BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: JPMORGAN CHASE & CO.
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:
To Whom it may concern, I was the victim of identity theft and the Me-To-Me Scam. I had someone call me with the caller ID Chase Bank, they said they were a representative of the bank, and that someone was trying to make fraudulent charges, he gave me his name and badge #. They told me to send money to an gmail address that I thought was sending it to myself thru XXXX. I realized the next day this was not a bank Rep and I had been scammed to send {$500.00}.

I called the fraud department they said they couldnt do anything and directed me to XXXX, and said they couldnt do anything. Btw this was just 2 wks before XXXX. As I dug deeper I found out they had hacked into my XXXX account and set up a new account under my name, a bank account and I had to contact XXXX to please shut down the fraudulent account and my account because I was no longer receiving emails. They had also hacked into my yahoo account. Had to create a new account as I was getting XXXX XXXX/connected with Chase that they were trying to take more money. I went to the Branch they said they could do nothing but again tried to call the fraud department and they said they couldnt get the money back from the Bank that was set up because it was frozen. We tried XXXX again and thats what they told us. I found an article in the New York XXXX about this Scam and that the CEO of JP Morgan Chase made a statement that Chase would refund the money to the Chase Customers who were victims of the Me-To-Me Scam, however, the branch assistant manager escalated it to the claims department with the article and they called me and declined it again. I have had to contact all my creditors, change my emails, filed an identity theft on the government website, set up a new account and changed my direct deposits of my pay check. I am still battling this and I just feel like Chase made a false statement to the public and their customers who have been a victim of the ME-To-ME scam in the XXXX XXXX XXXXXXXX. I showed all kinds of proof of fraudulent email account, credit journey emails, even that the email is no longer registered with XXXX, and really just frustrated and upset I cant recover my {$500.00} which I thought Chase was protecting my money. I am considering withdrawing my money from the bank however this scam has hit every major bank. No one is listening or doing anything to help me to recover my {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am writing to file a formal complaint against Citizens Financial Bank regarding their lack of response and action in addressing a grave incident involving the unauthorized withdrawal of funds from my bank account via XXXX XXXX XXXX. An amount of {$11000.00} has been unlawfully transferred from my account without my consent, and the bank has shown no willingness to address this severe offense. 

On XX/XX/XXXX, I found the unauthorized activity on my bank account and immediately dialed XXXX to report the matter to the bank 's Customer Support Team representative XXXX. During the call, the representative requested relevant information and assured me that a response would be provided by email within 10 days. However, it has now been 17 days since my initial contact, and I have yet to receive any communication or email from the bank regarding the status of my case. 

In an attempt to seek clarification and progress on my case, I made another call to the bank on XX/XX/XXXX. To my astonishment, I was informed that there was no record of my case, and the representative abruptly disconnected the call without offering any assistance. It is deeply distressing to encounter such unresponsiveness and disregard for my case, especially considering the seriousness of the matter. 

As a concerned consumer, I believe it is imperative to bring this issue to your attention and request your intervention in ensuring that Citizens Financial Bank fulfills its responsibility to address this fraudulent activity promptly and appropriately. The unauthorized withdrawal of funds from my account has caused significant financial hardship, and the bank 's lack of response and action has further exacerbated the distress I am experiencing. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and hold Citizens Financial Bank accountable for its failure to address this issue promptly. I seek your assistance in ensuring that the bank provides a comprehensive resolution, including the recovery of the funds that were illegally taken from my account. 

I trust that the Consumer Financial Protection Bureau will take this complaint seriously and initiate appropriate measures to address this issue. I kindly request regular updates on the progress of the investigation and a prompt resolution to rectify the financial losses I have incurred. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: AZ
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 list of accounts below has violated my federally protected rights to privacy and confidentially under 15 usc 1681. 

XXXX, Equifax and XXXX have violated my rights to privacy and confidentially. 

15 usc 1681 section 604A states that I have the right to privacy.

15 usc 1681 section604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 usc 1681c ( a ) ( 5 ) States, no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 usc 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to submit my third CFPB complaint concerning the remaining fraudulent inquiries in my Experian and XXXX Credit Reports. While I commend XXXX for promptly removing all the fraudulent inquiries I specified, I am deeply dissatisfied with the lack of action taken by Experian and XXXX. Regarding Experian, I appreciate that two out of the six listed fraudulent inquiries were removed from my credit report. However, there are still four more inquiries that require immediate attention for complete removal. As for XXXX, not a single one of the listed fraudulent inquiries has been addressed, and to my dismay, I recently discovered a new fraudulent inquiry added to my report on XX/XX/XXXX. This ongoing issue has caused considerable distress and financial strain, as it continues to impact my creditworthiness. In accordance with the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to investigate and respond to consumer disputes within 30 days. Regrettably, it has now been several months since I initially raised these concerns, and I have yet to receive a satisfactory resolution. This delay is unacceptable, and I have suffered significant financial repercussions as a result. I kindly request that Experian and XXXX take immediate action to remove the following listed inquiries from my credit reports : EXPERIAN : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2023-04-24
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-03-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 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 explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, Equifax XXXX and 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose this capitol one credit card is open in fraud and needs to be immediately removed from my credit report Due to violating my consumers rights in a means to pursue legal judgement I never gave permission to report this Business activity on my Consumer credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Affirm 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:
Multiple loans only reported as late but not reporting on time payments or that they are paid off in full. The company updated information after my dispute but nothing I see has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have submitted several request for XXXX, Transunion and XXXX to investigate a few things that are reporting on my credit report that I believe are inaccurate. My request for them to investigate was on XXXX and then again on XXXX. They have failed to respond to any of my request. After my research online, I was under the impression that they are required to respond to any request to investigate from a consumer based on the FCRA rules. I have waited way past the 30 day rule and even sent a 2nd request asking about my first request and still no response. I pay a credit monitoring system every month so that I can view my credit report to see if they are at least updating or acknowledging my request and unfortunately every month I am disappointed to see that nothing has been updated or removed. They are showing last active dates updating but no responses as to how or what they did to verify or update the account. We are now going into XXXX and I am frustrated with this as my credit is suffering because of these inaccuracies reporting on my report. I am sending now my 3rd set of letters in hopes that they will finally respond and help me with a solution of my request. After further research, I found this site and am hoping to get a response and now a resolution since they have failed to respond to me.

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 2023-03-14
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
YOU BROKE THE LAW!!!! 

Pursuant to Title 15 U.S.C 1691 ( d ) ( 6 ) Adverse action means a denial or revocation of credit, a change in terms of a existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested.

Under Section ECOA 701 ( d ) ( 6 ) Adverse action means a denial or revocation of credit, a change in terms of a existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. 

YOU CITIBANK BROKE THE LAW When you terminated the credit agreement between XXXX XXXX and CITIBANK.

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: PNC Bank N.A.
State: MI
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 have made numerous phone calls and letter to PNC Bank and to the credit bureaus such as XXXX   and XXXX. PNC Bank has been reporting an non data information to these credit bureaus listed above for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX. In event of the information being erroneous and out-dated, I have been experiencing a amount of XXXX  and XXXX  due to my current status of a home loan. I was denied credit due to the non- data information on my credit report. On these dates above, supposedly should be representing is ( payments on time or OK status ). My credit is very important to me and has been working very diligently towards this situation. I am requesting that PNC Bank, XXXX, and XXXX please work together in correcting this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: TN
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:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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:
I made a claim against a fraudulent company to Bank of America. I used my debit card to pay for services from taxnetworkusa but then found out, right away, they are really moneysolver.org which has a massive amount of bad reviews. Also the person who called me from XXXXtaxnetwork ' lied to me by claiming he was in contact with the irs and they were coming after me... .scare tactics.

I made many attempts to contact taxnetworkusa ; 5 emails and several calls explaining this and asking for a refund... all within 24 hours.

My problem is Bank of America has no rational way to make a claim. There is literally no way to send them the information I need for my claim.

They claim that they only have fax for me to send to and I have no way to send these files using fax. That is last century 's technology. I tried online for half a day and failed.

Clearly this is how business is done today ; make it difficult as possible and they don't have to be serious about the claim. The claim will be denied for lack of facts. 
I called BofA many times and was told each time they only accept faxes. How is that possible today?

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 2023-01-20
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: Public record information inaccurate

Complaint:
Pursuant to 15 USC 1681 ( a ) ( 1 ) - the banking system is dependent upon my consumer reports being fair and accurate to me. TransUnion and XXXX continues to report a bankruptcy on my credit report when I have disputed and sent them proof several times from XXXX XXXX that they were unable to verify the accuracy of the bankruptcy and has removed it from my report. I just recently obtained documentation from the XXXX XXXX XXXX XXXXXXXX as well that sates they do not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. XXXX and TransUnion has both sent me letters stating that they reached out to the XXXX and the information came back verified which is a total lie considering their response. I don't understand why they continue to tell me that it has been verified as accurate. Pursuant to 15 USC 1681 ( a ) ( 2 ) - this careless mishap that these companies have caused has ruined my reputation, and has adversely affected my creditworthiness. I am being denied credit because of their grave errors which has caused me severe XXXX and anxiety.

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