BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On or around XX/XX/XXXX, I discovered a series of fraudulent transactions that occurred with my Chase accounts while I was on vacation overseas. This was directly tied to a series of mail theft that was happening in my building and surrounding area during this time. Two of my accounts, a personal checking account and a business checking account were both affected. Chase unilaterally decided to close my business checking account while keeping my personal checking account active. They suspended the funds in the personal account while issuing a refund for the business checking account in the form of a mailed check. This was explicitly against my instructions and intentions as I had no way of retrieving any form of payment, and due to ongoing mail theft, it was unlikely that this would be a safe method that would not be intercepted. Upon my return back to XXXX XXXX in XXXX, the check had not arrived. Chase did not take the necessary precautions to safeguard and disburse my account funds in instances of mail and identity theft. I attest that, to this day, I have not received or redeemed my business checking funds from the account that Chase decided to unilaterally close. 

I escalated this with their team repeatedly over the course of XXXX and XXXX to no avail. The Chase branch where this happened could not help me resolve it either. On three separate visits to the Chase branch previously located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( where some of this identity theft and fraud happened ), their customer service team called the Chase fraud department in an attempt to resolve this. On or about XXXX and XX/XX/XXXX, during a branch visit, XXXXhase confirmed that they would be sending a new check for the balance on my business checking account, for a total of {$6400.00} and some change to a different address that is considered safe and secure. This was confirmed by the representative at Chase ( XXXX XXXX ). To date, no such check was sent, and attempts to reach them since have gone unanswered. With the branch at XXXX XXXX XXXX closed, I have limited recourse as my primary contact there is nowhere to be found.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Experian Information Solutions Inc.
State: GA
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:
CFBP failure to enforce under 5 U.S.C. 1681 ; 15 U.S.C. 1681 ( b ), 15 U.S.C. 1681a ( d ) ( 3 ), 15 U.S.C. 1681b ( a ) ; ( g ) and 15 U.S.C. 1681c ( a ) ( 6 ) ; Section1681 ( e ) ( i ) ; 1681 ( g ) ; 1681 ( o ) alternatively Section 1681 ( n ) to date, cause consumer bodily  harm to date.Experian and its Sr. Gen. Counsel XXXX XXXX failure to respond or redress consumer complaints via by XX/XX/XXXX Complaint # XXXX ; XXXX shown ( CRA ) acting futherance in non-compliance in meeting CFBP deadline on XX/XX/XXXX. The non-answering of complaint with detailed statements and facts the steps have taken to redress my complaint timely. Again ;  Experian and its Sr. Gen. Counsel XXXX XXXX again shown CFBP failed to respond or redress consumer complaints via by XX/XX/XXXX complaint # XXXX ; XXXX ; XXXX. 

Experian Counsel Mr. XXXX sent me via email the ( CRA ) found 2 disclosures that fall during the time period Experian have inaccurately reported the public record. The time period of possible inaccuracy is the date from when it was dismissed, XX/XX/XXXX, to the end of the mediation program timeframe, XX/XX/XXXX. 

Experian admonition having falselyreported the inaccurate or erroneous false judgment as public record on my credit report from time period ; XXXX, through or during XX/XX/XXXX, to the end of the mediation program timeframe, XX/XX/XXXX. Current to date erroneous civil judgment is past 7 year statue, shown since XXXX was falsely opened and shall remain until XXXX is in violation 5 U.S.C. 1681 ; 15 U.S.C. 1681 ( b ), 15 U.S.C. 1681a ( d ) ( 3 ), 15 U.S.C. 1681b ( a ) ; ( g ) and 15 U.S.C. 1681c ( a ) ( 6 ) ; Section1681 ( e ) ( i ) ; 1681 ( g ) ; 1681 ( o ) alternatively Section 1681 ( n ) to date, cause consumer bodily harm to date.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the 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 2021-12-16
Company: EQUIFAX, INC.
State: NC
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX is reporting incorrect information on my credit report. I went to school on a full-ride scholarship and someone obtained financial aid in my name. This issue is pending SUPREME court. XXXX is very well aware of this situation and you need to stop them from reporting fraudulent information on my credit profile. Under The Fair Credit Reporting Act ( FCRA ) there are procedures for correcting fraudulent information on your credit report and requires that your report be made available only for certain legitimate business needs. 

Under the FCRA, both the consumer reporting company and the information provider ( the business that sent the information to the consumer reporting company ), such as a bank or credit card company, are responsible for correcting fraudulent information in your report. To protect your rights under the law, contact both the consumer reporting company and the information provider.

PLEASE STOP REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied and was approved for a new credit card account with home depot Credit Services. At the time of application they had a promotional offer of {$50.00} off purchases of {$300.00} to {$990.00} within 30 days of opening the account, in store purchase or online. I made my purchase online on XX/XX/20 for a total of {$360.00}. I called home depot credit services after my purchase and was told the credit would be applied in 2-3 billing cycles. After the 4th billing cycle I called to check status on the {$50.00} credit and was by the first rep that I did not qualify because the promotional offer is based on the 1st purchase  made on the new account, my pfirst purchase was made XX/XX/20 for {$21.00} therefore i did not qualify. Fine print of the offer does not mention this. I requested to speak to a manager her name was XXXX, and manager gave me several different excuses as to why I did not qualify. 1st purchase had to be in-store, 2nd : {$360.00} was broken down into different orders under {$300.00}, 3rd, I used a coupon for purchase. None of these fake excuses are on the fine print, Manager offered to apply {$25.00} credit but i declined as I followed the fine print of the offer as required, they should apply the full {$50.00} credit per offers terms

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 2019-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent in dispute letters asking for detailed proof with my original signature showing that the account belonged to me and received a response from the credit bureau that the information was verified. The creditor didnt reply with the proper information showing my original signature. Therefore this is against FCRA and the accounts should be deleted immediately due to the fact that the creditors didnt reply with proper information. Ive sent in several letters asking the same exact things and now Im frustrated because they are not providing proper documentation. I wrote Transunion, XXXX, and XXXX and the accounts care back verified with no proof of original signature. I do understand that this is illegal and Im at the point where I would like to file a lawsuit due to the fact that no one is properly investigated the items being reported.

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 2017-10-16
Company: Experian Information Solutions 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:
Now that XXXX has let my personal info out, I went to freeze my credit with the credit bureaus. Experian and XXXX are chaging me {$11.00} and {$10.00}, respectively. This is outrageous! And I will need to pay this every time I want one of their customers to use their credit file to decision me. XXXX even has a waiting period for the unlock to occur! This is unacceptable. I am not going to pay $ 10+ to apply for credit. 
This should be a free service that is paid for by the credit bureaus as a collective. They should be required to develop an app for phones so consumers can quickly and easily unlock credit files or individual companies or all three.

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 2017-07-25
Company: TOYOTA MOTOR CREDIT CORPORATION
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 status incorrect

Complaint:
I had a satisfactory account with  XXXX   XXXX  for over  three years. There w as a total loss to the vehicle and a balance was due that I was n't aware of. I subsequently qualified for a second loan with the institution 5 months prior and was never contacted about the first being in rears. The following year I discovered it in derogatory status on my credit report and immediately paid it in full. Representatives of the institution refuse to update my credit report accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
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:
I sent in dispute letters asking for detailed proof with my original signature showing that the account belonged to me and received a response from the credit bureau that the information was verified. The creditor didnt reply with the proper information showing my original signature. Therefore this is against FCRA and the accounts should be deleted immediately due to the fact that the creditors didnt reply with proper information. Ive sent in several letters asking the same exact things and now Im frustrated because they are not providing proper documentation. I wrote XXXX XXXX, and Experian and the accounts care back verified with no proof of original signature. I do understand that this is illegal and Im at the point where I would like to file a lawsuit due to the fact that no one is properly investigated the items being reported.

