BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-11
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX, 2021, I wrote to the company to ask about some purchases that I made, which were subsequently canceled and the company refunded my money. I was curious why this didn't show up on my statements. I never received an answer. Instead, about a month later, I received a letter in the mail ( from Chase ) telling me they were researching my " dispute. '' I wrote back, saying I hadn't filed a dispute and asked what the topic of this supposed dispute was about. I have never received an answer. Approximately 30 messages have gone unanswered by them. Phone calls aren't answered. 
Today, I got another letter, telling me that I am going to be charged {$100.00} because they reversed their decision on my dispute. This is outrageous. I NEVER FILED A DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account has been frozen since  XXXX   XXXX . I am unable to login, move, or withdraw funds. These are funds I depend on for my living expenses and Huntington bank has not given me any time frame or answered any questions regarding the freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent a cease and desist notice by certified mail to TD auto that was received on XX/XX/XXXX. I made a complaint about the company after receiving numerous calls, text and bills from the company dated after that date. The first complaint for this company was closed ( complaint code XXXX. ) The response back from the company they apologized for contacting me after cease and desist notice explaining they needed time to forward the cease and desist to the right people. The last XXXX days ( XXXX XXXX ) I received XXXX more notices by the company I need this company to stop XXXX me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: FL
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 XXXX accounts, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, have all violated my rights. 

I XXXX XXXX, Consumer, and natural person, am aware of all rights that I have, and which are protected by the congress under the fair credit reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 XXXXXXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXX  XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX SOC SEC ADMIN OFFICE O Account # : XXXX SSA/OFFICE OF FINANC Account # : XXXX XXXX XXXX XXXX Finance : XXXXL XXXX Banking : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX Miscellaneous and Public Record : XXXX XXXX XXXX Finance : XXXX XXXX XXXX Banking : XXXX XXXX Banking : XXXX XXXX XXXX Finance : XXXX XXXX Banking : XXXX XXXX Banking : XXXX XXXX Real Estate and Public Accommodation :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
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:
MY CHILD SUPPORT CASE HAS BEEN DISPOSED AND SHOULD BE REMOVED FROM MY 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 non-monetary relief
Consumer complaint received 2022-03-11
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Southwest credit systems, l. P. Is furnishing Incorrect and inaccurate information. The account number they have down is incorrect. Southwest Credit Systems purchased a debt from XXXX XXXX. The account number says XXXX XXXX XXXX is simply the wrong account number which makes this inaccurate in incorrect information in Southwest Credit Systems must be removed and deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Swe Homes LP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Required down payment before credit was issued, shring private info like my ss # breached and should have PAID FOR THE condo in total, accepted several payments and stole the home in foreclosure two years later. HORRIBLE COMPANY, AND HORIIBLE TATTICS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: KMT Group, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is about a complaint i loged against the company XXXX XXXX XXXX with the cfpb on XX/XX/XXXX for triying to garnish my wages.the complaint # is XXXX. In their response the company indicated That they no longer own the debt and i should contact kmt group which is just a debt relief law firm.XXXX XXXX XXXX just send a certified letter to my job place to start garnishing my salary.they actually deceived the cfpb by saiing they transfer the debt to KMT.the proof is XXXX XXXX XXXX is the plaintif against me ( i will attach the copy of the letter send to my job ) .As i said before why do they asking me to paid {$3800.00} plus interest of XXXX. I spoketo someone who said the debt is from XX/XX/XXXX and i can find it on my credit report.please help i makeabout $ 430.00/weekwith a family of XXXX.XXXX XXXX XXXXstill triying to collect with the help of XXXX XXXX XXXX XXXX.thznk you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In XXXX, XXXX, I applied for the federally subsidized, pandemic mortgage assistance program that was just started that month after finally being approved by the XXXXXXXX XXXX XXXX. The program in my state, XXXX, is called the XXXX  XXXX and is administered by the XXXX Department XXXX XXXX XXXX. I was then instructed when after I applied to contact my lender service provider, XXXX aka XXXX XXXX XXXX XXXX to request their participation in the program. In XXXX, XXXX I was notified by XXXX that they would agree to participate. I was approved for assistance in XXXX, XXXX, and a payment was made to XXXX in XXXX, XXXX. At the time I applied for assistance and notified XXXX, my mortgage was current and there were no past due payments. After beginning to participate in the XXXX XXXX program, XXXX began to report my payments as past due for XXXX days starting in XXXX, XXXX days in XXXX, and then XXXX days for XXXX, XXXX and XXXX. After payment was made to them by the XXXX XXXXXXXX program in XXXX, XXXX, they did not update my credit report to reflect payment until XXXX, XXXX. The update now shows my payments as current, but they did not update my credit report regarding the XXXX, XXXX and XXXX months of XXXX day past due payments. I disputed this with them and with the credit bureaus as it is my understanding that participation in any federal program for pandemic related mortgage assistance allows for credit protection under the XXXX XXXX ; as long as you are current with your payments at the time you begin to participate in any program. I have disputed the incorrect information now being reported in my credit report with all of the credit bureaus based on this. The credit bureaus have contacted XXXX and are claiming that XXXX is refusing to correct my credit report. Please contact XXXX and request that my credit report is fixed and should have been protected by the rules of the 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 2022-03-11
Company: Experian Information Solutions 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:
Hi, my XXXX XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my identity to the identity theft affidavit. Please remove these items as soon as possible.

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 2017-06-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
on my student loans 90 day late is reporting, but to my knowledge these 90 day lates are inaccurate. hence attached letter, i was recovering from XXXX XXXX XXXX accident which happened to me in 2014. i questioned the creditor to remove the delinquencies but, they explained that i had to be a veteran in order to be qualified for the removal of the delinquencies. i have attached the letter that i have also submitted to the creditor and to all three bureaus, please go through my letter carefully and you will see that i have been in the worst situation and i do deserve to be given a second chance. i would greatly appreciate for your cooperation in this matter. gratefully yours, 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 explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are XXXX inquiries on my report that are unauthorized and unverified. I've already contacted the original creditors about these.

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 2022-09-07
Company: Experian Information Solutions Inc.
State: AL
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:
I do not recall signing any release of medical records form for anyone to release my information. Health Insurance Portability and Accountability Act of 1996 protects me from having my information released or sold without Consent.

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 2017-06-21
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX often does n't remove negative items from credit report and are old inaccurate outdated information outdated inquiry which are hindered me from getting credit and increasing my credit score.

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 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX often does n't remove negative items from credit report and are old inaccurate outdated information outdated inquiry which are hindered me from getting credit and increasing my credit score.

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 2017-06-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom it may concern : I mailed a certified letter about unauthorized multiple inquiries on XX/XX/XXXX to dispute information, regarding over 45 hard inquiries for XXXX 25 for Experian and XXXX for XXXX that was placed on my credit reports. They received the letter on XX/XX/XXXX. They completed the request XX/XX/XXXX. The request I submitted was over 45 ( XXXX ), 25 ( Experian ),  and 20 ( XXXX ) hard inquiries that were not factual and I received the same response, that inquires are factual and can not be disputed. But according to the FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response in 7 days after they received my letter, one can assume that there was no investigation. A fraud alert was place on my credit file, I then called XXXX to see why the dispute was not investigated, they told that they dont investigate inquires, I said but I have a Fraud alert on my file, they told me that even if I am a victim of identity theft that they still can not remove inquires. I have not contact Experian or XXXX  fearing I will get the same response. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does not belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.

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 2022-03-11
Company: Social Finance, Inc.
State: MT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2022, after 2 failed deposits in different amounts and 1 failed accidentally scheduled a deposit for {$1.00} my account was frozen, and my stock positions sold for a loss. I have called and called the number provided in the message that states the account it frozen. The number goes straight to voice-mail and I've left several messages. On XX/XX/2022 I called every number on the company website until I was finally able to speak to someone. They informed me that my account was frozen and I would have to wait for the risk team to sort it out and I was promised an email decision by the end of the day. XXXX I called again and was informed the account was frozen for 60 days. At this time i.also discovered my stock positions had been liquidated at a loss although my account balance was well above zero before the sale. On XXXX I called again, asking for a reinstatement of my positions or the ability to move my money out. I was informed again that the account was frozen and I wouldn't be receiving my gains previously made, just my initial deposit of {$960.00}, and not for 62 days, vs 60 I was told the day before. There is no reason my account should remain frozen, especially for 60-62 days. They also asked me to lie to my depositing bank and claim.i hadn't sent the {$960.00} in order to speed up the process of the return. I will not lie to my bank, nor will I lose the {$400.00} in gains that I made using the {$960.00}. My frozen account balance is {$1300.00}, and I shouldn't have to wait 2 months and/or lose {$400.00} because of a simple error in depositing funds.I 've cost no one any money, I've done nothing illegal, and I don't feel that selling my positions without my.permission is fair. The sale of all stocks resulted in {$190.00} in losses at the time, and untouched until present would have been a far greater amount of gains, costing me even more. I have begged, pleaded, and threatened legal action to no avail. Simply put, Sofi had stolen {$400.00}, locked up {$960.00}, and cost me and additional {$190.00} in just one day of unwarranted actions. In 62 days my {$960.00} is.supposed to be returned but I received a message today from SoFi explaining that it will take up to 180 days. The potential loss is exponential in 6 months time. I want my money, XXXX {$1500.00} returned to me immediately by check or as a transfer to another trading platform. I shouldn't have to wait 6 months for only a percentage of my money to be returned. I saved for a long time to have this money to invest since I don't have a retirement plan. This sets me back 6 months, but likely.much much longer. Stocks are at historic lows making for a.great opportunity that I'm getting robbed of because SoFi doesn't want to release my funds back to me or allow me to transfer my small investment to another brokerage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
To whom it may concern : I mailed a certified letter about unauthorized multiple inquiries on XXXX XXXX, 2017 to dispute information, regarding over XXXX hard inquiries for XXXX XXXX for XXXX and XXXX for TransUnion that was placed on my credit reports. They received the letter on XXXX XXXX, 2017. They completed the request XXXX XXXX, 2017. The request I submitted was over XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ( TransUnion ) hard inquiries that were not factual and I received the same response, that inquires are factual and can not be disputed. But according to the FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response in 7 days after they received my letter, one can assume that there was no investigation. A fraud alert was place on my credit file, I then called XXXX to see why the dispute was not investigated, they told that they dont investigate inquires, I said but I have a Fraud alert on my file, they told me that even if I am a victim of identity theft that they still can not remove inquires. I have not contact XXXX or TransUnion fearing I will get the same response. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does not belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.

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 2022-03-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2018 Portfolio RC : Balance {$470.00} Don't recognize account Looking forward to getting this negative items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: MS
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 my second attempt to correct my personal information with experian, XXXX, and 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 2022-03-11
Company: EQUIFAX, INC.
State: MS
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 my second attempt to correct my personal information with XXXX, XXXX, and equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 my second attempt to correct my personal information with XXXX, transunion, and 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