BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/2023 Dear Sir/Madam, I am writing to express my extreme dissatisfaction and concern regarding a recent issue I have encountered with my Chase bank account. I have been a loyal customer of Chase Bank for years, and I have always trusted their institution for its reliability and customer service. However, I am deeply disappointed by the way my recent concern has been handled, which has had a severe impact on both my study and personal life. 

On XX/XX/2023, I discovered that my bank account had been unexpectedly blocked without any prior warning or explanation. This sudden action has caused significant distress and inconvenience, as the funds inside the account are essential for my day-to-day activities, including work-related transactions and personal expenses. And I am only a student, so I really need the money. 

I promptly contacted their customer service department to seek clarification on the matter. To my dismay, I was informed that my account was under review due to unspecified reasons and that the standard review period, which used to take XXXX week, has been extended to an astonishing XXXX months. This unexpected and unjustifiable delay in resolving the issue has left me in a precarious financial situation, hindering my ability to carry out my professional responsibilities and meet my essential needs. I have over {$1000.00} hold by them and it is the money I wish to use to apply for a school, now without this money I cant apply for the school and it is almost past the deadline that I could turn in the money and application. 

I kindly request a thorough and immediate investigation into the circumstances that led to the freezing of my account and the subsequent prolongation of the review period. I urge them to provide me with a clear and detailed explanation of the reasons behind this action. Additionally, I request that my account be reinstated without further delay, allowing me to access my funds and resume my normal activities. 

Furthermore, I expect Chase Bank to compensate me for the losses and inconveniences I have suffered as a result of this situation. The undue stress and financial hardship caused by this incident require redress, and I trust that CFPB, a reputable institution, will take swift action to rectify this matter. 

I appreciate your prompt attention to this urgent issue. I expect to receive a satisfactory resolution soon of receiving this letter. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: DISCOVER BANK
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I use my XXXX  in XXXX on a Car service but canceled the car before the XXXX time to cancel and I had the proof of that but the XXXX company says only the company that changed my XXXX can take the charge big of my XXXX when I have the paperwork to prove I canceled the service way ahead of time. The problem is the car service makes you go into their own website to make changes to car pick up dates then saying you never sent the change and wont show you the actual internal company email page you submitted the change on but just what ever they want to show you from what ever they want to show you but not the actual internal email you sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I received a text message from Chime At XXXX, saying.. ( Did you try to use your Chime card for XXXX {$.00} at XXXX XXXX XXXX XXXX Reply yes or no ). I immediately replied no, checked my account and saw a withdrawal at XXXX for XXXX ,, I immediately called them and spoke to a representative in which she told me that the transaction at XXXX XXXX for XXXX $ had been blocked, but the transaction for XXXX was pending and that there was nothing that she could do at this time for that transaction because it was still pending. That I would have to wait until the Transaction was completed before i could dispute it. I checked my account all weekend and finally on Tuesday XXXX XXXX XXXX it had completed the transaction of {$400.00}. I immediately called Chime to dispute the transaction. 
They opened a dispute of a case # XXXX and at XXXX they had contacted me via email that the dispute had been closed due to no error occurred. I called them again immediately @ XXXX to dispute their decision and had the case reopened. With a case # XXXX. I then received another email & XXXX stating the dispute had been closed again due to no error occurred. I then called Chime again XXXX at XXXX to dispute their decision again. They reopened the case again and again emailed me @ XXXX stating they were closing the case and I was denied my refund of {$400.00} due to no error occurred. Now I am reaching out to you all pleading for my refund of {$400.00}. I am a XXXX mother and I know my account was hacked/compromised and so does Chime especially since they were the ones who contacted me first to Make me aware of that moneys being taken out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still 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 investigate the unverifiable items and update them immediately in my 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 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 2022-10-09
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
TD Bank misleading and lying to me. I transferred {$1500.00} to my husband who is trying to pay to get a roof back on my home from hurricane Ian disaster in XXXX ( no roof!! ) using XXXX, sponsored by TD BANK. Transaction never went thru they lost my {$1500.00} and its in limbo somewhere ( probably making interest for the bank ) the bank rep told me to stop punt which I did on XXXX. TD bank rep said the {$1500.00} would be back in my account by XXXX XXXX on XXXX. TIDAY US XXXX SND MY MONEY IS STILL LOST BY TD BSNK. WHO STILE MY MONEY. I want it back. Do I go to police???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-26
Company: Kriya Capital, LLC
State: CT
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:
I am reporting these two companies called as : CREDENCE RESOURCE MANAGE and XXXX XXXX XXXX  for the abuse of placing on my credit report a deceiving information that I am owning some money to pay in the amount of {$2200.00} when this charges were fixed and settled by their own presidential managers 3 years ago. I used to have this account and every time when I used to go out of the country my bill was over XXXX of dollars for internationally roaming charges. Therefore, I had reported to XXXX XXXX XXXX as fraudulent action that XXXX XXXX has taken to get money from people like myself. XXXX  contacted and submitted my complaint to XXXX XXXX  and some XXXX which I dont remember his name handled this mistake since it was not my fault. I was told at the time that my account shows {$0.00} balance and will be removed any damages. However, this CREDENCE RESOURCE MANAGE do not understand it and refused to take it out of my credit report. XXXX XXXX  should have records of their mistakes and complaints from XXXX on file against them, why are they not revising that?.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I attempted to make contact with XXXX XXXX XXXX  to update and resolve the reporting that was being done on my credit report. I discussed over the phone with several agents both XXXX of XXXX and in XXXX of XXXX. The resolutions that were provided to me on the initial phone call in XXXX was never met nor followed through by XXXX XXXX. The company has falsely reported incorrect balances of my account to credit bureaus. The current status of the account is not correct and is unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was never properly contacted by the original creditor informing me of the supposed debt. I was never provided with comprehensive documentation of itemizations that supported the amount of the supposed debt. I was only made aware of the debt when I was alerted to it upon reviewing my credit report. I have also never received tangible verifiable documentation of the debt via the collection agency handling the debt, Hunter Warfield. I contacted Hunter Warfield directly on XX/XX/2023 at XXXX regarding the debt, requesting all information regarding the amount of the debt in question, all details of the calculation process as well as the date the debt was created. Once transferred to the appropriate department, the agent I spoke with possessed an unprovoked disrespectful tone throughout the interaction citing that it was my fault that I was never provided with the details of my debt and that we needed to work to resolve the debt that day to avoid court action against me. The agent then disclosed that {$500.00} of the debt was being charged to me for damages that were incurred as a result of a break in that supposedly occurred some period of time after I was no longer legally a tenant of the address and was residing elsewhere, which doesn't even seem legal to me in the slightest. Due to the agents demeanor and his unnerving claim, I ended the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Santander Consumer USA Holdings Inc.
State: RI
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: Problem with personal statement of dispute

Complaint:
An account is still showing derogetory when its not, and theres 2 account in that name. The one showing derogatory is ruining my life. Ive settled with that company and negotiated that it be off. I cant get anything done with that on my credit. Its 1 year away from being off but Im trying to get a house. And other stuff. Please get this off or update the derogetory to closed and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: CA
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 privacy and confidentially under 15 USC 1681.

USC 1681 section 602 A -States I have the right to privacy.

USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 c ( a ) 5 No consumer reporting may make any consumer report containing any of the ff information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX - {$1700.00} XXXX XXXX XXXX XXXX - {$2500.00} XXXX XXXX XXXX XXXX  {$4700.00} XXXX XXXX XXXX XXXX  {$2100.00} XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXX XXXX XXXX XXXX {$9100.00} XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX {$9400.00} XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX XXXX XXXX {$9200.00} 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 2023-01-03
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My Complaint is against Capital One Bank : I am a small business owner of XXXX XXXX XXXX. I am a XXXX XXXX XXXX and XXXX XXXX I had made an ACH transfer on XX/XX/XXXX in the amount of {$10000.00} to my consultant XXXX XXXX. XXXX informed me he did not receive the money on XX/XX/XXXX and within 24 hours on releasing the email received by me was a phishing email I stopped payment. Below are the details of the bank and account number to where ACH was initiated. 

Bank : XXXX XXXX  Account Number : XXXX ACH Routing Number : XXXX Checking Bank Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX After about 35 days of waiting for a response from Capital One I went to XXXX XXXX  and was informed that the routing number is correct however, XXXX XXXX  has only 10 digit account numbers and the above being a 12 digit account number the money would have been returned within three business days to Capital One. 
Today, it is more than 2 months ( 63 days ) and I am yet to hear from Capital One on the status of my money. 
Not a single representative from Capital One has ever taken the trouble to call me. Unlike XXXX XXXX  from whom I received three phone calls within a span of 2 weeks from their Fraud Detection Department. 
Capital One has also kept me on hold for more than 2 hours with no response and they keep transferring my call from one department to another. 
Your support here will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Experian Information Solutions 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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 602A states that I have a right to privacy.

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

15 USC 1681c. ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information ; any adverse items of information other than records of convictions for crimes which antedates the report by more than 7 years.

15 USC 1681 s-2 ( A ) ( 1 ) states that 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.

Please delete the aforementioned accounts ASAP.

Thank you.

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 2021-03-04
Company: Bread Financial Holdings, Inc.
State: PA
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX - charge - medical bill I was asked to pay for imaging that could not be read by a radiologist - imaging was poorly done. It missed standard of care quality elements. In other words, it lacked information that is normally included in such imaging and reporting. Associated radiologist agreed and removed their own charges. 

There was no customer service department, and therefore, no resolution path within XXXX XXXX XXXX. With their billing department I tried to dispute bill but they would not discuss ; ordering doctor also tried to help resolve this issue because the imaging could not be read. I eventually contacted a XXXX XXXX XXXX Vice President for help ; he said he'd help but did not follow up. 

Non payment went to collections, and for several years I have been harassed by collections. I can provide a list of blocked telephone numbers from credit collectors. 

I ran my XXXX  report in the summer of 2020. The bill is now bringing down my credit. Note that I am in my XXXX and have had nearly perfect credit for all of my adult life. 

Due to the ongoing harassment, I finally offered to pay the bill ( in writing, with the debt collector if they'd remove it from credit reporting as an error. They did not respond within 30 days - It's been 6 months ). See letter, and USPS timestamped return/receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX held mortgage until we were eligible for a modification ( two month window ), they transferred loan to Rushmore Loan Management Services after modification application and told two months until eligible. Rushmore also inspected and burglarized property upon loan transfer. I started process of filing complaint but the stress for me unbearable dealing with them as I am disabled. 
They have continued to create a financial hardship as they refuse to accept pay-off. 

Rushmore was paid in full by XX/XX/XXXX after disregarding application for loan modification. ( property had appraised for {$46000.00} and not XXXX as owed ) So we paid full amount owed. 

They dragged out each payment and I kept paying trivial amounts to pay off and they still would NOT release lien. 
Rushmore continues to bill us with XXXX in escrow in their hands and our loan paid off, including charging late fees and higher mortgage payments. 
It is XX/XX/XXXX and they continue to place fraudulent charges on this paid-off 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 explanation
Consumer complaint received 2022-10-09
Company: Self Financial 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: Their investigation did not fix an error on your report

Complaint:
Information never changes on none of the accounts disputed and comes back as verified when there are clearly errors on account status, late or missed payments not being updated to none and collection accounts not being verified for removal instead being reported as charged off.

Company response to consumer: Closed with explanation