BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-10
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Dear CFPB, I am a small business owner. I accepted XXXX payments from my customers on XX/XX/2023 through my Chase app ( XXXXt/WePay ). Wepay is Chase ' payment processor. One for {$260.00} and another one for {$530.00}. I got an email that my funds are on hold and that I need to send them documents regarding my business in XXXX days or my payments will be cancelled.They asked for an invoice, any IRS documents, EIN and bank statements. After sending the documents, I received an email from WePay by J.P Morgan that my account has been closed for no reason. 

On XXXX the XXXX, I went to a chase bank to see why they closed my account and why am I not receiving my money. The banker called WepayXXXX to ask why my account was closed. XXXX said you have to send an email to XXXX to ask them to reopen your account. I did send that email. Got back a reply that the appeal is denied and they are not able to offer me a solution at this time and that the funds will be held for 120 days. I am a small business and withholding payment puts my business and cashflow in a difficult position. 

Next day, XX/XX/XXXX, I went to another chase branch hoping someone will help this time. Same exact scenario and they said we can not help and the funds will be on hold for 120 days. They didn't provide any valid reasons and said they will no longer process my payment because of proprietary reasons and that they are unable to share exact details. The manager of the branch couldn't help and said this is out of his hands and he will escalate this issue. I reached out to my customers to confirm that their card was charged and they confirmed. 

Today is XXXX the XXXX and I still haven't received my money. I am supposed to receive a total of {$790.00} I would appreciate your help in getting my money back. Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: CT
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 explanation
Consumer complaint received 2022-11-01
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:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: MO
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: EQUIFAX, INC.
State: OK
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:
Dear XXXX  XXXX, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 4861681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me. Pursuant to 15 us 1681 ( a ) ( 1 ). Pursuant to 15 us, 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 486 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, XXXX XXXX, and XXXX. I have been unable to get a job because of you assuming this role. Pursuant to 15 u8, 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with ; me the consumer., You have no proof that this transaction even took place, You were also impartial because you allowed information to be reported while only hearing one side of the story You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. Pursuant to 15 us 1681 ( a ) ( b ) You did not meet the needs of commerce because this was notFair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This transaction If it even took place should've been confidential so you in fact betrayed my confidence, You are in violation of 15 43c 1681a ( d ) ( 2 ) ( A ) 0 ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that sly took place between me and the person who allegedly made this report. So pursuant to 15 us 1681a ( d ) ( 2 ) A ) ( I ) it should be excluded from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2021-12-01
Company: AMERICAN EXPRESS COMPANY
State: DC
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:
On XXXX XXXX, 2021, I purchase on Amex Travel using my Amex credit card an airline ticket for {$98.00}. Due to reasons associated with the pandemic, I was unable to travel so I decided to call Amex Travel and cancel this flight. Amex Travel said that they will give me a credit of {$98.00} to use for another ticket with XXXX XXXX. However, yesterday when calling Amex Travel to use this credit, they are telling me they can only find a divided credit, XXXX for {$51.00} and another for {$46.00} and that I can only use XXXX at a time to book a new ticket. Therefore, if I want to use the full {$98.00} that I paid for on my credit card, now I have to buy with Amex Travel XXXX airline tickets, which is a total scam that I never agreed to. 

I never paid for XXXX tickets, I was only charged {$98.00} on my Amex credit card, in this sense, I am requesting the use of the full {$98.00} credit to buy a new ticket, however, this has been denied repeatedly by Amex Travel even after speaking with a supervisor. 
I tried contacting Amex credit card to initiate a dispute since the service is not been provided as described and not what was agreed upon, that I will have a future credit of {$98.00} to use to buy a new ticket, however Amex credit card refused to open a dispute on the basis that since it was the same company I can't open a dispute with them but I could only speak with Amex Travel agents, I told them I already talk with their agents which keep on refusing to honor the full {$98.00} credit. 

This has left me with a charge of {$98.00} for a flight I never took, and which I will never be able to use as a credit unless I am pressured to accept Amex Travel policy scam, of using partial credit, or buying XXXX tickets, which I never agreed to since I was charged a full {$98.00}. On the other hand, I can't dispute the charge with my credit card just because they are the same company, so I am being forced to accept what was never agreed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: WA
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 Account # XXXX, Account # XXXX, Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: CITIBANK, N.A.
State: TX
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:
I previously disputed an erroneous charge from XXXX XXXX on Date XX/XX/XXXX {$1000.00}. I provided documentation from the merchant stating they would correct these massive billing errors made by mistake. Citi failed to provide documentation from the merchant and only sent letters stating the following : We previously credited your account for this charge. The merchant will not honor our request for credit based on the information you provided us. 
Every effort has been made to secure credit for your account. Since we are unable to obtain compensation from the merchant, your account has been rebilled. 
This is not the process outlined in the XXXX dispute resolution guide. Especially since I provided ample documentation from the merchant including one of their vice presidents apologizing for the error. Yet, no valid reason for the charge was provided by CITI, nor were any merchant responses. CITI claims they provided a merchant response at one point, but that letter does not show up in the center of my document as I am set up for paperless documents. I notified CITI of the errors in not receiving documents, provided screenshots showing the documents in my account as they stated. Citi in turn opened up a trouble ticket and letters began to start being available from that moment forward. To date, I still have yet to receive any other documentation from CITI regarding this charge, with the exception of a letter dated XX/XX/XXXX, which was a debit/credit audit that states the details of the audit are attached. However, there is no attachment. 
The letter further makes the claim that from the XX/XX/XXXX statement through XX/XX/XXXX statement my card was only billed {$480.00}. This is a clear error as the running ledger for this period shows total charges of {$16000.00} and total credits of {$4800.00}, with a total billed amount of {$12000.00}. This represents an overbilling of {$11000.00} from this merchant based off the results of the audit CITI claims.

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 2020-07-22
Company: EQUIFAX, INC.
State: PA
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:
EQUIFAX FAILED TO INVESTIGAGE MY DISPUTES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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 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 accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2019-12-23
Company: Mid-America Accounts Control Bureau, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I first walked into XXXX XXXX  in XX/XX/2019, I told him I am XXXX and could not afford to run up a big bill. I also told him the insurance I had and showed him my card, which he copied. He assured me that my insurance would cover everything and that I should not worry. XXXX XXXX himself told me these things. My step-daughter was with me and she too saw him that day and witnessed the entire conversation. 

After our discussion he did his initial evaluation, then did an XXXX and several other procedures. These included a tens unit on my XXXX, heat and a compression device. 

At NO time did he tell me that these procedures were above and beyond the initial XXXX and that they would cost more money. I was unaware that he was intentionally running up a large bill that he could bill my insurance. 

When my insurance did not pay ( after he assured me it would ), he then came after me to pay a bill that I specifically told him I could not pay. I did not give permission for him to do all the extra procedures that he did. 

I have explained this in writing to his office and to his collection company. To date, I have received absolutely NO response from his office or the collection agency. 

I feel this is overtly fraud by his office. They KNEW I couldn't afford this yet continued to do procedures without my permission to run up the bill. I believe he did so because he thought he would bill the insurance. 

Additionally he put my step-daughter into a XXXX XXXX at his expense because he felt he could help her. She is XXXX XXXX. On our second visit, he became upset and told his son to " get her out of there NOW. '' His son obeyed and immediately got her out of the XXXX. On our way home, she got ill. This resulted in a visit to the emergency room for the XXXX. This is a condition in which they bring someone to normal pressure after being at a deep dive sea level pressure. It took her a week to recover from this incident. 

I believe that it directly relates this billing and collection because XXXX XXXX got angry that I was looking at his books in the hallway while waiting for the restroom. He became furious and made a loud scene about it. The people in the waiting room and other procedure rooms could all hear him yelling at me to " GET OUT. '' I told him I was not leaving without my daughter, which led to the removal from the XXXX 

This behavior was unprofessional and unprovoked. Again, I believe his anger at me is fueling this billing and collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Experian Information Solutions 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 am a victim of identity theft and was reviewing my credit report this fall to check for accuracy. On XX/XX/XXXX and XX/XX/XXXX I was denied an attempted to dispute an address on my credit report because two debts that are not mine is reporting to this unknown address.

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