BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-15
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX, I purchased via XXXX with a Chase Debit card airline tickets with XXXX XXXX for a flight from XXXX XXXX to XXXX XXXX with a departure date of XX/XX/XXXX and return date of XX/XX/XXXX ( Confirmation # XXXX ). I had purchased these tickets for {$830.00}. I had canceled these tickets at around late XXXX and asked for a refund. My refund request was granted and I began waiting for a refund. 

On XX/XX/XXXX, XXXX XXXX contacted me asking for my banking information for a wire transfer as the card I used was canceled ( which was true ). I sent over my wire transfer information and was told it should arrive within 10 business days. Those days passed and I did not receive that refund in my bank account ( I had asked for the money to be wired to my savings account with XXXX XXXX  and they use Chase as an intermediary ). I called XXXX & Chase to ask if they had received the refund and if it was on its way and both said no money was incoming or did not have enough information to know. I called XXXX about the situation and they told me it would be 'high priority ' I called back 1 week later and was told that the 'high priority ' status meant nothing and that their refunds department made an error and that they would rectify it. It did not get rectified and I called back 3 more times over the month of XXXX, with the last time I called telling me to go take it up with XXXX. 

On XX/XX/XXXX, I opened a claim with Chase and asked them to get the refund on my behalf as XXXX XXXX XXXX seemed unable to do that with my calling. I sent documentation about the steps I took to get my money back with XXXX XXXX, including a refund invoice they sent me as proof that they sent the refund. The refund invoice has the wrong bank account listed on it and is not the one I had sent them. I also sent copies of the emails I had with XXXX XXXX regarding my refund and a copy of my bank statements from XXXX XXXX  to prove I had not received the money. 

On XX/XX/XXXX, Chase Bank denied my claim, saying that as the initial purchase of the tickets was authorized there was no fixing they needed to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: VA
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:
Inquiries - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Everything on a Consumer Report is supposed to report " to maximum possible accuracy '' 15 USC 1681e ( b ) The FRCA states that " transactions, experiences, authorizations, and approvals of credit '' are not included in your Consumer Report.

15 USC 1681a ( 2 ) ( A ) ( i ) ( B ) It is my belief and information, that these inquiries are a rush to judgement and is a violation of my constitutionally protected rights. Please validate this claim signed with a wet signature by a man or woman under penalty of perjury.

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 2023-01-20
Company: Dunlap Gardiner LLP
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have new and updated information regarding complaint XXXX : Dunlap Gardiner , LLP provided false and misleading information by claiming that both their office and the management office has provided documentation to validate this alleged debt. I've received harassing documents from them in a continued attempt to collect an unvalidated debt, but I have NOT received what the FDCPA states I should receive when debt validation is requested.

Upon many requests, Dunlap Gardiner, LLP, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has failed to provide proof of the existence of a LEGITIMATE ENFORCEABILITY AGREEMENT between myself and them. Being that there is no such agreement, they have no legal authority to request or demand payment from me. I have been misled, harassed, and taken advantage of by these companies joining together in deceiving me into paying these unfair and unethical annual assessments without any such legitimate agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: REGIONS FINANCIAL CORPORATION
State: GA
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:
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.

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 2022-02-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/22 I received a bank card I had not applied for from XXXX XXXX. On XX/XX/22 my XXXX XXXX sent me an alert informing my SS was found on the dark web. On XX/XX/22 XXXX XXXX sent a text asking that I approve a payment. I did not make any purchases with a XXXX XXXX card. It became clear to me my identify was being used by someone. 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 explanation
Consumer complaint received 2021-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/21. 2 Refunds issued to Bank of America for my account. Issue my account was closed. Bank will not help me. XXXX XXXX XXXX has asked that I get documentation from the bank on two transactions to show that Bank of America returned the funds to carnival. Bank of America wont even run the transaction numbers all I get is were sorry. For your issues you will have to deal with XXXX and all I get from XXXX is contact the bank. Im at wits end. And dont know where to go. I just need something from the bank that shows they returned the transactions. Please help

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 2021-09-29
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My original home loan started off with XXXX XXXX for a monthly payment of XXXX a month, but my loan was bought by Rushmore Loan Management service from XXXX XXXX and my notes have been going up every since then. Rushmore has been charging me for late fees when I am not late, charging me for escrow, and was charging me for home insurance when I already have a home insurance policy. Rushmore here recently made my banks checking account go into NSF because they decided to take out more then the required amount of funds for my note instead of XXXX dollars they tried to take out XXXX dollars which made me XXXX in the hole, now there saying the payment for XXXX was not received which I know it was because I have a email conformation. As for as charging me for home insurance they had to refund me back for that but I do not see where they did in my balance, I have email correspondence between Rushmore and myself for proof of this fraudulent behaver.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. XXXX XXXXCODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete From My CREDIT REPORT 8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 

9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. 15 US-CODE 16921 ADMINISTRAIVE XXXX XXXX  Account Number : XXXX Delete this account. 

13. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX Placed me on collection with out proper notification and when I looked at my Credit reports XXXX, XXXX, Transunion, all the information on it was wrong. Date opened date closed on my report and Dollar amount was wrong as well. Worse of all when the account was closed, XXXX sent an email and it said that I have a credit. I have written to all the credit bureau 's but with proof of full payment and dates open and closed they correct that issue but refuse to remove the false collection of which was paid in full. But they all write back saying that the account was verified

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 2023-11-19
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
* On the 7th of XXXX I took a check I recieved from XXXX XXXX XXXX ( retirement/ stocks dispersment ) for {$85000.00} to chase Bank to be deposited * At that time I opened a new checking and savings account CHASE CHECKING ACCT # XXXX *I was informed it could be 7-10 business days for the check to clear * On the XXXX of XXXX my account with chase showed available balance of {$85000.00} and went to bank and withdrew {$5000.00} from a teller because I did not yet have ATM card. 
*about a week later I went back to chase Bank to withdraw some more money from my account and told chase had closed my account and no further info and when I asked about my money told would have check sent to house in 10 business days.

* at this time and for about 3 more weeks account showed as still open on there telephone system.

* called many times in those 3 weeks always being told when account processing completed closing chk would be sent.

* went down to Bank branch and was told there they were still trying to verify funds on the check and couldn't send check for balance on account until then. Stated they couldn't find verifiable phone number for XXXX XXXX. and gave no further info * went back to bank branch told same info and tried to provide them with multiple numbers for XXXX trust from bank statement and official internet site for the business told those numbers didn't matter because not verified phone numbers in there system asked what can be done they must have something set up to handle this situation and they told me there is no policy for next steps for them to get a phone number and that I needed to have the owner of XXXX XXXX call from a verified number and verify my check. HOW A PERSON IS SUPOSSED TO MAKE THE OWNER OF SOME BIG COMPANY MAKE A PHONE CALL FOR THEM they didn't know but told me it's what I needed to do. TO ME THAT SEEMS PRETTY IMPOSSIBLE!! 
* SO to me I feel like they stolen my money when I talk to XXXX trust they say that the check shows as already cashed in there system * but chase claims it hasn't been cashed even though how did I have available balance of XXXX and withdraw XXXX if the check wasn't cashed. 
* and I know they are allowed to close an account at anytime but they should have to give a person there remaining balance and my account said balance was XXXX before they closed it * they refuse to give me a new check or even return the old check * also side note they had no problem cashing a check for {$74000.00} + from same company 1 year before no issue with verified phone number or anything I FEEL LIKE I AM IN A HELL LOOP AND GETTING NO WHERE I JUST NEED MY MONEY AND CHASE WONT HELP ME TO GET IT BACK FROM THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting 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 recently received a new credit report for EXPERIAN. 

I found some inquiries that I don't recognize, and I would like for EXPERIAN to delete all those inquiries from my report.

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 2023-06-27
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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-06-14
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:
This is the third time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: DC
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:
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: NJ
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 profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Upstart Holdings, Inc.
State: MO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, I reviewed my consumer reports and noticed that I had a Charge Off account from UPSTART Account number : XXXX Reported XX/XX/2022 on my consumer report. Ive called Upstart and sent a letter out certified mail green return receipt signed from them and still no reply, asking them on the phone for the 1099c that they filed the taxes on, so I can report it as income and they told me that they do not have it. THAT IS TAX FRAUD and I am demanding this account to be deleted from my consumer report. They also said that they sold the account to XXXX XXXX XXXX, however XXXX XXXX did not furnish the inaccurate information on my consumer report, UPSTART did, So Upstart must delete this inaccurate information from my consumer report. Not only did Upstart get a tax break they've also sold the alleged obligation to another company XXXX XXXX XXXX which is a benefit to Upstart. I feel used. This company have : assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXXThe IRS Clearly defines a Charge Off as Gross or Ordinary income, Income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something As Defined by The IRS. 

I'm demanding this account to be deleted from my consumer report, because they're reporting it as a Charge Off. This reporting is inaccurate and must be deleted.The IRS Clearly defines a Charge Off as Gross or Ordinary income, Income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I already sent Debt Validation ( XXXX Letters ) dated XX/XX/2022 for the items listed under my account which is inaccurate and is giving a bad impact on my credit report. I also sent another letter for the method of validation. It's been more than 30 days and I haven't received any response.

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