BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter from Chase Bank that they are closing my checking account and also closing all of my credit cards associated with them. The exact words in the letter state that Chase Bank " decided to close your account because of unexpected activity on these or another Chase account. '' I called their support number and they would not give me any information as to why they are closing the accounts. They would not tell me what the " unexpected activity '' was and they would not give me the option to work with them to resolve the issue that they have. There has not been any unusual activity on the credit cards or with checking account itself. The account they are closing belongs to a business that I have used through them for many years and it is going to cause huge turmoil to move to a different bank. The customer service rep told me that their system flagged me and that I will not be able to open another account with them for myself, my business, or with any other businesses that I have for an indefinite period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: REGIONS FINANCIAL CORPORATION
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 status incorrect

Complaint:
I want you to know that I missed the payment on my account due to my serious illness and hospitalization. The XXXX pandemic has significantly impacted my life, and I have faced various challenges because of it. I lost out on job opportunities because of the late payment remarks on my credit report, and I was unable to close on a home for my family as a result of this situation. This has been a difficult and stressful time for me, and I am feeling really XXXX  about the whole situation.

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 2020-08-17
Company: AXOS FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We have a high interest loan with Axos Bank that we are refinancing through XXXX XXXX. XXXX XXXX has requested a demand statement letter from Axos Bank on Monday XX/XX/2020. On Friday, XX/XX/XXXX I was informed by XXXX XXXX that a letter has not been received from Axos Band and the loan will expire in 10 days. I sent an email to Axos Bank on XX/XX/XXXX to : Axos Customer Service XXXX, Compliance Team XXXX, XXXX XXXX XXXX   XXXX, XXXX. I was blocked from the Compliance team email and have not heard from anyone to date with the exception of a computer generated email informing me they have received my email. On saturday XX/XX/XXXX I called a new phone number on that email, XXXX that said I could call 7 days a week. I was sent to the loan department by the first person but the loan department does not work on the weekend so I went to voicemail. I called back and when asked to speak to a manager I was disconnected and the third time I called I was informed I had to call back on Monday morning at XXXX. I called Monday, XX/XX/XXXX at XXXX XXXX., waited on hold for 35 minutes and was then sent to the loan department where I was assisted for 2 minutes then put on hold again for 20 minutes only to be directed by the phone system to leave my phone number and someone would call me back as I noone was available to help me. I had to file a complaint with CFPB about Axos Bank about a month ago for a similar issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: Experian Information Solutions Inc.
State: MI
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 have disputed the inaccurate reporting of XXXX XXXX XXXX XXXX several times.They are reporting that I owe {$130.00} to XXXX. I do not owe XXXX and this is inaccurate information. XXXX is reporting this false information to Credit Bureaus under different names also. Under XXXX it is XXXX XXXX XXXX XXXX   and XXXX XXXX XXXX XXXX XXXX. The investigation into this inaccurate account has been less than adequate.

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from Chase on my credit card account ending in XXXX offering me to settle the account in the amount of {$1600.00}. I have already settled this account with XXXX XXXX XXXX which took over the collection and paid them in 3 installments as agreed upon. I have attached the copies of the cashed checks as well as Chase 's letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: IL
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 sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX : {$3600.00}

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 2020-08-17
Company: EQUIFAX, INC.
State: SC
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$18.00} DPTEDXXXX  XXXX {$28000.00} XXXX XXXX XXXX {$20000.00} XXXX   XXXX {$2600.00} XXXX XXXX {$840.00} XXXX XXXX {$590.00}

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 2023-09-28
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2023 nowhere between XXXX and XXXX eastern standard time. I attempted to deposit {$5000.00} into my account? The ATM would only except a certain amount of currency at a time. I had to make three transactions. The first transaction was for the amount ofXXXX. The second transaction was for XXXX. The last transaction was for XXXX and this is when I got the error. I entered my pin for the 3RD time, selected deposit. The deposit window opened and I put the {$1500.00} in the machine. And the ATM took the {$1500.00}. Then I received error that said Unable to deposit funds, remove ATM card. I remove the ATM card and expected a return of my XXXX. The machine did not give me my funds back and did not deposited into my account. I immediately went into the bank. I was told by the teller that they could not access the ATM machine that they would have to do it investigation. I opted to wait on the manager to come back in which was on a break. The manager told me that shell have them to immediately count the ATM machine and it would take about two days. We are on the fourth day now the manager keeps advising me shell give me a call. But that never happens. I feel like Im getting the runaround and I just want my money back because I have transactions going into that account and bills that need to be paid. Please help me. PNC Bank. XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I was at the ATM machine in the inside of the building walk up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-25
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:
My credit report is showing late payments to XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative. Also, this item isn't mine please remove it : XXXX XXXXXXXX XXXX CA 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 explanation
Consumer complaint received 2023-08-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I recently applied to wells Fargo for credit card but my income is to low hold account I need assistance opening account apply for mortgage due XXXX and lack income verification so I can have housing attend college even though I haven't had time complete certification courses for construction and music and other business administration licenses to have account features. # 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 2023-07-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXXXXXX

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 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I made a payment arrangement with XXXX XXXX on XX/XX/2020 for my XXXX payment which was due on XX/XX/2020 and for my XXXX payment due XX/XX/2020, both to be paid on XX/XX/2020. I expressed during the XX/XX/XXXX arrangement that my payment tardiness was due to Covid-19 related issues. I gave them my checking account and routing information to secure payment arrangement. On XX/XX/XXXX and XXXX I received notices that my credit report had been updated and my credit score dropped 41 points because I'd been marked with a 30 day late on my credit reports. I called XXXX XXXX to discuss the matter and asked them to remove the late payment because I believe I'm protected under the cares act that states : If your lender does make an agreement or accommodation with you : How your lenders report your account to credit reporting agencies under the CARES Act depends on whether you are current or already delinquent when this agreement is made. These reporting requirements apply only if you are making any payments required by the agreement. 
If your account is already delinquent and you make an agreement, and you bring your account current, the creditor must report that you are current on your loan or account. 
This CARES Act requirement applies only to agreements made between XX/XX/2020 and the later of either : 120 days after XX/XX/2020 or 120 days after the national emergency concerning COVID19 ends. 

XXXX XXXX stated during the XX/XX/2020 phone conversation I initiated that it was up to their discretion as to how they report late to the credit reporting companies and that their specialists will not reverse the 30 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 explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX  XXXX XXXX XXXX XXXX, Account name : XXXX XXXX DELAWARE XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04
Company: PENTAGON FEDERAL CREDIT UNION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a bank account with PenFed and I received a call about charges that I didn't authorize. I told them that some of the charges I did not OK, They canceled my card and sent me out a new one. There was around {XXXX} charges that I told them they where not authorized by me. I then received a letter from them telling me that they will not give me back the money because they spoke to the company that made the charges and they said that I did ok them so they will not be able to refund the charges. I don't know who or were I can contact the company. I can only see a couple of letters for their name and no phone number that I can call.

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 monetary relief
Consumer complaint received 2022-12-20
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: Investigation took more than 30 days

Complaint:
I SUBMITTED THIS COMPLAINT ( XXXX ) OVER A MONTH AGO AND XXXX XXXX FAILED AGAIN TO PROVIDE ME THE VALIDATION AND VERIFICATION I ASKED FOR ( SEE ATTACHED ). I HAVE ATTACHED WHAT THEY SENT ME AND IT ADDS UP TO JUST A BUNCH OF BILLS. SOME DO NOT EVEN HAVE MY NAME ON THEM. THEREFORE THEY ARE IN VIOLATION OF THE FCRA. I NEED INFORMATION I CAN RESEARCH IN ORDER TO VALIDATE THIS DEBT AND FOR THE SECOND TIME THEY HAVE NOT PROVIDED ME THE INFORMATION I NEED. IF THEY DO NOT HAVE THIS INFORMATION THEY ARE REQUIRED BY LAW TO REMOVE THIS INFORMATION FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: DE
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:
This is the second complaint that I have had to file against Experian for attempting to re-age accounts and delay deleting accounts that have reached the 7 year statute of limitations. Experian has removed all Dates of First Delinquency from the accounts on my record that have reached the 7 year Statute of Limitations. I have attached a copy of my credit report from XXXX, 2022 and my current credit report. These actions are again FCRA laws. I want these accounts removed from my credit file 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 2023-06-29
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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