BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
A record of my Bankruptcy must be erased. My Bankruptcy was submitted in XXXX, and discharged in XXXX. For ten years the record has been maintained on my credit sabotaging my attempts to obtain a loan. It is time to erase the Bankruptcy from my credit file.

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 2017-03-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I would like to file a complaint against a Chase Bank that is located on XXXX, XXXX, CA XXXX for treating customers in an inappropriate way. My son and I were at that mentioned location yesterday XX/XX/2017 at XXXX pm. Their hours show they closed at XXXX pm. We were greeted by a young lady who asked us what was the reason we went there for. We told her that we wanted to open an account. She wrote down my son 's name and we were told to take a seat. We were waiting and there were XXXX groups of people in front of us. At about XXXX, we were told by the young lady that they could n't help us open an account today because they stopped opening accounts at XXXX pm. She suggested we could either make an appointment for another time or come back the following day. When I heard that, I was so upset. She should have told us about XXXX when she knew about the situation. It would not be a big deal for me if we had been waiting for ONLY XXXX minutes, but we had been waiting for half an hour and were told we could n't open an account. They wasted a half an hour of our time for nothing. So I told her I wanted to file the complaint with the manager. She told me the manager was not there so she let me talk to the XXXX teller, who also told us that they could n't help us today. My point is if they already knew the cut off time to open a new account is XXXX pm, why did the young lady not tell us at XXXX? Why did she wait XXXX minutes to XXXX pm to inform us that they could n't help us to open the account today. I have no problem with leaving if we had just been waiting for XXXX minutes but we were waiting for half an hour and were sent home. This is not an appropriate way to serve the public. The reason I am filing a complaint against Chase Bank is because I do n't want them to treat other customers the same way that they treated us. I still think that they should have stayed longer to help us to open the account because we did n't walk into the bank XXXX minutes before they closed. I left the Chase Bank angry and upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Quick Debt Services LLC
State: MD
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:
All three credit reports are inconsistent. I continue paying down my credit cards on my credit report does not go over XXXX for the last XXXX  years has been a real inconsistent pattern with my credit report. Please investigate this situation.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-16
Company: FIRSTBANK
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Been a 1stBank customer since 2017. In the beginning, everything was great. Then they closed my account due to overdraft over 30 days but it had only been 22 days and I advised the teller and bank manager of this- XXXX is the absolute XXXX  person in the history of 1stBank and since they arent even following what they promise, I have also reported this event to the Attorney General of Arizona XXXX Colorado and the CFPB XXXX I am pursuing every single option I can to have this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24
Company: JPMORGAN CHASE & CO.
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I recently deposited a {$7000.00} check into my account at Chase bank, this is something that I have done in years past. I have now been told that this is unusual activity and have froze me out of my account entirely. They are now asking for me to speak with the maker of the check which is not a possibility because the maker of the check is XXXX and does not have a car to get to a branch. I have spent 6 hours on the phone with chase trying to resolve this issue and I have been lied to on several occasions by being told that Chase calls the maker of every single check written and deposited into a chase account. I have been labeled as a criminal, and accused of fraud and I am tired of being harassed and lied to by chase. I have shown them check images of previous deposits, and that was not enough to show that this was not an unusual activity. After several phone calls with chase we were told that a notarized letter would work to verify that the maker of the check wrote the check, while writing this complaint right now the joint holder of the account is on the phone with chase and now they are saying that a notarized letter will not suffice to un-restrict the account, so yet again I have been lied to by chase. This is completely unacceptable and I am sick and tired of being lied to. I also received a direct deposit put into that account and now Chase is holding my paycheck from me and will not let me access my paycheck. I have had enough of chase and this is unacceptable. No one should ever bank with chase they illegally hold your paycheck, and they will lie to you and hold onto your money with no reason and close your account with no notice. Oh and if they do not receive information that they " require '' which is not required by law, they will steal your money and not allow you access to money that you have earned on your paycheck. NEVER USE CHASE they will swindle you out of your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Nelnet parent plus loan XXXX/XXXX/XXXX statement : Original principal amount {$7800.00} interest rate 7.9 % total principal payments paid thru XXXX/XXXX/XXXX {$7400.00}. Total payoff amount thru XXXX/XXXX/XXXX {$1400.00}. My next payment due is late XX/XX/XXXX. 

I have called Nelnet several times to find out how this is even possible. I am told that interest is paid first. I know that and I am paying my interest and more than doubling my principal payments. How can I have to pay off more in principal than I borrowed? I can provide statements and payment history for review. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a Credit Score change notification via XXXX XXXX. A hard credit inquiry from Ally Bank affected my credit score on XX/XX/22. Then on the same day, I received an Ally Bank Alert email notifying me that my New Ally account is now open. I contacted Ally and informed them that I DID NOT open an account with them nor wish to have XXXX. They took a report, and I subsequently received an email from the Ally fraud department advising me to call them. I called and provided the requested information, and they advised me that this account would be closed without further information. I was directed to call XXXX, the Social Security XXXX, and the FTC, to log reports. There has been no explanation of how this occurred, Just a simple, " We will close the 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 explanation
Consumer complaint received 2022-10-16
Company: Experian Information Solutions Inc.
State: MD
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 DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRY AND VIEW MY CREDIT REPORT. I ALSO DID NOT GIVE XXXX MY PERMISSION TO FURNISH THIS INFORMATION ONTO MY CONSUMER REPORT. THIS IS A SERIOUS VIOLATION PURSUANT TO CREDIT REPORTING ACT SECTION 1681 ( B ) C WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS A BREACH OF MY PRIVACY RIGHTS.

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 2022-04-21
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: Account information incorrect

Complaint:
XXXX XXXX took my information from another company, my social security number, name, and address without my consent and without me signing an original contract with XXXX XXXX that is violation of 18 U.S. CODE CHAPTER 63 1344 Bank Fraud, 18 U.S. CODE CHAPTER 63 1342. 18 U.S. CODE CHAPTER 63 1346. 
I've send in multiple disputes to XXXX, Transunion, and XXXX. the only one that hasn't removed this item is Transunion. 
I've never signed anything with 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 2016-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
( 1 ) I filed a dispute on or about XXXX XXXX with TransUnion Credit Company re : XXXX XXXX XXXX auto loan ( # XXXX ). The account first became delinquent on or about XXXX XXXX and led to a repossession on XXXX and is supported by the original credit report they provided to me. I requested the removal of this item from my credit report as the account has now met the 7 year requirement to date, starting from the initial missed payment that led to the delinquency. Per their own info provided, indicated the account was 120 days past due up to XXXX, which confirms the account was first delinquent on or about XXXX of XXXX. Upon completion of their investigation they provided an updated report with the past due info removed which is not an act of good faith on their part, thus refusing to delete the item. They have also falsely claimed I made a last payment on XXXX/XXXX/XXXX. I made no such payment. I have requested that proof is provided that I did such, the request have not been honored to date. The burden of proof is with the creditor/bureaus to confirm and prove what they are reporting. In support, I was again informed by XXXX that " Information is generally removed seven years from the initial missed payment that led to to the delinquency, and this account has met this criteria. Please see attached pages from TransUnion credit report and docs from XXXX credit in support. Therefore, this item should be deleted from my credit profile immediately. 

( 2 ) TransUnion is not cooperating in the removal of tax lien that was originally filed on XXXX and was subsequently paid/released on XXXX. To date, it is now more than 7 years since originally filed, paid/released. Again, in support XXXX Credit removed this same item, stating that " Paid tax liens may remain for up to seven years from the filing date and unpaid for up to 10 years. It did not state the 7 year clock to remove starts at the release date. Therefore, in keeping with the rules of the FCRA, the item should be deleted from my credit profile. See supporting attached docs from XXXX Credit.

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 2022-10-16
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
as of XX/XX/XXXX, I DEMAND CHEX SYSTEM TO REMOVE THE NEGATIVE ACCOUNT IMMEDIATELY PER : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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 15 U.S. Code 1692k - Civil liability ( a ) AMOUNT OF DAMAGES Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure.

( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

( a ) AMOUNT OF DAMAGES Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of any actual damage sustained by such person as a result of such failure in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

15 U.S. Code 1681- Congressional findings and statement of purpose- ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

Please remove the negative account immediately for I will file a lien against your company, {$1000.00}. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX RTN/ACCT # XXXX ORIGINAL CHARGE OFF AMOUNT {$510.00} CLOSURE STATUS : UNPAID CLOSURE STATUS XX/XX/XXXX 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports- ( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

Form 3949A has been submitted to report the theft on this account as I have never had this account, Demand for validation with form 1099 OID is requested, due to the information reporting return submitted for the existence of this fraudulent account.

Please remove this account, it is not Frivolous, it is inaccurate, and need to be removed immediately. I am the consumer ; I have the right to say what is listed on my consumer credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: PNC Bank N.A.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/2020 Unable to transfer money between institutions in an attempt to fund a business account. Fraud protections are cumbersome to the point of making it difficult to conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX, XXXX, XXXX and Equifax, has violated my rights. 
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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX, XXXX, and Equifax are reporting personal information on my correct report. 
Here is a list of the incorrect addresses, please remove them : Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Names : XXXX XXXX The only address that should be listed is shown on this complaint. I also would like for you to correct the spelling of my name. There should not be any variations of my name because it is spelled one way. I have enclosed my ID as proof of the correct spelling. Again, here is a list of the incorrect name spellings : [ XXXX XXXX ] Please send me an updated credit report as soon as you have deleted the inaccuracies listed above. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a copy of my credit, there is an account that doesn't belong to me. There are also inquiries that do not belong to me. Please investigate this account and inquiries. Please delete this info from my credit profile. Send an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
There was a {$2000.00} charge on my credit card for " XXXX '', we had disputed the charge with Chase, and after 3 months of reviewing it they denied our dispute and said they had no other information available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-21
Company: EQUIFAX, 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:
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. XXXX : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX Account Number : XXXX XXXX XXXXXXXX XXXXXXXXE Account Number XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXXXXXX  Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX A Account Number : XXXX DPT ED/XXXX Account XXXX XXXX XXXX DPT EDXXXX Account Number : XXXX DPT ED/XXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT ED/XXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX, has violated my rights. 



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 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 explanation
Consumer complaint received 2016-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: MO
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
Chase failed to provide 45 day notice for increase in interest rate on card. I called them when I found out about the increase, from a third party credit monitoring source, and was told that they mailed a letter XX/XX/XXXX. This is not true as I received no letter from them in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
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:
After reviewing my credit reports I noticed an unknown creditor XXXX XXXX XXXX XXXX XXXX XXXXeporting a credit card account that I didn't open. I tried disputing this account online on XX/XX/22 and had unsatisfying results. I am now concerned about identity theft and fraudulent activity so I filled an ftc report with the federal trade commission.

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