BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX, after several offers to open a checking account and taking into account I wanted to ask for a debit card for my two daughters, I decided to open an account online. 

I followed online steps, replying all questions the process asked me, including my immigration status, so I responded that I am a visa holder who have been working in US for the last four years. Everything was ok, and once I had my account, I opened two more for my daughters, two Chase First account, associated to mine, the main one. Once the account was opened, I made a {$2000.00} money transfer from other account and configured a Direct Deposit to get the checking account offer, {$220.00} premium. 

Next week, on Tuesday XX/XX/XXXX, they locked my online access and gave me a telephone number to solve the issue. After 30/40 minutes at the phone they suggested me to go to a branch to open the account in person. 

So, I did it. On Wednesday XXXX, I was at the branch trying to solve the issue, and after more than 2 hours, my banker was able to open my account after revision of all the needed documentation they asked me. My banker, XXXX, transfer my {$2000.00} to the new account and told me I was able to open my daughters accounts online. I pointed out she to wait some days to close the account because it had a Direct Deposit configured and I wasn't able to change the payroll payment with this short notice. Of course, they didn't listen to me, and they close the 3 accounts, due to that, I didn't receive my payroll. 

Perfect, no problem, again, I opened two Chase First accounts for my two daughters and transfer them some money from the principal account. 

On Wednesday XX/XX/XXXX, I realized my online access was locked again. Same, several telephone calls trying to understand what the problem was, jumping from one operator to another... 

On Thursday XX/XX/XXXX, I go back to the branch but I wasn't able to talk to my banker, and I was helped by another employee. After several calls with other departments, he told me that Chase doesn't want to work with me, giving me no reason and worst of all, he didn't let me withdraw my money, {$2000.00}. He told me, Chase would send me a check which I don't get yet. 

The way Chase is treating me is completely unacceptable, I would like to receive a reason why they denied my account application, an apologize for all the inconveniences this situation is creating me and, off course, my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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:
My name is 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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} XXXX XXXX  XXXX {$75.00} XXXX XXXX  XXXX {$670.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contact the credit bureau to have them remove these inquiries off my credit report and I got a response back stated these items are not removed and I'm request this again to have it removed immediately! None of these inquires are mines. I have not never contact these companies nor gave these companies my information to have them check my credit profile. 

Please have these remove immediately 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 XXXXXX/XX/XXXX, I'm XXXX to have this remove or Ill have to procced with legal actions.

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX and XXXX XXXX claim I took an ambulance ride in XXXX. I have tried to request records multiple times and proof that it was me and have never had a response from either company. I have left several voicemails, disputed it multiple times with Transunion, most recently in XX/XX/XXXX and XX/XX/XXXX, specifically demanding that they provide documentation that it was me, such as a signed statement, a copy of my ID, or any physical proof that it was me that took the ambulance, while providing the attached FTC ID theft report. I had a similar bill from XXXX XXXX from the same night, assuming that the ambulance was dropped there, however, I can not get any records from XXXX ambulance or XXXX XXXXXXXX XXXX but they keep " verifying debt is accurate '' in my disputes to Transunion and will not provide any actual proof or documentation of the incident as demanded. The debt from XXXX XXXX was dismissed and removed because they did not have any copy of ID or valid proof that I received the treatment, however despite XXXX XXXXXXXX XXXX not providing the demanded information in the attached most recent letter, Transunion continues to allow it to be falsely reported despite multiple disputes in regards to ID theft. 

XXXX XXXXXXXX XXXX has never contacted me, has no authorization to report this to credit bureaus, has failed to respond to multiple inquiries and messages left for them for follow up, has not provided accurate proof in multiple disputes covering multiple years. Both them and Transunion should be penalized for there absolute disregard to the law and Fair Credit Reporting Act Section 609 ( e ) relating to Identity Theft. I have provided my FTC filing for Identity Theft Report and they have still failed to properly furnish information required by law or respond appropriately by the laws and rights given to me and Transunion has failed to remove it in accordance with the law and lack of verifiable information regarding the transaction. This must be removed from my credit report immediately.

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 2023-03-28
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:
TODAYS DATE:XXXX  XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you.

XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL 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 2021-03-10
Company: CURO Intermediate Holdings
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
ad Astra a debt collector for speedy cash tried taking money out of my bank account with out my consent or a courts consent for funds in {$1300.00} and cost my a {$29.00} charge for insufficient funds with XXXX. speedy cash refused payment after one or two missed payments and would not allow a payment plan then sent the debt to ad Astra to which I have nor will have any agreement or arrangement with after this. 

