BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: MO
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 issue is causing me significant XXXX  and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
CAPITAL ONE XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card XXXX XXXX XXXX Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$700.00} {$700.00} {$0.00} Credit Limit : {$500.00} {$500.00} {$500.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: NV
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:
This is my 5th 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 XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$490.00} XXXX XXXX Balance : {$410.00} XXXX XXXXXXXX Balance : {$490.00}

Company response to consumer: In progress
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: MA
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: Avant Holding Company, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022, I paid my account in full and cancelled my credit card with Avant. Now I am being told that I am incurring interest on the card that has been cancelled several times. They have attempted fraudulent tactics several times so the account has been cancelled. I have tried to deal with this company but am getting no where with them. I am looking to CFPB for assistance in putting this matter to rest once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: AZ
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:
I recently disputed the account XXXX XXXX XXXX ( XXXX ). They are reporting incorrect information as my car was purchased with Gap insurance. They are reporting incorrect amount. Please send proof of total amount owed after Gap insurance or delete account. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4. 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage company has not paid my taxes for XXXX. I have been calling them since XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XXXX, I have also sent mutiple emails. But they still havent paid my taxes on my home for XXXX  and I am incurring late fees. They have know problems collecting my escrow money. 
They said they tried to call XXXX XXXX XXXX for amount. This is a lie I can view the amount on XXXX website for XXXX and XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The debit card I used for XXXX expired and I didnt realize it. The account was charged off in XXXX and was sent to Credit Collection Services. I didnt find out about the collection until early XXXX from a mortgage credit report. As soon as I saw the collection I called XXXX and paid them {$450.00}. They said they would alert Credit Collection Services and that the account would be removed from Credit Collection Services and it would be deleted. 

Another phone call to check on their time frame got me a different story and was instructed to all Credit Collection Services. I asked about getting their account removed from my credit report. They said they couldnt. They said they mailed me a collection letter on XX/XX/XXXX. I said I never got their letter and that I have my office staff open all my mail business and personal. I reminded the collection agent about not getting notified so my fair debt collection practices act rights were violated. She said the just because I didnt receive their letter doesnt mean they didnt mail it. I couldnt believe those words came out of her mouth. 

I want two things - # 1 get the collection account deleted from my credit report. 

# 2 I want to file a report with the FTC and join whatever class action suit that is being mounted against Credit Collection Services. With the glib attitude I encountered with them I bet they have done this to tens of thousands of people. My credit report is clean. I made a mistake and took care of it immediately after I found out. I found out by a credit report not the notification that a Federal Law guarantees me. Until this is resolved my business lending capabilities have come to a complete halt. There is zero chance I would let a {$450.00} collection wreck my business. I was not notified.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-10-20
Company: Experian Information Solutions Inc.
State: TX
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/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

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

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 2023-05-26
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$700.00} {$700.00} {$0.00} Credit Limit : {$500.00} {$500.00} {$500.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in XXXX  column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE

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 2023-10-25
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Chase Amazon Credit Card which had a {$4500.00} balance at the beginning on XX/XX/XXXX. I paid off my {$4500.00} balance in full on XX/XX/XXXXXXXX  prior to the close of the billing period. I also made new charges of {$540.00}. 

Chase Amazon charged me {$71.00} INTEREST on a {$540.00} balance. The statement says I was charged for a Balance Subject to Interest Rate of {$3100.00}. 

I should have the ability to pay off my previous month 's balance BEFORE the next billing period and not be charge interest on a balance that was paid off and was XXXX! 

