BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit into my checking account on XX/XX/2023. I am a XXXX  and the check was issued by XXXX XXXX- a local title company in XXXX Oklahoma. 

It is very common and typical that I receive my paycheck directly from the title company. Chase told me there would be a hold on the funds until Tuesday XX/XX/2023. I accepted this and thought nothing more about it. 

Today, XX/XX/XXXX, I find out that Chase has placed a fraud hold on my account and that I have zero access to any funds in my checking account. They said that they did this because they can not confirm that the telephone number on the check is associated with the business name on the check who wrote the check. 

The funds have cleared and money released to Chase Bank Chase is holding the money hostage, indefinitely, waiting to confirm a telephone number. I have provided the business phone number. It is easily obtained by XXXX the Title company or by going to the company website or by looking at the face of the check. 

They tell me that I will not have access to these funds and that they will not give me back the check that I deposited. 

There is no remedy for me to have access to my paycheck. 

Chase bank has allowed deposits of other checks from this very same title company and readily granted access to those funds. 

XXXX XXXX has offered a copy of their phone bill - a copy of their business license and any other verification that Chases needs - but Chase has declined

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX Account # 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

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 2022-05-29
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions

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 2023-06-20
Company: EQUIFAX, INC.
State: AZ
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 XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-04-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
After a request to increase my company 's credit limit at the local disposal site, a credit report showed that someone, somewhere has opened a XXXX dollar line of credit to my business. This was not me, it was done without my knowledge, or permission. I have not even been able to get the name or contact information of the person or company that says the line of credit is/was opened. This is not possible, given I have no idea who they may be, nor any way to contact them. Please see attached copy of Experian 's credit report ( note COMMUNICTN o pg. 4 ) that was forwarded to me by the XXXX ( XXXX ), who manages the local waste refuse sites.

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 2023-10-06
Company: EQUIFAX, INC.
State: LA
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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: AMERICAN HONDA FINANCE CORP
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: Public record information inaccurate

Complaint:
Hello. My name is XXXX XXXX. I am an XXXX XXXX XXXX in the XXXX XXXX stationed at XXXX XXXX, Texas. I was XXXX to XXXX for nine months from XXXX XXXX XXXX. Before I was XXXX, I was making an automated car lease payment with Honda for two years. However, when I was XXXX overseas, my automated payments had stopped, which hurt my credit score. I discovered this news after I returned back to the U.S. and went to Honda because I thought my lease had matured. Honda never reached out to me during this time so I had no idea the payments were not being made. Honda also told me that I had a repo on my account, which is hurting my credit score. However, my car was never repossessed so this is a false repossession claim that I am currently suffering from. I called Honda Finance several times and spoke to my local Honda dealership but they did not help me with this situation. Instead, I was coerced into refinancing my current car with a high interest rate because I need a car for my work and to rebuild my credit. They told me I could not get a car anywhere else and no dealership would work with me because of my bad credit. Any help would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Bank of America was unable to recover a significant amount of lost funds from a scam I was involved in. I provided them with all of the information I could have, I also filed with the FBI and my local police. I have been with BOA for over 10 years, and have lost all of my savings. I thought BOA would have helped in anyway possible to ensure the safety of my money. They have done nothing to help me in any way except send me letters in the mail stating they were unable to recover the money.

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 2022-05-29
Company: Experian Information Solutions 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:
On XX/XX/2021, I contacted Experian about the following negative accounts XXXX  XXXX Inquiry on XX/XX/2021, XXXX XXXX XXXX Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021XXXX XXXX XXXX  Inquiry on XX/XX/2021, XXXX  XXXX Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XXXX  XXXX Inquiry on XX/XX/2021. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-02-19
Company: Monterey Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is saying I owe {$430.00} but the paper they sent me as their proof clearly say the individual was a female on the paper and the address said somewhere I never lived and I will attach the proof and my ID showing and saying Im a male with my proper address I been living for the last 11 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-11
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: MO
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:
Experian closed yet again another complaint without addressing the issue like the hundreds of others

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 2023-04-06
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have a coinbase wallet with ALL XXXX security gaurds as recommended by COINBASE in place. Last Year around XXXX I had about $ XXXX XXXX in it. They sent me emails and txt message saying I owe taxes to IRS which the company XXXX would pay on my behalf to IRS. I recognized that as false claim and did not deposit further XXXX in the wallet as they instructed to do by them. 
Within XXXX week of all of the monies was taken out of my wallet without my permission. 
I employed XXXX XXXX and they did a crypto trace and found a lot of my assests were sitting with XXXX - wrote to them and they did not respond to my request to return my money and shut down account of the scammers PLEASE NOTE I AM SENIOR AND THESE FUNDS WERE BASICALLY FROM MY SAVINGS FROM XXXX  YEARS OF WORKING IN IRA WHICH I ENTRUSTED WITH COINBASE! 
PLEASE SEE ATTACHED LETTER FOR DETAILS OF THE FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX  : XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX XXXX Experian XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  : XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXXXXXX XXXX Account name : XXXX 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 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.

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 2019-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Happened XX/XX/XXXX at XXXX and lasted for 28 minutes. Company name is XXXX XXXX They have my name as XXXX XXXX. 
I was called today with a message that I needed to call a number back because a civil claim was filed against me. I was at work but called the number right away. A woman answered and stated they have a claim against me for a debt I owe in the amount of {$2900.00} from Capital One. I asked her what the debt was. She proceeds to tell me. I asked her when the last activity on this account was and she tells me XX/XX/XXXX but was sent to collections in XXXX. I tell her you are past the statue of limitations on this and Im not paying. She tells me statue of limitations starts when the account gets turned over to collections. I told her she was wrong. I asked her to please send me something in writing for this account. She states they already did and tells me my address. I stated I did not receive it and please send another. She states she can not do this. The file is being sent for legal action and there is nothing they can do about it. If its not settled today they will garnish 25 % of my wages and my bank account. I tell her that I will call her back because I would like to call my attorney about this and find out about the statue of limitations. She tells me that if I hang up the phone they will proceed with legal actions. I then asked her why this is not on my credit report since Ive been checking it regularly and working on improving my credit. She gives me some song and dance about it transferring collection agencies. I tell her Im not paying anything on this today without verification of the account and without speaking to an attorney. She then transfers me to someone else saying they might have other options for me. A man gets on the phone and pretty much tells me the same thing. He then goes over my options for payment which included a one time payment, a 2,4,6, and 8 month plan. I tell him Im not paying it. Not without talking to someone and verification. I told him I would call back tomorrow after I did research. He states the debt is attached to my name, date of birth, and ssn number and legal action will go through I said fine go ahead and I will just show up for my court date and appeal this. He tells me that they dont need to have a court proceeding and a judge has already signed off on it. This is when I knew it was a complete scam. I told him fine go ahead and proceed with it. He hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
I was contacted by phone by someone claiming to be from The Department Of Treasury.His name was XXXX XXXX. He told me an arrest warrant was put against me. I was told I owed back taxes. HE TOLD me he had the authority to cancell the warrant if I paid the back taxes. HE used my debit card to the amount of {$2200.00} by using a XXXX XXXX  card.I have his number. Also he keeps calling my cell number .I was scammed on XX/XX/2019 between XXXX and 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 2017-01-30
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I owe more then XXXX with XXXX XXXX now Navient. 
What started out as a XXXX Loan is now a whooping XXXX 2 years after I left the school, Hundreds of other student and I were involved in a classification suit against XXXX college. 
The school ended up Closing down for lying to students about credits being transferable and stealing of loan money. 
I made XXXX aware of the situation and asked what could be done about the money I owed. They said that had nothing to do with them I took out the loan. The schools is no longer open and I was unable to get my Degree because after I took out the loan the school still said I owed them money. 
So till this day I do n't have my degree and a I have XXXX loan for a school that has been shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: WA
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, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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