Nonsufficient Funds Alert : A transaction resulted in nonsufficient funds to the account below : Date : XX/XX/21 Account ending in : XXXX Transaction amount : {$1300.00} Details : CHECK # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-02-09
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
On XX/XX/2023 at XXXX XXXX  and XXXX XXXX a friend sent me {$310.00} and {$85.00} via cash app. The {$85.00} transaction is showing as " pending '' and the {$310.00} payment is not appearing on my end at all. Cash App support says " We're aware of a connection issue that is affecting multiple features of the app, including logins, sign ups, and person to person payments. Please do not retry your payments while we work on a fix. For updates, please visit status.cash.app. '' There is no timeline for when the problem will be resolved. When I asked for further support I received the message " I'll get you to someone who can help. This may take a few hours, but you don't have to wait. We'll notify you when they reply. '' Cash App was aware of the issue, but made no attempt to notify anyone of the issue, instead I had to navigate through the support menu to see that anything was awry. I feel Cash App should have a duty to notify people that money being sent may not be received as normal, and could have stated so upon opening the app, when attempting to send money, or through a push notification. I had to select an option to be notified when the issue was fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: ZWICKER & ASSOCIATES
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt of {$1800.00} from XXXX XXXX was transferred to a debt collection law firm by the name of ZWICKER and ASSOCIATES in XX/XX/XXXX. I have called multiple times to XXXX  who has always transferred me to the law firm for discussion concerning the debt since the law firm Zwicker and Associates now handles the debt.

Zwicker and Associates the law firm handling the debt have refused to discuss the debt with me. They keep saying " The account is on hold and they can not discuss the details of my debt at the moment. '' This has been going on since XX/XX/XXXX and till now they refuse to discuss the debt with me. I have asked for a letter of debt validation from them but they keep forwarding it to XXXX to do their job for them. This has messed up my credit further and has prevented me from receiving credit for any amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent several certified letters to TransUnion Credit Reporting company asking for their verification process of Bankruptcies. I provided Transunion with a letter from the US Court Clerk informing me that they do not sell records. I have also placed a freeze on my XXXX/XXXX  account. I have received a letter from XXXX/XXXX  informing me that they removed my information as well. TransUnion refuses to delete this unverifiable information. My next step will be to take legal action. 

Chapter XXXX - XX/XX/XXXX Case # XXXX Chapter XXXX - XX/XX/XXXX Case # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Northern Trust Company, The
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: Account status incorrect

Complaint:
Good afternoon. This is XXXX XXXX and I filled out some bank information on one of my mortgages regarding the Covid 19 and they papers were received and I was told everything was sufficient. I explained to them that my job is shut down now and I can not pay this mortgage. They said ok. 
Now they put the 30 days late on my credit today, even though I filled I the paperwork in XXXX ... .. Can this please be disputed and taken off? Can you help me with this? Its Northern Trust 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
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 consumer rights to privacy and confidentiality under 15 USC 1681.

Cover Page of Credit Report shows 5 accounts ever late ; no late payments reported on the Credit Report. 

Accounts : XXXX - {$1300.00} ( XXXX XXXX Reported Wrong Amount {$500.00} Deposit Missing - Lease Agreement, Email & Itemized Receipt Attached ) XXXX Funding - {$1000.00} ( Reports To Only TransUnion - Original Collection Amount Shows Inaccurately & Inconsistent ) XXXX XXXX - {$2100.00} ( Reports To XXXX, XXXX - Original Collection Amount Shows Inaccurately & Inconsistent ) XXXX - {$3500.00} ( Reports To XXXX, TransUnion, XXXX - Original Collection Amount Shows Inaccurately & Inconsistent ) 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.

Thank You : First of all thank you for your help, I am getting closer to my goal of owning a home and have a continued commitment of repaying my debt and making payments to creditors on time. I was able to accomplish a lot with working on repairing my credit based on my rights but we have more work to do. 

Success Story : XXXX XXXX XXXX XXXXXXXX ( deleted ), Department of EducationXXXX XXXX late payments removed ), XXXX  XXXX ( paid off/deleted ) Goals : I will continue to increase my credit score, make on time payments to creditors, repay my debt, and purchase a home. Please remove " 4 accounts '' due to inaccuracies and inconsistency in accounts reporting between XXXX, Transunion, 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 2020-08-05
Company: PREFERRED CREDIT INC
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called Preferred Credit on XX/XX/XXXX. Spoke with the rep who answered the phone. Asked about the debt and how to take care of it. She told me that the debt was charged off in XXXX as a loss. And at this time I was not obligated to pay off the debt. She couldn't give me written proof that I was obligated to pay the debt off. And that I could pay it in full if I wanted to but not obligated. I asked to settle and have it removed and she told me she couldn't do that as if it wasn't paid in full they couldn't take it off my credit report. And I asked her if I wasn't obligated to pay the debt, but offering to settling it with a agreement of less than what was owed, and they still wouldn't take it off my credit report doesn't make sense. I was trying to settle a debt that the company told me I wasn't obligated to even pay, and all I asked was to remove it from my credit report if we came to an agreement for a fair settlement price. They still wouldn't accept that. And I asked again if I wasn't obligated to pay then they need to remove it from my credit report and they said they couldn't. The company isn't even reporting the correct information on how much the debt is for. It says XXXX but it is actually around XXXX. I am asking that you investigate this information. And if it's not correct, that is to be taken of my credit report. Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXXXXXX have compromised my data which is my bank account my XXXX  maiden name and my social security with a compromised email account that have pulled me a debt spiral of identity theft spree since two and half years i was successfully able to get one of the original creditors to investigate and send me correctional 1099 for debt cancellation of the highest amount amongst three debt account caused by identity theft in past two and half years which is also attached for further documentation i am buying a home and i have to get this cleared its been way too long for credit reporting to address it kindly remove it asap and take action with this report

Company response to consumer: Closed with explanation