BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-18
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I AMDE A DEPSOSIT AT CHSE BANK ON THE XXXX ASK THEM SPECIFICALY HOWLONG A HOLD WOULD BE BEFOR I DEPOSITED THE CHECK THEY SAID FUNDS WOULD BE AVAILABLE 0N THE XXXX EVEN SAY IT ON THE RECIEPT THEN ON THE XXXX THEY PUT ANOTHER 7 DAY HOLD ON IT ACORDING TO EVERYTHING I CAN FIND ON FEDERAL REGULATIONS THEY SHOULD NOT BE ABLE TO HOLD IT MOR THAN XXXX BUSINESS DAYSSINCE IT WAS DEPOSITED AT THE BEGINING OF THE BUSINESS ADY THATS 8 DAYS THIS MADE ME UNABLE TO REFUND THE MONEY FROM THE SALE AND WILL PROBABLY CAUSE OTHER ISUSES WITH TAXES AND SO FORTH SO I TURNED IN AN ORDER FROM A JUDGE TO GET INFO ON AN ACCOUNT THAT WAS PART OF AN ESTATE AND THEY IGNORED IT AND I HAD TO GO BACK TO THE JUDGE AND GET ANOTHER ORDER BASICALY THREATINING THEM WITH CONTEMPT AND FAILER TO COMPLY AND EVEN THEN IT TOOK THEM MORE THAN 10 DAYS TO COMPLYBUT I CANT SAY ANY MORE ABOUT THAT AS IT IS PENDING LITIGATION BEWARE OF CHASE BANK THEY ARE NOT TRUST WORTHY IN MY OPINION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
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:
XXXX and TransUnion have been reporting these fraudulent accounts under my name XXXX XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX, XXXX.is fraudulent on my credit Account # 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 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XX/XX/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 2017-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was charged several " international Fees '' by Bank of America without them telling me about any international fees, they also never asked me if i wanted them to go through. They refused to tell me when i was told of these fees and how i was told of these fees. They asked me if i knew about them and i said " no '' to which they said they will see what they can do and they refunded one of them for {$2.00}. The charges i have gotten and was in question of were as follows. XX/XX/XXXX i was charged {$0.00}, {$1.00}, {$2.00}, {$2.00}, {$2.00}, {$2.00}, {$3.00}, {$11.00}. Then on XX/XX/XXXX i was charged {$0.00}, {$0.00}, {$0.00}. Then i was charged {$0.00} onXX/XX/XXXX I was charged {$0.00}, {$0.00} in fees on XX/XX/XXXX. OnXX/XX/XXXX i was charged {$0.00}, {$0.00}, {$0.00} in fees. On XX/XX/XXXX I was charged {$0.00}, {$0.00}, {$0.00}, {$2.00} on XX/XX/XXXX and the list goes on and on. These charges were all added by Bank of America without my approval or without notice. They never once informed me that there would be any fees let alone this many and this much.

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 2022-10-05
Company: Bread Financial Holdings, Inc.
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:
{$300.00} payments made and posted to old/closed account in XX/XX/2022 I have sent them the statement numerous times showing the credit on the closed account. 
Numerous calls to customer service with no results. they can not see the old account! 
I want the {$300.00} applied to the open account. 
I do not understand what is so difficut.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-22
Company: Central Portfolio Control Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was notified by XXXX that I had an alert on my credit report the beginning of XX/XX/2023. So I went into XXXX and checked it. I immediately disputed it saying it wasn't mine. The dates given furry opening the account are not mine. I've not opened any account with them original source. But they results I received back from XXXX just stated that all information had been verified. I've not received any communication from them original source of from the debt collector. But yet they say they have everything verified. If anyone were to look at my credit they can see that I have not been late with any of my payments. I've got 100 % payment history with an my accounts that are open. I feel they just sidestepped verifying with me any of the information as then XXXX just took their word for it. Now I think it's on all XXXX as well. The only one that hasn't reported it yet is XXXX. I did not open any account on XXXX of 2023. This is so frustrating that your can't do anything once your results are back from the credit companies. To me this ooks like identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-21
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-09-06
Company: Experian Information Solutions Inc.
State: MI
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX, XXXXXXXX XXXX Balance : {$62.00} ; DEPT OF EDXXXX XXXX Balance : {$1100.00} ; DEPT OF EDXXXX XXXX Balance : {$590.00} ; XXXXXXXX XXXX XXXX  Balance : {$3000.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$1100.00}.

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 explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To whomever this may concern I hope this letter finds you well. I am writing to request the update of my personal information in my credit report maintained by your agency, in accordance with the Fair Credit Reporting Act ( FCRA ), Section 611. 
I noticed that you guys have been furnishing inaccurate information on my behalf, starting with my name, address and social. I'd just like for you guys to update my information CORRECTLY. Under no circumstances do I wish for any addresses other than the ones listed to be reported to this agency.

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 2023-11-07
Company: LD Holdings Group, LLC
State: NY
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:
I do not consent to electronic communications. I request all responses be in writing through the USPS. Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : LOANDEPOT.COM LLC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, I have been a mortgage holder with " Shellpoint '' mortgage servicing a company of " Newrez '' for over a year now. 
I have my payments scheduled on auto pay since the beginning of my loan with them through my bank XXXX XXXX. All was well until XXXX for 2022, from my understanding " newrez/shellpoint '' changed their financial institution or their banking and since XXXX of 2022 i have been assessed a late fee on all my payments. Late fees range from $ XXXX $ XXXX a month since XXXX of 2022. 
I contacted Shellpoint about it, they claimed their XXXX XXXX XXXX payment was changed and a noticed was sent out to all mortgage holders about it ( i never received one, i get paper statements ). 
I went ahead and updated the XXXX XXXX XXXX on my bank. But still, nothing changed, i am still being accessed a late fee every month since then. 
Payments are due XXXX of each month, grace period is until the XXXX of each month for mortgages. After the XXXX of the month there will be a late fee, which i understand. 
My auto pay is scheduled XXXX of every month, but for some reason " Shellpoint '' is receiving my payments after the grace period. XXXX XXXX reps told my shell point is not doing electronic payments anymore, so they send paper check through regular mail. 
Considering extenuating circumstances at worst case, mail would not take more than 11 days to reach the mortgage company especially considering postal workers are working 7 days a week. 
I have contacted both institutions about this, " shellpoint '' says there is nothing they can do and " wells fargo '' has open tickets for it. Nothing has been resolved by either party. 
There is a deceptive act happening on XXXX or the other side.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Experian Information Solutions Inc.
State: NV
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 company XXXX XXXX XXXX is reporting on my Experian Credit report even though I've disputed it 3X and Experian wont tell me how they validated that account when its a fraudulent account. I want it removed, it is not mine nor do I have any knowledge of the account. I've reached out to the company as well and they must work with Experian because they cant/wont ' send me proof or validation of the account with my signature on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, 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:
There is a report from XXXX for the amount of {$710.00} as debt which is being double reported at XXXX XXXX XXXXXXXX for {$710.00}. I have filed multiple disputes and they have not been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: CA
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
State: RI
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 was assessed with a wrongful 30 day late payment. This was on the onset of covid when my hours at work were dramatically decreased. I made my minimum payment of XXXX on XX/XX/XXXX ( 29 days late ) my due date is XX/XX/XXXX. Since then I have paid off the card and my balance is XXXX. When explaining this to them they had no mercy and wouldnt make an adjustment to my credit report. Similar to in XXXX   when I had auto pay to a different bank account and they wouldnt remove the late payment. I understand being firm on policy but for a customer of 3 years to not be understanding during a worldwide pandemic is not encouraging as a customer. This is preventing me to qualify for a mortgage and effecting my quality of live.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Ive disputed this charge ( {$110.00} from XXXX XXXX XXXX ) through cash app on 4 different occasions and havent each time theyve been denied with no explanation. Ive been asking for the evidence used to make the decision and have been getting a run around. I initially asked for a refund XX/XX/XXXX XXXX months after I placed the order with no update and didnt get a response, so I first disputed the charge XX/XX/XXXX. XX/XX/XXXX I received the letter in the mail from the merchant saying email them for a refund, which I have and still havent gotten a response. XX/XX/XXXX a couple days before the dispute would close I received an email saying it was denied, I have not received the products ordered so I dont see why would it be. Each time I dispute the purchase and reach out to support Im told Id be transferred to a speciality team only to have the dispute denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: DE
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:
My consumer rights are being ignored and violated. I have tried to resolve with the company but to no luck. I am attaching how I feel my rights have been violated with the dates and verifications to have this resolved. Thank you

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 2023-02-08
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Tired to cash a check of {$5000.00} dollars with B.O.A.!! Customer since 1995. Due to relationship with the Bank I could not. Check needed to be deposited. ( I also have two direct deposit accounts ). Don't know if the " Bank '' is catering to the " rich '' or if " racial profiling '' is the issue. In any event I felt that I was being targeted or punished due to past relationship. Not really looking for resolution as much as wanting my issue to be heard. Ty 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