BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Other

Complaint:
I found out I have a Judgement on my record. After looking into it and verifying this was mine I contacted Chase and followed the steps they told me I needed to follow to remove the Judgement. I settled and paid the agreed amount. Faxed them the paperwork they asked for and they said it would take up to 3 months to process and have it removed. That was about 5 months ago. I have contacted them twice and they said they would mail me the paperwork. I verified my mailing address both times and have yet to receive anything from them. How should I proceed?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2021 I received a notification that my credit card with Chase was closed. I called customer service the same day and was informed that my account was closed due to Bank Policy. The supervisor refused to provide the details of closure and reiterated that our relationship has ended. On XX/XX/2021 I received a call from XXXX from Chase executive office who refused to answer any of my questions just kept repeating that they do not own any expatiation as to why account was closed and did not want to discuss it further. However, I do know through the information that I was given, that account was closed due to excessive disputes. What I do not know, how the bank calculated it and what excessive really meant if it was done in a good faith. I do have good history of paying my bills and was never late with y payments. The account was closed without any notification or review nor explanation what excessive disputes really mean.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XXXX/XXXX/16 I used Chase " Quick Pay '' to send {$3400.00} to a relative who is also banks with Chase. On XXXX/XXXX/16 Chase deducted second ( duplicate ) {$3400.00} which was never authorized. My relative to whom I send the money called me on XXXX/XXXX/16 to notify me that a second deposit had been made to her account. 
OnXXXX at XXXX I called Chase Private Client Banking in an attempt to rectify the situation. I was told they would contact my private banker and/or branch manager at the XXXX XXXX California ( XXXX XXXX ) to contact me. As of XXXX on XXXX/XXXX/16 no one has contacted me. 
I called the XXXX XXXX number a second time and was transferred to the branch phone line which went to an voice message saying to please call back another time. 
I called XXXX XXXX a third time and was told I need to speak to a debit resolution speciality ( or some title to that effect ). The wait time to speak to said person is in excess of 30-minutes. I am unable to wait on hold that long for them to rectify a debit that was made in error on the part of Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: IL
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:
This is a formal complaint against EQUIFAX, XXXX AND XXXX. These companies have repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, these bureaus have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: U.S. BANCORP
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My lease is through US Bank and my complaint pertains to money being withdrawn from my account in error ( electronically ) and not returned. I paid my normal lease monthly payment on XXXX XXXX, 2017 and received a message on my account that US Bank was now offering automatic debit ( they should have already had automatic debit by now but they are the most XXXX XXXX XXXX I have ever experienced ). I signed up for the automatic debit and received a second message stating that my automatic debit would not go into effect until XXXX XXXX and therefore I needed to continue with making my normal XXXX payment. I did this and on XXXX XXXX a payment of {$350.00} was withdrawn from my account. Three days later a SECOND payment was withdrawn on XXXX XXXX for another {$350.00}. When I contacted US Bank, I was informed by " XXXX '' that it would take 7-10 business days to process the return request and another 7-10 days to wait for the PAPER CHECK to arrive in the mail. She stated that the process would take so long that by the time I received my check, the next payment would be do and therefore I should just leave it. If you electronically deducted my money then why the XXXX are you not able to electronically return the money?! I was on day one of a vacation when this happened and needed that money to be in my account. My vacation was extremely stressful due to this discrepancy and has caused me problems with the rest of the bills that I owed this month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Credit Bureau, I recently obtained a copy of my credit report and discovered the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that only the permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act : 1. XXXX XXXX, Inquiry date : XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 3. XXXX XXXX, Inquiry date : XXXX XXXX, XXXX 4. XXXX XXXX, Inquiry date : XX/XX/XXXX 5.XXXX XXXX XXXX, Inquiry date : XX/XX/XXXX 6. XXXX XXXX XXXX, Inquiry date : XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX 8. XXXX XXXX XXXX XXXX, Inquiry date : XX/XX/XXXX 9. XXXX XXXX XXXX, Inquiry date XXXX XX/XX/XXXX 10. XXXX XXXX, Inquiry date : XX/XX/XXXX Please remove these inquiries 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 2021-12-28
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Hello, I sent in a check to Navient to pay off one of the my loans in full. I included a letter with the check and indicated on the check which loan the monies should be applied to. Navient did not apply the monies to the correct loan. The loan does not show it is paid in full. Instead they arbitrarily spread the monies through all ( XXXX ) loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm a victim of Fraud. I am a victim of ID theft. The dismissed Bankruptcies were fraudulently filed under my name, without my knowledge or consent. These items were incurred by company whom I had hired XX/XX/XXXX for help with modifying my home loan. I neither authorized to file a Bankruptcy on my behalf, nor was I made aware that that were doing so. My signatures were forged on the BK paperwork, I would only find out about this issue after this company had gone out of business XX/XX/XXXX. 

