BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-14
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My daughter has a XXXX  checking account that was to be converted to a stand alone account. Chase never separated the accounts and someone gained access to her account through my account. I was a victim of a scam but had no money for them to take. Had chase separated the accounts like we requested they would not have had access to her account. The scammers not only got away with one transaction over her spending limit but two. Per XXXX XXXX XXXX XXXX around XXXX XXXX  she said this is not chases problem. The withdrawals happened XXXX. I called chase within 5 minutes of the problem. I also would like to tell you about XXXX since I was trying to call them when scammed. I called them to advise them of what happened and they informed me that they know about the scam but it is not there problem as well. I question, why is it ok for a company to be aware of a scam attached to there name and not take steps to protect there customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
For the record, there was no response and negative information is being erroneously included on my report, as I have advised you on two separate occasions, more than 45 days and again 5 days ago The investigation took longer than 50 days. This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( a ) As you are well aware, federal laws requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp, No. 95-6445 ( C.D. Cal Nov. 14, 1995 ), you will be liable for your willful non-compliance. Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the XXXX XXXX XXXX Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed for your willful non-compliance : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  CC : State Senate CC : Federal Deposit Insurance Corporation CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints

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 2021-12-16
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: Information belongs to someone else

Complaint:
I have reached out to Equifax and requested information in which I have yet to receive a response. Equifax is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Premium Credit Bureau
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have not applied for no XXXX XXXX anything, these are fraudulent inquries

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
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: Account information incorrect

Complaint:
The lender for my vehicle loan reported that my account was 30-59 days late TWICE. The two months that XXXX XXXX XXXX the finance company ) indicated that my payments were 30-59 days late are : XX/XX/2018 and XX/XX/2018. This is INCORRECT information on my credit reports. I made an agreement with XXXX XXXX XXXX for my monthly car payments to be withdrawn automatically on XX/XX/XXXX of each month. In XX/XX/2018, my payment ( admittedly ) could not be taken onXX/XX/XXXX but instead it WAS successfully withdrawn out of my bank account by XXXX XXXX XXXX and paid on XX/XX/XXXX which is EIGHT days late - NOT thirty days late. 

The payment for XX/XX/2018 was not able to be withdrawn on XX/XX/XXXX but WAS successfully withdrawn by XXXX XXXX XXXX on XX/XX/2018 which made the payment for XX/XX/XXXX 24 days late, NOT thirty. 
Technically, I have not EVER made a car payment 30 days or longer late. Credit acceptance has reported FALSE information to the credit bureaus indicating that my payments for those two months ( XX/XX/2018 and XX/XX/2018 ) were 30-59 days late. That information needs to be  CORRECTED IMMEDIATELY since Federal law states that a late payment can not be reported until it is at least 30 days past due as long as you pay BEFORE the thirtieth day mark which I in FACT DID do for ALL of the months since I first obtained the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: NC
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 has violated my rights. 
Account name : XXXX # XXXX has violated my rights. 
Account name : XXXX  XXXXXXXX XXXX XXXX XXXX has violated my rights Account name : XXXX  # XXXX has violated my rights. 
Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  # XXXX has violated my rights Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX has violated my rights Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) # XXXX has violated my rights Account name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX has violated my rights Account name : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX  XXXX has violated my rights Account name : XXXX XXXXXXXX XXXX XXXX  XXXX has violated my rights Account name : 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 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 2022-01-17
Company: EQUIFAX, INC.
State: GA
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/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
sent validation letters in to the company asking for proof of validation including my signed signature and never got the proof I asked for just that was updated.

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 2023-02-02
Company: WELLS FARGO & COMPANY
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I had an XXXX  loan in XXXX  by Wellsfargo loan and my interest was really high. I was charged a lot of different fees and ballon payments towards the end of my loan. I believe this is a part of the class action lawsuit.

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 2022-10-18
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this dispute for all the inaccuracies on Experian 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 explanation
Consumer complaint received 2022-01-20
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to Mr. Cooper ( NationStar ) in XX/XX/XXXX. They are maintaining an escrow account to pay both municipal property taxes and homeowners insurance. However, since they took over the mortgage loan, they have failed to pay municipal property taxes from the escrow account. 

I have mailed property tax bills and delinquency notices to them on two occasions to the address they provided : XXXX XXXX XXXXXXXX, XXXX, TX XXXX. The most recent items were mailed on XX/XX/XXXX. They have not acknowledged receipt, responded or taken any action. 

I have emailed property tax bills and delinquency notices to them on three occasions to the email address that they provided : XXXX The emails were sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have not acknowledged receipt, responded or taken any action. 

