BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at XXXX I was in the middle of depositing a check at an atm. Near the end of the transaction the screen informed me that the funds would be available on XX/XX/XXXX. Thats a XXXX day hold. Immediately I pressed cancel on the keypad rather than continue on the screen. That did nothing to cancel the transaction. The screen had NO OTHER option other than continue. So I requested bank personnel to assist me. They came over to the atm, listened, and offered no way cancel the transaction other than to wait with me to see if me hitting the keypad cancel button would cancel the transaction. Without me touching continue the screen advanced and deposited my check. Bank personnel informed me they could do nothing. They said I should call the phone number on the bank of the atm card. I did. After XXXX minutes on hold I was informed that the service representative could not help me so she transferred me to a senior level customer service department. I was informed that it would be a XXXX minute wait. XXXX minutes. 

The bank is Chase. The branch address is XXXX XXXX XXXX XXXX, XXXX XXXX, IL The check amount is {$15000.00} The issuing institution is XXXX. 
The fund is the XXXX XXXX XXXX XXXX. 
The check writer is my father, XXXX XXXX. 

My complaint is that 1 ) I should have been given the choice to cancel my transaction after learning about the XXXX day hold 2 ) a XXXX day hold in this modern era is an entirely unreasonably long period of time. A long hold when the issuing institution is XXXX, or any other respected institution, is also uncalled for. I used to be a teller. I remember phoning institutions in order to verify funds availability. That was 35+ years ago. This issue is not new. We had a solution for it but it seems Chase can no longer serve its customers in this way. 
3 ) a 60+ minute hold time is unreasonable when I simply want my check back. 
4 ) I fully expect that Chase will refuse to return my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions Inc.
State: GA
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

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 2023-09-05
Company: Experian Information Solutions Inc.
State: NM
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.

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 explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: NC
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:
I was reviewing my credit report and seen there was a charge off from your company. 

ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX Please provide proof of : XXXX ) The Original Contract with my wet signature applied to it XXXX ) The Creditor Information ( Name, address, and phone number ) XXXX ) The Payment History and the itemized billing associated with the account XXXX ) Proof that you XXXX XXXX XXXXXXXX XXXX XXXX XXXX are authorized to collect the debt from me. 

If proof is not provided delete this inaccuracy from my credit report immediately.

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 2022-12-07
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: Account information incorrect

Complaint:
There is an account and an inquiry on my credit report that I don't recognize nor authorized : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have the FTC affidavits attached and I sent these to the company over a month ago and have heard nothing from them In accordance with the FCRA, I am now withdrawing my consent. I the consumer may have given you written, verbal & nonverbal consent. I'm now rescinding the 1974 Privacy Act and Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights & took criminal actions also by reporting, transaction history which is illegal as well under the 16 CFR 313.7.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: TD BANK US HOLDING COMPANY
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:
Hi I found out that an account has been opened in my name in TD BANK which I never opened, I found out about this account in XX/XX/2020, I had already filed an police report about this situation in XX/XX/2020 as well. I have disputed this account several times with the credit bureau ( XXXX ) but the account still remains on my credit report please help me. I had also gave the copy of my police report to the TD BANK branch near me but the account has still not been terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: MD
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:
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 Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As a consumer I believe I have the right to ask for verification from any person claiming that I owe an alleged debt. SUNRISE CREDIT SERVICES did not provide me any communication explaining that I could dispute this alleged obligation. It is unfair and deceptive to communicate with me indirectly and harm my reputation, defame my character, and extort me to pay an unverified debt. I never consented to have my non public personal information shared with any debt collector. Please please the consumer reporting agencies and other debt collectors that this is a disputed debt. Failure to do that is a direct violation of the FDCPA provisions. Please see attached.

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 2022-12-07
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and XXXX 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
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My Account with XXXX XXXX was resolved and settled. They keep reporting a balance on my credit, and they have also agreed to remove it. I have gone back and forth, disputing, and nothing has been done. The account is showing a balance of {$1300.00}.

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 2023-10-07
Company: Incomm Holdings Inc.
State: TX
Product: 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 purchased a Vanilla Gift Card yesterday ( XXXX ) for {$70.00} ( +the activation fee ) from XXXX ( XXXX # XXXX XXXX. I opened the card to use for payment and I noticed that some numbers were missing. The XXXX code is also missing. I thought I might just use it in store and swipe it, but the magnetic stripe is damaged with glue or some other substance. 

I have called the numbers on the card several times and could not get a human and the electronic options ask for card number- which I can not provide. 

I was in a hurry ( went to a different XXXXXXXX XXXX ) purchased another Gift card, that does have the numbers, but each time I try to use it I get a XXXX error code and they will not accept it. 

I would have welcomed the opportunity to resolve this with Vanilla directly, but did not hear a damaged card option to select on the phone nor see a damaged card option on their website ( where you check balances ) to select to upload the pics of the damaged card and receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
It has been XXXX weeks and my {$5000.00} deposit is still sitting as pending. Essentially they have stolen my money.

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 2023-05-31
Company: Experian Information Solutions Inc.
State: CA
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:
I received a copy of my lexus nexus credit report. After contacting Experian, XXXX, and XXXX it is reported a Bankruptcy from XXXX XXXX. 

The courts do not provide ANY credit information to any of the major credit bureau 's. XXXX XXXX sold my information without my consent. This information is wrongfully listed and has prevented me from obtaining credit. The information reported by XXXX XXXX is incorrect, names, adddress and Bankruptcy information. I've reached out to XXXX XXXX via email and u.s mail with no correspondence.

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 2023-09-05
Company: Experian Information Solutions Inc.
State: TX
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:
If you feel there is a possibility these Items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 2021-12-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX

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 2022-12-07
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Unknown parties claiming to own my note and deed of trust have unlawfully filed another notice of default on my parents property. they are XXXX and XXXX and XXXX. We have sent them the attached subpoena and nobody replies. They are asking my parents to contact XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, California XXXX on tel : XXXX ( XXXX ) XXXX and we don't know why? We believe they are simply trying to steal our home of 20 years.

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 2021-02-24
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank has repeatedly been sending us erroneous statements, far too early in the month for our on-time payments to be recognized, with threats about late fees being due and the amount being due being doubled, simply because they printed and mailed the statement less th an two days after the previous payment 's due date. This is moronic and likely intentional, to see just who sends them more money, believing that US Bank never received the previous, on-time payment. We have called US Bank about this *and* we even previously filed a CFPB complaint, # XXXX, about this topic. They finally agreed to generate our statements on the XXXX of the month instead of the XXXX, so that this issue would not recur. They did this for just ONE statement, before now reverting back to sending the statements on the 3rd again, with the same issue - a past due balance, double our monthly payment, ignoring our previous payment, with late fees rolled in! 

Best case scenario, US Bank continues to show their flagrant ineptitude and incompetence in mortgage servicing by not being able to stick to their own commitments in generating accurate statements. Worst case scenario, US Bank is both lying to us *and* the CFPB, which should be a federal offense. 

I encourage the CFPB to review our previous case, XXXX, see that US Bank agreed to move our statement date, and then take appropriate action as it is abundantly clear that US Bank merely says one thing to placate the CFPB and the consumer, and then immediately goes back on their word. This should result in prosecution of the respondent to our previous complaint.

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 2022-06-13
Company: CITIBANK, N.A.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The original creditor was Citibank ( this is to amend an earlier report that inaccurately listed the original creditor ). Due to financial hardship ( loss of jobs ) in approximately XXXX, I could not continue the payment on the account. It was sent to XXXX and XXXX in XXXX  XXXX. I was repeatedly harrassed, the debt inflated quickly, but I eventually reached a settlement agreement with XXXX XXXX XXXX that I repeattedly told them was beyond what I could pay. They still insisted and set up an automatic bank withdrawal via post-dated checks. I called after every payment to indicate that I could not make the next payment. When the last payment was due, I did not have the funds and could not come up with the funds. I called to let them know, they drafted anyway, and it bounced. When I tried calling to set up some way to make the last payment, they told me I was out of luck and that I would be responsible for the entire debt before the settlement because I failed to make the payment. I didn't hear from them for quite a while until I became aware of a default judgment against me in XXXX. They had served the renter of our property, and I never received the summons. Earlier this year, I received a call indicating they would like to discuss the matter. With over a decade since the original conversations, I asked that they send me documentation in writing instead of an inflated value over the phone of an amount that is quite larger than the original debt and the judgment. I have yet to receive anything. It has been months. I would like this matter settled in a fair and accurate way as soon 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 2022-06-13
Company: MacDowell & Associates, Ltd.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I move out of an apartment in XXXX on my own accord. 
This law firm is coming after me for the alleged debt. 
I do not have a contract with the stated/listed agency. 
They claim they have a default judgment ( in XXXX ) but I haven't seen one yet. 
I filed a motion with the court to set aside because I am paying child support and the judge ordered a 60 day STAY on the case. 3 days later the attorney filed a dismissal in XXXX of XXXX. 
XXXX of XXXX they filed a continuing garnishment order in another county. I filed a traverse and upon the hearing the judge stated he didn't want to go against another judges order and wanted me to take back to the court of original jurisdiction. 
Upon getting copies of the Document I realized the Affidavits/ complaints are filled out by the attorneys in which they cant attest to any of the facts because they are a 3rd party. Actually a 4th party to the matter at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
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: Information belongs to someone else

Complaint:
I have reached out to XXXX on 4 separate occasions via mail : XX/XX/XXXX -- advised that the information being reported was unverified/ asked for Master Promissory Note XX/XX/XXXX -- advised that the information being reported was unverified/ asked for MPN XX/XX/XXXX -- advised XXXX that the MPN that was provided was not for the University of the loan that they stated they were servicing. Also advised that the dates of disbursements were not a time that I was enrolled in a University. I asked that the account be removed as it was unverified.

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