BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
To the CFPB I'm submitting this complaint against Chase Bank NA, because this bank and or collection agency actually violated federal laws, FCRA, FTC. I have made contact by phone to ask them to validate these accounts. 
I was not aware of a legal action against my person back in XXXX  This collection agency acted unlawful by summing this action to collect two accounts that someone, with out my permission, was opened at Chase Bank. I need a full investigation on my behalf. I'm over 55 years of age and considered a senior citizen. 
This account was never validated. Under federal laws, I need all documents when this account was open. I understand that Chase Bank closed this account because of fraud. I am in need of the whole application and documents to be able to validate this account. 
1 application 2 first day of delinquency 3 payment history 4 history of reporting to credit bureau 5 assignment of sale from__________ to?

6 a break down of interest and fees 7 legal fees if applicable 8 name of the judge on the default judgment if applicable 9 bar number from the lawyer that submitted the complaint if applicable 10 collection agency number to collect in my state.

11 ACCOUNT # ___________________

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: ProCollect, 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: Problem with personal statement of dispute

Complaint:
Procollect XXXX XXXX @ XXXX has not responded to my request to clarify what the XXXX is for! Ive been trying to resolve this issue for over a year and no response! I am now being told to contact XXXX XXXX at procollect through email which I have and again no response!! XXXX tired of this matter Im tired of the harassment from them to collect I followed their process and still no response! I want this removed from my credit reports all of them or they need to contact me with a resolution!!! They need to stop harsssing me Im a XXXX XXXXXXXX XXXX with XXXX XXXX XXXX so either help me investigate procollect or remove this debt from my credit reports!!! Also these people are very rude and disrespectful every lady one of the reps!!!

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 2023-10-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
So last Tuesday XX/XX/2023 someone logged into my account and added XXXX recipients to my account and was able to XXXX {$1000.00} to someone else account. When i seen it on my account i called Wells Fargo. They created a fraud claim and only did an investigation for 3 days. I called and provided the police report number and other information that was needed to help with the claim. They didnt review any of the information that was sent and denied my claim. The reason they provided for denying the claim was because i had not changed my password and they feel like me or someone i know made the transfer. After me steady explaining to them that i didnt know the people and i filed the police report. And the police stated that Wells Fargo wont speak with them. Not they wont give me the money back i need assistance getting the money that was taken from me back. Can someone please help.

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 2023-09-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: GA
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:
CFPB CASE NUMBER XXXX THE CREDITOR DID NOT RESPOND TO MY COMPLAINT WITHIN THE 30 DAYS AS REQUIRED BY LAW.

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 2023-07-13
Company: Experian Information Solutions Inc.
State: NJ
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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: Investigation took more than 30 days

Complaint:
I submitted a complaint 44 days ago which is over the 30 day investigation response period. Im demanding that the account mentioned in the original complain is removed from all 3 credit bureau reports immediately due to company violating consumer federally protected rights. 

15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 :

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 2023-09-30
Company: DISCOVER BANK
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Did not give permission for Hard inquiry. Please remove now. 

XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have reached out to Transunion over 20 times through the last 30 days between phone calls, letters, and e-mails to your executives which have all gone unanswered. 

To date Transunion has triggered an unsolicited fraud alert and unilaterally decided to send that information to the other 2 major credit reporting agencies. 

Since the fraud alert, I have called in to confirm that I had given no consent for any changes to be made to my account and had been assured on each occasion that the fraud alerts have been lifted. 

I can confirm that Transunion still has my credit frozen. So I repeat, I demand that ALL reports through Transunion under my name are to be unfrozen immediately as I never requested or gave any consent for a credit freeze to be implemented or communicated to another report as that constitutes as non-public information.

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 2023-11-24
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Purchased the product from XXXX on XX/XX/23. Sales rep filled out all paperwork in front of us so we could do payments on the product. Sales rep informed that payments would not be requested from their second party payment service until 30 days after delivery. XXXX occurred on XX/XX/23. By XXXX nothing had been sent to our address concerning a statement or credit card. XXXX was called to attempt to get information but we were told they had no access to this information, only the company. Attempted to contact the company, TDfinancing, multiple times throughout the span of a week and was only able to speak to an actual representative once who referred us to the same automated questionnaire that required an account number to access our account to make payments. We do not have an account number and have tried to obtain this information multiple times with no response unless we are able to provide the account number we were never given. We received only XXXX email from the company in a promotional form but nothing has been sent through the mail or through email with information to get us signed up and started to make payments. An email was sent to the company on XX/XX/23 after we became hopeless that calling the company would yield any help ; no answer has been received in response to the email. The company site advised they will respond within 30 days, however, it seems very unlikely with our experience and as that timeframe begins to come to a close that any response or help will be given.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-13
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: Credit inquiries on your report that you don't recognize

Complaint:
I called XXXX XXXX on XX/XX/XXXX regarding this complaint. 

Your phone number XXXX does not ring. It goes straight to voice mail. 

I Ask again that YOU remove the hard inquiry form my credit report as you are a re-seller of credit reports and my information was shared without my consent, to YOU the re-seller. I do not need to reach out to XXXX XXXX as what has occurred by my information being shared to a third party is against the law This is my second communication with you and I Would have to make this a case for noncompliance if you do not remove the hard inquiry from my report. 

This was XXXX XXXX XXXX 's previous response : XXXX XXXX XXXX is a re-seller of credit reports primarily for mortgage processing, tenant screening and employment screening purposes. This inquiry was accessed on XX/XX/XXXX, on behalf of : XXXX XXXX located at XXXX XXXX XXXX, XXXX, XXXX XXXX. Their phone number is XXXX. These inquires remain on a consumers credit report for a period of 24 months ( 2 years ). We have not had any communication with you prior, either written or oral, until the receipt of this complaint. Feel free to contact the original end user listed above with any questions you may have regarding this inquiry. After speaking to them if you still feel this was accessed without your knowledge, contact us at XXXX or phone us at XXXX or write us at XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, and we'll be happy to open an investigation. Thank you and have a great day!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: AZ
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, 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:
Credit companies are reporting inaccurate information on my account about missed payments/inquiries. 
Credit companies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Factor Trust
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I wish to dispute only one account XXXX XXXX XXXX I didnt apply for this account Never did business with XXXX and never lived at XXXX XXXX XXXX XXXX Texas XXXX and I have proof of address if needed.. 

Never own a email address XXXX XXXX  isnt giving me the option to send in a FTC police report and keeps rejection this dispute Please reopen this investigation for fraud/identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have online accounts with all 3 credit bureaus ( XXXX XXXX, and MyEquifax.com ), however, I am unable to access an up to date credit report through my online portal with XXXX. I am also unable to access my XXXX and Equifax credit reports through my credit monitoring services with XXXX I am told that my information is not matching up and therefore XXXX 's system can't pull in the other 2 reports. I have attempted to contact both XXXX and Equifax numerous times by phone, by mail, and online and I simply can not get through to anyone to help me fix whatever the issue may be and I still do not know exactly what the problem is. I was told by XXXX that I had to be helped by a special handling department but could not get through to anyone when I called multiple times. This issue has been going on for at least a year and I am just extremely frustrated because I need to be able to access my credit reports and credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I won my dispute with Bank of America and my money was never added to my 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 monetary relief
Consumer complaint received 2023-11-20
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-09-26
Company: EQUIFAX, INC.
State: GA
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 want to inform the Equifax Credit Bureau ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: GA
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$890.00}.

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 2023-09-26
Company: EQUIFAX, 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:
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 2023-09-26
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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 non-monetary relief
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: NC
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:
A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. False misleading information furnishing deceptive forms must remove late payments under the XXXX XXXX XXXX. The account is listed below : XXXX XXXX XXXX XXXX : {$5800.00}

Company response to consumer: Closed with explanation