BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a check deposit to Chase Bank on Saturday, XX/XX/2023, at XXXXXXXX XXXX for {$1400.00}. My account was completely frozen for a total of 20 days after that of which I was unaware at first. The deposit receipt only gave notice of delayed funds fro the amount of the check. 
I made a payment to a credit card from my Chase account for {$400.00} when I did not know my account was frozen and it did not go through. Furthermore, I was charged {$30.00} on XX/XX/2023, by that credit card company for not paying by the due date. 
On or before XX/XX/2023, Chase Bank closed my account without notice or my permission. I received a cashier 's check in the mail from Chase Bank for {$35.00} days later. 
I have called Chase Bank on several occasions and have been told several things. At first that a check was mailed but I never received it, then an investigation would need to be held which could take up to a year, then that the company 's phone number on the check in question could not be verified and so the check could not be verified. My last phone call was on Friday, XX/XX/2023, around XXXX XXXX 
This is the number I called XXXX. 
I have also gone several times in person to a Chase Bank location in XXXX CA and was told different versions of the same things as on the phone. 
Finally, I spoke with my company 's accountant about this issue and he informed me that Chase Bank has already withdrawn the {$1400.00} from the company 's account. 
The accountant and I even called Chase Bank together but the person on the line for Chase Bank refused to speak with the company accountant for unknown reasons.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ]. REPORT NUMBER : XXXX [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX, [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT LAYE PAYMENTS WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was involved in a scam with my XXXX, transaction with Bank of America. An impostor from Bank of America called me and I interpret them to being real. I ended up transferring funds to reverse the transaction, but I ended up sending it to a scammer. Bank of America researched my claim and they rejected and didnt approve my claim. They told me that they couldnt recover the funds. This was a scam so they are responsible or the other party is responsible returning my funds. I contacted Bank of America and told him to reopen my claim, and to recover these funds.

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 monetary relief
Consumer complaint received 2022-04-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian continues to report the following address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report. I have contacted them various times advising them this is not my address. I contacted them today and finally talk to a nice man who said I would need to contact you and explain to you these addresses are not mine so you can contact Experian so they can provide accuracy on my credit report. Please have them remove this off my credit report due to this is not my addresses and is reported in error by Experian.

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 2023-10-23
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
This letter is written to address issues with the accuracy of information in a recent credit report. A thorough examination of the report revealed several contradictions that demand further investigation. 

I am knowledgeable about the specifics of the Fair Credit Reporting Act because I practice careful consumer behavior. This law enables individuals to challenge and request changes to any inaccurate information on their credit reports. 

Due to familiarity with the Fair Trade Commission 's ( FTC ) guidelines, these errors in the credit report raise concerns. These errors are a chance for me to verify what I know about how credit reporting functions and, more importantly, how effective the laws that control it are, even though I didn't anticipate them. 

I am aware that consumers have the right to contest the veracity of their credit reports under the Fair Credit Reporting Act. The FTC is responsible for enforcing this federal law, which has safeguards to protect our interests and ensure that information about credit is presented accurately and fairly. 

I'm currently making use of this right to challenge the FCRA violations because these problems demand further investigation. Given that it improves their capacity to monitor and maintain their financial health, this law is extremely valuable to consumers. 

I'm hoping for a satisfactory and swift resolution in accordance with these regulations in light of this. Not only will prompt action be advantageous, but it will also highlight the significance and value of these consumer protection laws.

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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX and TransUnion are all in direct violation of my federally protected consumer rights under Title 15, Chapter 41. Please see the attached letter sent to each for further details. Pursuant to 15 USC 1681a ( 2 ) ( A ) and 1681a ( 2 ) ( B ) a consumer reporting agency XXXX XXXX XXXX TransUnion XXXX must exclude a report containing information solely as to transactions or experiences between the consumer and the " person '' ( corporation ) making the report and must exclude any authorization or approval of a specific extension of credit directly by the issuer of a credit card or similar device yet each of the three above mentioned consumer reporting agencies have included such information in the consumer report. XXXX  additionally has been using stall tactics by sending notifications that they find my submissions " suspicious '' and refuse to honor my request to delete such 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 explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: CA
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:
This is a written request that you investigate specific items that I believe to be reported in error. 
These items are not correct and are causing me financial and emotional distress because of their Inaccurate information. The following items must be updated accordingly : XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2022-08-11
Company: EQUIFAX, 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:
When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am writing to express my extreme dissatisfaction with the inaccuracies contained in my credit report. Upon reviewing my credit report, I discovered several errors that are negatively impacting my credit score. This is unacceptable and I request immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXXXXXX Balance : {$18000.00} - XXXX believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. As you are undoubtedly aware, under Section 611 of the FCRA, it is your responsibility to ensure that the information contained in credit reports is accurate and up-to-date.

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 2023-06-02
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 explanation
Consumer complaint received 2021-01-12
Company: Paypal Holdings, Inc
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
onXX/XX/XXXXirs websited said 2nd stimulus was scheduled for deposit that day and nothing was showing in my paypal account. i got my 1st one no problem same day XX/XX/XXXX XXXX on irs site it showed matching acct number both were deposited into. so i contact paypal and the tell me 3-5 days to clear so i was confused since first one was same day why wouldnt second needless to say ive contacted paypal every other day with limted responses back cant get ahold of them via phone its now day 7 an i get a response that paypals having service updating an im not the only one wondering what the XXXX and they said theyf let me know asap and to reply when ever id like. so i went to reply and the idiots closed the chat an wont let me message them now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not receive written notification or verification that I owe this debt. It is my belief that I am not responsible for this debt and this collector has used harassing tactics to try and collect this debt that is invalid, incorrect, and unverified. I have never been associated with this company and demand that they refrain from further contacting me and DELETE this item from my credit report. CACH LLC # XXXX, has violated the Fair Credit Credit Reporting Act and The Fair Debt Collection Practices Act ( FDCPA ) which states : The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you. The FDCPA covers the collection of Mortgages Credit cards Medical debts Other debts mainly for personal, family, or household purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is for Portfolio Recovery Services. They call me constantly and I keep my phone on silent all the time now missing important calls. Ive tried blocking every number but it doesnt matter they will just call from different numbers. I told someone awhile ago to stop calling as I am XXXX but dont get XXXX because its a XXXX XXXX XXXX XXXX XXXX XXXX  I have XXXX XXXX and live with my XXXX and have for a long time. He has a XXXX  and his own financial issues. I cant work so XXXX cant pay anything towards this. Theres nothing I can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a BJ 's Mastercard issued by Comenty Bank. In XXXX BJ 's changed to XXXX XXXX Mastercard. In XXXX billing I paid {$3000.00} on a bill of {$5000.00}. I was charged {$70.00} interest. I paid that interest in the next month billing and I paid the entire amount. The bank charged {$92.00} on a fully paid bill. The next month I once again paid the entire amount and was charged {$110.00} interest on a fully paid bill. I called customer service 3 times. The first time the representative stated I had fallen " out of grace '' with a partial payment and it takes 4 consecutive months of full payment to regain status. I sent a message to the bank and got back twice to please call customer service. Each time I called I got a word salad from a badly speaking English rep. I got no further response and when the new card and new bank was issued I was cut out of their website. I would like to get the interest, which I paid, returned on bills that I fully paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: NY
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 keep paying XXXX! 
I pay XXXX  again & again & again! 
I pay XXXX with Auto-Pay! 
I paid XXXX  with telephone payment! 


I pay XXXX  with old-fashioned human to human telephone conversation payment method! 
I paid XXXX with my Primary Checking Account! 
I paid XXXX with my Secondary Checking Account! 



Most recently - I paid XXXX with XXXXBalance Transfer! 
No matter what whichway I pay XXXX - it fails to properly register with XXXX! 
XXXX keeps sending false info to credit files! 
XXXX keeps falsely acting as if - I - allegedly - did not pay! 
Even tho - I DID PAY!

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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT LATE PAYMENTS WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-08-23
Company: FIRST NATIONAL BANK OF OMAHA
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX XXXX, which can be found at XXXX XXXX XXXX denied me an account with them. I asked them which checking reporting service they use, because I am entitled to a free checking report with them. They told me they can not provide this information. I believe I am entitled to this information. I was able to eventually get them to tell me that they do not use XXXX XXXX, but I was booted from the app before I was able to ask for their actual reporting vendor.

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 2020-07-05
Company: Experian Information Solutions Inc.
State: CO
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 faxed my identification and utility bill and social security card to XXXX on XX/XX/XXXX. I get these alerts from my credit monitoring services please see attached. The fraud department guy I spoke to had updated my address and assured me that it wouldnt change again but I knew it would. He said the mixed files were fixed he saw in the notes. So why am I getting these alerts? I just simply want answers.

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