BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made a purchase with payments for a reservation made on XX/XX/XXXX using my Chase debit card as Visa Credit. There were a total of 7 payments. The business I made the  purchase payments too canceled on their behalf and have not refunded any of my money. I am not receiving the service and they are not refunding ... so some kind of fraud/stealing money is taking place. I have tried to contact the business and all phone numbers and emails have been canceled. 

Chase filed a dispute but said they would only dispute 60 days from the first payment. I used my card as Visa Credit, Visa has a 100 % fraud guarantee ... if you dont receive a service  you paid for you can dispute it and get a refund, they will look into the dispute. As of now I am only receiving about half back because of a 60 day rule. Visa does not have that rule and Chase bank should be following Visa if Im using a Visa card as Credit. 

The dates Im still disputing are : All charges from XXXX   XX/XX/XXXX - {$540.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$45.00} XX/XX/XXXX - {$540.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Someone by the name of XXXX from XXXX XXXX XXXX keeps calling me numerous times a day despite the fact that I told him that I wanted him to stop contacting me and that I have representation regarding any credit issues and gave him the name of the legal representative. He uses numerous different numbers to call me from, but his call back number is XXXX with extension XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have been calling Experian for 4 days now. Every time someone pick up, they keep forwarding me around stating that I'm in a special dept. When that department picks up they tell me still in the wrong department. When I finally get to the department I need, I have to leave a message and no one has yet to return my call. 

I have personal information that is incorrect and needing removal from mt credit report. Please see the following. 

This name with this spelling is incorrect. Please remove. 
XXXX XXXX Name ID # XXXX These addresses are incorrect. Please remove. 
XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX These Social security number variations are not mines. Please remove. 
XXXX XXXX Please remove this unauthorized inquiries that was not for a permissible purpose. 
XXXX  XXXX XXXX  Inquired on XX/XX/2019 XXXX   Inquired on XX/XX/2019 XXXX  Inquired on XX/XX/2019 XXXX Inquired on XX/XX/2019 Please remove the remarks under comments for the following tradelines : XXXX XXXX XXXX XXXX XXXX OH XXXX OFFICE OF THE ATTY GENER XXXX XXXXXXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX   XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide with an updated and corret report when completed.

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 2016-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The item XXXX, Account number XXXX classified as an individual, utility company account was opened on XXXX/XXXX/2015 and maintained in good faith to be paid in full, every charge which was relayed to the XXXX residence. The date of delinquency first reported was XXXX. This is the same date as the final payment which was provided immediately upon notification of a delinquency in the amount of {$97.00}. The item XXXX is delinquent because, I changed the address on file from XXXX Address to Second Address to which they failed to send notification of an outstanding balance. We received no correspondence indicating an outstanding balance before it was sent to a collection agency and reported to you. Upon notification from the collection agency of an outstanding balance to our new residence we paid the balance IMMEDIATELY in full, which was to include a late charge. Because of this administrative failure by the XXXX Company my family has a now tarnished perfect credit report history, which is to say we have never missed a payment of any kind. I request an investigation to be performed to include any position which might dispute my claim. I attempted to contact the XXXX management to view my previous account and was told that this function was not possible. I also tried to verify phone transcripts and was told this was also not possible. If no proof can be found which invalidates my claim OR if my since closed account payment transcripts are not available I respectfully request that pursuant under the Annotated Code of Maryland XXXX XXXX, et seq and under Common Law basis XXXX my credit report is updated by the item XXXX being removed from a delinquent position to accurately reflect this truth.

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 2018-05-30
Company: Experian Information Solutions Inc.
State: GA
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 really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XX/XX/2016

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 2016-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
THERE ARE INQUIRIES DONE ON MY CREDIT THAT I DID NOT AUTHORIZE. WHEN CONTACTED CREDIT BUREAU BY PHONE THEY STATE THAT THE INQUIRIES ARE VALID AND THEY DONT HAVE TO PROVIDE PROOF FOR THE INQUIRIES. I HAVE NOT DONE ANY INQUIRIES ON MY CREDIT IN XXXX OR XXXX. THESE INQUIRIES NEED TO BE REMOVED FROM MY CREDIT ASAP. I SHOULD NOT HAVE TO WAIT 2 YEARS FOR INQUIRIES TO BE REMOVED THAT I DID NOT AUTHORIZE NOR DO.

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 2017-05-25
Company: CORELOGIC INC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied for a rental apartment with XXXX XXXX XXXX located at XXXX XXXX XXXX. XXXX, Tennessee XXXX ( XXXX ) XXXX on XX/XX/XXXX, 2017 and was immediately denied. When I contacted XXXX XXXX XXXX, they told me they had no control over the matter and directed me to CoreLogic and their number is XXXX. I contacted CoreLogic and they told me there was a criminal record and I would have to dispute it and they could not provide me with any more information. I immediately disputed the issue and I have also faxed a copy of the dispute to Core Logic. When I contact them now, they say no information can be provided. This needs to be cleared up immediately. I have never had any criminal record and I have recently been cleared under a TBI and FBI background check for the XXXX XXXX I have taken with the  XXXX XXXX XXXX. This is obviously incorrect and this CoreLogic company and XXXX XXXX XXXX are using information against me that is libel information and I intend to pursue this until it is cleared up. Kind Regards,

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 2016-09-17
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I disputed and requested validation with at least 30 days to investigate. I also advised them that if any action is taken which could be considered detrimental to any of my credit reports I would seek legal counsel. It has now shown up on my credit report, and I have not received any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
n accordance with the Fair Credit Reporting act 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

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 2016-06-13
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On Thursday XXXX XXXX, 2016 XXXX, I went to Citibank located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX to deposit {$100.00} for my brother-in-law into his checking account. I was told that in order to deposit the money, I would have to show teller my ID. I gave the teller my driver 's license ID as requested. 

After further discussion, her supervisor/bank manager ( XXXX woman whom I did n't get her name ), came over and joined the discussion. I was then asked by the supervisor where I worked before I retired. I asked, " Why do you want to know where I worked before I retired? '' She said this was Citibank policy. 

I responded that you have my driver 's license with my photo on it and that should be adequate. I gave her my former employment information requested. 
Then I was asked by the bank manager, " What did you do at the job before you retired? '' At this point in the conversation, I was livid. I felt that this was an invasion of my privacy. I have concerns about ID theft. They wrote the information down I gave them before I could deposit the money. 

I have never been asked to give personal information about my work status and the job I performed by any bank where I deposited money for a person in my XXXX years on earth. I want you to investigate this bank policy to see if it is applied to all who do n't have accounts at this bank. There was no visible sign in this bank about this policy. 

