BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I went to a Chase ATM on XX/XX/22 around XXXX and deposited {$220.00} dollars in cash. The ATM gave me no receipt and my account did not update with the cash deposit online. I noted the Terminal ID on the screen : XXXX. I've sent messages through my online banking profile with Chase about the issue. I'm also currently on hold with customer care. 
I was on hold for XXXX minutes when someone finally answered, I told them the problem, and then they immediately put me back on hold with no explanation of a possible solution or what next steps would be. It's now been an additional XXXX minutes of hold time. I understand that my complaint may be premature and possibly may be resolved by Chase... but I'm taking no chances. I can't be on hold all day as I have to leave for work at XXXX and it's currently XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Experian Information Solutions Inc.
State: MO
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 has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for 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 non-monetary relief
Consumer complaint received 2022-12-04
Company: CITIBANK, N.A.
State: MD
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:
Im writing to dispute information on my credit report. 
This information, in my credit inquiries from this companies : XXXX  XXXX XXXX, inquired on XXXX ; XXXXXXXX XXXX  XXXX XXXX on XXXX ; XXXX, XXXX on XXXX ; XXXXXXXX XXXX XXXXXXXX, inquired on XXXX ; XXXX XXXX NA, inquired on XXXX ; XXXX  XXXX on XXXX ; XXXX XXXX XXXX XXXX XXXX on XXXX ; XXXX XXXX inquired on XXXX ; XXXX XXXX XXXX, inquired XXXX XXXX ; XXXX BANK, inquired XXXX XXXX ; XXXX XXXX, inquired XXXX XXXX XXXX XXXX XXXX, inquired on XXXX ; XXXX  XXXX inquired on XXXX ; XXXX XXXX, inquired XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX BANK, inquired on XXXX XXXX XXXX XXXX XXXX, inquired on XXXX XXXX XXXX XXXX  XXXX, inquired on XXXX ; XXXX XXXX XXXXXXXX, inquired on XXXXXXXX XXXX XXXX XXXXXXXX,, inquired on XXXX ; XXXX is inaccurate because I did not request credit with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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:
by law, under the FDCPA, a credit reporting agency must make sure, without a shadow of a doubt, that ALL information being reported is accurate and precise so that the consumer is being protected and provided for. my information is private and is NOT TO BE SHARED unless i consent to it!! In order for any consumer reporting agency or 3rd party debt collector to use ANY of my private information, they must have several things on file ( 1 ) MY WRITTEN CONSENT SIGNED AND DATED ( 2 ) AN SSA XXXX FORM ( 3 ) THE CONSENT FOR RELEASE OF INFORMATION FORM and the DEED OF ASSIGNMENT, also the FULL ACCOUNTING FROM BEGINNING TO END OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE AND NOT SOME STATEMENTS OF ALL VITAL INFO. IDENTITY THEFT HAS BEEN COMMITTED AND FALSE REPORTING WITH MULTIPLE LAWFUL VIOLATIONS. just a few for complete clarity ; 15 usc 6801, 6802 and 6803. probably the most important statement in this correspondence is MY WRITTEN CONSENT and 15 usc 1681 ( c ) -2, IDENTITY THEFT. Everything pertaining to credit worthiness is centered around the Social Security Number, so in conclusion the Social Security Administration governs my information according to the 2 items i specified above and Congress governs ALL LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act, the below accounts have 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 15 U.S.C 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. 


Subject Accounts : XXXX : account # XXXX XXXX XXXX : account # XXXX XXXX XXXX : account # XXXX XXXX : account # XXXX XXXX  : account # XXXX XXXX XXXX XXXX  : account # XXXX XXXX : account # XXXX XXXX : account # XXXX XXXX : account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have sent multiple notices to the American Express headquarters addressed to XXXX XXXX. i sent the first letters around XXXX or XXXX and until now they have not credit my account. the remittance coupon i received from my statement I signed with the beneficiary signature or at autograph. I even sent a cover letter notarized. at that time the amount was for around XXXX until now they have yet to credit my account. I sent this first letter certified mail with a returned receipt so i know they received it. they wrote me back saying i don't need to make further payments and that an investigation is ongoing. i called to check because it took awhile for them to respond. they wrote me back up saying they need proof of money order my bank account and some nonsense. i knew this was a stalling tac tick. I wrote them back saying this is an attempt to settle a debt and that I have already provided them with all the information. on the online portal i also send them a cease and desist letter explain that they are engage in trust fraud and they can be fined XXXX they closed the online investigation and completely ignored me. they had the audacity to wrote me back saying they have the right to report to the credit bureaus that i owe them due to my terms and agreement but t I am not an employee so their policy does not apply to me.Policy does not override law then I sent them another letter explaining i am a sovereign and I am the original creditor and the banks do not loan money. they are the debtor they double dip in our XXXX XXXX XXXX trust and expect us to pay again plus interest. in my last letter to them i wrote on the remittance coupon money order on it per they requested. pay in order to the united states Treasury signed my autograph with the uniform commercial code. ucc 1-308 ucc3-603 ucc 3-104 ucc 3-306. Because of their GREED they refused to credit my account. in the same letter I gave them ( Debtor ) has three ( 3 ) business days from the date of postmark on this mailing to POST the enclosed MONEY ORDER, the remedy regarding this matter. In the event Debtor fails to provide a remedy, whereby Debtor will be stripped of all immunity the UNITED STATES public policy may have otherwise afforded him. Upon dishonor, Debtor agrees in the alternative to Involuntary Bankruptcy that will be initiated on Debtor in a private capacity ; In the event Debtor dishonors, Debtor agrees to be placed on a UCC-1 Financing Statement with the Secretary of State, as the Debtor and attaching to it the Invoice ( s ) and any or all fees pursuant to the enclosed Fee Schedule No. XX/XX/2022. 
Money order. ( XXXX ) A negotiable draft issued by an authorized entity ( such as bank, telegraph company, post office, etc. ) I also sent them notice of liability

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-06-08
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
I sent in disupte letters to dispute inaccurate information regarding my credit report. These accountXXXX XXXX XXXX XXXXXXXX XXXX and orignal creditor plus more accounts were showing multiple inaccursies across the board for each account from date opened, acct number, account status and remarks. Since FCRA law states I can dispute any information I feel is inaccurate i sent to all bureaus my reasoning for my removal request. I also sent in letter the FCRA law explaining their responsibility of maxium possible accuracy reporting and how they failed to follow the law, I have not heard or seen any type of repsonse to the letters I've submitted over 30 days ago. So i sent out another and made them alert that I was notifying you all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: M&T BANK CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/22, I called M & T bank in an attempt to close all my existing accounts. I was told my account was inactive, which is fair since I haven't used it in awhile. I was put on hold while a supervisor helped me unlock my account. Then I was told the account can not simply be closed, but instead I had to decrease my balance to {$0.00} first. I went onto XXXX in an attempt to buy a gift card with the remaining balance in my checking account of {$0.00} and the transaction was declined. I attempted again and this resulted in another decline. In my final attempt to clear my balance, I tried logging into my account after I confirmed my username and used a temporary password the phone operator had given me. I still can not log in. I just can not believe the resistance I had to push through which ultimately ended up in failure. It is pretty ridiculous I have to contact the CFPB and waste everyone 's time when all I want is to simply close all my M & T 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 2022-09-23
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recieved notification that I had collections for an electric bill in texas with XXXX XXXX Phone # XXXX ( XXXX ) XXXX The report came from Transworld Systems Inc XXXX # XXXX The electric company is located in Texas. I live in Washington and have for several years The collections company sent my bill to my washington residence. Once I contacted them and pointed out the difference in states, they immediately told me to report as fraud and informed me that they would remove from my report. It has been several months and I have called multiple times with no resolutions. I've also called the electric company and they can confirm that it was fraud but nobody has taken the steps to remove me from the debt. Both companies today have told me to make a report with this website

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: All State Credit Bureau, 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:
Im entering this complaint on the basis of Defamation of character frauds identity theft Knowingly and without lawful authority causing damages to my reputation excuses for making these accusations false claims and transferring my private and public information is unlawful without my written or authentication of original signature or document is required and if not provided is unlawful and against the rights of FCRA For me as a consumer Im requesting an opportunity to cure with original documentation of such misleading information about my private & public information. All inquiries need to be removed all charge offs need to be removed because they are income and income can not be reported on consumer credit reports. 
All original documentation should be presented after investigation anything such of copies are considered counterfeit in the law of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I have not received a favorable or satisfactory response from Bank of America, the bank allowed them to commit fraud and steal {$4900.00} from my account XXXX for one year and 51 days as of today, all claims were made to the bank offices of America with my attorney 5 months ago and still without a response, this scam that the bank did to me has harmed me economically and morally, affecting my reputation and hindering my work, I insist with this complaint before this prestigious financial consumer protection institution of the government federal government of the United States of America to help me resolve this very serious situation and assert my rights by obtaining the return of my money and compensation for the damages caused by the Bank of America in the face of this fraud, apart from the theft of the money, the bank opened an account in my name which I never authorized, identified with the number XXXX, allowing the theft of my identity, which is why I ask for compensation from the bank in the face of this serious situation and the return of my money, the bank returned the money but without further ado he has not done anything about it nor has he given any signs of compensation for the loss of business, payments, which he put me through, leaving me as irresponsible for not being able to make the payments on time because I did not have the money because the Bank of America did not return my money

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 2023-05-23
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately XXXX XXXX XXXX XXXX - XX/XX/2022 - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX - XXXX - This is not mine- this belonged to a patient who is no longer living. Remove this from my report. - Please remove it from my credit report XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - Please remove it from my credit report

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 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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: Investigation took more than 30 days

Complaint:
XXXX XX/XX/XXXX mailed a to XXXX XXXX and Transunion regarding information about inaccuracies on my credit report here is the letter that were sent and no response back. 
I've also sent proof from the courts showing don't report to the agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX Previous address : XXXXXX/XX/XXXX, XXXX,XX/XX/XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Attn. : Consumer Relations XX/XX/XXXX To Whom It May Concern, I have previously disputed this item with you XXXX and in the response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 16811 ) and the information must be deleted immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract all accounts that you post on a credit report. 

Please see my reasons for dispute below :XX/XX/XXXX XXXX Bankruptcy Case Number : XXXX Please delete from my account immediately. 



I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


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 non-monetary relief
Consumer complaint received 2022-09-23
Company: Global Lending Services LLC
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:
Global Lending Services has agreed to remove the late payment and it will reflect on my credit report within 15 days, we have this in writing. It was removed immediately the next day from all 3 credit bureaus after they agreed. But then the late payment reappeared again in a few days. This is causing a major dip and confusion on my credit report and goes against what was agreed. Today makes 15 days and the late payment is still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Sunlight Financial LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Purchased solar system from XXXX XXXX XXXX XXXX XXXX. They have closed. We were in the middle of getting problems with the system worked out when they abruptly closed. Our roof leaks, didn't get blown in insulation like we were supposed to. Have not saved on our electric bill as promised. Don't qualify for tax incentives as promised. There is numerous Breach of contract issues. XXXX XXXX XXXXXXXX XXXX XXXX got us approved through Sunlight Financial for the loan. We feel they are just as guilty!!!! We want our loan expunged or forgiven for the faulty equipment and Breach of contract!!!!

Company response to consumer: Closed with explanation