BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been contacting Chase Bank since XXXX asking for assistance with my payments. My credit card debt is due to unemployment and no medical insurance in XXXX for a life or death heath problem. XXXX weeks prior I got separated and lost everything and was in a domestic XXXX shelter. When I started working again in XXXX, I was making less than 50 % of what I was previously making and although I had insurance I was still paying a lot out of pocket so finances were still tight. I have been working with a credit counseling company since XXXX of XXXX and they were not able to offer debt consolidation but suggested I get a loan and liquidate my assets. I now have a loan that I can not pay either and liquidated XXXX retirement plans. Because of this I had to pay an additional {$8000.00} to the XXXX in XXXX that I wasn't anticipating and that is why I am falling so behind. I contacted all of my creditors back in XXXX and they all put me on the XXXX 0 % interest payoff plan and closed the account. Chase is the only bank that will do nothing to help me. I have spent hours on the phone with their customer service reps, and in the past month or so includes XXXX : XXXX minutes, they denied my request and told me to call back in XXXX days, XX/XX/XXXX : XXXX hour and XXXX minutes until their rep got frustrated and hung up on me, then XXXX  days later on XX/XX/XXXX : XXXX minutes and they told me I had to wait XXXX days, so recently XXXX I called back and the call was XXXX hours and XXXX minutes. On XXXX I went into a Chase branch, I explained that I am not getting anywhere with the call center and they recommended coming into a branch. The woman called the customer service number and once she told them who she was they asked to speak with me. She left the room for XXXX minutes while they told me on the phone they can not help me and I have to wait another XXXX days to call back. They are asking me about every single dollar I spend, like how much I spend per month on dining out, and I can not even afford groceries. None of my other creditor interrogated me like his and then told me I don't qualify for a hardship plan. I spoke with their consumer credit company and they also were not able to offer a solution either. I am also working with my City/County offices and they can not assist, I do not qualify for any type of assistance for rent or food, nor do I qualify for bankruptcy. In the past XXXX  months I have paid {$8800.00} towards a balance of {$9900.00} but I still owe them over {$5000.00} because of the interest. Because they will not offer me a payment plan my account is now past due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-10
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I requested a {$10000.00} refund on my last loan payment. That submission was on XX/XX/2022. I have since never recieved the refund nor my balance has been updated on the loan servicer website. My loan servicer within the recent years has been transferred from XXXX  to XXXX to Aidvantage and have never been notified of any transfers. I was told from Aidvantage that my loan info would update in their system in mid XXXX so I can inquire about why its taking so long for the refund. I called around XX/XX/2022 and no one has an update for me and I have since seen no refund or movement on my refund request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$540.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX  ) XXXX Balance XXXX {$690.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/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 XX/XX/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 an 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 2023-11-29
Company: EQUIFAX, INC.
State: NY
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax XXXX  XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE 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: Old information reappears or never goes away

Complaint:
I have done several disputes with the 3 credit bureaus to get old closed accounts permanently removed from my credit reports. There are old accounts that have have been closed for over 8 years that are still showing on 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 2023-01-02
Company: EQUIFAX, INC.
State: AR
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX AR XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$540.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$1100.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX ) XXXX Balance XXXX {$690.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX : {$700.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 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 an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
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: Information belongs to someone else

Complaint:
I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX Reason This collection is not my account. 
Not mine, I never had an account with this company. 
Not mine, I never had an account with this company. 
I never made a late payment on this account, please correct. 
I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

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 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2023 TransUnion, Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. All versions of names except my only Name " XXXX XXXX ''. All other versions are in violation. There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX XXXX, XXXX GA. XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGE OFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. 

There are multiple Hard Inquiries on my credit report that are NOT authorized, - XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/2023 There are multiple Soft Inquiries that are NOT AUTHORIZED : Per the FCPA as a protected consumer I have opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802. Those hits on my credit are not authorized and must be removed. The Charged off account and Collection account being reported on my credit MUST be removed. 16 CFR 433.2 & 313.7 - For all Accounts on my Credit Report that show payments to the account MUST be removed because it is ILLEGAL to report ANY transaction history on my consumer accounts to my credit report. I NEVER provided authorization for any institution to report my transactions. ALL current active accounts must be put to Paid as Agreed and remove all payment history, no payment history on any accounts can be shown.