This case was referred to the attorney general 's office who suggested I file an ID theft report. Hence, a Police Report with XXXX PD and also a Federal Trade Commission ID theft report for the fraudulent dismissed bks and forwarded it to the credit bureaus. As required by law XXXX of the bureaus blocked the information from my credit report, whereas Transunion has persevered with reporting the fraudulent accounts on my credit report. I have called Transunion several times, as recently as today on XX/XX/XXXX, but to no avail, as I get transferred from one department to the other and am given no explanation as to why they are violating the FCRA by failing to block the fraudulent information. I am absolutely at my wits ends here, as it bad enough suffering the traumatic experience of being defrauded and now as a victim of fraud I 'm not being afforded my legal rights. 

Attached Please Find : The filed Police report and the filed FTC ID theft report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I requested my first credit report from TransUnion and received a report date issued XXXX/XXXX/2016. I noticed the report indicated a mortgage in the amount of {$96000.00} which I did n't know anything about. I called TransUnion to understand how this information was generated ; where did it come from? They were unable to tell me how or from what banking institution provided the information to TransUnion ; they kept asking me what bank it came from. I repeatedly asked and then spoke to a Supervisor who again could not tell me where the information came from, but TransUnion was happy to delete it from my credit report. They did n't do any investigation as to why or how this happened. I would like to understand their investigative procedure and why they are unable to tell me how this was reported incorrectly. I am currently in the process of separating assets with my spouse and need to be sure this liability is not outstanding. Thank you for any help. TransUnion did a poor job of ( not ) investigating and responding to my concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: MI
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:
The credit reporting agencies are still reporting the XXXX XXXX account ( # XXXX ) to my consumer report. According to the FCRA 15 usc 1692d, they are hendering my reputation. They are also in violation according to 15 usc 1681b ( 2 ). I am the original creditor and the natural person. I did not give them permission to furnish my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: NRA Group, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is a formal complaint against National Recovery Agency, a collection agency located at XXXX XXXX XXXX XXXX, PA XXXX. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. 
First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 
Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 
Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.

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 2016-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion previously removed my Bankruptcy filling report due to inconsistent records.. now they re-added the record with false data, stating it was a chapter XXXX filed in XX/XX/XXXX ... this is wrong and they should remove this, ... it was filed in XX/XX/XXXX got discharged in XX/XX/XXXX .. removed from my credit report and recently added for XX/XX/XXXX .. this is wrong violates every FTC rules on fair credit reporting act

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On several accounts they were listed but were not correct from the original creditors who filed inaccurate and duplicate information. Sometimes up to XXXX different times. Penal codes were not followed by the credit reporting agencies as well as the federal laws. These items need to be taken off per CA law of a 3 yr statue. Penal code 1748.10 and Federal Law FCRA 62 ( a ) ( 5 ) ca ( iii ). Some of the items were not mine but the creditor insisted they were mine. Gave an address that was not mine as well. I have lived in the same house for 22 yrs.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Chase accounts had fraudulent activity transacted through them. These issues concerned Chase Pay, XXXX, and XXXX along with other non-recognized charges. Chase froze the account without informing me. I had to call into multiple CSR 's to find out what was happening. I changed debit and credit card numbers per Chase 's recommendation. I identified the fraudulent activity and reported it to Chase. Chase banks response was to state that they would no longer do business with me, restricted my account without informing me, and refused to allow me to withdraw or transfer funds. I spent a week going back and forth with their branches and customer service people who fed me inaccurate information : One day they said they would instruct the branch banker to override the restriction so I could withdraw my funds. Then said that they had not done that and that they wouldn't. This back and forth went on all week. To make this more egregious they would arbitrarily accept or not accept my identification. Their response to this was to state " Well, you just keep trying different Chase branches. '' This has been total and complete exercise in discrimination. 

Chase also failed to address the fraud on my Credit card which was part of the same situation. I provided Chase with the items and offered to send them the communications from XXXX and XXXX which corroborated the fraud. Chase never contacted me about these items and simply recharged the replacement card for the items. 

I have never experienced a bank that is so disrespectful to its clients, incompetent and simply discriminatory in it's practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Campus Student Funding, LLC
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I would like to know why Campus Student Funding , LLC is still trying to collect on the loans from Corinthian Colleges despite judicial rulings that such loans violated consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently pulled my credit report from Transunion and noticed the following accounts were listed on my reports as a collection/chargeoff. I immediately disputed this information with Transunion and the results of the investigation came back as " verified ''. I did not have an account with any of these companies during this time period. All of these companies incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. With XXXX continuing reporting this account as negative on my credit report it makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless these debts are immediately removed from my 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 2021-12-28
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation