BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
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 do not have any accounts, personal or business with bank of america but there is a hard pull on my credit from XX/XX/2022 that I would like to get removed from my credit report please.

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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the credit Reporting act XXXX Account XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States i have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: OH
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 sent a dispute on XXXX and XX/XX/2023. I wrote them because I discovered after I obtained a copy of my Experian credit report that they are reporting inaccurate, unverified, and also incomplete information in reference to my personal information and also 2 XXXX XXXX XXXX XXXX  XXXX Aand # XXXX. Experian has claimed that the information was verified and meets FCRA requirements but has not provided me with proof that the investigation they completed was Fair, Impartial, and Reasonable and that they did not solely rely on information from the Furnisher because that is a violation of the FCRA 15 U.S. Code 1681i. I have asked for the procedure used to verify these accounts and Experian has failed to do so. Experian is also reporting an inaccurate and mathematically impossible payment history of this account. I was never late on these accounts and the information that Experian is willingly and negligently reporting on my credit report has not only damaged my reputation but has damaged my creditworthiness and my ability to access credit resources as I support my way through college.

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 2023-05-10
Company: Grant Mercantile Agency
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX. Amount for XXXX. Date of indentity theft XX/XX/2022. I was told over the phone that it would be taken care of but just received a call saying opposite.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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: Account status incorrect

Complaint:
In XXXX XXXX XXXX I made my mortgage payment 29 days late. Payment is due on the 1st of the month, I paid it on the XXXX of the month. Now, the lender is showing me as 30 days delinquent on my credit reports for my XX/XX/2020 payment status. 
The payment due was {$340.00}, and I made a payment of {$350.00}. 
The FCRA is clear on this matter : payments must be applied on the date received, not on the date posted. 
Therefore, the lender is in clear violation of the CFPB. 
I have disputed this issue with the lender previously. They refuse to update and remove the delinquent payment reporting. I have also disputed this with the credit bureaus, they say that they can not change the reporting unless the lender changes the status and updates them. 
NOTE : The lender at the time of the matter in dispute was XXXX XXXX Sometime after this incident, XXXX XXXX  bought out XXXX XXXX Sometime after that, XXXX XXXX  bought XXXX XXXX XXXXXXXX XXXX is the current lender who refuses to change the incorrect status of this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Due to coronavirus I was laid-off from my job in the XXXX  industry on XX/XX/2020, leading to a one-time missed payment of XXXX dollars on my Chase Bank credit card. JP Morgan reported this information to the credit bureaus on XX/XX/2020 which caused my credit score to plummet XXXX points at once. I have since brought this account current and I am ready to pay off my remaining balance if need be. I am XXXX years old and I have been a loyal customer for 4.5 years. I believe this has essentially ruined my credit unnecessarily at a very tenuous point in my relatively short financial history. I have tried to contact customer service since the reporting occurred and have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection on my credit report that I do not owe. It is for {$300.00} and it states that it was opened in XX/XX/XXXX for XXXX and then shows it is opened on XX/XX/XXXX for XXXX and Equifax. This debt does not belong to me. As you can already see this has inacuracies on one bureau it states the account was opened XX/XX/XXXX and on the other 2 bureaus it states it was opened XX/XX/XXXX and I did not get any open accounts in XX/XX/2018 because I was out of the country for a full month and returned in XXXX. I have never signed any contract with XXXX XXXX XXXX now or will ever sign a contract with them. I expect this company to delete this collection of my credit report as it is negatively impacting my credit worthiness and I do not have any signed contract with them per FCRA 15 usc section 1681i. I can not believe that such information is put into someones credit report with such inaccuracies and this is not validated by the credit bureaus. I demand the bureaus to delete this immediately followed by a credit report mailed to my house with the deletion of this account. 
Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.

2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3. Any insurance claims been made by any creditor regarding this account.

4. Any Judgments obtained by any creditor regarding this account.

5. Name and Address of alleged creditor.

6. Name on file of alleged debtor.

7. Alleged account number.

8. Address on file for alleged debtor.

9. Amount of alleged debt.

10. Date this alleged debt became payable.

11. Date of original charge off or delinquency.

12. Verification that this debt was assigned or sold to collector.

13. Complete accounting of alleged debt.

14. Commission for debt collector if collection efforts are successful.

Please provide the name and address of the bonding agent for " XXXX '' in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days from processing after I receive this information back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Rental debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I asked this company to send me any proof of my signature that I made for this inquiry/collections account made in my name I send a paper that my identity and information may have been stolen from the hospital I was in and they still havent send anything showing I was the owner of that collection or inquiry so Im demanding they remove this from my credit report because its hurting my score and stoping me from reaching my financial goals

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Fig Tech Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
First and foremost I would like to address my concerns with Fig Loans of Texas which Fig Loans refuses to acknowledge and refuses to resolve. 
1. Fig Loans of Texas ( Fig Texas ) Opened a Loan in an unknown time for $ XXXX {$200.00} Fig loans reports this as Deliquent monthly to the consumer credit bureaus. 
2. It was already reported to Fig loans that I did not receive any funds from this loan, It was opened with a checking account which is now closed due to identity theft, and a phone number that isn't associated with me. Additionally, This has been reported to fig loans and they refuse to do anything even with an Identity theft affidavit. This is a legal document that is honored by the FTC and sent to the FBI Regarding Identity theft.

3. Fig loans did not send me any documentation regarding this loan, I did not receive funds from this loan, Fig loans did not verify it was me that was applying for this loan. They did not send me any statement 's regarding this loan, I have not received any documentation pertaining to this loan, Yet fig is under the impression I OWE THEM FOR A DEBT they sent to some thief.

