BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-18
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear Chase, I am contacting you all in regards to my Chase Credit Business Ink Credit Card ending in XXXX for my company XXXX XXXX XXXX XXXX, XXXX. My previous card associated with this account was stolen and I have put in many disputes. My account was credit on XX/XX/XXXX, XX/XX/XXXX two separate times, and on XX/XX/XXXX, and XX/XX/XXXX twice and I have other disputed transactions pending, however, when I look at my statement balance on my account my statement balance is not reflecting these credits and pending disputes. I understand my current balance will include my entire balance, however, my STATEMENT BALANCE is incorrect and needs to be updated to reflect these credits and pending transactions, therefore, I am requesting that Chase have the proper department review my account and have my statement balance reduced to reflect all credits I have received and currently disputed transactions thats transactions are pending because with my statement balance being incorrect at {$17000.00} as of XX/XX/XXXX when it should be lower is causing my business credit to be reported incorrectly and is causing me to have an incorrect minimum payment, therefore, I am requesting this be updated immediately to reflect the correct information being that my statement balance is lower considering I have received credits on my account and have transactions currently disputed. Please update my statement balance to correctly reflect these disputed because it is currently incorrect and needs to be updated immediately. In the event it is not updated I will have to file suit given Chase is reporting incorrect statement balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$410.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
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: Public record information inaccurate

Complaint:
I have disputed this account multiple times yet it comes back verified by XXXXXXXX XXXX. I contacted XXXX XXXX and they have no record of Bankruptcy with them. How is Experian verifying this information falsely.

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 2022-09-17
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: Public record information inaccurate

Complaint:
In or around XX/XX/2021 I requested an investigation of the inaccurate information concerning my credit file to all credit bureaus. The request was to provide the source of who reported bankruptcy/dismissal of bankruptcy on my credit file. Within 30 days the credit bureaus have failed to comply with the request of the inaccurate information. Therefore the public records inaccurate should be deleted/removed. 
I have never filed for bankruptcy and only XXXX deleted/removed the inaccuracies from my credit file. 
Please have this incorrect information bankruptcy/ dismissal of bankruptcy deleted/removed from my credit file within a 10 day period. Or I will seek monetary relief.

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 2022-08-24
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Though I messaged within my account twice ( XXXX and XXXX ) and called twice ( XXXX ) requesting my XX/XX/XXXX statement, I still have not been provided it. It isn't posted with my other statements. 
When I received the XX/XX/XXXX statement before getting the XX/XX/XXXX statement, I initially thought that the XX/XX/XXXX statement was just mislabeled as XXXX instead of XXXX but upon further review, the ending balance for XX/XX/XXXX was different than the begining balance shown on the XX/XX/XXXX statement so either I'm falsely being charged or I need to be provided my XX/XX/XXXX statement. When I called, the representative said there was a system update that caused the XXXX statement not to post along with my other statements. Either way, I need to be provided my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Experian Information Solutions 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:
ON AROUND XX/XX/2022 I DISPUTED INACCURACIES AND INCONSISTANT ACCOUNTS SHOWING ON MY CREDIT FILE BY THE CREDIT REPORTING AGENCIES, I ASKED THEM TO VERIFY THE ACCURACY OF INFORMATION AND SEND PHYSICAL PROOF OF VERIFICATION PROCESS. THEY HAVE FAILED TO PROVIDE ANY SUCH PROOF AS WELL THEY'RE CONTINUING TO REPORT INACCURATE INCONSISTANT INFORMATION. 
ACCORDING TO THE FCRA THEY MUST REPORT 100 % ACCURATE INFORMATION, OR UNVERIFIED AND INACCURATE REPORTING MUST BE DELETED. DUE TO THEIR NEGLEGANCE I'VE BEEN UNABLE TO OBTAIN ANY CREDIT, EMPLOYMENT, AND HOUSING.

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 2022-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
There is an account added to my credit report that is not mine. The account was never opened by me. I have never had any BOA accounts

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 2022-09-17
Company: Experian Information Solutions Inc.
State: NC
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 XXXX Account # 's XXXX has violated my rights 15 U.S.C. 1681 Section 602 A states I have a right to privacy 15 U.S.C. 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an 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 2022-09-17
Company: Radius Global Solutions LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX for property address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I sent a response to them on XX/XX/XXXX, indicating that the debt does not belong to me. 

I then received another letter dated XX/XX/XXXX from XXXX XXXX, another collection agency. 

Recently another letter was received from Radius Global Solutions LLC dated XX/XX/XXXX which I disputed just now via their email XXXX. 

I do not owe XXXX XXXX and they are apparently reselling the information after I contacted them indicating that I never lived at the service address. 

I would like this debt removed from my record and to have XXXX XXXX correct their system so this error will never occur again. Thank you. 

Sincerely, 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 2022-09-17
Company: Experian Information Solutions Inc.
State: NV
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 1681c-2 - 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 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 2022-09-18
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being harassed by XXXX XXXX for a debt that does not belong to me. I have never had an account with them or Truist Bank, the company they claim to represent.

