BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
So back in 2021 I was going through a finical hardship I lost my job because I suffered a work injury. I had 2 checking accounts and 1 saving account with Chase. I ended up becoming over drawn with my account by about roughly {$1700.00}. At the time I was unable to pay it all at once so chase closed my account. Earlier this year I tried to open another account with Chase and was successful upon making a payment towards my debt. I got a settlement back in XXXX and went into a Chase branch to pay off my debt. I paid the banker cash and was told my account will be clear. How ever I recently tried to open a account and was instructed to call customer service, when I spoke with them they told me Chase was no longer doing business with me and that I still have a balance on my account which I told them I paid it cash inside the branch. I would either like my cash back and interest because I was taken advantage of by the branch banker. I would like to also be able to bank with Chase again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am in a chapter XXXX bankruptcy and advised that my credit report should not be pulled by anyone other than home mortgage lenders that would need trustee approval. I do not know why this information was pulled

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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've already had problems with Transunion and XXXX updating my name on my report after reporting me as my father for years. Now that they've recently done so they're giving me problems about removing inquiries that aren't mine or attached to any reporting tradeline of mine. I initially tried to have them removed which led to the discovery of them inaccurately reporting so I had to go back and forth about that in order to start the inquiry disputes. Now that I've done what I'm supposed to do on my end they're telling me to contact the original creditors ( which I've done ) and they're giving me backlash and the run around about the inaccurate inquiries.

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 2023-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft in which it has resulted in multiple accounts of different varieties has been opened in my name. I have been reporting this information to XXXX, XXXX, XXXX on numerous occasions. They each have failed to investigate this matter properly. I sent in a XXXX letter requested that all items be removed and yet these items still remain on my credit report. All items have been reported to the FTC as well. I have sent in my ID SSN and also letters requesting to remove incorrect information off my correct. My rights are being violating by XXXX, XXXX, XXXX and Im in the process of seeking litigations. There are multiple inquires wrong names and address and fraudulent accounts located on the credit reports. I was also told that there is another account from another person with a similar name who's information was merged with my account. XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2022-01-20
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am attempting to place a security freeze with TransUnion and they refuse to process it, either online or over the phone. XXXX and XXXX did it with no problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2019-04-24
Company: CONGRESS COLLECTION CORP
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The creditor listed in this collection account never belonged to me. This has to be an error. I gave no consent for this original creditor to use my information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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:
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 XX/XX/2021 XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Credit inquiries on your report that you don't recognize

Complaint:
OneMain Financial is repeatedly falsely verifying an unauthenticated and unauthorized inquiry on my credit files. I have not received a firm offer of credit for OneMain Financial to be listed as a hard inquiry on my credit files nor did they have a permissible purpose. I have opted out of prescreened offers of credit from lenders who use the credit bureaus years ago. 

The illegal unauthorized inquiry was performed in XXXX of 2018. 

In the event OneMain Financial has documents or verifies that this inquiry is accurate, I demand that they verify via Sworn Notarized Affidavits so I can know the person who handled my dispute and to state THAT THE ALLEGED INQUIRY IS IN FACT COMPLIANT AND IS NOT SUBTERFUGE. I want to see the signed authorization form that they used to perform this inquiry. Otherwise, I demand that OneMain Financial remove this inquiry off my credit files. Otherwise, any verification from OneMain Financial will be deemed hearsay and will be admitting that OneMain Financial is intentionally, maliciously and recklessly reporting an illegal, unauthorized and unauthenticated inquiry on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You violated the United States Code Law ( TILA 15 U.S, Code 1666 ( b ) charge error ), Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S. Code 1666 ( b ) billing error.

( 4 ) The credior 's, inabily to truthkuly depict an obligation payment or cred! ' that.

was given to the debtor on a statement.

( 5 ) A computation error or other similar accounting error on a creditor 's statement.

Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with a statement at least 21 days in advance, so precluding any occurrence of late payments on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. 
My consumer report states that each of the items below needs to be changed toreflect the agreed-upon payment. 

This is A Violation Under 15 USC 1666b. I Was incorrectly Billed.

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 2023-01-04
Company: Bridgecrest Acceptance Corporation
State: FL
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:
I purchased a car from XXXX in XXXX and their loan company is Bridgecrest Loans and I will give you all information for Bridgecrest, my account number is XXXX and Bridgecrest phone number is XXXX. I was in a hospital, got out and I did informed Bridgecrest and they were ok of me making my payment but they lied to me. They took my car and when I called them Bridgecrest wanted me to pay {$26000.00} in cash to get my car back. Bridgecrest is supposed to help people with poor credit obviously they don't help. Bridgecrest do not have options and now this is at the begining of my loan, I got the car in XX/XX/2022 and they took my car after a month and they got their payments which I am doing a reversal with my bank. It is not in their contract stating if you are one payment behind they will come get the car and actually it is not in their contract at all that I got from XXXX XXXX about being late will have Bridgecrest repo the car. This is not right they don't work with people with bad credit as they stated. They could allow me to make my payment and release the car to me but they want the full {$26000.00} in cash. Bridgecrest lied about their loan program. Bridgecrest received their payments.

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 2023-08-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-17
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter in my email from Synchrony Bank that they closed my account after reviewing my credit report. I've had this account for months and payments were never late, nor has any other open account I have been late. I called the bank and the first agent I spoke with tried to say there were late payments reported to Synchrony Bank from the XXXX credit bureau. The manager I spoke with kept hiding behind the company policy that they have the right to close accounts at their own discretion. I pulled my credit reports after the phone call to find out the bank LIED and there are NO accounts with any late or missed payments. 

The bank could have reached out like others do to check in on my income but they didn't. And they should have since I recently gotten a promotion in my job. I will never do business with this bank again, never recommend them, and they really need investigated for these shady and dishonest business practices!

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-09-12
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I sent notice to Equifax to investigate accounts on my consumer report that are inaccurate. I have not received a response from them as of yet. 

Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In General. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The law plainly states that a failure to investigate these items within 30 days gives a reason to immediately delete those items or information from my consumer report. It has been 30 days so the accounts should be deleted promptly. 

They are inviolation and the accounts need to be deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
This is a follow up for COMPLAIN ID XXXX CHRYSLER CAPITAL just came with another balance I'm supposed to pay after 2 year I returned this car and paid the full amount they asked me to pay. 

Now my account reflects {$370.00} They keep trying to charge me money for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
I took out a HELOC in XXXX with XXXX XXXX XXXXXXXX and filled for XXXX XXXX and was discharged XXXX. I have not heard a word from XXXX XXXX XXXXXXXX. XX/XX/XXXX I find out the house house is being foreclosed. I spoke with XXXX XXXX doing the Foreclosure. They informed me that the Company filing the foreclosure is SLS. I contacted them and the informed me they bought the loan in XXXX. They also told me they were mailing to my old address back in XXXX. I asked them why they did not also mail to the property address. They could not answer I need to stop the Foreclosure for XX/XX/XXXX. I was never notified by XXXX XXXX XXXXXXXX that they sold the loan. 
There is a First on the Property of almost {$600000.00}

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 explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 Far CredIt Reporting act. The List of accounts below has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

# XXXX, XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX # XXXX XXXX, # XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-12
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I use XXXX XXXX which handles my employer match contributions to my student loans. Prior to XX/XX/22, I already paid off my EdFinancial Services account in full. On XX/XX/22, XXXX sent a check of {$730.00} EdFinancial as a mistake even though their website says " payment made to XXXX account ending in XXXX ''. On XX/XX/22, I contacted XXXX, and according to the customer service representative, the check could not be cancelled because it was marked " processed '' by EdFinancial. Therefore, I'm not able to use the {$730.00} to pay to the correct loan servicer, XXXX. Immediately after, I contacted EdFinancial customer service, but they said that the check was not posted to my account or balance ( see the screenshot of my EdFinancial account balance -- there's no mention of the {$730.00} check ). They said they will start an investigation, but there is no way for me to keep track of the investigation other than to call back. The EdFinancial customer service agent also implied that there is an extremely long wait time, and no expected turnaround time in mind. It is highly suspicious that EdFinancial received a check nearly 2 months ago, and they haven't sent it back or posted a negative balance to my XXXX account.

Company response to consumer: Closed with explanation