BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I received a check from the city of XXXX ( XXXX XXXX program ) as I tried to cash my check I was told that they couldnt cash it unless I was a customer of chase. At that time I opened a checking account with chase so that I could deposit the check. After depositing the check I tried to login to the my online account and got a error message stating suspicious activity and giving a number to call.. I called the number and was placed on hold for two hours inwhich the bank had closed. On XX/XX/22 I called and was place in line for a call back which took 1hr and was told I needed to contact the fraud department and was given the exact same number I had called to receive a call back. This service unacceptable! I need answers on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a XXXX hard inquiry, I have had this service for more then 2 years, and the service remain on and in good standing up to now. The inquiry has been placed XX/XX/XXXX. How could they re-credit check me if I had and already have service with them. I am cancelling my service with them as of XX/XX/XXXX. Also, I might add, there are XXXX account for XXXX, I have not ever knew this have gone to collections for those dates listed. I have alway remain in good standings with XXXX not ever understanding why they could of ever hit my account at those dates on my XXXX report. On my XXXX have have dozen 's of soft inquires 1 same company hit 's me 8 times almost like every month. I don't know who or why they are doing this. And another different multiple hits in the same year, and almost consecutive months as well. I don't know who this company is as well and don't understand why it keeps soft inquiring me. Also on the XXXX, they are very, very old account 's still on my report, such as Social Security, couldn't understand why and how this account ever got to my account, that account was paid immediately. Please look over and reflect. Thank you so much for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: MD
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX : XXXX XXXX Balance : {$0.00} Equifax XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} TransUnion : XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2018-06-01
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My Discovery Credit Card opened XX/XX/2017, My limit was {$3000.00}, currently it is {$2000.00}! Discovery Credit Card decreases my limit whenever it gets to 200-400 available credit!!! Yes! balance was high!! Due to moving into my New three story Town House in XX/XX/2017, my limit was close to max quickly!! I knew my Credit Utilization would increase and my Credit Score would decrease due to purchasing I needed to make with my new home. I gave myself 1 1/2 years to pay everything off! Spoke to rep and they said to make sure payments were made and to set up auto pay ( did that ) and I should be fine!! Payments are way over minimum!! Every time my Limit is decreased, my Credit Score goes down. Which affects my Credit Worthiness!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone used Bank of Americas virtual teller function on their ATMs to fraudulent withdrawal {$1200.00} from my checking account on XX/XX/2019. I reported this to BoA on XX/XX/2019 and they opened an investigation. I was told that no PIN number or ATM card was used but only a photo ID. I additionally filed a police report and reported this to BoA. It should also be noted that my daily ATM withdrawal limit is set at {$710.00} per day, {$480.00} less than the amount that was successfully withdrawn. BoA gave me a temporary credit for the full amount to my account on XX/XX/2019. I subsequently received a letter from them on XX/XX/2019 stating they had determined that this was an authorized transaction and the credit I had received was removed from my account on XX/XX/2019. I spoke with a representative from BoA on XX/XX/2019 and was told that the determination was made because the person on the video matched the photo on the ID. They subsequently stated they would reopen the investigation as the notes did not indicate the fact that I had filed a police report despite me making a specific phone call to report this to them on XX/XX/2019. I have since sent BoA a certified letter with a copy of my drivers license requesting my money be refunded but have not received anything from them. I was told that since the investigation was closed and then reopened that there would be no definitive timeline for resolving this issue.

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 2018-06-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Um hi my name is XXXX XXXX I was was wondering if I can dispute the negative items on my credit report like bank fees and cell phone bills.

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I forwarded a letter to the XXXX and Transunion dated XX/XX/2022 to erase this suspicious information. I think you have not validated this account in agreement 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 # XXXX ; XXXX, and I'm including it again. XXXX XXXX XXXX : {$9100.00}

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 2019-11-02
Company: JPMORGAN CHASE & CO.
State: OH
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 rewards from credit card

Complaint:
On XX/XX/XXXX I contacted Chase and closed our Sapphire Preferred credit card in order to go back to using our XXXX Reward account. Before closing the account I asked the representative if we would lose our reward and she explained that the points would not be lost. On XX/XX/XXXX I contacted Chase to redeem our Sapphire rewards and they informed me that the points were lost. I explained that I was not informed at the time of closing and they should listen to the recorded call on XX/XX/XXXX. They said they would refer to the marketing department and respond within 7-10 days. I received a letter from Cardmember Service which states " according to the terms and conditions of the rewards program agreement, customers have 30 days from the date of the account closure to redeem rewards. '' I've read the agreement and it states " your points don't expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy or other reasons described in the terms of the Rewards Program. '' I contacted Chase on XX/XX/XXXX and spoke to XXXX and explained the situation again and she stated the same explanation that was given in the letter. I asked to speak to the marketing manager who would be responsible for the response however they have no customer contact. In summary : I was misinformed about losing XXXX points ( {$210.00} ) on XX/XX/XXXX when I closed the account. If I had known we were to lose the points we would have asked for the points to be redeemed at that point in time. Please assist us with this issue and advise us of the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been victim of three thefts of my identity, with XX/XX/2018 being the most recent when someone opened a XXXX XXXX credit card in my name and ordered merchandise which I was charged. 

I have asked all three bureaus to add a fraud alert to my credit reports but even with the fraud alerts the credit bureaus DO NOT VERIFY nor call me when attempts are made to open credit in my name. 

What good are these private credit bureaus for profit if they do not even protect consumers. Maybe its time to federalize these industries. 

I want the bureaus to add fraud alerts to my file and ENFORCE THEM WHEN CREDIT IS APPLIED FOR!!! 

RIGHT NOW THE CREDIT BUREAUS ONLY QUESTION ME ABOUT WHO I AM AND NEVER THIRD PARTIES WHO CALL!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I was given a car loan from Santander, They gave me a 20 % interest rate. You usually have to show proof of income and theyd call your place of employment. They never contacted an employer, nor did they ever verify my income. 
They wanted {$300.00} down and I gave it to them, and they gave me the keys. I tried to be responsible and tried to rebuild my credit, but that wasnt the case. I couldnt make ends meet half the time. Payments were {$420.00} a month and, as a single mom, it was often hard to make the payments. I reached out to them and I couldnt get lower payments. I stopped paying in XX/XX/2019. The car was repossessed in XX/XX/2019. I was left in distressed financial ruins and ruined credit. 

I would like this account removed from my credit report, because I was mislead and given this car loan without the proper analysis to determine whether or not I could actually make the payments. I feel as if I was preyed on by Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered to be unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling my request should result to the immediate removal 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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered to be unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling my request should result to the immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2017-09-02
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted the company on many occasions and I even sent in a police report that was made stating that I was a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: Experian Information Solutions Inc.
State: MD
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:
I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX XXXX XXXX. This account was opened on XX/XX/XXXX - and currently has a balance of {$550.00}. In early XX/XX/XXXX, I disputed this account via XXXX XXXX and the findings came back unfavorable. I called XXXX XXXX XXXX on XX/XX/XXXX and explained that I have a debit card with XXXX XXXX XXXX, but no credit card. I was given the run around and transferred to numerous agents with no resolve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX XXXX XXXX. This account was opened on XX/XX/XXXX - and currently has a balance of {$550.00}. In XX/XX/XXXX, I disputed this account via XXXX XXXX and the findings came back unfavorable. I called XXXX XXXX XXXXXXXX on XX/XX/XXXX and explained that I have a debit card with XXXX XXXX XXXXXXXX, but no credit card. I was given the run around and transferred to numerous agents with no resolve.

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 2020-10-07
Company: CURO Intermediate Holdings
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX XXXX, I am writing because I have been a victim of Identity Theft. I have attached letters to suppose my case. The IRS and Social Security both have cleared my name with IRS Affidvat and investigation found out someone was using my info as XXXX   veteran. I am writing to have Ad Astra Recovery Services , Inc, Who said I had taken out a payday loan with Speedy Cash they have place this on my credit report with XXXX. I have attached a Identity Theft  Victim 's Complaint and Affidavit with FTC and have a Victim 's FTC complaint number which is XXXX. 

I also attached my letter from the Veteran Admin that I am XXXX and XXXX  XXXX unemployable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX Late Dates : XXXX, XXXX XXXX Late Dates : 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 non-monetary relief
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: NY
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:
The unverified account indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX Late Date 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 2020-08-19
Company: ERC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX  Credit Cards XX/XX/XXXX TransUnion XXXX XXXX  XXXX  XXXX  XX/XX/XXXX TransUnion XXXX Personal Loan Companies XX/XX/XXXX TransUnion XXXX  XXXX Mortgage Companies XXXX Credit Union XX/XX/XXXX TransUnion XXXX XXXX Credit Bureaus/Mortgage Processing XX/XX/XXXX TransUnion Hello XXXX I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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