BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
During the process of taking a mortgage for my apt purchase, Chase mortgage representative offered my a incentives to close on the mortgage. one of them was getting {$500.00} when 1 do 3 things 1.  Open a Checking account with Chase 2. Paperless mortgage statements 3. auto debit the mortgage payment from that account In the email I received from the banker with the details, there was no mention of a time frame to open this account within to qualify. Based on the benefits, I closed the mortgage with Chase. When I tried to open the account 8 months after closing, after 10 calls, Chase lets me know that I am not eligible as the time frame to qualify is only 60 days. They also let me know that they cant do anything as the banker who closed the loan with me is no longer with the firm. 

The XXXX cash bonus was one of the reasons I opened my mortgage with Chase and they not honoring what was offered makes me feel cheated. 

Not attaching mail proof as I have details on the mortgage. but have shared the mail with JP morgan. I can attach if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I opened an investigation to dispute unverified collection accounts reporting on my credit report with the TransUnion credit bureau. I disputed XXXX XXXX ( account # XXXX ), XXXX XXXX ( account # XXXX ), and XXXX XXXX ( account # XXXX ). I Mailed a request for validation to the 3 collection agencies and received nothing from them. I also sent a second validation letter in XXXX and received nothing from the 3 Collection. XX/XX/2020 I disputed the same3 collections with TransUnion again because the account was deemed verified in XXXX and I receive nothing in the mail about the dispute results or the investigation being open. a second time I received nothing from TransUnion in XXXX about the dispute results or that they even started an investigation and I received nothing from the 3 collection agencies after sending a second validation!. So how is it that TransUnion was able to verify these accounts? contacting the cfpb to see if they can get TransUnion to do a thorough investigation and remove the 3 collection accounts if they are not verified. Thanks

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 2023-06-19
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
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:
In XX/XX/XXXX I tried to resolve unwarranted charges with the collection agency Genesis who obtained the debt in question from apartments XXXX XXXX in XXXX Texas. I disputed the validity of these charges but XXXX XXXX nor Genesis was willing to come to an agreement with me to resolve the issue. As a result, Genesis placed the account on collection/chargeoff in XXXX of XXXX. I took an initial hit on my credit score, but as the year progressed my score gradually improved since this was the only negative account in my report. It is now XXXX XXXX and I noticed another drop in my credit score as a result of Genesis making a new report for the same old debt that has had no activity since the XX/XX/XXXX chargeoff. Genesis has changed the reporting date to XX/XX/XXXX as if it was a brand new chargeoff. It is to my understanding that under the Fair Credit Reporting Act, that the agency is not allowed to re-age my account to make the debt appear newer than it actually is. It is my impression that Genesis is using this new dating as an attempt to get me to pay this old debt that I do not rightfully believe that I am responsible for. 

I am disputing the validity of this debt, in addition to the reporting date of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: AFNI INC.
State: PA
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:
Afni , Inc. has been attempting to take actions against me in the amount of {$2000.00}. It is showing on my credit report that the account was opened XX/XX/22. 

The original account was opened with my card by someone else, against my consent, and they signed their signature to open up multiple lines with sprint, but used my debit card to pay at the time of opening the account. 

I tried to inform the original creditor, XXXX, of this and they refused to close the account, even after the same person who opened the accounts without my consent, stole the phones and hijacked the account. XXXX would not allow me to close the account or remove any of the phones from the line. 

I have requested proof and a breakdown of all of the charges on the alleged debt as well and was not provided with that information. I also asked for proof of the original contract and the name listed, as it was signed by someone else and I have not been provided with competent evidence that I have any legal obligation to pay Afni , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Frontline Asset Strategies, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have retained legal counsel and per the FDCPA I wish for all communication to cease and desist. I will be filing BK.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 like 9 hard inquirys from XXXX that I havent made or applied for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26
Company: Strategic Alliances, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
A fraudulent charge on my husband 's credit card was written off by XXXX XXXX XXXX ( the bank flagged it as fraud ) but they trashed his credit for this fraudulent charge. We have tried every avenue possible to get this taken off his credit report for XXXX  and Trans Union but the credit bureaus point to XXXX XXXX XXXX XXXX   points to the two credit agencies. It would take a single person 1 hour to remedy this situation but we opened a case with XXXX XXXX on XX/XX/2020 and a month later nothing is resolved. We are in the process of closing on a property where the lender will charge us additional fees of $ XXXX because of his credit score that has been trashed by this write-off. His credit is impeccable outside of this write-off as is mine. I have spent almost 20 hours working every possible avenue to fix this issue.

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 2021-04-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I sent Experian a letter via certified mail and received a signature upon delivery on XX/XX/2021 as shown by the attached signature image and a screenshot of tracking history provided by the postal service. I have needlessly sent a second letter to an updated address since I briefly believed that their failure to respond was due to not having received the dispute letter mailed on XX/XX/2021. However upon receiving the proof of signature by an agent, I now know that thats not the case. 

In both letters I demanded that 2 credit lines and 7 hard inquiries be deleted from my report since Under 15 USC 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

I never gave EXPERIAN written consent to report anything on my consumer report, no consent is identity theft.

In accordance with 15 USC 1681i. ( a ) ( 1 ) ( A ) - if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Clearly, federal law requires Experian to respond to my dispute within 30 days of the dated return receipt, which I have attached. They have failed to respond within that time period in violation of my consumer rights via the FCRA and must now delete the disputed items of information mentioned in the original letter, which I have also attached.

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 2018-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion File Number : XXXX. Account Name : XXXX/XXXX. Account Number : XXXX. On XX/XX/2018 I mailed a dispute to TransUnion regarding the credit item mentioned above. The dispute reason was " credit limit inaccurate. '' ( See attached copy of original dispute submitted. ) TransUnion received the dispute letter on XX/XX/2018. ( See attached certified mail return receipt. ) TransUnion provided me with the investigation results on XX/XX/2018 stating the information was " verified as accurate and updated. '' ( See attached copy of TransUnion investigation results. ) Thus, the inaccuracy remains on my credit file. I contacted the data furnisher, XXXX and received a response on XX/XX/2018. In the response letter, the data furnisher acknowledged the credit limit for this account is ( XXXX. ) ( See attached copy of letter from data furnisher. I have highlighted their acknowledgement. ) TransUnion 's investigation results contradicts the response from the data furnisher. Therefore, the credit item must be deleted because it is not 100 % accurate. TransUnion has violated the Fair Credit Reporting Act ( FCRA ). The FCRA does not allow the inaccurate reporting of information on my credit report. A reasonable investigation was not conducted and failing to comply with the FCRA is willful noncompliance. FCRA violations include section 607, 609, 611 and 623. Therefore, if TransUnion does not immediately remove this  account from my credit report, TransUnion will be subject to large monetary fines, plus punitive damages, court costs, and attorney 's fees, as well as complaints to the FTC, Florida Attorney General, and other state or federal agencies.

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 2023-09-01
Company: EQUIFAX, INC.
State: MD
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
On XXXX XXXX XXXX I submitted a dispute to a company called XXXX regarding a recent report provided by them to a potential landlord. On XX/XX/XXXX, I sent XXXX an email covering additional issues I had discovered while researching further about what was wrong with the report. I also submitted a complaint with the CFPB about XXXX, TransUnion, and XXXX ( complaint ID : XXXX ). 

Today, XX/XX/XXXX, I received an email claiming the XXXX XXXX XXXX branch of TransUnion had received my dispute, but failed to correct the issue claiming the " information was verified as accurate ''. 

TransUnion, as well as XXXX and XXXX, have a duty under 15 USC 1681s2 ( a ) ( 1 ) ( A ) to provide accurate information and 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. Without firsthand knowledge to confirm that the disputed information is indeed accurate, there is no way they could have verified it.

In accordance with the Fair Credit Reporting Act, TransUnion, through TransUnion XXXX XXXX XXXX, has violated my Federally protected rights to both privacy and confidentiality as enumerated in 15 USC 1681 ( Section 602 of the FCRA ) and The Financial Privacy Act of 1978.

TransUnion has further violated 15 USC 1681 ( a ) ( 2 ) and 1681a ( d ) ( 2 ) ( iii ) by creating, keeping, then furnishing my account and file without my written consent, and restrained trade in violation of 15 USC 1, and 15 USC 2. These actions have also violated 15 USC 1681a ( k ), 15 USC 1602 ( p ), and 18 USC 894.

These violations have directly and repeatedly caused my access to housing to be denied. Considering how badly people need homes and homes need people, this has been deeply damaging to my life, livelihood, safety, and happiness. 

Names Reported : 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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX : XXXX. XXXX XXXX XXXX XXXX : XXXX 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 an accommodation 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 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 2018-10-27
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 is missing that should be on the report

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, XXXX. XXXX # XXXX Account name : XXXXXXXX XXXX XXXXXXXX # XXXX Fraud Address : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, address, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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 2022-10-31
Company: MOHELA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
In XX/XX/XXXX I received a response from my loan servicer that my ICR plan application was denied due to the inclusion of Parent PLUS loans in my consolidation loan. Subsequently following that I received another response, that Direct Consolidation loans made prior to XX/XX/XXXX, that included Parent PLUS loans are ineligible for IDR plans. The FSA website AT THAT TIME stated that " parent borrowers may consolidate their Direct PLUS Loans or Federal PLUS Loans into a Direct Consolidation Loan and then repay the new consolidation loan under the ICR Plan ''. 

I have a Direct PLUS Consolidation Loan from XXXX. Although requested many times ( for purposes of obtaining a repayment plan that won't bankrupt me ), I have yet to receive an explanation as to the difference between a Direct Consolidation Loan and a Direct PLUS Consolidation Loan. For the most part, the Dept of Education 's website implies Direct Consolidation loans have an advantage in applying for certain programs, yet I still don't understand the difference. A consolidation loan is a consolidation loan. 

I would like an explanation as to why the discrepancy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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:
My identity was stolen and I ended up with an excessive amount of inquiries on my credit report, some duplicates where I never applied for credit from any of these companies, nor did these companies have my permission to run my credit.

Company response to consumer: Closed with explanation