BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-29
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have had a credit card with Chase ( Freedom ending with XXXX ) since XXXX. I have started having issues with paperless statement option since they introduced that option. I never wanted to have this option since they sent email for every little thing so it is hard to find statement in many email they sent. Many times I go to my credit card websites and make sure that the paperless option is not selected. For this particular bank and card, this option creeps back in time. Numerous times I became a victim of this and ended up paying late fees. For the last 2 years I recall at least two times I called Chase to make sure that I get paper statement mailed to me. Despite all my attempts, the Slate card which I seldom use somehow ended up with paperless option. The balance was about {$10.00} in XX/XX/XXXX. Over couple of months this became {$78.00}. Today I received a call from my mortgage refinance company telling me that my credit score went down about 100 points because of this Chase card. I called Chase, explained my frustration, pay the entire amount and close the account. I asked them to send a letter to me stating that this mishap was due to wrong statement delivery option and customer ( I ) was not aware of the past dues. Initially the person I talked to promised that an email with this letter was on my way. I hangup and waited but no email arrived. I called again and spend over 5 hours of phone conversation with almost all of their different departments. They refused to write such a letter. Here I am with no proof at all became a victim of their system. I can not prove them that I talked to them couple of times over 2 years complaining about the same issue. I can not prove that I made changes on line to make sure they mail statements. They treat me like a liar trying to take advantage of them but they are the one who charge me {$78.00} for {$10.00}. I demand their effort towards fixing my credit score. Because of them I can not refinance my house. Please help me to stop their abusive practices. Many thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I submitted a letter of dispute to TransUnion credit bureau regarding a BANKRUPTCY reporting on my credit report and TransUnion responded with a letter refusing to process my request because they claim that ( MY DISPUTE LETTER APPEARS THAT I DID NOT SEND IT ) See attached letter marked EXHIBIT ''A '' with a copy of the letter from TransUnion marked EXHIBIT ''B ''. Clearly the letter to TransUnion came directly from me, as proof it was from me, I had the letter notarized by a State of North Carolina notary public, presented my driver 's license as proof of my identity, notaries are officers of the state who in my opinion are beyond reproach. There should not be any question as to whether or not this document was provided by me. I sent the request to TransUnion via certified mail, see copy of postal signature card marked EXHIBIT ''C '' received by representative of TransUnion on XX/XX/2022. 

TransUnions frivolous excuse for rejecting my dispute letter is clearly a violation of the Fair Credit Reporting Act. My TransUnion file number is 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 2022-03-11
Company: EQUIFAX, INC.
State: NY
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 in regards with credit inquiries on my credit report, I do not validate these and never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX a company - XXXX XXXX in XXXX, Oklahoma - charged my BOA Visa {$3000.00}. I had made a purchase with that company earlier that year & they kept my card info on file! When I contacted the company they issued a credit on XX/XX/XXXX, but on that same day that amount was charged again! XXXX XXXX said it was a mistake made by my credit card company. They told me it was my problem to deal with ( even though they initiated the problem with the initial false charge ) Over the last 10 months I have made several calls to BOA. The last two reps I spoke with said it was a glitch in the system and the charge would be removed. That hasn't happened. I closed the account, but continue to get billed for the amount plus interest and late fees. It is extremely frustrating as every time I call, I'm always directed to someone new, so I have to begin all over with the history of the problem. They never provide proof of what they tell me regarding the removal of the false charge. I've spent a so much valuable time on this with absolutely no help from this 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 monetary relief
Consumer complaint received 2020-07-16
Company: Radius Global Solutions LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020. Amount {$150.00}. I sent my dispute to the three major credit bureaus regarding this inaccurate information. No response from the companies. Not only is it invalid, reporting medical information is a violation of HIPPA.

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 2020-11-29
Company: CITIBANK, N.A.
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2019-03-04
Company: I.Q. DATA INTERNATIONAL, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In 2015, while I was stationed in Alaska with the XXXX XXXX, I was given a directive by my chain of command and my commanding officer to move from my apartment in XXXX ( XXXX XXXX, where my " debt '' is allegedly from ) after my son was born, to which I gave notice to the apartment complex. 

We moved back onto XXXX XXXX XXXX XX/XX/2015, and my wife successfully closed out our apartment with the staff. 

We have been receiving telephone calls ever since from predatory collection employees, one of whom made threatening statements to my wife over the phone about damaging our credit reports, having 24 hours to pay the amount quoted to her on the phone, often from spoofed area codes mirroring ours.

To this day I have never received paperwork pertaining to this supposed debt, and I PCSed to another state two years ago. 

My credit report is otherwise immaculate, but IQ Data International had other thoughts, I suppose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I was accepted into a forbearance plan on XX/XX/2020 due to the COVID19 crisis. After 30 days I was able to pay in full for XXXX and was current. XXXX XXXX  XXXX a service provider for XXXX XXXX XXXX incorrectly posted that I was 36 days late for XXXX payment even though they stated on a signed document stating they would not report a late status while in forbearance. I had a XXXX credit score going into forbearance had never missing a payment in my life, and yet after an approved agreement stating they wouldn't submit derogatory information, they still destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: SC
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy. 

Accounts in violation : XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX Bank XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1692C Without the prior consent of the consumergiven directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
XXXX, 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My credit card was charged {$24.00} per month by Transunion Interactive from XXXX, 2019 to XX/XX/2019 - a total of 8 times which amasses to a total of {$190.00}. This is a service I never ordered. I have not made any major purchases where I would need my credit report for many, many years. Furthermore, I have not received a credit report from them. My credit card company graciously is disputing the charges for the last three months. The following shows the dates of the charges : XX/XX/2019 - {$24.00} XX/XX/2019 - {$24.00} XX/XX/2019 - {$24.00} XX/XX/2019 - {$24.00} XX/XX/2019 - {$24.00} XX/XX/2019 - {$24.00} XX/XX/2019 - {$24.00} XX/XX/2019 - {$24.00}

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 monetary relief
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name:  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 cannot 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 response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: BROKER SOLUTIONS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been late but not behind, my concerns are : **New American Funding has not sent me requested information showing the months they claim late fees for, I do believe I overpaid the late fees, wired in through my credit union in the month ofXX/XX/XXXX 2018. 
2. I paid XXXX and the claim I was to pay XXXX and have held without applying showing my account as behind, which I disagree with. my last payment for late fees was paid in excess of what was claimed as due, submitted via wire for just the purpose of not being late. 
3. XXXX has put in place transfer from all customers to be able to transfer monies from one XXXX account to another, yet when I tried to pay my mortgage via the transfer numbers to chase for New American Funding, as mortgage lender, On the third time, after phone call from manager at XXXX XXXX I was denied, though I had done so on prior transactions, In each transaction, all of my information was submitted to assist in the application of funds, verified by XXXX employee on the receiving end.. XXXX called and has refused me opportunity to pay my mortgage that way even though it is a chase holding account, causing me to be late when it could have been avoided. 
4. Manager from XXXX called yelling and screaming, for about 15 minutes, to upset me, then he says I need to record the conversation, I asked why the recording was not going all of the time, no answer, I hung up. As result of that conversation, he blocked my future payments to New American Funding, through the holding bank, XXXX as receiving account. ( New American Funding has established with XXXX. 
5. Late payments were taken from my XXXX mortgage payment, and caused my account to look as though it was late without explanation. 
6. I also feel my account is being targeted on a monthly basis, making things much more difficult than it has to be. 
7. I have complained about the amount of time it takes for New Amer. Funding to apply funds, they in turn keep sending me the address to which I should send payments, it is the same place I have been sending, yet they are late every month applying the funds, sometimes two weeks.

I was having a very difficult time at one point and asked XXXX to allow me some assistance or arrangement to have one payment put at the end, I was denied, as was not offered any other form of  solution, very irritating conversation with employee, during the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
In accordance to Fair Credit Reporting act Company, MY rights have been violated my rights. 15 U.S.C 1681 sect 602 A ( right to privacy ) & 604 A- consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ALSO REPORTING INFO INACCURATELY WITH DIFFERENT AGENCIES..LATE PAYMENTS DONT MATCH UP.

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 2023-02-07
Company: EQUIFAX, INC.
State: IL
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:
I have disputed a bankruptcy with XXXX and Equifax twice and they have failed to follow the law. After reviewing my credit report I noticed that there is STILL a U.S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts, The Bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. PLEASE SEE ATTACHED BANKRUPTCY LETTER. XXXX and Equifax is also violating 15 USC 1681b ( a ) ( 2 ) considering they do NOT have my consent to furnish any information. Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumers report. Activity and continuous violations are causing me great injury as XXXX and Equifax is preventing me from receiving credit to support and sustain my family. Public records information is NEVER validated by the Recorder of Deed nor the U.S. Court system due to Fair Credit Reporting Agency PRIVACY LAW. As required by FCRA 611 ( a ) ( 7 ), no information was provided after the 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TrueAccord Corp.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom it may concern, I am writing to delete the following information off my file. The items I need deleted are listed in this report. 
I am a victim of identity theft and did not make/authorize any of the following charges. I ask that these items be deleted to correct my credit report I reported the theft of my identity to the federal commission trade, and I also have enclosed copies of the federal trade commissions identity theft Affidavit. Please delete the following items as soon as possible. Thank you in advance. 

Collections : Name : XXXXXXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX. 
Amount : {$540.00} Fraudulent Accounts : Account Name : XXXX XXXXXXXX XXXX Account date : XX/XX/XXXX Amount : {$540.00} Fraudulent Inquiries : Inquiry Name : XXXX XXXXnquiry Date : XX/XX/XXXX Inquiry Name : XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Personal Loans : Account Name : XXXX XXXX XXXXXXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I maintained an E-Checking account with Bank of America, which is an account without monthly maintenance fees. Without my consent, Bank of America automatically converted this account to a Core Checking account and automatically deducted {$24.00} from my account in monthly maintenance fees ( {$12.00} XX/XX/XXXX and {$12.00} XX/XX/XXXX ). On XX/XX/XXXX I contacted Bank of America XXXX and was transferred to a manager. The manager stated that I " should have been notified '' of the automatic account conversion for all E-Checking accounts to Core Checking account, and therefore would not reimburse the fees, which were deducted without my knowledge. I requested that an official dispute be filed for their company to review, and the manager declined. I requested a ticket number which documented the conversation, and the manager declined.

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