BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-31
Company: JPMORGAN CHASE & CO.
State: ME
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:
I have ( for at least 5 years ) an excellent credit score with XXXX, XXXX etc. that is in the mid- to high XXXX XXXX. I have never applied for credit, and been denied. I recently applied for credit with XXXX, whose credit partner is JP Morgan Chase bank. I was denied - and told the reason I was denied credit was due to past debt with JP Morgan, Chase bank. NOTE - In XXXX I defaulted on a chase issued credit card. - Are they able to retain and use this in assessing my credit risk since this is from XXXX? < -- -- note this is NOT on my XXXX, XXXX, etc credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I opened an American Express Serve account in XXXX. Never had any issues until last year. My unemployment started getting deposited to the account. I created XXXX sub accounts. The account holders also received cards. 1 of the sub account holders also received unemployment. The payments went to my account because there was no way that I could see to set up the direct deposit to the sub account holder. American Express Serve proceeded to lock my account with thousands of dollars on my balance I called and they said I violated their terms of service which is XXXX. I called and was told to write a letter I did that. Nothing was done. I was never notified of the lock or closure and they have my money. I have tried tons of times to speak to someone that can help and no one can. I have been dealing with this issue for well over a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: VA
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:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I've been banking with XXXX Bank for about 4 years now. I've been a small business XXXX  for about 20 years and due to Covid-19 my business has suffered. I decided to apply for a PPP loan and was approved and funds deposited into my account on XX/XX/XXXX. The deposit was in the amount of {$14000.00}. On Tuesday, XX/XX/XXXX, I checked the balance of my account and discovered that XXXX Bank had put a hold on my deposit. I contacted the bank to ask what the problem was and was given a ridiculous excuse that because the funds was deposited into an account that was not a business account, I had to provide documentation that I'm entitled to the deposit. I provided the bank with a copy of my XXXX Schedule C-tax return, a copy of my EIN number that I had faxed from the IRS, and a notarized copy of the loan application and signed documents for the loan. I submitted the documents on XX/XX/XXXX at XXXX CST. I contacted the bank 3 different times today only to be stonewalled and told that my documents are being reviewed, my business has to be verified with the XXXX of XXXX, someone will give me a call back. Excuse after excuse is what I've been given. I reviewed the bank 's policy when it comes to ACH deposits and no where does it state that deposits can be withheld from the customer without proof of wrongdoing. My account right now shows a balance of XXXX. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this letter due to the recent credit breach. My personal information was affected by the recent credit breach, your company has been placing obsolete, inaccurate information on my credit file. I am unaware of the inaccurate accounts and inquiries listed on my credit file. The letter is attached in the file below. I have file with the FTC, I have filed a police report against your companies, also filed a lawsuit against your companies for violating my rights, placing information on my credit without my consent, defrauding my credit file placing inaccurate accounts and inquiries on my credit file to compensate money for bad inquiries and accounts. Please be advised that this isnt a threat its the final goodwill letter.

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As a courtesy XXXX XXXX agreed to notify the 3 credit bureau 's to remove a late from my account for XXXX, XXXX. I have it in writing from an earlier dispute that was opened via the CFPB portal as well as XXXX XXXX sent me an email for my records clearly stating that the late shall be removed and it was sent by XXXX XXXX to the XXXX credit bureau 's back on XX/XX/XXXX. Both XXXX and XXXX removed the late reporting for XX/XX/XXXX however Transunion has still not removed the late. I have opened 2 disputes with Transunion and they are falsely stating they have reached out to XXXX XXXX and that that XXXX XXXX is stating that the late is verified as being correct and then closes my dispute. The XXXX XXXX  advocacy team at XXXX XXXX is stating XXXX Transunion has NOT REACHED OUT TO THEM and there is no record XXXX Transunion has reached out to them and that they have XXXX Transunion the notification to remove the late XXXX TRANSUNION has still not removed the late for XXXX of XXXX. This back and forth has been going for 3 months now with Transunion REFUSING to remove the late from my file even when instructed ny XXXX XXXX to do so ... ... .here is the original CFPB complaint ID # XXXX from XXXX XXXX where they indicated on XX/XX/XXXX that all credit bureau 's would be notified which included Transunion however Transunion XXXX the ONLY Bureau who has not updated my credit file and has STILL NOT REMOVED THE LATE

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 2022-11-14
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:
experian, XXXX, and XXXX  all have reports of collection accounts my son took out and has it under my name as we share the same name. These are not my accounts and were taken out fraudelently

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to 1006.34 Notice for validation of debt ( a ) Validation information require. 
( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required By 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication ; or .....

( 4 ) Validation notice means a written or electronic notice that provides the validation information required by paragraph ( c ) of this section.

( 5 ) Validation period means the period starting on the date that a debt collector provides the validation information required by paragraph ( c ) of this section and ending 30 days after the consumer receives or assumed to receive the validation information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Has 30 days to validate these debt.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have always made timely payments on this account and am therefore requesting that this late payment be removed from my account. This is not acceptable as I have been working hard to ensure that my payments are made on time each month. Please see the attached documents for verification

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Under USC 1681g, I request that you remove these fraudulent accounts from my credit report within 15 days. These accounts do not belong to me and I have no knowledge of them. I have attached the necessary documents for your review.

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 2022-10-25
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: Account information incorrect

Complaint:
Whenever Equifax reports a dispute, they update the date reported. I have a closed account with XXXX that was settled. There is a current tradeline of " date of major delinquency reported '' that shows XX/XX/XXXX. That is completely inaccurate. The major delinquency was caused by XXXX  and occured in XXXX, and was settle in XXXX of XXXX. This is causing Fico to report the most recent late payment on the account to be only on month old, as well as a huge dip in my credit score which is affecting my ability to obtain a mortgage. 

I also requested through Equifax that the most recent dispute that was filed at the end of XXXX be deleted. I was assured that it would be deleted within 7-10 business days. It has been over three weeks since I made was told that the dispute would be deleted and it still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: DISCOVER BANK
State: NC
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:
Look at this Complaint. 

Discover card illegally tagged this complaint as a duplicate, thus violating and depriving me of due process with causing me to not be Given a fair and reasonable opportunity to be successful at this dispute, clearly illegal. 

They are liars!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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:
On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I have recently come to learn that my mortgage note was sold several times into a XXXX. The XXXX and XXXX XXXX reveals that my realty was securitized. The amounts are unclear. This scenario was not disclosed to me during closing and the signing of the XXXX XXXX XXXX XXXX on XXXX, nor the refinance on XXXX. Disclosures are very much the ideal under the Home Ownership & Equity Protection Act, Title 15, United States Code, Section 1639. The XXXX and XXXX XXXX, a public document, is also accessible to the XXXX XXXX XXXX XXXX. I am certain the profits derived from such mortgage-backed securitization was more than enough to extinguish my mortgage debt. '' It is my understanding that wagering monetary contracts are to be settled and closed in 3 years by the state comptroller of the currency. Planet Home Lending misrepresented themselves as " lenders ' in the transaction and on IRS tax documents. It appears Planet Home Lending is engaging in a conspiracy to defraud me and the UNITED STATES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Experian Information Solutions Inc.
State: MD
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:
THESE ACCOUNTS ON MY CREDIT REPORT DO NOT BELONG TO ME. THEY ARE FRAUDULENT ACCOUNTS THAT DO NOT BELOGN TO ME. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT.

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 2023-07-04
Company: EQUIFAX, INC.
State: HI
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:
ALL I AM DISPUTING ARE INQUIRIES I DID NOT AUTHORIZED PLEASE DELETE IT THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
The companies below made inquiries on my credit without my consent. 


XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX/XXXX  Inquiry date XX/XX/XXXX XXXX/XXXX  Inquiry date XX/XX/XXXX XXXX/XXXX  Inquiry date XX/XX/XXXXXXXX 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 2019-09-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2017 I applied for a XXXX  credit card & I was approved. This was the first credit card I have had in many years. The limit was {$500.00} to start. First I got an oil change & two new tires & a few months later, I bought a battery. I paid {$50.00} to {$60.00} a month for 6 months by check with XXXX XXXX from my XXXX  Account. InXX/XX/2017 I got a phone call from Citibank. They said to me they want to know when will I make my first payment on my account, I told them I have made several payments starting in XX/XX/2017. They told me to give them proof, so I gave them the conformation numbers from all my payment and she said that don't show anything. I asked if you guys didn't get not one payment, why did you wait 6 months to tell me? She then told me to call my bank and ask them to send some type of paper that they have showing I paid through them, some kind of code that only ppl who works at a bank would know what that paper was & my bank told me that they can't do that, so I pulled up my acct with XXXX & screen shot all the payments that I paid sence XX/XX/2017 and when ask for their email address to forward to Citibank, the lady told me to just pay the pass due bill and we won't charge interest or late fees, I said no because all payments for 6 month have been paid already, so we hung up. A new bill came a few days later and they set payment to {$88.00}, I told them I can only afford to pay what I always paid which was between {$50.00} & {$60.00}, they would not accept payment from me because they wanted {$88.00}, they closed my account asap and called all day every day with the same thing how they never been paid.I would call then with I don't know what you ppl did, but I have proof, they wouldn't take it and they stopped calling. They messed up my credit that I had worked hard to get it to where it was. My score was XXXX at that time, other credit cars I have was lowering my limit because of them & some closed my acct because all their negativity about non payments, all the late fees etc. I had the proof and they blew me off. Please tell me what can I do. I don't understand when XXXX   say we found what they said was to be ture when how can they when they said I never made a payment.. What was it that they showed XXXX? Thank you so much.

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 2023-06-15
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I requested for this financial institution to file a dispute on certain unauthorized transactions that were made on my account because my personal information was compromised electronically recently while I was using their services making those transactions possible which I informed them through email. I was expecting a provisional credit for those disputes during the investigation process because most banks follow this procedure when a client has this sort of problem. 

However, instead of Chime solving my problem they failed to conduct a complete and thorough investigation on this matter. They denied my disputes within two days which was against their company policy because I was informed by Chime themselves through email that the investigation process can take up to 45 calendar days due to the fact that the merchant has to respond to the disputed transactions as well. They also abruptly closed my account permanently without explanation. When I try to contact them over the phone I am quickly directed by their automated system to speak to them solely through email most likely because my phone number is flagged for negative reasons at this point. 
This company failed to follow the Electronic Funds Transfer Act ( EFTA ) which was passed by the U.S. Congress in 1978 and signed by President Jimmy Carter, to establish the rights and liabilities of consumers as well as the responsibilities of all participants in electronic funds transfer activities. The act was implemented in Federal Reserve Board Regulation E. The Electronic Fund Transfer Act ( EFTA ) ( 15 USC 1693 et seq. ) of 1978 is intended to protect individual consumers engaging in electronic fund transfers ( EFTs ). 

The initial date that I attempted to file these disputes was on XX/XX/XXXX.

Company response to consumer: Closed with explanation