BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2020 I received a letter from CHASE indicating that they have a promotion available for me if I open a new business account and fund it with {$1000.00}. I went to the branch & the business account specialist told me I would recieve a BONUS of {$300.00} after opening a new account & maintain balance of {$1000.00} for 6 months. I did exactly what the specialist told me. In fact, I had over {$10000.00} in the account. After I realized that I only need to maintain a minimum of {$1000.00} to make the promotion valid, I went into the branch to withdraw the additional {$9000.00}. I immediately went into a CHASE branch and explained to a bank teller the situation & SPECIFICALLY ordered the teller to withdraw the maximum amount that will leave {$1000.00} in the account. A month later I recieve a statement indicating that my balance fell below the required {$1000.00}. The bank teller incorrectly withdrew more leaving only ~ {$990.00} in the account for whatever reason ( poor arithmetic skills, lack of training, intentional ). As a result, CHASE notified me that that could no longer honor the {$300.00} promotion. CHASE has used a loophole in their system to deny me my {$300.00} BONUS despite the fact that I instructed the teller to ensure that {$1000.00} is in the bank account f. I am requesting that CHASE honor their promotion & deposit the {$300.00} BONUS as I have honored my portion of the agreement. 

Business Name : XXXX XXXX XXXX Business My customer relationship with dates back many years so It is extremely disheartening to know that they will breach the contract for a simple {$300.00} bonus despite the fact that I have deposited millions of dollars over the the years. I am prepared to take legal action against CHASE for breach of contract if my {$300.00} BONUS is not applied. 

I want the CFPB to publish this complaint. I am requesting that the CFPB ensure that CHASE honor their contract or I will take legal action against CHASE for breach of contract.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I was promised by Child Support Enforcement that all the erroneous information would be deleted off my credit report. The account should say close and paid in full.

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 2018-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 bought a XXXX XXXX XXXX from XXXX XXXX XXXX XX/XX/2017, since then the battery has died on the vehicle 3 times already. I have had the battery checked and the battery cells are fine. So on Monday XX/XX/2017 I called and spoke with XXXX who stated that it sounds like the alternator is going out and that they can finance the repairs which will be in addition to the {$380.00} I already pay a month!!!!! That is totally unacceptable seeing that I just paid to register my vehicle XX/XX/2017! I would not recommend this lot to anyone. I have to choose between paying my truck note or paying for repairs which I can not do every 2 weeks! Let a long can I afford either missing work or being late to work especially when I am making my payments consistently on time! 

After going back and for trying to figure out what was wrong, being told by the delearship and others who had tested both my alternator and battery that stated there was absolutely nothing wrong with my alternator and allowing XXXX XXXX to replace the 2-3 batteries  that they replaced I was tired and over the whole situation and allowed them to have the truck back after 11 months of XXXX ... .So before they picked it up the manager over XXXX called and tried to rectify the situation by saying.. '' Mrs. XXXX as I understand you are a highly valued customer with a great payment history and we want to try and help you ''. Yes of course they want to help after they are not going to receive another payment. However at that time I was able to obtain a more reliable vehicle from a lot I know for an absolute fact will get the job done. 

I am upset at the fact that after paying on time for 11 consecutive months I have a repossession on my credit that I totally disagree with. Not to mention the text messages from 'XXXX '' after they had already had the vehicle to try and prove a point to say it was nothing but the alternator after so many times of me either missing work or going later for an alternator their shop said was fine. 

I would like the repossession that is being reported moved off of all my credit buerau reports that it is being reported to.