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 2020-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have reached out to XXXX on 2 occasions, XX/XX/2018 and XX/XX/2018. Over the years I have taken several student loans all the way through XXXX school. Each one of the loans showing as an individual account on my credit. Navient ( loan servicer ) failed to disclose my ability to consolidate and my rights to a forbearance or alert me of deadlines. I told them that I couldn't afford the {$2000.00} per month payment and never did they tell me I may qualify of Income Repayment. It wasn't until I reached out to XXXX XXXX that took care of all of this for me. They consodolidated my loans, put me in a forbearance and once that was done, my payment was {$260.00} per month. It is because, XXXX failed me as a lender that because of the alleged 8 payments they claimed I missed, that I have over 160 late payments with them across 20 individually reported accounts. I reached out to XXXX and the credit bureaus, as the loan reporting is very sketchy. Some months they don't have any reporting at all. I have only had success with XXXX. XXXX has been paid. XXXX should take ownership of their terrible lending practices of reaging my account by applying {$1.00}. Payments to borrowers loans so they never age off.

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 2019-12-23
Company: Home Point Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage Company - Home Point Financial Corporation I paid bi-weekly mortgage payments without knowing that Home Point doesn't accept bi-weekly payments. One payment was applied to principal and the other is in suspension. I have been calling up the company for almost 3 weeks now to get this fixed. Every time I am told that this will be fixed within the next 24 to 48 hours. Nothing has been done about it till today. I have also sent several emails to their customer care email id and their supervisor XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: ENCORE CAPITAL GROUP 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 status incorrect

Complaint:
I have reached out to XXXX and also to the collector MIDLANDCRE regarding the account in question. They are reporting this account as an open account and reporting the payment history as " OK '' in the history section. however in the account status they are reporting this as derogatory account/ collection account. I was trying to investigate this account but there is not an original creditor listed for me to reach out to to validate this debt. Please have this account removed as it is hindering my credit and i cant validate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
To Whom It May Concern : I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/2020 or my company account. 
I want you to know that I understand and have great respect for my financial obligations. 
Unfortunately, at the time of the incident mentioned above, I had to file for a Chapter XXXX Bankruptcy XX/XX/2020 of this year. My bankruptcy was rightfully XXXX as of XX/XX/2020. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 
In the near future, I am planning on applying for Auto Loan, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify. 
In my heart, I know that the missed payment doesn't reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment ( s ) on XX/XX/2020 from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 
Thank you for your consideration. 

Have a blessed day!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 been disputing these inquiries since at least XX/XX/2017 I have called the companies that are listed with inquiries and they tell me either they have no record of me in their systems or have not initiated the inquiries. I want them removed from my credit reports. According to TransUnion they are " permissible purpose '' inquiries. If the companies claim they have no record of me or an application on or around the dates listed, then there WAS NO " PERMISSIBLE PURPOSE '' whatsoever. I want the inquiries listed below deleted immediately. 
. I have sent to TransUnion their required information they requested to have the inquiries removed from my previous dispute, and still they are on my credit report. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX, 2017, XXXX XXXX XXXX, XXXX XXXX XX/XX/2017, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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 2021-12-16
Company: Experian Information Solutions Inc.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XXXX XX/XX/2021, I received a notification on my phone as well as an email indicating my payment declined ( {$19.00} premium monthly monitoring services ). I use a prepaid card for this account due to previous dealings with Experian over charging my card in the past. Well, nevertheless ... .I was like I'll just downgrade the services fir some of the " premium '' perks weren't needed. When I went to log in I was unable to fully get into my account. Experian will not let me log into my account until I pay {$19.00} for the next 30 days. I'm not sure why I can not fully log in and just downgrade the account. If the one of the monthly services is " FREE '' then why don't they just block or stop premium access and allow me to sign under that? The only thing I am worried about is the fact they, as in EXPERIAN will downgrade your credit score and unlock your report ( unfreeze-even if the freeze is supposed to be a free service to consumers ) if you do NOT pay the premium score. I mean I'm already fighting with them to remove to items that are out of date to be on my report due to Alaska FCRA rules but it's a no ein situation with Experian. I just want to be able to log in and change my subscription

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 2021-07-21
Company: Experian Information Solutions 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 no knowledge of the following false accounts : 1.XXXX XXXX XXXXXXXX account XXXX 2. XXXX XXXX XXXX account XXXX Please investigate and delete asap.

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: 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation