BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid Chase bank and they never updated the information with the credit bureaus. This is hurting my credit report and score and preventing me from achieving my dream of buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 obtained a copy of my consumer report and saw accounts on it that were not authorized by me. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given XXXX, TransUnion or XXXX consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.

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 2022-10-13
Company: Experian Information Solutions 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 XXXXXXXX : # XXXX, XXXXDEPT OF ED  : 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 an account without my written instructions. No reporting agency has my written permission to furnish any accounts.

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 or 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.

15 U.S.C. 1666 ( b ) states : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: FIRST ADVANTAGE CORPORATION
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: Personal information incorrect

Complaint:
I am victim of identity theft and this information is fraudulent and needs to be removed from all my consumer reports it is effecting my livelihood. XXXX XXXX is in violation of FCRA for unlawfully reporting fraudulent unauthorized information on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: PA
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 obtained a copy of my consumer report and saw accounts on it that were not authorized by me. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given XXXX, XXXX or Equifax consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX 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 non-monetary relief
Consumer complaint received 2015-05-05
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
We were charged XXXX for XXXX XXXX seats on XXXX XXXX to XXXX. We have contacted XXXX and Chase ( the issuer of the credit card ). Both responded that we had XXXX XXXX seats so no refund was due. That misses the point. We do not dispute that we had XXXX XXXX seats ; the issue is that we were charged XXXX. 
The confusion stems from the following sequence : -- -XX/XX/XXXX We made reservations for the round trip to XXXX and purchased XXXX XXXX seats. 
XX/XX/XXXX We purchased a year long subscription for XXXX XXXX seats from XXXX. 
XX/XX/XXXX We contacted XXXX to cancel the reservations made on XXXX within the XXXX hour window for no-penalty cancellations. We explained to the agent that we intended to rebook and use our XXXX XXXX subscription to obtain XXXX XXXX seats on the new reservation.She said there was no need to cancel the reservation. She would adjust it to reflect our XXXX XXXX subscription. She did so ; sent a confirmatory email ; and the amount charged our credit card reflected the air fare with no charge for XXXX XXXX seats. 
XX/XX/XXXX XXXX charged our credit card for the XXXX XXXX seats with no notice to us. We learned of the charge in XXXX when we received our monthly statement. 
XX/XX/XXXX We submitted a written refund request to XXXX. 
Late XX/XX/XXXX After receiving no reply from XXXX, we submitted an electronic refund request. 
XX/XX/XXXX We submitted a refund request to Chase Bank, the issuer of the credit card. 
XX/XX/XXXX We received notification from XXXX that our request was denied because we had received XXXX XXXX Seats. 
XX/XX/XXXX We supplied Chase Bank with written documentation of the above transactions. 
XX/XX/XXXX We contacted Chase Bank to ask what was happening with our refund request. We were informed it had been denied because we had received XXXX XXXX seats.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-21
Company: JPMORGAN CHASE & CO.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I accidentally left a check made out to myself inside of a rental car. Reported it promptly to Chase, and even though it was made out to myself, and had a forged endorsement, Chase and the depositing bank allowed it to be cashed by the scammer. 

Chase closed the investigation, within a week, BEFORE processing my affidavit or even attempting to investigate, due to " Lack of Care '' on my end because I left the check somewhere. The police department assigned a Detective who is actively looking for a suspect, and wants to prosecute, yet Chase just dismissed the claim, even though it clearly is a case of check fraud, and I reported it to Chase the same day I realized the check was missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2017 I found on XXXX good offer for high quality XXXX. I contacted the company and received much higher price, but I accepted this offer. After I received invoice on XX/XX/XXXX, I paid by wire transfer $ XXXX kilogram plus {$50.00} for shipping. However, when I received this package it weight total only XXXX grams, and inside envelope weight XXXX grams. inside are documents with information that they send XXXX grams silica powder. I complained it, and they send me email that I received what I paid. 
After that I searched on Internet and found that many people where cheated by them. 
On XX/XX/XXXX, I was in Chase bank and asked for help. The banker opened claim number : XXXX and promised me that they will act in this case and will try to reverse my money within about three days. Unfortunately, to this day did nothing in this cheat.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Sentry Credit, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Debt collector disclosed that they were trying to collect a debt to my long time ex-husband and told him they were trying to collect a debt even though they have my 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 2016-11-29
Company: U.S. BANCORP
State: MT
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I called the hotel, XXXX XXXX, possibly XX/XX/XXXX, to reserve a block of rooms for my son 's soccer team who was playing in a tournament in XXXX, MT on XX/XX/XXXX-XX/XX/2016. They gave me a block of XXXX non-smoking, double rooms for $ XXXX/night plus tax. The rate of the room was {$82.00} per night. When I made the reservation, they did ask for my credit card to " hold '' the rooms. In addition, we agreed that any unused/reserved rooms would be released on Friday, XX/XX/2016. I asked a couple of different times before hanging up with them that the unused rooms would be released so that they would be able to have them available for other customers. There was nothing in writing confirming this, only verbally from the clerk who took my reservation. 
I checked in to the XXXX XXXX on Friday, XX/XX/2016 for check out on Sunday, XX/XX/2016. At that time, the front desk clerks did not mention anything to me about possibly charging me for the unreserved rooms. In fact, nothing was mentioned about the unreserved rooms at that time. I paid for my room, XXXX, for the two nights for a total cost of {$160.00}. 
When I got back to the hotel after XXXX on Saturday, XX/XX/2016, a hotel clerk asked me if anyone has talked to me about the unreserved rooms and being charged for those unreserved rooms. I told her at the time that I was told XX/XX/XXXX, that any rooms not reserved by Friday, XX/XX/2016 were to be released. She said that she would talk to her manager and get back to me that night. No one contacted me for the rest of the night. 
When I was checking out Sunday, XX/XX/2016 no one said anything to me about charging me for the XXXX unreserved rooms. I believed that the issue was resolved and that the rooms that they wanted to charge me for were then used for the night of XX/XX/2016. 
The documentation that is listed under Case # XXXX is the amount that I agreed to pay in the amount of {$160.00} and you have the same copy I have for the receipt, registrations, and bill given to me when I checked in on Friday, XX/XX/2016 at XXXX. However, under the same case number, there is an additional charge for {$82.00} which I did not give permission to charge my credit card for that amount. 
When I further look at the documentation sent regarding this matter, the XXXX XXXX is using the credit card slip I did sign for in the amount of {$160.00} for room XXXX for the additional rooms. I did not give them permission to use the credit card for the other rooms. 
I have documentation from XXXX XXXX XXXX that the hotel gave to XXXX XXXX XXXX in where bills for various rooms that were unused by myself, but there are no signatures giving my consent to use my credit card for those other rooms. How am I able to send that additional documentation to you for review?

