BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/XXXX, as XXXX of my XXXX XXXX, I went to my local Chase Bank branch in XXXX, to deposit assessment checks. I was told by the teller that one of the checks had a hold placed on it. It turned out that it was my check, from my account at a credit union. I asked why the hold was placed, and the teller said she did n't know why. I went home, and called my credit union, and they said that there was no reason on their end that a hold should be placed on one of my checks. I returned to the bank, and spoke to one of the bankers, who tried to cancel the hold unsuccessfully. I told the banker I wanted to know WHY the hold was placed, and she said there was no way she could find out the reason, that it was the " back office '' who made these decisions. 

My question is : can they do this to me without telling me why? Because the fact is that they are benefiting from having the money from this check from XXXX to XXXX, when the money will be sent to the XXXX XXXX. If they repeat this action enough times, I would guess that they can make quite a profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
Equifax did not take proper precautions with my PII and carelessly exposed it along with millions of other peoples PII. Data should not have been able to be accessed via a web application, and it absolutely should have been encrypted. now they are making money on all of those who are effected having to pay them to freeze their credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax data breach, I was alerted that my information may have been impacted. I am still in the process of tracking down the severity and taking precautions so the breach does not escalate. 

( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: MI
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 sent Equifax a hand written letter asking for the description of the reinvestigation used to determine the accuracy and completeness of the accounts below and they failed to provide it within the 30 day period the FCRA allows. It is not my job to hold you in compliance but to ensure my credit report is fair and equitable to me. You are alleging the accounts as negative meaning you have validity and verification of the accounts and should have the description of the procedure including all parties that were contacted to determine the completeness and accurate. Please understand as stated before I am not disputing ownership it is my right to receive that description of the procedure and since you haven't provided it in 30 days the following account shall be removed ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX And also these accounts did not have permissible purpose they did not have a judgement nor my written consent which is a violation of the FCRA. I SENT 2 LETTERS sent XX/XX/2022 and XXXX I have acted in good faith by allowing more then 60 days and still have not received a response. YOU ARE WILLFUL AND NEGLIENTLY NONCOMPLIANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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: Was not notified of investigation status or results

Complaint:
" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report 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 2017-07-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
20 year ago I put some money away now I ca n't locate my money I put away with chase

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: NE
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:
XXXX XXXX pushed their payment protection company services on me when I became a consumer of their product. Once I was laid off from my job, this service did not step in and make the minimal monthly payments as it guaranteed to do and XXXX XXXX reported late payments to the credit bureaus for each of the months the service did not make the payment. XXXX XXXX has since discontinued their payment protection program and credited my account for each month the program did not pay as it should have. I have since closed my account with them, but they have not updated the late payments which never should have taken place as it was the responsibility of the plan to make all payments during the time of my lay off. XXXX XXXX assured me by phone that this would be corrected more than one year ago. I have continued to suffer due to the numerous late pays inaccurately reported by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Afni has reported that I owe XXXX dollars and have missed multiple payments over the past 2 years. I was never advised of this debt and never given the opportunity to resolve the debt. I never gave consent for this to be reported on my credit report as stated by law of fair credit report act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 2023-02-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2023 Hard Inquiry made for Company XXXX XXXX XXXXXXXX XXXX XXXX . I did not authorize this at all. I could not get ahold of the company after calling multiple times. 

XX/XX/2023 Hard Inquiry made from XXXX XXXX XXXX XXXX. I did not authorize this at all. I could not get through to the company after calling multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
XXXX XXXX pushed their payment protection company services on me when I became a consumer of their product. Once I was laid off from my job, this service did not step in and make the minimal monthly payments as it guaranteed to do and XXXX XXXX reported late payments to the credit bureaus for each of the months the service did not make the payment. XXXX XXXX has since discontinued their payment protection program and credited my account for each month the program did not pay as it should have. I have since closed my account with them, but they have not updated the late payments which never should have taken place as it was the responsibility of the plan to make all payments during the time of my lay off. XXXX XXXX assured me by phone that this would be corrected more than one year ago. I have continued to suffer due to the numerous late pays inaccurately reported by this company.

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 2019-11-25
Company: Experian Information Solutions Inc.
State: GA
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 have had a security freeze and fraud alert placed on my account since XX/XX/2019 after a fraudulent account was opened on my credit report. Since the freeze, I have continued to receive alerts for fraudulent accounts and specifically, rental screenings that are being completed by XXXX  XXXX XXXX XXXX. On XX/XX/2019 I told the company that the inquiry was fraudulent when an applicant attempted to apply for a community in Florida. I have since received 2 more inquiries and Im told by transunion that theres nothing I can do to stop their rental screening process, despite explaining that I have no intentions of applying to any rental communities in the foreseeable future. Even after disputing, the company will not remove the inquires.

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 2022-08-13
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; ( Original Creditor : XXXX  ) XXXX Balance : {$610.00} ; XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$300.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: ENCORE CAPITAL GROUP 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:
Midland Credit Management has caused me a great deal of stress. I have been struggling with an account that is not mine. I have submitted multiple dispute letters requesting for validation of the debt which included sending me the original contract with my signature showing that I owe this alleged debt. Nothing was sent back to me. I then sent in a 30 Day Demand of Comply within a 60 day period being that I never received a response. This is a violation under the FCRA. Futhermore, I am aware that Midland Credit XXXX entered into a final judgement and order with the CFPB. Under terms of the order, the business agrees to pay {$79000.00} in redress to consumers and a {$15.00} million civil money penalty. Because of this, I am still not understanding why this issue has still not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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:
The account in question is XXXX XXXX XXXXXXXX. I disputed this account, and nothing was sent to me to legally verify this account. Experian is in violation of the FCRA. I am exercising my rights under FCRA 611 ( a ) ( 7 ). I requested a method of verification along with a re-investigation. Experian did not comply with my request for method of verification. On XX/XX/XXXX I disputed this item via mail asking Experian to verify the item was accurate. XXXX they advised it was verified but did not provide any information. On XX/XX/XXXX I sent a letter in asking for proof of verification. The status on my report has not changed and again no proof of verification was provided. On XX/XX/XXXX I sent a third letter via mail, asking for proof of debt and validation. On XX/XX/XXXX the system was notated that no changes were made. I am requesting this account be removed from my credit report, as it is not accurate, has not been verified and is negatively impacting me.

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 2022-01-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have XXXX accounts on my credit report that I do not recognize and did not authorize. I am a victim of identity theft. Below are the 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 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 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have XXXX accounts on my credit report that I do not recognize and did not authorize. I am a victim of identity theft. Below are the accounts : XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Account # : XXXX XXXX  XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX  XX/XX/XXXX Account # : XXXX XXXX XXXX XXXXXX/XX/XXXX Account # : XXXX XXXX XXXX XXXXXX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXXXX/XX/XXXX Account # : XXXX XXXX XXXX  XX/XX/XXXX Account # : 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 2017-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
As a result of XXXX XXXX data breach, I attempted to place credit freezes on my credit data at XXXX, Transunion and XXXX. I was only partially successful with XXXX. They reported that I already had a freeze in place. Transunion 's process died with a system error. XXXX XXXX process returned a blank pin number. Apparently the last two companies have poorly designed system which can not be relied upon.

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 2022-06-17
Company: JPMORGAN CHASE & CO.
State: TX
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:
JPMCB Card Services {$12000.00} & JPMCB Card Services {$7000.00} have been closed by creditor as a charged off account. According to law any debt over {$600.00} that is charged off, the consumer ( myself ) should receive a XXXX ( cancellation of debt ). I sent a letter ( attached ) to creditor requesting a XXXX and I did not receive a response. 
If creditor filed a XXXX, according to tax law it is no longer considered a debt but rather considered to be income. XXXX should not be reporting on consumer report. 

Would this be considered to be tax fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions 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:
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. 
XXXX XXXX  Account # 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 explanation
Consumer complaint received 2017-09-10
Company: Navient Solutions, LLC.
State: AE
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I XXXX college on XXXX XXXX with a XXXX and two student loans to pay of. I got married last year ( XXXX XXXX ) and my husband is an XXXX XXXX XXXX XXXX. We are currently stationed XXXX and because of the XXXX agreement that XXXX and the USA have- this does not allow many jobs for military dependents such as myself. I have not had any employment since I got here and over the last year we have been paying off my school loans ( over {$40000.00} in total ) with only my husband 's income. We contacted the lending institutions to see if any options were available for lower interest rates for service members and their families, but one institution, Navient ( formerly XXXX XXXX XXXX, refused to aid us in any way, even after explaining our situation, on the basis that I am not the service member. The interest rate on this loan is almost 10 % .and we are paying both loans off of just my husband 's income. We recently almost emptied out our savings in order to get the loan with Navient to a more reasonable level ; With the dollar amount the loan had been at, and the interest rate, we were not gaining any ground on the loan with just the minimum payment, it actually went up. Why was the total loan amount increasing even while always making payments on time?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: OK
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:
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation