BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-27
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
JP Morgan Chase is fraudulently misreporting account information on my credit reports. 
The account has been CLOSED since XXXX and was reporting as PAYING AS AGREED-ACCOUNT STATUS 01. However, I disputed three late payments because I never paid this account late prior to it being paid off. As a part of my dispute, I requested copies of all documentation related to this account to determine the purported late payments. No documentation was provided which is a violation of the FCRA. 
After I disputed the account, JP Morgan Chase also fraudulently changed the account status from STATUS 01 ( Pays as Agreed ) to STATUS 03 ( 61-90 days late ). This changed occurred in XX/XX/XXXX, five years after that account has  been closed? It should also be noted, I called the number listed on my credit reports for JP Morgan Chase and XXXX XXXX XXXX answered? In addition, JP Morgan Chase 's website states that all student loans were sold to XXXX in XX/XX/XXXX so if these accounts were sold, how is JP Morgan Chase able to make any changes to my credit report. Further, XXXX is not listed on any of my credit reports as the account holder? The following information is listed on my credit reports ; which is also inaccurate, just like their inaccurate account reporting. 

XXXX XXXX Mail Code XXXX XXXX XXXX XXXX XXXX, IN-XXXX ( XXXX ) XXXX Per FCRA guidelines, I am requesting copies of all documentation related to this account to validate these purported late payments. Specifically, the original signed agreement and terms and conditions, explanation of accounting, and assignment Bill of Sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2023-08-05
Company: COMMERCE BANK
State: MO
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:
Sent letters to all three credit Bureaus and Commerce Bank but no actions nor response up yet, Unverified account and inquiries what do not belong to me are listed below is still reporting on my credit report which is a violation of Federal Law. The 3 Credit Bureaus failed to comply with the Federal Credit Reporting Act. I am sending this complaint to ask for your help to remove/update the concerned account listed below that I found inaccurate and unauthorized. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-05
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a call on XX/XX/2019, on my cell phone from COMENITY BANK, looking for MY SISTER, who lives in a different state and has a different last name. 

The caller, " Miss XXXX '' insisted that my name was on my sister 's records as a contact ( false ), and that it was urgent that I give her number to my sister, and that my sister call her before XXXX. 
" Miss XXXX '' called from XXXX. She said her callback number was XXXX, xXXXX. 

I have XXXX their number, and read MANY MANY MANY MANY MANY MANY complaints about this bank, the same number, same callback number, same tactics, and also people saying the bank was calling to reach their sister. 

Here 's one response : " You can thank the internet. They list all sorts of outdated information and people that you know ( even though you never heard of them or met them ). These crooks use that information to scam people. This is a debt collection extortion scam. 
One of the tricks they use is to call your family, friends, neighbors and/or places of employment ( past or present or both ) to create panic and embarrassment so that their intended victim calls them and they can scare that person into paying their extortion money. They often call people that have never even been associated with you because they get erroneous information off of the internet. '' THIS HARRASSMENT HAS GOT TO STOP!!!! 
I spoke with my sister who has a very clean record of payments, has few to no credit cards, and I warned her to get a free credit report to see if this horrible company put something on her report. I will block this company 's number on my phone, and she will do the same. 

PLEASE TAKE ACTION SINCE I AM NOT ALONE!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: Paypal Holdings, Inc
State: KY
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:
Sometime last year, I had an issue with a Venmo transaction that was entirely my fault, but caused my account to be suspended. What happened was I transferred {$35.00} to another account and didn't realize that it was my own account because I forgot and I reported it. My account was immediately frozen and when I attempted to resolve the issue, I could no longer transfer money from my bank account into my Venmo account. Then in XXXX of this year, I legally changed my name for personal reasons, so I decided that since I couldn't fix the old account, I would attempt to create a new account under my new name. It seemed to work, but upon receiving my Venmo debit card, my account was immediately suspended. I have since sent numerous emails about the situation to Venmo 's support team and made numerous phone calls. Venmo has failed to unfreeze my account or allow me to add any bank account because my bank account is tied to the other account and my joint checking account with my husband is tied to his own Venmo account. This issue has been escelated numerous times and yet, I still can not use my Venmo account over a matter of {$35.00}, which I told them I would put back into my Venmo account if they would just allow me to add a bank account. I should not have to open a new bank account just to fix an error that Venmo created. It should absolutely not take more than a year to resolve any issue with a financial institution and Venmo customer service further refuses to allow me to talk to someone who can actually resolve the issue. Their customer support team has put me on hold more than once, often leaving me on hold for 45 minutes to an hour until I eventually hang up and call back in. The support team is rude and completely unhelpful and none of them can actually troubleshoot any issues. They are basically just reading from the same articles the help section on their app gives and not actually doing anything to provide any real support to their customers. Oh, and to top it off, they are still insisting on calling me by the wrong name, even though I submitted correct documentation for my name change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04
Company: EQUIFAX, INC.
State: IL
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 unauthorized inquiries on my credit report that. I informed the credit bureaus via writing to investigate my concerns. I will include the original tracking and letters I sent. With all these data breaches Im not sure what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
New Information Intent to Sue : Please be advised that as of XX/XX/2022 TransUnion has failed to respond to my complaint sent via the CFPB on XX/XX/2022. It is now 7 days past the generously allotted threshold of 30 days allowed by Federal Law and TransUnion has failed to provide any supporting documents and/or PROBABLE evidence that I have any obligation to the mentioned account below. TransUnion has failed to properly reinvestigate and delete the disputed item from my credit file resulting in injury not limited to being declined for new credit, mental anguish and XXXX. I demand that the account be deleted from my credit file. I am requesting an accurate copy of my credit report once the items have been removed. Should TransUnion choose to continue to be willfully neglectful as it pertains to my credit file, I will file a dispute against TransUnion in small claims court seeking remedy for said violation. 
Please see UNVERIFIED account listed below : ACCOUNT : XXXX ACCOUNT 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 2023-08-16
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have 4 collection account with the same credit agency midland credit mangement and they keep playing with the credit amount by either saying I paid {$1.00} and then the next month add a dollar back on like it trying to reset the time of debt. Haven't even talked to these people or responded always dispute online and that on woman within and XXXX XXXX account.plus I closed these account when I moved out of town they where to send final bills for the 4 accounts but instead let it stay open and get late fee charges when I personally called and closed these and ask them for detailed last payment /monthly payments amount /and details of items I bought and the recorded phone call since it was recorded everything I called it should show that I closed ghe acount so how are there fees know all these cards don't make since. I been disputing this since the beginning of the year practically ever month

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I am a bank america customer with close to XXXX on deposit in checking and saving accounts, they refuse to cash my bank of america checks. Reason is I don ; t have a debit card or a cell phone.

I offer 2 goverment photo ID 's I am XXXX yrs old a XXXX  vet, Why do I need a debit card or cell phone to access my money? 
Thank You 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 2023-01-20
Company: Experian Information Solutions Inc.
State: NC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/2012, XXXX XXXX XXXX XXXX XXXX XXXX, NCXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX Balance : {$12000.00}, XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$70.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-01-20
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:
This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
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:
charge late fees before XXXX hours, repeatedly.

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 2022-12-11
Company: Experian Information Solutions Inc.
State: NV
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2022-06-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I realized I have inquiries that I did not authorize or consent to be furnished on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This investigation process has gone longer than 30days and is causing a great deal of financial distress for my family and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
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: Investigation took more than 30 days

Complaint:
This investigation process has gone longer than 30days and is causing a great deal of financial distress for my family and I.

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 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent Transunion a letter requesting that they disclose the method used to retrieve/verify an alleged bankruptcy on my credit report. This was not a dispute but a request to verify the method ; however, Transunion initiated a dispute for this item. 

On XX/XX/2022, Transunion responded noting that the name and person used to verify the bankruptcy was XXXX XXXX XXXX Illinois. 

On XX/XX/2022, I responded to Transunion noting that I went directly to the Bankruptcy Court and in response to my inquiry they claim to have never verified this item with Transunion as they do not report or verify such information. This would mean this bankruptcy is by law considered UNVERIFIED. 

On XX/XX/2022, Transunion responded stating that they've completed the investigation and the dispute item is verified as accurate. 

Transunion has failed to disclose the method used to verify the alleged bankruptcy considering the courts do not verify this information.

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 2018-03-19
Company: ProCollect, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX I contacted Pro Collect to see why they were showing up on my rental history as being owed a debt in which I know I included in my Chapter XXXX Bankruptcy filed case. I filed Chapter XXXX in XX/XX/XXXX in which I have since been discharged from this filing. Once again I contacted Pro Collect and asked why are they still showing that I owe for the XXXX XXXX XXXX and other company by the name of Sure Deposit which was also included in the Bankruptcy. I was advised that my account was restricted and to contact a gentleman by the name of ( XXXX XXXX ) via email. I was giving the email of XXXX and also advised that if and when he returns my call that I would need to answer because he will not call back. Meanwhile, I still did not receive a call back or email in reference to my issue at hand. I contacted the company again on XX/XX/XXXX for a follow up because I have yet to receive a resolution from the first attempt to inquire as to why this debt is still out there when it should indicate it was discharged through bankruptcy. This is causing a hardship on me because I'm trying to relocate and they will not allow me to reside in their dwelling until I show proof that I do not owe this debt to Pro Collect, The XXXX XXXX XXXX and Sure Deposit. I have yet to hear from this company and per the reviews for this company they have horrible service and XXXX XXXX is not a reliable source to handle the issue at hand. Therefore, I will exhaust all avenues until I get this issue resolved.

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 2022-03-21
Company: EQUIFAX, INC.
State: VA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation