BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-30
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
On XXXX/XXXX/XXXX, I filed a CFPB complaint # XXXX concerning XXXX ( XXXX ) Chase credit card accounts. After going through Chase suggested " money counseling '' and provided the information they requested, the attached XXXX XXXX response resulted. ( copy attached ) Since that time, Chase has kept the account active by monthly reports to XXXX ( XXXX ) credit reporting bureaus '. Accounts ending in XXXX and XXXX were officially closed as a " Charge Off, : XXXX account in XX/XX/XXXX and the other XX/XX/XXXX. Chase eluded to the fact if the consumer agreed to follow Chase procedures, there would be no negative credit reporting. For example, using the term " Absorb. '' By reporting this negativity, Chase also failed to provide the consumer amble notice of any negative reporting to credit agencies. FCRA, ( 7 ) Negative Information : ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. ( Quoted from the XXXX XXXX FCRA edition ) In fact, the entire process requested by Chase was to avoid negative credit reporting. It must also be noted that the XXXX, mentioned in XXXX XXXX ' letter, has never received. Upon discovery of Chase recent actions, a letter dated XXXX XXXX, XXXX was sent to Chase Card Services Executive Offices which included a copy of their XXXX XXXX, XXXX letter. Within the XXXX XXXX, XXXX, was a request to correct the information Chase provided the credit reporting agencies. To this date, Chase has not replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
PROBLEM WITH TRANSUNION NOT REMOVING INCORRECT PAYMENTS. XXXX XXXX XXXX VIA MY XXXX ACCT. I WAS ENROLLED WITH OUT MY KNOWAGE CREDIT ACCT, NEVER BILLED, WHEN I DICOVERED THIS I CONTACTED XXXX, THEY REMOVED THE REPORTING. THE OTHER TWO REPORTING AGENCIES REMOVED THE REPORTING, XXXX, XXXX. TRANS UNION REFUSES TO CORRECT THE UPDATED INFORMATION. I NEED IT REMOVED, 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 non-monetary relief
Consumer complaint received 2021-03-03
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied with Comenity through XXXX XXXX to for a credit card. There was a promo offer that offered up to 15 % off of your purchase or {$50.00}, the lesser. I was buying a product that was about {$550.00} and it made sense to take the hard inquiry The terms clearly showed the rewards benefit of the general purpose visa offer or the private label in store only card. I selected the XXXX option, as the rewards outside of XXXX XXXX along with the instore benefit of the purchase seemed a good exchange for the hard inquiry on my bureau. 

I went through the origination process, and was granted the in store private label card, not visa general purpose visa, a credit limit of {$1000.00}, and the higher rate in the risk based pricing schema ( two price points, XXXX and XXXX ). I was not given the visa, nor was I presented with the reason codes for not getting the visa or the highest rate ( risk based pricing notification ). 

My credit profile as of the time of application was clearly Super Prime : FICO XXXX XXXX XXXX XXXX XXXX Income ( self reported XXXX per year ) DTI ( including housing ) = 11 % ( my mortgage is my only debt and it is approximately 1360/mo ) I attempted to contact Comenity several times to get clarity on the matter and was not successful getting to the correct party and was regularly disconnected. I will write a letter to their dispute and complaint office now, reference this complaint and email them as well. This is ludicrous and if my profile is not worthy of the lowest rate highest limit product they offer, they are advertising a product that fewer than 1 % of American 's will qualify for. A true bait and switch concern. 

Please see attached for credit history images for both XXXX ( from XXXX XXXX and FICO XXXX from XXXX XXXX to substantiate my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: CITIBANK, N.A.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I found out that I had been sued by XXXX XXXX XXXX through an attorney who had researched my records online. 

I have been communicating with XXXX via email. I was laid off in XXXX and I now have a new job with a significantly decreased income. I advised them of this and proposed a new payment. I also advised of a proposed payment plan and that I had a cease and desist in place for phone calls. The debt has changed hands many times and the XXXX XXXX XXXX  began contacting me daily. I contacted XXXX and left a voicemail on their collection department because no one is available. 

Although this debt is valid, it has been hard to work with many of the various creditors. Even though I have taken steps to communicate, the company does not seem willing to work with me. 

The debt was originally owed to Citibank and is referenced as such in the attached letter.

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 2021-03-12
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I submitted a dispute to Equifax. It is now XX/XX/2021 and the investigation has not been completed. This investigation has taken longer than 30 days. Equifax is now in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 did not do these i queries and would like them off my 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 2021-12-16
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: Account information incorrect

Complaint:
EXPERIAN, XXXX, AND XXXX have commited identity theft on my personal credit report by being deceptive. Fraud is deceptive. Deception means you are giving an appearance on something that is misleading. According to the FCRA, 15 USC 1692e, you can not use any deceptive/misleading representation. These practices can not be utilized on my credit report for PRIVACY. It is DECEPTIVE, because Experian, XXXX, and XXXX are telling my private information to the public people without my consent. I have private information being publicized. A consumer reporting agency can not furnish anything unless it was initiated by the consumer, which is myself. Which I never authorized them, resulting in deception! 15 USC 1681b ( c ) ( 3 ), 15 USC 1681d ( 1 ), 15 USC 1681m ( d ) ( 1 ) ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ;, 15 USC 6802 ( e ) ( 2 ) go in further detail of how I've been deceived. These accounts are deceptive, they are breaking my privacy rights and need to be removed! 

Not just that, but they are reporting inaccuracies throughout my consumer profile!! According to the FCRA, everything has to be reported accurately. 15 U.S.C. 1681i 55 ( e ) Treatment of Complaints and Report to Congress ( 1 ) In general. The Bureau shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 603 ( p ) contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. 

These accounts are deceptive and inaccurate : XXXX XXXX : acct. number : XXXX XXXX, EXPERIAN XXXX XXXX XXXX : acct # XXXX XXXX EXPERIAN- XXXX XXXX XXXXXXXX  : acct # : XXXX XXXX XXXX : acct # : XXXX XXXX AND XXXX online in sv : acct. # : XXXX XXXX AND XXXX- online in sv : acct. # : XXXX XXXX AND XXXX- online in sv : acct. # : XXXX XXXX AND EXPERIAN XXXX XXXX XXXX XXXX : acct. # : XXXX XXXX XXXX EXPERIAN XXXX AND XXXX- XXXX XXXX XXXX acct. # : XXXX XXXX XXXX EXPERIAN XXXX AND XXXX XXXX XXXX XXXX : acct. # : XXXX XXXX AND EXPERIAN XXXX XXXX XXXX acct. # : XXXX XXXX AND EXPERIAN XXXX XXXX XXXX : acct. # : XXXX XXXX AND XXXX XXXX : acct. # : XXXX XXXX- XXXX : acct # : XXXX XXXX XXXX XXXX XXXX : acct XXXX XXXX XXXX XXXX NO CREDITOR NAME : acct # : XXXX XXXX NO CREDITOR NAME : acct # XXXX 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 non-monetary relief
Consumer complaint received 2022-03-29
Company: BARCLAYS BANK DELAWARE
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:
XXXX XXXX XXXX ( XXXX  ) XX/XX/2022 I noticed this hard inquiry placed on my account but I never applied for such thing. 

BARCLAYS BANK DELAWARE ( Bank ) XX/XX/2022 This one was also placed as a hard inquiry on my account but again, never did I apply for a loan or credit card from either of these places and would like these taken off my account and resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: JPMORGAN CHASE & CO.
State: LA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX ssXXXX XXXX This letter is a formal request to remove inquiries from my 3 Bureaus XXXX, XXXX  and XXXX  per FCRA if the companies listed can not provide me with my signature that I gave authorization to the following companies. The following companies are XXXX  XXXX XXXX XXXX dated XX/XX/XXXX, XXXX  XXXX XXXX XXXX dated XX/XX/XXXX, JPMCB Auto Finance XX/XX/XXXX, XXXX XX/XX/XXXX. Please remove if a signed authorization with my signature can not be provided or validated under the 609 of the FCRA. 
Under the FCRA I ask you to investigate and to provide me with the authorized document with my signature that I in fact gave authorization to have my credit pulled. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of credit profile to me at the above address. 
If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion or your re-investigation. 
Thank you for your consideration and cooperation and if you have any question concerning this matter I can be reached at XXXX. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Good afternoon, I have a problem with my Chase check account the situation is that it was closed, in the app tells me it's for suspicious activity, from day to day no longer worked, I tried to communicate with the bank vary times and they hung the call on me, Yesterday I was finally able to communicate with them, to begin with the boy who attended me was very rude, he didn't give me any information at all. I asked him if he had been blocked. I have no problems at all if someone stole my identity I can't know why I don't have access to any of the accounts, he couldn't give me any reason or explanation, I asked him what I could do and he told me in a mocking tone " go to another bank '', I had a covid health problem and I couldn't make my chase credit card payments, but it was 2-3 months, I'm just committed to paying, but they don't even want to take care of me. I hope it helps, thank you very much in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: EQUIFAX, INC.
State: WA
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 have asked Equifax to provide copy of sign agreement, applications, and any other documents that show two accounts are being reported accurately. Equifax said each account was being reported accurately, but never provided any documents to prove so and all three accounts still show inaccuracies listed below. 

