BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: SC
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 sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposited my inheritance check on XX/XX/2023. I was told the funds would be available on XX/XX/2023. Theyre not available, and now there is not available date listed. Also the normal {$220.00} thats made available to everyone else when a check is deposited was not made available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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: CITIBANK, N.A.
State: VA
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:
I have made all payments on time. Due to an error with Home Depots payment systems, instead of spreading my two separately made payment across me two accounts they consolidated the payments to one account. This action made both accounts late. Once late, Citi bank continues to lower my available credit thus hurting my score by 80+ point or more over just a few weeks. I have contacted Citi Bank through Home Depot financial services and they refuse to resolve the issue. I have never missed a payment. My credit score was in the XXXX range an now sits at a bleak XXXX. This kind of thing cant just be happening to me. Amid the pandemic, as we get toward the end, big companies like Citi Bank ( who we bailed out with tax dollars ) should not be treating people in this way. It has effected my ability to seek employment opportunities, receive XXXX XXXX, and opportunities to make income to further pay off debts and basic needs. 

As a combat veteran I sincerely hope that you are able to assist me as well as go after Citi Bank and these actions on others as I am assured Im not the only one.

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 2021-10-13
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased a new car XXXX  account # XXXX XXXX. Just before the pandemic, I payed them on time every month and never missed a payment. I lost my job and used my savings account to pay my debts. I called them in more than 4 occasions to negotiate the terms and they said no. 
When I had a health problem I called them again and they make the notations an still no one listened. I When to different banks to refinance they all told me the car is XXXX down.. I called them to dispute the payment and went back to the dealership and they tried to put me in another car with higher price. So I told them I a returning the car volunteerly now they want me to pay them {$13000.00} that I don't have the already mess up my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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:
On XX/XX/, 2023, around XXXX XXXX, I deposited {$800.00} cash into a free standing Chase ATM machine at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Once I deposited the cash, the processing circle on the screen kept scrolling round and round. After a couple of minutes of no processing and no change, I pressed the cancel button, however, there was no change. I called Chase at XXXXXXXX XXXX and was on the phone for 15 minutes while still standing in front of the machine. The Chase representative asked me which machine I was at and how much money and in what denomination did I deposit the funds. I informed the rep that I deposited eight ( 8 ) {$100.00} bills. The Chase rep stated she was signaling the machine on her end and trying to get the machine to work or reboot. After several minutes of trying to get the machine to work remotely, the rep informed me that the machine was frozen and inoperable and that a chase servicer will go by later to service the machine. The Chase rep said that the {$800.00} would be credited to my account within 2 hours and it was. 

On XX/XX/, 2023, I saw that the {$800.00} was reversed. I called Chase and was informed that my claim had been denied as there was no overage at the machine. I was informed that there was no appeal process or ability to reopen the case unless I had a receipt. I reminded them that the machine froze and that no transactions of any kind were made due to the machine 's malfunction. I asked if the cameras filmed me depositing the money and the response was that they do not have access to the cameras. I asked if the Chase ATM machine service person was investigated for possibility of pocketing the {$800.00} when they serviced the machine and I was informed that Chase does not do that. 

Chase has stolen {$800.00} from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: FL
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'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 and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 is violating my rights per the Fair Credit Reporting Act ( FCRA ) because they have not validated the debts they reporting. I numbered some Transunion credit reports to refer to in this complaint. 

XXXX. I have sent several letters to Transunion ( four are attached to this complaint ) highlighted yellow requesting them to sent requested information ( a description of how the reinvestigation was conducted along with the business name, employee name, address, and phone number of the furnished of the disputed information, so I can follow up with them ) in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VL, Section 611, Subsection A-D. Transunion have never send me the requested information. I am requesting validation not verification. Please send validation of these debts 2. They took over 60 days to complete the investigation because they never sent out the information requested after the investigation per the FCRA.

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 2023-09-29
Company: Abbott Osborn Jacobs PLC
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have received 3 letters on different Private Student Loans and have 1 on a payment plan, the 2nd one they denied and yesterday I received a 3rd collection from XX/XX/XXXX. I know that there is a statute of limitations and there is no way that I can afford to keep doing payment plans. I have had XXXX twice and just starting to get up on my feet. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is refusing to fix the innacurate information reported on two closed charge off accounts from Capital One. My dispute is about date of first delinquency. I have paid both accounts every penny without any discounts or settlements. Both accounts were closed become delinquent in XX/XX/XXXX, I have paid both accounts in XX/XX/XXXX and Capital One reported {$0.00} balance paid after charge off. However in XX/XX/XXXX Capital One reported this back on my credit report as a date of First Major Delinquency XX/XX/XXXX causing my credit file to pickup as currently late and my credit score dropped 40 points for being currently late.How can they report as Date of First Major Delinquency XX/XX/XXXX if I don't have any balance on these two accounts and both accounts were closed in XX/XX/XXXX. I have called XX/XX/XXXX and Capital One both say they don't know why is this happening and they will look in to it but after investigation they don't correct issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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 2022-03-14
Company: CCS Financial Services, Inc.
State: AZ
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:
CREDIT COLLECTION SERV Account XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This is still showing as a collection. It shows as paid but needs to be removed from the collections section on my XXXX credit report only. I have spoken to them and they have told me they don't remove it which i'm fine with, but it needs to be moved out of the collections part and into the part that shows paid with other collections that have been paid but not fully removed if that makes sense. I don't think they understand this part and every time I call I get met with hostility.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Byrider Franchising, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The company is CNAC- car now acceptence company. They are trying repossessed my car and charge high interest on car loan. CNAC- engaged deceptive practice and charge very high interest rate for their cars. I am struggling pay for my car and threatening repossessed my car. I try to pay for my car and even made a couple of payments, they told me they will repossessed my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: LA
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:
XX/XX/2023 The consumer noticed that the accounts appeared on their credit report and the investigation never returned the information I was requesting about the accounts. The account are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This company is violating my consumer right to privacy according to 15 USC 1681b 2. The company also has NO permission to report ANYTHING using my info according to 15USC 1681 4. The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these addresses. And when I challenge these addresses, its called opening a dispute. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

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: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Chase bank reduced my credit limit for no reason even though they knew I was in the middle of my travels. Now my job, my health, my livelihood- all is on the line. They did this as a discriminatory / retaliatory action as a result of my XXXX  ancestry, which they should not be basing their financial decisions based on. There was no reason for the reduction of the credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'M HAVING ISSUES WITH THE CREDIT BUREAUS PROCESSING MY DISPUTE

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been a card member with Synchrony Bank for over a year. I have four accounts with them but the one Im having trouble with is my XXXX XXXX account. ACCOUNT # XXXX On XX/XX/XXXX my account was closed, I was reported to the credit bureaus for being 30 days late. I was in the hospital for 19 days during that time and the day I got out I called immediately and paid my Bill. While in the hospital my sister tried to call to make a payment and let them know I was in the hospital with XXXX  but they refused to talk to or accept payment from her. To make the situation worse I have cardholder insurance with them which protects me in a situation like this but they refuse to acknowledge that I have it even though I physically have the police in hand which I will provide to you if possible. I spoke to them twice today and no one is will to honor any of their contractual obligations. Again from reporting me being 30 days late while I was in the hospital it was them refusing to accept payment, they refuse to honor their card hold insurance policy that is in force.. please help

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 monetary relief
Consumer complaint received 2019-06-14
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: Was not notified of investigation status or results

Complaint:
I contacted XXXX XXXX about 2 months ago, in late XX/XX/2019, to dispute fraudulent charges on both of my credit card accounts and had reported to them that about a year ago, my identity had been stolen. I spoke to a representative and explained that I was only able to see less than a year 's charges on my account, but, I wanted to dispute the charges that I was able to see at the time and that I would call back after this investigation to request help in viewing the rest of the account that I could not view. I spent about 45 minutes on the telephone with the representative, while she asked me questions and took down the information for my dispute -that included the vendors, dates, and amounts. She stated that the investigation would take about 30 days and that XXXX may contact me regarding further questions, if needed ; and that I should hear back from them. I did not hear back from XXXX XXXX within those 30 days, except one email on XX/XX/2019 stating that they received my complaint ( but it was for only one account which ended in XXXX. The email did not have any mentions of the other account ending in XXXX. I contacted XXXX XXXX a second time, in XX/XX/2019, asking about the results and the representative stated that she would cancel the cards on the account, but without stating the results of the investigation. I contacted XXXX XXXX a third time, on XX/XX/2019, regarding update for the investigation, stating that I have not heard anything from them regarding the investigation. I was transferred to 3 different representatives, all of whom stated that there was no documentation in their system of my investigation, or that I had disputed any charges. One supervisor, name " XXXX '', whom was very professional and helpful, apologized that this had happened and stated that I put in another dispute of the charges and this time ask for the fraud department, once I gather the information again. XXXX XXXX handled my dispute of the fraudulent charges unprofessionally, never documenting that I put in a dispute, even after the representative had me on the telephone for over 45 minutes -supposedly documenting my dispute of the charges. XXXX XXXX is aware that my identity had been stolen and still not properly handle my dispute of fraudulent charges in a professional and resolvable way, leaving the charges on my account and having me pay monthly for charges that I do not owe.

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 2023-01-30
Company: BSI Financial Holdings, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was fined because BSI couldn't be bothered to deposit my check. Every check in my sequence was deposited by all vendors by XXXX, they didn't deposit the check until XX/XX/20 and fined me {$63.00}

Company response to consumer: Closed with explanation