BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-22
Company: ENCORE CAPITAL GROUP INC.
State: IL
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 XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX ( Original Creditor XXXX  XXXX XXXX  XXXX ) XXXX Date Opened : XX/XX/2020 Balance : {$170.00}.

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 2021-10-17
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/21 Bluebird AMEX prepaid card mishandled my data for card ending in XXXX. 
This is not a duplicate complaint as they refused to open and close a different card. 
Close account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I got unathorized pruchases on my personal account at bank of america, they ha failed to do proper research and give my money bank Those payments were made in arkansas and i live in california, the sum is about {$2900.00} dollars. This is my life savings. 

This issue has been around since late XX/XX/2021 Thanks in advance for your 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 monetary relief
Consumer complaint received 2023-01-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened a Chase Amazon card for large purchase at an 18 month interest free payment. When I opened my account it defaulted to Amazon. I took the card off and put the card I wanted my purchase on-but yet it kept processing payment on this card. Amazon refunded the unauthorized purchases back to the card. Chase used the refunds to go to the interest free balance, which pushed my monthly payments up to XXXX per month from my previous XXXX monthly charge and my interest free balance to XXXX for the interest saving balance. I called several times to have this corrected and was told it would be corrected. My phone call on XX/XX/19 resulted in Chase saying that they would take the credit from the promotional item to the balance. I called in XXXX, XX/XX/19 and XXXX. I called on XXXX to pay my bill only to find that the refund wasnt corrected to refund the purchases, it was left on the interest free balance item. I was mislead and did not authorize this card for the additional purchases. My refund should have gone to the purchases not the interest free balance item. This is a gimmick. I am a single, XXXX XXXX  mom and have excellent credit and opened this card to pay for a large item interest free. My phone call on XXXX ended with Chase hanging up on me saying they wrote me a letter that they can not apply the refund as I requested, as theses purchases were not authorized on this card. I was told on XX/XX/19 that this would be corrected and the refund would be correctly applied to my purchases that were unauthorized as I requested, yet this was never completed, and Chase is now refusing to do this request as previously promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The recent PSLF waiver prompted me to do a manual recount for myself. I realized 36 months were listed as in forbearance. The years are XXXX. 

To refresh my recollection, I searched my XXXX email because this was easy and fast. 

Since I archive email, I located all email correspondence from all the previous servicers, including the monthly statements and payment confirmations. 

From this research : In XXXX, XXXX was the servicer for the Direct Loan Consolidation. 

In XXXX, XXXX transferred service to XXXX. 

In XXXX, XXXX transferred service to XXXX. 

In XXXX, XXXX transferred service to FEDLOAN. 

In XXXX, I pursued forgiveness by completing ECF PSLF TEPSLF. 

TEPSLF and PSLF were both denied but I got updated counts for both. 

Most of my past payments were made on inelligible payment plans. 

I have worked for the same quailified employer since XXXX. 

The entire 36 months with XXXX, the payment history and repayment status is wrong in both FedLoan Records and studentaid.gov XXXX replied they do not do these loans, records were sent to nee servicer in XXXX so I need to get records from the new servicer. 

XXXX services said to contact XXXX. 

I have not heard back from XXXX or FEDLOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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: Their investigation did not fix an error on your report

Complaint:
This is my complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. These are the inaccurate accounts that I want them to correct : XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$550.00} ; XXXX XXXX XXXX Balance : {$1600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My name is XXXX XXXX XXXX. 

Few months ago when I was unemployed, I registered for EDD unemployment and got paid through bank of America prepaid card from EDD. 

But as of today I've got a job and I am not receiving any benefits anymore. 

I've tried to close my account with bank of America but it seems no one is helping. I've already contacted EDD to close my account and they did. 

I want bank of America to close my card account and prevent further usage as it seems someone is trying to use my information to certify for another EDD benefits. 

EDD reached out to me few weeks ago and asked me if I've applied for another benefits and I said no, and they said I should contact bank of America to block and freeze my card to make sure no one will use it to collect any further benefits on my name. 

So I am reaching out to bank of America using this complaint to shut down and close my EDD debit card account because I've now gotten a job and I do not intend to use it again. So I want to be closed with immediate effect. 

All I need is for bank of America to close my card account and not to open it anymore as I've been a victim of identity theft recently. 

Also Bank of America should tell anyone who contact them pretending to me to go through a thorough verification such as asking to the person to mail a letter to bank of America with a scanned ID card or a selfie holding ID with today 's date on it. 

I am making this complaint because I don't want any other person to use my information to receive benefits. 

Thank you The card number I'm complaining about is 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 2023-02-13
Company: Experian Information Solutions Inc.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-03-23
Company: ENCORE CAPITAL GROUP 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:
On XX/XX/2020 at XXXX XXXX  I sent written communication to Midland Funding LLC dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account number XXXXXXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. On XX/XX/2020 I received written communication from Midland Funding LLC dated XX/XX/2020 that did NOT meet the requirements of FCRA 623/FACTA 312. I  made a request for them to substantiate the information theyre reporting pursuant to the FCRA/FACTA, thereby causing Midland Funding LLC communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires Midland Funding LLC to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. XXXX XXXX XXXX provided none of the above. Midland Funding LLC  continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. Midland Funding LLC has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. The above illegalities were committed via USPS mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, my husband deposited 2 large checks that were a result of a lawsuit to our joint bank account. PRIOR TO DEPOSITING these 2 checks, we contacted Chase via phone to inquire whether these two checks -- that had multiple payees -- could be deposited into our account without ANY ISSUES. 

We were informed on THREE separate occasions that it WOULD NOT be an issue. The checks could be deposited and would be placed on hold until all funds were released. My husband even took a copy of the check to the bank/branch and spoke with XXXX XXXX XXXX who assured him that as long as we were the last persons to sign the check that it would not be an issue. 

Unfortunately, the information provided by THREE different people who work at Chase was INCORRECT. 

CHASE has NOW PLACED A HOLD on our account which include not only the amount of the checks but the money that we already had in our account. 

WE ARE UNABLE TO ACCESS ANY OF OUR FUNDS! 

In addition, Chase has also ROPED IN my children 's accounts THAT HAVE NOTHING TO DO WITH THIS SITUATION and have placed a hold on their accounts as well, simply because they're linked to an account that I hold THAT HAS NOTHING TO DO WITH THE ACCOUNT the checks were deposited into. 

Chase NEVER reached out to us to inform us that there was an issue with our account. We found out because we were unable to process a XXXX payment and could not pay our bills. 

We contacted Chase via phone only to be patched to the Fraud Department where we were informed by XXXX XXXX that if we failed to provide the requested information that they would close our account in 10 days. So instead of trying to fix the problem, SHE THREATENED to close our account all the while holding OUR MONEY HOSTAGE. 

We immediately went back to the branch and spoke with XXXX XXXX XXXX who attempted to get additional information but was basically given the same info we were given. He could not help us nor could he provide us access to our money. He informed us that he could escalate the issue -- and that's basically it. 

WE HAVE BEEN LEFT WITH NO MONEY and OUR KIDS MONIES HAVE BEEN RESTRICTED AS WELL. 

Chase FAILED to provide us with ACCURATE information robbing us of making an informed decision -- because had we known that our account would be restricted we would NOT have deposited the checks. 

The checks are from a legitimate lawsuit and the payees are family members who were all part of the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, 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 without any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than XXXX times. XXXX 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 XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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

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 2020-12-25
Company: Experian Information Solutions Inc.
State: KS
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/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2020-12-24
Company: U.S. BANCORP
State: DC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a Washington DC US Bank reliacard account in which it doesnt seem that the retained earnings from previous months are carrying over into the next month. I know that is {$11000.00} in the account based on income versus expenses but theres nothing left over like can I complain earnings. Even though Ive done the math on the competitions they are refusing to add back the code saving everything I need that work or should essentially be in the bank.

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