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 2020-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion : Requested verification of collection account from XXXX. Transunions XX/XX/XXXX responded with account has been verified by the XXXX. 
I contacted XXXX and asked for validation of the debt by requesting information allowed under 15 USC 1692g ( Complete payment history, the requirement of which has been established by Spears v Brennan, 745 N.E.2d 862 ; XXXX XXXX. App. XXXX  XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe ). When, XXXX XXXX responded they were not able to produce the information I requested, but produced a standard document by XXXX XXXX stating that XXXX XXXX had purchased the debt, but did not provide any additional information spelled out in Spears v Brennan. 
I forwarded this information to Transunion and requested a re-investigation under 15 USC 1681 along with response from original creditor and XXXX XXXX ( Collection Agency ) and requested that the account be deleted if it could not be verified by the original creditor " XXXX XXXX  ''. My recent credit report from Transunion still shows the " Unverified '' account on my report 15 USC 1681 As the Eleventh Circuit has held, Section 1681s2 ( b ) contemplates three potential ending points to reinvestigation : verification of accuracy, a determination of inaccuracy or incompleteness, or a determination that the information can not be verified.704 When its investigation determines that disputed information is inaccurate, incomplete, or can not be verified, the furnisher must, as appropriate, modify, delete, and/or permanently block the reporting of that item of information to prevent its re-reporting. 705 The statute establishes a default position that places the burden on the furnisher to verify the accuracy of disputed information.706 The FTC has therefore stated that [ u ] nless the furnisher is able to confirm the disputed item of information, it must cease reporting 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 explanation
Consumer complaint received 2020-04-12
Company: Experian Information Solutions Inc.
State: MO
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:
My identity has been compromised and reported. The aftermath of this has left me with unknown and unauthorized accounts reporting to my credit file. I've previously requested a Method of Verification and physical documentation for these accounts but never received anything. Again I'm demanding that these unauthorized accounts be removed and blocked from my credit file. 

1 ) XXXX  {$1100.00} 2 ) XXXX XXXX XXXX XXXX  {$420.00} 3 ) XXXX XXXX XXXX {$240.00} 4 ) US Dept of Education {$4300.00} 5 ) US Dept of Education {$7500.00} 6 ) US Dept of Education {$0.00} 7 ) US Dept of Education {$0.00} 8 ) XXXX XXXX XXXX XXXX {$21000.00} 9 ) 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 2023-10-20
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Please see the attached Email to the XXXX XXXX XXXX. All the details are in there. 


Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH
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 account is incomplete and not mine. I'm ever sure who the creditor is maybe as it's not displayed but impacting my score. Also, if they believe this is my account, please validation of debt. Account # XXXX Here is the Second account listed as XXXX but when I looked up the address it shows up as Fair Collections & Outsourcing for Account # XXXX. please provide validation of debt for this account as I'm familiar with it. 

I sent a certified letter to Fair Collections & Outsourcing requesting Validation of Debt as well.

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 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 2020-04-13
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:
I use to be an authorized user on a credit card of someone else. They took me off already because they planned on utilizing all the credit. So they took me off and used up all the credit and now that utilization is coming up on my credit report and affecting my credit score. 

The balance on the credit card is now {$XXXX} on a XXXX Double Dash. This is not my credit card. That's the balance as of XX/XX/2020. I think they withdrew it in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: TD BANK US HOLDING COMPANY
State: NJ
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 DID NOT AUTHORIZE THIS INQUIRY. The site says it will giveme an aswer in minutes which they did do. But they said it would be a soft inquiry. They instead did a hard inquiry making my score go down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXXXXXX XXXX Balance : {$550.00} XXXX XXXXXXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$3400.00}

