BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-24
Company: JPMORGAN CHASE & CO.
State: OR
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:
My issue just occurred the evening of XX/XX/2020. The location ; XXXX XXXX XXXX XXXX of XXXX, Oregon. I stopped in to do a bit of window shopping and get some pricing on a new Truck. I had my XXXX XXXX as a trade in along with a {$5000.00} deposit. They informed me that they would have to run a credit check. I advised the dealership that I was currently restoring my credit and that I could not have anymore hard inquiries on my report because I'm currently working on getting my VA home loan in order. That requires a minimal credit score in order to qualify. I've worked my XXXX off for the past 3 years to get to this point. The moment I get everything paid off and ready to move forward to the next phase, these guys pull this shady business. I authorized only one credit check to be processed, and that was through the Federal Credit union I use. I had already talked to my bank in advanced about my plans on trading in my car and financing it through them. All was agreed on, and I set out to find my new truck. I guess the dealership had other plans for my credit, because even after I had told them, a half dozen times, that my credit only had room for maybe one more hard inquiry before disqualifying my VA Loan. I guess none of that mattered to them, because they went ahead and decided to push through every inquiry they could to find a financial lender. They did find a bank that would finance me, but it wasn't the one I requested. In matter of fact, the bank I requested, wasn't even put in the inquiry list of potential financial options. I'm not sure how legal any of this is, but I feel as if I was just cheated out of 3 years of dedicated work fixing my credit and to build a life. I've contacted the Dealership and in the process of contacting the financial groups to inform them of the unauthorized credit inquiry that was falsely allowed to be processed. Permission was given to inquire about my credit report for only one institution. It seams I was purposely mislead and provided false information by the salesman in order to complete the transaction regardless the cost to the customer. Again, I gave verbal permission multiple times for only 1 hard inquiry and no more. I was very adamant, and was never told anything about the 10 other companies that would also be given access to my report. Just doesn't make any sense. Why would they be so selfish? Even after being told that my credit could not handle anything more then 1 hard inquiry, they made the choice for me and chose to proceed with running unauthorized reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: GA
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:
I monitor my credit report through Equifax. I received an alert that there was a collection account added to my report. The company 's name is XXXX XXXX XXXX showing an account # of XXXX IN THE AMOUNT OF {$13.00} stating that the debt came from XXXX XXXX XXXX. I have never heard of the company XXXX XXXX XXXX. I am unaware of this company, the amount, the debt and it's origin therefore, this debt is not validated by me. Under the Fair Debt Collection Practices Act ( FDCPA ), the alleged debt has to be validated. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my PRIVACY and medical records from third parties. I do no recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. My complaint is two-fold : Validation of debt and HIPAA authorization. I demand that Equifax AND EQUIFAX and XXXX XXXX XXXX provide a copy of my signature with the provider of service to release information to them. I demand that EQUIFAX and XXXX XXXX XXXX DELETE credit reporting from my file until this debt is validated by me. Any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. Please delete this collection account from my Equifax file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Experian Information Solutions 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:
XXXX ; Experian and XXXX are reporting incorrectly on my personal credit report the Chapter XXXX corporate re-structuring Bankruptcy. This credit report should only include a personal credit history and nothing associated with the Chapter XXXX re-structuring Bankruptcy. ( Please see page 17 of the attached credit report. ) This incorrect reporting is harming my credit score. Please delete these line items from 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 explanation
Consumer complaint received 2018-02-08
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I went to store to make purchase yesterday (XX/XX/XXXX) and found out my account was closed on XX/XX/XXXX. I have XXXX  Thankyou reward points in my account and all of them got expired after the closure of my account. All Thankyou reward points were accumulated from my daily expenses. I do not even have a chance to redeem them since I have never received any account closure notice. I called up to ask if they can reopen and they stated no and for me to re-apply. The supervisor (ID: XXXX) did not provide any solutions, and she was even impatient to tell me that if I wanted to continue to complain then go online to find their complaint department mailing address by myself! This is the first time I met such a bad attitude customer service. They did not even email/mail me anything about the closure of my account. And it did not make sense to close my account without any notice and expire all of my Thankyou points.

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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My identity has been compromised. I tried to file my tax return and the tax professional told me that my social security had been used already to file tax returns. I had to contact IRS to take measures. I soon received a call from a collection company as well that I owed money. Everything was making sense after I found out my identity had been compromised. My name and social security have been used for quite some time now and there were several accounts that had been open under my name. These things on my credit are not mine. Please remove these things from my report. XXXX XXXX {$50000.00} XXXX  XXXX {$550.00} XXXX  XXXX {$4500.00}

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 2020-09-06
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 XX/XX/XXXX my husband and I went to chase branch to open a joint account. The woman that helped us had no problem opening our account and we deposited two checks into our new account for a total of {$690.00} and {$530.00}. 
Our account was closed on Monday XX/XX/2020 I have yet to receive a notice that my account is being closed and the only reason I know is because the app restricted my access. When I called Chase countless time for answers everyone was incredibly rude! No one told me when I would receive my check, why my account is closed, and what is happening? I was told I would receive my money back in 7-would days! Its been more than that my family and I are missing over {$1000.00} chase was incredibly rude and all I want now is my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Items on credit report older than 7 years since date open have not been removed. Instead these items have been " updated. '' this is true for all the credit reporting agencies. They have " removal '' dates for several accounts but not sure if they comply with the fair credit reporting act. Some other disputed items do not have " removal '' dates listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection from National Credit Adjusters remains on my credit reports. This alleged debt was recently removed when it was owned by XXXX XXXX. All of a sudden now National Credit Adjusters has purchased it for pennies on the dollar and is now trying to use me to turn a profit. It has be OVER 30 DAYS since they were supposed to validate. They can't validate it because I DON'T OWE ANYTHING!!!! I just went through the same thing with XXXX XXXX before this horrible company bought the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
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: Public record information inaccurate

Complaint:
On XX/XX/XXXX I submitted a complaint to the CFPB to investigate TransUnion for incorrect reporting. The CFPB closed the case after TransUnion responded without making the necessary updates. TransUnion simply sent a standard computer generated response saying I would be notified by mail. 

As I mentioned in my XX/XX/XXXX complaint. TransUnion has been and continues to report a XXXX chapter XXXX bankruptcy that is not mine. I have told them on multiple occasions, this was a chapter XXXX filed by my ex wife. 

I submitted letters from the Superior Court ofXX/XX/XXXX Bankruptcy division, signed by Judge XXXX that clearly stated this is not accurate, and that I did not file for chapter XXXX. TransUnion has made the fatal mistake of ignoring that judges order. 

I then contacted the agency they use to verify there information, which is XXXX and they agreed that they were also reporting in error. They provided me with a letter stating the information was incorrect and they had removed it from my credit file. 

TransUnion unfortunately has continued to ignore all of the evidence I have provided. They continue to disregard the laws that were put into place to protect consumers from predators like themselves. 

I am now hiring an attorney to file a class action lawsuit against them for defamation of character. I am asking CFPB to also encourage TransUnion to comply with the law. 

I have made dozens of phone calls to them and they continue to ignore my requests. In addition to that I spoke to a gentleman who identified himself as a US supervisor, after he chose to ignore my request as well. He said he was going to email his manager to call me asap. I have never received that call.

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 2018-07-17
Company: Bread Financial Holdings, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I made a purchase of {$7200.00} under a 12 months defer int from XX/XX/XXXX to XX/XX/XXXX I pay {$2500.00} I make a new purchase XX/XX/XXXX and XX/XX/XXXX of {$100000.00} under a 60 months waived interest equal pay I was concerned about my monthly payment and i ask the agent from XXXX XXXX what my monthly payment will be like she told me all my new balance of {$100000.00} will be consolidated in one for the 60 months waive interest equal pay with a minimum payment of {$1800.00} I agree because i could pay that per month. I continue to make my regular monthly payment up to XX/XX/XXXX when my balance change when i make another purchase under the 60 month waived interest equal pay. To my surprise they charge me interest for in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX totaling {$1800.00} they claim that my first loan of {$7200.00} expire in XX/XX/XXXXand its accumulative for 12 months plus interest on the balance for the other months that was not the case of the agreement of consolidating my balance into one on a 60 month equal pay I am not suppose to pay no interest they are totally dishonest and i need my interest charges removed please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-06
Company: EQUIFAX, 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:
Please remove this on my credit report XXXX XXXX open date XX/XX/XXXX XXXX XXXX  open date XX/XX/XXXX XXXX  open date XX/XX/XXXX XXXX XXXX XXXX  open date XX/XX/XXXX XXXX XXXX open dateXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: LEXISNEXIS
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX continues to show an in accurate public record ( Dismissed CH XXXX Bankruptcy XXXX despite repeated disputes that I have made. They keep saying they have verified the information as coming from LexisNexis. This item was removed from my LexisNexis report in XX/XX/2020. XXXX # in reference is : XXXX removing XXXX case # XXXX from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: TX
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:
filed ftc on these co for violations thats on ftc web page XXXXDispute XXXX  XXXXDispute XXXX XXXXDispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX  XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a XXXX XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief.

Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this complaint.

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 2019-10-23
Company: Applied Data Finance, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I representative from Personify Financial called me in reference to a payment that was due. I advised the representative that I would be making a payment on Friday. The representative asked me which account would I be using and I explained that I was unsure. Shortly after the phone call, I received an email from Personify Financial with confirmation from a payment when I did not authorize this company to debit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am enrolled in the PSLF program. I ended employment with XXXX XXXX, a nonprofit in XXXX ) on XXXX/XXXX/2018 and used the weekend to move to Oregon where I began employment with the State of Oregon on XXXX/2018. MyFedLoan is telling me that since my auto payment was made on XXXX/XXXX/2018 I technically was not employed by either organization and my payment will not count towards PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report.As of this present date, XX/XX/XXXX, I still have not received any response, which is more than 120 days later. I am under the impression my disputes are being ignored and disregarded. I also feel I am being taken advantage of and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX  data breach whichmay have gotten into the hands of wrong individuals.

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