BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Hello, On XX/XX/2022, I visited Chase bank on XXXX, XXXX, IL for a transfer from my saving account to the checking. 

A red overdraft fee mention displaying on my screen at home prevented me from doing at home online. 

After I informed the cashier that I did not do it online in order to avoid the overdraft fee, and requested him to transfer money from my saving to the checking, he did not tell me, after I transferred {$1000.00} to my checking account, keeping only {$5.00} on my saving account should trigger non sufficient fee of {$5.00}. 

Days later, the remaining {$5.00} were taken for " Savings withdrawal limit fee '', leaving my account at {$0.00}. 

Days later, I requested one of the manager to explain and refund the {$5.00} taken, he told me that fee is written in the papers they gave me when I opened that account, more than 10 years ago. 

I tried to avoid any overdraft fees by not doing it on my own at home, but the agent who served me on XX/XX/2022, aware of my concerns, did not help and educate a customer in ways of avoiding the said fee. 

Even though it is just {$5.00}, I think that attitude from the cashier, the manager, and Chase bank itself is unfair. Until when Banks will continue to take advantage of ignorant people?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-12
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Our Bankruptcy was Successful, and Lien Releases and Account updates were due XX/XX/XXXX, Discharge Order dated XX/XX/XXXX has been sent various time. On XX/XX/XXXX I called XXXX XXXX asking that the account be updated and was notified that the account would be reconciled and lease from their Bankruptcy Dept. within 30 days. I am currently trying to refinance my loan due to the 6.75 % to a 4.1 % ; I am currently on day 55 and STILL waiting for Seterus Inc. to expedite my request. 

As of today, XX/XX/XXXX I have incurred {$630.00} for a 10 day lock extension to maintain my interest rate and a direct result of Seterus Inc. failing to comply with The Fair Credit Reporting Act ( FCRA ), require that my payoff accurate in a timing manor. Additional, I could have had this already refinance and I am still currently paying the hire interest at 6.75 %, this is costing me significantly. 

I have never made a payment past 30 days ; the Payoff Demand from Seterus Inc. sent on XX/XX/XXXX states my next payment due XX/XX/XXXX. Additionally Seterus Inc. sent a Credit Supplement - Mortgage Rating indicates last payment received XX/XX/XXXX and reports no payments past 30 days, the Payoff Demand by the Bankruptcy Department contradicts the Credit Supplement. 

I have make various phone calls and sent letters, at times they are rude and tell me they are over loaded with these types of cases and they are doing their best. I am very stressed and frustrated and need help to reach the next ten day deadline or it will cost us more money. I will attach the attorney 's letters, my letters and Bankruptcy notice. 
Main Contact at XXXX - XXXX XXXX, Bankruptcy Dept XXXX or XXXX XXXX, both from the management team.

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 2023-08-23
Company: DISCOVER BANK
State: NV
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:
On XX/XX/XXXX, I used a discovery credit card to purchase XXXX XXXX XXXX gift card on the gift card website ( XXXX ). The total amount ( $ XXXX {$20.00} ) According to the description on the gift card website page, the gift card can be used in local stores At the checkout counter, I went to the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX that afternoon. The clerk tried several times and told me that the gift card could not be used. 

I had no choice but to go to the XXXX store across the street and use the same discovery credit card to buy a car battery I contacted the seller XXXX XXXX XXXX XXXX  ( ( XXXX  ) and told the seller that these gift cards are not as described on your website and can not be paid at the local store cashier. I want a refund. The seller does not agree to a refund. 
I contacted the discovery credit card and initiated Dispute ( Dispute # XXXX ) ( Dispute # XXXX ) Discovery credit card told me the result today, I have to pay these two bills

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22
Company: INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
STATEMENT OF FACTS On XX/XX/22, I applied for the XXXX Preferred XXXX XXXX Card at the XXXX XXXX Main Branch of Industrial and Commercial Bank of China ( XXXX ) ( USA ) XXXX, which is located at XXXX XXXX XXXX In XXXX XXXX NY XXXX. At the point of application, I was told that the aforementioned card is accepted in 160 countries of the world, which is also outlined on a Web site of the bank at https : 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 XXXXXXXX My application for the credit card was approved due to my high credit score, and approximately six weeks after the application, I received the credit card by mail. 

During my stay in XXXX, XXXX, from XX/XX/22 to XX/XX/22, on multiple occasions, I attempted to use the credit card without any success. On XX/XX/22, I contacted a customer service of the bank at ( XXXX ) XXXX, and I was told by a customer service representative that my credit card had a system error that had to be fixed. He further explained that he anticipated a resolution of this issue within 24 hours, and he suggested to contact the customer service only, if I kept on encountering the same issue again. However, the issue was not addressed. 

On XX/XX/22, I called the customer service to communicate that the issue was not fixed, and I was told by another customer service representative that acceptance of my credit card was limited to the United States, XXXX, and XXXX XXXX only, and it would not work in any other country in the world. 


STATEMENT OF ISSUES 1. XXXX ( USA ) XXXX  was misleading in regard to acceptance of the credit card. I was told that the credit card was accepted in 160 countries of the world, which was also listed on the Web site of the bank. In reality, according to the customer service of the bank, the credit card works in two countries of the world ( the United States, and XXXX ). 

2. Based on my personal assessment, the bank is involved in unfair practice of limiting acceptance of its XXXX  credit cards that are issued to non-XXXX  customers of the bank with the purpose of discouraging non-Chinese Americans from applying for XXXX XXXX XXXX XXXX XXXX ( USA ) XXXX. This practice constitutes a highly XXXX business practice that discriminates customers of the bank, based on their XXXX origin.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This account is inaccurate XXXX XXXX XXXX I'm unaware of this account and did not receive notification about of debt. Validate Prove it with a wet signature that this debt belongs to me. This information is inaccurate and an FCRA violation Also, please provide Validation of Debt and Method of Verification. Please honor all request of documentation.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Gettingunauthorizedhard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of theunauthorizedinquiries. 

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 2023-12-05
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting 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:
CFPB- 15 U.S. Code $ 1681c-2 a consumer reporting agency 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM 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 2023-07-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Hi. I am receiving multiple mailing from companies offering me a loan. They are doing that because the credit bureaus ( Experian, XXXX and XXXX XXXX ) are sharing my personal identifiable information with them. I received a letter for example from XXXX XXXX with the amount of my debt. The letter provides the names and addresses of the credit bureaus to opt out, which I have done and I'm on their do not mail list. The problem is that the information should never have been shared with these companies in the first place. In my situation, the damage is done. My husband found out about it and its a problem for me ( I loaned my brother a significant sum ). 

I receive information from credit card companies assuring me that my PPI is protected, and I have to create passwords to view my data, and the credit bureaus can just share my information without my consent and the burden to call and write letters is on me. 

This isn't right.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accountsas unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : 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 2023-07-08
Company: Experian Information Solutions 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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: HUNTINGTON NATIONAL BANK, THE
State: TN
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:
Items was not verified non did I get a response. I have fraudulent inquiries that I disputed, I want remove from my credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Midwest Recovery Systems
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I check my credit report every week. I noticed my score dropped and this company is on my credit report stating that I owe over {$1200.00} to XXXX XXXX  XXXX XXXX. I have never received a letter or phone call from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
I sold my home to my friend using the VA transfer process. We started the process in XXXX XXXX  and the mortgage company was PennyMac. PennyMac dragged their feet on the process, even acknowledging they didn't even start looking at the transfer until nearly 45 days after receiving the request. Due to PennyMac 's delays, lack of communication and the inability to even get ahold of them, the sell of my home to my friend took nearly 5 months. My friend and I are both active duty in the military and this occurred during both of us conducting a military move. PennyMac 's delay cost me thousands of additional dollars in hotel and food expenses as I couldn't close on my new home until the transfer was complete.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-07
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent XXXX XXXX XXXX a debt validation letter and they received it on XX/XX/XXXX. They claim that they did an investigation into the debt after they received it on the XXXX and finished their investigation the same day. Which it surprises me that they were able to finish it so fast as they received the letter at XXXX and was able to finish their investigation and mail me a letter the same day. I asked for several things as allowed by law when concerning medical debt including Proof of acquisition of the alleged debt, proof of contractual assignment to collect alleged debt, authorization under subtitle D of the ARRA, Section 13401, Proof bearing the signature the alleged debtor wherein they agreed to pay the alleged creditor, and being this is a medical debt, a copy of the HIPPA authorization. I find it hard to believe this company keeps being able to get away with continuing to break the laws protecting consumers. I have read several complaints against this company and they never answer for what they are doing. In the letter I received in response they threw some doctors name on the paper and claim I had some medical services with this doctor which I have never had and the fact that if they are receiving patients private information and not being authorized to do so is a serious infraction against the hipaa laws set forth to protect patients. I have tried to validate this debt in the manner that I am suppose to do following the law and the law is continuing to be broke by this company. On another note this company reports that I supposedly seen a doctor on XX/XX/XXXX but claim this account was opened mXX/XX/XXXX which is 9 month before they claim I saw a doctor I do not even know how that is possible.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is information on my consumer reports from Experian, XXXX and XXXX that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the identified transactions furnished on my consumer reports. Please permanently block and remove the reporting of this information as it is harming my ability to obtain new credit. Moreover, there are inaccurate addresses, phone numbers and inquires that must also be removed. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am the Attorney-In-Fact and the Authorized Agent for XXXX XXXX, requesting this block for the name of my PERSON. 

I have items on my consumer report that are a result of an identity theft and not made by any transaction related to me : Experian ======= 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Incorrect phone number : XXXX that must be removed from all three credit reporting agencies. 

Without prejudice, without recourse, all rights reserved : by : 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 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
removing fraudulent info

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 2019-02-06
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Regions Bank fraudulently charged me overdraft fees they also charged me an excessive withdrawal fee and a cash deposit fee ... no one can give me w straight forward answer as to why Im beyond livid

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 2019-08-23
Company: EQUIFAX, INC.
State: SC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation