BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I just received alert from XXXX that an account had been opened at JPMorgan Chase On XXXX, JP Morgan Chase reported a bank account opened with your SSN.

Company : JP Morgan Chase Reason : Inquiry Inquiry Date : XX/XX/2023 Phone : ( XXXX ) XXXX I tried calling the number and you can not get a customer service person unless you provide an account or credit card number. I then googled JPMorgan Chase Fraud Dept and after trying 3 different numbers, and finally XXXX finally gets me to the " Fraud Department '' and the XXXX XXXX I spoke to XXXX XXXX who said he couldn't give me an other details to identify him except his Managers name ( Jaise ), whom he would not transfer me to and XXXX has no ability whatsoever to as someone who is supposed in JPMorgan 's Fraud Department to identify the account and close it... 

XXXX was more focused on being as absolutely condescending as he could possible be instead of listening to me explain I HAVE IDENTITY THEFT ON MY CREDIT REPORTS SO HOW EXACTLY DID JPMORGAN JUST allow someone to OPEN AN ACCOUNT!? XXXX 's response was to begin to explain to me how a checking account is opened. Seriously. HE ASK ME FOR NOTHING but my SSN, so how the ___ he could verify that I am the person with the SSN when I just told him someone opened an account fraudulently. 

So, to JPMorgan Chase. I did not open an account with your bank... ever. AND I request you provide me the information needed, where the account was opened, what State, what identifying information was used so I can file a new police report and notify the FTC that JPMorgan Chase is opening accounts for people 's whose credit reports are flagged for identity theft. 

And yeah, what was XXXX 's answer. Call tomorrow. Talk to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is unverified and inaccurate information on my credit report. I would like this information removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-19
Company: EQUIFAX, INC.
State: VA
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 have written to XXXX, and Equifax on serval occasions requesting the removal of Inquiries that I did not authorize. Only to be told that they have no affect on my credit. I do not have open accounts with these companies and have never applied for credit with them. On my XXXX credit report there is XXXX XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX  XXXX dated XX/XX/XXXX, XXXX/XXXX  dated XX/XX/XXXX, and XXXX XXXX dated XX/XX/XXXX, XXXX XXXX   dated XX/XX/XXXX. On my Equifax report XXXX XXXX  dated XX/XX/XXXX, XXXX   XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. I have written these bureau 's over the past year disputing the accuracy of my report 's due to me trying to purchase my first house and these inquiries are affecting my score and preventing me from purchasing my forever house for myself and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: HYUNDAI CAPITAL AMERICA
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a XXXX XXXX XXXX on XX/XX/2021. The dealership ( XXXX XXXX XXXX XXXX, KY ) offered me a {$500.00} sticker price reduction if I secured a {$10000.00} loan from Hyundai Motor Finance XXXX I received approval for the loan. 

I received a letter from Hyundai Motor Finance on XX/XX/2021, stating their records show the retail installment contract is paid in full. The original title certificate and XXXX release was enclosed. The letter instructed me to take the documents to my state 's motor vehicle division and apply for a new title certificate. 

I took the documents to the XXXX XXXX XXXX in XXXX XXXX Kentucky. The clerk told me Hyundai Finance sent me a XXXX release document with the incorrect file number and the incorrect file date. 

I have documented XXXX calls to Hyundai Finance on XX/XX/XXXX, XX/XX/XXXX of 2021, and on XX/XX/XXXX and XX/XX/XXXX. My notes include the name of the person I talked with as well as reference numbers for XXXX of the calls. I gave the correct file number and date to the customer service representatives but I have not received the corrected XXXX release document. 

I also contacted the dealership. My sales rep has been very helpful but his outreach to XXXX has not been successful. 

What are my options for receiving the correct XXXX release? I have waited for XXXX months.

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 2019-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have written to TransUnion, and XXXX  on serval occasions requesting the removal of Inquiries that I did not authorize. Only to be told that they have no affect on my credit. I do not have open accounts with these companies and have never applied for credit with them. On my Transunion credit report there is XXXX XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX/XXXX dated XX/XX/XXXX, and XXXX  XXXX dated XX/XX/XXXX, XXXX  XXXX  dated XX/XX/XXXX. On my XXXX report XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. I have written these bureau 's over the past year disputing the accuracy of my report 's due to me trying to purchase my first house and these inquiries are affecting my score and preventing me from purchasing my forever house for myself and family.

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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'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 XXXX I am filing this complaint for 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 non-monetary relief
Consumer complaint received 2019-10-02
Company: I.Q. DATA INTERNATIONAL, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Occurrence Date : XX/XX/2019 Amount : {$130.00} ( approx ) Debt Collector : I Q Data International Inc Received call from Debt Collector. The conversation turned to harassment, they kept stating that I was unwilling or reluctant to pay the amount, and I said " no '' that is not the case, but I am disputing the amount ( charges ), but they kept insisting that I pay now to avoid being reported to Credit Reporting, so had to provide Credit Card now. 
This was first contact by them, so I had no idea as to their validity nor did they disclose the fact that I had rights to dispute the charges, as stated below : " Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. This notice will state your right to dispute the validity of the debt within 30 days. '' They were threatening to go to Credit Reporting without sending any written notices or allowing me the chance to dispute ( 30 ) days, so again felt I as being harassed and undue pressure to force payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am having issues with unrecognized addresses on my credit report I need removed. 
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. 
My DOB is XXXX my SS # XXXX. The following addresses are not known and need to be deleted asap : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX   XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have no ideal how these addresses became associated with me or my credit file!

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 2021-09-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
These accounts are fraudulent and need to be removed. I have sent them an ftc report as well as police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am in receipt of a letter from Barclays Online Banking that I opened an account. I have called every phone number I could find to discover how they opened this account. They refuse to give me any information at every number I have called. I finally wrote a letter to an address I got Barclays XXXX XXXX XXXX XXXX DE XXXX. Still no answer. Of course I have serious concerns on how this account got opened and what information was submitted for them to open this account. I also want to confirm the account is closed. I can not understand why this bank after many calls and a letter they refuse to reply.

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 2020-03-07
Company: EQUIFAX, INC.
State: OH
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:
Recently while conducting a monitor of my credit report I discovered some items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to use myinformation toathirdparty for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/19, I corresponded with an individual via XXXX XXXX who said they had a ticket available for XXXX XXXX   XXXX in XXXX XXXX, CA. He said he would transfer the ticket to my email if I sent him 60 % of the face value ticket ( {$60.00} ) through PayPal. I sent the money and he immediately blocked me on XXXX and I have not heard from him in a couple hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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: Investigation took more than 30 days

Complaint:
Equifax has received a total of XXXX separate requests to investigate a fraudulent account that is appearing on my credit report with the first request being over 1 year ago Equifax is refusing to investigate a fraudulent account with XXXX XXXX XXXX. I have sent both a police report and FTC complaint Equifax is choosing not to investigate this account although they have received approximately XXXX requests to delete this information within the last year. Equifax is intentionally choosing to not delete this fraudulent account as both other credit bureaus have removed this account. However, Equifax is choosing to not follow federal protocol and they are refusing to delete this account or investigate this account at all this has been going on since XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: FC HoldCo LLC
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: Account information incorrect

Complaint:
Flagship Credit Acceptance is currently reporting an account with inaccurate information on all three of my credit reports. The last payment on this account was made in XX/XX/XXXX. However multiple erroneous dates of last payment are listed on credit reports, including : Last payment date as reported to XXXX XXXX : XX/XX/XXXX Last payment date as reported to XXXX : XX/XX/XXXX Given the last payment ever made on this account was XX/XX/XXXX, I filed disputes with XXXX, XXXX XXXX and XXXX. To which Flagship Credit Acceptance verified this erroneous information as accurate. 

My next step was to file a dispute directly with Flagship Credit Acceptance, which was done via certified letter in XX/XX/XXXX. Again, upon reviewing my latest credit reports, it appears Flagship Credit Acceptance has verified this erroneous information as being accurate yet again.

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 2019-05-19
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a Citibank Savings account online last month. When opening the account, I clearly indicated that " I am NOT subject to any tax withholding '' in the account application. However, Citibank made a very serious mistake by still withholding tax from my first month 's savings account interest. 

I request Citibank to immediately correct the error by refunding the incorrect tax withholding back to my savings account. Meantime, I request Citibank to ensure my savings account is set correctly to " Not subject to tax withholding ''.

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 2022-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
To Whom It May Concern : I disagree with your decision. I live in a secure building with cameras and my landlady reviewed the cameras and wrote to me and told me that there were no packages delivered at XXXX PM. In addition, the apartment complex does not have a mailroom as alleged by the XXXX delivery person. I want my money back the way it was tendered to SAKS Fifth Avenue or I want my XXXX XXXX perfume. I paid for the item with a gift card and charged the rest with my credit card. I have disputed this charge with my credit card. I have spent over {$10000.00} this year at Saks Fifth Avenue and I am going to get my perfume. Please see the email below from the apartment manager. Did the delivery person take a picture of the package? No. Give me back my money. I used my Saks Fifth AVenue Credit Card to make the purchase. Saks ignored my 5 letters regarding the fact that I did not receive the Jo Malone perfume that I paid for but did not receive. 
ORDER DETAILS Shipping Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Payment Method Gift Card XXXX {$35.00} SaksFirst Store Card {$15.00} Billing Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX ORDER SUMMARY Subtotal {$48.00} Shipping FREE Tax {$2.00} Order Total {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Experian Information Solutions 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 am filing this report because today XX/XX/19 I found out that my personal information was used to open several accounts without my authorization. I have no idea who stole my information or how he/she got a hold of it but I have already filed a police report regarding these unauthorized accounts. I did not participate in any purchases, transactions or payments towards any of these accounts nor did I benefit anything from them being open in my name. I have no relationship with any of the companies I have listed and I never gave them permission to run or access my credit report nor personal information.

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 2020-04-27
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
The credit bureaus ( TransUnion, XXXX and XXXX  XXXX have been provided Satisfaction Letters with regard to a creditor 's tradeline XXXX XXXX XXXX XXXX XXXX XXXX  yet they refuse to update the tradeline to accurately reflect " paid in settlement. The original credit grantor ( XXXX XXXX  ) has referred to me the assignee ( XXXX XXXX XXXX ) and XXXX XXXX  has referred me to their debt collector XXXX XXXX XXXX XXXX to correct the problem who in turn redirected me back to XXXX XXXX XXXX. A letter will be forwarded to all parties today. Thank you

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 2022-12-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reinvestigated my credit report, I realized that still, the same accounts were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It isn't acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts and fix or correct it in my personal file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: EQUIFAX, INC.
State: NC
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 contacted XXXX and Equifax multiple times about them Reporting incorrect information on my personal Credit report. I summit documents and Certified letters asking XXXX and Equifax to provide Valid information on the Investigation of Incorrect information on my personal credit report, I asked for manner as to how this accounts were verified, who verified and for proof that these accounts belong to me, and XXXX and Equifax failed to proved information that the Law ( FCRA ) specified.

Company response to consumer: Closed with explanation