BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I contacted Chase Bank by phone on Friday XX/XX/2016 after noticing some discrepancies with my banking history online as well as through the mobile app. After spending over 30 minutes on the phone they advised me that they have an ongoing investigation due to account balances for consumers not posting accurately. XXXX " A Supervisor '' suggested that I go into my XXXX in XXXX to discuss it further since they were not able to figure out what was happening. She also stated that once the investigation was done my account would automatically reflect my true balance but I would not be informed of resolution and that I would have to just watch my account. That same day I went into my branch bank and spoke with the Branch Manager, XXXX XXXX for well over an hour. She had a Senior Account Specialist on the phone and he was unable to figure it out either so I was advised they were going to start research on my account and I would hear back within XXXX business hours. I have still not heard back. Yesterday, XX/XX/2016 my account showed that I had a balance of {$340.00}. I assumed this was my balance after their " research ''. I of course made some purchases thinking that my account was resolved and had a positive balance. Today, I received notification that my account is now overdrawn again {$190.00} in checking and {$4.00} in Savings. I was hit with XXXX {$34.00} fees in checking and another {$34.00} fee in savings. At this point I am considering closing my account as I can not keep track of what they are doing. Nothing makes sense and I can not get any answers from my banking institution. This has caused a great deal of emotional and financial distress. I advised them on my phone call on XX/XX/2016 that if this was not resolved I would be filing a complaint with the CFPB as well as the Attorney General. Had I not been watching my account closely there would be several fees and charges I would have never known about. The Branch Manager also made that statement when I met with her on XX/XX/2016 inside the Branch location. She reversed some fees on that day due to their errors however this continues to be an issue. 
My branch location is at : XXXX XXXX XXXX XXXX, XXXX Ca XXXX XXXX Branch Manager : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 previous months, I requested to correct the inaccurate account which another credit reporting agency found to be inaccurate and had already corrected. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and correct my records. 
XXXX XXXX XXXX Balance : {$0.00}

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 2023-01-29
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi, To whom it may concern : Here is a letter I sent ; I contacted bank, Congressman XXXX XXXX, I understand that you are very supportive of your constituents, and I truly hope you will support my quest for restitution from one of our biggest Bank in the United States, Chase Bank. In fact, as of 2022, JPMorgan Chase is the largest bank in the United States, the world 's largest bank by market capitalization, and the fifth largest bank in the world in terms of total assets, with total assets of US {$3.00} XXXX. 
Despite its incredible assets, Chase first refused to protect my small business assets from on-line theft and on-line hacking of my very small business bank account! Even after their failure to protect me the breach, Chase also refused to reimburse me the {$40000.00} that was stolen out of my bank account. I am a single father of XXXX, and have a very small XXXX XXXX. Hence, I often live from weekly deposits to weekly deposits. 
When I opened my bank account, I was informed that Chase insured my money and so did the FDI. On XXXX, my very small business account was hacked and {$40000.00} was stolen from my account. 
Chase initially refused to assist me recover my funds. After multiple telephone calls and pleas, after 120 days Chase has finally contacted me.

I was informed that Chase is looking into it, and it will take time. It is the holidays and I am struggling to provide holiday cheer and gifts for my family. Please, I need your help to speed up the reimbursement process. 
I am requesting that you please help expedite recovery of the money stolen from my bank account. That you for representing my interests and supporting my fight to recover my money from Chase Bank. 
My Chase contact is : XXXX XXXX XXXX. XXXX Wait till someone answers then give EXT # Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Benuck & Rainey, Inc.
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After an overnight Hospital Stay, there was a disagreement between my insurance company and the providing hospital. As I worked with my insurance company, correspondence from the hospital stopped and I assumed the issue was resolved. There have been a series of phone calls ( I have 3 recordings on my machine ). The calls were very obtuse, never noting who they were, who the creditor was, it was only threats of further action. The calls sounded like a scam especially seeing that I have no outstanding debt that I was aware of. I have never received any documentation from Benuck & Rainey until I saw the hits on my Credit report. I did send my contact info to their web site on XX/XX/XXXX and I am still waiting for a response. I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
am extremely frustrated and disappointed that I am unable to retrieve my credit report despite numerous attempts to do so. This is not only illegal but also a complete disregard of my rights as a consumer. 

As someone who values financial responsibility, I make it a priority to regularly check my credit report and ensure that everything is accurate and up-to-date. However, due to the credit bureau 's neglect and disregard for their responsibilities, I am unable to access my credit report, leaving me in the dark about my credit standing. 

This is completely unacceptable, and I demand that the credit bureau take immediate action to rectify this issue. As a consumer, I have a legal right to access my credit report, and any attempt to deny me this right is a violation of the law. 

Furthermore, the credit bureau 's neglect is not only inconveniencing me but also potentially damaging my financial future. Without access to my credit report, I am unable to take the necessary steps to correct any errors or inaccuracies, potentially resulting in a negative impact on my XXXX XXXX and financial well-being. 

I demand that the credit bureau take my complaint seriously and take immediate action to rectify this issue. As a responsible consumer, I have taken the necessary steps to ensure that my credit report is accurate and up-to-date, and it is unacceptable that the credit bureau is neglecting their responsibilities and denying me access to this information.

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 2023-05-12
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 2020-02-27
Company: EQUIFAX, INC.
State: OH
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 received a letter ( attached ) from XXXX on XX/XX/2020 which also was the response they posted on the CFPB complaint website stating that they have removed a chapter XXXX bankruptcy from my credit report with their system. Upon further investigation, they LIED not only to me but to the CFPB ( a government agency ) They are still reporting this bogus information not only on their website but also reporting it to Equifax and others. 

In a phone conversation with XXXX on XX/XX/2020 they informed me that it was still, in fact, being reported but they show the open they removed had the wrong case number and they removed that one and the one they are still reporting has the correct case number. 

I find it funny that I lodged 5 complaints with XXXX regarding this matter and they stood their ground saying the information they reported was correct. On the 6th complaint, they send the attached letter saying it was removed but it was not and they come up with the story that 2 bankruptcies were reported and THEY had the wrong number? XXXX! 

I just recently got a new insurance quote ( copy attached ) and my rate was dictated by the bogus information that XXXX has reported. XXXX  & XXXX  removed this item over 6 months ago with no problem! XXXX and Equifax are hindering my ability to get reasonable rates based on their XXXX and XXXX  reporting. 

Therefore I have had enough and retained my attorney XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MI. XXXX ( XXXX XXXX XXXX to pursue litigation and file suit against XXXX XXXX Equifax for their improper reporting practices, misleading a federal government agency ( CFPB ), money damages, court and attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
As always there intentionally and willfully holding transactions that take less than a second for literally any other company but them and I know this very well because I use it a lot to move money to my accounts and instead of being genuine and just canceling or confirming the payment they decide to patronize and hold the funds even longer from yesterday on the XXXX at XXXX XXXX. central Time to well it's a little after XXXX XXXX. central Time and they are still holding it and not actually canceling it like I've asked several times in the last 10 hours or completing it because they are specifically and wholeheartedly holding the transaction. This transactions take less than a second and that goes for literally everyone. This is the worst customer service I've ever seen in my four decades alive and they genuinely do not care nor do they have to because nobody does anything about it. And of course I would be dead wrong according to them if I just up and abandoned the account while I owe them money right?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have already filed a complaint against Carrington Mortgage. They verbally told me on the phone when I spoke with a representative that there was an issue with the title on my property XXXX XXXX XXXX XXXX XXXX GA XXXX and that once the title issue was resolved they would let me do a deed in lieu. Today when I called they informed me that they were selling my property to yet another bank and I would have to begin the foreclosure process all over again. This house has not been paid on in over 4 years and has been vacant over 4 years as well. I had to file bankruptcy to stop this property from continuing to hurt my credit however it is still showing me as the owner on XXXX and therefore I am not allowed to ever purchase another home for my family and rebuild my credit. Carrington Mortgage also stated they had someone come out and secure the property, I can gladly provide documentation that this property is not secure. People are stealing copper wiring and taring away the permanent foundation underneath and are going into the property and doing illegal drugs according to the officer I called out the the property. The officer stated that they have asked the bank/Carrington Mortgage to board the property up and they fail to comply. This is a huge safety hazard. I do not understand what it is going to take to get this property out of my name. I want to do a deed in lieu as agreed upon and yet here they are shuffling me off to yet another mortgage company instead of holding up to our verbal agreement. They stated the would contact HUD to get this to stop reporting to cavirs but when I contacted HUD they said they were not contacted and it is still reporting. Is there anything legally I can do? This seems unfair to me to never be able to buy another home because they are not foreclosing on this one after 4 years nor allowing me to do the Deed in Lieu as they agreed to. As mentioned I can gladly get pictures of this property they claim is secure and show it is in fact not, it is a dangerous hazard to the community.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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:
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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Reported Balance {$5900.00}. 
Account XXXX -XXXX  XXXX, Reported Balance {$0.00}, Pay Status >Sold ; was Charged-off<, Account XXXX -XXXX XXXX XXXXXXXX, Date XXXX XX/XX/XXXX, Balance {$6000.00}, Pay Status >Charge-off<. 
Account XXXX - XXXX XXXX XXXXXXXX, Date Opened XX/XX/XXXX, Balance {$26000.00}, Pay Status >Charge-off<. 
Account XXXX - XXXX XXXX XXXXXXXX, Date Opened XX/XX/XXXX, Balance {$19000.00}, Pay Status >Charge-off<. 
Account XXXX -XXXX XXXXXXXX, Date Opened XX/XX/XXXX, Balance {$5800.00}, Pay Status >Charge-off<. 
Account XXXX - XXXX XXXXXXXX, Date Opened XX/XX/XXXX, Balance {$0.00}, Pay Status >Sold ; was Charged-off< Account XXXX - XXXX XXXXXXXX, Date Opened XX/XX/XXXX, Balance {$3400.00}, Pay Status >Charge-off<. 
Account XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$14000.00}, Pay Status >Charge-off<. 
Account XXXX -XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX, Balance {$2100.00}, Pay Status >Charge-off<. 
These are the accounts I want to be removed from my credit report.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-27
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:
TRANSUNION AND XXXX ARE REPORTING Unknown, unauthorized, and Unrecognized, from XXXX XXXX XXXX opened a COMMERCIAL DEBT BUYER FIRM EVEN DURING MY MULTIPLE DISPUTES BEING AFFECTED BY COVID-19 DURING THE GLOBAL PANDEMIC HARDSHIP. THIS INACCURATE REPORTING HAS DESTROYED MY XREDIT HISTORY AND TANKED MY SCORE CAUSING IRREPARABLE DAMAGE. 
I do not have an account opened by XXXX XXXX XXXX IN XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX  Original Creditor Company Sold Account Type Date Opened Status XXXX XXXX  Debt Buyer XX/XX/XXXX Collection account. {$480.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$480.00} XX/XX/XXXX {$480.00} 0 %

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-05-12
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: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX  Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or deleted as soon as possible. 
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 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 2022-02-08
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Out of all the three Credit Bureau Experian continues to report incorrect information on my credit report and lowers my credit score by XXXX points from the other bureau. Example as of XX/XX/2021, I had a credit score of XXXX and 3 months and 8 days my credit drop down to a XXXX. They also continue to report the following items that not my account and that has been deleted from other credit reports because they were not my accounts 1XXXXXXXX XXXX XXXX XXXX XXXXXXXX ID XXXX XXXX XXXX. 2.XXXX XXXX XXXX ACCOUNT # XXXX {$1500.00} 3.XXXX  XXXX Bank {$1400.00} 4 . XXXX XXXX {$1500.00} They are also showing lates and closed accounts that are still open and I have not received anything from the creditors that the accounts are closed or late, and I make monthly payments on these accounts and received monthly statements from them. And some of these accounts balance is incorrect with wrong account numbers 1.XXXX XXXX ( Still Open and never been late ) 2. XXXX  XXXX  XXXX ( Still Open and never been late ) 3. XXXX ( Paid off and wrong account number )

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