BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Since the end of 2019, no one has been available by telephone to service my JP Morgan checking account. I just confirmed again that this remains the case. 

I am suppose to be able to request and obtain free, one-time electronic transfers as part of the servicing on this account. When I tried to exercise this feature of the account last XXXX, after calling one or more customer service numbers, I was transferred to someone in the XXXX who told me she had no way to access information about this account and that her supervisor had no way to access the account either. As of today, I can not reach anyone by telephone who can access this account or provide this service that is suppose to be available on JP Morgan checking accounts. 

Today I was locked out of Chase online. I can not check any of three accounts that I have with JP Morgan Chase. In addition, a telephone number that has nothing to do with this account is listed on it : XXXX. The information that came up online to reset my password indicated that I could enter my Amazon/Chase Prime credit card to get a code to reset my online password. This did not occur. The first time I tried, I was disconnected. The second time I called, I was told that I would need to wait online for 50 minutes. Recordings indicate that I can access my accounts online which is false. 

Although the current covid-19 pandemic has worsened service from JP Morgan Chase, there were insurmountable problems previously that have been long standing for several years. They have never been resolved. 

Presently, I have no access to any of 3 of my accounts with JP Morgan Chase. I can not check or make bill payments through this online feature of my checking account. And even when I reach employees of this company, they also claim they have no access to any, or one or more of the accounts. 

Please force JP Morgan Chase to provide me immediate access to my accounts with it and to provide full service to the checking account, in accordance with what is typically available to JP Morgan checking accounts. In particular, it needs to provide free, EFT transfers when requested. 

I have written about various related problems with JP Morgan Chase for years, yet my accounts remain completely inaccessible to me or to JP Morgan Chase employees which the bank widely advertises as being available to provide support and services that are not provided when they are sought. 

The CFPB needs to employ effective means to force this bank to comply with its own advertised services. Relying on unmonitored software to get it to comply with the law is insufficient to provide banking services to consumers. I have complained about this to the CFPB numerous times without relief. Since nothing was done before the pandemic, it now appears that it will be more difficult to obtain reliable banking services that JP Morgan Chase widely advertises for its accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
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:
On XX/XX/XXXX, Experian started reporting XXXX as a Derogatory Account on my credit file in the amount of {$300.00}. 
Police report and information that the following account was opened due to indentity theft was sent XX/XX/XXXX to this consumer.

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 2023-02-14
Company: EQUIFAX, 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 interested in disputing all incorrect information on my credit report with Equifax. delete all invalid data that is hindering my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
According to the FCRA, this inaccurate and unverified address must be removed asap from my credit report. XXXX XXXX XXXX I do not live at and I don't want my mail going to someone else with all the fraud that is going on right now. 
XXXX refuse to remove XXXX XXXX a employer I never worked for the other bureaus has

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 2022-04-13
Company: Global Lending Services LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
A person with the name XXXX, called and text my neighbors, and other family members on XXXX, and before. This person stated he wants to give a person listed on my agreement, a kiss. They repeatedly call my home, leave messages, and email me, all day long. I dont appreciate the harassment to my neighbors and family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hello there are some inaccuracies on my credit file. I have sent several letters to the company and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. There are closed accounts or zero balance accounts with NO late payments that should have been closed or removed. I have contacted XXXX, XXXX XXXX, and Transunion several times. Per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company.

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 2022-04-13
Company: BANK OF THE WEST
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I, XXXX XXXX, have recently sent a cashier 's check from my bank XXXX to a contractor XXXX XXXX XXXX, for construction work. My check of {$6000.00} was deposited into his account on the XXXX of XXXX. My bank, XXXX will verified the check has been cleared only if Bank of the West calls, - ( XXXX ) XXXX extension XXXX - which they are not willing to do. Bank of the West refuses to pay out the funds to XXXX XXXX XXXX XXXX XXXX me. My construction project has come to a halt and I am getting calls, texts, and emails about the situation over the last several days, including the workers threatening to sue me for not getting paid. Kindly please see to this. I was told only Bank of the West will be able to fix and that XXXX can't do anything. I spoke with the branch manager, she said that she can't do anything due to not being on XXXX XXXX 's account. This includes refusing to refund me or payout the funds.

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
LAST MONTH TRANSUNION HAD A GLITCH IN THEIR SYSTEM TO WERE ALL THE INQUIRIES WAS DELETED FROM EVERYONE ACCOUNT. HOWEVER I WAS ONE OF THOSE PEOPLE WERE ALL THE FOLLOWING INQUIRIES WERE TAKING OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THEN A WEEK AND HALF GO BY AND THEY ALL JUST POPPED BACK UP ON MY TRANSUNION REPORT CAUSING MY SCORE TO DROP, ME TO GET DENIED FROM LOAN COMPANIES. THEY NEVER SENT OUT ANY LETTER TELLING ME ABOUT THE GLITCH IN THE SYSTEM OR THAT THEY WILL BE RE-ADDING THOSE HITS BACK TO MY REPORT WITHOUT MY PERMISSION. I FIND THIS VERY DISTURBING AND RUDE AND SNEAKY. PLEASE HELP 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 explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting to the credit agency Experian that I have a charge off account with them. It was ruled in a civil court ( XXXX XXXX XXXX XXXX XXXX XXXX ) that this account was open fraudulently and is of no responsibility to me. XXXX and XXXX are not reporting this charge off account on my profile but Experian is and that is in violation of the Fair Credit Reporting Act to provide maximum accuracy within the accounts.

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 2018-04-10
Company: EQUIFAX, 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 have submitted numerous disputes regarding this account to Equifax, XXXX, XXXX, Consumer Finance.gov, and the company reporting the erroneous debt. I have requested verification of this debt numerous of time and have yet to receive it. XXXX and XXXX rightfully deleted this debt from my report but Equifax only continues to report the debt as disputed. Consumer Finance.gov and attempted to contact the creditor numerous of time and have closed two previous complaints due to being unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: SUNRISE CREDIT SERVICES, INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Last week, I see Derogatory marks on my credit profile came from Sunrise credit services for XXXX creditor services. 

Tried contacting XXXX XXXX XXXX support several times in past 2 days with different support persons/teams and they confirmed there is no active or outstanding amount pending with me. 
Visited XXXX XXXX XXXX corporate office ( XXXX XXXX XXXX, NJ ) and they confirmed there is no open account on my name/SSN which confirms there is no due on me. Currently, XXXX XXXX XXXX XXXX line is owned by the business and before I move to the business line, my earlier account was closed and I have email confirmation for the same. 
Since i overpaid for that account so XXXX XXXX XXXX refunded me the money via a GIFT card ( XX/XX/XXXX ) which confirms there is no due. 

Finally, I finally called Sunrise credit services on Monday ( XX/XX/XXXX ) to investigate which account had dues so I can provide the details to XXXX and clarify. 
Since they couldn't find anything due on my name/address/SSN. 

Also, asked them did they contacted me via email/mail before they reported debt on my credit report with Derogatory remarks. 
They told me several mail notices were sent on XXXX XXXX XXXX XXXX, XXXX NJ, XXXX. I told the agency that its not my address and this is not even a valid address. 
Plus, there is no email address on the collection due Account. 
Since i was never notified of any due or neither I have any open account with them so its clear case of fraud committed by XXXX XXXX XXXX using my identity. 
As a result, they opened a Fraud against XXXX ( waiting for the fraud package to arrive ) I would request you to please help investigate this issue and help restore my impacted credit history.

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 2023-08-16
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:
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 explanation
Consumer complaint received 2019-08-04
Company: Central Portfolio Control Inc.
State: MA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
There are 2 related issues with this company ( collection/violation of Privacy ). I had an outstanding loan which I was told not to pay because the company had already written it off as Profit and loss ( meaning I should be receiving a tax form to include as income for my 2019 taxes and that I would need to just pay taxes on the remaining balance-the company had already taken the loss ). The issue with this particular company Central Portfolio Control starts on XXXX XXXX 2019. I received a call from my husband questioning an outstanding loan. My husband told me he just received a call from someone named XXXX looking for me. My husband said he told XXXX he had the wrong number and identified himself as my husband. My husband gave XXXX my number and told him to contact me directly. XXXX then told my husband that he had attempted to contact me ( I had no messages of such ) and then asked my husband if he was aware that I owed this loan. My husbands reply was that he was not aware because we maintain our own finances. Once I received this call I contacted XXXX and recorded the conversation ( which he was aware of ). XXXX admitted clearly what he said to my husband and said he did not violate any privacy rights because Massachusetts allows for collection agencies to speak with a spouse - I explained to XXXX this was incorrect. I then told XXXX this was something I was instructed not to pay as it was already written off as loss by the loan agency so I didn't understand how his company obtained the file. XXXX insisted he was correct and that the company was in their rights. I have spoken to him at least 3 times since and explained that I was filing a complaint with the XXXX, CFPB, and Atty General as was advised by my Financial Counselor. I continue to get messages at least once a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a phone call on XX/XX/XXXX at XXXX XXXX while driving home from work. The call was from a collection agency notifying me that I owed money from an unpaid utility bill in the amount of approximately {$160.00}. They mentioned they had sent a notice via US mail, I asked what address it was sent to and they gave me an address at which I've never resided. I supplied them with my updated address and they were going to send me bill. I mentioned I was not able to give them any payment information at the moment since I was operating a motor vehicle. 