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 2022-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In XXXX XXXX online banking transferswere made from my account for {$4000.00} each. This was not done by me ; it was unauthorizedfraud.These activities which were never disclosed to me. Bank of America never called or sent anything to the address wherethe account was opened. They frozethe account and opened a new account but did not transfer old frozen account funds to the new account until months later. They did not approve my claim to returnfunds because BOA says my ATM/debit card and Pin were used for transactions.and that it was authorized by me or someone with my permission to use my card., not true! I missed the call about my complaint tocfpb. I calledthem back and left a message ; they never called back. I requested copies of documents used to make their decision. Documents were never sent. Bank of America has not provided timely ( 2 to 3 hour phone wait to talk to fraud dep. ) or accurate fraud information before closing my claim.

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 2016-09-30
Company: U.S. BANCORP
State: NJ
Product: Credit card
Issue: Transaction issue

Complaint:
This is in regards to my previous complaint XXXX I guess I am more disappointed by the response than the original issue. Here is my response to CFPB about your so called " resolution ''. 

The response just shows how tone deaf these guys are. They have not addressed any of the issues I mentioned. 

The incident I mentioned was just the beginning and not an isolated incident. I have tried a few other charges and nothing goes through. So basically they have given me a credit card which is not usable at all. 

And I asked a very specific question about how can I meet the {$500.00} spend criteria if they wo n't allow me to use the card. And this is how they respond. 

" Your correspondence also expressed concerns regarding the promotional offer that was provided to you at the time you applied for this account. Our records indicate that your account was established on XXXX XXXX, 2016, under a promotional offer which extended a {$150.00} rewards bonus after you spent {$500.00} in net purchases on your card within the first 90 days of the account opening. We understand that you were expecting to meet the spend requirement for this offer with the above referenced transaction at XXXX which ultimately was not Cardmember Service, XXXX. XXXX XXXX, XXXX, ND XXXX processed. Please be aware that you have until XXXX XXXX to fulfill the required spend amount of {$500.00} '' She has basically copy pasted the terms and conditions of the spend criteria. In what world and how does that answer the very specific question that how can I meet the spend criteria if you wo n't let me use the card at all?? This is just insulting that you get these kind of answers from their so called " Office of the President ''. 

To summarize, My card is still not usable at all, so that issue is not addressed I have no way to meet my spend criteria because of the above, so that issue is not addressed either. 

I guess I will keep filing more complaints till I get someone to actually respond. I have never encountered this kind of shameless behavior. i guess it was not just the customer service but the whole chain to the top is like that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions 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: Was not notified of investigation status or results

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX has not updated information with the credit bureaus since XXXX. I had made a major purchase in XXXX so it is showing a high balance on my account even though the account is now paid off. This is causing my credit utilization to appear much higher than it actually is, which is adversely affecting my credit score. I contacted XXXX and their response is that due to a failed system update in XXXX they have chosen not to report credit information at this time. If they are not going to provide updated information to the credit bureaus, the credit bureaus need to disregard the outdated 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 non-monetary relief
Consumer complaint received 2022-10-28
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: Personal information incorrect

Complaint:
There are multiple addresses that dont belong on my credit report and need to be removed immediately I have reached out to experian concerning this issue and have been ignored please remove all incorrect fraudulent address immediately plz and ty and also names XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX fl XXXX XXXX XXXX XXXXXXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX Also All names should be deleted from my credit file my name should only show up as XXXX XXXX XXXX all other spellings of my name and records of my name are incorrect and should be deleted 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 non-monetary relief