BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-12
Company: JPMORGAN CHASE & CO.
State: DC
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:
On XXXX XXXX I contacted Chase regarding my credit card payoff amount. I also asked them to adjust the amount to remove two late fees. The customer service representative obliged and provided the amount I would need to pay to bring the balance to {$0.00}. The woman was courteous and professional, and I believed we resolved the matter quickly. 

I logged into my account on XXXX XX/XX/2021 and noticed there was a charge for approximately {$23.00} on my account. I called customer service and spoke with the supervisor. I explained that I received the payoff amount from friends, family, and my retirement account, which is why it was important I obtained the right number for the {$0.00} balance. The supervisor explained to me the customer service rep could not have informed me what the interest charges would be, since they are calculated after the bill close date. I explained to him that I was not expecting an additional charge after the last payment, especially since I specifically asked her to advise me on what I would need to pay to bring the balance to {$0.00}. However, the supervisor informed me it was a valid charge, and he would not credit my account {$23.00}. I asked if there was a way to dispute the charge via writing, or with an escalation team above him. He stated that this was within his purview and he will not waive the charge since it is a valid charge according to policies and procedures. 

I tried several times asking for contact information for someone I can write to, he did not provide any contact information and repeated that he is the last person who will be able to help me, but the company will not waive the charge. I do not have any additional funds to cover this balance, or the {$38.00} late fee I will be charged for not paying by XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-16
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had my identity stolen and that account was opened in my name. I tried to dispute it but the credit bureaus didn't respond and the company didn't respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company reported a false debt to the credit reporting agencies thats not mine. Ive never even lived at the address thats being reported. It caused my credit score to decrease 60 points!!!

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 2018-11-24
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a certified handwritten letter asking for verification and validation of this debt from I.C Systems and have not received any response in over 30 days. I sent the certified letter on XX/XX/2018, section ( 609 ) of the Fair Credit Reporting Act states that I must receive a copy of the original creditor 's documentation showing proof this account is mine. I have not received a response therefore this account has not been verified and should be removed from my credit report immediately.

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 2021-07-06
Company: EQUIFAX, INC.
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:
Filed Credit Disputes to all 3 credit bureaus disputing XXXX XXXX XXXX debt to no avail. Called XXXX throughout the years ( more than 10 years ) trying to get them to get records from XXXX to verify the debt. They continued to advise the debt is valid. Called XXXX and they stated they have no control over XXXX reporting system. 

XXXX is reporting an inaccurate balance of more than XXXX in oppose to less than {$50000.00} from XXXX. 

XXXX is reporting multiple loans on same date which is inaccurate ; never received ; they are also reporting wrong amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions 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 status incorrect

Complaint:
I am XXXX XXXX a first-hand competent witness to these actions. On XX/XX/2022 i brought it to the attention of Experian that the account held by XXXX XXXX XXXX XXXX XXXX was in dispute and that it should be removed from my credit report. Experian continues to cause substantial injury to my person by keeping false and inaccurate information reporting to my credit report causing further harm to my reputation as a protected party under the Fair Credit Reporting Act. Experian 's behavior continues to be abusive, and it has already begun taking its toll on me mentally. 

Experian has reported back to me alleging that the account has been verified and that it has further been updated and that it couldn't be removed. Experian has only one duty and that's to report fairly and accurately and they have failed at doing that. furthermore, Pursuant to 15 USC 1681i, i am demanding a full reinvestigation over the completeness or accuracy of the information contained in my consumer file. Experian has a Duty to me and i expect them to perform the way they are required to perform on behalf of the consumer and the banking system. 

should Experian 's behavior reflect anything other than their duties under the FCRA, this is my formal notice that i intend to file suit against Experian and all its corporate affiliates and be granted what i am entitled to as a protected consumer under the Fair Credit Reporting Act as well as criminally under title 18 for making false statements and interfering in commerce. I may seek to be rewarded the amounts of the account that has been fraudulently reporting from the day it was first furnished along with any damages that have resulted from the harm that has been caused over the years from your illegal reporting. 

This is an official notice. 

You have 5 days to respond.

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 2018-11-24
Company: Experian Information Solutions 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 have been a victim of identity theft.

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 2017-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, two unauthorized out-of-state withdrawals were made against our checking account in the amounts of {$2400.00} and {$4200.00}. We noticed that the withdrawals had been made and contacted the bank ( Bank of America ) on XX/XX/XXXX. The bank gave us a {$2400.00} credit while the fraud is being investigated. We were initially told that the investigation would take 10 to 15 days. Further phone conversations pushed this window to 15 to 20 business days, then to 20 to 30 business days, and then to 30 to 60 business days. We are approaching the 60th business day and still have not been contacted by the bank and still do not have credit for the {$4200.00} transaction.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
PROBLEMATIC PERSONAL IDENTIFIER MISINFORMATION OF mandatory COMPLIANT REPORTING! 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Compliant Misinformation that is all or in part : of adequate status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, OWNERSHIP, certifiable RESPONSIBILITY, or irrefutable compliant obligatory and regulatory compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED, CORRECT, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all claims still yet unproven to be, correct, timely, as being mine, testimonial to be of my responsibility, with FCRA compliance, and/or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physical verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this here and now. Please RETURN to or federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me of physical evidence to every and all aspects of said claims, be them or not.

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 2022-12-13
Company: AAA Collections
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX XXXX ND had turned me over to AAA Collections, XXXX XXXX SD. During the process of debt verifications, they sent me a page with my medical diagnosis. The debt, by the time they contacted me was XXXX XXXX XXXX. And had been turned over to them in XXXX of XXXX. They contacted me in XXXX of XXXX. I did not sign the documents sent to me. And, there was no employee of XXXX 's signature on it as a witness. Also, I did not sign a HIPPA release for them to have any of my medical records, such as my diagnosis/reason for visit. I have repeatedly asked them to dismiss the debt because of following the Fair Debt Collection Act. They keep sending me the same bill. They should not have received the debt in the first place because they were not given permission, and they certainly should not have received my medical diagnosis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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. 
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 2021-09-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted both XXXX XXXX XXXX AND EXPERIAN ( CREDIT BUREAU ) about two paid off auto loans not reporting on my credit report. The two accounts are reporting paid off on XXXX & XXXX but NOT EXPERIAN. XXXX told me that they sent my loan information to EXPERIAN but yet the account never posted to my credit it has been A YEAR OF CONTACTING BOTH COMPANIES BUT NO RESULTS! PLEASE HELP ME GET MY PAID OFF LOANS REPORTED TO MY 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 2018-02-04
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I have submitted a complaint regarding this issue once before a few months ago and it appeared to be resolved at that moment as I was told the collections would be removed and all was settled. Here we are now in XX/XX/XXXX and this same company has placed a collections back on my account under a different collections agency. They are harassing me and hindering my credit and I request this stop immediately. 

The new collection agencys name is : XXXX XXXX XXXX  Original Creditor name : XXXX XXXX XXXX XXXX XXXX Amount : {$2400.00} My original complaint regarding this issue is copied below for reference. 

Hello, so what happened was that I had an account with XXXX XXXX XXXX for Phone, cable and Internet. During the first month of the account, we learned we were being charged for 2-3 extra phone lines which increased our bill dramatically. After complaining about this issue ( and still paying so our service didn't go out ), they did not fix the issue and it persisted. At the start of the second month, my account went into fraud and my account was shut down, this is because the 2-3 extra phone lines that they added on my account were not being used ( for obvious reasons ) and if a phone line/sim is not used for a certain time, your account goes to fraud. I then had to prove to them that I was not committing fraud. They eventually solved the issue but could not renew my account as once it goes to fraud, it can not be opened. My services such as internet, cable and phone were all shut off and I had to go to a public library to even call them and try to resolve the issue. I then talked to someone via online chat box and after much deliberation they attempted to solve the issue and only have me pay what I owed that month which was about {$95.00}. I did pay and it was resolved only for a few days and then the whole account was suspended again due to non payment, this time the payment was well over {$1500.00} as when the account went into fraud, the payment plans I had on my phones were cancelled and they attempted to charge me for 2 brand new phones even though it was supposed to be only one new phone. I do have a copy of a transcript of the conversation I had with the agent and I do have the case # with XXXX in which I tried to solve. I refused to pay this as not only were they over charging me, they weren't even giving me service and charging me for things that were not even there. They would not help me over the phone after I tried multiple times and it came to the point where I had to leave and just find another provided. I refused to pay this amount and I told them why, but they just sent it to collections and thus my credit has been held XXXX since. ATT Case # : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: TX
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX, XXXX, XXXX XXXX I never authorize these inquiries on my credit report. I have no clue what it even pertains to cause I never done business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
My XXXX credit report has absolutely no record of any reporting on my 2 credit card accounts with Capital One. I have made many phone calls to both Capital One and XXXX over the past several months but this problem is still not solved. 

XXXX says that Capital One is not reporting. Capital One says they are reporting. XXXX tells me to contact Capital One. Capital One tells me to contact XXXX. Nobody is willing to take action to solve this problem. 

I wrote a letter to XXXX to dispute my incomplete credit report on XX/XX/2019. They responded by sending me a copy of my credit report. However, I was not requesting a copy of my credit report. Rather, I was disputing the incompleteness of the report. 

By failing to properly respond to my complaint within 30 days, XXXX has violated my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have opened an account in XX/XX/XXXX acting on solicitation from the BMO Harris bank promising {$200.00} opening bonus. The account was opened in the XXXX XXXX, IL branch and when I was asked by the banker for my profession I declared to be self-employed and getting paid by assignments ( copy writing, translation ) etc. 
Subsequently I have received two direct deposits ( XX/XX/XXXX, XXXX and XX/XX/XXXX, XXXX with another one coming this week ) and when I again inquired at the branch I was told that the qualifications were met and the opening bonus will post in XX/XX/XXXX. Last week I called and I was told by BMO Harris employee that the bonus will not be paid since the direct deposit were not payroll or other govt benefits. 
Questions : 1 ) since I am self-employed and getting paid on assignment base why was the mailing directed at me since I wouldn't have qualified, according to BMO 's own opinion on the offer? 
2 ) why the employee at the branch have accepted the offer and reiterated its validity to my situation and why was I informed that the bonus will be paid in XX/XX/XXXX? 

It is apparent that despite meeting the monetary threshold of the direct deposit ( {$300.00} ) the bank doesn't want to honor its own offer suggesting that my deposit wouldn't qualify anyway. It is not only a circular logic argument but it is deceptive with intention to deceive.

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