BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking account with JP Chase Morgan was compromised and the second I discovered a fraudulent check was made for {$500.00}! On XX/XX/XXXX I made my bank aware of it. 
I reported it on XX/XX/XXXX. I went into my bank and opened a new account with the branch manager XXXX. Opening up a new bank account is never easy because I have to notify so many accounts that I have automatically deposited and withdrawn as you can only imagine because I have had this bank account for so many years. 
My funds were to be transferred over to my new account. The funds were never transfer to my new account and my old account now was frozen. I was without access to any money for a few days and I could not have it resolved over the phone. 
I then went back into my bank and after hours I finally had access to my new account. My old account which was compromised was to be closed and as of today I found out it was NOT closed as it still remains open because I was notified that I have two charges of {$34.00} of insufficient fund fees. 
After all this and waiting to hear a response regarding this fraudulent matter on my account I expecting a call or a letter which I did not receive neither ... .so I called Chase XXXX 
I was told that my dispute of this fraudulent check being made was not only not investigated it was simply DENIED??? 
The reason was because I did not report it in time? My cutoff date was the XX/XX/XXXX and I reported it on the XXXX. I then asked to appeal the denied response which they did and I called back in a weeks time and it was STILL not only NOT investigated it was just simply denied again and a representative by the name of XXXX said there was absolutely no way to open the claim back up. 
I have banked with Chase for many many years and as a valued customer I would have believed that I would have been protected of any fraudulent matters on my account. I respectfully request that they honor me a 4 day grace period of reporting this fraud because I contacted them the minute I discovered it and I ask that they help me get my {$500.00} back. 
I am reaching out to you the Consumer Financial Protection Bureau in hopes that you can help me protect the funds that I have lost. 

Sincerely XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-30
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:
TRANSUNION furnished a consumer report in my name including a bankruptcy discharge, which was obtained and provided without permissible purpose pursuant 15 USC 1681b ( a ) ( 2 ) ; such actions also violate my right to privacy under 15 USC 1681 ( a ) ( 4 ). In addition, TRANSUNION neglected to provide me with accurate/relevant information on the direct source of bankruptcy information pursuant 15 USC 1681g ( 2 ), 15 USC 1681i ( 2 ) ( B ). Nor did TRANSUNION conduct investigation pursuant 15 USC 1681a ( e ). As a result, TRANSUNION is civilly liable for these violations.

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: NAVY FEDERAL CREDIT UNION
State: FL
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 XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 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 Code 1681a - Definition ; rules of construction- Exclusions -- Except as provided in paragraph the term " consumer report '' does not include -- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card or loan account under an open end consumer credit or loan plan as late for purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
This is my 3rd Complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. These are the inaccurate accounts that I want them to correct : XXXX XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX XXXX Balance : {$24000.00}.

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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2022-11-05
Company: SYNCHRONY FINANCIAL
State: CO
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 this creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy 15 US WSC 1681 section 604a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions on the 15 US CS1666 be a creditor may not treat a payment on credit card accounts under an open and consumer credit plan as late for any purpose

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 2019-07-25
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: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX I tried to apply for a loan at my local bank and they notified me that my credit report was perfect except for a card that was taken out in XXXX of 2021. It is from Citi cards CBNA and was charged {$1600.00} in XXXX of this year. The card never had a payment made and is in deliquency. 

I did not apply for or receive that card. 

XXXX XXXX I tried to log on to Citi cards using my social security number saying I forgot my account number. I was trying to get information about the card. Citi website said " that social security number does not match anyone in our accounts '' I contacted Citi on XXXX at XXXX XXXX  and spoke to XXXX who then transferred me to XXXX. I explained the situation to her and she said because the card is not actually mine they can not give me any information about it. I pressed her because they say it is mine and she gave a few details as she questioned me. 

The card was opened in Ohio. I have never lived in that State. 
They used an old 15-year-old inactive phone number. 
The account has the wrong SS number. 

Wrong address, wrong phone number, wrong email, wrong SS number. and yet Citi approved the card. 

I asked how Citi could open an account with so many errors on it and she said " I can not comment on that sir '' I want it taken off of my credit report and they said it will be investigated and they will call me. It has been a week and no one has called and when I call the number they gave me it basically says we will call you. 

No one has contacted me. 

I want this taken off 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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2021-03-22
Company: Experian Information Solutions 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:
Hello, This complaint is regarding XXXX XXXX XXXX and their Class Action Settlement for Predatory Lending with Multiple States last year in XXXX. Within this settlement, it states that XXXX agreed to relieve loans and help repair the credit of individuals affected by their predatory lending practices. This was for auto loans placed between XX/XX/XXXX through XX/XX/XXXX. 

This auto loan has caused significant damage to my life, living situation and being able to take care of my children. Although I've received communication from XXXX that I am included in the settlement, XXXX continues to report harmful inaccuracies to my XXXX and Experian credit reports. XXXX still calls to collect on the debt that they report as charged off and late every month. 

XXXX took advantage of my desperation and ignored the debt to income ratio locking me in an upside down loan from the start. I'm suspicious that the dealer may have potentially manipulated my application unknown to me. Putting me in this horrible situation. Now this has been 4 years of not being able to get credit, a home or progress so my children can have a better life. I am in college and working towards a better life and this is severly affecting my small family. 

XXXX and Experian are both reporting completey different things for the XXXX XXXX account. It's harmful and defamatory to my credit profile. I have reached out to XXXX several times with no resolution from them. They report different names for original creditor, dates and most of the information. They report that the account is charged off and report late payments every month. Life is HARD when you can't get basic credit. 

The only fair resolution is for XXXX do what they agreed which is to relive the loan and the XXXX XXXX account be deleted from all the credit agencies and bureaus. I also ask that all collection efforts cease and this account not be sold or transferred to any other collection agencies or debt buyers. 

Thank you in advance for your timely assistance in 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 explanation
Consumer complaint received 2022-01-31
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I informed bank of america that i had not made these transactions and they said nothing was wrong with transactions. I had informed them of my identity theft from me in which they fail to adhere to. I am currently unemployed and bank of america has allowed the money that was awarded by a judge to stolen and dose not want to fix the problem per efta i have 3 daya to get a response on which i didn't

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 2022-11-05
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made a purchase from JC Penny on XX/XX/2022 and was billed for payment due on XX/XX/2022. I thought that by law billing payment cycles are at least 21 days. I paid the bill because I didn't want to have a late payment on my credit report. I also read Synchrony Bank terms for credit card holders and it quotes that billing cycles are from the XXXX to the XXXX of the month, or from mid-month to mid-month. ( Your credit card statement will outline the billing cycle and terms. ) are XXXX thru the XXXX of the month.

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 2021-12-17
Company: Bread Financial Holdings, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account with XXXX XXXX XXXXComenity Bank  , a department store credit account. The store closed and there was no forwarding information regarding the last of the bill I paid in full. While checking my credit report, I see that they added this to my credit report and I paid this in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-29
Company: Nelnet, Inc.
State: MD
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:
NelNet Lns is showing me late when i have never been late. When the account in XXXX was placed on my credit I was in school. And they placed a late on the report. I called them and they agreed to remove it and then a month later they placed it back on. I am asking for them to remove the late and the mistake they had placed on my report immediately. It shows i am late XXXX XXXX XX/XX/XXXX at 120 late. At best it would only have been 30days. But i was NEVER LATE. I have attached a copy to this complaint to look at.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: GA
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 contacted Experian on XXXX, to dispute fraudulent/unrecognizable items I found on my credit report by mail, on XX/XX/XXXX, I got my dispute results saying that some of the items I disputed were deleted, today, on XX/XX/XXXX, around XXXX XXXX XXXX, I noticed that Experian had without my knowledge or permission unknowingly opened new disputes for some of the deleted items on my credit report, and claimed they were verified about 4 hours later. I tried to contact the company about it, the fraud department service lady on the phone line said that this was nothing and to disregard the opened disputes and the items should be deleted, so I did and went on about my day, and a few hours later I get an email notification saying the disputes were updated and the accounts were somehow validated. This is unacceptable, Experian is the only agency who claims to have verified the items. I have gotten no documentation from either Experian or from the original creditor that proves the items in fact belong to me, nor did I authorize them open a dispute on my behalf without my knowledge or permission. I have every right to believe this debt is not mine, and I have documented everything. Experian is also the only agency who didn't add a fraud alert on my credit file with my previous letter and also is reporting an address I have never lived in, misinformation on 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 non-monetary relief
Consumer complaint received 2021-03-21
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Numerous occasions I have sent letters to the credit reporting agencies asking that these debts be validated and to no avail my letters were ignored and updated on my credit report! I have asked the agencies and the debt collection agencies through written communication to either validate these debts and/or remove them from my credit report and they have not responded nor have they deleted these accounts from my credit reports! and they are as follows : XXXX XXXX XXXX for {$320.00} Reporting on XXXX ACCT # XXXX Merchants and Medical for {$320.00} reporting on XXXX ACCT # XXXX Lanier Collection Agency {$280.00} reporting on XXXX ACCT # XXXX XXXX XXXX XXXX {$1400.00} reporting on XXXX and XXXX ( XXXX has deleted this account from my credit report ) ACCT # XXXX XXXX XXXX XXXX {$640.00} Reporting on all three ACCT # XXXX AFTER DOING MY DUE DILIGENCE AND RESEARCH I FOUND THAT MERCHANTS AND MEDICAL AGENCY IS NOT LICENSED IN THE STATE OF FLORIDA TO ATTEMPT TO COLLECT A DEBT FROM ME NEITHER IS THE LANIER COLLECTION AGENCY AND XXXX XXXX XXXX LISCENSE IS EXPIRED! 
NONE OF THESE AGENCIES HAVE RE4SPONDED TO ME IN THE LAWFUL TIMEFRAME AND THEY HAVE NOT SENT ANY CORRESPONDENCE TO VALIDATE THAT THESE ACCOUNTS BELONG TO ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: EQUIFAX, INC.
State: MS
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/2021, I mailed a letter requesting an investigation about inaccurate accounts listed on my credit report. It has been two months and I still haven't received results of an investigation.

Company response to consumer: Closed with explanation