BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am writing regarding a loss of {$5000.00} from our personal bank account at chase bank. 
All our efforts to get a reimbursement from Chase bank until now were rejected although we feel that Chase bank is responsible for our money loss. 
We hope you can help us get our money back from Chase bank. 

In XX/XX/2021 at XXXX XXXX, I received a text to my cell phone from Chase Bank phone ( XXXX ) XXXX Stating that there is an attempt to transfer {$5000.00} out of my Chase account through XXXX. 
At XXXX, I got a phone call from another Chase phone number ( XXXX ) XXXX, the person on the other line, said he is a chase representative and that someone transferred {$5000.00} out of my XXXX account and he will try to help me reverse it. 
After a long conversation ( over 50 minutes ) in which we supposedly tried to reverse the transfer, he had me transfer the {$5000.00} to XXXX account ( XXXX ) XXXX as a last resort to save the money. Then, the line got disconnected. 
At XXXXXXXX XXXX I called back Chase to the same number I got the call from ( XXXX ) XXXX in order to continue the conversation. I was then told that Chase has no records of such a call with me and that this is probably a fraud. 
We talked to our branch manager about this, He contacted the Fraud department which called us few days later. As we did not get any solution from them, we asked to talk to a higher manager which called us few days later. Still, none of these people helped us. They just said they cant do anything! 

We see Chase responsible for this money loss, since all communication with us was through Chase phone numbers ( text and voice ) and we had no means to know it is not done by Chase. 
I want to emphasis the following : 1 ) All phone numbers which connected with us through text or voice were recognized Chase bank phones that we got calls from in the past, so we had no reason to suspect. 
2 ) The conversation with the Chase representative was similar to many other conversations we had with chase representatives over the years regarding fraud suspensions. 
3 ) We understand there is a {$500.00} limit to first time transfer from XXXX, how come CHASE allowed a {$5000.00} transfer to a new number? 
4 ) In the past, chase called us to verify transaction much smaller than this, how come they did nothing on this one? 
5 ) The {$5000.00} went somewhere, the bank knows where the money was transferred to. They should trace it and bring it back to us and not just tell us they can do nothing.

6 ) We understand from the talks to chase people, that this is not the first time something like this happens. Why does Chase not act to eliminate the possibility for this type of fraud? 
We see CHASE bank responsible to trace the money and bring it back to us, or if they can not trace it, than Reimburse us from their own funds. 
We ask that you help us get the money back from Chase bank. 

Best Regards, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: MS
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:
See Attachments ... .There is information on my consumer report that is a result of identify theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request of the block being made on the basis of a material representation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 


YOU ARE REQUIRED TO DO WHAT I AM ASKING AND BLOCK THESE TRANSACTIONS FROM BEING REPORTED TO ANY CONSUMER REPORT WITHIN 4 DAYS FROM THE DATE OF RECEIPT OF THIS NOTICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: OneMain Finance Corporation
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:
I have sent in letters on numerous occasions to XXXX and they are still reporting false information on my credit report. I have wrote this company In XXXX, XXXX, XXXX, XXXX and XXXX but that will not take action on the accounts I told them that do not belong to me. I have wrote the collection agency as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: COMMERCE BANK
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My wife and I do all of our banking through Commerce Bank and have for 20+ years. We have multiple accounts held with Commerce, including a savings account that was setup many years ago for one of our children. Given that my child is a minor, my wife was/is setup as the custodial on his account. We placed roughly {$1000.00} in the account many years ago and have left it alone as a savings account for our child.

We receive the monthly statements on the account. After reviewing the most recent statement, we discovered that the entire balance was unknowingly transferred to the state of Missouri. We received no correspondence whatsoever before this action was taken ( no email, letters, or phone calls ). Commerce Bank simply decided that because there hadn't been any activity on the account for some time that they would just send all funds to the state without providing us any notice. 

I'm very upset about this. Our address was correct on the account and we have been long-time loyal customers of Commerce. Further, all of our other accounts were actively being used, so Commerce had all of our current contact info on file. Finally, at no time were we contacted before this ridiculous action was taken.

When I called, I was told " sorry, that's just the normal process when an account goes dormant and we can not locate you ''. Yet, Commerce was not able or willing to provide a copy of any of the correspondence that they supposedly sent to us regarding the dormant account. 

As a result, I now have to go through the state of Missouri 's process to get my own money back, likely incurring fees. 

I think it's only fair that the money that was sent to the state be placed back into my account and that I be compensated for my time and hassle of what appears to be a very poor practice by a well respected community bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I paid for a rental application via XXXX to provide a potential landlord with my credit score, credit report, background check, and eviction check. I believe the inaccurate information provided by TransUnion on the credit report and score was reckless and discriminatory that negatively impacted my ability to rent within a desired area. 

Here 's a list of the inaccurate information stated my XXXX report : Under " Personal Info '' : 1. " Recency of a balance overlimit on a bankcard account '' - This is false. My bank card ( debit card ) is no where listed on the report. 

2. " Insufficient payment activity over the last year '' - This is false. I have paid on-time over the last year.

3. " Inquiries impacted the credit score '' - This is false. I shopped around for a mortgage loan during 30-day periods or had my credit pulled by the same mortgage company to renew a pre-approval, but this information was used against me. 

4. Credit Score listed as " XXXX '' - This is false. According to a recent credit disclosure letter from a potential mortgage lender, my Fair Isaac Corporation ( FICO ) reported my TransUnion credit score at XXXX. 

Under " Fraud Indicator ( s ) '' : 5. " Input Address has been used more than once within the last 90 days on different inquiries. '' - This is not a fraudulent activity or should be listed as a fraud indicator. Just like other consumers, who are allowed to apply for mortgage loans and shop around, this activity should not be marked as a fraud indicator. 

6. " Input Address is a restaurant/bar/nightclub. '' - This is not a fraudulent activity or should be listed as a fraud indicator. My physical address is a mixed-use property ( i.e. the main floor has business space and the upper floors have apartments ). My mailing address is where post office boxes are rented and allowed to be used. As a resident in a communitive living and utilizing a post office box, being marked as having a fraud indicator is unfair. 

The above is unjustly restricting my ability to move to a desired location.

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 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am submitting this complaint in regards to my XXXX  XXXX/XXXX  account. Today XX/XX/2021 I was notified that my credit score dropped due to a late payment being reported to the credit reporting companies. This account was not paid late. I had a XXXX  ( XXXX  ) balance on this card for quiet some time. However I was notified about 2 months ago that I owed {$8.00}. and change. I contacted XXXX and spoke to them I still do not no till this day why I owed that small amount but I paid it anyway. I was assured from the customer service rep at XXXX  that this account will not be reported late due to this unexplained error. Well today it was reported and I am upset because my score dropped by 39 points. First of all I paid for something that I didn't even owe I just wanted it cleared up and now it's reporting as 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 2022-11-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXXXXXX 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 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 2023-05-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Upon conducting a thorough review of my credit file, I have discovered the presence of unauthorized inquiries that are being reported on my personal record. It is evident that Equifax, and XXXX Credit Reporting Agency have failed to comply with the regulations outlined in the Fair Credit Reporting Act, specifically 15 USC Section 1681i. They continue to report unverified information without providing the necessary legal proof required by law. These credit reporting agencies have not fulfilled their obligation to properly identify and furnish verifiable proof within the mandated time frame. I would like to emphasize that the reported inquiries are inaccurate, and I have never authorized any party to access my credit in such a manner. Despite repeated requests, the credit reporting agencies have failed to provide me with written authorization or take the necessary steps to remove these inquiries from my credit file. Therefore, it is imperative that the following inquiries be promptly removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Given the circumstances, I am highly doubtful about the accuracy of these inquiries. I expect a timely resolution to this issue, and I trust that you will take the necessary measures to ensure that my credit information is protected and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: LA
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, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX, XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX, XXXX XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2020 ( XX/XX/2020 ). If they are not removed, I will hold XXXX XXXX, XXXX XXXX criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report are preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX XXXX, XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiries that is being fraudulently furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XX/XX/XXXX XXXX XXXX, XXXX, Equifax Date XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCAL IS NOTICE TO AGENT Account- 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount- {$12000.00} Dear XXXX, XXXX, Equifax You are reporting Unverifiable inaccurate , incorrect information on my XXXX, XXXX, Equifax credit report. The reporting of such information has created severe damage to my character, my reputation, and general mode of living and my ability to obtain credit for personal and housing purposes. 

You and your in accurate reporting have damaged my livelihood. 

In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt you are reporting on my credit profile. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( XXXX XXXX 1692g Sec. 809 ( b ) ).

15 U.S. Code 1692g - Validation of debts.

I do hereby request that your office provide me with complete documentation to verify that I owe the said debt under the FRCA and FDCPA regulations.

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent Contract With My Two Wet Signatures Promissory Note Validating The Debt Belongs To Me If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
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 discovered that some of the items on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : 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 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 2023-04-07
Company: Experian Information Solutions 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:
When I reviewed my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX Balance : {$32000.00}

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 2022-04-16
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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: CA
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:
my complaint is about blatant violations by XXXXt and Equifax, XXXX  and XXXX. I asked XXXX to validate a debt they have listed on my credit reports. The first letter I sent was in XXXX they sent a bill to me. I again asked them for proper validation and they ignored my request. Since then I have sent XXXX other letters and got no response. I can provide the letters upon request. I then disputed with the credit bureaus using the factual evidence from my reports. Needless to say I found several violations and inaccuracies so I disputed those as well even so they continue to report with no regards for the laws. I will attach pages from my report so you can record these violations. Each bureau has been reporting different information which can't be accurate. such as trying to re-age an account, also moving an account to another area on my report. Changing a collection from open to closed then back open. Equifax even went on to say they were no longer reporting this XXXX  account but it's still there. This account has been listed with consecutive Charge-Offs for 2 years straight as well as reported late and past due on this collection. See for yourself.They seem to think the laws don't matter. I can't be the only XXXX they're doing this to. I could really use your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: U.S. BANCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a US Bank business checking account online on XX/XX/23. The entire opening process was online. 

I was told I need to call in to close the account. 

US Bank should not make it more difficult to close an account than to open one. If they allow online account opening, they should allow online account closing.

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