BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XX/XX/2022 XX/XX/2022 XX/XX/2022 I disputed my XXXX XXXXXXXX account on XXXX separate occasions for incorrectly reporting my account as delinquent to Transunion. It's showing that I'm delinquent for the months of XXXX, XXXX, and XXXX of 2022. The account payment is auto-debited from my checking account bi-weekly. When I disputed the account previously with the credit bureau, it was corrected. XXXX XXXX XXXX XXXX XXXX doesn't show my account as delinquent in their records. Transunion states that they can see when the inaccurate data was corrected previously, but it is up to me to continue to dispute the inaccuracies or send a letter from XXXX XXXX XXXXhowing I'm current. I don't think that I should have to do this monthly. Either XXXX XXXXXXXX is committing fraud or Transunion is not requiring XXXX XXXXXXXX to show proof of delinquency. Further, XXXX and XXXX show the account as currebt, never late. XXXX XXXXXXXX is a predatory lender. It is my belief that they are trying to prevent me from refinancing the loan to a different company with better terms and interest rates. When I inquired about refinancing previously, I was told that they only allow refinancing to borrow more money, not lower the interest rate. This company needs to be investigated for their predatory practices.

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 2022-12-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I mailed the check, in the amount of {$2100.00}, and addressed to the payee XXXX XXXX, at a USPS mailbox on XX/XX/2022 ( check number XXXX ). It was cashed on XX/XX/2022. This check was for rent, and I assumed my landlord cashed it. My landlord called me on XX/XX/2022, to tell me the check never arrived at her house. I went to see the check transaction on my Chase account and saw that someone I don't know, whose name is different from the payee, signed the back of it. The check was stolen and cashed by this person. 

I called Chase and was directed to complete a Declaration of Unauthorized Endorsement or Altered Item form. Even though my landlord mailed the form in on XX/XX/2022, Chase never received it. My partner and I, therefore, went to a Chase branch on XX/XX/2022, to submit the form in person. They accepted the claim but said that the other bank ( I believe, XXXX XXXX  ), where the stolen check was cashed, is responsible for payment. Chase followed up on XX/XX/2022, with the other bank. The other bank has not responded as of XX/XX/2022. I have included all the documentation of this claim : the Declaration of Unauthorized Endorsement or Altered Item form with the image of the stolen check with the thief 's signature. 

As can be seen on the check image, the routing number of the receiving bank of my stolen funds is XXXX. The account number where the stolen funds were deposited seems to be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2023-02-14
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
COMPLAINT ABOUT XXXX XXXXSURVEY XX/XX/ The first rep I spoke to said he could not hear me. So I spoke up. He said he still could not hear me, so I ended up yelling. He then said he could hear me. After a bit of time, he had the gall to tell me to stop yelling. I WAS YELLING BECAUSE HE COULD NOT HEAR ME. Ended up hanging up on me. 
I do resent the fact that I spent over 90minutes of my time and still did not get my issue resolved. I DO NOT EVER WANT TO DO BUSINESS AGAIN DUE TO THE XXXX  WAY XXXX XXXX DOES THINGS. 
Know what each can do. I sent a chat to the store to find out my balance. I was told they could not help me and gave me an invalid comenity bank website. I tried and tried and tried and tried to get into the bank site. I finally got in after what seemed like forever. After the second rep gave me 2 emails with the correct site link. After what seemed like forever, the second rep finally told me that he could not help me and was on the phone with the store. The store that said they could not help me. He finally got back to me saying there is a whopping {$.00} on a gift card. The major problem with that is that no one can tell me where it is. IT IS A SERIOUS SHAME THAT XXXX XXXX DOES NOT CARE ABOUT THE CUSTOMERS TIME. 
I had contacted the Consumer Financial Protection Bureau regarding another issue with this XXXX  customer service. They were told that a credit of {$32.00} had been applied to my account. When I asked the second rep, he could not locate that credit. 
I will be contacting the consumer financial protection bureau again about this. MAYBE XXXX XXXX  WILL NOT WAIT 6+WEEKS BEFORE REPLYING TO THIS COMPLAINT LIKE THEY DID THE FIRST ONE.

Thank you for taking the time to complete this survey.

Your opinion is very important to us, and we truly value your feedback. 
LIAR, LIAR, LIAR

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-17
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I called to check on what happened with my Checking account at Chase bank because the account did not look right and the representative told me the account was being restricted because of the hold on my check deposit and the check was returned and now I was told the account was closed without my my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 a XXXX XXXX credit card XXXX which was CLOSED BY CONSUMER in XX/XX/2022 pursuant to my phone call made to XXXX. XXXX has willfully violated the FCRA by failing to promptly report the account as CLOSED BY CONSUMER on my credit reports. My credit reports for XXXX, XXXX and TransUnion still inaccurately list my account as OPEN. Even though I have a perfect payment history ascribed have never been late, I demand statutory damages of {$1000.00} for willful violations of the FCRA for failing to timely report my account to any CRA as CLOSED BY CONSUMER as required. I therefore DISPUTE any stale balance which is now {$0.00} after providing a credit of {$1000.00} for statutory damages. Therefore, I demand that my credit reports contained the required caption of Account DISPUTED BY CONSUMER and that the closed and disputed captions remain permanently on my credit reports even if XXXX disagrees so that additional willful violations can be avoided.

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 2022-10-26
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:
Despite my better effort all three credit bureaus have done what theyve always done which is barely look at an account that has zero to do with me and after filing two consecutive FTC and CPFB complaint XXXX continues to claim that I have an account with XXXX that I never have had. There investigation proved and asked nothing. This is a suprise to no one since they are the largest financial contributor to these companies must maintain a " reasonable procedure '' to respond to identity theft notices by a CRA, and refrain from reporting information about an account that you previously reported was the result of identity theft. ( 15 U.S.C. 1681s-2

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 2021-01-23
Company: Bread Financial Holdings, Inc.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
25+ calls from various numbers attempting to collect a debt that is under dispute as unauthorized account and transactions anyway. 
XXXX XXXX XXXX Comenity bank XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: MORGAN STANLEY & CO. LLC
State: VT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX {$90000.00} was transferred from my XXXX XXXX XXXX  account to an E-Trade savings account. They froze my account after taking the XXXX in funds plus another XXXX in a brokerage account. I called and eventually got it unfrozen. After I got my account unlocked after lengthy calls with customer service they reopened it. Once it was reopened i was so frustrated with how long I was locked out of my account. When I got back in the first thing I did was send the funds to my XXXX account. E-trade sent the funds to my XXXX  account on XX/XX/XXXX and on XX/XX/XXXX took the funds back out of my XXXX  account and permanently put a hold on my money. They won't unlock my account and have given me no recourse to receive my funds which are stuck in limbo even though I have supplied them with pictures of XXXX  card, Passport, drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$380.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
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: Their investigation did not fix an error on your report

Complaint:
The company informed me directly that the payments for XXXX and XXXX were not late. I've spoken with them on two separate occasions and been advised this.

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 2022-12-08
Company: EQUIFAX, 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 sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX : {$5900.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$5400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: NY
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:
In XXXX of XXXX, I noticed several indicators of identify theft and errors on my credit report. I began the freezing process and contacted all Bureaus to resolve the errors. Most have been cleared up within the week of reporting. However, there is one hard inquiry that remains on my Equifax report for XXXX XXXX Bank. When I dispute it with Equifax, they find it " true and will not remove it. '' When I contact XXXX XXXX Bank, they told me this was fraud and not me and that they sent a letter to Equifax to remove this inquiry. This still has not been removed from my report. Equifax will not do a through investigation to have accurate reports, I do not trust them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
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: Investigation took more than 30 days

Complaint:
XXXX  XXXX XXXX reported me 30 days late back on XX/XX/XXXX right after we all here in XXXX Florida went through Hurricane Irma and was trying to rebuild after not having power and communications. Florida was deemed a federal disaster zone and all banks, creditors and financial institutions were giving 90 day grace periods to their customers to help them through that tough time. When I found out that XXXX XXXX XXXX reported me late, I called them and they didn't care and told me they don't have to honor the 90 day federal disaster zone payment grace period. I feel that XXXX XXXX XXXX doesn't care about their customers and they have destroyed my credit score over 1 late payment during a Hurricane disaster period. They show no concern or mercy for their customers. I would like them to make a 1 time exemption and set aside the 30 day late reporting to the credit bureau due to the natural disaster. I am in the process of trying to buy a house and their negative report is affecting me from getting approved. If they set aside the late reporting is will greatly help my credit score and help me get the house. I will be homeless as of XX/XX/XXXX. 

XXXX XXXX XXXX  car loan XX/XX/XXXX XXXX XXXX acct # XXXX I have attached the statements after the hurricane showing me falling behind due to the due hurricane disaster. I have also included a Hurricane Irma disaster report showing the devastation and aftermath of the storm on my area. I am also a XXXX police officer and was pulled in multiple directions with disaster relief and support and I worked crazy hours after the storm.

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 2023-02-10
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x Violations of these statutes require compensation to you for the damages suffered, plus an additional amount up to {$1000.00} per violation, plus punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future. 

In accordance with the fair credit reporting act 15 U.S.C and fair debt collection practice act 15 U.S.C. 1692 XXXX  XXXX {$420.00}, XXXX XXXX/ AND XXXX, XXXX XXXX {$250.00} Has violated my rights and 602A states I have a right to privacy.

15 U.S.C. 1681 604A State credit reporting agencies bureaus or companies can not furnish my report without my written consent or instructions or furnish my accounts or report without my knowledge.

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 2018-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Investigation took more than 30 days

Complaint:
Bank of America reported me 30 days late back on XX/XX/XXXX right after we all here in XXXX Florida went through Hurricane Irma and was trying to rebuild after not having power and communications. Florida was deemed a federal disaster zone and all banks, creditors and financial institutions were giving 90 day grace periods to their customers to help them through that tough time. When I found out that Bank of America reported me late, I called them and they didn't care and told me they don't have to honor the 90 day federal disaster zone payment grace period. I feel that Bank of America doesn't care about their customers and they have destroyed my credit score over 1 late payment during a Hurricane disaster period. They show no concern or mercy for their customers. I would like them to make a 1 time exemption and set aside the 30 day late reporting to the credit bureau due to the natural disaster. I am in the process of trying to buy a house and their negative report is affecting me from getting approved. If they set aside the late reporting is will greatly help my credit score and help me get the house. I will be homeless as of XX/XX/XXXX. 

Bank of America car loan XX/XX/XXXX XXXX XXXX acct # XXXX I have attached the statements after the hurricane showing me falling behind due to the due hurricane disaster. I have also included a Hurricane Irma disaster report showing the devastation and aftermath of the storm on my area. I am also a XXXX XXXX XXXX and was pulled in multiple directions with disaster relief and support and I worked crazy hours after the storm.

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 2020-11-04
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened a cash app account via online app. Every time I log on I get an error notice on the page and Im unable to do anything further on the app. Some times I can see my balance and when I do it has been different amounts ranging from $ 5- {$11.00}. In the month of XX/XX/2020 I received two small deposits from my niece. One was for {$11.00} and the other was for {$7.00}. I never received a notification that she sent them as I have experienced with my last deposit made into my account from my daughter on XX/XX/2020 for {$100.00}. I received a text notification for my daughters deposit. My account however, has not reflected the added {$100.00} deposit. I tried to contact Cash App through the app but as I stated before I could never navigate the app due to the error screen that always popped up so I found Consumer Finance to submit a complaint since there is no other means of interaction for Cash App. I also submitted a complaint with another online website who I believe was a scam so I didnt further initiate contact with them because I was uncomfortable with the questions being asked. I have a card for the Cash App account that I have had constant log in issues with as well but have never used it. I have since made a new Cash App account and I wish to close the other account and receive all funds attached to the old account. I would like to be reimbursed by paper check in the amount of {$110.00}. That is the balance I am supposed to have in the account. Once that account has been close and deleted I would like documented proof to have for my records of this.

Company response to consumer: Closed with explanation