BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-27
Company: JPMORGAN CHASE & CO.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Chase Auto Finance/JP Morgan Chase Bank repossessed my vehicle on XX/XX/2021. I Have since paid {$1700.00} that pays off the end of the loan. Additional fees have been added on for a total of {$2400.00}. When I get my stimulus check, I would gladley pay off the addtional fees. JP Morgan Chase maybe through this crisis, I am not. I have made a significant effort to pay off this loan, I think Chase Auto Finance/JP Morgan Chase Finance should work with their customers that make effort to pay on a loan. Previously, I have tried communicating with representatives of Chase Auto Finance that did nothing but humiliate me. Because of this experience, I have since developed XXXX, because I do not want to be humiliated by any financial institution about my difficult personal problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: EQUIFAX, 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:
Company Name : Equifax What happened : OnXX/XX/XXXX, I noticed my credit score had gone down by approximately 100 points. The report showed Equifax reported a collection/debt that was not mine. I looked at my Equifax credit report where in addition to the collection issue there was a false address as well as false employment information ( false employer ). 

I called the collection agency and the original creditor and they could not find any information under my name. On XX/XX/XXXX I submitted a dispute with Equifax. 

On XX/XX/XXXX I was notified their information was not only accurate but that they had updated my credit report with new information. 

Equifax is claiming that my dispute over their false information about me is not only incorrect but that after their investigation they were updating my file with more false information. 

The updated information reports the false address and employer information as my current address and current employer where before it was just listed without designation. 

It is very frustrating and almost impossibe to communicate with Equifax. For example, I am unable to view the status of a dispute because the website freezes me out. In addition, the wait time on the phone is never ending. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Experian Information Solutions Inc.
State: VA
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 contacted each of the credit bureaus to discuss an account that had been paid related to a collections that was showing on my credit reports for XXXX XXXXXX/XX/XXXX Not only did I provide proof that the collection account had been paid in XX/XX/2020, and was considered closed, but the collection company was somehow allowed to publish inaccurate information on my credit reports for the month of XXXX, stating that the account was seriously past due? Rather than update my account to reflect a paid status, the collections agency instead updated my credit reports with a consumer disputes account status instead, even after countless emails and phone calls to get the company to properly update my reports. If it is this easy for collections agencies to place inaccurate debt on your credit reports, then how does any of the requirements set forth in the FCRA actually protect consumers? How is this collection agency allowed to report a PAID account as being past due, AFTER it has been paid, and there is undeniable proof that the debt was paid? This is beyond unacceptable and I demand that my credit reports be updated to an accurate status and removal of this 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 non-monetary relief
Consumer complaint received 2022-09-05
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

Here is the list of account/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XXXX -- XXXX Balance : {$1600.00}, According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
The credit bureau is showing my XXXX account 30 days past due. This is inaccurate information. I have never been late

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 2022-03-09
Company: EQUIFAX, INC.
State: CA
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:
In XX/XX/2022 I filed a complaint with Equifax, XXXX, XXXX and I didn't receive a response back until back. Today 's date XX/XX/2022, this date is way passed the 30 days time frame allowed. i am requesting these following items be removed from my report 1. ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is duplicate with multiple listing as open error please delete inaccurate. ACCOUT NAME : 1. XXXX XXXX BAL : {$150.00} charged off listed 2. ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} 3.. ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX XXXX BAL : {$1000.00}. ACCOUNT NAME 4. XXXX XXXX XXXXXXXX XXXX XXXX {$2400.00} 5..ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX BAL : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

Here is the list of account/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX Date Opened : XX/XX/15 Balance : {$2100.00}, According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-04-17
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I called FirstPoint Collection Resource spoke with Mrs. XXXX and paid the collection on XXXX for {$120.00}. She told me that this would be removed from my credit within 30-45 days. As of XXXX is has not been removed. I have spoke with her multiple times with the same response, that she has sent to supervisor for removal. I would like to request that they comply with the removal that I was told via a recorded line with a automated universal data form to XXXX  for paid for deletion immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax is reporting three accounts on my credit that can not be validated and do not belong to me. I have disputed this on numerous occasions, on dates : " XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ''. The first account is under XXXX XXXX with account number " XXXX ''. The second account is under XXXX XXXX with account number " XXXX ''. The third account is under XXXX XXXX with account number " XXXX ''. The other credit bureaus have deleted the accounts once they verified the information was not mine and I am including the confirmation letters of the deletions in this complaint. See Attachment. How and Why is Equifax getting a different outcome for the same investigation the other two credit bureaus initiated? XXXX and XXXX deleted the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with 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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am submitting this complaint again because I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly verify this reporting information on my report and because of this I am now asking you for more information regarding this particular account in question. If possible provide facts that this supposed account was in fact delayed and that you have got the needed techniques to make sure you correctly analyze your claims. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXXLate/Open Late Date 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 explanation
Consumer complaint received 2021-04-17
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$2200.00} XXXX XXXX XXXX : {$1300.00} XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXBalance : {$1900.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX XXXXXXXX XXXXBalance XXXX {$3500.00} XXXX XXXXXXXX : {$140.00} XXXX XXXXXXXX : {$210.00} XXXX XXXXXXXX : {$210.00} XXXX XXXX : {$210.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the accounts completely from my Credit Report : XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX did not authorize XXXX XXXX XXXX XXXX XXXX, XXXX did not authorize XXXX XXXX XXXX XXXX XXXX, XXXX did not authorize XXXX inquiry XXXX XXXX, XXXX did not authorize XXXX inquiries XXXX XXXX, XXXX and XXXX XXXX, XXXX did not authorize Cap XXXX inquiries XXXX XXXX, XXXX - XXXX XXXX, XXXX - XXXX XXXX, XXXX did not authorize Ccb/ppc inquiry XXXX XXXX, XXXX did not authorize XXXX XXXX - XXXX XXXX, XXXX inquiry was not authorized XXXX XXXX XXXX XXXX, XXXX did not authorize

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 2022-09-05
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-04-17
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
To whom it may concern I am looking over my hard inquires with XXXX and there are a few inaccurate information that either should have been taken care of but for some reason wasn't. Today 's date is XX/XX/XXXX XXXX CARD in XX/XX/XXXX was fraud and XXXX  XXXX on the same date XX/XX/XXXX was never authorized by me I never signed anything and I was told would be off my report asap. I understand that's newer so that might take some time. I also have a discover XX/XX/XXXX which i spoke to plenty of times and they removed it from XXXX  and discover as i never authorized that either and was fraud. I wrote them letters and everything under fair credit report also so I am unsure why that is still on there. Than the last one that i never gave anyone any permission to run my credit was XXXX CARD XX/XX/XXXX. There customer service team was very helpful and removed from XXXX  and XXXX but it is still showing on my XXXX  credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the accounts completely from my Credit Report : XXXX XXXX  XXXXXXXX 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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXX : {$14000.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2021-04-17
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason. and will not help me with getting it resolved. Im not sure if this is some mistake as I assume it has to be. They have verified my identity and that my funds that were directly deposited were fine. I waited the 3weeks past their 180 lock out. Several phone calls were made and I was told that I would get an email to transfer my money would be sent in 72hours ... .got nothing I was informed to write to your company letting you know paypal is not doing their jobs professionally. 
my email address for paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: Blackhawk Network Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I got a {$300.00} prepaid XXXX at a XXXX conference last year. I used it once and I noticed today that the expiration date is XXXX. So according to your web site, https : //www.consumerfinance.gov/ask-cfpb/if-my-prepaid-card-expires-do-i-lose-my-money-en-423/ I should be able to get a new card to use the rest of the balance. 
I called the 800 number on back of the card and they told me that was not possible. That it was expired and could not be renewed.

Company response to consumer: Closed with explanation