BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
Under the Chase Covid-19 protection plan they state that any late payments will not be reported. I took this information from their website. On my home equity line of credit they are showing my home equity line of credit worst payment status as 30/60/90 days late when it should say current and in the times section 1 for over 30 days. it states below it should read as deferred. payment history is also stating a late payment in XXXX of XXXX. What's the point of going into this program if they will report late payments on your credit report? Need this changed based on the info below available on their website. 
During the assistance period, well report any delayed payments as deferred, not late or missed. You can get information on your credit score by going to XXXX Mortgage Deferment ( Opens Overlay ) or by calling XXXX at XXXX. Your payment history, including payments delayed under this assistance program, may impact your eligibility for future credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I recently applied for an XXXX XXXX  through JPMorgan Chase-based an invitation from XXXX. I submitted the information, a copy of the driver 's license. Over a period of 7 days, I received information that my identity could not be verified. So I resubmitted the information and again I got the message about my identity not being able to be verified. 
I contacted JP Morgan Chase and they could not explain why such a statement about identity could not be verified. That is critical because I need to know why. 

JP Morgan Chase communicated that it is related to the information that is reported by the credit agencies. I was told that they would escalate this and contact me to discuss their findings. As of today, XX/XX/2022, no has contacted me from chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: Choice Recovery, 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 disputed this a account Choice Recovery, Inc which is an unknown account to me and it is not my debt. I disputed the cle tion account t on XX/XX/XXXX with XXXX, XXXX, and XXXX. I disputed the collection account advising all the credit monitoring reporting agencies that this was n't my debit and it was unknown to me. On XX/XX/XXXX, XXXX had completed there investigation and updated and removed the account from.my file. However, XXXX and XXXX both concluded different results ... both agencies verid account as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
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: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the XXXX and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXXXXXX I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX, XXXX XXXX Date XXXX Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
OnXX/XX/XXXX I sent out a certified letter to XXXX   XXXX which was received by them on XX/XX/ regarding a entry on my credit bureau from United States Bankruptcy Court District of Colorado. My letter was address both this entry and an entry by XXXX County which I already previously filed a complaint about. XXXX XXXXXXXX sent me a report bt mail on XX/XX/XXXX that the results of their investigation was complete. I asked that the entry be validated and copies of all and any documents with regards to this entry be sent to me. I never got a thing. The response came back well beyond the 30 days required by law. I never resided in the State of Colorado and I believe they have me confused with someone else. They still claim they verified the entry and the Court provided the verification which would be untrue. I have provided documentation to support my position. They even have the spelling of my middle name wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2021-07-20
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I closed my Citibank secured card on XX/XX/XXXX due to my card not graduating to an unsecured card. The representative told me at the time that my security deposit of {$200.00} would cover any outstanding charges, etc. I received an email from XXXX that my account was closed voluntarily. However I was made aware that Citibank charged a late payment fee for XXXX when I had already made a payment of {$180.00} on XX/XX/XXXX. THEN they charged me an over the limit fee because of the incorrect late fee. Im already frustrated that they wouldnt graduate my card that I've had since XX/XX/XXXX to unsecured when I never missed a payment! Now they are trying to charge me additional fees to close my account! I believe this is a retaliation method they are using because I am closing my account. I did speak with a representative by the name of XXXX on XX/XX/XXXX who helped me greatly and was able to remove the incorrect fees. She explained to me that the person I spoke with told me incorrect information and everything in detailed to me.

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 2023-11-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit 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/2023, I signed up for a waitlist for tickets to XXXX XXXX XXXX with XXXX. I then canceled the tickets online because my wife discovered she was pregnant in XXXXXXXX. We went through the portal and canceled both of our tickets. Then, on XX/XX/XXXX, we received an email stating that our tickets are " on the way '' ( to be shipped ), despite canceling them while we were still on the waitlist. We raised this issue to XXXX multiple times to no avail and my credit card does not let me dispute the charge. I paid in full for my ticket through an automatic charge on XX/XX/XXXX, and received it later in XXXX. 

Then, we tried to resell the tickets pursuant to XXXXXXXX XXXX policy, which states that XXXX would buy back the ticket if I had paid in full and there was an active waitlist. These requirements have always been satisfied while I've tried to resell my tickets : there was an active waitlist, and there still is, and I had paid in full. However, the online portal did not allow us to complete the official resell process while their waitlist was active and I had paid in full. Several XXXX customer service representatives refused to complete the resell process for us and failed to acknowledge their policy stating that the waitlist tickets could be cancelled or that the shipped tickets could be resold on their portal. 

As of today, XX/XX/2023, there is still an active waitlist, and the online website allows customers to process a waitlist order. Meanwhile, I still can not process my resell ticket after cancelling my ticket XXXX and paying in full for it in XXXX. 

We purchased the tickets under the waitlist and canceled them promptly pursuant to XXXX policy. XXXX then issued us the tickets anyway and refused to allow us to resell them under their own policy.

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2022-12-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
DataX is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 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 2022-12-31
Company: Consuegra & Duffy, P.L.L.C.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Consuegra and Duffy P.L.L.C is in violation of my federally protected consumer rights according to 15 usc 1692e ( 3 ) a debt collector, in collecting a debt, ( Which Consuegra and Duffy P.L.L.C is trying to collect an alleged debt ) may not use any false, deceptive or misleading represent or imply that he or she is an attorney or that communication is from an attorney. 

Further, as per judgement made in the case of XXXX XXXX XXXX XXXX XXXX XXXX, the provisions of the Fair Debt Collection Practices Act applies to attorneys who " regularly '' engage in consumer- debt collection activity, even when that activity consists of litigation. Thereof, as per judgement mentioned herein, your firm is liable as a debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions Inc.
State: WA
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 sent you a debt validation letter more than 30 days ago asking for the credit bureaus to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}. 

I disputed the accounts information as being inaccurate, and these agencies responded by stating they were able to verify this debt. But how is that possible? I have contacted the creditors myself, and they only sent portions of the information requested- this is against 15 U.S Code 1692b ( XXXX ) for sending insufficient validation documents showing only symbols and stuff. Also Under 15 U.S Code Section 1681n Civil Liability for willful noncompliance and 15 U.S Code 1681o Civil liability for negligent noncompliance The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove these accounts

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 2018-01-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I'm on social security and direct deposit and explained what your site say 's about about debt collectors and social security and I explained this to them every time and they keep calling. Two weeks ago they called after XXXX XXXX. And usually they call 2-3 times a week but my phone blocks unknown numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting 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. 
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 non-monetary relief
Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
State: UT
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 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 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 


Account : XXXX XXXX Account number:XXXX Account balance : {$360.00} contact address : XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone number : ( 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 2020-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Dear CFPB, Bank of America fail to give a form to change my minimum payment of {$50.00} in which I do not know why it is {$50.00} because I requested them to assign the credit card for the minimum balance. Online doesn't go thru. My account is being blocked from changing my minimum payment. Bank of America my account and charge me {$39.00} FEE every month. Now, they are taking the {$39.00} + interest fee + the payment. I thought that the situation could be resolved, but as of today Bank of America has not provide me with a way to set up the minimum payment online in computer or in my phone app. Every time I called they advised me to change my minimum payment online and refuse to do it for me over the phone or send a form and online the option is not available. 

Attach is a screenshot of their online form in which it does not include the minimum payment. I want all the fees unfairly charge. 

Thank you for your support CFPB

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