give AMERICAN EXPRESS written instruction to pull my report. Please send me proof with my written instruction and signature proving that I gave this company permission to obtain my report. I have a right to privacy. If you cant provide proof it needs to be deleted immediately. I am requesting {$1000.00} for violation of my federal consumer rights. 

Company : AMERICAN EXPRESS DATE OF INQUIRY : XX/XX/XXXX, XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Experian Information Solutions Inc.
State: OK
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:
A few years ago I became aware none of the 3 major credit reporting companies show my XXXX XXXX XXXX XXXX XXXX credit card on my credit reports and it is not being included in my credit score. 
I filed a complaint with CFPB and received a telephone call from a high level secretary informing me they were looking into the matter. 
I never heard back from them and called and left voice messages several times to that secretary to no avail. None of my calls were ever returned. 
As best as I know CFPB closed the complaint and I have nothing saying why. 
I have had this gasoline credit card account since the XX/XX/XXXX and it would be helpful to my credit score to have it being reported. To my knowledge this account should be being reported monthly. As far as I am aware I have never missed a payment or paid late. 
I recently received a promotional offer from them which makes it clear they consider this card to be a credit card. Even my statements indicate this is a credit card. 
It appears that XXXX XXXX is performing all the processing for this credit card yet they do not report to the credit bureaus. 
I would appreciate knowing if there is something that I need to do for this account of mine to be reported to the credit bureaus or if I am under some sort of misunderstanding. 
If they should be reporting yet are not, what needs to be done to have them 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 2023-03-18
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute several negative items listed on my credit report. I recently obtained a copy of my credit report and found multiple inaccuracies that are negatively impacting my credit score. Below, I have provided details regarding each item and the reasons for my dispute. 

XXXX XXXX  Account Number : XXXX Please remove the incorrect late payments from this account, as you can not report this account as updated when nothing has been changed. The same incorrect information is still being reported and nothing has been updated. 

XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove the incorrect late payments from this account, as you can not report this account as updated when nothing has been changed. The same incorrect information is still being reported and nothing has been updated. 

XXXX. Unknown Accounts : I have never had any business relationship with the following companies, and there is no way these accounts belong to me. Please delete these unknown accounts from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Information : There is no record in my possession that the following accounts belong to me. You must remove this inaccurate information from my credit report without any delay : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate these matters promptly and remove any inaccurate information from my credit report. I kindly request a written confirmation of the completion of these actions. 

Thank you for your attention to this matter. 

Sincerely, 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 2019-10-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Filed a claim on XX/XX/XXXX, same day as the transaction appeared on my acct, they provided a temporarily crdit, XX/XX/XXXX they pulled the money out of my acct with no notification or a letter saying they denied the claim, was not aware of anything at all. Had to check my acct 2 weeks later and noticed that my money was gone, called the company and said that there was not an urgency in filing the claim, which I filed it the same day. No one emailed me or call me in regards to a suspicious transaction, I faxed them a letter stating everything again to re-open the case and to get my money back, been with chase bank for years and never got an issue like this. Just trying to get it resolve as soonest possible. Faxed them the letter last Friday XX/XX/XXXX19 to reopen the case. they have my address so the concern of them not sending me the claim letter to notify me, just pulling my money and never send an alert for transactions got me mad, because it was set up to notify me for transactions over {$150.00} how I had it before and I didnt, the ammt was over {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 am in the process of trying to buy a home and everything was going great until my credit dropped almost 40 points because of a said " late payment ''. I was in contact with the company trying to dispute this and they still came back and said it was late. I have the account statement showing that my payments were made. And even if they claim i was late my account as of today stands as current. why can't they just remove the late?

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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03
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:
Please see attached ID theft report and FTC report for three remaining inquires that are fraudulent and not authorized on my credit. 1 ) XXXX XXXX XX/XX/2017 2 ) XXXX XXXX XX/XX/2017 and 3 ) XXXX XXXX XX/XX/2017 thanks these are the remainder of identity theft items

Company response to consumer: Closed with non-monetary relief