BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX, I was called that a suspicious person tried to make a withdrawal from my savings account at a bank branch an hour earlier and they wanted to confirm whether it was me. I told them it was not. I asked them to freeze my account and when they went to do so, they realized that another bank location had allowed the person to withdraw {$3000.00} from my savings. Chase froze my account and I had to call claims and go in person to verify it was not me. Chase froze my savings account and opened a new savings account for me and transferred the rest of my savings there. I asked to file a claim and I was told I had to file a police report first. I filed a police report and then attempted to file a claim. They said I had to wait for the police report before going forward with my claim. Then XX/XX/XXXX, a second unauthorized withdrawal occurred in my new savings account of {$2500.00}. I called to dispute this and asked why there were no additional protections made in my account as my account information was already compromised and chase knew this. They told me they didn't have any additional protections for withdrawals at a bank teller. I decided to remove the rest of my money from chase and transferred my funds to a new bank entirely. Since then, Chase has only returned {$2500.00} ( the second withdrawal ). I have called several times to check the updates on the first claim and they continue to stall. They required additional I.D . for the claim of {$3000.00}. I had gone in person and given my passport to input into their system and I still have not received the {$3000.00}. Why they insisted to wait for the police report and require additional I.D . for the first claim and not the second one, I'm not sure. But this is ridiculous. Chase had not properly protected my money when they knew my account information was compromised and also hasn't returned all my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Advanced Resolution Services Inc.
State: IL
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:
IRS tax code identifies charge offs as gross income, triggering a 1099-C, and subsequently required to be reported on personal tax filing as such. I received a 1099-C for the below-mentioned debt. Therefore, I am disputing the accuracy of the following items on my credit report, as per the FCRA, these reports violate my consent and privacy rights, as I did not authorize my income to be reported in this manner. The accounts in question are as follows : 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 I request that you investigate these inaccuracies and promptly REMOVE these items from my credit report as they violate my rights under the FCRA. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I made and uninformed decision when I applied for this card. It wasnt clear to me ( Law 15 USC 1602 ) So the agreement is fraud and a violation Also They dont have permission to report on my consumer report with out my permission. ( Law 15 USC 1681b ) 1. XXXX XXXX ( XXXX ) XXXX. XXXX ( XXXX ) XXXX. XXXX XXXX  XXXX ) XXXX. XXXXXXXX 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 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 2022-11-28
Company: FIRST REPUBLIC BANK
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
this is complaint about first republic bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX My mother XXXX XXXX XXXX XXXX XXXX have account with this bank for more then 30 years. For many years we accepted this low interest environment but now when interest rate jump XXXX % the bank want to renew the cd without my knowledge and still pay me close to XXXX % .The bank representative got all the information to communicate with me include email and phone outside the country but it was convenient for the bank to send letters to the address that use here but not present there. 
is that make sense to continue offer almost XXXX percentage point when they renew cd but for the same cd they offer for someone new XXXX percentage

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 2022-11-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
On XX/XX/2022 I filed a complaint via the CFPB portable against Nissan Motor, I included my name and address along with the issue I was facing. On XX/XX/2022 I got a response which I will attach stating the inability to respond to my request due to the information provided. I am unsure how they could not find my account. I had requested a copy of my original contract and along with the complete payment history for the duration of the loan. 
Here is my Social Security # XXXX so they have no excuse in not finding my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
existing problem We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 

YOUR COMPLAINT My XXXX  XXXX Trans Union FICO score recently dropped from XXXX to XXXX on XX/XX/2022, and then it dropped again to XXXX on XX/XX/2022. I have an XXXX 100 % payment history, and I haven't made any large purchases on any of my credit cards. I recently made a change of address but that should not drop my score that much. I attached a screenshot of my XXXX  XXXX Trans Union FICO score to this complaint. 

The odd thing is that my XXXX TransUnion FICO score went up from XXXX to XXXX on XX/XX/2022. It stands to reason that my XXXX  XXXX Trans Union FICO score should also go up. My XXXX Trans Union FICO score went up, while my XXXX  XXXX Trans Union FICO score went down. This makes no sense. This drop in my FICO score on my XXXX  XXXX card is preventing me from obtaining the best possible interest rates on loans and balance transfers. 

I attached a screenshot of my XXXX  XXXX credit score showing the decrease to 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 2022-06-25
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, the following has violated my rights : XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
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:
In accordance with the Fair Credit Reporting Act, the following has violated my rights : XXXX XXXX  XXXX 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.

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 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-06-06
Company: Early Warning Services, LLC
State: AL
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:
EARLY WARNING SERVICES has NOT properly INVESTIGATED an inaccurate account reporting/ bearing my name and failed to CEASE AND DESIST from any further reporting activities Pursuant to Title 15 USC 1681b ( 2 ).

EARLY WARNING SERVICES has not complied of delivered ANY type of validation or ACCOUNT VERIFICATION WITHOUT PROPER DOCUMENTATION PURSUANT TO FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: SYNCHRONY FINANCIAL
State: CO
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:
XX/XX/2022 I learned my Synchrony XXXX XXXX account as sent to collections, although my statements show the account current. Synchrony sent me to collections after rejecting a proposal from a debt management company XXXX XXXX XXXX XXXX XXXX, and the payment sent in my XXXX XXXX. I asked about the status of the account, and a copy of my statement, and Synchrony told me a verbal cease and desist order was placed on my account with a telephone call XX/XX/2022. I was at work, in a team meeting, when the supposed phone call was made. There's some fraud or identity theft going on with my account and I reported the incident to the police. Synchrony has never investigated that phone call and it's hard to find out what is going on with my account. 

I have been requesting for three months with Synchrony Bank, Care Credit card, that a cease and desist notice be removed from my account. I faxed a letter XX/XX/2022. 
I have been calling in for three months to follow up on my XX/XX/2022 letter, requesting the cease and desist order be removed. 

I also need a letter stating the account is paid, closed and settled. They won't send me a copy of the letter due to the cease and desist order I never authorized. I need the settlement letter to update my 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 2022-06-25
Company: Experian Information Solutions Inc.
State: LA
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, with XXXX/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 an 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 2022-04-24
Company: Experian Information Solutions Inc.
State: AR
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 3 MAIN CREDIT REPORTING AGENCIES ARE STILL FALSIFYING FALSE INFORMATION ON MY CREDIT REPORT.

I HAVE SEVERAL ACCOUNTS THAT NEEDS TO BE REMOVE FROM THEIR DATA BASE FROM MY CONSUMER REPORTS.

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: Experian Information Solutions Inc.
State: TX
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:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I'm not sure why this matter is being unaddressed. In my last complaint I provided proof that XXXX, XXXX, and Transunion, were well beyond their allocated deadlines. I first filed a dispute claim in XX/XX/2022 to no resolve. I provided the email in which the companies told me that the investigation was complete and deemed the information valid. I don't understand why your response to me was " They're still Investigating '' as if they clearly had more time. The time spam from XXXX to XXXX is 12 months last time I checked, not 2. Can you please look further into this matter and provide a non-bias solution? If more documents are needed please let me know. If you're follow up response is that they're still investigating please provide a reason why the time frame to respond is being giving special priviledge in this matter.

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 2022-06-06
Company: EQUIFAX, INC.
State: RI
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:
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. 

In accordance with the Fair Credit Reporting act the follow companies/entities have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( NEVER LATE ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Paid as Agreed and never late delete all 30 and 60 day derogatory remarks or completely delete this item ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inquiry is scheduled to continue on record until XX/XX/XXXX. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: CREDIT ACCEPTANCE CORPORATION
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
They also violated the law because according to : 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. 

The credit bureaus never did a proper investigation according to the FCRA. Listed accounts : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or acquainted or who may have knowledge concerning any such items of information. 

They did not do this!! 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that? If the open date inaccurate, the date last activity is inaccurate, amount inaccurate, and date last reported inaccurate. This is a violation and grounds for immediate removal.

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 2022-07-28
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$220.00}

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