BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-03
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XX/XX/2021 I initiated an instant transfer in the amount of XXXX dollars using XXXX from my XXXX checking account to my Chase checking account. Moments later I received a message acknowledging receipt of the funds from Chase and shortly thereafter the funds were shown as available in my Chase mobile app. 

The funds were also shown as available the following day, XXXX XX/XX/2021. On Wednesday, XXXX XX/XX/2021 I went to check my Chase checking account via the mobile app and noticed that my checking account was no longer showing in the app. I assumed this was some sort of error with the app but contacted Chase 's customer service department to be sure.

They informed me that the account had been closed due to lack of activity and that this was effective XXXX XX/XX/2021. I asked how this was possible since I had only 2 days prior made a deposit to that account. What follows was a tremendous run around. By the end I had been assured by no less than two separate representatives that the funds were currently being returned to the sending account, and that they would be available no later than the close of business that day, XXXX XXXX. 

The close of business came and went with out the funds showing up. As a courtesy I waited an additional 24 hours to see if the funds would appear. That time also came and went. On the morning of XXXX XX/XX/2021 I again contacted there customer service department. Again I was giving a very lengthy explanation as to why this banking institution had unilaterally, and absent any due process or prior communication, decided to close my account thereby revoking access to the funds which I had entrusted with them as a deposit. However the representative also stated the funds were currently " en route '' to the sending account and would be available by close of business. 

Out of an abundance of caution I reached out to the customer service team at XXXX to see if they could verify that there was a pending transfer of funds. They informed me not only that there was no pending receipt of funds from Chase bank but also verified that the funds had been successfully sent to and received by Chase bank. This is in stark contrast to Chase previous claim that the transfer was rejected and would be sent back. As of today the XXXX dollars that was in my Chase account is still nowhere to be found. 

This Tuesday morning I will be filing suit with my local small claims court for the return of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-02
Company: TD BANK US HOLDING COMPANY
State: NY
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 regret to report that I have encountered difficulties when attempting to make payments on both tdbank.com and tdcardservices.com websites. Specifically, upon signing into these sites, I was unable to locate any payment options. Even after thoroughly reviewing each page, I was unable to find any payment options available to non-TD bank account holders. As a result, I was forced to make a payment in person at a TD bank branch. 

Upon visiting the TD bank branch, I discovered that my previous payment had been returned. I am unsure as to why this occurred, but I promptly made an {$800.00} payment the same day. Furthermore, I have now been informed that my account has been reported as delinquent to the credit bureau. I believe this to be unjust, considering the issues I encountered with the website, and the fact that the payment was ultimately made I believe on time but may have been processed late. 

I would like to request that the late payment be removed from my credit report. It is unreasonable that I must visit a branch in order to make a payment, and the tdcardservices website only displays my previous TD bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
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:
AFFIDAVIT OF DENIAL I, XXXX XXXX, Pursuant to 28 U.S.C. 1746, hereby declare as follows : I deny the debt alleged by XXXX XXXX XXXX  on account # XXXX in the amount of {$13000.00} is mine, and if it is my debt, I deny that it is still a valid debt, and if it is a valid debt, I deny the amount alleged by XXXX XXXX XXXX  is the correct amount and if the amount is correct, I deny the charges were fair and reasonable. I declare under penalty of perjury that the information provided in the the document described is true and correct to the best of my knowledge. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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:
I contacted XXXX about old accounts reappearing on my report as negative. I asked them to update this information. They are reporting XXXX negative accounts. I only have XXXX accounts that is open and they are not negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-08-22
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 reached out to the 3 major credit bureaus and stated this : In XX/XX/2015, I was at a party and my purse was stolen that had all of my personal sensitive information such as my ID and social which were stolen. I didn't think someone would actually steal my identity but I've recently check my credit report and saw accounts open and hard inquiries that I did not open and don't belong to me. I have listed them above but here is another one that I was unable to add : XXXX : XXXX XXXX XXXX, Acct : XXXX, Opened : XXXX, Balance : {$470.00}. Inquiries : XXXX XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am submitting this XXXX A XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: JPMORGAN CHASE & CO.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I RE-FINANCED LOAN WITH OTHER LENDER AND WAS TOLD OF CHASE HAS MIS REPORTING ACCOUNT REFLECTING 990 % DEBT. THEY ALSO FAILED REMOVE ALL LATE FEES AND CHARGES SINCE CIVID 19 AS PROMISED SEVERAL TIMES ALL SHOULD BE REPORTING PAID IN FULL NEVER LATE-CLOSED AS OF XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I believe on XX/XX/2021 Equifax removed a public record ( bankruptcy chapter XXXX XXXX from my credit report, due to not being able to verify that information. But for some reason that public record reappeared on my Equifax credit report XX/XX/2021. I really feel like the credit bureaus are breaking the law by doing this. Multiple times i had sent proof that the courts does not verify bankruptcies with the credit bureaus. Equifax deleted that account due to lack of verification. Im disappointed that they are being untruthful and went against the fair credit act and added back to my report just to make a dollar off my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
XXXX XXXX, I have been a victim of identity theft. A XXXX  XXXX XXXX account was created using my information. I contacted XXXX and they resolved this issue. I was told my social security number was used to create the account, which forced me to do a deep dive into my credit report. I requested an investigation with the credit bureau because XXXX XXXX  was reporting inconsistent balances I remember paying this credit card off. All three credit bureau 's are reporting inconsistent credit limits, balances, high credit, and dates of last payment. I believe the credit bureau failed to properly validate this debt. I mailed a letter to this XXXX XXXX, but I received no response. All three credit bureau 's are reporting different information. It is unfair that there are so many inconsistencies on my report. If this creditor is unable to provide the original documents of this debt along with validating I owe them this debt I would like it removed from credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: TX
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 this creditor has violated my rights under 15 USC 1681 Sec 602 which states, I have the right to privacy. Under 15USC 1681 Sec 604A Sec 2, it also states a consumer reporting agency can not report an account without my written instructions under 15USC 1666B a creditor may not treat a payment on a credit card account under an open consumer and credit card plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 non-monetary relief
Consumer complaint received 2022-07-08
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
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: Difficulty submitting a dispute or getting information about a dispute over the phone

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a Citi XXXX card and haven't used it for a few years. At that time, I had a balance of {$100.00} when Citi changed their web site and I couldn't get in to make a payment. I called them and they assured me that it was fixed and I could go online and set up a new account. This wasn't true. The site didn't allow me to set up a new one because the old # still existed in the system and you can't have 2 accounts with the same #. I was being charged late fees & couldn't fix the problem. This first time, I paid the $ $ to make a phone payment but, with all the other stresses I had at the time, I just stopped paying. Last week, I received a letter from Citi telling me that " at the time of my purchase, I was not credited for a promotion they had '' ( which I told them about years ago BTW and they told me I wasn't eligible. ) The letter I received stated that I was due a refund for {$400.00} that should have been credited to me years ago and this was credited to my account. I called Citi and was informed that I needed to call the XXXX office because everything about my account was with them. I called the XXXX office/funded by Citi and was informed that the {$400.00} was credited towards late and finance fees. I am thinking that if this {$400.00} was refunded for a promotion at the time of purchase, I wouldn't have even owed the {$100.00} so how is it legal that they took the refund and applied it to late fees and finance fees that I would have never had if that promotion was applied? I asked for a payment history so my attorney could take a look at it and they told me that they didn't even have that. They said the account was sold so they have no history on it any longer.

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 no affiliation with these creditors and I did not make this inquiry. Please remove it 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 non-monetary relief
Consumer complaint received 2018-05-09
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/18 XXXX CST Trouble again with the website and making a payment with Specialized Loan Servicing https : //www.sls.net/ 1. Their new provider " Official Payment '' web page gives an error message of " DDA contains invalid character '' This prevents me from making a payment.

2. Calls to Customer Service tell me to send it through my banks bill pay. ( risking it being late ) 3. Customer Service refused by two different customer service reps to drop the fee to pay over the phone.

4. Customer Service also explained to me that they have now added a {$12.00} fee to pay from my bank account online. It used to be free. No notification sent.

5. The only option is to send in a paper check for no fee.

6. When I asked if I needed to put in a ticket and report the website error to Tech support, the customer service lady stated that there was no system for reporting those errors and that she would pass the information onto her supervisor. She didn't seem phased and it felt like she was giving me a line.

7. The company reps did not state that they were working on the known website issue. The attitude was that they didn't care. This is very concerning because it is the main method of payment for our mortgages.

8. This is the 2nd time in a year I have experienced changes and problems with making payments to SLS Mortgage Servicing. Previously I went for several months of not being able to log in and obtain any information on my account. They did not care.

This company needs to be watched. Side note I am current on my loan and I don't pay late. Thank you for taking the time to review this. 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 2022-12-31
Company: Source Receivables Management LLC
State: MI
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:
Source Receivables Mng violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation