BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: FL
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:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX  Balance Owed : {$11000.00}.

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 2023-07-27
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-06-22
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On the morning of Tuesday XX/XX/2022, I went to a Chase bank location to use their atm to withdraw money being that it is the closest bank to my house. I am not a Chase customer. That is something they kept asking me. I have a debit card provided by the state of Arizona in which child support is deposited. I've had this card for a few years now. I went with the intent to withdraw the funds from this account which was {$420.00} At approx XXXX XXXX I proceeded with the transaction at this atm. The door in which the money should be dispensed made a creeking sound and the screen then said we currently can not give you a receipt. This has never happened before. I figured the atm was out of order so I went placed the card into the Chase atm directly next to this atm machine in question. To my surprise the available balance was {$8.00}. I felt as though I couldnt breathe. The bank was still closed. I found a number on the atm which I immediately called. The XXXX representative on the other line said this is something I will have to take up with my bank. I explained several times this isn't a bank atm card. I was hung up on twice. By this time the bank was about to open. I spoke to a Chase bank teller who then referred me to her manager. The manager stated this is an issue I have to resolve with my bank. Once again I explained this is a child support card. She said the state does the same thing. They will treat it as fraud and open an investigation. I walked out and called the State of Arizona Child Support Office. The representative said I need to have some kind of proof that the money wasn't dispensed otherwise there is nothing they can do. They did state however that they have never ever acted like a bank in fraudulent situations and the Chase manager was wrong about that. I went back to the Chase branch and spoke to the manager regarding the information I had recieved. The manager said there is absolutely nothing she can do for me. Now she said that the atm and the bank branch were 2 separate entities. I asked for the contact information for the personnel that service the machines. She said she doesn't give out that information. I dont know what to do. The transaction happened directly in front of a camera. As im writing this i am in tears. {$400.00} is so much money for my kids. My intention was to begin shopping for the next school year and now I feel as though that money is gone and I have nobody to help me. Please help me. Please dont allow Chase bank to take my daughters money. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Accordance with the Fair Credit Reporting act 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 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 2022-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I filed a claim with Bank of America whom I have banked with for many years and have a preferred relationship with on XXXX. 

The purchase in question was made in XXXX of 2021 of {$350.00} with XXXX XXXX, a XXXX contractor who replaced a collapsed return line underneath my home. 

In XXXX, occupants of the home notified me of XXXX trouble that culminated in a replacement of the unit and a discovery of substandard install duct work that caused the line to collapse within 6 months of the replacement. The contractor who replaced the unit and line identified poor installation performed without ziplines, straps, and the presence of XXXX tape that caused the duct to collapse and XXXX in on itself. The resulting damage was {$500.00} for a new line and {$4300.00} for a new XXXX unit despite the old one only being XXXX years old. 

After working with the contractor, he simply pushed the claim stating it had been six months and that the tape was likely from an XXXX specialist. Since XXXX XXXX denied any responsibility for poor install as alleged by the XXXX contractor and independent review of pictures provided, I went ahead with Bank of America to file a claim. 

On XXXX, I received a claim letter dated XXXX with instructions to send in a detailed letter of my claim with supporting information no later than XXXX. I compiled a letter, invoice, sales receipt, pictures, text exchanges, contractor contact info, and testimonies and sent a fax on XXXX which was confirmed to be received that day. 

Bank of America on XXXX sent me an automated message to check the online claims portal and after checking, I found the bank had simply provided me a generic claim denial letter dated XXXX stating the charge was 'outside of their processing times, the physical location of the good/service, and attempts to resolve with the merchant. ' The letter concluded that I should simply resolve the issue with the merchant. 

Given that these reasons are opaque and generic, I have lost faith in Bank of America to back my purchases for goods and services against merchant malfeasance/misfeasance. Also questioned is whether Bank of America received my fax and if they did, a thorough review was completed of the information I provided. I tried calling on XXXX and simply was told that this department in question was closed and to try again Monday.

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 2023-05-12
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:
In accordance with the Fair Credit Report Act XXXX, Account : 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.

I don't know this company and I never sign any contract with this company. This account is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I notified the three credit reporting agencies ( XXXX, XXXX, and Transunion ) of a number of issues in the reporting of this alleged account with XXXX, that is the only derogatory account on my credit, that run counter to the stated purpose of the FCRA, specifically with regards to the requirement that reported data must be accurate and complete. The alleged account is still appearing on my credit after my inquiry to the three agencies, without most of these issues and discrepancies being resolved and so I write this complaint to the CFPB, hoping for a resolution with this account. 

The Date of Last Payment is not consistent across the credit reporting agencies. Transunion has it listed as XX/XX/XXXX, whereas XXXX has the reporting of that date as being XX/XX/XXXX. Transunion and XXXX have that last payment listed as {$0.00}, which is an odd payment amount for a last payment, and for it being {$0.00}, when Transunion has this account listed as OK for XXXX AND for XXXX in XXXX. XXXX has the account being in a status $ XXXX in available credit. Ive never even heard of a negative number for available credit. And if the account is a CLOSED account, as this is supposed to be, then surely this must be {$0.00} in available credit, not $ XXXX! 
XXXX has the terms listed as N/A, I assume Not Applicable, but on Transunion and XXXX they are listed as Paid Monthly. 
The account numbers have different listings among the three credit reporting agencies. XXXX and Transunion have the number as XXXX, while XXXX has it listed as XXXX XXXX, further inconsistencies. Which number is supposed to be correct? 
There is data missing in the reporting of the account as well, whereas the FCRA allows for the completeness of the data, Transunion shows missing data for almost the whole year of XXXX and XX/XX/XXXX. XXXX has almost the same, with the majority of XXXX data missing. 

Also, if this account listed is even legitimate, XXXX violated the law, never sending me notice of the account being in a derogatory status as per 15 USC 1681s-2a7Ai, the furnisher requirement to provide notice of listing the derogatory account within 30 days of placing that information in their credit file. They never did so. I never received any such notice. 
All three credit reporting agencies have the alleged account listed in the comments as Account closed at Customers Request. Since I am the listed customer that comment would indicate that I took action that I didnt. There is no letter, email or any communication from me making such a request to XXXX. This goes against the FCRAs requirement of factual reporting

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 2022-04-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is reporting inaccurate information on my consumer credit report and file. I sent in a letter to them requesting the immediate removal of the account from my file and report and they have not responded. The information is damaging to me as a consumer. Per U.S. Code 1681e ( b ) they should be reporting 100 % accurate information. How is an account accurate if it is being reported differently amongst the consumer reporting agencies? To top it all off, I DID NOT give EXPERIAN any form of written instructions to accept, furnish or report any information on my behalf! Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I asked them to provide a contract between them and me, notarized by a senior executive, showing that I granted them permission because no consent is identity theft and they never responded to my letter.

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 2023-07-21
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00}.

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 2022-07-27
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: Credit inquiries on your report that you don't recognize

Complaint:
I have perfect credit and was recently denied credit because of inquiries on my credit report. So I checked my XXXX XXXX  and noticed that I still had some inquiries on my report that TransUnion said was already taken off. They told me the steps they wanted me to go through and I did. I sent them the documents they requested & it still has not been taken care of. I don't know what else to do

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XXXX different ocassions, i was denied access to money deposited in checking account at jp morgan chase bank-XXXX XXXX XXXX ( the bank ), after the deposits had cleared and been made good funds. 
XXXX deposit was a cashier check drawn on another bank, XXXX. the other deposit was drawn on a local bank. in both cases, the checks cleared promptly. the bank would not release the hold it had invoked, and thereby denied me use of my money for a week. i registered a complaint and the bank rep that called told me, repeatedly, that the customer agreement that i signed allowed the bank to put a hold for up to XXXX days, and that i had no standing to complain. the bank has an unfair, anti-customer policy that denies the customer access to their money once checks have cleared. the bank is abusing the provisions in the customer agreement simply because it can, and surely reaps financial gain at the expense of its customers. this action caused me a loss of interest and other harm. i ask the cfpb to cause jp morgan chase bank to cease acting in this anti-consumer manner and allow banking customers to get timely access to their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My personal information was compromised and used to open fraudulent accounts and obtain goods and services in my name without my knowledge or consent. I have filed FTC reports for identity theft and contacted HARVEST ASSOCIATES Ito remove this account which was a result of identity theft and they refuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S. Code 1681After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted fro
m the file of the consumer.

( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-06-06
Company: Experian Information Solutions Inc.
State: IL
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:
This was not sent in error, I am XXXX XXXX a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items and 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