BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: PA
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 complaint against equifax. i already sent over my id proof of address and fraud report. i was a vicitim of not only the equifax breech but fraud all over since covid. I just got off the phone with customer service representative who hung up on me. Equifax is violating my credit rights but not blocking these fraudulent items on my report. I am asking the consumer bureau to investigate this matter. And if not I would like a higher agency to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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 sufficiently protect my records, and as a result they allowed a breach of their system that resulted in my private financial records entering the public domain

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX According to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ), you are required by law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. otherwise, anyone paying your reporting services could fax, mail, or email in a fradulent account.I demand to see verifiable proof ( AN ORIGINAL CONSUMER CONTRACT with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. under the FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF ARE UNABLE TO PROVIDE ME a copy of verifiable proof, you must remove the accounts listed below. 
I Demand the following accounts be verified or removed immediately. 
1. INQUIRY : XXXX XXXX XXXX ( INQUIRY XXXX ) 2. INQUIRY : XXXX XXXX  ( INQUIRY XXXX ) 3. INQUIRY : XXXX XXXX ( INQUIRY XXXX ) 4. ( Account name XXXX XXXX XXXX XX/XX/XXXX Account number XXXX Account type Debt Buyer ) 5.XXXX XXXX XXXXAccount XXXX XX/XX/XXXX Updated. The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
6.Report Number XXXX Date Generated XX/XX/XXXX >Please remove all non-account holding inquiries over 30 days old. 
<Please add a Promotional Suppression to my credit file. 
<Please remove all accounts that are no XXXX XXXX COMPLAINCE. 
PLEASE NOTE THAT YOU HAVE 30 DAYS TO COMPLETE THIS INVESTIGATION, AS PER THE Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). be advised that the description of the procedure used to determine the ACCURACY AND COMPLETENESS OF THE INFORMATION IS HEARBY REQUESTED AS WELL, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, INCLUDING YOUR METHOD OF VERIFICATION. I DO NOT CONSENT TO E-OSCAR AR ANY MEANS OF AUTOMATED VERIFICATION.

Failure to respond satisfaction within 30 days of receipt of this certified letter may result in small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of Fair Credit Reporting Act 4. ) Financial injury

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 2022-10-07
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX of 2022, I received a flyer in the mail from Chase bank offering me up to {$600.00} to open up a checking and savings account with them and making a {$15000.00} deposit and setting up direct deposit with them. In early XXXX, I went online and opened up a checking and savings account with them. Over the next few weeks, I made deposits of over {$15000.00} and went to my employer and had them switch my direct deposit over to Chase. Everything seemed fine until I got a letter in the mail on XX/XX/XXXX stating that I would not be able to access my account and it will be closing soon. The next day I called the number in the letter and they said that Chase has decided to close my account. They gave no reason and they said once my account is closed, I will get a check in a few weeks for the balance in my account. Why send me a flyer in the mail that I then respond to and jump through all of the hoops and now I don't have access to over {$15000.00} of my money. I also have to go back to my employer and set up direct deposit with another bank. I feel mislead and they can't even tell me what I did. Chase also has a large chunk of my money and refuse to give me access to it. I feel like I got robbed from a bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27
Company: Northstar Location Services, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2018 at XXXX we received a call from North Star Location ( XXXX ) stating that the call is intended for XXXX XXXX XXXX and to call back at XXXX. The message states " to reach an operator press XXXX now '' and once this is done the call ends. 

I called the number ( XXXX ) on XX/XX/2018 at XXXX and informed the operator that we have been receiving this call several times and that we need to get our number removed. I explained to the operator that this number is the main hub for our company and that there could be hunderds of numbers that lead over to this. He stated that the message is supposed to give a case number or offer to transfer over. I stated that it does offer to transfer but ends the call when it's selected. He stated if the number calls with all of the information to call back to get our number removed. 

This is impossible to do as the call number does not provide additional information nor can the operator find the name that is given by the calling machine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions 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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account.

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 2020-06-11
Company: EQUIFAX, 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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Overdraft fees. 
I understand that my personal finances are my own responsibility, but when there are temporary lapses in funding, Chase ( and most other banks ) will charge and overdraft fee almost immediately. In many cases, this amounts to a 1700 % interest rate on an informal 'microloan '. 
For example, I recently set up an automatic payment for a credit card. I had transferred money to XXXX account ( I keep them separate to manage funds ) and because the transfer had not yet processed, and the CC pulled their payment ( ACH ) from my Chase account, there was a {$34.00} overdraft charge. 
In some cases, this has been for a tiny amount of money, resulting in a 1700 % usurious loan fee on a small purchase of something like a cup of coffee. 
Furthermore, this can not be deducted from income taxes as 'accounting ' or 'bookkeeping ' fees. Why not? As an XXXX, I do n't have time to be an accountant, nor can I afford one, so I 'm occasionally hit with these fees. Why are n't they bookkeeping fees? 
I have some education on this matter, and I try to keep tabs on all this, I ca n't imaging someone with little education ever staying afloat. It seems with all the different ways to pay for things these days and different streams of money, something needs to change with these fees. 
It 's infuriating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-28
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
An account on my XXXX that is not my account

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 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Ive attempted numerous times over the course of 9 months to have the account named XXXX XXXX XXXX which is affiliated with XXXX XXXX XXXX account # XXXX be removed due to numerous inaccuracies that still have not been address and ignored. I even made a complaint on XXXX  and received no response. 
However, I recently received a response to a dispute regarding this account that I made to all credit bureaus under FCRA 611 ( a )  regarding an erroneous item on my credit report. I was deeply frustrated to see that somehow you verified the item, electing to leave it on my report. 
I am certain that the item I have disputed is incorrect and should be removed. I am hereby executing my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 
I am very interested to learn how your investigation arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees you spoke to as part of this investigation. 
I am asking for this verification because my credit score is very important to me and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this. 
I expect to see a response within 30 days from todays date or I will expect to see the item in question permanently expunged from my record. 

In addition, XXXX  received my last complaint on XX/XX/2020 and did not respond until XX/XX/2020. Due to the untimely response exceeding the 30 days allotted time, it is my right that the item be deleted for no response within 30 days. 
Furthermore, I NEVER received any correspondence for the item in question from the creditor therefore this item has no place on my credit reports.

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 2021-12-10
Company: Blackhawk Network Holdings Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Unable to use funds on my visa gift card. Called customer service, the company representative reported that my funds were stolen. I spoke to 2 different people on the phone, unable to get a clear answer about my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-31
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am trying to use my credit union 's XXXX solution to send money real-time ( not ACH ) to friends and family. But, all the big banks refuse to accept the transaction real-time. It 's not because their network does n't participate. It 's because they are blocking the real-time ability. My family banks at XXXX, most of my friends have accounts at Chase and they tell me that their bank wo n't allow it because they want other financial institutions to buy their specific XXXX and not use others. I think this is collusion. The top couple large banks are creating a solution that they plan to sell to other smaller banks and credit unions. When you hold such a large percentage of the market, it 's too easy to create these situations that make it difficult for the smaller institutions to perform.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX According to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ), you are required by law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. otherwise, anyone paying your reporting services could fax, mail, or email in a fradulent account.I demand to see verifiable proof ( AN ORIGINAL CONSUMER CONTRACT with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. under the FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF ARE UNABLE TO PROVIDE ME a copy of verifiable proof, you must remove the accounts listed below. 
I Demand the following accounts be verified or removed immediately. 
XXXX. INQUIRY : XXXX XXXX  I ( INQUIRY XXXX ) XXXX. INQUIRY : XXXX XXXX XXXX INQUIRY XXXX ) XXXX. INQUIRY : XXXX XXXX XXXX  INQUIRY XXXX ) XXXX. ( Account name XXXX XXXX XXXX XX/XX/XXXX Account number XXXX Account type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Updated. The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
XXXX Number XXXX Date Generated XX/XX/XXXX >Please remove all non-account holding inquiries over 30 days old. 
<Please add a XXXX Suppression to my credit file. 
<Please remove all accounts that are no XXXX XXXX COMPLAINCE. 
PLEASE NOTE THAT YOU HAVE 30 DAYS TO COMPLETE THIS INVESTIGATION, AS PER THE Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). be advised that the description of the procedure used to determine the ACCURACY AND COMPLETENESS OF THE INFORMATION IS HEARBY REQUESTED AS WELL, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, INCLUDING YOUR METHOD OF VERIFICATION. I DO NOT CONSENT TO XXXX XXXXR ANY MEANS OF AUTOMATED VERIFICATION.

Failure to respond satisfaction within 30 days of receipt of this certified letter may result in small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of Fair Credit Reporting Act 4. ) Financial XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a certified letter in XX/XX/2019 asking for verification and validation of the debt and they received it on XX/XX/2019 and it's been more than 30 days and now it's XX/XX/2019 and they the have yet to respond or delete from my credit report in which the Law requires them to do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Toyota Motor Credit Acct # XXXX is reporting that I owe a balance of {$1100.00} after turning in a leased vehicle. These are outrageous and inaccurate charges that are NOT TRUE! They are charging for keys when both keys were turned in the same day that the car was returned to XXXX XXXX XXXX. They also state that there were " scratches on the spoiler '' - there 's NO spoiler on the car. I was n't even there when the so called " inspector '' looked at the car.. They even have the interior color wrong! The vehicle was well taken care of, including low mileage and in great condition. I have called several times to try to rectify this situation and I get nowhere! I 've also sent demand letters. Their customer service has not helped me in any way. The information being sent to me is not accurate. I am so disappointed with this company!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-01
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Delinquent account

Complaint:
In XXXX I signed up for a Chase Marriott Rewards card. I ran into financial problems and the account went into charge off status. I ran a credit report in XX/XX/XXXX and found some inaccuracies in the way they were reporting the information to the 3 credit bureaus. I sent them two letters certified asking them to look into the inaccuracies. They include ... reporting different dates of activity post charge off, an inaccurate final balance, marking the account past due and charged off simultaneously. The final straw was they failed to inform the credit bureaus that I was disputing the tradelines and they failed to have the disputes noted on the reports within 30 days per FCRA Sec 623. In fact they have NEVER had the disputes noted. The creditor can be fined {$1000.00} per incident. I will attach copies of my reports and certified letters to this complaint. I called Chase to resolve this by offering to pay the disputed balance but they said I no longer had an obligation to pay since the account was charged off and not in collections. I asked then ... if it is charged off and not in collection how can it be past due? Past due would reflect an open account status. At this point this is my last step before litigation. The incorrect way that the account is being reported is leading to a worse credit score than if it was properly reported. Chase has violated my rights under the FCRA by not reporting the account as disputed with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: JPMORGAN CHASE & CO.
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My vehicle was declared a total loss in the XXXX XXXX, LA floods. My insurance made a short insurance payment for XX/XX/2016 ; there was still a remaining balance of roughly XXXX to be covered by gap insurance. I reversed my automatic withdrawal car loan payment for XX/XX/XXXX because I thought the insurance payment of XXXX would cover it. Now Chase bank has reported that I am behind on my car payments and this is unfair. Please help me. I 've never missed a payment on any of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: West Coast Servicing, Inc.
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I found out through the fraud investigator a XXXX XXXX that someone impersonating me called their customer service department and asked for a loan payoff on my first mortgage. When asked to verify that it was authentically me calling, they gave the last four digits of my SSN to the customer service representative at XXXX XXXX. The person impersonating me asked to have loan payoff faxed to them at XXXX. This fax incurred at {$15.00} charge on my account that I had to fight to take off as I never called XXXX XXXX for a payoff statement. 
This required me to freeze my credit reports and file a criminal complaint with XXXX XXXX XXXX for ID theft and fraud. 
The person impersonating me has been identified as West Coast Servicing out of XXXX XXXX, CA. They are a loan servicing company that was hired by the noteholder on the second loan on my house. 
They wanted this information to use against me for financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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. This XXXX, Capital One has violated my rights under 15 USC 1681, section602 states I have the rights to privacy. 15 USC 1681, section604A section 2. It also states a consumer reporting agency can not furnish an a account without my written instructions. Under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation