BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am filing this report because I was at the XXXX dealership today XX/XX/2020 and when they ran my credit to see if I qualified for the car loan I wanted, I was told that I did not get approved because there are two accounts in negative standing as well as several inquiries. I looked through my credit report and those two accounts as well as the inquires do not belong to me and I did not allow anyone to open them in my name. The accounts are from XXXX XXXX and XXXX. I do not have any written/verbal contracts with those companies nor have I ever opened an account with those companies. I did not benefit anything from those accounts and inquiries that were made in my name without my permission such as money, goods, services or any other benefit nor have I ever made any purchases or payments towards any of those accounts. I have already filed a police report as well as a complaint with the consumer financial protection bureau regarding these unauthorized accounts and inquiries.

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 2016-05-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
Applied for financing at Toyota for a lease buyout on existing lease for a Toyota Camry or new lease. My 3 year lease is ending in XXXX 2016. I am currently XXXX miles over mileage allowance. I have paid monthly on my lease for 2 1/2 years although some were just past grace period. Toyota XXXX the amount of my lease due to location of vehicle and ended up refunding me over payments, however even though I have been reliable with payments, they are denying me a buyout plan, due to other delinquencies. My rental property was severely damaged in hurricane sandy and I did fall behind with a few payments for creditors that did not offer me payment plans, however I am turning the corner financially and most creditors are on time. Prior to that storm I had XXXX years of solid credit history. I was denied in a letter dtd XXXX/XXXX/2016 application submitted by XXXX application XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: First Technology Federal Credit Union
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Since XXXX, XXXX I have tried to received my bank statements unsuccessfully! 

For thirteen plus months, I would call to have a representative assist me in there attempt of resolving the problem! 

Each representative believed the problem was addressed and solved! The cause/fix only resulted in failure after failure! 

I have either used the phone or virtual appointments to resolve this huge unacceptable situation that the bank has no interest in resolving for a member who has been since XXXX! I have requested a supervisor or manager to return my call which they Never have! 

I don't know what else I can do! I am in need of your assistance to resolve a issue why a Institute will not allow a member to have access to my financial accounts please! 

I would greatly appreciate your assistance in helping the credit union to take insterest in allowing access to All my banking needs by providing my accounting records. 

Thank You I have money directly deposited and have access to my banking needs through ATM only! No in person banking in my area!

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 2022-10-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Chase Bank has over the course of the last few years had me to not only fax information into their center and to set up the automatic deduction monthly on their Chase website, but has failed to to set up the auto deductions at all. It has taken me over 56 attempts to fix this issue. Each time I have called Chase Banks Customer Service has been unprofessional and rude. I have requested numerous times to have a Manager outside the customer service call center contact me in regards to my account to discuss the neglect of Chase Bank Employee 's to actually do their job over the course of the last 1.5 years. When I called on or about XX/XX/XXXX / XXXX 2017 as I was online I discussed with the customer service representative and verified that the minimal amount for payment is checked for my XXXX 2017 payment and was told, YES I WAS GOOD! Then on XXXX XXXX 2017, Chase bank attempted to process the entire amount due on my credit card for an estimated amount of {$4600.00} which of course came back as an NSF due to them changing or lying to me about them seeing the minimal amount payment to process. Every time I log onto Chase Bank I am having to change my password, and if you are late on a payment they lock you out of your account and wo n't process unless you call them directly, or they harass the customer and call numerous times to collect all the money they are owed. No Manager has ever called back during this whole time to discuss these issues with me and depending on the manager that is in the call center a customer will get either a response that the manager will call within 24 hours / 24 to 48 hours / or 24 to 72 hours of the manager which choses to not call because it is not worth their time and energy, but I have had to spend countless hours on the phone with this Chase Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery has refused to delete a judgement for an account that does not belong to me. I have written to them and the original creditor, and proven that the account was not opened by me, but they have cntinued to report this to the credit bureaus and this has caused me great harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: CO
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 RIDICULOUS!! HOW MANY CONPLAINTS DO I HAVE TO FILE!!? MY BANKRUPTCY WAS FILED XX/XX/XXXX WHICH MEANS YOU'VE EXCEEDED THE 7 YEARS TO REPORT. I WANT THE FRAUDULENT AND UNAUTHORIZED INQUIRIES REMOVED IMMEDIATELY. IVE BEEN DISPUTING SEVERAL OF THEM SINCE 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 2022-10-07
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-08-30
Company: EQUIFAX, INC.
State: AL
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 cXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX, has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have told this company several times to stop contacting me. They are continuously calling me about a deb that is over 12 years old. They insist they can still keep calling me. The even had the nerve to harass me on XX/XX/XXXX. I told them the first time to stop harassing me and they told me it is not harassment. I will not continue to be harassed nor bullied by this company. My cell phone provider even considers them scammers and it automatically blocks the call and sends it to voice mail. I told them the debt is too old and to stop calling about it. I also told them I would be reporting them to The FTC and the representative did not seem to care I would be doing it and also stated that they can and will still pursue this ancient debt. I am a XXXX woman and I have a lot of problems. I do not need to be upset constantly by these people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: JPMORGAN CHASE & CO.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On or about XX/XX/22 I completed all the necessary paperwork I was asked to complete by a Chase Branch associate named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Several days later I was told they needed more than just a mailing address for which I provided on my next visit. Several more days have passed and the bank still said they need a residential address so I returned to the bank a XXXX and XXXX time to give them this information that was uploaded at the Branch. Up to Several more days went by and I asked if processing was completed to make my new account UNrestricted. Again they said there is a problem with the residential address and I brought additional information bank requested which was a copy of the residential lease and also confirmation page with the property managers contact information that clearly shows multiple bona fide signatures. The branch manager XXXX assisted me for an hour while he contacted Chase Bank representatives to fix this ongoing issue. However, the Chase bank representative XXXX was speaking to refused to contact the " compliance department '' because she said there is no contact information for them which seems really odd that a bank does not have ability to communicate with other departments. Regardless, a bona fide lease with multiple signatures and initials by property manager an myself were throughout the lease. The Branch Manager XXXX also explained to the internal chase bank agent ( I think they call it the XXXX department ) that the posted document requirements for opening a simple checking account was met even though the XXXX agent had conflicting information. Chase bank tied up my {$1500.00} deposit for almost a month preventing me from having access to the funds. I am told now today that the " Compliance Department '' said there are missing signatures on the lease which is NOT true. Now the bank is refusing to open my account and refusing to take it off " Unrestricted " status for reasons unbeknownst to me other than it must be a prejudice or discriminatory practice because I gave them everything they asked for and more but they are playing games with their non-specific responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: R & R Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 2018 For a medical debt for XXXX XXXX XXXXXXXX for the amount of {$1000.00} XXXX XXXX XXXX XXXX XXXX makes calls to my husband several times a week with threats of jail time and harassment in general. My husband tried to make payment arrangements with this creditor but the same man who continued to call him said no we need it all now. 
We received a letter from an attorney saying we have not tried to pay or make arrangements to pay the debt and we have. We do not want R and R to contact us by phone any longer.

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 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/ 2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2016-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had a case opened with Transunion here is the case number : XXXX which was resolved. I received a copy of my credit report and I verified that the XXXX account balance were updated to XXXX. I just pulled my credit report and the balance reflected right now is not XXXX, it has gone back to the old balance again. This is the original complaint " I had XXXX credit card accounts with XXXX XXXX for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported both accounts on my personal income taxes for XXXX and XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, XXXX XXXX has been given the tax write off but they are still reporting a full balance for both account on my credit report. It should be reported a XXXX balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a XXXX balance to the credit bureaus. This would be double dipping for XXXX bank, getting the tax write off and then still collecting the cancelled amount on both accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment. '' 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 2022-08-17
Company: NAVY FEDERAL CREDIT UNION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Im writing to Dispute a Billing Error in the full statement balance of {$14000.00} Reasons as follows : There is no negative amount on this statement. As per 15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 



PLEASE NOTE : LETTER HAVE BEEN SENT TO DISPUTE CENTER

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
As of Tuesday, XXXX XXXX, 2017, EXPERIAN is still knowingly and illegally reporting a debt of {$430.00} to XXXX for XXXX. 

REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX. 

I maintain that during the selling, purchasing and/or transferring of my account ( s ), XXXX, knowingly violates both the Fair Debt Collection Practices Act and The Fair Credit Reporting, by constantly and consistently reporting negative, unfair, inaccurate, unreliable, incomplete and missing information to the XXXX major credit reporting agencies/bureaus ( Experian, XXXX and XXXX ) by purposefully misrepresenting a debt that I do NOT owe in its reporting as debts of XXXX ( {$430.00} ) that is : ( 1 ) paid/settled ( 2 ) old, obsolete and out-of-date ( 3 ) over the Statue of Limitations ( 4 ) time-barred ( 5 ) used to intimidate ( 6 ) purposely omitted date ( s ), time, purchases and amounts.

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 2016-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am the author and owner of all communications withing this complaint. I do not agree to allow this complaint to be managed outside of the portal. 

My Credit report currently has " XXXX XXXX '' reporting inaccurately, and in an incorrect manner. 

I dispute the validity of this account/Tradeline. 

1. The " Type of Account '' says NA, and should be " Revolving/Option '' 2. There is no Payment History in this account - and there should be as this account was opened for over 3 years 3. There is no Balance History in this account - and there should be as this account was opened for over 3 years 4. Because this account has no Payment History, please verify its Status/Major Delinquency date 5. Because this account has no Balance History, please verify its Status/Major Delinquency date 6. This account has no Activity Designator, and should as this account is Closed Please Validate this Tradeline, and resolve the errors - or Delete this account. 

Please provide a printed report, when resolved.

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