BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act.  The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of  an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national  banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
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 2020-09-22
Company: Square Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have a Cash App account that I tried to transfer {$170.00} from Cash App to my bank. Unfortunately, I typed in the wrong password, so I wanted to create a new password. Cash App stated that I needed to send information to show proof of my identity. I did exactly what they asked me to do. They continued to give me the runarounds, sending an auto-text of needing the information. I'm a college student I got frustrated because I was getting nowhere with them. To make matters worse you can only communicate through email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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: Account information incorrect

Complaint:
This company is reporting inaccurate information on all 3 of my credit reports. I have not been able to resolve this issue with this company. This company has failed to validate this debt. They only re aged the account. I do not have any contract with this company and never did. The debt that they are falsely reporting was paid to the original creditor. I have proof that this debt was paid. I have never had a debt with this company. This has tremendously affected me with finding housing and a job. I have been going to house to house because I can't get approved because of this false debt. I would like this account XXXX {$1100.00} to be removed immediately from all of my credit reports.

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 2020-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America is unfairly holding my funds in the amount of {$1300.00} in retaliation for a previous claim I filed against them. I had my account closed which was also retaliation. I received funds from the XXXX  for a XXXX  that I XXXX  and XXXX  that came in my name which Bank of America at that time had no policy in place For whatsoever and my loan officer from the XXXX told me this himself in fact he explained to me that receiving a grant or loan from the XXXX could be for a multitude of reasons including but not limited to research and development so it would not matter if I used a business account or not to receive those funds as long as I am the personal guarantor as per XXXX  policy. Bank of America and XXXX XXXX ( Bank Manager XXXX XXXX XXXX, XXXX Il ) did not want to honor those terms so I filed complaints with the attorney general, cfpb, fdic and other respective entities and he and his boss ( XXXX ) quickly obliged and released my funds because they knew they didnt have a policy in place but later retaliated by closing my account and now holding my funds. They are now stating after they released the funds to me months ago that I must provide documentation for my business to receive my funds which is most likely from a policy that they adopted after my interaction with them. This is discrimination, retaliatory and egregious at a minimum and I demand my funds be released to me without delay. I filed a claim with Bank of America XXXX XXXX XXXX XXXX was my point person from there resolution department but he never got back to me at all after I left several voicemails. This is a conspiracy to inconvenience me and I intend to seek legal representation and damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate information and unknown things on my credit report to this day it has been over 30 days and I have not received a response yet. I feel like Im being taking advantage of and being ignored of my disputes section 611 ( A ), it is plainly stated that a failure to investigate these issues within 30 days gives a reason to immediately remove those items from my credit report. They should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report  from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited  to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
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:
The information reported on my credit report does not belong to me. I need it removed and permanently deleted from my credit report. I have no knowledge of the information reported on my 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 2023-11-30
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was contacted by my bank, Chime, around XX/XX/XXXX in regards to my name not matching with what the IRS had on file and that I should provide them with a W-9 form as well as my drivers license. I provided them with the documentation a day or two after I received the notice via the secured link they have sent me over email. I contacted the bank later on that week to confirm that they have received the documentation. Customer service took a look at the documents but requested that I re-submit the documents again over the new secured link they provided. While I was on the phone with them, I did such and the representative, XXXX at Chime said that she escalated the issue to the internal protection team and that they were going to contact me over email to update me with my case. In case I do not hear from them, they can be reached at XXXX. I did not hear back from them and I went ahead to contact them over email. The first representative that got back to me responded with an automated message that suggested I submit the documents ( w-9 form and drivers license ) AGAIN prior having my account back in good standing. I angrily did so and waited for them to get back to me within the four allotted hours they mentioned. A day later I received the same email but from another representative, I decided to reply back to the email as it stated such hoping Ill have a direct response from a representative, but I kept getting the same email over and over again from a different team member. I contacted the customer service team again via the app and provided again the same documents even though I just wanted them to confirm my account was back in good standing and that it wouldnt be suspended, they told me thats something the internal protection team will have to confirm because it is outside their jurisdiction, but since I provided the documents, I should hear back from them. I didnt hear back from anyone until these days. I am a XXXX who works in the middle of the ocean every other month and travelling constantly. They suspended my account yesterday and I have been making lengthy phone calls with no response back. The last representative I spoke with yesterday asked again my documents and I did provide those to them, and she said the internal protection will get back to me within an hour as she escalated the issue, I still havent heard from them. Im out here with no cash money and using my credit cards. Any assistance would be extremely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For over a year I have disputed inaccurate information on my report. 
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  This information is misrepresenting my credit profile and stopping me from obtaining new credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: TX
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 XXXXt Account # XXXX XXXX, XXXX XXXX, XXXX XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States I have the rights to privacy.

15 U.S.C. 1681 SECTION 604 A SECTION 2. It also states the consumer reporting agency can not furnish a account without my written instructions to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello. 
I opened XXXX accounts with J.P. Morgan Chase back on XX/XX/2022, there was advertising, that the bonus for opening and fulfilling the requirements would be prompted. 
For opening Saving account, putting XXXX $ on that account in the next 20 days, and keeping the balance for 90 days - XXXX $ in the next 15 business days, I posted the amount they wanted on XX/XX/2022, and kept it until XX/XX/2022, with no bonus until XX/XX/2022, For opening checking, it's been advertised I'd get XXXX $ for Direct Deposit that going to come to my account, and XXXX $ for both. called and wrote to customer service, with no luck in getting anything, they stated, the bonus promo code had not been applied, but I used the link, they gave to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-02
Company: PORTFOLIO RECOVERY ASSOCIATES 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 filed a dispute in regards to the incorrect items on my credit report.It has been well over 30 days and i have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Army and Air Force Exchange Service
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
Account reporting incorrectly, as XXXX  XXXX bankruptcy was filed and discharged in 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 2020-12-17
Company: EQUIFAX, INC.
State: SC
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 have submitted Everything I am supposed to submit 3 times. XXXX  has taken care of everything but Equifax has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: Navient Solutions, LLC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
IN REGARDS TO : NAVIENT, ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, DE XXXX ( XXXX ) XXXX I HAVE SENT A CERTIFIED LETTER BACK IN XX/XX/XXXX AND XX/XX/XXXX AND I HAVE NEVER RECEIVED A RESPONSE OF THE PROOF I ASKED FOR. THE AGENT THAT RECEIVED THE LETTERS HER NAME IS XXXX XXXX. THEY ARE REPORTING ME LATE WITH A MAXIMUM DELINQUENCY OF 120 DAYS FROM XX/XX/XXXX 90 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE AND XX/XX/XXXX 120 DAYS LATE. I HAVE NEVER BEEN LATE ON Y STUDENT LOAN DUE TO THE FACT THAT I HAVE ALWAYS HAD THE ACCOUNT IN FOREBEARANCE OR ON A DEFERRED PAYMENT. IN MY DETAILED LETTERS I REQUESTED FOR NAVIENT WHO IS REPORTING ME LATE MULTIPLE TIMES TO THE CREDIT BUREAUS TO SHOW THEIR PROCEDURES PUT IN PLACE TO VERIFY THESE LATE LISTINGS FOR MY ACCOUNT? I ALSO AKED THAT THEY PROVIDE ME WITH A COPY OF THE ORIGINAL CONTRACT/APPLICATION WITH MY SIGNATURE? ALSO INCLUDED IN MY LETTER I REQUESTED THAT THEY SEND ME DOCUMENTS SHOWING THAT WHAT THEY ARE REPORTING TO THE CREDIT BUREAS IS ACCURATE? IF YOU CAN NOT PROVIDE ME WITH THIS INFORMATION THEN YOU MUST REMOVE THESE INACCURATE LATE PAYMENT LISTINGS AT ONCE. I'M NOT ASKING FOR A BILLING STATEMENT EITHER!!! BUT IM ASKING FOR HARDCORE PROOF I WAS LATE AND BASED ON MY RESEARCH ON THE FTC WEBSITE, I KNOW THAT THEY HAVE STRICT POLICIES WHEN IT COMES TO YOU ( NAVIENT ) REPORTING CONSUMER DATA. I KNOW FOR A FACT THAT NAVIENT BEING THE FURNISHER REPORTING MUST BE 100 % ACCURATE. PLEASE SHOW ME PROOF THAT YOUR REPORTINGS IS 100 % ACCURATE? I WOULD LIKE TO SEE A COMPLETE BREAKDOWN SHOWING THAT MY RIGHTS ARE NOT BEING VIOLATED? ALSO ACORDING TO THE FAIR CREDIT REPORTING ACT ANY FURNISHER THAT WILLFULLY REPORTS INACCURATE INFORMATION WITHOUT TAKING THE NECESSARY STEPS TO FIX THE ISSUE COULD BE IN VIOLATION OF THE ACT WHICH CARRIES A FINE OF {$1000.00} PER VIOLATION. STOP REPORTING THIS WRONG INFORMATION TO ALL THREE CREDIT BUREAUS BECAUSE I AHVE NEVER BEEN LATE AT ANY POINT IN TIME I HAVE HAD STUDENT LOANS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 letters and efforts are being continuously ignored regarding inaccurate and unauthorized items that are being reported on my credit 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 2020-10-05
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My wife and I originally applied for a refinance mortgage through Quicken Loans ( Rocket Mortgage ) on XX/XX/2020 with XXXX XXXX. After a while of no contact, no communications, even after e -mails and phone calls, we finally ended up with a new loan officer,  XXXX XXXX XXXX XXXX He said he would take care of everything. He worked up a new estimate, redisclosure package on XX/XX/2020. He sent me a voicemail on XX/XX/2020 saying all was well and Quicken Loans was going to take my mortgage refinance. That was the last I have heard from him. I have tried e-mail, left messages on his phone, left messages on their message board, left messages in his text messages on his phone. We have contacted client services, who have said he would call back, his supervisor would call back, his director would call back. Nothing has happened. Last Friday, XX/XX/2020, I called and talked to a XXXX XXXX and was told she was in contact with XXXX and he would be calling us shortly, that never happened. We have done everything they have asked, including signing The Intent to Proceed on XX/XX/2929, and yet no communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The month of XXXX and XX/XX/2017 it has reported that i was 30 days late on my payment. I did not have a late payment. XXXX XXXX XXXX is the credit card company.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: TX
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 is incorrect

Complaint:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX account number XXXXPlease investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
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 fraud alerts or security freezes

Complaint:
PLEASE REMOVE ALL FRAUD ALERTS FROM MY CREDIT FILE. 

ALSO, PLEASE UPDATE MY CURRENT EMPLOYER : 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