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 2021-10-14
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit 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 paid XXXX for a procedure that i did not receive. the incorret procedure was done. i paid for it with XXXX on my chase debit card, XXXX on an XXXX  credit card and XXXX on second XXXX card. i put in a dispute for all cards. the card that was charged XXXX was paid in full the one that was charged XXXX still had a balance. the one that was charged XXXX was credited back to the account. the one that was charged XXXX was denied a refund because it was paid in full. i called to ask why one card got refunded and the other did not. i did not receive the service that i paid for and was actually injured by the procedure. when i called the credit card company and they stated to protect the MERCHANT, they could not dispute a charge that was paid in full. i sent them via certified mail, all of the documentation for my claim including medical documentation, my complaints to the Georgia medical board and the XXXX XXXX XXXX. they are refusing to credit my account. so i am basically paying XXXX plus the finance charge, for something that i did not receive. as a consumer i have the right to dispute a charge whether paid in full or not. they also threatened to close my account if i continued to make complaints. this would have an adverse effect on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
In XXXX of XXXX Hyundai bought back my car. In mid-late XX/XX/XXXX, I received 1 letter stating treat I had a balance left on my car due to leasing contract and the amount the car was sold for. On XXXX XXXX within a week of reviving the letter and after discussing with Hyundai why I was being build in the first place, I paid the bill. I have a paid in full letter backdated from there. In XXXX I was notified my credit was destroyed from a good to great credit score to poor. I investigated through lender tree and have applied for disputes. XXXX disputed and won removed derogatory remark, XX/XX/XXXX fought delinquent and won- they then put the derogatory mark back on my credit on XX/XX/XXXX, I disputed again and won and again fought on XX/XX/XXXX. Every month the same complaint gets out back on my card and damages my credit further even though I have spoke with Hyundai in video recorded conversations and they stated that the account was closed and paid in full since XX/XX/XXXX. I have a paid in full letter from Hyundai from my first investigation as well as my second. My credit is constantly changing and being affected by this company.

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 2023-01-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have fraudulent inquiries in my EQUIFAX credit report that Ive previously disputed with the bureau and dispute wasnt resolved in my favor and EQUIFAX verified inquiries to be accurate which is not true. Ive contacted all lenders of which inquiries I dont recognize and I let them know about possibly fraud. XXXX confirmed they will investigate and contact XXXX remove fraudulent inquiries and no action has been taken further. 
XXXX also sent letter confirming inquiries would be removed which I received XX/XX/2022. 
List of fraudulent inquiries : 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 I would like CFPB to help me resolve this issue and restore all damages done to my credit by fraudulent inquiries which I never authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, I am making this claim against chase because I personally deposited a check that the insurance company sent me on XX/XX/XXXX. They told me that the funds were going to be available on XX/XX/XXXX and it was not like that, they withheld the check. For the amount of {$5300.00} I am not sure exactly the amount but it was impossible to take the check or to cancel it I went directly to the bank without knowing it the check was not signed by First Acceptance insurance, but the one who received the check at the bank I change it without any problem. The 8 days passed that the funds would not be released until they contacted the XXXX XXXX company and they gave them authorization of all the telephone numbers they said that they did not give authorization when it was lies XXXX XXXX was willing to help me so that I could recover my vehicle. They told me a different story that every time I called that XXXX XXXXXXXX needed someone of theirs to go personally to authorize that check, that the number I provided was not from XXXX XXXXXXXX or that it was not authorized in the system I was so frustrated since my vehicle was in an auto body and paint repair shop that I called the insurance company to cancel the check or try to do something but it was impossible because they had already cashed the check in my account but it was withheld and my account was closed to this day I have problems, that's why I lost my job, the car was taken by the financier from the workshop because I had no way to pay the amount of the damage to the vehicle I don't have a copy of the check because I personally left it in the bank. This surprised even the people who work at chase because I told them that it was very strange why they didn't cancel the check or send it back. This is all because they kept the check using my funds without the ability to release the funds to me or return or give me the opportunity to get my funds back. 
I would ask you to please help me resolve this case since the amount of this payment arrangement is still owed to my account, my credit was damaged, there were many damages caused to me by this situation. now mimes I opened an account with chase with the hope that they will solve something for me and I deposited 2 insurance checks, XXXX for a XXXX dollars and the other for XXXX and they also retained the XXXX check I would like to please get help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, 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:
Om my equifax Credit report theirs 8 hard inquiries that are fraud please have equifax removed those hard inquiries I have a federal trade commission identity theft report on file social security number is XXXX

Company response to consumer: Closed with explanation