BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-01
Company: JPMORGAN CHASE & CO.
State: NY
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:
I filed a dispute with Chase around XX/XX/XXXX about {$220.00} charge from XXXX. The reason I filed the dispute is I returned everything in store face to face but XXXX didn't refund me. And I kept the return receipt as the supporting document. Chase got response from XXXX saying they never got my return so Chase asked me to provide the return receipt. This is all acceptable and understandable. I did send the return receipt to the email Chase provided right after they called me. But then they called me saying they still haven't received anything from me. We confirmed the email address again and I told them I would send the email again which I did right away. I also told them to call me back if they still couldn't get it which they didn't. Instead I got a letter from Chase on XX/XX/2019 asking me to provide the document again. I was trying to upload the document through the secure messages but I couldn't due to their website technical problems.Then I emailed again and called the dispute customer service again asking about this. They asked me to fax it. I faxed two times in the morning on XX/XX/2019. Then I also called them to confirm if they receive it or not. Shockingly, they still told me they haven't received anything. On XX/XX/2019, I called Chase dispute service twice. First time the lady told me they still didn't see anything from me but second time another lady told me they got my fax. However, on XX/XX/2019, this guy from Chase called me again telling me they are still waiting for me to provide the document and told me they haven't got anything from me. I am so upset and frustrated with all this inefficient communications. I am the one being cooperative and keep calling them and sending them the documents so many times. But instead of checking through its own process, Chase only knows to call me and keep asking me for the documents that I already provided by fax or email. This is really painful to me and really unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX  XXXX {$46000.00} XXXX XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX {$5700.00}

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
Consumer complaint received 2021-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I took out a cash advance for {$17000.00} on XX/XX/XXXX. This transaction had a 4 % fee cash transaction fee of {$680.00} and came with a promotional rate of 0 % that had an expiration date of XX/XX/XXXX. I have been making payments towards this cash advance periodically and made the last three payments as follows : {$1900.00} on XX/XX/XXXX {$2000.00} on XX/XX/XXXX {$39.00} on XX/XX/XXXX I also took out a new cash advance for {$8000.00} on XX/XX/XXXX with a 0 % promotional rate that expires in nine months. 

From my XX/XX/XXXX statement, I see that my payments have not been applied correctly. I have been charged an interest of {$56.00} calculated at an exorbitant rate of 22.99 % on a balance of {$2800.00}. 

Again, in the XX/XX/XXXX statement, I have been charged an interest of {$160.00} calculated at an exorbitant rate of 22.99 % on a balance of {$8400.00}. 

I have asked the bank to review my account and refund me the {$56.00} plus {$160.00} in interest charges that are not legitimate. Also, I want the bank to confirm I will not be charged any interest on the {$8000.00} cash advance until the expiry of the promotional period. 

I have written a letter to the bank on XX/XX/XXXX and have not had a reply yet. 

I have sent them another complaint as detailed above.

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 2023-10-16
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29
Company: ZARVAD III S.A.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a voicemail from a XXXX XXXX. She left no identifying company that she worked for, but said that she would need me to be available on Thursday at my residence with a valid ID to " sign for certified documentation. '' She gave me a claim number, and a phone number to call the " mediation office. '' The voicemail was threatening in nature, and said that she would be at my home on Thursday with legal papers unless I called the mediation office and they gave her a " stop order. '' I immediately phoned the number that she gave me to the mediation center, and got the voicemail of someone named XXXX. There was no last name, and no identifying what company or entity he works for. I left him a message that they are no longer to contact me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing a request to investigate information that does not belong to me. These items are not correct and they are causing me financial and emotional distress. I have absolutely no knowledge of this account and have sent letters requesting validation to the company, to no avail! The listed information is completely inaccurate and must be corrected.

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 2019-03-22
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX ; Experian and XXXX are reporting incorrectly that I am in 'charge off ' status for the XXXX XXXX ( page 32 of the attached credit report ) partial account number XXXX. I contacted XXXX XXXX at the customer service number and the representative told me they could not locate any records of this account in their system. This incorrect reporting is harming my credit score.

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 2017-09-17
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX XXXX {$400.00} NFCU My now wife and I took a trip to XXXX as to where I would propose to her. During this time I had $ XXXX CL card with NFCU. While we were there, I made a purchase for the hotel room and all was fine, until 2 days later. We decided to stay another couple of days and I attempted to pay for my extra days .... They locked my card completely out of the blue. Because of this happening I now was stuck in XXXX with no money nor gas ... And we had our XXXX kids with us ages XXXX and XXXX. I was forced to drive to a NFCU about 2 hours away to simply provide them a picture of my ID. This happened twice in 3 months where my card was randomly locked and completely frozen. I have been receiving calls threatening to report me in an attempt to collect the debt owed on this card ... If I am correct that is not legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Zarzaur and Schwartz, PC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a collection demand letter on XX/XX/2019 advising me a past due balance had been referred to them for collection. I disputed this debt in writing XXXX copy attached ) on XX/XX/2019. I specifically asked for the original contract agreement, statement of all charges/payments/adjustments regarding this account. On XX/XX/2019, I received another letter from the same firm offering me payment options, after I had already disputed the debt in writing. I also had several phone calls from this firm, which I ignored as I knew I had disputed the debt in writing as required. I received another letter dated XX/XX/2019 where they sent documents pertaining to said account. They only sent a monthly statement, Affidavit of Sale of Account by Original Creditor, Blanket Certificate of Conformity for Notary XXXX XXXX, a Bill of Sale and their Purchase Price Reconciliation/Funding Instructions. I again, sent a letter of dispute dated XX/XX/2019 advising them I still have not received validation of the supposed debt. ( copy attached ). I advised them I was a victim of identity thief and sent copies of my Complaint Referral Form, Internet Crime Complaint Center. I again asked specifically for a copy of the original contract or application, statement of all charges/payments/adjustments regarding this supposed debt. Then, on XX/XX/2019 I received a notice from the XXXX XXXX XXXX XXXX where this firm has now filed a lawsuit against me for a debt I have continually disputed. Then on XX/XX/2019 I receive a package from this firm. ( copy attached ) They sent the same exact items as in their letter of XX/XX/2019. I still dispute this debt. I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Diverse Financial Enterprises
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX : Calls asking for an unknown called on my mobile. 
He does not exists at this number. They refuse to stop calling. 

Their number is XXXX. 
They ask for a person stating that it is a person business matter. Refuse to identify themselves and then finally after I angrily inquire why they keep calling me, they tell me where they are calling from.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: TN
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:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: EQUIFAX, INC.
State: MI
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 complaint is for consumer XXXX XXXX XXXX XXXX, Social I.D . XXXX, address XXXXXXXX XXXX XXXX. XXXX, XXXX XXXX, MI XXXX, phone number XXXX in regards to factual disputes I sent out to Equifax Information Services LLC around XX/XX/2020 and XX/XX/2020. Equifax has failed to provide me with an updated credit rpeurt two times and has violated the Fair credit Reporting Act ( FCRA ) and also failed to investigate my dispute and respond within 30 days from XX/XX/2020 and XX/XX/2020 on my dispute as indicated in the attached letter to this complaint for XXXX XXXX, XXXX, XXXX XXXX. I attached a picture of the letter since the letter was not certified mail I took a picture. On the dispute dated XX/XX/2020, I told Equifax that they were late on my XX/XX/2020 dispute and to delete the information per the 30-day policy laid out under the Fair Credit Reporting Act I also raised additional disputes directly with Equifax asking for an independent investigation under the Fair Credit Reporting Act of the following companies XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Each dispute raised is different and never been disputed they are in violation of the Fair Credit Reporting Act for not responding within 30 days and must delete the accounts the failure to knowing and willingly refuse to delete the accounts is cause for compensation for {$1000.00} per violation. Failure to delete these accounts is cause for a civil action if necessary and waives, null and voids any prior settlements, any and all prior negations, are agreements in this and all matters from prior to this date of XX/XX/2020 here in forward if these accounts are not deleted, within 30 days of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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 submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hello, I seem to have XXXX hard inquiries on my credit report that I do not recall ... 
XXXX is from XXXX XXXX on XX/XX/XXXX and the other from Trans Union on XX/XX/XXXX. 

