BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Dear sir, Today, XX/XX/XXXX, I tried to figure out the proceeding of my closed credit card ending XXXX. Since I found out this card had been charged before I received the card itself, I asked the Chase bank to send a replacement card. I remember the customer service of your company, telephone number XXXX ( ext. XXXX ), called me on XX/XX/XXXX telling me that the procedure was on process and let me know later. I told her I wanted to receive a replace card, which I could use safely, since I was charged before I received a card ending XXXX. 10 days passed, I thought I would receive another replacement card : however, not. Therefore, I checked the Chase Bank website and found out I could report my card, this ending XXXX, as fraud, be closed, and to request a new replacement card ; even though I asked them to send me one before XX/XX/XXXX. Also, I have searched online above-mentioned customer service number, which was XXXX, and found out this number was commented as fraud at XXXX. I am not sure whether this number is really fraud or not, since I received call from there twice ; either case just stating under investigation or something under preparation of report. Since I am under stress to change the payment methods, this proceeding is not comfortable. Shortly, would you send me a replacement card, which does not finish XXXX, and can use safely? 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$20000.00}

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2023-11-04
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately

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 2023-10-16
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 Account # XXXX XXXX, XXXXXXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for a purpose.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hey Im writing this complaint because consumer reporting agencies have failed to remove dismissed bankruptcy from my credit report after its been remove from ( 1 ) bureau due to inaccuracies. I am aware this is a violation to my consumer rights & should be handled accordingly.

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 2023-08-09
Company: Hatfield, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I submitted two separate tickets to cancel my membership with this company. However the first ticket was not honored. They make it seem as if your request will be handled in email however they only respond in a hidden chat box hidden in the app. Also after submitting a ticket to cancel in the chat box it states If you would like to chat with a live agent, please stay in the chat. This is very misleading. After submitting a ticket where you clearly express that you would like to cancel and delete your account, nothing is stated that you have to respond to them in the chat in the app in order to actually have the account cancelled. I was charged for two months of the subscription because of this and only after the second ticket was I able to cancel this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A collection added in is directly affecting my finances. It is unethical, incorrect, and not being reported. This account should not be on my credit. 

XXXX and Equifax : Account number XXXX. MUST BE REMOVED NOW XXXX : XXXX account number has never been late. This late payment MUST BE REMOVED FROM XXXX immediately. 

I disputed XXXX capital on XX/XX/2023 as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/2023 Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations, I the consumer may have given you written, unwritten verbal and non-verbal permission 15 USC 6802.

Per the privacy act of 1974, as amended 5 USC 552a The privacy act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is closing out my complaints withouut addressing the serious errors in information its furnishing to the CRAs. It has closed out complaints { XXXX, XXXX } and marked them as duplicates of XXXX. 15 U.S. Code 1681s2 ( a ) ( 5 ) ( B ) require the date of first delinquency ( the commencement of the delinquency on the account that immediately preceded the charge-off ) must be a date that PRECEDES the date of charge-off action. To quote XXXX in many of its responses it alleges : " It was charged off on XX/XX/XXXX. '' Now XXXX knows or has reasonable cause to believe it is reporting the incorrect information because it tries to explain away what itss doing, " It is important to know your account charge off date of XX/XX/XXXX has not changed, '' presumeably because the Date of First Delinquency informaton it is furnishing to the CRAs is XX/XX/XXXX. This is a date that is explicitly prohibited under the FCRA. However, XXXX places the blame on the CRAs claiming, " we have no control over how the credit reporting agencies display the information we provide to them. '' This might be believable except, the table XXXX itself provided in its response to XXXX shows they only started reporting the alleged charge-off status on or around XX/XX/XXXX. XX/XX/XXXX is not a date that precedes XX/XX/XXXX and XX/XX/XXXX is not a date that precedes XX/XX/XXXX. Neither XX/XX/XXXX nor XX/XX/XXXX are accurate dates to allege a date of first delinquency. No doubt XXXX is engaging in unfair and unlawful acts and/or practices by furnishing information to the CRAs that under 15 U.S. Code 1681s2 ( a ) ( 1 ) XXXX knows or has reasonable cause to believe is inaccurate. Any reasonable person can see it is inaccurate, yet XXXX continues to furnish this date to the CRAs. Therefore, the payment history, charge-off status, derogatory account narratives, and charge-off annotations must be removed because the information does not meet the requirement of maximum possible accuracy under 15 U.S. Code 1681e.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have deposited a check on XX/XX/XXXX and it was suppose to be available on XX/XX/XXXX. However Chase bank has placed a hold on a check for future verification. I have contacted Chase bank at least 6 times with a total of 8 hours of phone time trying to resolve this issue.

Chase states that in order for them to release the funds I should provide them with a phone number of the issuer. And I have done so. I have contacted the issuer and asked for at least 10 different phone numbers for chase to call and verify but Chase states that those phone numbers are not valid for the company and they do not have any valid phone numbers for the issuer in their system.

Chase states that the only ways to remove the funds is to either go inside the branch together with the issuer ( which is not possible since it is an insurance company across the country ) or to have the issuer call back the funds and reissue the check. 

I have contacted the issuer about recalling the funds and they told me since it was already deposited there is no way to withdraw the funds and I will attach the copy of the email from the issuer for the records. 

Basically my funds have been stuck at chase for a month and i really need them. I am out of options and just trying to get the funds. 

Also chase has closed my account and refuses to send me the funds that are on the account to my mailing address by check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
I applied for a mortgage loan through Navy Federal Credit Union the earlier part of this year and was denied. I had just paid off several of my debit and my credit scores were high. I did not pursue more information on the denial I've also been a member with NFCU for well over 6 years. I've had a personal and a car loan through them which I've never missed a payment. I have no clue why I was denied I had quite a bit in savings which they saw.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
BANK OF AMERICA ACCOUNT # XXXX This charge off account does not belong to me. I have requested on numerous occasions to investigate this matter and Bank of America has not been able to properly process my request. 

The inaccurate information on my credit file by Bank of America has affected my ability to obtain credit and to have the correct information reported by law under the FCRA. Since the information can not be verified, I request that it is removed from my credit report immediately.

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
State of Alaska Department of Revenue Child Support Services Division ACC # XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumers reporting agency can not furnish a account without my written instructions

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 2023-12-15
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
After a recent article came out with XXXX investigating NFCU about its denial of more than 50 % of its XXXX loan applicants and approving 75 % of its XXXX loan applicants. I beleive that all of my loan applications since 2020 have been denied based solely on my race ( XXXX ) and not based on my credit score and level of income. 

In fact most of the applications will not even let you complete it after using demographic information such as a social security number. A social security number contains all demographic information needed for a the application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: MID FLORIDA FINANCING LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company communicating payment assistance or payment extension options

Complaint:
I PURCHASED A VEHICLEXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FROM XXXX XXXXXXXX XXXX XXXX XXXX IN XXXX FL. THE SALESMAN TOLD ME THAT NOT ONLY IS THE VEHICLE PUT THROUGH A RIGOROUS INSPECTION, BUT IT ALSO COMES WITH A 24-MONTH WARRANTY WITH A XXXX DOLLAR -DEDUCTIBLE. 
XXXX XXXXXXXX ALSO ADVERTISES THEIR IN-HOUSE FINANCING WITH MID FLORIDA FINANCE LLC WHICH IS THEIR FINANCE COMPANY. 
FAST-FORWARD I WAS DRIVING ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. WHEN THE CAR STARTED XXXX AND DECELERATING. THE CAR STOPPED RUNNING ABRUPTLY AND I HAD TO QUICKLY MANEUVER IT TO KEEP FROM BEING IN THE BUSY XXXX XXXX XXXX 
THE CAR XXXX PREVIOUSLY, BUT I THOUGHT IT WAS THR GAS. 
I WAS STRANDED OUT THERE FOR 4 HOURS, LEFT THE CAR OUT THERE TILL THE NEXT DAY, AND HAD IT TOWED TO THE MECHANIC THEY RECOMMENDED ME TO. HE TOLD ME HE HAS CARS COMING FROM XXXX XXXX EVERY D AY FOR REPAIR. 
I WAS LAYED OFF ON XX/XX/XXXX AS AN XXXX. I EMAILED MID-FLORIDA FINANCE LLC AND EVEN UPLOADED MY UNEMPLOYMENT COMPENSATION INFORMATION WITH THEM. LATER I FOUND OUT THAT THEY DO NOT CHECK EMAIL BUT CAN CALL YOU WITH HARASSING PHONE CALLS AND THREATS. 
I WAS WITHOUT A VEHICLE FOR OVER 2 MONTHS, IN THIS WAS NOT MY FAULT. I WAS UNABLE TO WORK OR LOOK FOR WORK, MISSED DOCTOR APPOINTMENTS, WAS STRESSED, AND WAS EMBARRASSED DUE TO THIS SITUATION. 
ALL MID-FL WANTED WAS MONEY IN MY SITUATION, GRANTED I LET THEM KNOW THAT I FOUND A JOB AS A XXXX XXXX, AND WILL START WORK ON THE XXXX OF XXXX. 
IT IS AMAZING HOW I PAID THEM THEIR MONEY AND HAD TO WAIT TO GET CAR BUT THEY CAN WAIT FOR ME. I FEEL THEY KNEW THE CAR WAS A LEMON OR NEEDED A TRANNY, USED ME TO GET IT FIXED AND REPO VEHICLE TO LATER RESALE. 
I SEE THEM AS A PREDATORY LENDER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TransUnion and XXXX keeps posting inaccurate information on my credit profile

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 2023-09-21
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting 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. 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 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