BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-24
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On or about XX/XX/2020 my accounts with Chase Bank was frozen. I have six accounts at Chase which one of the accounts is a custodial account. I awaited to hear from Chase whether it be by mail, email or phone to no avail I did not receive any sort of commuication from Chase regarding the hold on my account. On XX/XX/2020 I contacted my private client representative and left a message for XXXX last name unknown. On XX/XX/XXXX XXXX contacted me I explained to her that my account was frozen and have not been given any reason as to why it was on hold. XXXX advise she will look and investigate the matter further as she was not able to see any notes on my file as to why the accounts were being held. 
On or about XX/XX/2020 I made a visit at the branch located at XXXX XXXX, XX/XX/XXXX New York. XXXX attempted to contact the back office and was not provided any information as to why my account was on hold. XXXX and I contacted the back office again that day and still was not provided any information as to why my accounts were on hold. I requested to be transferred to the executive office, the executive office opened a ticket and advised they would look into this matter further. 
On or about XX/XX/2020 I received a call from a gentlemen XXXX XXXX or XXXX XXXX from the executive office acknowledging receipt of my call and was told they are working on looking into my account being held. On XX/XX/XXXX I received another call from the executive office and was told he was not able to do anything for me nor had any information as to why my accounts were on hold. 
Here we are XX/XX/2020 I have not heard anything from Chase at the very least a letter or anything. If in fact a lien was placed on my bank accounts, I do have the right to contest its validity. Furthermore Custodial accounts that are true custodial accounts can not be levied for debts of the custodian. I am requesting a full investigation as to why my accounts are being held, I have no issue with Chase conducting their due diligence however, I do need some sort of resolution as to when this will be complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 The Company failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.

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 2020-12-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have previously attempted to make contact with XXXX which shows on my credit report as a negative and delinquent account. This loan was paid off by XXXX XXXX after the vehicle was deemed totaled and unsalvageable. The remaining balance left was covered by the Gap insurance that was purchased for the vehicle. This account was paid off in full and shows a delinquent status on my credit report. The current status of the account is not correct and is unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
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: Their investigation did not fix an error on your report

Complaint:
the three credit reporting companies have violated my rights under the FRCA rule for investigating, communicating results and method of verification making them in violation of reporting information that according to the FCRA must be verifiable with the original creditor and any investigation name date and method of verification should be forwarded to myself for further investigation if necessary. I have requested this be looked into three times that last was on XX/XX/2019 and supporting documentation was also sent with the same results

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 2021-06-11
Company: Experian Information Solutions 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:
I have attempted to dispute the inaccuracies such as balance and account number, and dates reporting on my credit file with XXXX XXXX, XXXX XXXX Experian, XXXX XXXX and XXXX. They have all failed to report accurate and complete information on my credit file after several disputes. I sent them a debt validation letter over 30 days ago with no response. Please help me investigate this matter, I am getting denied for a home loan because of this account and would like this matter resolved as soon as possible. I would like this account deleted while it is being properly investigated, as it has been approximately 90 days since the first and second dispute was submitted. They negligently and willfully violated the FCRA by failing to properly investigate the dispute or review the letters that were submitted. 

The case I have against them is that : The furnisher failed to conduct a proper investigation The furnisher failed to review all relevant information available and provided by me and the third party agencies and As a result I have suffered harm on my credit file and personal wellbeing. 

Thank you for your time.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number XXXX XXXX Account Name : XXXX  XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my consumer report. To this day over 60 days later has not been rectified. I feel like I am being take advantage of at this point being the original creditor and my disputes not being recognized by consumer laws. Section 611 ( a ), it is plainly stated that a failure to investigate these items within thirty days so they should be deleted promptly. I demand the referenced accounts be deleted from my consumer report immediately or I will file for litigation due to the stress that has been caused. My information has also been impacted by the major credit bureaus and may have gotten into the hands of the wrong person. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Mr. Cooper Group Inc.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Around XX/XX/2019, our Mortgage was sold to another Mortgage service bank. It was being serviced by Seterus, and now Mr. Cooper. There are three people on the existing loan -- myself, my mother, and my father. When we got documentation from the new Mortgage company ( Mr. Cooper ), we noticed only two people listed. We immediately contacted Mr. Cooper by phone and requested a correction to their documentation. They requested a Note from the previous loan, and stated they were still waiting for documentation from the previous Mortgage company ( Seterus ). In XX/XX/2019,  they sent an email stating we had to refinance our mortgage in order to add the third person ( myself ). We refinanced several times in the past ( approx. ten years ago ), and spent money doing so. We do not see any reason to go through this again, as it is not our mistake. We are not wealthy, and can not afford to correct their misinformation. I am writing this for any help in this unusual situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: TN
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Experian Total due XXXX Letter was sent but no response XXXXXXXX XXXX XXXX XXXX XXXX  was sent no response XXXX XXXX XXXX XXXX Letter was sent but no response I need clarification on why there are incorrect reported marks on my credit A collection is by default late and past due. Delete this account due to innacurate 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 explanation
Consumer complaint received 2023-07-07
Company: JPMORGAN CHASE & CO.
State: NY
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:
I believe a check was stolen, forged, signed and cashed by a XXXX XXXX even though it was made out to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX is not known to me or to XXXX XXXX XXXX who the check was made out to. Despite the very obvious signature flaws, this check was inappropriately cashed by the XXXX  XXXX XXXX. 

A check, issued a check from my Chase checking account in the amount of {$2900.00} that was returned to me as having been cashed. However I was informed by the payee XXXX XXXX XXXX XXXX XXXX that the check was never received. 

The returned check had an endorsement signature on it that clearly was mine. The name XXXX XXXX was handwritten on the front of the check above my name. 

I immediately called the Chase Bank who told me the check had been cashed. They added that they would investigate and that I should give the payee ( XXXX XXXX XXXX ) some time to see if it turns up. 

On XX/XX/2023 I went into Chase to speak directly to a manager who gave me the appropriate forms to fill out and send ( Declaration of unauthorized endorsement or altered item ). 

On XX/XX/2023 I received a letter from Chase stating that bank that accepted my check was responsible for repayment but that they would make an attempt to recover my lost funds that may take 90 days or more to resolve. 

On XX/XX/2023 I received a letter from Chase saying that they hadnt received a response from the depositing bank and that that bank was responsible for the claim. They added that if they hadnt heard from the depositing bank in 90 days from my claim submission, they will close the claim and my funds will not be recovered. I wasnt given the name of the depositing bank. 

On XX/XX/2023 I returned to the Chase bank and spoke to the manager who initially helped me. He called an internal number and found out that : h the depositing bank was XXXX XXXX XXXX ; that Chase made one attempt to contact them with no return response, and a recent second attempt on XX/XX/2023. They suggested that I contact your government office of consumer finance, hence this application. 

HELPFUL INFORMATION Chase Declaration of Unauthorized Endorsement reference number : # XXXX Chase contact number : XXXX Original check : chech no. XXXX, check date XXXX/XXXX/XXXX, amount {$2900.00}, payable to XXXX XXXX XXXX XXXX XXXX. 
Check cashed at XXXX XXXXXXXX XXXX ( I do not know the address ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: EQUIFAX, INC.
State: OH
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 several account on my credit report that I have never done business with these companies. I have filed a police report and a CFPB Complaint as well yet the negative fraudulent accounts still appear on my credit file. Please delete / remove the following accounts 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 2023-07-07
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XXXX was offered via my account three options to get caught up on my account. It was in the negative because my daughter used my card while I was on medical leave. I chose the one where you make four bigger payments with no interest. With that, I would have money available to use and my account would be out the negative. After the four months then the interest and regular payments would start. I was charged XXXX XXXX plus dollars in interest per month. The bigger payments did not affect my account in a positive way. It is still in the balance is still in the negative. I was mislead. When speaking to customer service they stated it was nothing they could do! It states it was third party but the offer was offered in my account. When I logon to check my account and pay the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
BMO recently acquired Bank of the West ; during this process, all the money transfer methods ( XXXX, XXXX, bank to bank transfer ) are blocked, thus, the bank can not accept any type of incoming money to the account. 
This is a huge problem as I have multiple funds that can not be credited into my account unless its a check or cash????? ( Which is another issue as no one uses check anymore and none of my client pay in cash ). Their physical banking locations are not near me, and the ones that are ( over one hour away ), the bank operation hours are very limited. 
How can a bank REFUSE customers to make deposits? I have over two months of income ( ~ {$15000.00} ) that the BMO have turned away, and with all the bills on autopay, I am about to go into overdraft! 
I have contacted BMO online and on phone regarding this problem, and have verified my identity multiple times to lift the hold. Every time I call, they said it will take 3-4 business days to clear, yet its been almost 2 months, and my account is still on " hold ''. 
Furthermore, BMO is making money from the customers by purposing not fixing the glitch. 
In the two months of me contacting them, BOM had not made any effort to correct this issue or provide update or solution to this. It is clear the system is having glitch and at the same time collecting fees from their inadequate system glitch. 
I would close my account with them, but I cant even verify that I am the owner of the account.

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 2023-07-08
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Back in XX/XX/2023 I tried depositing {$1300.00} into the ATM after work because the bank was closed. I forgot to grab my debit card and the next morning I got my card back, but no money got deposited. The bank said that their ATM didn't have an outstanding balance. They said they would put a ticket in for the cameras and that never got checked. Now they have closed my account with a negative balance and I can't open a new account anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: EQUIFAX, INC.
State: MA
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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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