BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-02
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Dear CFPB, In XXXX I was the VICTIM of some of the very best and earliest scams relating to jobs, scams relating to deposits sent from Mobile phones and such. I lost hundreds of thousands of dollars. Most recently I have been working globally the past 5 years in XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have opened an XXXX, Chase and XXXX accounts here in the US along with an XXXX XXXX account. 

One month ago, I received two checks from XXXX XXXX XXXX from the XXXX XXXX XXXX. I told her specifically NOT to send checks rather I do not work in checks, nor do I issue checks anymore. I stated that cash wire transfers or Bank to Bank transfers were the only acceptable methods of deposit. When the two checks ( {$8000.00} and {$46000.00} ) From two foundations arrived I drove 3 hours to the XXXX, NY branch of XXXX to meet with the nearest branch Vice President. While on the phone with my partner, former banker 27 years and head of the JP Morgan Trade desk, I instructed this XXXX of XXXX to authenticate the checks first, note the account and alert the fraud department because I could not vouch for the checks. AND, if they were no good, NOT to deposit them into my account!!! A few days later I find out that they are closing the account. My boss, the CEO of XXXX XXXX in XXXX ( where we have $ XXXX in XXXX XXXX ) spoke with XXXX ( CEO of XXXX ) explained what happened and asked him to speak with XXXX XXXX the CEO of XXXX US. My XXXX account has now gone from pending closure back to under review. The account will remain open. 

While in XXXX, I opened a JP Morgan Chase account right next door. I was thrilled!! I moved {$100.00} from XXXX to Chase and set up two direct deposits. As of today, there was {$750.00} in the account. Deposits only, no withdrawals, no other activity. Today I receive a notice that Chase is closing my account. I called Chase, they can give me no reason why they are closing the account. There have been no checks deposited, no wires sent out, nothing that violates our agreement upon opening the account. Needless to say, I am flat out furious, enraged and disappointed in the entire US Banking system!!! 

When and how am I supposed to set up proper banking and have deposits of larger funds come into the US without proper banking support. The XXXX inside XXXX in XXXX New York was XXXX XXXX, she knows she did NOT do her job, she did not advise me they do not authenticate checks first, she did not note the account and she did not advise to the fraud department. Now, I am supposed to be the victim again for some employee who cant do her job properly?? With regards to Chase, they have NO GOOD REASON to close my account and I would like it re opened asap. 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit and noticed a numerous amount of credit inquiries that I did not authorize. I have credit already with the consumers and noticed some of them did multiple inquiries back to back monthly without my consent. I have not recieved no extra cards or services. There was fraudelent charges but my cards were replaced thats all. I never authorized those inquiries from experian and XXXX. 
Experian ( XXXX  inquiries ) XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX ( XXXX inquires ) XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I called the credit bureaus to dispute these inquiries but they told me to contact the CFPB first. I would like these removed from my credit as I gave no authorization nor consent to the those inquiries

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 2022-12-22
Company: Credit Karma, LLC
State: IL
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:
Credit karma originally had issues processing my legal name change from a XXXX XXXX to XXXX XXXX. Now that issue is fixed they cant open the car we it karma spend or save accounts because their system still has the social linked to the old name and now XXXX cant open the accounts I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage has been falsely reporting to all 3 credit agencies that this account was paid 30 and 60 days late in XX/XX/XXXX and XX/XX/XXXX. This account was never paid late. This account is paid as agreed. This account was referred for investigation regarding the late payments. It was discovered that the payments were missing the correct account number when the rep took the payments and therefore never posted to the account, causing the issue of payments being reported late. Shortly thereafter, the pandemic occurred and the account went into forbearance. This has been disputed with Carrington Mortgage over the last year and to date they have not updated the credit files to remove all negative comments on the credit reports to reflect pays as agreed and no late payments. 

In speaking to another Carrington rep today XX/XX/XXXX by the name XXXX she made comments regarding my ethnicity thinking I was on hold, saying I that these XXXX people need to just pay those accounts this is a clear indication that my credit reports are not being updated due to race or some other discriminatory practice. When she realized that I was not on hold when I asked her what she meant by the comment she disconnected the call. 

Ive reported this to Carrington Mortgage again today in writing of the XXXX comments made via the research department employee as well as filed a complaint with the Federal Trade Commission about their practices. This is my final attempt to get this corrected before I seek legal action to have this looked into. It is a breech of my rights to have incorrect data reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: MS SERVICES LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-11-18
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: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2022-04-17
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Date : XX/XX/2022 This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specific information being disputed is the derogatory nature of the information you have furnished to the credit reporting agencies in connection with the above mentioned account. 

The basis for my dispute is your company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement. 

Therefore, provide me proof of notification ( i.e. a copy of the actual notification sent ), and proof that it was delivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ). 

If you can not provide proof of notification and date of receipt, then you can not substantiate you followed the procedures required under the Fair Credit Reporting Act. In addition, by not being able to substantiate you performed your duties imposed under that title, you are now in direct violation of it. 

Therefore, the continued reporting of negative information to the credit reporting agencies in connection with the above mentioned account may constitute the furnishing of false information with malice or willful intent to injure me. 

To correct this error I suggest you modify the account accordingly, report the results of your investigation to the consumer reporting agencies to which you furnished the information, and provide me written verification thereof. 

You have 30 days from the date you receive this notice to complete your investigation and respond pursuant to the Fair Credit Reporting Act, section 623 ( 8 ) ( E ) ( iii ). 
In the event you fail to respond to this dispute or provide insufficient proof of notification and date of receipt, I will have no other choice but to seek administrative enforcement with all applicable agencies identified in section 621. In addition, I may also seek the assistance of a legal firm specializing in class action lawsuits. 

Thank you in advance for your cooperation. 

Sincerely, XXXX XXXX Attached is proof of identification and a current bill, identifying me and will suffice throughout all future correspondences.

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 2021-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Hello, This is in reference to closed case # XXXX. If you open up the case you can see all the notes. Bank of America noted in several documents within the case that only one inquiry was sent to XXXX on XX/XX/XXXX for opening up a credit card account. 

However, I spoke to XXXX today and they're still claiming they show two inquiries from Bank of America on XX/XX/XXXX on my file. XXXX was not helpful in providing documentation of this only to tell me Bank of America needed to send them a Letter of Deletion to the following address XXXX XXXX XXXX XXXX, PA, XXXX XXXX also told me I needed to send a letter authorizing XXXX to remove an authorized inquiry from Bank of America. XXXX gave me this file number : XXXX. 

This is very frustrating as neither side seems to take ownership. 

Please reach out to me, as I need this inquiry off my XXXX file asap. 

Thank you. 
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 2019-10-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone used my personal information to obtain medical services that i'm not aware of at this time.

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 2023-11-23
Company: Experian Information Solutions Inc.
State: CT
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or 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 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 2021-10-20
Company: EQUIFAX, INC.
State: GA
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: Problem getting your free annual credit report

Complaint:
i am unable to get my report. i have tried multiple times but to no avail. i have also sent out mails requesting for my for my credit file and credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
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:
existing problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Experian claimed to removed the inaccurate inquiries on my report after cfpb complaint XXXX This is a follow up so that they can finish removing the rest of the items Over the last 2 months i have been disputing inaccurate inquiries on my credit report which this company has took over 30 days and most times not even responded to my disputes. They are currently the FCRA as well as many of my consumer right. Firstly they are violating 15 usc 1681 b- ( a ) In general - ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've never gave them written instruction to furnish my report in any way. They have also not completed accurate investigations and accurately verified the items on my report. Ive submitted many FTC identity theft affidavits which they have not responded to. This negative and inaccurate information on my report is creating false and deceptive representations of me as i try to apply for new credit which is also a violation of 15 U.S. Code 1692j ( a ). These items must be removed immediately and I also require monetary relief for these violations against my consumer rights. I am demanding these inquires be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-16
Company: Stewart, Zlimen & Jungers, Attorneys, Ltd.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Ran into unavoidable financial trouble and unfortunately was unable to make payments to a XXXX XXXX XXXX XXXX Was served with a lawsuit in XXXX by the law firm Stewart Zlimen and Jungers out of XXXX Minnesota. I immediately called and tried to get it taken care of and get some sort of payment arrangement set up as I was not trying to deny the debt, I just could not afford payments temporarily. The law firm made it almost impossible to get in contact with them, I left a message on or around XX/XX/XXXX stating my name and that I wanted to settle the debt. They did not respond and went ahead with the lawsuit. I didn't fully understand the nomenclature on the papers served and lost the lawsuit by default as I thought there would be a court date attached at some point, there was not. Then on XX/XX/23 my checking account was offset {$1300.00} and my savings was offset {$3100.00}. These funds were a combination of payroll funds I had saved up, and deposit for a job that services had not and still have not been performed as the money that was supposed to go to that job was taken. I did not take action then as I thought it would be a one time thing wouldn't happen again. I then tried to settle the debt with the lawyers but my offer of $ XXXX was rejected and they wanted the balance in full. This after they had literally drained my accounts so I had nowhere near the almost $ XXXX they wanted. Then in XXXX I received a letter they were going to garnish my wages. Not much I could do about it so the garnishment began on XX/XX/23 in the amount of {$550.00}. My next paycheck was on XX/XX/23, also the day I was let go from my job. On that check, {$680.00} was taken out of my last paycheck. On the morning of XX/XX/23 I filed for unemployment at around XXXX XXXX. At XXXX my checking debit card was declined, which it should not have. Turns out the law firm did another offset of my accounts, on wages that had already been garnished! This time they took {$2800.00} from my checkings and {$410.00} from savings. Again this was out of funds that had already been garnished, so they basically took 100 % of my paycheck, and what other funds were in there were from the same job that has yet to be completed as the homeowner floated me another payment to pay for material and labor costs. I had just made a mortgage payment on XX/XX/23 that is now going to be declined causing not only an overdraft with their client ( XXXX XXXX ), I will now incur late fees from the mortgage company and am left unable to pay it as all my funds were seized.

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