BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-02
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had Fraud charges on my debit card starting XX/XX/XXXX. I was notified by chase bank at XXXX that I had a suspected fraud charge on my account of XXXX. I immediately texted back that the charge was not me. I received a phone call from XXXX XX/XX/XXXX XXXX XXXX INCOMING XXXX Peak 28 minutes. We closed my card immediately and we also shut down the chase app from my XXXX XXXX and he said not to access it for 24hrs. He also asked if I have XXXX XXXX and I said no because I have a XXXX XXXX. He removed all the information from XXXX XXXX and proceeded to tell me that there was a second number on the account that was not mine. 
Starting XX/XX/XXXX I called the Fraud department and changed all my account information and also went through all the charges that were not mine. 
XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX # XXXX XXXX WI Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX # XXXX XXXX WI Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX # XXXX XXXX WI Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX # XXXX XXXX WI Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX  WI Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX WI Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX - XXXX XXXX WI Card  XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX - XXXX XXXX WI Card XXXX As you can see the last two charges are on a card ending in XXXX which is the new card they must of issued me after I closed my previous account. The chase claim is XXXX. I also filed a police report case # XXXX. 
They reversed all the charges and I have received a notice that they have researched the charges and they are authorized and correct and they will be taking back the credit of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX CARD SERVICES 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 2023-03-11
Company: ALLY FINANCIAL INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I got an email stating my account has been frozen. No one will tell me anything and I'm being treated as a criminal. 

I've had an account with Ally for many years. I just opened a checking account with them so I can switch banks and now I have over $ XXXX in their institution and do not have access to it because they froze the account. 

Absolutely NO information has been given to me. 
CS Reps were super rude and unprofessional ( except the last lady I spoke with ) I am being old it will take 30 days to get a call. That is unacceptable. 

I have bills to pay, mouths to feed and accounts to manage. 

Anytime I've had an account frozen, it's fixed with a phone call on the same day. 

I demand an answer.

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 2019-08-26
Company: HANCOCK WHITNEY BANK
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
i recently went into a local Hancock Bank Branch with my husband to open an account so that i can pay my bills while hes out working offshore and the teller said to me that she couldnt add me to his account because it shows a charge off fom 1999 i dont recall ever having an account with Hancock Bank so i need someone to check into this and if there is nothing on file could you please write me a statement stating tjhere is nothing showing so i can delibver to Hancock bank i would really appreciate it if this could get resolved because i need to open anaccount with my husband who already has an account with Hancock Bank. thank you XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
ive been having issues with this particular account for some month now and it does not belong to me and needs to be removed asap. I did not have a student loan with them, i already have a student loan with another company so its wrong. perr 15 usc 1681b this is illegal and you all must remove asap! this is caused by identity theft/fraud

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 2023-01-31
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This a XXXX  complaint on a previously filed complaint number XXXX. 
When I initially filed a complaint, I received a call from the Barclays President office the same day. The men I spoke with assured me that there's no need to move forward with my complaint, as he will reopen the case and will make sure that my case is re-evaluated and the money owed to me will be credited back to my account. 

I trusted this individual and was waiting on my credit, which never came. I called the Barclays Bank again last week to follow up on my credit and was advised by an individual to wait about a week and not to refile the complaint, as she will submit my concern to their back office to process the credit. Again, I trusted the bank representative and when I called today to follow up on my credit, I was told that my case is closed and no credit will be issued. The Bank is operating on false pretense and acting not in good faith. I seek your assistance in resolving this ongoing issue. 

P.S On the XXXX of XXXX they also sent me an email saying that my response is in the system called XXXX XXXX, I tried accessing the system and to no avail. It is crypted and no matter what I did, I wasn't able to access it. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: I.C. System, Inc.
State: AZ
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:
XXXX has jacked up my bill from a legitimate amount of {$1000.00}, against which I have paid money, to a grand total in excess of $ XXXX, while not crediting me for payments made. 

Further, an understanding was reached with aprior collection Company that XXXX retained. I offered to make recurring payments. They couldn't take them. They agreed to call me on a monthly basis to obtain payments. They called me once, and payment was made. You do not even reflect that payment. XXXX does. 

IC Systems then took the account ; did not acknowledge payments made ; and made a derogatory report to the Credit Bureaus. They also added yet another {$400.00} charge to an already overstated and inflated bill. The situation will likely end me up in a 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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: FL
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 and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-11-08
Company: EQUIFAX, INC.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX XXXX  - Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX  - Account # : XXXX XXXX XXXX  - Account # XXXX XXXX  I have sent a letter by Certified mail to Equifax on XX/XX/22. Tracking XXXX XXXX XXXX  To investigate if every piece of information is correct, and if it is not correct then to remove it from my credit report. Certified mail Tracking XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
When using mobile deposit option, my deposits are held for 7-10 days. During that 7-10 days an automatic payment comes due. This payment is a payment to the bank for a car loan. They return ( bounce ) the payment, placing my accounts in the negative and holding any funds that were in the account for 24 hours. This is a payment of course to themselves that they bounce even though they have a deposit they know is there, the deposit is an SSI check. Because this payment gets returned my account gets flagged, so that every single deposit gets held for 10 days causing me to have to pay three more bounce check fees for bills set up through automatic bill pay for mortgage, phone, and electric. I have a very fixed income I do not have the ability to fluctuate and pay all of the fees that are charged me by the bank holding my deposits for 10 days. 
The bank is using this " returned payment '', ( their auto pay ) payment, to them that they bounce even though they have my funds in their Bank, in order to hold any of my funds at any time, for up to 10 days. 
This has created a domino effect and an extreme hardship as their behavior causes my home living situation to become unstable. When I have contacted them to resolve this I was lied to and told that it could in fact be released sooner that I had to wait till the next day. That deposits could not be released on the same day as deposited. I called the following day they said that it was not on business day and I had to wait until Monday. I said okay and they stated it would be released on Monday. On Monday they said that it could not be released because I had had a payment returned ( bounced ). Since the return was caused by their hold it feels a little bit like fraud that they are able to hold my funds cause the bounced check and then use it to hold my funds the next time. This feels like thievery. When I tried to resolve this with my banking institution I was put in que repeatedly for hours on end. I was hung up on. I was belittled. I was not treated with the respect of a member of USAA Federal Bank. This has been going on for months this repeating cycle of them holding my deposits and putting their own payments, automatic payments to their Bank, through, causing a bounce and using it as a reason to not release my funds for up to 10 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-20
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). The following is a list of the negative items : The inquiry by XXXX XXXX XXXX XXXX  on XX/XX/XXXX was not authorized by me. According to the FCRA, credit inquiries must be authorized by the consumer in writing, and I have no record of providing such authorization. Therefore, I request that this inquiry be removed from my credit report. 

The inquiry made by XXXX - XXXXXXXX XXXX on XX/XX/XXXX has reached the statute of limitations. According to the FCRA, credit inquiries that are more than two years old should not be reported on the credit report. Therefore, I request that this inquiry be removed from my credit report.

Similar to item 1, the inquiry by XXXX XXXX XXXX XXXX on XX/XX/XXXX was not authorized by me. As per the FCRA, any credit inquiry not authorized by the consumer must be removed from the credit report. Therefore, I request that this inquiry be removed from my credit report. 

The personal information on my account number, which belongs to XXXX XXXX XXXX in XXXX, CA XXXX, is incorrect. The FCRA requires that all personal information reported in the credit report must be accurate. As this address belongs to someone else, I request that it be removed from my credit report. 

The account number belonging to XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The account number belonging to XXXXXXXX XXXX XXXX XXXX  is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The account number belonging to XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The inquiry made by XXXX XXXX  on XX/XX/XXXX was not authorized by me. As per the FCRA, any credit inquiry not authorized by the consumer must be removed from the credit report. Therefore, I request that this inquiry be removed from my credit report. 

In accordance with the FCRA, I request that you investigate and remove the aforementioned negative items from my credit report. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I dont know the debt they are speaking about and it has been disputed numerous times on my credit report they continue to use scare tactics and now have started calling my employer from what I can see the debt is over 7 years old and they cant and wont provide any information. I am currently working with a company to resolve these types of issues and now they have started to contact my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-11
Company: EQUIFAX, 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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$580.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$640.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$790.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1900.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XX/XX/XXXX, XXXX 'XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
There are addresses on my credit report are outdated and I want the bureaus to remove it.

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