BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase closed my personal checking account and credit cards without prior notice in XX/XX/2023 and froze my assets for approximately a month. When Chase finally released my funds back to me Chase withheld {$19000.00} saying a certain XXXX deposit into my account from a third party LLC ( the " third party '' or the " Originator '' ), which I received regular quarterly distributions from for the past three years, did not belong to me due to the Receiver Name on the ACH not matching my name on the checking account. The XXXX of the XXXX made an error titling the Receiver Name which should have been for myself personally. 

Chase ( compliance department ) said due to my account being suspended/closed the Originator of the ACH would need to request an ACH reversal through their bank ( XXXX XXXX Bank ) to get the funds back from Chase. The Originator requested an XXXX reversal for the amount of the deposit mentioned above which Chase subsequently rejected. When I contacted Chase again to ask them what needs to be done to recall the funds from my account Chase said the third party 's bank would need to submit a letter to Chase outlining the deposit and request an XXXX reversal. The third party 's bank submitted two ( 2 ) letters to Chase requesting the funds be returned, both which we denied ( see attachment ). Alternatively, Chase has given me no solution or option to work with the third party and their bank to amend the Receiver Name on the original XXXX deposit into my account which would allow the funds to be released to me, the rightful owner. 

After multiple calls with Chase spanning multiple hours, Chase has lied and failed to provide me an answer how to release the funds that are still in my personal checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Several of the accounts were closed with good stating. Several was included with a bankruptcy yet its still showing as 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 2023-01-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX & XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2022-10-24
Company: Experian Information Solutions Inc.
State: GA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : 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
Consumer complaint received 2023-10-18
Company: JPMORGAN CHASE & CO.
State: OK
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/XXXX, I canceled my car insurance after a car accident that occurred on XX/XX/XXXX. Subsequently, Chase bank continued to charge my account for three months, with unauthorized transactions on XX/XX/02 ( {$70.00} ), XX/XX/02 ( {$70.00} ), and XX/XX/02 ( {$69.00} ), totaling {$200.00}. I opened three claims with Chase on XX/XX/XXXX, providing evidence such as a police report and text conversations with the insurance company, proving the cancellation. Despite this, Chase denied all claims on XX/XX/XXXX, stating that the transactions were " authorized. '' During the phone inquiry, Chase claims department agent indicated that my information " matched up '' with the transactions, leading to their denial. I believe this process is unreasonable and unacceptable. I am seeking assistance to resolve this issue and recover the wrongfully charged funds. Chase must acknowledge their error and take appropriate action to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: ENCORE CAPITAL GROUP 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: Information belongs to someone else

Complaint:
I have never opened a XXXX XXXX account in XXXX. Someone stole my information and opened the account without any of my knowledge. Midland Credit Management wants me to pay back something I never opened. My identity was stolen and I filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
MR. COOPER MORTGAGE COMPANY RECEIVED FUNDS FROM INDIANA HAF PROGRAM ON MY BEHALF STARTING IN XX/XX/2022 AND SHOULD HAVE APPLIED 8 TOTAL PAYMENTS TO MY ACCOUNT, THEY HAVE SAT ON THE PAYMENTS PUTTING THEM IN SUSPENSE FUNDS AND NOT APPLYING ALL PAYMENTS TO MY ACCOUNT IN A TIMELY MATTER. NOW MY ACCOUNT AND PAYMENTS APPEAR LATE AND THEY ARE STILL SITTING ON 2-4 PAYMENTS TO MY ACCOUNT. THEY REFUSE TO PROVIDE THE NECESSARY DOCUMENTATION TO THE HAF LENDER PROGRAM STATING THEY RECEIVED THE PAYMENTS. THEY SAT ON ONE PAYMENT FOR 2 MONTHS APPLIED IT XXXX RECEIVED IT XX/XX/XXXX FOR MY XXXX MONTHLY PAYMENT. I HAVE EMAILED, CALLED, TEXT, SENT MESSAGES AND HAVE NOT RECEIVED AN APPROPRIATE RESPONSE FROM THEIR RESEARCH AND RESOLUTION DEPARTMENT. CUSTOMER SERVICE REPRESENTATIVES CAN NOT HELP ME. THEY ARE PROVIDING ME UNNECESSARY STRESS IN THIS MATTER AS I AM ULTIMATELY RESPONSIBLE FOR PAYING FOR THE LOAN I RECEIVED FROM HAF. THEY ARE NOT APPLYING FUNDS ACCORDING TO THEIR AGREEMENT. **FURTHER DETAILED INFORMATION INCLUDING DATES, NAMES, CORRESPONDENCES ALL INCLUDED IN THE ATTACHED DOCUMENT***

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: CAINE & WEINER COMPANY, 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: Account information incorrect

Complaint:
On XX/XX/20, i submitted a correction to my credit report to all 3 credit bureaus online & in letter form. Both, XXXX XXXX XXXX have fixed problem. However, to my surprise XXXX refuses. They closed my case, and I have have to resubmit online again. They are reporting an account with a balance of XXXX $ from Caine & WieneXXXX, which is negatively affecting my credit report for the last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a a unverified account from CHOICE RECOVERY INC # XXXX, # XXXX, # XXXX. I had previously disputed this account. I have never done business with CHOICE RECOVERY INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I BELIEVE THIS IS A HIPPA ACT VIOLATION AS WELL. I request that XXXX   Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: HW Holding, Inc
State: SC
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:
Pulled personal credit reports due to trying to buy a house or even rent. Found hunter warfield on credit reports for {$5400.00}. Called to get online access to view what the account was for and first was told online wouldnt allow me to see the information about the debt and that only the lady on phone could assist with settlements or information. Then after resetting my intent and needs she gave me the account login and access code. I went online and there was no direct information In regards to the debt just options and o do settlement. Since my kids and myself are homeless I went ahead and look at what settlement offers available just to be able yo show potential lenders or landlords that I was working on it but the settlement offer was not reasonable so I called back. I got the same lady and explained the situation again, told her what I could afford to pay off immediately but she stated that wasnt enough and that the debt was going to court if not paid by XXXX XXXX. 

I then stated I dont even agree with the amount of the debt and she said that she would forward to internal disputes and someone would contact me yo get more info. This was XXXX XXXX. Ive received no letters by mail and no one has contacted by phone. This debt on my reports is causing my family to continue being homeless. I did record every phone call on video to ensure I was able to verify info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Dated : XX/XX/XXXX  BARCLAYS BANKDELAWARE XXXX XXXX XXXX XXXX XXXX, DE XXXX REQUEST FOR REMOVAL AS AUTHORIZED USER OF CREDIT CARD A/C TITLE BARCLAYS BANK DELAWARE , ACCOUNT NO. XXXX. 

Dear sir, I hope this letter finds you well. I am writing to formally request the removal of my status as an authorized user of the Credit Card of Account XXXX. XXXX titled as BARCLAYS BANKDELAWARE. 

After careful consideration and review of my financial circumstances, I have decided that it is in my best interest to discontinue my status as an authorized user on the aforementioned Credit Card. I greatly appreciate the opportunity that BARCLAYS BANK DELAWARE has provided me, and I am grateful for the positive experiences I have had as an authorized user. 

I understand that there may be necessary administrative processes to complete in order to remove me as an authorized user. I kindly request your assistance in initiating these procedures to ensure a smooth transition. 

I am committed to ensuring that this transition is carried out in a seamless manner and would be more than willing to cooperate with any requirements from your end. I recognize that there may be a timeframe required for this request to be processed and implemented, and I appreciate your understanding in this matter.

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 2022-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have capital one cards for years. Recently applied and received a savor card. After the annual fee and a few days of usage all my accounts were frozen. I provided proof of income with the application and card was subsequently approved. However after many years they now want me to send sensitive information despite having a relationship with me for years. And to top it all off they have restricted access to my rewards which have been earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am shocked and upset about the erroneous things I have seen in my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. Can you please clear this up as quickly as possible.

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 2022-08-26
Company: EQUIFAX, INC.
State: MS
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:
Evening, I'd like to inform you that I have submitted personal dispute letters regarding my credit reports that I recently obtained. I have received none stop high APR credit card offers in the mail & I do not think it is fair or legal to invade my privacy far as having this sort of information being reported inaccurately on my credit report. I sent in a letter asking the credit bureaus to investigate this issue & they sent me back a letter stating they needed more identification to prove I was really who I am, I sent in my Driver Licenses, SS Card, Proof Of Mail, and they wanted to make sure I wasn't a Credit Repair Organization? It is not illegal for me to obtain Credit Repair from an Organization according to the FCRA. The letter is provided below & I would like for this issue to be fixed asap as it is hindering me from obtaining credit during this Recession.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 Reorting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 USC 1681 section 602 A. states i have the right to privacy.

*15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

*15 USC 1681c ( a ) ( 5 ) section states : No consumer report 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 USC 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 non-monetary relief
Consumer complaint received 2022-04-20
Company: The Outsource Group, Inc
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My privacy pertaining to your medical history has been unlawfully accessed.which I have proof of.i also have been continuously contacted after notifying I can not afford to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: MI
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 follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Balance : {$0.00}, XXXXXXXXXXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX  XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: EQUIFAX, INC.
State: AR
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 was trying to cosign for my daughter a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are many items and collection accounts on my credit that need to be removed. These items are not mine. Please delete. 

XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$190.00} XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX  XXXX {$100.00} XXXX XXXX {$6300.00} XXXX XXXX   XXXX {$1000.00} XXXX/XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
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:
cra violationsent po report and idtheft govnot mine XXXX XXXX and equifax taking more than 30days

Company response to consumer: Closed with explanation