Please let me know how I can go about it. 

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 2020-07-14
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: Information belongs to someone else

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX XXXX {$46000.00} XXXX XXXXXXXX XXXX XXXX XXXX {$410.00} ASPIRE/DOE XXXX {$5700.00}

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
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-23
Company: Credit Control, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing a complaint against CREDIT CONTROL , LLC XXXX CREDIT CONTROL & XXXX  ACOUNT # XXXX ORIGINAL CREDITOR : XXXX. I wrote to them on XX/XX/XXXX for validation they received the letter on XX/XX/XXXX. They responded back on XX/XX/XXXX past the 30 days. They are non compliance of Federal, State, FCRA and FDCPA violation status on fraudulent extortion. Please have them send me something bearing my signature. I hereby reserve my right to take private civil action against you to recover damages. Here are violations that I will be filing : 1 ) They have " Re-Age '', your account by reporting the date of last activity instead of the date of last delinquency. Protection under the FDCPA Section 807 ( 8 ) fine. 2 ) They have report my credit history inaccurately. Defamation, financial injury. U.S.Court of Appeals, Ninth Circuit, No.00-15946, Nelson vs. Chase Manhattan. Extent of damages incurred by the wronged partly as deemed by the courts. 3 ) Liability : Bryant v. TRW - the Defendant consumer reporting agency unsuccessfully argued that, under 607 ( b ) of the FCRA ,15 U.S.C. 1681 et seq., it was not liable as a matter of law, for the reports it issued in good faith, and as a result of inaccurate information provided to it by Plaintiff 's creditors. the court held that the Defendants was not free from liability when the credit reports at issue was not accurate. Once inaccuracy was determined, defendant 's agency procedures were not determined to be not reasonable to ensure maximum possible accuracy, pursuant. the consumer was rewarded $ XXXX. 4 ) I am also including in the civil suit CRA 's who you pay to keep these items on my credit both you guys refusal to correct information after I ask in the letter that I wrote them and you the accuracy. This defamation, willful injury. FCRA Section 623 CUSHMAN, v TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220. Extent damages incurred by the wrong party, as deemed by the courts. Please provide the name and address of the bonding agent for ( Name Of Debt Collector ), in case legal action becomes necessary : I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I have maintaining a careful record of my communication with you for purpose of filing legal matter

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 2021-01-23
Company: Experian Information Solutions Inc.
State: MA
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 learned on approximately XX/XX/XXXX that someone had used my information to open multiple utility accounts in XXXX Texas, a state that I have never been in my or know anyone, and I learned because I was notified by a credit card I have that my credit score dropped almost a 100 points and then after filling a dispute with experian also learned that my information was likely gained because of their data breach a couple years ago. And now they verified that what I have told them was indeed accurate, I see that instead of completely wiping this fraudulent account off of my credit report, instead they have it listed as a charge off and looks like that I was responsible for it, but the company just wrote it off and showing that it will be on my report until XXXX!! This was a theft and a fraudulent account and it should be erased from my report completely and I am trying to fix my credit and this fraudulent account is effecting my credit drastically! Please see what can be done about removing it completely. Thank you for your attention to this matter.

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 2023-04-03
Company: WELLS FARGO & COMPANY
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank account being deactivated due to fraudulent charges phone 's not being carefully correctly with withdrawals and use of debit card

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