BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Account Name : XXXX XXXX XXXX Account Number : XXXX You are reporting this collection with a past due amount of {$830.00}. 
This is inaccurate reporting and needs to be removed immediately. 

You are also reporting this collection account as active when it was voluntarily closed by me in XX/XX/2020. Once a consumer has voluntarily closed an account, it MUST be reported as such by credit furnishers and credit reporting agencies.

Please send me a copy of my credit report when the above deletion has been removed.

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 2023-03-24
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
It was around beginning of XX/XX/XXXX when I realized I could no longer access my account online, and a few days later received a letter saying that Citibank has closed my account ( for reasons unknown? ) and therefore my card has been disabled and I no longer have access to my account. I asked about the funds remaining in the account ( XXXX roughly ) and they said that they would be issuing a check after 60 days. They told me to call back after XX/XX/XXXX to confirm this. After waiting and not seeing or hearing anything about my balance I called back on XXXX they told me that they didnt have any information on my account and I needed to call them back next week as some of the department wasnt in the office. I even went in to a physical branch location and they said they could not help me and that I had to call the number on the back of my card. I have tried several more calls and just getting the runaround, no one can tell me anything and as my last call 2 weeks ago they said wait you will be receiving a letter from us regarding the status but as of today theres been no letter from them and still no one can tell me what happened with my balance and how I can get my money back. Please help me sort this thing out ASAP Im at my wits end with this issue as I really need my money back Im not a rich person and that money I was relying upon for bills etc. please let me know what else you need from me to resolve the problem with this checking account that was closed by Citibank and will not give me my money that was remaining in the account.

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 2023-05-15
Company: EQUIFAX, 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 9th 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 alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX UT XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Harris & Harris, Ltd.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a text message from Harris & Harris on XX/XX/ which read as follows : " [ last name ], Harris & Harris is a debt collector for The Government of Washington DC. To Pay : [ web address ] or call XXXX. STOP to stop, msg & data rates may ap '' I called during business hours the same day, spoke with a woman, and requested they send a letter validating this alleged debt. She verified my information including mailing address, phone, and email. She noted they would share details, and I have received no subsequent contact via call, text, writing, email, etc. for more than ten days. 

Either the debt is in fact not valid, as I suspect, or they are delinquent in notifying. Unnecessary hassle, at best, if it is at all legitimate to begin with. There is a likely scenario where this adversely impacts my credit reportingwithout warrantabsent government intervention, in light of the significant delay and lack of details on the side of the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Tha items are listed below that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX Balance : {$4800.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXXXXXX Balance : {$630.00}, XXXX XXXXXXXX Balance : {$0.00}, 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 2018-06-12
Company: JPMORGAN CHASE & CO.
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I'm in the process of trying to close a Checking and Savings account for my deceased father. The bank is JPMorgan Chase Bank. 
My father lived and died in XXXX and I live in XXXX, where there isn't a Chase branch for over 200 miles ;  therefore I've had to try to do all of this via phone and mail. 
My father passed away on XX/XX/XXXX, which means it's been over 7 months and I still haven't been able to close his account and have the funds dispersed to me, his legal next of kin. My father was ill for years leading up to his death and accrued thousands of dollars of medical bills during that time, which remained unpaid at the time of his death. 
I've called the Chase Deceased Processing Group numerous times to attempt to obtain instructions, information, and to follow up on this process since XX/XX/XXXX, without success. I've talked to a different representative each time, none of whom were able to answer my questions or who seemed to have any information about my dad 's account or my attempts to close it. 
Since XX/XX/XXXX, I have mailed the Deceased Processing Group the original Death Certificate from the state of XXXX, included a letter of instruction for what I want done with the funds and included my signature, as well as mailing an official Affidavit for Collection of Personal Property and having it notarized three separate times, due to supposed " errors '' made on the document -- according to Chase bank, this includes missing information or the form being filled out incorrectly. After sending out the third attempt at the affidavit on XX/XX/XXXX, I waited a month without hearing or receiving anything only to call and have them tell me they " never got it. '' That phone call took place today, XX/XX/XXXX. 
I made copies of this most recent signed, notarized affidavit and have them in my possession. I have a receipt for the day I got it notarized and mailed it out. They are now telling me they need the original copy, which I guess either got lost in the mail, or they lost, or are just claiming they never received so they don't have to process my request. 
I can not afford to wait any longer, or keep getting the same document notarized over and over again without any direct communication from the bank that they are actively working with me to resolve this -- it's become quite clear that they have no vested interest in helping me recover what's left of my father 's money so I can mourn his death appropriately and be provided with some closure. In fact they appear to be doing the opposite. 
I have never had such a negative experience with a company in my entire life. More importantly though, what they are doing is morally wrong. They are profiting off of their deceased account holders and taking advantage of their grieving families.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions 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 items information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-17
Company: Experian Information Solutions Inc.
State: NY
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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

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 2023-08-12
Company: Affirm Holdings, 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 status incorrect

Complaint:
I missed my XXXX payment with Affirm. In order to catch up, I made two payments to Affirm in XXXX. On XX/XX/XXXX I made my final payment to Affirm early before my XXXX due date. Affirm reported to XXXX that I was late in XXXX. They also reported no available information for XXXX. Then Affirm reported XXXX as being late even though I paid off my bill early before my XXXX due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: U.S. BANCORP
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 have literally for XXXX years been dealing with US Bank regarding a charge with XXXX. They sent me XXXX TVs, back in XXXX of 2021. I contacted XXXX letting them know about it, and they told me just to keep the TV. Then I realized I was charged for it. I contacted XXXX about the charge and they said we will make not of it, just let you credit card company know US Bank, that you'll be disputing the charge. Apparently the associate gave me the wrong information and should have told me to send it back. Which is irrelevant. I actually still have the extra TV that I only took out the box for space, that is still in the plastic and has never been used. US Bank sends me a letter saying they can't help me when I've been getting the run-around from them and XXXX for XXXX years and I spend thousands of dollars at XXXX. Next we have this horrific fraudulent rental car company called XXXX XXXX XXXX that has illegally charged at least XXXX of my credit cards {$270.00} when I have prepaid for the rentals. This is literally fraud and they know it and should be criminally charged. Because they did so without my authorization, saying it was just for a hold when I've prepaid all of the rentals. US Bank, just denied to handle the dispute while my credit card continues to be reported late, assessed late fees and more. I am so sick of these companies behaving like loan sharks. And here 's the kicker, every time I speak to anyone, whether it is US Bank, or XXXX XXXX XXXX, I've recorded the call or transaction EVERY, SINGLE, TIME. So the evidence and proof that I have is indisputable. The worst part is that I am someone with a XXXX XXXX XXXX XXXX and it takes so much to have to go back and forth and deal with these people. But, guess what? Now I'm taking my power back and reporting all of these companies that are behaving like it's the wild wild west. And that's the very reason I record everything, so you can't sit there and lie. And now, I will be taking each and every XXXX of them to court if need be. I have an XXXX, I've worked for the XXXX XXXX XXXX and the XXXX. And I'm about to work for the XXXX as a federal agent. So if they think that they can simply take my money, and allow fraudulent charges to remain without doing a proper investigation. I will sue you and see you in court. The can all join the XXXX XXXX  XXXX XXXX XXXX. I'm over it.

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT Top Inquiries Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on your credit file for up to two years. 
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX Miscellaneous Department and XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX  Commercial Banks XX/XX/XXXX TransUnion XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX Commercial Banks XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX Installment Loans XX/XX/XXXX TransUnion XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX 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 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

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 2023-05-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : 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 2023-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 purchased coins from merchant. The coins that were delivered were not what I ordered. 
I returned the coins to merchant. Merchant did not refund or reship the correct coins. I attempted to resolve this with merchant several times. Merchant did not respond. I filed a dispute with Capital One. I sent to them proof that I returned the coins, ( tracking number ), and I sent pictures of the coins that I received. XXXX finally refunded back to my card, see attached receipt received from merchant. Despite several letters to Capital One they have refused to credit my account. Even going so far as to claim that I did not file the dispute in a timely manner, this is not true, see attached letter from Capital One dated XX/XX/2023 acknowledging the dispute. Merchant has issued the refund, yet Capital One has failed to refund back to my card. I don't have the coins and I don't have the money.

Company response to consumer: Closed with monetary relief