Dispute Letters Sent : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account Name : XXXX XXXX Issues : After investigation, account removed from XXXX Failed three times to provide copy of application, signed agreement, and all other documents to show account is accurate per section 609 Account Name : XXXX XXXX Issues : After investigation, account removed from XXXX and XXXX  Failed three times to provide copy of application, signed agreement, and all other documents to show account is accurate per section 609

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been receiving a number of calls this month ( XX/XX/2020 ) from Chase Bank, but decided to ignore them until today as they are coming in with a such frequency as to harass and annoy me. The calls are being made with automated pre-recorded messages as well. 

Today XX/XX/2020 a call came at XXXX XXXX trying to solicit me lower interest rates on my cell phone number XXXX. Eventually a person came on the phone and I told them to stop calling me. The Represenative on a recorded line said What the XXXX? And I hung up on them. 

No lawsuits have been filed as of this time. Please see attached demand letter and prior documentation regarding this matter. I am requesting that Chase Bank communicate regarding this entire matter in writing please only no phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed XXXX {$390.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$140.00} ; I XXXX XXXX XXXX Balance Owed : {$560.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$170.00} XXXX XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXXe XXXX XXXX XXXX Owed : {$73.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX/XXXX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-05-02
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Go XXXX issued me a credit limit of {$4700.00} towards my dental credit. When I went to the dentist, they charged the card for the full {$4700.00}. I had been calling the dentist and the credit card to complain that this wasnt correct. XXXX originally told me there was nothing they can do about it and to resolve the issue with the dentist. After 2 years, I finally got the dentist to refund {$3200.00} that I had been paying interest on after pursuing legal action. After the dentist refunded the money, I contacted XXXX and had to speak with a supervisor because they would not refund my check. After speaking with a supervisor who informed me that they could have disputed the charges from the first time I called and alleviated all of this pain, suffering and financial hardships Ive been cause because of this. That supervisor then filed a dispute on my behalf. I received a letter stating that I would be refunded {$310.00} in interest charges. I was never refunded and the dispute was closed. I have called the company numerous times and was refused names, a # and have been hung up on each time. I finally spoke with XXXX XXXX who stated that was transferring me to a supervisor. I was once again hung up on by the supervisor and I am at a point of a mental breakdown trying to have this issue resolved. If someone from the corporate office could call me to have this issue resolved because I am close to filing a lawsuit. This is causing me great pain. Especially not to be able to SPEAK with anyone who can help me!!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-25
Company: EQUIFAX, INC.
State: CT
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:
XXXX customer service would not help and take care of the negative inquiries reporting to your credit report that were not submitted with my approval or permissions. Unauthorized inquiries : XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: PA
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:
Please be apprised that you are in direct violation of the Fair Credit Reporting Act. In my opinion you have violated my rights : I understand you must complete a proper investigation within 30 days of receipt of my letter 15 USC 1681i ( a ). On XX/XX/2021, I received a copy of my credit report and found errors on it so I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request to Equifax to verify/validate an unverifiable item reporting on my credit profile. The item reporting on my credit profile is an account from XXXX XXXX, which I have no idea what this even means. 

You claim the account in question was verified but did not show proof as requested. I do not know what resources your company used to verify the account. The burden of Proof is on you. In this complaint accompanies my Letter asking for Removal of Inaccurate Credit Information. 
Thank you very much for your time Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation