BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am writing to express my profound dissatisfaction and frustration with the recent closure of my checking account with Chase Bank. The closure was a result of an accidental deposit made by my brother into my account, and the subsequent actions taken by Chase Bank have caused me significant financial and emotional distress. 

On XX/XX/2023, while my brother and I were together at a Chase ATM, he accidentally deposited his paycheck into my checking account, amount is XXXX dollars from his boss. Unfortunately, there was no way to cancel or go back to the previous page during the deposit process. As soon as I realized the mistake, I immediately contacted the customer support hotline to rectify the situation. However, I was informed that it was impossible to cancel the deposited check, and as a consequence, my account was closed due to this error. 

I understand that protocols and procedures exist to ensure the security and integrity of banking transactions. However, I firmly believe that the circumstances surrounding this incident warrant a reconsideration of Chase Bank 's decision. It was an honest mistake made by my brother and me, and we took immediate action to address the situation. The closure of my account has left me without access to essential banking services and has caused undue hardship for both my brother and me. 

In my efforts to resolve this matter, I have contacted the fraud department multiple times. I have been asked to provide my brother 's phone number as a means of verifying his identity. Regrettably, Chase Bank has been unable to verify his phone number, despite the fact that he holds his own Chase account and credit card under the same phone number. This phone number has been actively used for the past XXXX years, including being associated with government benefits, FAFSA, all credit cards, and even during the application process for a Social Security Number. 


I sincerely hope that Chase Bank will reconsider its decision and take immediate action to rectify this matter. I believe in the principles of fairness, accountability, and customer service, and I trust that Chase Bank shares these values. I kindly request a prompt response to this complaint and a thorough review of my case. If necessary, I am willing to provide any additional documentation or information that may assist in resolving this issue. 

Thank you for your attention to this matter. I look forward to a fair and satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: GA
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 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capital One has violated my rights according 15 U.S.C 1692 SEC 809-Validation of debts-1 The amount of the debt. ( B ) Disputed debt. Also 15 U.S.C 1692 SEC 808 UNFAIR PRACTICES ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. I sent my dispute letter asking for debt validation Capital one failed to provide proper documentation after i gave written instruction to respond with any answers or question VIA -XXXX CERTIFIED MAIL so that there would be an independent witness to it being delivered and they failed to do so. Capital one is stating I owe a debt but how is that so? If I was never returned my deposit due to them closing the account. I was told their procedure when it comes to closing a delinquent secured account Capital One keeps the initial deposit that was used to open the account and puts it towards the remaining balance any fees remaining will then be put in charge off/collection. The alleged debt I owe is XXXX and Capital One kept my XXXX deposit so how is it that i owe XXXX again please make it make sense. Also, any charge off less than XXXX XXXX dollars does not a 1099 form. so, for all I know Capital One is Trying to collect a debt that their insurance company already covered and they also kept my XXXX dollar deposit. I find that to be a deceptive means of trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: Conn's, 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: Account status incorrect

Complaint:
I had my account go into collections in in XX/XX/2017. I reached out to Conn 's to get this situation corrected because i know i owed them. They advised me that they had a XXXX XXXX collecting on the account. I reached out to them and agreed to settle the account. In which we arranged payments to be paid and after the last payment was made they would clear up the account. Made my last payment on XX/XX/2017 and received the letter a couple of weeks later with a Settled in Full. As the letter stats they were supposed to send the information to Conn 's to get it reported correctly on my report. I reached out to them multiple time with either getting hung up on or transferred back to the que. I finally got ahold of someone and had me send the letter and was told to give them on call on XX/XX/XXXX and they should be able to give me some insight. Well gave them a little longer so i called on XX/XX/XXXX and spoke with the same guy i spoke with the first time. Had to stress to him that i needed it takin care of asap and kept telling me that its in the review process. I told him i waiting long enough for them to report it to my credit report and should have been updated within 30 days or so not 4 months and still waiting. He spoke with his manager and had me send the her the letter to her email. And all i got from Her XXXX XXXX was that the letter stated settled in full not paid in full. I told her whats the difference settled in full means there would be no more balance. She wanted to argue with me about my rights under the fair credit act and why my report hadn't me updated properly in a timely manor. I made the effort to get this taken care of and they need to do there part as both parties agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: CCS Financial Services, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I CALLED XXXX XXXX AND NOTIFIED THEM I WOULD BE CANCELING MY POLICY AND MOVING TO XXXX FOR A BETTER PRICE. THEY CONTINUED TO SEND ME A BILL EVEN AFTER i NOTIFIED THEM IN WRITING AND BY PHONE THAT I WAS CANCELING MY POLICY. THEY BILLED ME FOR THE LAST MONTH ON MY POLICY ANYWAY. I WAS INSURED BY ANOTHER COMPANY AND DID NOT WANT THE INSURANCE ANY LONGER

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax deliberately ignored the account name and the account number by sending a response that is purely a stall tactic. Anyone with eyes can read the attachment and see the details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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: Reporting company used your report improperly

Complaint:
15 U.S.C 1681 section A. States I have right to privacy.

15 U.S.C 1681 Secrion 604 A Section2 : 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 2018-08-08
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
There was a fraudulent charge made on the account. I closed the account on XX/XX/XXXX and received a confirmation via email that the account was closed. However, the account does not appear to be closed because another fraudulent charge was made in XX/XX/XXXX. I have informed the company multiple times and each time they send my request to a Security Department but they seem unable to fix the issue and close the account.

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 2022-12-15
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I sent reports to all three credit bureaus three times and explained to them that my name is reported incorrectly. Here 's the list of inquiries : Item 1 : My name is not correct on my credit file. The correct name is XXXX XXXX XXXX Please remove XXXX XXXX. Please remove XXXX XXXX Item 2 : I do not live at ; XXXX XXXX XXXX XXXX, XXXX  XXXX I do not live at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please correct the information that is on my report because it is incorrect. 

Item 3 : XXXX  XXXX The amount of the debt is incorrect. 

Item 4 : XXXX XXXXThis information is not correct. The amount is not correct. 

Item 5 : XXXX XXXX XXXX The amount of the debt is incorrect. 

Item 6 : XXXX XXXX XXXXThis information is not correct. 

Item 7 : XXXX XXXX XXXX -- - The amount of the debt is incorrect. 

Item 8 : XXXX XXXX XXXX The amount of the debt is incorrect. 

Item 9 : XXXX XXXX is not my account. It is incorrect. 

Item 10 : XXXX XXXX XXXXThis is not my account. It is incorrect. 

Item 13 : XXXX  XXXX XXXX I did not authorize or open any new accounts. 

Item 14 : XXXX XXXX XXXX did not authorize or open any new accounts. 

Item 15 : XXXX XXXX did not authorize or open any new accounts. 

Item 16 : XXXX XXXX XXXX not authorize or open any new accounts. 

Item 17 : XXXX XXXX XXXX I did not authorize or open any new accounts. 

Item 18 : XXXX XXXX I did not authorize or open any new accounts. 

Item 20 : XXXX XXXX XXXX- I did not authorize or open any new accounts. 

Item 21 : XXXX XXXX This is not my account. It is incorrect. 

Item 22 : XXXX  XXXX I did not authorize or open any new accounts. 

Item 23 : XXXX I did not authorize or open any new accounts. 

Item 24 : XXXXI did not authorize or open any new account with this vendor. 

Item 25 : XXXX XXXXI did not authorize or open any new account with this vendor. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: AR
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:
XXXX report number XXXX XXXX XXXX account XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - account XXXX XXXX XXXX XXXX XXXX XXXX XXXX- account # XXXX XXXX XXXX XXXX XXXX - account number- XXXX XXXX XXXX XXXXaccount XXXX XXXX XXXX XXXX- account XXXX XXXX XXXX- account XXXX XXXX XXXX XXXX XXXX- account # XXXX XXXX  XXXX XXXX XXXXaccount number XXXX XXXX XXXX- account number XXXX Please investigate if every piece of information is correct They violated my rights under 15 U.S.C 1681 section 604 A section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights under 15 U.S.C 1681 SECTION 611 ( 2 ) ( A ) : the law clearly states the credit bureaus have 5 days to notify me from when they receive s my dispute They also violated my rights under 15 U.S.C 1681 SECTION 611 ( 5 ) ( A ) ( l ) ( ii ) .The law clearly states if items are found inaccurate or can not be Verified the consumer reporting shall promptly delete the information from the 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 2023-03-31
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am a customer at PNC bank and have been dealing with a fraud transaction in my account and PNC is not helping me solve the issue as needed. It was a total of {$4900.00} on XX/XX/2022, and the company of the fraudulent transaction was XXXX XXXX which I never heard of until I did some research online and saw that it is a cryptocurrency website. I have been in contact with the cryptocurrency fraud support, and they told me that it was definitely a fraudulent transaction, but PNC Bank is still not cooperating, and they keep denying my dispute knowing I have plenty of evidence that the transaction was not mine and is definitely fraudulent. I have evidence with screenshots and emails with the XXXX company, but PNC is not taking any of that into consideration. PNC keeps telling me they don't have enough evidence to reimburse the funds back and they supposedly have proof that the transaction was made by me, but they never showed me any proof. I made a new account due to my account being taken over and I also reported the transaction the following day, but the fraud department didn't think much of it and just thought that a dispute would solve the issue, but it didn't. I have been dealing with the account takeover and fraud department at PNC bank, but they have been no help at all and have not given me any details or updates on my dispute for 3-4 months. I even filed a police report to see what else they can do for my case. I have filed a complaint with PNC bank, but it seems like they don't take it as seriously, so I would like to do as much as possible to solve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act

Company response to consumer: In progress
Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: NC
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 recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that weren't open by me, this has been hurting me as I am buying a home for my family. Please remove these accounts off of my report 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 2022-05-24
Company: Experian Information Solutions 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 filed a dispute for a XXXX XXXX bill that went into collections providing proof of the lease at my next apartment showing that I was not in occupancy at the time of the bills. The bills are a fraudulent use of gas after I was no longer at this apartment. I provided the lease and details to the credit agency and the debt collector and it has not been removed and their latest dispute shows the info valid. It is wrong. I can provide the lease at my next apartment if that is of value, Source : Experian Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, DE 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 2023-10-01
Company: Experian Information Solutions Inc.
State: TX
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, 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

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 2023-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
BOA Claim # XXXX I received a call from Bank of America XXXX My caller ID showed it was Bank of America and showed the companies logo and moving banner promoting ATMs and the tel # for BOA. When I answered I was told it was the fraud department and someone was trying to take approximately {$700.00} out of my account. This person knew my name and I did not give them my account information ( account # ) and they did not ask for it. They sent me a text with a code and asked me to provided the code # to verify my identity. I gave them the code. ( This is what Bank of America did also when I called the fraud department. ) They then asked me to verify additional codes to initiate refunds back to my account. Apparently the money was being taken from my account using XXXX. On my phone it said the transcations were going to " REFUND ACCOUNT '' After doing this several times they put me on hold and never came back. I then called the fraud department who told me they recognized the fraud and stopped some of the transactions. Apparently the person committing the fraud was the person claiming to be from Bank of America. When I called the fraud department they had already stopped some of the transactions because they recognized it as fraud. The scammers took {$500.00}. I told them exactly what happened ( which they later used against me to deny my claim ) It is important to mention here that I did not give them my account information so how would anyone outside of the bank know where to take the money from in a XXXX transaction? And why did my caller ID say it was Bank of America? In subsequent conversations with the fraud department I was told that about 300 other people had been taken by the same scam so they felt confident they would solve the issue. They also said they were able to see where the money went to ( the telephone and email address of the recipient ) They froze my account and I opened a new. Now they have denied my claim for the following reason : - Our investigation found that the transaction was confirmed valid by you via ( SMS/MMS ) text message response or speaking directly with XXXX XXXX XXXX XXXX 
- We based our decision on our records and the information you provided when you contacted us about your account. 
I would like to add that I have had my checking account at BOA for 20 YEARS. They are basically saying I did all this myself and admitted it! They need to prove that. I suspect it was an employee of BOA and they are liable and at fault for allowing the funds to be released. How could anyone except BOA know the account information and access it for a XXXX transaction? I will not accept the denial.

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