BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX I purchased a bed sheet set from Amazon and it was not delivered. I am being charged for the drivers refusal to deliver to my home address. I also pay a yearly amount to Amazon XXXX and want monies I paid for that program and want payment returned along with the charges for the sheet set.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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 belongs to someone else

Complaint:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$4900.00}, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$1300.00}, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$1900.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: MI
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 non-monetary relief
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: TX
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:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account.

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I mailed SEVERAL letters to resolve the FOLLOWING ISSUES to ALL CREDIT BUREAUS. All bureaus FAILED to resolve these issues. 

*Reporting the wrong information my EXACT NAME & ADDRESS that appears on my driver 's license. any other names and address are non-mailable & or do Not exist. 
* Reporting Employer information that i Clearly wrote a letter to inform that i DO NOT want my employment information exposed on my credit reports. Credit Bureaus still have it exposed. 
* Reporting over 100 inaccurate discrepancies ALL OVER MY REPORTS. ALL Credit Scores are different. ALL Balances and overpayments or different. 
*Reporting Student Loans information without mu knowledge and consent. Violating the Family Educational Act *Reporting 2 Bankruptcies that i have a letter from the XXXX XXXX House XXXX that the DID NOT give ANY BUREAUS consent nor I GAVE any Consent or no knowledge or sign any consent from Bankruptcy to report on my reports. VIOLATING LAWS AND MY RIGHTS AS A CONSUMER *Reporting 4 charge offs that violating laws. these companies knowingly and willingly reporting charge offs that HAD BEEN PAID AND DO NOT EXSIST according to the laws i attached below. 

THIS HAS CAUSED ME TO BECOME XXXX STRESSED LOST MONEY HIGH INTREST RATES THAT IS NOT NECESSARY. I CAN NOT GET ANY TYPE OF REMEDY TO PUSH FORWARD IN LIFE. IT HAS NOT BEEN FAIR TO ME AND MY FAMILY. AND AGAIN, VIOLATING LAWS AND MY RIGHTS! 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore exists. 

I ATTACH A NOTE ON THE LAWS THA ARE BEING VIOLATED.

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 2023-12-06
Company: Experian Information Solutions 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:
Kindly remove this erroneous account from my records.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, I've been noticing for a few years now that XXXX XXXX XXXX has been reporting incorrect account information to the credit bureaus in regard to an auto loan that was paid off in XXXX. I've placed several disputes with all 3 bureaus and the company trying to get this account updated and accurate on my credit report. This account should be paid in full as it was pronounced totaled in a car accident and my insurance company paid the lender XXXX in full back in XXXX. I recently placed a dispute on XX/XX/XXXX with all 3 bureaus and after receiving confirmation that the investigation was complete, I reviewed my credit reports and saw the company is still reporting inaccurate information. As you can see they are reporting different open dates of the account to all 3 bureaus. The date last reported, the high credit amount, the date last active and the date of the last payment are all different dates being reported to the bureaus. I don't understand how none of these dates and amounts line up if they are investigating the account and getting their information from the same company and source? None of this adds up. This account should not even be open. I've heard so many terrible things about this company. XXXX has a history of reporting things inaccurately. I've reviewed the consent order issued by the CFPB and I am a victim. Please delete this account from my credit reports 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 2023-05-26
Company: Experian Information Solutions Inc.
State: TN
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 ACC 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 2023-05-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.

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 2023-04-11
Company: EQUIFAX, INC.
State: AL
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. 

XXXX, XXXX XXXX : XXXX, XXXX  : XXXX, XXXX XXXX XXXX XXXX I : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: FL
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 XXXX account # XXXX, has violated my rights. 

15 u.s.c 1681 section 602 A.states i have the to privacy.

15 u.s.c 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$680.00} written off. {$680.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$680.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$500.00} Highest balance {$680.00} Terms - On record until XXXX XXXX Account info Account name XXXXXXXX XXXX  Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$170.00} written off. {$170.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$170.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$500.00} Highest balance {$590.00} Terms - On record until XX/XX/XXXX Account info Account name XXXXXXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$140.00} written off. {$380.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$380.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$440.00} Terms - On record until XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$900.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$900.00} Highest balance {$900.00} Terms 1 Months On record until XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Date opened XX/XX/XXXX Status Collection account. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$6200.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$900.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$900.00} Highest balance {$900.00} Terms 1 Months On record until XX/XX/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 2023-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I want to express my deep concern and report a severe issue I have been experiencing with Bank of America since the end of XX/XX/2023. At that time, my account was abruptly put on hold, and all transactions and payments I attempted were summarily declined without any explanation. 
Despite my numerous calls to Bank of America seeking clarification on the matter, I have been unable to receive a satisfactory resolution. During these calls, I consistently explained that I initiated the transactions in question, yet Bank of America continued to decline them. Shockingly, it was revealed that my account had been blocked by the fraud department, a revelation that came after an extensive and arduous effort to connect with a representative from said department. 
In a conversation with a Bank of America representative in mid-XXXX, I was informed that a letter outlining the situation would be sent to my address. Regrettably, to date, I have neither received the promised letter nor received any communication from the fraud department. Meanwhile, Bank of America continues to decline transactions on all my accounts, causing significant financial and reputational harm. 
This situation has led to serious consequences, particularly in transactions involving XXXX XXXX. Transfers I initiated were inexplicably declined, leaving me in a perplexing situation where I am receiving notifications from XXXX XXXX, through emails and letters to my address, demanding payment for the outstanding amounts. As a result, I find myself in a precarious position with other service providers who perceive me as unreliable and dishonest due to these declined transactions. 
I hold Bank of America responsible for the extensive prejudices and stress caused by the ongoing situation. The lack of communication, failure to provide a clear resolution, and the subsequent impact on my financial transactions have not only caused significant distress but also created an unwarranted perception of unreliability. 
Again this situation is negatively affecting my financial stability and reputation and causing me a lot of prejudice

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 2023-09-27
Company: EQUIFAX, INC.
State: CA
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 account below violated my federally protected consumers to privacy and confidentiality 15 USC1681. XXXX XXXX XXXX, XXXX XXXX XXXX. account number # XXXX. XXXX XXXX account number : XXXX XXXX  account number XXXX. XXXX XXXX XXXX XXXX account number : XXXX number # XXXX XXXX  XXXX XXXX, XXXX. account number # XXXX. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C.1681 section 604 A. states that also as aa consumer reporting agency can not furnish an account without mt written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states that : no consumers reporting agency may make any consumers report containing any of the following items of information any otehr advanced items of information, othre than records of conviction 's of crime of which antedates the report by more than 7 years. 15 U.S.C1681s- ( A ) ( 1 ) A person shall not furnish any information relating to consumers to any consumers reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: FL
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.

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 2023-09-29
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was provided two gift cards from XXXX as a way of getting cashback from purchases I made in the past. Unfortunately, the gift cards do not work on any purchases I attempt to make online. I double and triple checked that all the fields were inputted correctly, but the purchases still can not be made. 

I attempted to contact American Express about this issue, but the customer service number provided did not have any information on the issue and there was no capability to speak to a live person about this. 

Further, upon researching the issue, it appears to be an ongoing problem with American Express, and the only recourse appears to be contacting the CFPB. 

Attached as evidence is the two gift cards and a screenshot of a XXXX order that could not be placed with the {$14.00} gift card. Please note that the print out of the {$14.00} gift card shows a balance of {$13.00} as XXXX attempted to charge {$.00} to the card during my screenshotted order attempt. 

Thank You.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-26
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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