BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX XX/XX/XXXX I tried closing my account and I learned that there is a hold on my account for {$2200.00}. After multiple calls with Chase and visiting their branch, no one could tell me the reason for the hold, except that the hold was placed in XX/XX/XXXX, about 23 years ago. This is insane that Chase has a hold on an account for so long and has not bother to notify me or rectify the issue. So I raised a customer complaint and I was told by Customer complaints that they are not here to help me resolve the issue but to coordinate between departments, something that I have already done. When I ask my case to stay open because the complaint is not resolved, they say that the case will be closed as there is nothing that they can do further. After a month bouncing back and forth between departments at Chase bank, which I thought had a great reputation, I lost confidence in the institution. I believe Chase has experienced a system error, and no one has caught it or resolve it, and this is the reason that I am being bounced back and forth to different departments. This does not give customers confidence in Chase systems. Luckily for me the money is on hold, but it could be worse that the money totally disappeared from the account. Advice to others, if you have a chase account, monitor closely. If you dont, go elsewhere. Look at all the publicity that they are getting because of their latest XXXX XXXX XXXX employees are not proactive and doing their jobs. An example of that is when Customer complaints told me to reach out to the branch instead of them following up with the branch with next steps to try to resolve the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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.

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 2023-01-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX I signed closing documents at settlement for refinancing my home mortgage with Carrington Mortgage Company. I signed paperwork which stated my monthly payment would be {$650.00} yet received my first statement stating the monthly payment was {$780.00}. I also received a statement for {$0.00}. No other correspondence from them. Ive called over 20 times and been out on hold for lengthy periods of time, spent 45-60 minutes on the phone with different individuals several times, been transferred to supervisors, given the number for the escalation department and could not reach anyone, told the matter was being investigated and spoken to individual in the expedited concerns/ complaint department, always being left with no resolution although that is what I requested. Carrington admitted human error on their behalf after settlement during an audit which revealed they miscalculated my property taxes and stated this was the reason for the monthly increase of over XXXX on my 30 year mortgage. Before the settlement ( in XX/XX/2022 ) they had just finished a prior settlement with me on the same mortgage but contacted me a week after closing and told me I had to go through settlement again as they were unable to allow the inspection waiver, as signed at settlement, that I had to have an inspection and that my ex husband would not be receiving his cash out payment on time as agreed during settlement, because of another error on their behalf related to XXXX XXXX XXXX XXXX XXXX  updating regulations. I planned accordingly for the refinance based on the amount we agreed on and they changed it without notifying me after signing the legal documents. Theyve been impossible to reach and respond to my request for resolution in the matter as it was their error and we have legal binding agreements. They also gave me less than promised in my settlement check which they later told me I could have been given the option to have the money I agreed to receive or paid it separately to cover the escrow but they took it upon themselves to take the money out of my settlement check without explaining it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I created a Gemini account last week and made a deposit of {$5000.00}. After waiting for the deposit to clear I then attempted to withdraw my funds but was then informed that my account was under a security hold and that I would need to reach out to customer support. I then provided customer support with additional documentation including a picture with my ID and ticket number. I have yet to hear back from them as a result and simply want to withdraw my money from the exchange once and for all. I have read the horror stories from others who claim that Gemini has held on to their money for months and had I known I would have refrained from using their exchange to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: EQUIFAX, INC.
State: HI
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 am a victim of identity theft. XXXX, XXXX and XXXX XXXXXXXX XXXX and XXXX have fraudulent accounts on my profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
My father was a Navy Federal Credit Union member. He had an auto-loan, however he passed away in XX/XX/XXXX. I continued to make payments, once all was settled, I contacted the credit union to advise of my fathers passing. It took them months to determine they would talk to me. I provided death cert, heir-ship documents and all my contact info. I was finally assigned a case specialist in XXXX XXXX in XX/XX/XXXX. To date still have not heard from that person. I continued to call explaining story over and over. On XX/XX/XXXXXXXX  the car was repossessed. When i called to find out why as it was not delinquent, I was told in the state of TX a lien can not remain in deceased persons name for more than 12 months. I explained I have been trying to work with them for sure a solid 6 months to resolve and have gotten no where! They finally assigned me to someone in the settlements department which has been an additional nightmare. The remaining loan balance was {$9700.00}. I was told to submit an offer which I did, {$7800.00}. Took another month for them to accept. I was told if I open an account that would likely make the process easier when trying to get approved for the loan so I did however my loan was declined so I went with plan B and was going to use credit card to pay-off. When I called to make the payment, I was told they don't accept credit card payments. I explained its not a Navy Federal card and no one ever explained what payments are or are not acceptable nor have I ever received anything in writing about this process, i was told its their policy. So now I am back to square one. The case manager that I was working with said she requested extension to give me more time to payoff lien of {$7800.00}. I countered again to {$7000.00}. She advised extension was approved through XX/XX/XXXX. I withdrew from my XXXX to pay lien. I called today to find out if counter off was accepted and I was told the car is up for auction. I requested information to speak with the agent that was helping me and requested to escalate to management and was told it's almost XXXX so all departments are gone. The process alone is frustrating but to be going through this in the midst of losing of a loved one is absolutely horrible!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
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 XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end 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 non-monetary relief
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: KY
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:
The account in question is with XXXX XXXX XXXX, and the account number is XXXX. I did not open this account, and the charges made on it are not mine. I suspect that the account was opened fraudulently by someone else who obtained my personal information without my knowledge or consent. I have taken steps to address this issue with all XXXX credit bureaus. XXXX removed this account after XXXX XXXX XXXX couldn't verify the debt, but XXXX and Equifax still has this account reporting on my credit report. I contacted both XXXX XXXX ( Original Creditor ) and XXXX XXXX XXXX about 2 months ago to dispute the debt and report it as fraud. Since then I have not got a response and have made a few follow up calls but haven't got any help. I am requesting that the account be removed from my credit report as it is not mine and was opened without my consent. I have included copies of the police report and any other relevant documentation to support my claim. Please investigate this matter and take appropriate action to remove the account from my credit report. I appreciate your attention to this matter and your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 i saw that i had sent money to a unknown person {$530.00} dollars and i have made a dispute but it got denied even though I said that i lost my phone recently that i never had a single problem with them like this that i also have been a loyal customer and that i don't think they would want to see me leave chime as a customer. I called exactly that same day i saw the email and i even told them since you have all the person 's info call her or do whatever it takes for he/she to send me my money that i never sent that person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I wrote Trans Union regarding an error on my bureau. ( Account XXXX XXXX XXXX # XXXX ) regarding errors, I noticed with the payment rating, balance. 

***Transunion was to update my report after investigating : Transunion duty is to provide Notice of dispute : VIOLATION 15 USC 1681 S 2 ( A ) ( 3 ) : requires credit reporting agencies to investigate and correct inaccurate or incomplete information The error in question relates to the PAYMENT RATINGS on my bureau XXXX XX/XX/XXXX ***PLEASE REVIEW MY PAYMENT RATING AND HOW IT IS REPORTED Ive been disputing this for YEARS and Trans union has FAILED to provide me with CORRECT Payment Rating Data XXXX-VIOLATION OF 15 USC 1681 S 2 ( A ) ( 3 ) TRANS UNION REPORTS : LAST PAYMENT WAS MADE ON XX/XX/XXXX : If last payment was made on XX/XX/XXXX how can there be any late payments reported prior to XX/XX/XXXX? Please see highlighted ***MY CREDIT BUREAU SHOULD BE MARKED AS DISPUTE REINVESTIGATION INFO SHOULD STATE DISPUTED PLEASE SEE DATE UPDATED ON MY BUREAU : LAST UPDATE AS XX/XX/XXXX Please see the Highlighted Response from Trans Union Trans Union Failed to conduct a reasonable investigation Under 15 usc 1681i : Failed as a data furnisher Trans union to conduct a reasonable investigation. 

XXXX violated 15 USC 1681s-2b XXXX XXXX was not listed or updated on my bureau with the dispute FCRA states Trans union is required to investigate disputes and correct any errors within in 30 days, however after years of disputing this information, Trans union has FAILED to meet this obligation and has CONTINUED to report the inaccurate information instead of correcting it.

As a result of Trans union FAILURE to comply with 15 U.S.C 1681s-2 ( a ), I have suffered harm to my credit score, insurance policies, and refused employment.

I plead you thoroughly see the the violation and ensure this incorrect info is removed immediately from my report, and take the proper steps that will prevent Trans Union from violating others such as myself under FCRA.

I reserve the right to to take legal action to enforce my legal rights under the FCRA.

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 2022-11-24
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: Personal information incorrect

Complaint:
I have been in constant contact with XXXX, XXXX, and transunion. They refuse to remove personal information that does not belong to me.

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 2023-04-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information in this matter. 

The fraudulent accounts are as follows : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX/DEPT OF ED, XXXXDEPT OF ED, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, 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:
This company is currently showing 30 days late for the month of XX/XX/2022 as reported in 3 Credit bureaus. I have read enough to understand my rights. The late history should not be showing late. The Bureaus are attempting to violate this clear understanding. Please investigate and reported the payment status positive and update all late from reporting on this account. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: RI
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX RI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Convergent Resources, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I discovered the alleged debt while reviewing my credit report. I have received no contact by phone or mail from the identified debtor regarding the alleged debt and believe this was negatively reported in violation of the FDCPA. 
Convergent XXXX began reporting XX/XX/XXXX that an alleged debt of {$110.00} was owed to original creditor XXXX XXXX and has continued to negatively report said alleged debt each month to present. I have not had an account with XXXX XXXX since XXXX when my XXXX XXXX XXXX was discharged in XXXX. I have no knowledge of this alleged debt or when Convergent XXXX acquired alleged debt as no communication was attempted with me at any time by phone or mail and the alleged debt reported may be an attempt to re-age and collect a debt that was discharged in bankruptcy.

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 2023-02-05
Company: Experian Information Solutions Inc.
State: OH
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 am attaching additional information/documentation that highlight that XXXX XXXX made a bank error in regards to my account and attempted to withdraw my payment from a bank account that was not mine and had never been present on my account. 

Attached is correspondence from XXXX XXXX on XX/XX/XXXX that there are no notes in the comments on the account that I made any change to the online account. 

In that same letter, XXXX XXXX indicated that there was research that I changed my account from XXXX to XXXX, which is contradictory to confirming that I never made any change to the account. 

XXXX XXXX stated that there was insufficient funds in this account from XXXX, and said that my account reverted by for subsequent payments to XXXX, for which every single one of my payments since this account has opened since XXXX of XXXX has been made from. 

Also attached is my payment history on this loan, as well as as a verification letter from my bank XXXX, that confirms that my 3 accounts with them opened in XXXX, which is around 3 years prior to me having an auto loan with XXXX XXXX. In this verification letter, there is not one account that I own that ends in XXXX. 

This connects to XXXX XXXX having an internal banking error, that attempted to withdraw from an account that I have never owned, which has been confirmed by my bank, and is supported by the history of the 30+ payments made to the account from the checking account ending in XXXX. 

This bank error caused my credit score to drop by more than 50 points, and the representative working on the account, and I would like the negative credit reporting as a result of this bank error reversed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XX/XX/20XXXX 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 explanation