BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 non-monetary relief
Consumer complaint received 2023-08-04
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: VA
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:
The current issue is causing me significant distress and is having a negative impact on my sleep.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items 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 XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06
Company: JPMORGAN CHASE & CO.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, a new hard inquiry showed up on my credit card that I do not recognize. It is from JPMCB card services, which I have no idea what that is. Today on XX/XX/XXXX, another new inquiry shows from Jpmbc card that I did request. I have no knowledge of what this company this or how it ended up on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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 fait credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All of my educational loans have been forgiven/discharged but the credit bureaus still list one them on my report as unpaid. 
I have disputed charges on my credit report with all three credit reporting agencies and when they investigated they said the info was correct and the account stays the same. They claim that they have verified the info through the Dept of Education or XXXX. This is not true because I have a letter of discharge and I have called every department which all have confirmed the same info of my loans discharges having a XXXX balance. This is unfair, unacceptable, frustration and illegal! 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 non-monetary relief
Consumer complaint received 2023-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 Credt Reporting Act Account Name : Capital One Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights. 

Account Name : XXXX XXXX Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights Account Name : XXXX XXXX  Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights Account Name : XXXX XXXX  Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights Account Name : XXXX/XXXX  Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights Account Name : XXXX XXXX Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights. 

Account Name : XXXX  XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX 15 USC 1681 Section 602 States I have a right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XX/XX/2023, when logging into my American express account online, I received a popped up invitation to apply for Amex XXXX XXXX that has a sign up bonus offer of XXXX points after XXXX spending in 6 months. I applied and got approved on XX/XX/2023. I was charged annual fee of {$690.00}. 

After the approval, on XX/XX/2023, I called American express customer service to confirm the term and condition of the sign up bonus, and the service presentative reassured me the offer is valid. I decided to keep the card and try to meet the spending requirement for the sign up bonus. 

After meeting the spending requirement of {$6000.00} on the card on XX/XX/2023, I called Amex again and was told I met the condition and the points can be credited anytime. 

I called Amex again on XX/XX/2023 when no points showed up, and was told again that I met the condition, and points will be posted in XXXX. 

On XX/XX/XXXX, I called Amex and the representative agreed that I should be credited and filed a case with # XXXX. I received a paper letter later saying they already credit me, which is not correct. 

On XX/XX/XXXX, I called Amex and the representative agreed again that the first letter is incorrect and I have not been credited. She helped to open a second case. I later received a paper letter saying I haven't met the spending requirement. 

On XX/XX/XXXX, I called Amex and the representative now says I do not qualify for the sign up bonus since I had another XXXX XXXX. I asked to cancel the card and get full refund of the annual fee. The representative refused to refund me the annual fee saying it has been more than 30 days. 

So in summary, I was tricked into applying for a XXXX XXXX and paid {$690.00} annual fee. I was misled by American express after calls and paper letter telling me I qualified for the sign up bonus. I never received the promised XXXX points. 

I am demanding American Express to either fulfill the condition and credit me XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I realized my account ( debit card ) was compromised and unauthorized transaction were being made. I was at XXXX XXXX XXXX checking out my card declined. I checked my account and realized unauthorized transaction appeared from XXXX XXXX tx XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I immediately went to Wells Fargo to inform them that my debit card has unauthorized purchases. And these transaction continued while sitting in front of the banker. We filed a claim and twice they denied my claim stating I authorized these transaction and because of that they wont rerun my stolen money. Filed a police report with the XXXX XXXX XXXX police department.

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 2023-08-08
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023. I was trying to make a cash deposit, of {$580.00}. with a ATM. An Error message said, the machine was having trouble reading the bills please take your cash and try again. The ATM did not return the cash. I waited for several moments, but the cash never came out. I went inside the bank to speak with someone. The manager said the would have to do an audit of the ATM to retrieve the money. I was told an audit would be done later that day and someone would call me with the results. ( I was never called. ) After a few days I wet back to the bank to see what happened. I was told the ATM audit had not yet taken place, and would not be dune until later that week. I was told someone would call me buy the end of the week with the results. ( I did not receive a call ). I went back to the bank the following Tuesday, and spoke to the Branch Manager. He told me the audit was done, but there wasn't an imbalance. I asked them to look at the camera footage. They told me they will not do that, with out a court order. I have spoken with Customer service several times. I have not yet received my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-08
Company: JPMORGAN CHASE & CO.
State: MI
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 had an business account with chase, when I went to the hospital some fraud activity happened we got to the bottom of it they opened a new account and said they were going to send my funds over to the that account they never even after giving me dates when they were going to do so. I even had the bank manager following the situation for me they told her I will get my funds n she needs not to follow this situation anymore. And I feel like Ive been left to dry sill have yet to get my funds. Just called weeks after n decided they I wasnt getting anything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All of my educational loans have been forgiven/discharged but the credit bureaus still list one them on my report as unpaid.

I have disputed charges on my credit report with all three credit reporting agencies and when they investigated they said the info was correct and the account stays the same. They claim that they have verified the info through the Dept of Education or XXXX. This is not true because I have a letter of discharge and I have called every department which all have confirmed the same info of my loans discharges having a XXXX balance. This is unfair, unacceptable, frustration and illegal! Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: GA
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:
So I sent a letter off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information with a third-party Entity. Clearly, this is a violation of my federally protected rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
I contacted Wells Fargo, who told me to contact the credit bureau when i told them the information reported is incorrect. This account was paid in full 2021 XXXX. I paid this account in full while i was in XXXX XXXX in the military. I paid over {$500.00} then my mom later told me she had a letter with them attempting to settle for {$220.00}, when i already paid in full.

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 2023-08-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I bought a phone through XXXX  but stuff happened and my credit score dropped a lot and I never have written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: AL
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:
Please update my address and name remove all other names & addresses I attached my paystub with the correct spelling of my name along with my address please update my personal information immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I found that there was a wrong collection on my credit reports from all the credit bureaus. It shows I owed XXXX dollars to an apartment in XXXX, Illinois. The original creditor is XXXX XXXX XXXX XXXX, and the collection company is Procollect Inc. 

However, when I lived in XXXX, Illinois, I had never lived in that apartment. The name of the apartment I lived in was XXXX, and I signed a short-term lease with XXXX on XX/XX/XXXX for the date from XX/XX/XXXX to XX/XX/XXXX. Besides, I never pay my rent lately at that time. 

The collection company did not identify the information with the original creditor and required me to pay that amount. I contacted the original creditor, but they told me to contact the collection company. I first called the collection company to identify the information, but they just told me the debt was based on a lease with XXXX  XXXX  from XX/XX/XXXX to XX/XX/XXXX and refused to do the identity verification. Then, I emailed my evidence to the collection company but with no response. 

I have only XXXX requirement for the collection company to identify all the related information, such as full name, birthday, passport, or XXXX, and then remove this collection record from all three credit bureaus because this debt does not belong to me.

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 2023-02-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus On XX/XX/2023, to update this suspicious information. I think you have not validated these accounts, This was already included in my prior COMPLAINT, and I'm including it again. 
Please verify these accounts as soon as feasible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been a customer with capital one for almost 3 years. I have always been on time never late. Always paid off my balance every month. So a year ago I reached my limit of XXXX. After having that credit limit for almost a year before reaching it. I even paid over the minimum required payment every month. So when I applied for a credit increase I was denied by capital one stating that my previous balance on a line of credit was to high?? The line of credit was capital one. So now that Im at XXXX they charge me the interest of XXXX or whatever they decide, then they have the nerve to charge Me enormous late fees. Which ever they decide and report this to the credit bureau. They are extremely bias on who they give credit increases too. And they really initiate high late fees and dont offer a solution to its customers at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have called Chase bank ( XXXX GA ) several times to clarify the details of my account. I have spoken to ( I believe XXXX The XXXX lady ) several times in reference to my account status. Im constantly receiving emails from this bank that I had years ago and forgot about but Im being denied access to my bank account information and status. I have left several messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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:
This is my third 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 an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$23.00} XXXX XXXX Balance : - XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX Balance : {$23.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I had written a dispute to the bureaus regarding their erroneous reporting on my credit file but until now have received no response and those erroneous report are still on my credit report. These accounts are still inaccurate, incorrect and misleading ; can not be verified nor validated : XXXX, Equifax and XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation