BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is in reference to chase claim number XXXX Fraudulent account with joint tenancy was opened sometimes in XX/XX/2021. Unauthorized transfers from Chase checking account, ending in XXXX were made between XX/XX/2021 to XX/XX/2021, in the total amount of {$140000.00}, to an account opened by fraudsters. 

Chase bank refused to assist in recover the stolen funds, after police report/identity theft complaints are received, along with the written documents of unauthorized ACH debits are received. 

Furthermore, Chase bank citing the claim was filed late, even though it's filed on XX/XX/2021, within 60 days from the fraudulent transfers, with the most recent transactions in XXXX and XXXX of 2021. 
As I have no way of accessing the account with the originator, since I'm not listed as account owner or signer, I was advice I have to contact the merchant directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with XXXX, Transunion and XXXX, I immediately noticed unauthorized inquiries and credit accounts on my report. 
I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate request for an update to remove all unverified and unauthorized inquiries and accounts from my credit report and ensure that your systems maintain the correct information. 

Please see all included documentation that lists my current and updated address, that I have lived for the past 15 years. Please remove any other address your system may have found. 



Unauthorized Credit Accounts to be Removed IMMEDIATELY : XXXX XXXX Acct XXXX XXXX XXXX Unauthorized Credit Inquiries to be Removed IMMEDIATELY : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the inaccurate information has been removed, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution. 

I look forward to hearing from you soon. 


Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2019-10-11
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I opened with Santander consumer USA on XX/XX/2013 it was 60-month loan at a very high rate and as time went along I was making monthly payments of XXXX and at times I may have fallen behind and the late fees were insane avg XXXX a month and having to pay the charges I was never able to get caught up I don't know how to get a record of how much I paid but just in the 60 months besides the monthly payments of XXXX x 60 equals XXXX and I would say another XXXX in overcharges now at the end they said I had a balance of XXXX approx and made me finance again for a 24 months because all the late charges and penalties I never got credit to the principal I just feel have been taken advantage of so for a XXXX approx loan I which I already paid XXXX now they want XXXX more with interest that XXXX dollars and I know im getting ripped off I wish I knew how to get a records of exactly how much I paid every time I called to complain I would get some slick willy giving me some crazy equation to justify why I hadto pay some crazy late charge I need your help hopefully erase what they say i owe bec ause I way over paid and show on my credit as paid off and not late only reason showed late because I was just paying late fees now its harming my credit and its not fair to always say they are gon na repo

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX OF NOTICED FRUADULENT ACCOUNTS DISPUTE RESPONSE! 
THE XXXX credit bureaus and the company named below took more than 45 days to respond according to the " FAIR CARES ACT '' law ALL COMPANIES INVOLVED ARE NOW IN VIOLATION OF THE LAW!! 

NAME : XXXX XXXX XXXX Balance {$13000.00} Balance updated XXXX XXXX, XXXX Original balance {$13000.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. Status updated XX/XX/XXXX Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

RESPONSE DISPUTE! 
15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2021-03-22
Company: JPMORGAN CHASE & CO.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There were unauthorized charges on my account, as well as my credit card data being stored on a company computer without my authorization allowing for a an unauthorized re-bill. When I attempted to dispute a debt, I was forced to complete a series of step in order to discourage me from disputing the debt. First I attempted online sign in, which now requires an eight digit code that and has to be written without seeing the numbers.

It also requires rewriting the user name and pass word.

When I attempted to dispute the debt online I was blocked. Next I tried calling the company only to be connected overseas to a person who said she can not help. This was after 5 to ten prompts with notices to try using the online app that does not work for this issue. I was then given another phone number to call but only could call it within a restricted time frame.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: IA
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 now my 3rd round of trying to resolve this issue with EQUIFAXboth XXXX AND XXXX have completely and fully resolved this issue if EQUIFAX does not resolve this issues promptly I will be seeking legal action. 
I have shown supporting evidence that I have entered into the XXXX XXXX FRESH START INITIATIVE PROGRAM and that my account XXXX XXXX XXXX Student Loan account # XXXX under my EQUIFAX credit report is continuing to report not ONLY a debt but even worse as being in COLLECTIONS. They are violating my rights under the federally protected consumer rights to privacy and confidentiality 15 USC 1681c. ( a ) ( 5 ) statute which states that no consumer reporting agency may make any consumer report containing any of the following terms of information, any adverse item of information, other than records of convictions or crimes which antedates the report by more than seven years. As well as USC 1681 s-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. Furthermore and perhaps MOST importantly EQUIFAX is violating my rights Under The XXXX XXXX XXXX XXXX in accordance with the Education Department which states ( 3 ) The negative mark of default on borrowers credit reports will be removed. 

( 4 ) Restored Loan Rehabilitation.Fresh Start doesnt affect the one-time opportunity to rehabilitate loans, granting borrowers another chance at rehabilitation if they default in the future.

( 5 ) Credit Reporting Changes.Starting in XX/XX/XXXX, defaulted loans held by XXXX are reported as current rather than in collections to credit bureaus. For loans held by a guaranty agency, this shift begins in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: OneMain Finance Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been getting the runaround from One Main Financial no matter how many times I call, including 3 calls today last week in one day. I get a different answer each time I call. I've called at least a dozen times and each time I get a different answer and no solution. They assigned me to a branch and when I called the branch, XXXX was very abusive and told me he was going to hang up! As of last week, I've tried to get a payoff amount and get the run around with that. They charge me 36 % interest. The new loan is going to save me 11 % interest and will not have to have a lien on my car! On XX/XX/XXXX their website indicated I have until the XX/XX/XXXX to pay it off, on XX/XX/XXXX, XXXX tells me I have one day to pay it off! Please forward this complaint to the CEO XXXX XXXX. So, he knows how dysfunctional One Main Financial Customer service is! The payoff balance today is more than I borrowed last year, XX/XX/XXXX and is {$10000.00}. 
I have repeatedly contacted OneMain Financial to provide the payoff amount by XX/XX/XXXX and the initial documents that the branch did not provide! I have called them ; emailed them, complained to the executives and the XXXX. The only thing they indicate at their website is that I qualify for another loan. Of course, they are strictly gold-diggers, they charge 36 % interest and still demand a lien on my car! They are costing me 36 % more for my loan! My credit rating was ruined with XXXX XXXX XXXX. I then found out who the liberal banks were, XXXX and XXXX Banks and now OneMain Financial! However, my score then was XXXX but one-time XXXX  In California don't pay me or my son, everything went haywire. I must get the initial documents, the payoff amount and to stop ignoring me. We're severely XXXX seniors ; thus, now a days, liberals don't have qualms about discriminating and victimizing seniors due to our XXXX, ancestry and age!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I notice some inquiries on my report that I did not authorize. Here are the list of inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-07
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Reviewing my credit reports as of XXXX XXXX XXXX, I noticed that an account named XXXX XXXX XXXX / Account # XXXX is reporting on my reports as " C '' for collections. I've never been notified by any agency/bureau/entity informing me that a XXXX XXXX XXXX is in collections. Furthermore, The reports reflect that there is No Data " ND '' for XX/XX/XXXX, based on the XXXX report. XXXX credit report as of XXXX XXXX XXXX reflects paid collections, while Equifax credit report as of XXXX XXXX XXXX, reflects multiple months of " ND '', and Paid Collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Sunrise Credit has called me repeatedly throughout day. When i did answer i asked for information about this alleged debt to be sent to me in writing. However before anything was sent to me this account is appearing on my credit report and they are tellng me it can not be removed. The only thing i can do is pay it and had it sit on my account. I have been a victim of identity theft before and it has been reported. They were not helpful i was young up on and transferred without event being told. I spoke with a XXXX who said there is nothing that can do even if the debt is not mine i have to pay it and it will look better on my account as a paid collection. This account is not event reporting correctly a collection account reporting a balance in inaccurate reporting. I also spoke with a XXXX and XXXX and being told i have to pay this debt they i did not get any verification for that it belongs to be. This collection account is detroying my credit and i want this removed. If they contiune to refuse i will take legal action due to them demanging my good name. 

Account number : 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 2022-10-03
Company: Experian Information Solutions Inc.
State: NJ
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:
To XXXX XXXX On XXXX XXXX ) I sent EXPERIAN a AFFIDAVIT RECEIVED on XXXX CERTIFIED MAIL # XXXX outlining how your company violated my rights as a consumer under 15 USC 1681. The subsections you violated are as follows : 1.15 USC 1681- ( a ) ( 1 ) 2.15 USC 1681- ( a ) ( 2 ) 3.15 USC 1681-a ( 3 ) 4.15 USC 1681-a ( 4 ) 5.15 USC 1681b. ( 2 ) 6. 15 USC 1681a ( d ) ( 2 ) ( A ) ( j ) - 7. 15 USC 1681a ( d ) ( 2 ) ( A ) ( ili ) - 8. 15 USC 1681a ( B ) -, I have attached the letter that I sent you before with this letter, I even attached a copy of the certified mail receipt that XXXX used to mail it. Your company responded on ( XXXX ) alleging that the accounts ) in reference were verified. Now I am exercising my right under 15 168li ( a ) I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you claim that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this is an investigative consumer report I am also exercising my rights under 15 USC 168la ( e ) I want to know exactly who you spoke with, and the method

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 2021-03-22
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid 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:
On XX/XX/21 I had new tires installed at XXXX XXXX XXXX store in XXXX, MN. Went to pay and card was declined. After 2 hours of phone calls at store and 3 attempts to use Citi Card, Mastercard, I was assured 3 times this would work. Being about 40 miles from home had no way to pay other than open a store card account. Fortunately i have EXCELLENT credit score and the card was from XXXX XXXX where i have a sizable IRA account. 
After i got home I contacted Citi Card and tried to have hold lifted. Seem like you have to have bank of phones with text messages. Have one but I use Caption Call so it has a different number than the phone 's XXXX number. It is for hearing impaired number with captioned dialogue. Have one at home on my VOIP Phone also. They refused to tell me why exactly the card was on hold other then security reasons. Last charge was autopay on the XXXX for internet service, but XXXX payment on Autopay was declined. XXXX waived late fees due to my longstanding as a customer and bill was paid online using another card from XXXX XXXX I had at home. This has happened in the past also at least 3 times the card was locked or number changed by Citi Card for so called security reasons. They do not tell you this or just let it go through and contact you. All charges are pended for at least 2 days or longer. This would be much more convenient to customer than leaving them stranded at store. It wasn't that i could just put the tires back on shelf and walk out. Please look into Citi Cards Fraud Protection Department for their policies and actions.

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 2023-05-07
Company: EQUIFAX, INC.
State: TX
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 am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: OK
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:
My student loan from the Department of Education is still open, although I was awarded XXXX and XXXX XXXX. Because I am a percent XXXX Veteran. The account should be closed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: DISCOVER BANK
State: NY
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 Discover, accounting ending in 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 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items. I demand these accounts be delated immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the 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 2023-04-10
Company: Experian Information Solutions 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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 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