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 non-monetary relief
Consumer complaint received 2023-10-24
Company: Affirm Holdings, Inc
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX, my identity was used fraudulently to obtain a personal loan from Affirm , Inc in the amount of {$670.00}. I became aware of this via email in late XXXX that a payment was due. I made phone calls to Affirm , Inc on XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. Each time I called and explained the fact that the account was fraudulently created and requested an investigation to clear my name of this issue. They promised each time to send an email follow-up to me within XXXX business days, but never did. I obtained case number XXXX on the XX/XX/XXXX phone call. Affirm, XXXX also reported my address as " XXXX XXXX XXXX, XXXX, AL XXXX '' as shown on my XXXX credit report. I never lived in Alabama and expressed this each time I called Affirm , inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I received numerous notices and calls from PennyMac to refinance our home which is currently financed through them. After I initiated a call to XXXX and spoke to XXXX XXXX who portrayed inaccurate information and extremely high loan costs to me while trying to portray how great of a deal this was. He almost had me convinced until I asked some questions and carefully reviewed the loan estimate documents and realized between the numbers he quoted me on the phone and included in e-mail were inaccurate and did not correlate to the loan estimate document. XXXX XXXX even portrayed or stated he was a vet which had me more convinced this was above board. Although Im not certain whether he was honest about his military service, based on my revealing and confirmed with my son and another mortgage entity that the loan costs were hugely inflated, the immoral behavior is simply inexcusable and as a consumer, I request action. I saved the emails and printed copies of the documentation he sent me. After I contacted my son who was in the mortgage business, I realized XXXX XXXX was overcharging us by anywhere between $ 8k and $ 10k in loan costs which I believe PennyMac and XXXX XXXX are returning those additional funds to the bank, lenders or loan officers pocket. I have notified XXXX XXXX to cancel our loan request but am concerned as to the security of my PII information and the unethical practices of PennyMac and its employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I recently reviewed a copy of my credit report inTransunion. It indicated that the credit inquiries were made by the credit companies listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report.XXXX Inquiry Date XX/XX/23, XXXX Inquiry Date XX/XX/23, XXXX Inquiry Date XX/XX/23, XXXX Inquiry Date XX/XX/23 and XXXX XXXX Inquiry Date XX/XX/23

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Absolute Resolutions Corp.
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
the dates are wrong on this account dates of last payment should be XX/XX/2018 and not date absolute bought the account and balance is not correct, need account number and name of company for my research ABSOLUTE RESOLUTIONS INVESTMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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:
The creditor is listed as XXXX account number ( XXXX ) is account is listed as charged off as of XX/XX/2017 for $ XXXX.This account is due to fraud and as already been removed one bureau its reporting on the other two despite sending multiple dispute with credible evidence sent.

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 2020-04-12
Company: Experian Information Solutions Inc.
State: NJ
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 was inquiring about getting credit or a loan. I filled out this form and it was said that they will do what is a Soft inquiry that would not make my credit score go down. They hit my credit anyway and now my score is lower.

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 2023-10-27
Company: FinCo Services Inc DBA Current
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This company is refusing to give me my money and refusing to reopen my account I have contacted them everyday and they refuse to respond to me or give me insight on my funds they need to unlock my account immediately and let me withdraw my money my phone is XXXX last four of ssn XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$10000.00} on the XXXX XXXX XXXX account. ( Please see the attached notice from XXXX XXXX. ) There were extenuating circumstances and I was forced to return the vehicle I was purchasing. On XXXX I received the Notice of Our Plan to Sell Property letter from XXXX. ( XXXX letter attached ). The vehicle was scheduled to be sold at auction on XXXX. The letter from XXXX clearly states : If we get more money than you owe, you will get the extra money, unless we must pay it to someone else. The vehicle was sold at auction for {$11000.00}. ( Attached is a copy of the Motor Vehicle Record dated XXXX. ) XXXX made a difference of {$1000.00} from the sale of the vehicle and therefore there is not outstanding debt. Please see below - XXXX  Sale of Vehicle = {$11000.00} Charge-off amount reporting = {$10000.00} Difference of = {$1000.00} The charge-off amount is LESS than the sale of the vehicle and therefore there is not outstanding debt. I am not requesting the difference of {$1000.00} however, I am requesting that these line items be removed from my credit report. This incorrect reporting of a charge-off is harming my credit. I have contacted the ( 3 ) bureaus to remove these items from my credit report however, I have not been successful.

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to recent suspicious activity related to my accounts, I am requesting an immediate fraud alert on my credit report. I believe I might be at risk for identity theft or fraud. 

Please find a copy of my [ identification, e.g., " drivers license '' ] for identity verification. Once the fraud alert is in place, I'd appreciate a confirmation from your end.

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