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 2022-09-18
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 XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were having problems making payments and given a 6 month forbearance for Covid 19. My wife spoke to Truist and we were given another 6 month forbearance for Covid 19 and at end of forbearance period Truist refused to take our agreed to monthly payment. They asked for a lump sum to make up for past payments under forbearance. We never had a problem with Sun Trust but Truist employees screwed up numerous times and they could see it in their records. The employees reviewed notes in their records which showed their mistakes but never corrected. Truist sent us a form to fill out on how to handle past amount due and we requested to put at end of mortgage. At first Truist said they never received and then said they had received late. The interesting part was one employee said one thing and the other something different. Now Truist had sold mortgage to XXXX XXXX XXXX and won't give me copies of what was agreed to. I think the federal government needs to step in and straighten this company out. Next step should be a class action lawsuit for illegal loan practices between Truist Bank and now XXXX XXXX XXXX as they can't get their dates straight.

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 2022-09-18
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act XXXX name and account numbers : 1. ) XXXX XXXX # XXXX 2. ) XXXX XXXX XXXX # XXXX, XXXX ; XXXX 3. ) XXXX XXXX # XXXX, XXXX ; XXXX 4. ) XXXX # XXXX has violated my rights. 15 USC 1681 section 602 A, states that I have the right to privacy.

15 USC 1681, 604 A section 2, also states the consumer reporting agency can not furnish an account without your 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 2022-09-17
Company: EQUIFAX, INC.
State: NC
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:
it has come apparent that Equifax has furnished false, outdated, and incorrect information on my credit report. Equifax is acting as trustee over my cestui que vi trust and they have acted in maleficence breach of duty as this act has not been in my best interest. Equifax is both a financial institution and credit reporting agency, which has caused damage to my ability as a consumer to make certain private purchases for my family and I. they violated my privacy and never had consent nor permission to furnish or report any of the false and misleading information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
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:
I have notified Experian several times that there are many discrepancies in the reporting on my credit file which all happen to negatively impact my reputation and are unlawfully still furnished. According to 15 USC 1681c-2 ( a ), after being notified that accounts are fraudulent, do not belong to me, nor relate to any transaction that I am connected to ; the information must be blocked and deleted within 4 days of receipt. By my records, I have sent written notification to Experian providing full detail and evidence necessary for its removal. Postal Tracking # XXXX XXXX XXXX XXXX XXXX, received XX/XX/XXXX. It is now XX/XX/XXXX and Experian has not fulfilled its duties to block and delete the information. I have again attached the documents Experian has already received. Further, per 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( i ), the information can no longer be furnished after being notified by me that the information is inaccurate. I am requesting for the immediate removal of these accounts.

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 2022-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I discovered today ( XX/XX/2022 ) that a person opened a Checking account at Capital One Bank in my name. I went to set up an account with them for the first time ever and found out one was set up already. I was told the checking account was already closed, they did not tell me what banking took place on that account. I was able to obtain the mailing address and email they set up and the last four digits of their cell phone number when changing the account back into my name. I do not know what amounts were opened or what transaction took place on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
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:
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 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 2022-09-18
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan servicer, Wells Fargo, has not been crediting our payments in a timely manner, instead, placing them into " unapplied funds '' and then filing foreclosure proceeding against us because they have not credited the payments. In XX/XX/XXXX, these unapplied funds equalled more than 4 monthly mortgage payments. Wells Fargo then filed for foreclosure, even though the ony reason we were behind was because they were placing our payments ( made by certified checks sent directly from the bank ) into unapplied funds instead of promptly crediting them as payments. 

In XX/XX/XXXX, a late payment was made due to the passing of my father-in-law and the need to cover his funeral expenses. 

According to an agreement entered into on XX/XX/XXXX, there could be one cure period if a payment was missed. According to Wells Fargo, this cure period took place on or about XX/XX/XXXX. However, there were no missed payments, these were only part of the {$10000.00} in unapplied funds. 

In XX/XX/XXXX, Wells Fargo began to reject certified payments, sending back our XX/XX/XXXX payment. They now admit that they are no longer accepting payments. I believe they are only doing so to force a default as there is no sound reason for doing so. 

Also, Wells Fargo is dual tracking. I have had an active request of mortgage modification for almost 9 months. Wells Fargo states that a modification takes approximately 30 days, this has taken more than 8 months because Wells Fargo has taken so long to process the modification that the documents have become stale dated, due to the fact that more than 4 months elapses before they begin to process the documents submitted.There is no reason that a mortgage modification should be going into its ninth month except for the willful indifference or deliberate malfeasance of the lender. 

Also, Wells Fargo has included {$1200.00} in legal fees in what they claim are " arrears ''. Also, Wells Fargo has cut us off from access to our monthly statements and has refused to send us duplicate statements we have been requesting in order to document all of their errors. 

They have instead sent us spreadsheets with information that omits such unauthorized charges such as legal fees. Wells Fargo has no explanation as to why we can not get access to the online portal to view our payment history except that they do not want us to document their accounting errors. 

Also, there are late fees due to the delayed crediting of our payments and their being placed in " unapplied funds '' for months at time.

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 2023-04-20
Company: EQUIFAX, INC.
State: DE
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 Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
bankrupcty was filed on XX/XX/22 and i was told funds coming in after that date would be reverted to the new account. Several deposits made into that old account and has failed to be diverted to the new account, I was told this was going to be done. It will be a month on XX/XX/22 and no money was sent to the new account from that old account, the old account it XXXX this is causing me undue hardship due to Navy Federal failure to comply with the bankruptcy court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation