BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My XXXX and I opened a checking account at a Chase Bank branch in XXXX, AZ on XX/XX/2022. ( We recently bought a winter home in Arizona ). The account was opened with a personal check from a friend. About XXXX week later my XXXX personally deposited a rather large check. A day later my XXXX personally deposited another check. We subsequently received a letter in the mail dated XX/XX/2022 saying that they blocked the account and it was soon going to be closed. We went to the same branch where we opened the account and have been making deposits and they said it was because XXXX of the checks was made out to a trust. While we were there, at the banks request, we had a copy of that trust emailed to the bank. The bank ( er ) was satisfied with that and asked that we give them a few days to get the account cleared up. We called the bank yesterday, XX/XX/2022, to be sure everything was taken care of. We were told that no, our account had been closed. We said then that we wanted our money ( approximately {$150000.00} ) and they said they would have to send a check. They now say that they can not do that because they are questioning the original check with which we opened the account ( only about {$1500.00} ). They say they need to talk to the person who wrote the check but that they would need to call him. We provided the bank with his XXXX telephone numbers but they came back and said that they couldnt find that those phone numbers were associated with him and that he would need to personally go into a Chase Bank branch. However, he lives in XXXX XXXX, IA where there are no Chase banks. We are left with really no solution from them and we cant get our money. By the way, all the funds long ago cleared.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: Experian Information Solutions 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:
A complaint was filed XX/XX/2023 against XXXX Collections as they are stating they have some sort of contract between themselves and XXXX XXXX. However, I myself am no party to any contract with XXXX XXXX and further state I have no relationship, contract, agreement, or marriage with XXXX XXXX. I do not recognize any enforceable contract by this party. They expressed that Principal Debtor XXXX XXXX signed the contract but provide no evidence of permission or authorization from the surety consenting to any arrangement. 

XXXX. XXXX XXXX does not possess any written consent or permission to use any title concerning XXXX XXXX. There is no evidence to the contrary. 

XXXX. XXXX XXXX further does not possess any authority that would authorize them to attach or furnish anything related to XXXX XXXX without the consent of the surety. There is no evidence to the contrary. 

XXXX. XXXX collections brought up a signature however any signature in their possession is not allowed to be in hands that are not clean, therefore any signature in Grimm Collection or Comfort Dentals possession alleged to belong to XXXX XXXX is not their property and is now RESCINDED. 

XXXX. Due to potential injury and prevention of irreparable harm, the surety is now XXXX for XXXX XXXX communicating to the debtor without his consent. 

XXXX. XXXX Collections, XXXX XXXX does not have permission or consent to furnish any information with any credit reporting agency and for XXXX sure DO NOT HAVE MY WRITTEN CONSENT. There is no evidence to the contrary. 

XXXX. Any and all consent to Experian, XXXX, XXXX, XXXX collections, and XXXX XXXX whether it be verbal, non-verbal, written or otherwise is now revoked. 

XXXX. Any and all granting of security interest to XXXX XXXX or XXXX Collections is now rescinded, revoked, null and 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 2023-12-07
Company: Opportunity Financial, LLC
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
It was about XXXX months ago I was having issues with my bank account so I contacted the company and informed them of the situation and asked them to stop auto draft. They stopped the one for that month but then withdrawal it the next month. So I called again to see what happened and informed them that I stopped the auto draft and needed the money back into my account They then informed me that they didn't stop it because it wasn't wrote up in the system and there wasn't anything they could do. Then asked had it been stopped they said yes, so I called back the next day and found out they still didn't stop it, it took me XXXX more days before they did stop and thats because I had to make them send me a letter to my email

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: SECURITY FINANCE CORP
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX vehicle was repossessed for XX/XX/XXXX payment even thought we discussed that payment being made XX/XX/XXXX. I have not had this trade line reported accurately since XX/XX/XXXX. It shows up as paid/closed. I contacted XXXX XXXX and the bureaus and they did nothing saying the company has undergone a systems update since XX/XX/XXXX and it would be accurate XX/XX/XXXX. NOT ACCEPTABLE. I recently incurred my 1st late payment when I tried to trade in the vehicle. I learned it was sold to me as a lemon. I was provided fraudulent car facts, and at the time of purchase the car was worth about 3000 well I paid XXXX already only the care and the company is asking that the loan be bought to XXXX for a mod meaning I was charge {$26000.00} for a {$3000.00} car. I made the XX/XX/XXXX payment with the understanding that I would get the MOD but when I did the company started throwing numbers my way asking for more payment. I am just done. I mean One you haven't reported that I paid you ... I could have had my mortgage last year had they accurately reported now that I'm over this predatory loan and need it modified you repo the car saying you will report the repo in XX/XX/XXXX/What happened to the current payments for all of XX/XX/XXXX and all of XX/XX/XXXX. This is simply unfair. What needs to happen for the consumer to be fairly treated?

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 XXXX. The following account is not mine XXXXXXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following account is not mine XXXX CXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 




However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX was paid twice, second time in XXXX. XXXX XXXX credit card supposedly sold to Portfolio Recovery Associates LLC XXXX. XXXX XXXX admits debt was paid. They are lying saying they contacted me in XXXX and are negatively affecting my credit score. They never contacted me in XXXX and the debt is originally from XXXX. Paid in full for the second time in XXXX when i did the mortgage for my house. Extortion because i started trying for a new mortgage and they sent me this letter and started reporting to credit again. Its so old it shouldn't be on my credit report or able to be collected. Especially when it is paid!! They don't even have any original paperwork showing a debt was ever owed. 
It is showing on my credit as paid in full but negative. XXXX XXXX bank agrees its paid. 

the address for Portfolio Recovery is XXXX XXXX XXXX XXXX Va XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Talbot, Adams, & Moore, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Attempted to contact collections company to settle or pay debt. Found the following information that the collection company is Inactive Status listing all contacts below and request Immediate Removal from All Credit Reporting Bureaus I have attempted to contact Talbott, Adams & Moore to set-up a settlement on your behalf however we contacted the following numbers below and discovered the company is Inactive. We also found them on a rip-off report site. https : XXXX Phone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX TX XXXX XXXX XXXX TX XXXX Not to mention on the Credit Report they are not listed as a Creditor with contact information! 
Main Data Company Name Talbott , Adams & Moore , Inc. 
Company type XXXX XXXX XXXX XXXX TX XXXX number XXXX XXXX XXXX XXXX Company Status Inactive Agent Talbott , Adams & Moore , Inc . Description Talbott , Adams & Moore , Inc. is a company started on XXXX and registered under ID XXXX. Employer Identification Number ( EIN ) / Tax ID of this company is XXXX. This business is listed as a Foreign Profit Corporation. 

Talbott, Adams & Moore , Inc. has two directors. They are : XXXX XXXX, XXXX XXXX. 

Talbott, Adams & Moore , Inc. agent is XXXX XXXX XXXX XXXX. This agent address is XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I make my payments about 10 days after the due date, therefore incurring {$15.00} fee each time. Even though it NOT 30 days past due. However, I still pay the fee by including it in my total payment adding it to my normal monthly principal and interest charge. However, Ally does not separate it out, nor do they have a process to mark it online or over the phone as including an extra {$15.00}. Instead, they keep applying the {$15.00} late fee to the principal and interest every month. Therefor, rolling over late fees every month as if I've not paid them when i have. 

I've tried explaining this to Ally on several occasions. They need to do a reallocation month over month. I've spoken to someone in XX/XX/XXXX, Spoke to XXXX on XX/XX/XXXX Ref # XXXX and XXXX in XXXX Ref # XXXX his employee id is XXXX. They continually state that because of the new year, and their system issues, they are not able re-allocate it in real time and then my request gets lost. They are not able to fix this while on the phone, they state they need to put in a special request and they " notate '' the account. This latest time, on XX/XX/XXXX, I just paid all the fees ( again ) along with my normal payment. The total paid on XX/XX/XXXX was {$690.00}. Then on XX/XX/XXXX they charged me an additional {$15.00}. Mind you, I have never been 30 days late on payment. Lastly, customer service is horrific. They don't listen, they only repeat their pre-arranged scripts and they make you wait on hold for over 20 - 30 minutes to talk to a manager. Each time i have called, i have had to explain the situation over and over again because I'm sure they didn't notate the account, and only told me they did. They fight with you telling you that you are wrong. They don't do as you request, even when only asking to speak with a supervisor or manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was taking a look at my credit and saw several accounts on my credit that I dent know anything about. I need someone to help me with this becasue I dent know what to do now XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and there is another account with no name but the account number XXXX. I also saw where a lot of people ran my credit and Im just seeing this and I did tell them to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reached out the FTC and XXXX doing this on my own for really ask for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX XXXX, has 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE 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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03
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:
Experian enclosed is a legal goverment document from the furnisher XXXX  to the CFPB in response to a complaint for over a year with you please remove XXXX XXXX As per the furnisher response enclosed . if you feel you want to investigate this and not remove it at once FIVE DAYS then I feel I have a legal right against you to file a law suit you for purjury and false reporting not to say personal damages to my self and family, DR visites car wreck, personal loss, from your credit reporting I have all documents, an  these documents to use against you so PLEASE REMOVE AS PER RESPONSE .Please respond here to this case in 5 days removal or not 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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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 XXXX ; XXXX, XXXX, XXXX; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$400.00}.

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