I also should not be charged {$71.00} Interest on a {$540.00} newly incurred balance. My previous balance was paid in full and I should not be getting charged interest on new purchases until the start of the new billing period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
We have been Chase banking customers for about 35 years. We have both checking and savings withthem. We moved from our long-time place of residence in XXXX XXXX , XXXX, to XXXX XXXX in early 2021.We maintained our Chase accounts ( which we handle almost exclusively online ), despite there being no local Chase branches where we live ( the nearest branch office is in XXXX, XXXX  ) . We recently had need of either a cashiers check or money order ( s ) totaling {$2700.00}. Since there is no branch close by, we utilized a XXXX XXXX locally, to get three money orders ( max MO amount is {$1000.00} ). The XXXX XXXX  used my ( XXXX ) debit card to withdraw the money ( which was in our checking account ) in order to purchase the money orders. In addition, a {$6.00} money order fee was withdrawn separately. Chase bank charged us a 3 % " cash advance '' fee on this withdrawal ( about {$83.00} ), which we are disputing. I have communicated both by phone call, and by secure message, with Chase customer service, and been told that this " cash advance '' fee is policy and can not be reversed out. However, per the Chase website : " A cash advance is a loan offered by your credit card issuer. When you take out acash advance, you're borrowing money against your card 's line of credit. You must repay this loan and the amount you transfer can not exceed the current balance available on your credit card. The amount that is transferred is then added to your credit card balance. '' We are maintaining that this was in no way a " cash advance '' on any credit card, the money was in our account, we withdrew it, and Chase did not " loan '' us anything, but Chase has refused to refund the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: MD
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 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 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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
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:
Hello. I did not give consent to the credit bureaus ( XXXX, Transunion and XXXX ) to add my bankruptcy to my credit report. The U.S. Bankruptcy Court of Central Illinois states that they do not report to the credit bureaus. Can you please verify how this information was added? Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hello! 
I had a shared personal account with my husband at Bank of America for 7 years. My husband also had his own business account at Bank of America, not shared. He had his business account closed in the beginning of XX/XX/2023 as a result of a bad deposit. Also, Bank of America closed all accounts in his name, which was a personal shared account with me. 
I tried to open a personal account at Bank of America again, and they confirmed that they dont have any fraud information or activity on me personally, but since I was at this shared account with my husband they refused to open an account for me and work with me again. 
I also have issues opening any deposit accounts now at any bank since I believe this situation with Bank of America effected my records

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XX/XX/XXXX I got an email from XXXX I will attach it to this complaint for review it says make a payment of {$350.00} before XXXXXXXX XXXX or it will be reported 30 days late. No problem I made the payment on XX/XX/XXXX at XXXXXXXX XXXX I will attach the receipt. Now I got alert from the credit burus that bridgecrest reported this loan 30 days late because of {$39.00} past due but thats not what they wrote in the email I paid them what they ask for actually a little over. This is not right I want them to reverse this because they lied to me in the email.

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 2023-10-24
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My identity was stolen in XXXX of this year. The thieves said they worked for XXXX XXXX, a legitimate company, which I had used previously for computer protection. 
Along with other money I have lost, my American Express XXXXXXXX monies were transferred to an American Express XXXX  account that I did not open. 
{$41000.00} was taken out of my American Express XXXX account and transferred to an American Express XXXX account in my name that I DID NOT open. I did not authorize this and now my funds are gone. 
On XX/XX/XXXX, {$4900.00} was transferred out of that checking account and wire transferred to XXXX. On XX/XX/XXXX, {$19000.00} was wire transferred to XXXX XXXX. On XX/XX/XXXX, {$16000.00} was wire transferred to XXXX XXXX XXXX. 
I do not know XXXX XXXX nor have had any dealings with XXXX XXXX XXXX. Several accounts were also opened in my name that I did not authorize ; XXXX XXXX, XXXX, and XXXX. 
I have had this savings account for many years. I transfer money from my XXXX XXXX XXXX account monthly to this savings account. Normally, {$2000.00}. 
After calling and talking to several American Express employees in the fraud department over several weeks, American Express has sent three letters to me, all dated XX/XX/XXXX. 
Each letter had a different case number according to dates and dollar amounts taken from my account, as indicated above. American Express stated, in all three letters the following, " Based on the results of our investigation, we do not find that any error occurred. Therefore, no funds will be credited to your account as a result of this dispute ''.

Company response to consumer: Closed with explanation