BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a tenant who owes back rent. He applied for the California rent relief and was approved and sent a check. The check was make out on a chase check. I went to deposit the check into my account, everything was good untill the day the hold was released on the check. Chase restricted my account with the funds for back rent. First time I called customer service person told me it was a fake check, which that isnt true because I called the verification number on the check to verify it before I deposited it. Then they told me it wasnt cashable ( called the number On the check again, and it said it was cashed and cleared by Chase Bank ). Another time they told me to have the program To re-issue me a check. Doesnt make sense since its already been cashed and clear by Chase why would they Re-issue me a check because they can see where it was cashed. Another time I called they told me I had to get a notarized authorization letter from my tenant stating What the money was for. It took me a couple days to get that since my tenant went to XXXX I had to have him write a authorization letter and get it notarized and have it mailed to me once I received the letter I called Chase again and then they told me a whole different route I have to take. Theyre making this really difficult and Im really getting frustrated. The XXXX check is written On a chase check they know its a real check because they cashed and cleared it and then put my account on hold and restricted it. 
Its like a runaround with them right now I need help getting this figured out Ive already lost income due to my tenant not paying and now this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Experian Information Solutions Inc.
State: NM
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 2023-01-23
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Once again, the agents at Mr. Cooper are not doing their jobs and there are multiple people at play. Starting with the email correspondence on XX/XX/2022, stating incorrectly that 3 consecutive payments were not met on the account and to contact again in XXXX. It would've been XXXX, which was corrected by another agent. I tried to contact their PMI department multiple times in XXXX and received no response. I returned two phone calls and got routed to the incorrect department. I tried again in XXXX, which is shown in the chat transcription. The agent represented themselves as working for the PMI department, but somehow did not know what XXXX XXXX pathway was. After multiple corrections, they finally sent my PMI removal request to another department. Only to receive another incorrect response which speaks to an original home valuation of {$490000.00}. Referring back to the email, you will see CLEARLY, that the original sales price was {$380000.00}, not {$490000.00}. Also referring back to the email, was an incorrect Principal balance of {$330000.00}. At the time of the email, it was {$320000.00}. 

I have made myself clear on multiple occasions, that I have XXXX interest in hearing about pathways that do not apply in my situation. I know how to do math properly! I said multiple times that the house easily appraises for more than {$440000.00}, which is proven on their own website and their " computer generated '' value via Fannie Mae. I have had it with people who don't do their jobs! The IXXXX XXXXXXXX should have been schedule a long time ago and it has not been done. There has not been a single email with the proper documents sent over, any schedule for someone to come out or anything of the sort. I should not have to send multiple requests for the same thing, just so I get lucky that someone knows how to do their freaking job!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I received a promotional email from Discover Card with the subject " Join XXXXXXXX XXXX XXXX this holiday, Get {$45.00} back ''. I read through the email and clicked on the link to activate the promotion. I purchased my XXXXXXXX XXXX XXXXXXXX membership, using my Discover card and following all instructions in the email and in the terms and conditions, on XX/XX/XXXX. The terms and conditions stated that " Offer fulfilled as a statement credit within three billing cycles after the end of the promotion. '' After waiting three billing cycles as mentioned in the terms, I contacted Discover Customer Support on XX/XX/XXXX to inquire about where my statement credit is. The representative I spoke to informed me that I should indeed have received a statement credit, and that he would escalate the issue, it would be investigated and that I would receive a call back within one week. A month later, on XX/XX/XXXX, I still had not received a call back. I contacted Customer Support again to follow up and was informed that, " the promotion is handled by corporate, and that there was nothing they could do to help me ''. When I asked if I could get contact information for whoever was needed to resolve the issue, I was told there was no public contact information and that there was nothing further they could do. 

In summary, I activated an offer and purchased a XXXX XXXX XXXXXXXX membership within the allotted time and while following all published terms and conditions but was denied the promised statement credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I deposited a check for {$800000.00} into my Chase Bank checking account from a maker I have previously deposited large checks from before. Chase advised they will place the check on an extended hold which I was ok with. The check was released on XX/XX/2023 but they had already restricted my account. When I called them on XX/XX/2023 to remove the restrictions they stated they would not remove restrictions or release my funds until the maker of the check came in the branch with their bank statements stating they wrote the check. Regardless of me having deposited checks from the same maker before and the maker initialing the check by the date, amount, and their signature. They also stated they would close my account on XX/XX/2023 without an explanation why. Later that day on XX/XX/2023 they closed my account anyway and are still holding the funds from my check deposit. I have provided them numbers to the maker and even suggested getting an official letter from the bank the check is drawn from stating the check was authorized and has cleared the other account but they will not accept any of this and only state I need to force the maker to come in branch with their bank statements. I have called Chase regarding this almost every day since XX/XX/2023. Chase closed my account and the check is good and has cleared but they will not release it to me still.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: CA
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/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$470.00} ), DEPT OF ED/XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$1900.00} ), XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Credit limit {$2000.00} ), XXXXXXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Credit limit {$2800.00} ), XXXX ( Account number XXXX, Date opened XX/XX/XXXX XXXX Credit limit {$300.00} ) 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 2017-09-24
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reviewed my Credit report and found several account unrecognized items from your office ASSET CARE LLC # XXXX, # XXXX, # XXXX, # XXXX. I do n't remember doing any business or having having a contract for services. Please forward me proof of contract or my signature etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: NC
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:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have tried to reach out and take care of this matter and yet it still remains on my credit report. This company ( XXXX XXXX ) whom, I have never done business with does not have a written contract for me. And I need this removed as soon as possible.

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 2023-06-27
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I want the collection removed off my credit report I paid the {$620.00} in full XX/XX/2023 I called the company transworld system  and they have sent me a email saying that I paid off the debt and to contact XXXX to remove it off my reports ASAP as I am trying to purchase a house and this is hurting my report for something that shouldn't be there anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: NV
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX  Balance : {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: CL Holdings LLC
State: VT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX JEFFERSON CAPITAL SYST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXXXXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 r
eport 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 2023-01-24
Company: EQUIFAX, INC.
State: NC
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 OTHER 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 items 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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: SYNCHRONY FINANCIAL
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
My brother XXXX XXXX XXXX stole my credit card and was unauthorized to charge my CareCredit credit card in my name. I got a letter with the statement and could not read it well because the letter was wet from the rain. Now, I am having a problem with my credit card from CareCredit.com.

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 2021-09-01
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I have an entry on my credit file which doesn't belong to me with Equifax for an account with an unpaid balance of {$26000.00}, opened on XX/XX/XXXX being reported by Dept of Ed/XXXX  ( account number XXXX ) on XX/XX/XXXX. I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or Dept of Ed/XXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and Dept of Ed/XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I think it was XXXX when Wells Fargo repossessed my car due to payments that I was sending going into a fraudulent account. Wells Fargo states I was behind on my payments. They had already repossessed it the year before but I managed to come up with XXXX to get it back. I'm not sure if they wrongly repossessed my car that time or not. Wells Fargo did send me a check I think in XXXX for XXXX but did they compensate me for everything they owe me? I lost my job due to the second repossession and really struggled 6 months without a car. This was uncalled for! I was so upset about this cause it caused major difficulties I shouldn't have had to subjected to.

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