BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Thursday I went into the Chase Bank XXXX location and ask to speak with a manager. The manager than came out and I introduced myself to him he ask me my issue I explained to him that I didnt want to discuss my issue in the middle of the bank so I ask if he had a better location to sit down and hear my concern and issue so he directed me to a cubicle and we sat I said Im mad as XXXX excuse my XXXX he replied and said I dont tolerate that language I explained to him that I wasnt directly XXXX  at him Im just a lil frustrated because I dont know whats going on with my account and my money he begin to attempt to look into my problem he ask me for the checks and Id I only had my passport. He begun to explain the polices about why checks have holds and I explained to him that I was given a date that my funds were suppose to be available of XX/XX/2022 then on that day a hold was put on my the checks until XX/XX/XXXX which seemed to be odd to me. I also explained to him that I had been on the phone with representatives and the advised me to come into a local branch So I came into this branch to get clarity the branch manager got a XXXX XXXXXXXX  with me and said did you hear what I said and I replied no because the policy he was explaining to me didnt make any sense to what was in fact going on in my current situation so I replied Im just mad as XXXX that I have to even go through this and the branch manager closed up my passport and handed me back my checks and passport and told me that he could no longer help me I asked why and he said because I keep XXXX I replied what did I say XXXX XXXX XXXX Im not directing anything towards you he still wasnt trying to hear anything I was trying to say he got up we both had words back and forth with each other I had both my phones in my hand I ended up dropping one of my phones because I had to many things in my hand and as I went down to pick up my phone the branch manager XXXX at me. So my reaction was to XXXX him back he started yelling at me he to get out the bank so I complied and left and he called the police on meXXXX Since this incident all my accounts have been closed. I was stuck in XXXX on XXXX XXXX  I havent been able to eat I have XXXX kids not have I been able to pay my bills all an inconvenience because a man decided to XXXX at a woman for needing clarity with her account. Which the branch manager admitted to the The XXXX police Department who was called out. I talked to XXXX XXXX XXXX XXXX Report # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
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:
Due to the XXXX data breach, I was informed and have verified my info was used fraudulantly. 
I had sent and called to the credit bureaus to ask that the addresses to removed because they are not my residence., XXXX XXXX XXXX XXXX XXXX XXXX a business building and XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX a XXXX XXXX according to XXXX XXXX. 
I was told by XXXX they don't do investigations and wouldn't help. 
15 USC SEC 1681 ( i ) statess that I have rights to dispute and that the credit bureaus do an investigations and all info should be accurate and verifiable.

I believe my rights have been violated.

I am requesting the erroneous ccounts be deleted for I have never lived at those addresses or have knowledge of theses accounts. 
I have enclosed my FTC ID Theft Affidavit along with my XXXX settlemnt Claim # for proof. 
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 2023-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
The early part of this year capital one cut off all my credit cards by falsely accusing me of frauding my own account. To this day, when i reach out to get a reason why they can't fully explain why all my accounts with them got shut down. When my account was initially shut down I tried to contact them to pay my cards. but they wouldn't let me do anything kept telling me to wait until i get a notice in the mail. This occured while i lived in XXXX, GA. I currently live in XXXX XXXX, AR. Last month I received a lawsuit to collect a debt. I don't think how they shut my accounts down was civil and they shut down 3 other accounts because I was off by less than XXXX dollars paying one of my credit card bills. There was an unexpected transaction that hit my account when they tried to take the money out. I set up auto pay so I wouldn't forget to pay my bill. Plus this all happened during covid.This has damaged my credit score. All I wanted was to pay towards my balance and get my cards back, my stance is if they can't reactivate my cards, then they should remove all the negative remarks off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX WASHINGTON , DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$260.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$1000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$2900.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. XXXX 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. XXXX XXXX XXXXXXXXXXXX XXXX XXXX5 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. XXXX XXXX  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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX  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

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 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have been disputing information on my credit report with XXXX since XX/XX/2023. Since then I have also disputed these same items XX/XX/XXXX and XX/XX/XXXX. Giving XXXX 30 days each to furnish proof of the requested item I disputed. Each time within 5 days the account just come back verified with NO PROOF of investigation and NO PROOF of late payments or even the accounts as I requested. I also reached out to XXXX in regards to bankruptcies that are on my credit profile. XXXX said they are only showing XXXX XXXX XXXX  and XXXX is showing 3 bankruptcies. While my XXXX is not showing any bankruptcies. Also the XXXX account is showing as a charge off with a credit limit which is a reporting violation. The XXXX and Self account are showing late payments in which I asked for proof of late payments SEVERAL TIMES and have not gotten it. I am requesting that these bankruptcies, the XXXX, XXXX XXXX, XXXX and XXXX XXXX accounts are removed from my credit report ASAP as they have had over 60 days to complete their investigation and furnish proof.

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 2023-01-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have tried several attempts to get the XXXX XXXX XXXX to allow me my right by law to opt out and they have denied me several times. My first attempt took place on XX/XX/2022. Since then I have made XXXX additional attempts in writing and by phone. They have also denied me my right by law to know and understand how their unfair practices affect my daily life. Many companies use unfair and illegal tactics to deny you your rights by law to obtain bank accounts and credit. I have not been able to obtain credit for anything, not even secured due to their unlawful and discriminatory practices. 

XXXX states that it is illegal for the credit bureaus to not allow me to opt out of any information reporting to my credit report. They keep denying me that right. 

Debts and charge offs are certificates of indebtness by law and are forms of income. Income is not supposed to be reported on credit reports. 

It is unlawful to report transaction history. 

XXXX XXXX XXXX I have become homeless and not able to obtain a new home for me and my children as a result of consumer information bureaus breaking laws and being unethical. I also had lots of trouble obtaining basic transportation for me and my children due to the consumer information bureaus misrepresenting me on countless occasions to the banks, real estate companies, home financing, vehicle financing, business credit PG, and more. I have been humiliated, depressed, and no place to turn to. 

This misreporting has ruined my life. I made attempts to fix it in the past as well, but I am only reporting my most recent attempts.

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 2023-01-18
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On Friday XX/XX/XXXX i made two payments toward my card balance that would have brought it down to zero and freed up XXXX  in credit. Today is Wednesday the following week and theyve just released one XXXX XXXXXXXX payment and claim they cant release the other XXXX until the XXXX. Its the same XXXX the same bank account. The hitch with this card is that it gives cash back on purchases so if I charge and then pay off right away without interest they make less on me than other consumers. And theyve noticed it. The care rep on Friday said my account is on watch because I cancelled an auto payment because I paid early. They cant hold my payment for almost two weeks - that cant possibly be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I made phone calls on XXXX  occasions to get the information required, but tossed back and forth by different representatives. 

I sent them a fax regarding the requested document but still has not received any response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
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: Personal information incorrect

Complaint:
This bureau continues to publish information that is not mine on my credit file after I have disputed the information several time and asked them to remove the information. The bureau uses these variations of my name and different addresses to verify accounts that are fraudulently on 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 2022-11-27
Company: ALLY FINANCIAL INC.
State: DE
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:
ALLYFINANC - XX/XX/2022 XXXX ALLYFINANC - XX/XX/2022 XXXX ALLY FINANCIAL XX/XX/2022 XXXX I have never authorized Ally to run my credit i boughta car came with fin in hand use own bank contacted dealer as well as ally please remove there is no open accounts on my credit with ally as of XX/XX/2022

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 2023-01-11
Company: EQUIFAX, INC.
State: OH
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:
These accounts are incorrect and are adversely affecting my livelihood. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Credit Karma, LLC
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have applied for multiple Credit Karma offers that were " pre-approved. '' They did hard credit pulls, hurt my XXXX XXXX, made harder for me to get a card I was actually approved for. It was false advertisement to tell me I'm approved, do a hard credit check, then deny me or offer a lesser credit card offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

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 non-monetary relief
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: IL
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 submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$13000.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a collection account on my XXXX credit report that is inaccurate. It states I owe {$120.00} for a service I still have, that is open and active and I am making monthly payments. This is entirely unethical in so many ways. To have a collection account on an open active account that I have. I have called the originator and was told my account has never been put into collections. 

I would like this to be removed and deleted from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX i resquested a new vehicle loan thru USAA federal financial bank. The loan was aproved and i began serching for a vehicle. I got a deal for a XXXX  XXXX XXXX  thru a local dealer at XXXX XXXX XXXX XXXX and they send the documentation to USAA requesting the amount of XXXX for the above mention vehicle. USAA after several days without hearing from USAA i call them to inquire on the vehicle purchase and was told by them that they could not fund the vehicle even thought i have been approve for the amount because the paperwork sent by the dealer was in XXXX. The dealer also contacted USAA and were told the same thing. I proceeded to contact USAA and told the that since my dealer could not provide the require paperwork in XXXX i needed to cancel the loan. At that momente the person that anwer the call told me that i did not need to cancel the loan because the the 14 day period ofter requested was almost up and the loand would cancel itself at the endo of the period. I went ahead and funded the vehicle thu a local bank here in XXXX XXXX. In the begining of XXXX while reviewing my accounts i noticed that USAA funded the vehicle they told me that was not posible to fund due to paperwork. I contact the bank to inquiere of the situation and was told by then that in fact somebody made a mistake and funded the vehicle. They asked me to contact the dealer to return the money they send them with the interest accrued to the date. I have contact the dealer several times but the refused to pay the interes accrued as they were told that the vehicle could not be funded with the sent paperwork. On XX/XX/XXXX dealer sent a check for the exact ammount they were sent by USAA bank. I again contacted the bank on XX/XX/XXXX to verified they had received the check ( even thou i coukd see that the certified ups tracking shown that the check was receive ). And was told by then that i needed to wait a week to verified the check status. I waited a week and again contact USAA at that moement i was informed that the check was receive but since the dealer made a mistake writting the bank name it was not going to be cashed and they were going to send it back. I waited a week and contacted the dealer to inquiere on the sent check. I was told by the dealer that they havent receive the incorrect check and they needed in order to reissue another one. USAA had been contacting me asking for payment and threatebing to damage my credit score which until thsi situation had been in exelent standing.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I previously had a Fraudulent account on my credit report which was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was investigated by all 3 credit bureaus and was deleted from my credit report. 

To my surprise after checking my credit report this account suddenly shows back up on my credit report. I wrote all 3 credit bureaus on XXXX. 

First off this was not my account to begin with. Then it was deleted after fraud. 

Then it suddenly reappears on my credit report. 

However secondly I was never notified in writing within 5 days after this account was previously deleted which is a direct violation and again it wasn't my account to begin with which is why it was previously deleted. 

Please have XXXX XXXX, XXXX and Equifax Delete this account for it is a direct violation.

Company response to consumer: Closed with explanation