On the back of the deposit slip, I received states, " Deposit may not be available for immediate withdrawal. Contents and totals of any deposits listed on the reverse side are accepted by Citibank subject to verification and will be credited in the amount verified. '' There was no information about bank policy regarding a {$100.00} cash deposit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: Birchwood Credit Services, 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:
Dear Sir or Madam : I am a victim of identity theft due to an XXXX   credit breech. FTC identity theft report number XXXX filed on XX/XX/2020. The inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.Please remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: JPMORGAN CHASE & CO.
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:
Dear Sir or Madam : I am a victim of identity theft due to an XXXX   credit breech. FTC identity theft report number XXXX filed on XX/XX/2020. The inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.Please remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I was involved in a small fender bender while driving a rented car from enterprise leasing while I was back in between XXXX in XXXX. It was just a small fender bender and no one was hurt and only small scratches to the bumper as confirmed by the police report. I had purchased the rental insurance at the time of renting the auto and I had my own personal insurance through XXXX as well. The accident happened XX/XX/XXXX. I went back oversees on tour and while away I was sent a collection letter from a company named XXXX claiming I owed {$28000.00} dated XX/XX/XXXX. I did not see the letter till I returned and was shocked. I called and explained that I didnt owe them anything I had insurance and they didnt care. I called XXXX and they said they couldnt find any record of anything and then I contacted XXXX. XXXX looked into it and they were sent the claim. They refused to pay the claim becasue they said it was too high and frivolous. They claimed that if I was served or sued they would pay the claim but thats it. I consulted an attorney and they were unable to do anything. I went back for another tour and just figured I would have to wait and see if they served me. When I got back nothing had happened. So I went to get approved to buy a home and when they pulled my credit I was shocked to find that the collection was showing from XXXX on my transunion credit report. It wasnt on any of the others but none the less it was keeping me from getting a mortgage and buying a home. I disputed the account through transunion twice sending the proof that I didnt owe anyone because I had insurance. They just verified the information both times and I still cant get approved on the mortgage. I had to end up renting again and paying more than I was going to pay for buying a home. Please help me get this off my credit report it is not fair and shouldnt be on there. It has nothing to do with me not paying a loan and its clear that I dont owe it because insurance should have already paid it. Lastly they did all of this to me while I was XXXX. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Here is what I sent : Dear Sir : You need take all of the following off my credit report. It is required by law to eliminate after 6 years ( Colorado ). Needs to be removed from credit report / much misinformation as shown below / 6 years past communication with creditor per Colorado statute : XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX All payment stopped / never made - XX/XX/XXXX ( Past 6 years ) XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX Payment stopped XXXX, XXXX ( Past 6 years ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Missed payment / XXXX XXXX XXXX Past 6 years ) XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX Payment stopped XXXX XXXX XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX All payments stopped XXXX, XXXX ( Past 6 years ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Missed payments All Payment stopped XXXX XXXX, XXXX ( Past 6 year ) XXXX XXXX XXXX, XXXX XXXX Missed payments All payments stopped XXXX XXXX, XXXX ( Past 6 years ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missed payments All payments stopped XXXX XXXX, XXXX ( Past 6 year ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missed payment All payments stopped as of XXXX XXXX, XXXX XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX Missed payments All payments stopped as of XXXX, XXXX ( Past 6 year ) XXXX XXXX XXXX, XXXX XXXX Missed payments All Payments stopped as of XXXX XXXX, XXXX ( past 6 years ) This is the second request. Respond to my request. 
Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX , XXXX XXXX, Co XXXXPrevious address : XXXX XXXX XXXX XXXX, XXXX XXXX, Co XXXXMost if not all of this issue is 7 years or older. Also live in Colorado and I understand it is 6 years for things to be removed. I have not talked to or made any agreements with any bank or organization.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX department store reported me late for payment XX/XX/XXXX and XX/XX/XXXX but did pay in full interest, late fee and payment XX/XX/XXXX and XX/XX/XXXX. contacted XXXX XXXX to have them remove late payment notived with all XXXX credit reporting agencies but XXXX XXXX department store is willing even though ful payment was payed including late fee, interest and balance. this late payment reporting by XXXX XXXX to all credit reporting agencies has lwered my credid score resulting in my husband NOt qualifying for thet op tier 30 year home refinance of 4 % but rather qualifying for 4.25 % 30 year. ALL because i was lateyes twice but also did pay the late fee, interest and balance to XXXX XXXX department store

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: CT
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: Was not notified of investigation status or results

Complaint:
Hi, I just wanted to follow up. It's been over a month since I requested you to look into the inaccuracies in my report but you have not replied. It was on XX/XX/2021 to be exact and I was told that I should get some kind of response from your organization but I haven't so I am wondering what's going on for I am sure that letter was received. PLease lem me know what's going on and if you haven't taken action please do now. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: CA
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:
Pursuant to 15 U.S. Code 1681cXXXX - Block of information resulting from identity theft ( 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. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has called myself  1 time every six  months for the last few years. They are looking for a family member to collect debt from. I have no information on that person.   I provide our phone numbers and said not to call us every time. I tried to get information on how they got our information. They said something about skip tracing, I have no idea what that means.

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