BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-23
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a small business, I opened a business checking account with Chase business account services on XX/XX/2021 online, a confirmation email was sent to my XXXX  ( see XXXX XXXX- congratulations we approved ... '' ). I immediately deposited several checks which were accepted as evidenced in screenshots of my messages from my online Chase portal ( see " secure messages 1-4 '' ) totaling XXXX USD. 

On XX/XX/2021 one of my clients attempted to pay me by XXXX. This payment was rejected ( see " secure message 5 '' ). When I next signed in on XX/XX/2021 there were no longer any accounts listed ( see " secure message 6 '' ). Chase made no attempt to contact me to explain what it did with my money which had been deposited ( see " secure message INBOX '' and XXXX XXXX XXXX XXXX '' for evidence that there was no communication from Chase regarding the closing of my account. ) I responded in the online portal and was a given a number but no explanation ( see " secure message 7 '' ). 

I went to the local branch where I was told that the checks were made to a trade name that I had not listed on my application and that documentation of my trade name would be necessary to release the money to me. I provided all relevant documentation and was told my money would be in the mail and that it would take 10 business days in late-XXXX. At the date of this writing the money has still not arrived and I have been to the local Chase branch ( XXXX XXXX XXXX XXXX, XXXX, MD XXXX ) multiple times where I have been told verbally several different requirements. Branch workers have told me they can not provide any of these requirements in writing and so I have no documentation of anything as Chase has been unwilling to give me a written explanation of why my account was closed and my money seized and not returned or of any deficiency in my LLC documentation. 

I have called the number given to me by branch staff ( XXXX ) to ask for written documentation of any aspect of the process by which our account was closed, our LLC documentation was given, what issues there were with the said documentation, etc... I spoke to XXXX XXXX who is a Supervisor at the Chase Fraud Hotline who said he is unable to provide documentation in any written form as to any aspect of the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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:
I am writing to strongly and formally express my absolute dissatisfaction with the violation of my consumer rights as outlined in 15 U.S. Code 1681 ( a ) ( 4 ) and other related sections. XXXX, XXXX, and Transunion have unlawfully and incorrectly reported the following accounts without my expressed authorization : XXXX * ( XXXX ) Account Name : US DEPT OF ED/XXXX Account Number : # XXXX XXXX * ( 4 ) Account Name : US DEPARTMENT OF ED Account Number : # XXXX TRANSUNION * ( 4 ) Account Name : US DEPT ED Account Number : # XXXX * ( XXXX ) = ( XXXX accounts each bureau ) This serious breach of 15 U.S. Code 1681b ( a ) ( 2 ), which clearly states that a consumer reporting agency may not furnish an account without my explicit consent, and 15 U.S. Code 1681c ( a ) ( 5 ), which explicitly prohibits any consumer reporting agency from disseminating any consumer report containing any adverse item of information other than records of convictions of crimes which antedate the report by more than seven years, is completely unacceptable. Furthermore, they have violated 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) and 1681s2 ( a ) ( 1 ) ( B ), which both dictate that a person may not provide information concerning a consumer to any consumer reporting agency if they are aware or have reasonable cause to suspect that the information is inaccurate, or have been notified by the consumer that specific information is inaccurate and it is, in fact, inaccurate. Consequently, my credit report is now adversely affected by these accounts, which I have asked for proof and verification of multiple times, yet to no avail. I am confident that these accounts can not be authenticated, as I did not attend any school in 2019. I adamantly demand that the bureaus take immediate action to delete these accounts from my credit report. As a consumer, I am entitled to a fair resolution of this matter, and the only way to accomplish this is to remove these accounts from my credit report. I sincerely thank you for your prompt and decisive attention to this matter.

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 2021-12-24
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: Account information incorrect

Complaint:
This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my Identity IQ report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hello my name is XXXX XXXX and I am a victim of identity theft. There is information on my consumer report that is a result of identity theft. My rights to privacy have been compromised instead of protected through the Fair Credit Reporting Act. I did not provide written permission or instructions to be reported on my consumer report. 15 US Code 1681 c-2 states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than XXXX business days after the date of receipt. 18 US Code 1028A states that whoever knowingly transfers, possesses, or uses my information, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. I am requesting that the reporting of this information be BLOCKED AND DELETED. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
Account Number : XXXX  Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Account Number : XXXX Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. 
You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

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 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX Balance : {$53000.00}.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX This account is listed as being 30 days late on XX/XX/XXXX & XX/XX/XXXX I have never been late on this 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 non-monetary relief
Consumer complaint received 2022-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
1.XXXX XXXX is reporting my capital one card with a credit an inaccurate credit limit. XXXX XXXX is reporting that capital on cars have an over 2 000 dollar credit line which is not true. These accounts are well under 2000 credit line. 
2. XXXX XXXX is also reporting all capital one card accounts muliple times 3. XXXX XXXX is reporting closed capital one as closed open o - time. muliple accounts as closed open. The closed accounts are not active and with no usage but is being reported as open. 
4. Both of this actions have a negative impact on my credit vintage and XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/21 I paid the entire balance due on an XXXX store brand card. The total was {$11000.00}, much of which was a deposit for furniture that would not be delivered for months. Due to quality control and delivery problems, I canceled and returned almost all of the purchases beginning XX/XX/21. On XX/XX/21 I requested a refund for a credit of {$3700.00} to be mailed to our new address. The bank said they had to send it to our original mailing address from when we opening the card. Comenity Bank said they would issue a refund in 7-14 days. The didn't actually issue the check until 22 days later, on XX/XX/21. Because it will need to be forwarded to FL, we don't know if it was received or not. 
On XXXX we called Comenity Bank to find out the status of the new refund of {$3100.00} for items returned since XX/XX/21. The told us no refund will issue until we actually cash the first refund check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
This item is not correct and is causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2023-08-04
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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
Company: Experian Information Solutions Inc.
State: IL
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 never applied for this account for XXXX XXXX. Can you please remove it it is fraud.

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

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-03
Company: NEW YORK COMMUNITY BANCORP INC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have online banking and for the last 3 months I have been having problems signing into the account. For the last three months I have to call the bank and going through them asking me the same question all over again why this is happening I don't know. My feeling is they want me to close my account and I am not going to do that.I have been in their system for over 5years Or more so why should I do that. The bank is Roslyn Saving Bank division of New York Community Bank XXXX NY. I need help with this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am seeking validation of the alleged debt. I have attached a letter. I attempted to send a letter out through the portal on are around XX/XX/2021. I do not recall having the alleged debt and never did business. Please validate with a signed original contract also the contract with the alleged original creditor within 30 days under the Fair Debt Collection Practice Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Thaxton Investment Corporation
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: Old information reappears or never goes away

Complaint:
Hello, I have a false collection account that showed up on my XXXX credit score as of today, XX/XX/XXXX. This false collection account shows up as : XXXX XXXX XXXX XXXX  The original creditor for this account is : SOUTHERN FINANCE/SMC Southern finance is a loan that I took out on XX/XX/XXXX. 

On XX/XX/XXXX XXXX EST, the account was PAID IN FULL for the amount of {$1100.00} and the company agreed to update the remarks on the account as " Paid '' on my credit report. 

However, as of today, the account shows that it was mysteriously " purchased '' by a debt buyer ( XXXX XXXX XXXX XXXX  ), which brings me to my original comment. This new collection account shows up with the following comments : " Collection account. {$860.00} past due as of XX/XX/XXXX. '' This is incorrect, it is illegal and I worry that this has re-aged the already PAID IN FULL collection account with SOUTHERN FINANCE. This item must be deleted from my XXXX credit report as soon as possible as it is affecting my ability to qualify with potential lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: NV
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:
15 U.S. Code 1681i - Procedure in case of disputed accuracy there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 



i need accurate data points 15usc i1681i this can not be 60 days past due, the payments were deferred for 6 months, this needs to be corrected XXXX XXXX XXXX XXXX XXXX XXXX ( Installment ) Accounts - Summary XXXX XXXX Experian Last Updated XXXX, 2022 XXXX, 2022 XXXX, 2022 Payment Status Pays account as agreed Paid or paying as agreed This is an account in good standing Worst Delinquency 60 days past due 60 days past due No update received Balance {$30000.00} {$30000.00} {$30000.00} Credit Limit XXXXYEAR PAYMENT HISTORY OLDER DEROGATORY EVENTS MORE DETAILS

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 2021-12-23
Company: ALLY FINANCIAL INC.
State: AZ
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:
Contacted XXXX XXXX in XXXX Nevada to purchase a XXXX XXXX XXXX. I was lead to believe the vehicle was in stock and that we were working a deal on a vehicle they have. I told the dealership that I had my own financing through XXXX XXXX XXXX XXXX and a preapproval letter through XXXX  XXXX but they are high interest and that I do not want to use them. The sales person asked for my social to verify my preapproval and that he may be able to get me a {$1000.00} rebate from XXXX XXXX. would not be a hard inquiry. I do not want inquiries on my credit and would not sign anything allowing so. nothing was presented. Then they told me they have an approval through XXXX  XXXX. They ran my credit to 5 banks without my approval whatsoever. nothing signed. nothing allowed. with very clear instructions not to do so. They Lied and according to their online reputation I now see that this scammy behavior is common practice. on top of that they sent a purchase order, asked for a deposit and secured it for purchase. then when it came in lied and said it was damaged and it was really sold.

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