I have called and spoken with individuals in their escrow department on several occasions, including the following : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They open research requests, ask me to email the documents and/or promise to take action and follow up with me. After each of these calls, no action was taken, and no one followed up with me by mail, email or phone call. 

The first missed municipal property tax payment was due on XX/XX/XXXX - {$2800.00}. They took no action to pay it. I finally paid it, along with interest due, on XX/XX/XXXX from my personal funds - total {$2900.00}. Since then, Mr. Cooper has not taken any action to reimburse me or credit my account. 

The next municipal property tax payment is due on XX/XX/XXXX in the amount of {$2900.00}. I have no confidence that Mr. Cooper will take any action to pay this on time ( or at all ) from the escrow account. I intend to check with the city a day or two in advance -- if the amount is unpaid, I will again make the payment from my personal funds. 

Mr. Cooper 's management of my mortgage escrow has been a total and complete failure from the time that they became my mortgage lender. Their customer service department is useless. They do not take any action with respect to requests made by borrowers and do not acknowledge receipt of materials or communicate with borrowers in any way regarding unresolved requests. 

I am hopeful that you can help as I have no confidence in this company to remedy the problem. Thank you very much. 

P.S. Every one of my mortgage payments to Mr. Cooper has been paid in full in a timely fashion through autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Synovus Bank
State: TX
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:
XX/XX/2020 I cancelled my credit card with FIRST PROGRESS CREDIT CARD. The Credit Company continued charging unauthorized usage charges to me made by XXXX XXXX. 
These charges began in XX/XX/2020 to XXXX 2020.I contacted XXXX myself and originally closed the first charge, but they continued. 
I have copies of faxes and also to their Bank involved. FIRST PROGRESS continues to. report all of my account as continued and past due. These reports to the Credit Bureaus are bad. 
I have gone way past my patience with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX XXXXXXXX Balance : {$4900.00} ; XXXX XXXX XXXXXXXX Balance : {$4700.00} ; XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXX XXXX XXXX XXXX : {$4100.00}.

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 non-monetary relief
Consumer complaint received 2022-01-20
Company: ASSOCIATED BANC-CORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I placed an order online using my Asscociated Bank Master Card Debit Card for my checking account on XXXX XXXX 2021, Never received items and filed a dispute with the bank XX/XX/2021, Supplied copy of a letter from the XXXX XXXX XXXX in XXXX, Delaware showing that they found the company closed down, along with other complaints from people with the same problem, I also gave copies from XX/XX/XXXX of an email showing that they havent sent item yet, along with several pages of similar compalint from many people. Tried contacting the Company thru email since that as the only option on the website, and never received response, Associated Bank denied my dispute because they said the company shipped my items on XXXX, XXXX, 2021 with NO PROOF of shipping info, ( tracking number, shipping receipt ), Bank didnt bother to look at the 14 pages of Compelling information showing that the company was a scam, file a complaint and they refuse to revisit the complaint I filed with them, The bank has the worse customer service and the fraud investigation company does not have the customers best interest in mind, Would like the bank to investigate and look at the documents I gave them showing the items did not get shipped on date the scam company says it was

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: CITIBANK, N.A.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hi, In XX/XX/XXXX  ( COVID pandemic started ), I could not make payments on my CITIBANK personal loan. I visited the nearby agency in XXXX XXXX, CA, hoping for assistance, but they directed me to call a specific number. I diligently made multiple calls, enduring over two hours of wait time on each attempt, yet I never managed to speak with a representative. Frustrated by the lack of communication, I decided not to make my loan payment for XX/XX/, hoping that someone from CITIBANK would eventually reach out, allowing me to explain my situation. 

However, XX/XX/XXXX  came and went without payment from me. I resumed making payments in XXXX, but unfortunately, a " LATE PAYMENT '' notation appeared on my credit score due to that missed payment. I have made numerous attempts to rectify this situation by contacting Citibank and disputing it with XXXX, but regrettably, I have not seen any positive resolution. 

Since this incident during the early days of the COVID-19 pandemic, I have consistently honored all my financial obligations on time. I hope you can assist in resolving this matter, as the persistent presence of this " LATE PAYMENT '' on my credit score has significantly impacted my overall credit rating. 

Unfortunately, I have nothing to document this since everything was over the phone or verbally to an agent. 

Thank you. 
All the best,

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 2023-03-14
Company: Experian Information Solutions Inc.
State: NC
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:
Reviewed my consumer reports and noticed I had 18 late payments on an account that I was never late for. I know that Consumer Reporting Agencies have assumed a integral 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 this account ( XXXX ) with account number ( XXXX ). 

Please investigate and provide proof with statements that these payments were late. If proof can not be provided I demand that these payments be updated to On Time as the 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 2023-08-11
Company: EQUIFAX, INC.
State: MO
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief