BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$6400.00} XX/XX/XXXX XXXX XXXX {$9000.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been trying to access my Credit Reports from XXXX, Experian and XXXX which have not been allowing me to do that lately keeps saying error and there are a couple of things that were settled however not updated because score is still the same

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX has reported my account as paid late 30 - 59 days twice wrongfully : 1. Reported on XX/XX/XXXX a payment status of 30 days and an amount delinquent of {$640.00} my payment was due on the XX/XX/XXXX, I paid and the payment posted on XX/XX/XXXX the amount of {$650.00} and XXXX XXXX processed the payment on that same date. Given that XX/XX/XXXX has 28 days this means that my payment was made and processed on the 28th day and not 30 days or more. By law they should have not reported a payment made before 30 days as a 30 to 59 days late. Now this is reported on all major credit bureaus and XXXX XXXX is refusing to acknowledge and abide by the consumer protection protocols and laws. 

2. Reported on XX/XX/XXXX a payment status of 30 days and an amount delinquent of {$640.00}. my payment was due on the XX/XX/XXXX, I paid and the payment posted on XX/XX/XXXX the amount of {$640.00} and XXXX XXXX processed the payment on that same date. Given that XX/XX/XXXX was a Saturday this means that my payment was made and processed on the 8th but what XXXX did is that they counted the week end and end of business the following Monday and reported my payment to the credit agencies as paid on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I used to have a regular, not XXXX, account with XXXX to make seldom purchases ( once every 2-4 months ) and had never had financial issues with the company ( XXXX XXXX or the bank/Chase ( my debit account was linked to XXXX payment. ) However, beginning XX/XX/XXXX, XXXX started charging my Chase checking account {$25.00} and/or {$30.00} three-four times every month, specifically : in XXXX - XX/XX/XXXX ( {$30.00} ) ; XX/XX/XXXX ( {$25.00} ) ; XX/XX/XXXX ( {$30.00} ) ; XX/XX/XXXX ( {$30.00} ) ; XX/XX/XXXX ( {$25.00} ) ; XX/XX/XXXX ( XXXX $ + XXXX $ ) ; XX/XX/XXXX ( {$25.00} ) ; XX/XX/XXXX ( {$30.00} ) ; XX/XX/XXXX ( {$25.00} ) ; in XXXX - XX/XX/XXXX ( {$35.00} ) ; XX/XX/XXXX ( {$25.00} ) ; XX/XX/XXXX ( {$25.00} ) ; XX/XX/XXXX ( {$30.00} ) ; XX/XX/XXXX ( {$30.00} ) ; XX/XX/XXXX ( {$25.00} ) ; XX/XX/XXXX ( $ XXXX ) ; XX/XX/XXXX ( {$35.00} ) ; XX/XX/XXXX ( {$35.00} ) ; XX/XX/XXXX ( {$35.00} ) ; XX/XX/XXXX ( {$30.00} ). 
I would call XXXX- they would fail to explain the issue but would promise to find out if it was a glitch in the system ( no luck... ) I would call my bank 's ( Chase ) fraud department- they would stop my debit card, issue a new one, credit my account ; then the issue would happen again, and again, and again... 
I called XXXX on XX/XX/XXXX - they refused to explain the reason for these ridiculous charges, but said they would send me a letter by regular mail. On XX/XX/XXXX, I went to the Chase branch in XXXX ( XXXX XXXX XXXX XXXX XXXX, NY XXXX ) - their Russian-speaking representative said they were too busy to help me with that particular issue and also refused to reveal his name when I asked him. 
In the past, Chase would return the money to my account. This time, they first credited my checking account but then reversed the transactions. 
Please help me investigate this fraudulent activity and stop this never ending financial assault ( that affects my financial and emotional wellbeing ) and get the money ( five last XXXX transactions ) back to my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I had filed a previous complaint XXXX. Unfortunately you guys close it too quickly and I didn't get a chance to upload additional information. Citi had asked us to put together additional information which we did. We called them and they have yet to call us back. The " perk '' of this card is to extend the manufactures warranty if you bought it from XXXX. I bought the XXXX XXXX XXXX from XXXX and they are refusing to honor the warranty and looking for any loop hole to get out of honoring this legitimate claim. I have 4 calls into XXXX the manufacture of the camera and all those calls resulted in XXXX saying yes it is covered under the 1 year warranty. Here are additional documents we put together showing specifically that the camera is warranted to operate at depths of 49.2 feet for up to one hour. Citi is hasn't called us back so I am filing this complaint. I find it ridiculously frustrating that Citi keeps acting like this isn't a " water-proof '' camera and shouldn't have been in water. I even attached a XXXX search that shows it is marked as a " water-proof '' camera.

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 2023-07-26
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:
This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct EQUIFAX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : XXXXSEE ATTACHED DOC* To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it. 

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
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:
XX/XX/XXXX, A FAX AND LETTER WAS SENT TO VALIDATE THE THE ACCURACY OF A CHARGED OFF ACCT LISTED ON MY CREDIT REPORT FROM ACCEPTANCE NOW, I REQUESTED THAT I BE PROVIDED WITH INFORMATION AND COPIES BE SENT TO ME THAT WAS USED TO VALIDATE NOT VERIFY THAT THE DEBT WAS OWED BY ME TH THE ABOVE COMPANY SUPPLIED THE REPORTING AGENCY WHEN LISTING THE ACCT ON MY REPORT. PAYMENT HISTORY IS NOT A PROPER FORM OF VALIDATION AND THERE IN VIOLATION OF THE FCRA. XX/XX/XXXX A FOLLOW UP VALIDATION LETTER WAS SENT OUT TO RESOVE THE ISSUE THAT THEY ARE STILL TARNISHING MY NAME AND REPORTING INACCURACIES, I WOULD LIKE THIS MATTER RESOLVED AS SOON AS POSSIBLE BEFORE I HAVE TO TAKE LEGAL ACTIONS.

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 2022-07-12
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX Bank Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX, has violated my rights. 

Bank XXXX XXXX Account # XXXX, has violated my rights. 

Bank XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
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:
XX/XX/XXXX, A FAX AND LETTER WAS SENT TO VALIDATE THE THE ACCURACY OF A CHARGED OFF ACCT LISTED ON MY CREDIT REPORT FROM XXXX XXXX XXXX XXXX NOW, I REQUESTED THAT I BE PROVIDED WITH INFORMATION AND COPIES BE SENT TO ME THAT WAS USED TO VALIDATE NOT VERIFY THAT THE DEBT WAS OWED BY ME TH THE ABOVE COMPANY SUPPLIED THE REPORTING AGENCY WHEN LISTING THE ACCT ON MY REPORT. PAYMENT HISTORY IS NOT A PROPER FORM OF VALIDATION AND THERE IN VIOLATION OF THE FCRA. XX/XX/XXXX A FOLLOW UP VALIDATION LETTER WAS SENT OUT TO RESOVE THE ISSUE THAT THEY ARE STILL TARNISHING MY NAME AND REPORTING INACCURACIES, I WOULD LIKE THIS MATTER RESOLVED AS SOON AS POSSIBLE BEFORE I HAVE TO TAKE LEGAL ACTIONS.

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 2023-12-23
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am writing to formally dispute unauthorized charges and subsequent fees imposed by Barclays Bank on my credit card account. Despite having paid off my account balance in full, amounting to {$17000.00}, on XX/XX/2023, and receiving confirmation from the company that my account was XXXX XXXX XXXX XXXX '' there have been irregularities in subsequent statements that I believe are unjust and require immediate attention. 

Specifically, after settling my account, Barclays Bank levied a minimal charge of {$0.00} and {$0.00} as a " minimum charge fee. '' This fee was not only inappropriate, given that my account was already cleared, but also seems to have been added illegally. Subsequently, the company imposed late fees on this minor charge for XXXX consecutive billing cycles ( XXXX and XXXX ), which appeared on my XX/XX/2023 statement. These additional charges, including late fees and interest, were not related to XXXX XXXX  purchases but were instead linked to the original, unauthorized charge of {$0.00} and {$0.00}. 

Moreover, in XXXX, an additional fee of {$40.00} was added to my account. This fee appears to stem from the initial wrongful charge of {$0.00} and the subsequent late fees, creating a snowball effect of unwarranted charges on an account that was already confirmed as paid in full. 

I contend that these charges are not only unfounded but also represent a concerning practice of imposing fees on a XXXX XXXX. I request a thorough investigation into these charges and immediate corrective action, including the reversal of all unauthorized fees and adjustments to my account to reflect its actual XXXX  status. 

Thank you for your attention to this matter. I await your prompt response and resolution.

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 2023-08-01
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:
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.

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 response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I lease a XXXX  about 2 years ago. At the time of the lease I was told if I want it to buy the car at the end miles would not be an issue. I was also told in case of a total loss I was protected by gap. My car was a total loss because the vehicle was stolen. Bmw is now charging me for excess miles. I was told no matter what miles I had if is a total loss I would not be responsible. I was send a letter stating that the contract I had sign made me responsible for excess miles. I will attach the letter and I will also attach the back of the contract. The wording in no way I would interpret that I would be responsible for excess miles. The wording use is very deceiving and vague.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from 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 explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
We were contacted by Chase that they suspected credit card fraud on our card for {$5.00}. We verified the other purchases by could n't verify that one that they stated originated from XXXX. Our credit card was immediately stopped and they mailed a new credit card to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: Chime Financial Inc
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I submitted a fraud claim regarding 63 transactions that occurred in The XXXX ( I live in The U.S.A. ), almost {$850.00} in fraudulent transactions, they said a provisional credit would be applied within 10 business days if the claim wasn't finalized by then. 

They never did. 

I had to call them back to figure out what the XXXX was going on, they " escalated '' the claim and told me to wait another 3 business days to get the provisional credit, meaning someone LITERALLY wasn't doing their job. 3 business days later, they denied my claim and said it was closed, however the individual transactions say " Still working on it '' with a Closed claim status via the Chime App. Oh, also, they want you, the customer, to print out and fill out by hand all the transactions and charges being disputed/submitted as fraudulent. What the XXXX year are we in, XXXX? 
I tried to get a hold of the claims dept, and got transferred about 3 times until I finally got a Customer Service " Manager, '' she was EXTREMELY rude and kept talking over me and cutting me off, never gave me an answer to my question of " If the provisional credit was supposed to be issued within 10 business days, then why was it never issued? '' I even asked her to put me on hold and go talk to someone in the claims dept, because apparently they literally don't have phones in that dept ( at least, that's what she told me ) and no communication is available via telephone between customer or employees to the claims dept.

Company response to consumer: Closed with explanation