4. Fig Loan 's continues to FALSELY report the loan on to my credit report stating that the loan is deliquent and it increases each month. I never received any monetary benefit from this loan, and I refuse to pay something I didn't authorize. They never confirmed it was me applying for it. If they had I would have advised it wasn't me. They never contacted me, instead they attempt to collect a debt that I do not owe. I refuse to pay something that I did not open and I did not sign, and I did not apply for. This was not received by me, it was not applied for by me, and I NEVER AUTHORIZED THIS ACCOUNT. It's fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 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 item of 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 non-monetary relief
Consumer complaint received 2017-09-19
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have looked through my paperwork that I have kept. XXXX Compass Bank is asking me to pay {$1500.00} dollars remaining on the loan after they had sold the car along with {$1700.00} dollars. Repossessions Fee. I made a few phone calls and Compass bank had canceled the auto GAP policy and also the XXXX XXXX extended warranty and kept the money from that. The XXXX XXXX extended warranty cost {$2500.00} dollars and the GAP policy was {$350.00} dollars totaling {$2900.00} dollars yet they expect me to pay them {$3300.00} that just does n't add up I do not owe that amount. If I do the math and minus {$2900.00} dollars from {$3300.00} that would be {$420.00} dollars. As to why they are attempting to ask for more money than is owed just boggles me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: MI
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 submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my creit report. I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I was leasing a XXXX but decided to purchase it with a loan from Chase Auto back in XX/XX/XXXX. Registration for my car was due in XX/XX/XXXX yet I never received a renewal notice. Upon contacting the CA DMV they stated that Chase Auto incorrectly submitted title paperwork back in XX/XX/XXXX and that it was rejected the same day. No attempt was made to remedy the error on their behalf. I was unaware of the situation till XX/XX/XXXX and I have been calling Chase Auto weekly in order to try and get the problem resolved since I can not legally drive my car. Unfortunately there is no direct number for the department in charge of titling and DMV paperwork and each time I call I just keep hearing Oh theres no update on your account but a manager is working on it and it has been expedited. As of now the DMV states that no one from Chase has submitted anything at all which leaves me in the exact same situation since I can not register my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit 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:
Chase bank recently sent me a new credit card as the one ive currently been using for years was reaching its expiration date displayed on the front of the card. 

Credit card Chase Freedom Unlimited Ending in XXXX The new one they sent does not process any new charges & the account currently reflects as closed. Furthermore, the new card that arrived in the mail is valid until XX/XX/XXXX which is just a few months after the previous card expires. 

Ive tried reaching out to them about the issue but have not received a response on the matter. 

Ive been a card member since XXXX and have never missed a payment. This is causing major delays and is discriminatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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:
On XXXX I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX Balance : {$0.00}

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2022-02-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, at XXXX XXXX XXXX, XXXX, NY XXXX XXXX CHASE Bank branch , I deposited {$2500.00} in cash at the ATM. However, the deposit was not completed at that time, and a receipt came out of the ATM, but it did not show the deposit amount. 

On XX/XX/XXXX, I followed the instructions on the receipt and contacted the bank staff to explain the situation. On XX/XX/XXXX, my account showed ( Reversal : Missing Credit ClaimId : XXXX | See details of this deposit ATM deposit {$2500.00} ) But on XX/XX/XXXX, another {$2500.00} was debited from my account. On XX/XX/XXXX, I called the bank customer service again and they told me that they made a mistake. They thought I had deposited a check of {$2500.00} instead of cash., so further investigation is required. 

On XX/XX/XXXX, chase returned the XXXX credit in my account again. 

On XX/XX/XXXX, the {$2500.00} credit in my checking account was debited again. 

I contacted the bank customer service and they told me that I couldn't find the money and needed to call the monitoring department to check the XXXX. I then called the chase bank monitoring department, they said that they need a police report before they can check XXXX. 

So I went to XXXX Police Station XXXX and the police told me I needed to dial XXXX at the bank branch and the radio-dispatched the police to the scene. In the middle of XXXX ( should be the week of XX/XX/XXXX to XX/XX/XXXX ), I went to the bank branch. The bank staff said that they did not want me to call the police, and made an appointment for me. They called chase customer service to help me with this. On XX/XX/XXXX at 12 noon and the bank staff helped me contact the chase bank branch and she ended up copying my receipt, social security number, my ID. And she told me that she would report this to Chase, and they would conduct another investigation. The results will be available in about 10 days. 

On XX/XX/XXXX, the day before my birthday, I saw an update in my account activity ( XX/XX/XXXX, XXXX DUE TO ATM DEP ERR CORR XXXX Account transfer {$1900.00} ) My understanding is that they did investigate this case, and they did find some money, but it wasn't the correct amount which is {$2500.00} that I deposited at the time, but the {$1900.00} I didn't know how they find out. 

Later, I received a call from XXXX XXXX, TX a few days ago, XXXX. A staff told me that because my checking account is currently owed {$200.00}, I need to deposit at least {$200.00}, otherwise they will close my account soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been a customer of XXXX for over two decades. 

I had always used my own credit card. 

I was recently offered an XXXXXXXX XXXX XXXX via XXXX XXXX  with a promise of a " SOFT ENQUIRY ''. 

I accepted the offer assuming it was a Soft Enquiry. 

However, it is now showing up as a HARD ENQUIRY and thus adversely affecting my credit score.

I would not have agreed to the Card had I known it was not going to be a Soft Enquiry.

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