BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I've been a loyal customer of Chase customer for over 10 years and used a number of their products and services including : Commercial loan on a building Business Bank Accounts Business Credit Cards Personal Bank Accounts Personal Investment Accounts Personal Credit Cards On XX/XX/XXXX, I received a letter from Chase asking that I submit a W-9 form and an SSA-89 form for one of my personal checking accounts and that if I did not, my account would be closed by XX/XX/2022. I confirmed with my banker that this form was indeed from Chase and I sent these forms in on XX/XX/XXXX. 

On XX/XX/XXXX, I visited a local branch to deposit a check and was told my account was " frozen '' and to contact an XXXX number they supplied. 

Baffled, I contacted the number and was told that they did not receive the information requested from me. The agent asked numerous times if I was a XXXX Citizen, which I confirmed. I am, I was born here and lived here all my life. I was told that no additional information could be provided. 

I escalated this and was told by another agent that they did indeed have the W9 form that I mailed in but that I " forgot to include the SSA-89 form ''. Both of these forms were in the exact same envelope that was sent to XXXX on XX/XX/XXXX. I had a scanned copy prior to sending that I showed my local banker. 

Given it was near the end of the month when dozens of auto-pay transactions typically hit my account, I urgently escalated this to my banker and she came by my office the following day to pick up a 2nd copy of both the W9 and SSA-89 so that it could be processed by the bank. I was told it would be resolved the following day. 

Instead, the account vanished from my online banking altogether with my funds seized and inaccessible. I contacted Chase and was told the account was permanently closed, they would not re-open it and that I would receive the money that was in the account in the mail. These funds were received after numerous payments were due and in turn, I had late payments ( with fees incurred ) and late notices that will affect my credit. 

This closing of the account, which to me was done with XXXX prior notice since I had sent everything Chase asked for - twice- with no communication from the bank stating the account would be closed has caused me over {$450.00} in late fees and dozens of hours of time to open new accounts and make payments ( including late fees ) for mortgages, utility bills and credit cards. 

Less than a week later, again with XXXX notice, they froze the funds in my son 's account at the same bank and permanently closed it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I mailed Equifax an identity theft affidavit, police report and other documents to 1 ) verify my identity and 2 ) address fraud that was found on my report. 

Disputes were opened. 2 accounts were not removed even though they were listed on my report. 

I contacted Equifax and informed them the police department had done and that the FCRA required them to remove and block the account within 4 business days. I spoke to a supervisor. The conversation was moving along fine until I questioned why those accounts were not removed. She explained a 30 day dispute process, to which I explained that I had already waited 30 days. I am currently in the process of buying a home and that account was not mine. She said she would submit ANOTHER dispute that would take AN ADDITIONAL 30 days. I explained that was not correct and I did not have an additional 30 days. When she seemed bothered by my questioning, I explained maam this isnt personal. I just have a home I have literally saved 5 years for thats depending on this. Its nothing against you. 

Her EXACT response : Im not upset, Im Chillen! 

Then proceeded to put me on hold for 5-10 more minutes and transfer me into a dead end line. 

This is completely unacceptable and I know my rights under the FCRA. I expect those laws to be adhered to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, 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:
This is my fourth 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 an alleged fraud or extortion XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX FM XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX XXXX ( XXXX XXXX : XXXX RXXXX XXXX  XXXX XXXX XXXX : {$780.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$590.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$510.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXRE XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: MI
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 Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. XXXX 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 XXXX 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 2023-05-03
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:
This is my fourth 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 an alleged fraud or extortion XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX FM XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX XXXX : {$780.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$590.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$510.00} ; XXXX XXXX XXXX  XX/XX/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 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 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 2022-07-15
Company: EQUIFAX, INC.
State: AR
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:
After I received a copy of my credit report and discovering inaccurate and missing information being reported, on XX/XX/2022 I sent letters to Equifax and XXXX about these information and asked them to investigate and remove those erroneous information from my credit report affecting my credibility. But unfortunately till this day I haven't received any correspondence from them in regards to my dispute. I feel my right to fair credit reporting violated and being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The information regarding my employment with the XXXX XXXX XXXX ( XXXX ) is incorrect. I've been employed with the XXXX since XX/XX/XXXX. This information can be seen and verified on my Leave and Earnings Statement ( LES ) the Military equivalent of a pay stub. On my credit report recieved by XXXX it is listed that I have no Employment information and on my report received by XXXX it is reported that I have been employed by the XXXX since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The information regarding my employment with the XXXX XXXX XXXX ( XXXX ) is incorrect. I've been employed with the XXXX since XX/XX/XXXX. This information can be seen and verified on my Leave and Earnings Statement ( LES ) the Military equivalent of a pay stub. On my credit report recieved by XXXX it is listed that I have no Employment information and on my report received by TransUnion it is reported that I have been employed by the XXXX since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: EQUIFAX, 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:
Document submission for complaints : XXXX # XXXX, XXXX # XXXX, EQUIFAX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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: Was not notified of investigation status or results

Complaint:
This was not sent in error i am a consumer by law and my information is missused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of 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 2022-09-17
Company: Bridgecrest Acceptance Corporation
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I was told originally by my local XXXX to mail in paperwork related to my car 's title to get my plates updated for my vehicle as I moved states. I mailed in the paperwork back in XX/XX/XXXX to Bridgecrest, which they claimed for weeks they did not receive, but kept advising me to " keep calling in to check. '' They then recommended I email in the document since that was " much faster, '' with a total processing time of eight ( 8 ) weeks. I emailed my documentation on XX/XX/XXXX and still have not been able to get updated plates for my vehicle. I called into the company 10+ times to get this resolved, trying to understand the issue. Every few phone calls I received a different answer, either from the customer service representative or the " XXXX account resolution team, '' telling me the paperwork was still getting processed by the XXXX XXXX ( who did not take phone calls, so could only be reach by IM or message by various other teams reportedly ) or that someone created the wrong case which was routed incorrectly. Each time, Bridgecrest kept telling me that I had to keep calling in for updates, now way past the eight ( 8 ) week processing time and still without my updated plates. The last update I received was XX/XX/XXXX, as the title received was printed but incorrectly routed, therefore it was taking more time. I asked the representative if they had an estimated time frame for the resolution which they claimed they messaged the mysterious Title Team but after our call, once they receive a response, they would update my account for me so the next time I called in, there would be an XXXX listed. Again, I was told to keep calling back for updates and when I called XX/XX/XXXX, there were no updates and no XXXX listed on the account. on XX/XX/XXXX, they emailed me a sparsely worded letter to potentially bring to the XXXX, where they state they have " requested the XXXX title from their XXXX XXXX and should receive it in XXXX weeks. Once they receive the paper title, they will overnight to the address provided by the customer. '' It has been well over a month since then, still no update and how/why this took since the beginning of XX/XX/XXXX to complete is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: IL
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 did not initiate these inquiries, and I believe they are fraudulent.

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 2023-08-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I got my credit report pulled without my authorization and I have an inaccurate late payment showing on my account which I never authorized.

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 2023-08-10
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I will take further actions if these were not solved as soon as possible.

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 2023-05-03
Company: EQUIFAX, INC.
State: CA
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've complained about identity theft twelve times, and this is the latest. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, consent, or authorization in 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) a statement from the consumer confirming that the information is not information pertaining to any transaction. 
XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX CARD XXXX Balance : {$5600.00}, XXXX CARD XXXX Balance : {$5500.00}, XXXX BANK XXXX XXXX XXXX XXXX {$2900.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1600.00}, XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card
Issue: Other

Complaint:
I accidentally made a payment to the wrong credit card. When I went to call Wells Fargo to cancel the payment I made in error, they told me there was absolutely no way to cancel a payment.

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 2023-08-10
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: 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 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 2023-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 filing a compliant against Bank of America. Bank of America let someone pretend to be in XX/XX/XXXX. I tried to dispute the matter several times. Some odd reason that person hack into my saving and checking account that year to transfer it all into XXXX XXXX. My account was in the negative. Bank of America advised me deactivate my XXXX XXXX and reset my user name and password. Bank of America had issued me a temp credit. After they has done their investigation. Bank of America wanted to reverse the temp credit because my name was on the account. Bank was America had report me XXXX XXXX in XX/XX/XXXX. At first, I had refused to pay for something I didn't do at all. It was hard for me to apply for any personal or business checking account because of this situation. My attorney from XXXX XXXX send a demand letter to Bank of America on XX/XX/XXXX. He gave Bank of America 15 days to resolve the matter, no response from Bank of America yet. Bank of America held me responsible for {$6400.00}. After I paid for something I didn't do. I paid it in full on XX/XX/XXXX. Bank of America told me. I have 5 years to removed from the XXXX XXXX. If I had known, I would not paid a cent. Something I should not done anyway. I request a copy of the policy. They refused. I should not paid for something, I didn't do at all. Please you want removed from the XXXX XXXX. I want my {$6400.00} back and removed from the XXXX XXXX. I have provide them documents. Bank of America ripped so many customers off. Thats why they are constantly being sue for something. Be careful having any accounts with them. Bank of America is the largest bank of crooks.

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