The morning of XX/XX/XXXX I checked my credit report and noticed the collections agency had reported the account to the credit bureaus. I still had not received a notice in the mail so I tracked down the number of the agency, Radius Global Solutions, from the credit report and paid the debt of {$160.00}. They mentioned they would report the debt as paid to the credit bureaus, however I'd like collections account to be removed entirely from my credit reports since the debt was paid within a week of actually receiving notice. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus

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 2020-03-28
Company: Experian Information Solutions Inc.
State: GA
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 2019 a lady stole my Identity from her job. I was given min, information about her. I did have to sue the company and they had to prosecute her. She made a fake Id with all my info. obtained loans, lines of credit, credit cards, and student loans for the most part. She had worked with them some years stealing over 20 peoples info. I also have 2 accounts one with XXXX and one with XXXX XXXX  the attachments are here. XXXX I was an AU on my sons account and XXXX it was reported closed on my line of credit and it is not. I also have a XXXX  card that was removed due to the fraud and applied back on my account recently. I never had a XXXX  card acct number XXXX for {$27000.00} I have 1 XXXX  that I do not want you to touch which is for {$1000.00}. After my case the judge granted that I was not liable. XXXX XXXX COLLECTION PURCHASED THE DEBT AND REPORTED IF AFTER IT WAS VALIDTED NOT MINE. THE LADY OPENED THE ACCOUNT WITH THEM THE ACCOUNT NUMBER IS PA XXXX ... THAT NEEDS TO BE REMOVED IMMEDIATELY AND BLOCKED. I just got the fraud alerts off so I can purchase my home and all this stuff happened back to back preventing me from closing. If you look at my files I pay everything on time! I need these removed immediately. FTC ATTACHED, MY REAL ID 's attached, ss card attached, the thief 's fake Id attached, bill attached, police report, ftc, XXXX letter and XXXX attached and notary attached. I live 6 months in XXXX  and 6 months in XXXX. my job has been like that for 3 years.

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 2020-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 2019 a lady stole my Identity from her job. I was given min, information about her. I did have to sue the company and they had to prosecute her. She made a fake Id with all my info. obtained loans, lines of credit, credit cards, and student loans for the most part. She had worked with them some years stealing over 20 peoples info. I also have 2 accounts one with XXXX and one with XXXX XXXX  the attachments are here. XXXX I was an AU on my sons account and XXXX it was reported closed on my line of credit and it is not. I also have a XXXX  card that was removed due to the fraud and applied back on my account recently. I never had a XXXX  card acct number XXXX for {$27000.00} I have 1 XXXX  that I do not want you to touch which is for {$1000.00}. After my case the judge granted that I was not liable. XXXX XXXX COLLECTION PURCHASED THE DEBT AND REPORTED IF AFTER IT WAS VALIDTED NOT MINE. THE LADY OPENED THE ACCOUNT WITH THEM THE ACCOUNT NUMBER IS PA XXXX ... THAT NEEDS TO BE REMOVED IMMEDIATELY AND BLOCKED. I just got the fraud alerts off so I can purchase my home and all this stuff happened back to back preventing me from closing. If you look at my files I pay everything on time! I need these removed immediately. FTC ATTACHED, MY REAL ID 's attached, ss card attached, the thief 's fake Id attached, bill attached, police report, ftc, XXXX letter and XXXX attached and notary attached. I live 6 months in XXXX  and 6 months in XXXX. my job has been like that for 3 years.

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 2018-04-30
Company: Account Recovery Specialists, Inc.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Recovery Special has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: TX
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 XXXXXXXX XXXX XXXX and credit card, has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USB 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.

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