BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-27
Company: JPMORGAN CHASE & CO.
State: CO
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:
Ongoing problem since XX/XX/2018, financial institution still says charges are mine after I have filed a police report and followed all of their requirement protocols and steps. They keep changing the contact person on my case, the group I interact with, and now they won't respond to me at all. I even wrote a letter to the bank president, XXXX XXXX @ Chase Bank, and no one has responded. 
Date my card was used fraudulently on XX/XX/XXXX, twice, at two different XXXX XXXX locations, totaling {$590.00}. 
I rarely shop at XXXX, and they failed to look into my account history to see that. I have had this credit card for years, and this customer experience has been absolutely awful. Their last suggestion was to call the stores in question and request the camera surveillance recording - which was impossible since over a year had passed before Chase made that suggestion and stores don't typically keep recording tapes beyond a week or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: MD
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. XXXX  these accounts have violated my rights. 

15 USC 1681 Section 602 A, State I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States A consumer reporting agency can not furnish a account without my written instruction. 

# XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX # XXXXXXXX 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 2018-12-27
Company: WELLS FARGO & COMPANY
State: NY
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: Problem with personal statement of dispute

Complaint:
It has come to my attention that a computer glitches with Wells Fargos software resulted in Wells Fargo mistakenly foreclosing on hundreds of homes over an eight year period ( ref XXXX XXXX XXXX ). During the time period in question I had submitted multiple modification requests that either had not resulted in a modification that would have provided relief during my time of crisis ( ref XX/XX/XXXX MOD Request ) or was simply denied ( ref XX/XX/XXXX XXXX & XX/XX/XXXX appeal ). Its been my argument that I was never provided a fair mortgage relief through a loan MOD, which was supposed to be available to me through my XXXX loan, but was removed as an option at a time when it was most needed. Never the less hardship MOD requests were submitted with unjust outcomes causing failure in maintaining home ownership of the property known as XXXX XXXX XXXX, XXXX Fl, XXXX. With the unfortunate and now predictable demise of Wells Fargos destructive XXXX loan that myself along with millions of other predatory lending victims were subjected to, ( XXXX XXXX XXXX ) the cost impact of such a toxic loan to this day keeps on eating away at its victims financial means in so many different ways. For me know its trying to get on with my life back in order by obtaining a non-destructive home loan at an interest rate that is not 4 points higher than the market demands and being subjected to mandatory PMI that altogether equates to {$400.00} to {$500.00} more a month than what I should be paying had I not ever been duped into such a deceptive loan.

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 2023-01-21
Company: GVA Holdings, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There is a company that I requested a loan from before, after they did deposit money into my account I realized hw high their apr was and paid them in full right the way and stopped business with them. However, just 3 months after on XXXX/2022, that company did deposit funds in my account I think ( I do not look at my account on a daily basis, I am busy and don't have to look when I Know that I am not applying for anything ), after that they started taking money from my account on a 1 week sometimes two weeks basis making it a total of almost {$4000.00} now, putting me in trouble and issues while I am busy taking care of my sick dependent. This means that they used my personal information, including my social to do request something I never authorized. I filed a dispute with my bank but they weren't able to help. so I filed a police report and identity theft. I was promised by the company that they will refund my money, but last time I spoke to them they said that they can only refund money from after the police report. I am planning on suing, but prefer resolving this in a smart manner instead cause I have no time for this. I need my money back including the damaged it caused to my credit report, bank account, delays in purchasing what was important for the house including food on our table. 
I emailed them 5 times with no response, I called them maybe 6 times, every time they say someone ( a supervisor ) will call me back, no one ever did, and every time I call back the representative says that the previous representative requested that someone calls you but the call was never made. ESPECIALLY TIME! MY TIME IS PRECIOUS AND WAS WASTED The company is XXXX XXXX. Address : XXXX XXXX XXXX XXXX, MT XXXX customer service : XXXX Resolution : credit report repair ( loan opened without my authorization ) my money refunded {$500.00} waste of time, energy, health, money, nd credit damage. 
If to go through court, resolution will probably be XXXX XXXX as this is fraud and personal damage and financial impact during crisis

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Attempts to get credit union to send opening documents for new account opened.Account was opened via the web and never received the opening documents.Request paper statements of my account since I opened account in 2017.Supposedly they were using e-statements but I never received statements via the web till I requested them this summer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: LEXISNEXIS
State: NH
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:
We received a notice from XXXX XXXX in regards to my wife 's insurance score having a negative effect on our insurance rates. They use XXXX  and/or XXXX XXXX to determine credit history. ( See attached notice from the insurance company - XXXX XXXX. ) It seems as though there are 4 specific negative factors as outlined by XXXX XXXX. I would like someone to please investigate 1-3 as shown with my questions/responses below?

1. Number of Retail Accounts - I see one maybe two retail credit cards that are currently open on my wife 's XXXX report provided by XXXX XXXX. Are they saying she has too many or not enough? Two retails accounts seems totally appropriate to me. 

2. Lack of information reported on oil company accounts - Our oil company doesn't report to credit bureaus and as such we should not be penalized for this. We pay our oil as a cash price, up-front. We have never had a revolving or installment account with our oil provider. 

3. Number of inquiries with finance companies within last 24 months - The hard inquiries in XX/XX/2016 were done within the same month ( XX/XX/16 & XX/XX/16 ) and as such, those should be counted as one inquiry. In fact XXXX ( the company that XXXX uses for the XXXX ) created a webpage covering this very topic below : https : XXXX Thanks for forwarding this onto the appropriate people at XXXX XXXX , XXXX and/or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX XXXX. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name XXXX XXXX  Account XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX has violated my rights. Or list of inquiries 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 2023-08-10
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the XXXX XXXX  continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: VA
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 sent the Experian credit bureau a XXXX letter to validate the incorrect accounts that is being reported on my credit report. This was on the XXXX of XX/XX/2022 and have yet to receive any response back in regards to the matter. 

the following accounts are XXXX for {$550.00} XXXX for {$5300.00} XXXX XXXX for {$78.00} XXXX {$6600.00} XXXX {$5300.00} 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 2023-08-10
Company: EQUIFAX, INC.
State: LA
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I filed a complaint on XX/XX/XXXX ( XXXX ) regarding Equifax reporting discrepancies on my credit report particularly my score. My first complaint never got resolved so I am filing a second complaint. 
On the actual credit report on page 150 it shows that there is not a bankruptcy however, under ( myequifax.com ) Equifax credit score - ( Hurting Your Score Section ) which was updated on XX/XX/XXXX shows that there is a bankruptcy and delinquency affecting my credit score ( please see Equifax Data 1 and 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Lockhart, Morris & Montgomery Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This account was reported to collections and posted on my credit report as derogatory without the initial company, XXXX. XXXX even contacting me first. I have disputed this account on multiple sites asking for basic information supporting this debt such as but not exclusive to : a copy of the written agreement entitling me to pay the original creditor, a copy of the last billing statement sent to me from the original creditor, a copy of the exact amount from the original creditor before it was sold to a collections company, and a copy of the original creditor writing a statement entailing when the debt became due and when it was being sent to collections. Im requesting documentation that literally proves the accuracy of this debt to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: PA
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:
EQUIFAX is obligated by FCRA to report accurate accounting. Consumer has advised ALL ACCOUNTS AND INQUIRES reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting Equifax to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is NOT asking for an e-oscar report. if EQUIFAX does not have documentation to show these were in fact authorized it must be removed ASAP. SAID company is liable under the SEC to follow certain rules. EQUIFAX commission file number 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  i will be filing form 211 treasury omb forms to audit consumers account. EQUIFAX is securitizing consumer data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.

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 2023-02-17
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are addresses on this report I do not live at.

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 2023-01-21
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I apply for a credit card from Frontier Airlines. They offer me this credit card but they never told me about {$89.00} dollars fee. So, never used the card and I have to pay this money. Unexpected fee?

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 2022-02-21
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was NEVER late on SYNCB/WALMAR account with the account number XXXX. This shows that the Bureaus and the furnisher did not investigate nor responded to my request. This account was not supposed to be late. The payment status does not state any late days that occurred and yet the payment history is showing a 30 Days late? Please update or fix this matter for legal and accurate furnishing.

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 2022-02-04
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Hello, I am writing regarding an old item that is reporting on my credit report. 
It is with GM Financial, in todays environment the auto industry is sparse in selection along with inflation stock shortages it is almost impossible to get a reasonable price or loan. Having items on my report that are working against me is creating unhealthy stress. 
I understand that information may be reporting correctly, but quite honestly this is a jail sentence. I am in credit jail! XXXX has made matters much worse and I am handcuffed when I could be reasonably providing for my XXXX kids. 

I am requesting that at the discretion of GM Financial that they choose to no longer report to the XXXX credit reporting agencies and remove any existing information from my report. 

It is with great appreciation that I ask this. This account is so old and I understand the law but I also understand that GM DOES have the option to opt out of continuing to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: PDQ Services, 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: Account information incorrect

Complaint:
- [ ] in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, 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

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation