BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
Company: JPMORGAN CHASE & CO.
State: CA
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:
Chase bank will not cash my savings bonds and deposit the funds into my existing checking account. They told me my {$1000.00} Bonds exceeded their NEW policy of not redeeming more then {$250.00}. In XX/XX/2022 I had no problem. I've been with Chase since they were Washington Mutual. I have sizable amount in my checking account, and I am ANGRY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Foris DAX, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
A girl online approached me and asked me to invest in XXXX XXXX so i did. 
I used XXXX and crypto.com and the funds transferred to a scam platform called XXXX. 
After a while i was able to withdraw some funds but i lost most of my money. I was not using a stop loss. 
Then she manipulated me into investing some more and i did but then i wanted to withdraw my funds but they accused me of money laundering. Scared me into thinking i had to pay a penalty of 9 %, XXXX XXXX dollars. 
The money was transferred from my wallet XXXX to XXXX utilizing crypto.com services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$48000.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXX. XXXX Balance : {$9900.00} XXXX XXXX XXXX Balance : {$2900.00}

Company response to consumer: In progress
Consumer complaint received 2018-07-23
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with DISCOVER FIN SVCS LLC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DISCOVER FIN SVCS LLC with no successful resolution. XXXX, XXXX  and XXXX   were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-20
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-21
Company: Incomm Holdings Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a {$100.00} Vanilla gift card on XX/XX/23 for as a bday gift. After I tried to activate it and couldnt, I emailed photos of the receipt ( thankfully I was able to obtain it ) my license and the card itself, as requested. I was given a claim id #. Well its been almost 3 months since my birthday and I still havent received my money. The last straw was today. I was told by the rep XXXX XXXX, who always answers. Which thats a whole other conversation ) that nothing has been updated. Try back in a few days. 1st call I made I was told call back in 30 days. Then it was 5 days. And today, it was a few days. Obviously. I feel like this is no ones concern but mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 Account # 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 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 2022-05-24
Company: DISCOVER BANK
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 have two inquiries on my credit that is not something i did someone is using my information. One of the inquiries is from XXXX XXXX XXXX  and the other is from Discover Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2019 reporting of late payment.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
unauthorized inquiries XXXX XXXX XX/XX/2022, XXXX XXXX  0XX/XX/2022, XXXX XX/XX/2022XXXX XXXX XXXX XXXX XXXXXX/XX/2022, XXXX XX/XX/2022, and XXXX XX/XX/2022

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 2022-05-24
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Ive had multiple new account inquiries trying to open a credit line : XXXX XXXX AMEX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 American Express I did not inquire about anyone looking into my credit nor apply for any credit card recently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
This account was opened XXXX XXXX 2007 and was in my spouses name. I was never on this account to my knowledge. Now it shows opened and a balance of XXXX dollars. This also only shows on equifax and nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, My name is XXXX XXXX. On XX/XX/XXXX I filed a dispute with my bank at the time which was capital one, I had a 360 checking account the dispute was related to an unknown XXXX transaction that I had been trying to get back since XX/XX/XXXX ... the bank placed an hold on my account & sent an email stating for me to contact them, when I received the email on XX/XX/XXXX @ XXXX XXXX  I immediately called them at the number listed XXXX, when contacting them I got in touch with a representative who asked me about the dispute, which I had canceled once the person sent back the funds, so capital one never issued me any money from this dispute. I then explained the events that occurred & after explaining the representative stated that my account would be closed & I will receive a check with the remainder of my funds, this was Tuesday XX/XX/XXXX. On Wednesday I called again XX/XX/XXXX to see if the check had be sent, I then got transferred & the line got disconnected. On Friday XX/XX/XXXX I called at about XXXX XXXX  disconnected twice before actually being transferred, to someone who stated that the account is not closed yet, there has to be an overview to make sure all claims are closed, the agent then checked & stated there are no open claims and he would note for the account to be closed possibly by Monday, I then asked is there a way I can transfer the money to my new checking account he stated no I would have to wait until the check is mailed out ... I then became upset stating that I only have a {$500.00} credit card and my bills will become due within a couple of days and I have no other funds to pay with, & that they didnt care because it isnt their self in this situation .... CSR customer service representative then said he would try to expedite the issue. On Friday my paycheck was also deposited into this 360 Capital one checking account ; literally leaving me with XXXX $ on my credit card that I now how to make stretch and hoping the account doesnt closed due to not being able to make payments until this account is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: CAINE & WEINER COMPANY, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked for verification of debt and it has not been provided. Making sure this is not represented to my credit profile. 
See attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 writing to file a formal complaint regarding fraudulent items associated with my account or the activities of your company/organization. I believe these items are fraudulent, and I request their immediate removal and resolution. 

Set a reasonable deadline for the recipient to resolve the issue. This will depend on the urgency of the situation, but typically, allowing a few weeks for a response is reasonable. ] I trust that Credit Bureaus takes this matter seriously and will conduct a thorough investigation into the fraudulent items in question. I expect a prompt and diligent response, and I reserve the right to take further legal action if the issue remains unresolved. I am asking for your immediate assistance to remove the items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2017-11-27
Company: EQUIFAX, INC.
State: NJ
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:
on XXXX/XXXX/XXXX i sent a letter and fax to Equifax disputing a tax lien that appeared on my credit report. I stated that this report is not reporting accurately and that i wanted a proper investigation or to simply remove the account. Under the Fair Credit Reporting Act, the credit bureau must do a proper investigation by contacting the furnisher and get the correct data and report accurately. This was not done at all. the item in question which i am requesting to be removed is below. 

XXXX County Special Civil Co Case or ID # XXXX Equifax responded on XXXX/XXXX/XXXX and failed to do a reasonable investigation on this tax lien which is showing up as a public record. Equifax did n't even bother to contact the court clerk to verify anything. Instead Equifax sent me a incorrect response and resolution to my dispute which clearly violates my rights under the FCRA. I am requesting that Equifax do the right thing and remove this inaccurate trade line off my credit report. 

Equifax Confirmation # is XXXX i have attached my letter sent to equifax and their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: AmeriHome Mortgage Company, LLC
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Amerihome mortgage. We bought our home in XXXX of XXXX. We have made every payment online since then every month to Amerihome through our online account with them. On about XXXX i received a phone call from their debt collection department asking how we can bring our mortgage current as they have not received one payment. I asked how that can be because I have made every payment online and had never received a phone call a letter nor an email that we have ever even missed a payment. Told the representative that i can gather my bank statements and would send those to them. That was the day before XXXX so they were closed until after the holiday weekend. I called first thing the next week spoke to a gentlemen received an address of where to mail which was Amerhome Mortgage XXXX XXXX XXXX XXXX XXXX Tx XXXX and an email account where i mailed my bank statemts as well as emailed and he said allow about a week and to check back. About a week and half later i received my bank statements back from the mailing address with a sticky note from XXXX XXXX XXXX. attorney that said please send this to your lender that they could not find my account. I immediately called them back said thye had no idea what that was about and saw my emial with my bank statements and would work on finding where my payments had been applied. I have had several phone calls with them each one not finding where any of my payments are. During this back and forth it has now been sent to their attorneys XXXX XXXX XXXX and i have called and left messages and sent a message via their website and no response. Have talked to Amerihome customer service and all they say is they can see the notes but I need to talk to XXXX XXXX XXXX but XXXX XXXX XXXX doesnt answer phone or return calls. Now I am in foreclosure when I have never missed one month of payments. At this point I do not know what to do. I will attach my bank statemnts showing every payment I have made through XX/XX/XXXX. XXXX payment XXXX was also made online and XXXX was made on phone with them and they can not even find that payment. Thank you any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My credit report with TransUnion has information that do not belong to me & things that I have never applied for listed on my credit report. I let them know this was an issue previously but they did nothing to fix it. I have given them an identity theft report as well as a police report about the accounts from XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX, and a few accounts listed with Dept of EducationXXXX account numbers start with 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 2019-06-26
Company: M&T BANK CORPORATION
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We updated our mortgage auto payment online and received a letter from the mortgage company in the mail showing our names, address, routing number, account type, and FULL checking account number. All of the information was prominently displayed. No asterisks or hidden symbols to cover any information. I called the company and the mortgage representative said if Im concerned about my mail being stolen that I should purchase a {$15.00} lock box. I spoke to his supervisor and she said that it was a common business practice to display all of the account information for verification purposes. As someone who knows people affected by identity theft, I was appalled.

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 2020-02-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LIKE THEM TO BE REMOVED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: SYNCHRONY FINANCIAL
State: VT
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 noticed my credit score had dropped as I was looking into it its stating that I had a delinquent payment for JCPenneys. I do not have a JCPenney Credit Card, I have not purchased anything from JCPenneys in over 3 years. I have not received any mail or email from JCPenneys. There is so much fraud happening know and telemarketing going on it would be hard to say if they have been calling. I called the credit card company when I saw it had affected 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 non-monetary relief
Consumer complaint received 2023-05-30
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing this complaint in response to Target letter dated XX/XX/2023. Which Ive included a copy of the letter, Consumer Financial Protection Bureau, case number XXXX. 

I find it perplexing that Target would even consider honoring a refund request for a debt agreement that has already been executed. It is evident that the debt was paid in full according to the terms of the agreement. Therefore, it raises serious concerns as to why Target would allege to have entertained such a request without proper justification. 

As a responsible consumer, I understand that the concept of a refund is typically associated with situations where a payment has been made in error or for goods and services that have not been provided. 

However, in the case of a collections debt agreement, where the payment has been fulfilled and executed according to the agreed terms, it is unreasonable to expect a refund. 

Moreover, the refund check remains uncashed. This is because Target already possesses the full amount of {$520.00}, as per the executed collections debt agreement. 

I kindly request that your office conduct a thorough investigation into this matter and ensure that Target XXXX provides a detailed explanation for their decision to entertain a refund request on an executed debt agreement. 

It is crucial for businesses like Target to maintain transparency, uphold the integrity of their operations, and provide satisfactory resolutions to their customers. 

I appreciate your attention to this matter and request that you take appropriate action to address this complaint against Target XXXX. I have enclosed copies of relevant documentation. 

Please feel free to contact me if you require any further information or clarification. 
Thank you for your time and assistance in resolving this complaint. I look forward to a prompt and favorable resolution to this matter. 

Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation