BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I learned of unauthorized withdrawals from my acount when my power of attorney an alert that a large amount of money had been withdrawn from my account. We went to a local Chase Bank branch to dispute the withdrawals, which took place over XXXX days in late XX/XX/XXXX and early XX/XX/XXXX and totaled approximately {$19000.00}. The branch employees insisted I had withdrawn the money myself and refused to check the XXXX or to take a complaint. 

I believed the withdrawals were done using an ATM card because they were marked " E-withdrawals '' on the alert. I later found out they were made at the teller window using my ATM card, however I had no working ATM card at that time. I had notified the bank and asked for a replacement which never came. When I did not get it in XXXX days, I informed Chase. I asked them to cancel the card and told them I did not want a new ATM card. But they did not honor that request because I received a new ATM card when the old one would have expired. I believe the replacement card was stolen from the mail and used by an identity thief to make the withdrawals. The withdrawals were not made at the branch I usually use for withdrawals and were made at a time I would have been at work and could not physically have been at the branch where the withdrawals were made. 

On XX/XX/XXXX, I went to a different branch and they gave me a form to dispute the withdrawals. I gave it to a branch employee who said they would email it to the appropriate department. I checked back several times and was told the complaint was being processed and I would get a decision by mail. 

I never heard anything back from Chase until I consulted with an attorney in XXXX who wrote to the bank on my behalf. Chase responded that I had not reported the id theft within thirty days and they had denied my dispute in XX/XX/XXXX, but I never received the decision. When the bank finally provided me with a copy, I saw it was sent to the wrong address. I had notified them to send it to my XXXX XXXX XXXX XXXX address in XX/XX/XXXX, but they used my old address. 

Chase claimed I made the complaint in XX/XX/XXXX and denied it because it was not made within the thirty days, but I reported the dispute in XX/XX/XXXX, which was within thirty days of when the id theft occurred. The attorney spoke and wrote to them repeatedly and they kept denying my claim. Most recently they told her it was rejected because it was submitted on the wrong form, but it was the form that the branch gave me. I am a XXXX senior citizen retiree and the identity thief stole my life 's savings. My landlord took me to court to evict me because I was unable to pay my rent, and I only avoided eviction because I was able to get a rent arrears grant from my state. The bank has caused me great financial hardship, not to mention treating me like I was a criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Suburban Credit Corporation
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This agency is attempting to collect debt that is not owed. Our appointment to the practice was cancelled because the doctor was not available. We were told he had to attend an emergency surgery. A  nurse was present but she was informed that the appointment was with the doctor and we will need to reschedule. We request evidence of the visit and debt and the immediate removal of the derogatory remark from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a copy of my credit report noticed XXXX XXXX XXXX account which is not mine. This company is reporting a collection account that is NOT mine and is inaccurate. I have never heard of nor done any business affiliation with them. It doesnt make sense as how XXXX XXXX XXXX can be reporting an alleged debt on my credit report According to Fair Credit Reporting Act ( FCRA ) everything on my consumer report/ credit profile must be accurate, and verifiable if not that information must be deleted. If the consumer reporting agencies are supposed to exercise their responsibility with fairness, impartiality, and respect for my right to privacy, why you not doing that? You are in VIOLATION of 15 USC 1681 section 602 A. As a reference, please see the below FRAUDULENT accounts in question that must be DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To my understanding, by Fair Credit Reporting Act 611 ( a ) ( 7 ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute. This company has no valid proof Ive never done business with them I did NOT give this company written permission/ instruction to place any of this information on my credit report according to 15 USC 1681 Section 604 A Section 2. According to FCRA laws while investigating this matter you must remove above mentioned account from my credit report while under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : 1313 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-22
Company: Remitly, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Today XX/XX/2018 I sent money to XXXX through remitly but the peyer was unable to complete the transaction due to some personal information that they need from me.after 6hr I called remitly and ask the reason for the deley so they notify me we agreed to send the money to another bank and in order to do so remitly had to get in touch with the peyer to liverate the funds to remitly and resend the money once remitly got the money they notify me through email and text message so I called remitly to resend the money but the associate person who attended me make a mistake and cancelled the transaction from remitly and I have to wait 10 office days in order to get my money back when I need the money to cover some expenses for my love ones.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 2023-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/XXXX I applied for a auto loan at Bank Of America for a XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX for amount of {$95000.00} I was going to finance that car I established to them I was doing a consumer credit transaction extending credit to myself of the unlimited credit I have and that I was aware that Im the original creditor. I established with them that by law they had to approve me automatically for that transaction since I was giving them my information and my Social Security Number. On XX/XX/XXXX I received a letter from them they said they denied me for that loan because they were unable to extend me credit the reasons was because I had limited credit experience, delinquent past or present credit obligations with others and length of employment and etc.I established with them that those were a factor I stated 15 U.S. Code 1611 they were Advertising and Relaying false information, they misleading denial of my own credit Im extending credit to my self and 15 U.S. Code 1611- My entire Consumer Transaction is Predicated on My Unlimited credit

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 2023-08-24
Company: ID Analytics, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have reached out to XXXX and Sagestream and they are refusing to provide me withmy consumer report .On XX/XX/XXXX the sent me a letter stating that they are unable to authenticate my identity and therefore can not process my request. I have provided them with a copy of my y drivers license and they still refuse to provide me with my consumer report which is a violation of my rights under the FCRA. Attached to this complaint is a copy of of my Drivers License I porviede to XXXX and Sagestream.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
CITI BANK please provide me with the Original Creditor signed agreement form them. That I opened this account. I believe I would have to give you CITI BANK permission to disclose any information to any CRA can you please provide me with the signed agreement that I initiated such agreement.? I have already asked for this information and I am steal requesting for CITI BANK to provide me with this simple piece of evidence.

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 2022-10-19
Company: Incomm Holdings Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was given a {$25.00} gift card for my birthday and made a purchase through XXXX  to get food. There was hair in my food so I contacted XXXX  and they issued me a refund of {$16.00}. vanilla gift card is telling me I have to wait 3 weeks before I can get my refund but when I originally called them they told me I would see my refund within 72 hours now I'm being told I have to wait 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: TRANSWORLD SYSTEMS INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased furniture for my daughter and grandson from the XXXX, AL location on XX/XX/XXXX. The store messed up the order THREE times and I had to receive a different ( less expensive bed. ) I finally received the correct shipment/merchandise and was told for my trouble they were reimbursing for the delivery fees. However, I never received a credit for the delivery fees and the invoices were never adjusted to reflect the merchandise that I received. I called repeatedly to customer service, went to the store twice and finally filed a dispute with Mastercard on XX/XX/XXXX for {$360.00} and {$160.00} which were the amounts for delivery fees and partial order. The store disputed the {$360.00} with Mastercard AND also added new charges to my store card : {$220.00} on XX/XX/XXXX ; {$95.00} on XXXX ; {$83.00} on XXXX. I called XXXX to dispute these new charges and was told I had to contact the store. I called customer service first who told me it was between me and the store so I went to the store a third time because I could not believe that the store could put additional charges on my store credit card without my authorization. I could not believe that it was so easy for them to pull my account and add charges and force me to pay for their error. On XXXX when I visited the store, I finally got resolution. I met with " XXXX '' who printed my invoices and saw where I was overcharged and never issued a refund for the delivery charges. He issued a credit of {$200.00} and {$59.00} to my Mastercard and {$110.00} to my XXXX store credit card. Reference Credit Memos XXXX and XXXX on XX/XX/XXXX. The disputed amounts on my Mastercard were reversed and the merchant received the {$360.00} and {$160.00}. NOW I received a collection notice dated XXXX ( three months after this has been resolved ) which was sent to the delivery address ( not my address ) for {$160.00}. I have attempted to call the number on the notice which is the corporate telephone number XXXX. Five phone calls and all I get is a recording. So here I am AGAIN with XXXX harassing and adding charges and strong-arming the customer to pay for services NOT rendered. And who will be punished? ME and my excellent credit rating. This is absurd that a company as big as XXXX operates in the manner and this needs to be looked into because there are others - just read XXXX Reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
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 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

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 2019-07-01
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Accounts & Inquiries on my report that DO NOT BELONG TO ME : Accounts XXXX XXXX XXXX - {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX - {$3500.00} Opened XX/XX/XXXX XXXX XXXX XXXX - {$1700.00} XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, I deposited my paycheck into my personal checking account with SunTrust Bank XXXX XXXX XXXX in XXXX, XXXX On the same, my check cleared my firm 's operating account upon which my paycheck had been written. On the same day, SunTrust put a hold on that deposit and withdrew the money out my checking account. I have been informed that SunTrust is holding my funds for eight ( 8 ) days while SunTrust has the money. I have not been provided with an explanation as to this action.

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 2022-10-19
Company: CL Holdings LLC
State: MD
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 XXXX XXXX XXXX Account # XXXX XXXX reference # XXXX I have paid the balance previously averaged settlement agreement, XXXX will will not furnish original information and has accepted payment. There is still an additional balance due of {$820.00} of which XXXX is will to accept XXXX. I have disputed the information with all three credit bureaus previously, currently XXXX shows up on XXXX and XXXX not XXXX. I have mailed information to the president of the company and made multiple complaints and XXXX is still reporting my information. 

XXXX XXXX XXXX  XXXX XXXX XXXX Has furnished a request to pay with penalties and interest added. I have explained on many occasions of the opening of the card and fraud during the specific. I have disputed the information before as fraud as well as disputing charges with no update.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Accounts & Inquiries on my report that DO NOT BELONG TO ME : Accounts XXXX XXXX XXXX  - {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX/XXXX - {$3500.00} Opened XX/XX/XXXX XXXX XXXX/XXXX USA - {$1700.00} XX/XX/XXXX Inquiries XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 2023-01-25
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:
I just recently checked my credit report and notice fraudulent accounts on it that I did not open. I filed an identity theft report that I will attach to this message. Please delete these accounts from my credit report. I did not authorize them or open them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: CAVALRY INVESTMENTS, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, a letter was sent to XXXX and XXXX about Calvary Portfolio Services thats is reporting as a collection account. I have no knowledge of this account and I requested that they send me the original signed agreement with my signature for this account. I have not received anything from them nor has the account been removed from my account. I am aware that it is past XXXX  days and I am able to reach out again to follow up due to the lack of communication from both bureaus about this account. I also am aware that I am protected by laws under the FCRA and the following laws where violated : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I am also aware that I am able to submit an invoice of {$1000.00} per inaccuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Our company is applying for a DCID loan.

One of the steps is linking the bank ( PNC ) to the loan using the XXXX app. 
The linking fails, and the loan application is stalled at that point.

Company response to consumer: Closed with explanation