BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened a business checking and savings accounts with Chase on XX/XX/XXXX. A month later, on XX/XX/XXXX another signer on the account, my partner for the business received a unauthorized withdrawal text from Chase Fraud Department trying to confirm if we attempted to withdrawal {$800.00} dollars from the account. We replied NO. I logged in to my Chase app and saw multiple pending withdrawal activities on the app. I called Chase Fraud department right away asking them to stop these transactions. The representative advised me that there is nothing they can do at this time, my money is secure, I would get the money back from chase, they are FDIC insured, I should try calling back on Monday. At first i was shocked with his answer, asked for his full name and he advised that he can not disclose. My partner called CHASE Fraud department and made sure that the cards have been closed. I went to the XXXX Branch and spoke with my banker on Monday, XX/XX/XXXX. He called the Chase Claims department and disputed all the charges on my checking and savings. I advised him that I never received my debit card and confirmed with him that I did not want a debit card or credit cards for this account. 

The total amount in dispute from my checking 's sum up to {$8200.00} and {$1000.00} dollars from my Savings account. Shortly Chase credited me the above amount and I was closely monitoring my account afraid to make any more deposits. On XX/XX/XXXX there was reversal transactions pending in my savings account and checking. Checking account was pending reversal of {$5200.00} dollars and Savings account was pending {$1000.00} dollars in reversal. 

Out of the total loss amount of {$9200.00} that occurred on XX/XX/XXXX, I was only credited {$3000.00} dollars to my account, because they only found that one transaction as unauthorized. I received a letter in the mail dated XX/XX/XXXX from Chase stating that they found " the transactions was processed according to the information you provided or was authorized '', " no adjustments will be made to your account at this time ''. 

I went to the XXXX branch immediately and spoke with the manger. He called the claims department for me and went thru the account details with me. He found that someone did go to a XXXX branch and changed telephone number and pin for a debit card. He also shared this information with the claims department and the answer he got was there's nothing they can do. I have been trying to resolve this matter with Chase employees in numerous attempts and have been no where. I kept trying to call and write to the claims department and does not get an answer. Chase has failed to secure my money as a financial institution and respond to my inquires.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-12
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo allowed us to withdrawal an amount of almost {$300.00} when we do NOT have the overdraft protection service. A transfer that we made from savings account probably didn't go throught We contacted them but their representatives told us that they made a decision to make the money available to us, which doesn't make sense. We wouldn't like to use the cash if the money was not actually there, and now we have a debt that we didn't ask for.

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 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Several months ago and to no prevail we have sent FTC report and affidavit as well as police report to XXXX XXXXXXXX, the bureaus, XXXX and XXXX the credit reporting agencies to ask for this incorrect information to be removed and blocked which appears to be a closed account. The account was removed but the creditors continues to re report it to the credit reporting agencies monthly. The account was taken over fraudulently during the ownership of the account and was not able to be recovered by 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 2022-04-28
Company: JPMORGAN CHASE & CO.
State: NY
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/2022 I opened a checking account with Chase Bank. Two weeks later on XX/XX/XXXX, I had not received the debit card. However, someone went into a Chase Bank on XXXX and XXXX in New York City and withdrew a combined amount of {$4500.00}. {$3500.00} from a checking account and {$1000.00} from a Savings Account. Overall, 2 of my checking accounts and 1 savings account were impacted. They transferred {$2800.00} from my checking account to my savings after removing all of the money from my savings.The bank manager called me and said the teller described that the person who withdrew the funds had an " odd demeanor '' and asked their manager to call and see if it was me. I let them know that the person who withdrew the funds was not me but the fraud had already occurred and the person had already left. I froze all accounts and placed one complaint on XX/XX/2022 and another on XX/XX/2022. I have yet to receive the money back in my account- something I was told would be done as they investigated the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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 status incorrect

Complaint:
I have disputed Account # XXXX numerous times over the last 6 months directly with the CRA 's ( Equifax, XXXX, XXXX ) for inaccuracies to which there was no real investigation performed as I've always been sent a generic " validation '' letter in response. The CRA 's ( Equifax, XXXX, XXXX ) and original creditor ( Family LA CO ) are in violation of Section 623 of the FCRA for not updating the status of the account within 30 days of receiving my written disputes. All 3 CRA 's ( XXXX, Equifax, XXXX are still reporting the " Dispute Status '' as " Account Not Disputed '' which is clearly inaccurate per the letters attached which are dated back to XX/XX/22 and as recently as of XX/XX/22. I want monetary compensation in the amount of {$1000.00} per violation for the damage these blatant inaccuracies have caused me. Other violations include 15 USC 6802a, 15 USC 6801a, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681a ( 2 ) ( i ) and civil liability for wilfull noncompliance under 15 USC 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: TD BANK US HOLDING COMPANY
State: NY
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 complaint is about an unfair business practice by TD bank that resulted in a precipitous drop in my daughters ' and my credit rating. 
I am writing on co-signer for a personal loan that daughter took out from TD bank in XXXX while living abroad. ( In addition to the loan my daughter had a Savings and Checking account with TD bank which always had a healthy balance ). The loan was signed through a power of attorney provided by my daughters ' sister who lives in the US. 
My daughter set up an automatic monthly debit and paid every single installment of the loan on time. The last time her account was debited ( in XX/XX/XXXX ), she assumed she had paid off the loan. However, in XX/XX/XXXX, I noticed that my credit score had dropped precipitously. I investigated the drop and saw that there was an indication of an overdrawn loan from TD bank. I informed my daughter who contacted TD and was informed that the last installment of the loan could not be paid via direct debit, but through a financial services institution. My daughter never received any notices via mail, email, or telephone that the final payments had to be made through another method. When she phoned TD to complain they said that the final loan was overdue which justified their action.Until then my daughter had never once missed a loan payment, but because TD made no effort to inform her, or me, about the last payment method, both of our credit scores ( see attached ) were severely adversely affected. 
My daughter filled out the TD online form asking the bank to correct the information provided to the credit bureau so as to reinstate the previous excellent score we both had. TD bank responded that they had done nothing wrong and refused to take any action. 
I then contacted a local representative in XXXX NJ where my daughter had opened the original accounts asking for help in resolving this unfair practice and to rectify it. Last week I heard back from her that the bank would do nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: TN
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:
Company 1 : XXXX XXXX XXXX  Open date : XX/XX/2020 Company 2 : XXXX XXXX XXXX In accordance with the fair credit reporting act. The creditor has violated my right 's. Under 15usc 1681, section 602 states that i have the right to privacy. 15usc 1681 section 604, section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666 B, a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.

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 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX OF 2021, XXXX OF 2021, XXXX OF 2021. I ASK ALL THREE CREDIT COMPANY, XXXX, TRANSUNION, XXXX..TO REMOVE XXXX  XXXX XXXX  ACCOUNT ENDING IN # XXXX AND XXXX XXXX XXXX ACCOUNT ENDING IN # XXXX. I HAVE LETTER STATING THAT THEY AGREE TO REMOVE THIS ITEMS AND HAS NOT.. THE ATTACHMENT IS BELOW ...

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 2023-01-26
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX and this CFPB Complaint is a follow up to the recent CFPB Complaint I submitted requesting the removal of the disputed accounts and information from my Credit File which resulted due to my identity being stolen. I have read that under the Fair Credit Reporting Act section 605b, you are expected to remove any accounts and information that resulted due to identity theft. I sent you dispute letters with complete attachments of my personal information as well as the ID THEFT REPORT I received form the FTC last XX/XX/2023, and yet to receive a response. In accordance with the Federal law, I need you to have the disputed accounts removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$8500.00}. If you believe that the disputed accounts are accurate and belongs to me, I need you to send me any documents supporting your claims. If you can not provide me with such documents, I expect you to immediately remove the disputed accounts from my Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My federal student loan servicer, Fedloan Servicing, is engaging in fraudulent and irresponsible behavior in handling my account and in their service with regard to my Stafford Federal Student Loans, which was taken out during XXXX school. I have been diligent in repaying my outstanding loan balances starting in residency, and have continued to repay the balances during the COVID pandemic. I have paid off all outstanding interest and down to a principal balance of XXXX in that exact dollar amount. However, in XXXX, XXXX, without any notification or explanation, my balance was mysteriously revised upward from XXXX to XXXX while the entire country 's federal student loans were on hold. There has been no documentation or explanation on the service portal/online to explain the reason for the balance change. I contacted Fedloan Servicing by phone on XX/XX/XXXX and was on hold for 1 hr and 45 minutes, spoke with representatives ID # XXXX and ID # XXXX. I was informed this is a correction sent by the Board of Education for interest not charged by XXXX XXXX, my previous servicer from XXXX to XXXX. No explanation of the charges was provided, no timeline of when they should have been charged or an itemized bill was provided. Absolutely no notification was provided by FedLoan or XXXX XXXX, and according to their agents, aside from a total charge, no other information is available. Neither party has taken responsibility for their accounting error, or provided any documentation to support these charges beyond passing on these mysterious charges to me. I have lodged a complaint with their financial board and I am reporting this as fraudulent activity and accounting error that is now being passed on to me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: GA
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:
Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my profile. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following accounts, be verified or removed immediately : Please investigate and remove completely from my credit report, Please investigate and delete from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX SS # : 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 2023-02-14
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 card was charged off XX/XX/XXXX in the amount of {$2500.00}. It was sold to a debt collector XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. I settled and paid the card in full on XX/XX/XXXX to the debt collector. XXXX and XXXX removed the information from my report. XXXX will NOT remove this information because they state that XXXX XXXX ( XXXX XXXX ) is reporting the information as accurate. I have provided them with proof of the account being transferred to collection agency, I've attached proof of settlement letter and proof of payment. Every time I try and get help they say someone will follow up and help solve but nobody will contact me. It's been 4 months and I can't get this paid off debt of {$2500.00} removed from Experian- it shows as current debt.

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 2022-04-29
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a email from Bank of America that I had opened a account that I did not open

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 2021-12-30
Company: Experian Information Solutions Inc.
State: VA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2023-02-21
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Target called to confirm that I was trying to get a card. I have not applied for one. Some of the information given to me was incorrect. She cancelled the application and advised to report this incident to this website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: MA
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation