BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$720.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance XXXX XXXX  Monthly payment - Last payment date XX/XX/XXXX Additional Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: TN
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/23 I sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the cfbp, federal trade commission, and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I lost my job, and expressed this to Chase many times trying to get them to help me maintain my account. Since XX/XX/2019 - Today, XX/XX/2019, I have been charged 20 NSF / Returned fees. That's {$680.00} total. {$170.00} of that is recurring card transactions. I've paid {$170.00} on little transactions, one of which, for example is {$9.00} razors from XXXX. REALLY? Another {$68.00} is fees on retry transactions where the money STILL wasn't there. Why not just return it altogether instead of racking up fees for me to have to pay? Frustrated, I called Chase today to cancel my card so that they couldn't keep making money off of their predatory recurring transaction fees so that I could get this stupidly high balance paid down. They were unhelpful with trying to assist me with the fees, but they will mail me another card once I bring the account current. I am so frustrated and I'm usually very responsible with my money ... that's why I buy things with my debit card because if I don't have the money, my card will get turned down. It scares me that I have to try and remember every single recurring transaction that MIGHT occur off the top of my head to ensure that Chase isn't taking advantage of my unfortunate financial situation. This is a time in my life in which losing {$680.00} to fees that didn't have to happen is a really really big deal, and I'm so disheartened that there's no kindness in the banking industry. It really is just profit. No one cares when I call and tell them to please help me get out of this. Please stop paying recurring transactions. I don't have overdraft protection on, but they don't care.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-27
Company: EQUIFAX, INC.
State: KY
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 account below has violated my federally protected consumer rights : XXXX XXXX XXXX XXXX, Account # # # # # # # # # # # # # XXXX has violated my rights. 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This account is violating my Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) is a federal law that required the creation of national standards to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge. I did not know, or authorize my medical information be disclosed to anyone for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-06
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I had my existing Account without a true issue for years, recently I needed a new card issued. I asked for the card in XXXX, card was damaged/lost I asked for a replacement card XXXX, XXXX, XXXX, XXXX and XXXX. I have been promised each month the card will be sent. I can not unlock my account without the vvc code on the missing card and I have been charged for late payments when my card company has failed to send the card over the last several months. I have no way of actually tracking the day to day usage as I have no way to access the account without information on a card that I do not have. In a conversation with XXXX, a customer rep, she informed me that there were NO reissues of cards sent out since XXXX. I asked for a supervisor XXXX took the call I explained my frustration for the lack of the receipt of a new card. She said they have reissued the card but she saw no requests being filed for a card in XXXX, XXXX and in XXXX the rep *ID # XXXX never placed a request into the system for my replacement card. They did however, send me a letter stating the account was flagged to be closed for fraud, that never happened and the card also NEVER came. I have a small XXXX chargeable credit limit but the concern is IF they can not manager to reissue a card, one of the simplest of acts, my concerns are WHO are these people handling my account overseas? How secure is the company that has my information and If I did just cancel the card would i be effecting my credit adversely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
For my trading account at the bank, they have locked my ability to access my online profile and get my needed tax information because they claim they need more information that includes what my net worth is, what the phone number of the company I work for is, how I achieved my level of net worth and what the sources were, what liabilities I have, whether I own a house, what date I moved into my house. This is a fishing expedition by the bank to get more information under the guise of security that we use for marketing and other abusive purposes. Im just looking to get my tax information that they never sent me in the mail. Im not even looking to make any trades. The bank is required to provide me with this information. 

The bank has been contacted about this type of thing with its service and hasnt done anything. Whats more : in previous complaints with the CFPB, Bank of America has shown a practice of just always claiming that it needs more time to extend to 60 days in order to review a complaint. The bank doesnt need this time but it just routinely does this to drag things out. Such a thing as lying to the government. In the case here, Bank of Americas frivolous telling of the CFPB that it needs 60 days will cause me difficulty because I need to file my taxes before the deadline.

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 2023-06-08
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: Account information incorrect

Complaint:
I just received my reinvestigation back from Equifax. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 ( 7 ). Because the list of accounts below are not accurate. The high balance, date reported, date last active, closed date, and date of last payment is NOT 100 % accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not modify 100 % or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). I attached a consumer report as evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28
Company: NAVY FEDERAL CREDIT UNION
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX XXXX, 2021 received form Declaration of Loss from Navy Federal Credit Union. The form seeks to make me, XXXX XXXX responsible for the lost check or if someone cashes the lost check. I have documents I like to forward concerning the issue of closing this account. Navy Federal Credit Union has informed me several times to use their security message center. I have informed them again and again and again and again I do not have access to their Secure message center and ask to provide means to use it. Always never a reply. The reason I bring this up is they want me to return the form though their message center or send it through regular mail which takes about a month from my location. I am not pleased that Navy Federal Credit Union tries to make me responsible for a lost check that i never received. They take zero responsibility for the check they issued. Lost, stolen or some one else cash they seek to make me responsible and i will not be responsible for the remitter ( Navy Federal Credit Union ) when they issued the check XXXX XX/XX/2021. No care or concern is shown to the customer from my view point. I have written Navy Federal again and again and again and informed them i have no access to their secure message center still that is one of the ways I am told to contact them. It would be very simple to issue a check send via certified, express, or registered that ways some form of tracking could be done. I am informed to contact them through call in or go to one their offices. The account that was closed I have no ideal what is the account number. All the many many letters written to them i get the same results. No customer help or care or concern. I am happy to end our relationship all they have to do is make a good effort to send me the check from the closed account. That is all I ask. Navy Federal Credit Union informed me the they were MAILING THE CHECK., they did not day they mailed the check. The Declaration of Loss indemnity the 100 % of any responsibility for the lost check that they issued. I am ask to sign a form that I am responsible for a check that I have never received. That I will not do. Resolution simple. Navy Federal Credit Union make best effort to ensure that some form of tracking is done when they issue another check. I would think they have a way to see if the check they issued has been cashed. If it has they seek to make me responsible. This issue has taken much more effort than it should it Navy Federal Credit Union use simple customer service this issue long resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
I hav had a TransUnion credit reporting membership for approximately three plus years. Nevertheless, since XXXX of XXXX, I have stopped getting credit alerts and my account just lies dormant with an occasional credit score change. The only way that Im aware of this is by going into my account via the app. I pay {$26.00} per month for nothing more than a credit score change and to lock my report. TransUnion is just collecting my money without offering me any of the promised services for the account. I have called several times about this and each time I am hung up on when I continue to ask, Why am I not receiving credit alerts about basic information regarding new accounts that have been opened, credit line increases, payment status, credit score updates, etc. In addition, Customer Service is horrendous. Its so bad that it makes me reluctant to even call because the customer service representatives are so unprofessional, incompetent and inefficient.

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 2020-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've disputed this issue with this credit card. It is showing as if it is still open and active. I see last payment is 2017 of XXXX. I did not open this account and have not been sent a copy of original contract with my signature or anything. Now I've been patient with this company. The total of the card is almost {$2000.00} but it is saying right now I've used up {$1300.00}. I need this issue to be addressed. If someone has this card is using it, it is in my name and on my credit report with this account being open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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: Account status incorrect

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account # XXXX 90 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
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: Information belongs to someone else

Complaint:
I've been disputing my credit file with XXXX, XXXX  and Equifax to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint ... ..The 3 credit bureaus reports an inaccurate account that has not been investigated, nor a notice of dispute recorded, This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover my open accounts Payment data history does not coincide on any accounts, XXXX  Last payment does not coincide with XXXX  payment data history, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: AMERICAN EXPRESS COMPANY
State: IL
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 has been non-compliant with removing the unverified account AMERICAN EXPRESS which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that AMERICAN EXPRESS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent numerous letters disputing inaccuracies information on my reports. Most recently I sent a letter on XX/XX/XXXX and I received no response within 30 days. It is now XX/XX/XXXX and I have mailed yet another letter to get the matters resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: Experian Information Solutions 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:
This is XXXX XXXX please 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 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 2021-07-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I've been disputing my credit file with XXXX, Experian and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint ... ..The 3 credit bureaus reports an inaccurate account that has not been investigated, nor a notice of dispute recorded, This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover my open accounts Payment data history does not coincide on any accounts, XXXX  Last payment does not coincide with XXXX  payment data history, XXXX  does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

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 2021-09-02
Company: United Collection Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am XXXX XXXX the natural person, consumer and original creditor submitting this complaint. This organization has contacted me without my direct consent also sent a letter containing numerous consumer violations violations and they have in fact invaded my right to privacy as well as several other violations in a debt collection attempt. Envoking my specified remedy pursuant 15 USC 1692k as a consumer set forth in the attached affidavit of truth also mailed by certified mailed to company I demand that action be taken into resolving this matter within 10 days.

Company response to consumer: Closed with explanation