BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
JP Morgan Chase bank closed my checking account with $ XXXX available as a balance. A check had cleared my account written by XXXX XXXX XXXX as a claim settlement from a total loss automobile accident for XXXX XXXX XXXX XXXX  with just XXXX miles purchased less than three months suffering as a result XXXX XXXX XXXX due to XXXX XXXX XXXX insured drivers 100 percent at fault. I represented myself as pro se with all attorney terminated. Was told that my money was been send and would received it in ten days according Chase. Chase had misplaced my first check in XXXX with mal intend. A second check was reissued after chase lost the first $ XXXX by dishonest employees engaging in fraud, manipulation, and illegal banking collusion trying to steal my $ XXXX. I called XXXX XXXX XXXX and was confirmed the the $ XXXX had written cleared my account with all correctly submitted supporting documentation presented in goodfaith as 100 percent entitled to my money. After the check have properly cleared my account through Federal Reserve or bank check clearing process, they want me to have XXXX XXXXXXXX XXXX reissued a third check that have already been cashed out of XXXX XXXX escrow account. That is collusion and fraud. And, it is illegal with reckless neglect for banking law and legally acceptable documentation provided by me providing ownership of funds 100 %.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
When I tried to log into XXXX with correct user name and password, I was asked to input one-time verification code. There were 3 options, text message, phone call, and call in to get a code. Since my cell phone was damaged at the time, I called in using XXXX to get a verification code around XXXX XXXX  PT, XX/XX/2020. I called XXXX, the number shown on the webpage. The phone has been transferred 6 times. The first person verified my card number, name and said he was in the debit card team then he transferred me to another person. The second person verified my card number, name and security words and said she was only the customer service team then transferred me to the identification team. The third person only said hello to me and transferred me to the 4th person. The 4th person verified my card number, name and security words and said she is from the customer service team and will transferred me to the identification team. The 5th person verified my card number, name and security words and said she will need to verify my public records. After verify the records, she said she would send me to the automated system to give me the code. However, after the transfer, a 6th person picked up the phone, verified my card number, name and security words, and declared he was from the customer service team. The phone had been transferred to the 7th person, who supposed to be supervisor. Still, the supervisor verified my card number, name and security words and did not help. After 1 hour on the phone, nobody actually helped and I was still not able to log into my own online banking.

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 2022-12-04
Company: InDebted Corporation
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Indebted has communicated with me via emailed me multiple times with out my prior consent and at a inconvenient time violating 15 USC 1692c. Indebted infringed upon my rights to privacy. You are now on Notice check attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Credit Bureau of Jamestown, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was NEVER contacted by CBJ Credit Recovery XXXX XXXX XXXX XXXX XXXX NY XXXX main phone XXXX XXXX Office phone XXXX XXXX XXXX This company without Ever contacting me CBJ directly filed a false report to XXXX and damaged my credit score without my knowledge stating I owed them a false amount of {$130.00} The company XXXX XXXX notified me my credit score will change due to this claim being filed under my social security number. The same day XX/XX/XXXX, I called the CBJ because I did not know who they were! and found out they were representing My XXXX XXXX XXXX XXXX. I spoke with XXXX who said she was the supervisor at that location XXXX XXXX XXXX and stated she did not get paid from my XXXX my insurance company for two dates of service XX/XX/XXXX and XXXX XXXX. I immediately called XXXX twice since XXXX XXXX and XXXX XXXX to follow up and this whole incident is a lie behalf Of CBJ Credit recovery. They were paid plus they should Not file a report on my stellar credit report ever! how dare they misuse their power having my information never contacted me and in addition being paid from my insurance company continue and not clearing my credit report. They should be penalized with a fine to pay for their carelessness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: United Group Inc.
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I had a loan thru united finance as of XX/XX/XXXX -- a little after I received this loan I had to go out on short term leave, where I was only receiving 65 % of my pay and I was getting garnished also so I was receiving only 300-400 dollar checks I informed XXXX of my hardship an he did not offer no help just waived a late fee -- My garnishment should of ended XXXX. My XX/XX/XXXX payment I had planned on paying this on XXXX but I ended up getting garnished which caused me to be short, I advised this to the company letting them know I would have to wait for a refund from the company who took money- Ufortunatley I got garnished again on my next pay period in XXXX XX/XX/XXXX, my employer told me I would get that money back in 1-2 pay periods. 
I was only 30days when they took my car on XXXX I finally got all the refund by XXXX but by then I was advised I would have to pay {$1300.00} in cash to get my car, which is way more than 2 payments. 
This company advertises on the they help and I was offered nothing in my financial hardhsip

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX, and I am submitting this regarding the unauthorized inquiries I found on my Credit Report. The last dispute I sent to the Credit Bureaus was XX/XX/XXXX but I received nothing from them. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, XXXX, and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and FCRA section 605b, and continued to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 
XXXX Inquiry Date XX/XX/XXXX XXXX-XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX I XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX/XXXX  Inquired on 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 2022-05-31
Company: Payward Ventures Inc. dba Kraken
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My account was frozen, all my XXXX XXXX asset was taken from my account by Kraken after I made a deposit with the amount, Im losing money because Im not able to sell my UST for market price. Customer service not replying to emails, agents who answer phone calls have no clue. An extremely serious disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submit this complaint as I am scheduled to update my credit reports within the next 15 days. I am determined to ensure the removal of the following items from my credit reports : -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is imperative to reiterate, in accordance with FCRA Section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report. For your reference, I am re-attaching my FTC report with the reference number # XXXX. Furthermore, the Fair Credit Reporting Act mandates Credit Reporting Agencies to eliminate any items in the consumer 's file identified by the consumer as information resulting from an alleged identity theft within four business days of receipt.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: VA
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 was doing a credit check and saw my score had dropped drastically i followed the instructions and called each company to dispute all the companies did inform me that the mailing address was not my address and the accounts had been opened online i informed them they are not my accounts that someone was using my personal information. XXXX told me to report it to ftc.gov

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 2023-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was a victim of some online bank scam someone had gotten ahold of my bank card info and tried depositing a check into my account then tried transferring funds. The bank had froze my account because they knew it wasn't me. In the terms and conditions in Bank of America 's welcoming packet it states if anything happens like what happend to me they would provide an attorney for me to handle the case. But instead I had been arrested and had to pay for an attorney and to get bonded our of jail. I lost a good family friend and customer. Because I have a construction company. I had went into my local branch and asked for XXXX and all paperwork that had to do with the for said transaction aswell as if they would provide an attorney for me and they refused to do anything there packet said they would or even give me proof of what they told me that happend with mine and my mother 's bank account so I could get the charges dropped and they refused to even provide me with the transaction papers which I was getting blamed for. When if I did try doing what they said then give me the paperwork for my account and transactions? Now I have a charge on my record because the District Attorney would not listen to me nor the law or allow me to represent myself. So I had to hire an attorney because both court appointed attorneys would not fight for me even tho I provided proof I was innocent and showed them the law and asked them to state this to the judge and they wouldn't and said if I don't plead guilty I was going to prison so I then paid an attorney alot of money for somthing that was done online and had nothing to do with me but it had to do with someone in XXXX had my account info somehow just so I wouldn't get jail time but my attorney said seeing as I was arrested in the pass that I had to plea guilty because the Distract Attorney will not reduce the charges anymore so plea guilty and go home or fight the charge and pay thousands of dollars and still get jail time. So I just said I guess if I have no choice I will plea guilty so I don't go back in jail for something I had nothing to do with. I feel Bank of America should be responsible for paying for an attorney and have my charge reversed and dismissed and pay me back all the money it cost me for lawyer and bond and loss of wadges and deformation of character etc.?

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 2022-05-31
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: 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. 
XXXX  XXXX  # XXXX, XXXX  XXXX  # XXXX, 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 2023-04-02
Company: ENCORE CAPITAL GROUP INC.
State: IN
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:
Midland credit management It's stating that I have a debt with XXXX  XXXX XXXX  for the amount of {$610.00} Open up XX/XX/2021 and I've never had this account don't know what it is and I've been disputing this with them for a couple years now and I keep your sayinformation is correct And won't take it off And I don't know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on ALDOUS ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My problem is with Comenity Bank and/or with their debt collection practices. 

I had an XXXX Credit Card with XXXX XXXX XXXX. Late XXXX, Comenity Bank apparently took over the closed account or they took over debt collection for a closed account. But the situation was very unclear and suspicious and appeared fraudulent, because I never had an XXXX Credit Card with Comenity Bank, as they had portrayed. They refer to this account as " XXXX XXXX XXXX ''. The situation looked fraudulent to me, because it seems like some suspicious phishing scheme that does not know how to spell " community ''. 

Nonetheless, I followed the instructions and paid them the requested amount of {$150.00} on XX/XX/XXXX, following their website instructions. Documentation attached or available from my XXXX account. 

Comenity deposited the check for {$150.00} on XX/XX/XXXX. Documentation attached or available from my XXXX account. 

During this time, I also disputed this incident and the negative remarks with the Credit Reporting bureaus, like XXXX, XXXX, etc. Also, it seems like a {$150.00} amount was credited to another Comenity Card that I have with " XXXX XXXX ''. So my thinking had been that perhaps, as part of the closure of the issue with the credit score disputes, they credited the check to " XXXX XXXX '', after closing out the Debt at " XXXX Credit Card '', previously with XXXX XXXX XXXX. On XX/XX/XXXX, Comenity sent me a Refund Check of {$150.00}. I have done nothing with this check, as it seems like a " scheme '' to draw me back into debt collection and " late fees '', if I were to deposit it. 

On XX/XX/XXXX, the daily calls and emails from Comenity Bank resumed regarding " XXXX Credit Card ''. 

My concern is that I am in an endless loop of debt collection with this company, for which they will charge " late fees '' and degrade my credit score. I followed their instructions, paid {$150.00}, which they received and deposited. 

My desired outcome of this complaint is that Comenity Bank should properly account for the check that I had previously sent them, and/or otherwise, close the case of this debt. They should no longer contact me regarding this debt. Additionally, they should please close my other account with them. I want no relationship and no contact with Comenity Bank, as they seem phishy, disreputable in the handling of this matter, and they have aggressive daily phone calls, when I have previously request " stop contact ' and only communicate with me via certified mail. ( Documentation attached and/or available. ) Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: MD
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:
The Credit Bureaus never did a proper " Investigation '' according to the FCRA The Term " Investigative consumer report '' mean a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer report on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They Did Not Do This.

Also, They have violated my rights even more In Accordance With The Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit Bureaus Stated my accounts was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This Grounds for Removal.

They also violated the law because according to 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 : Its also states a consumer reporting agency can not furnish a account without my written instructions I did not give anybody 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 2022-05-31
Company: Resurgent Capital Services L.P.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have several collections accounts on my credit report through LVNV and Resurgent. They keep calling and threatening me and calling too late at night!! It's ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: National Credit Systems,Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

The Credit Bureaus are reporting inaccurate information on NATIONAL CREDIT SYSTEM ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: DISCOVER BANK
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:
I've contacted XXXX, XXXX, and XXXX with my second dispute letter because the first one was sent and no fix was adjusted to the error on the hard inquiry hit on my credit report, that isn't an authorized application from myself. My first dispute letter took them over 30 Days to address. This second letter was sent out on XX/XX/XXXX, which states The inquiry was not authorized DISCOVER FINANCIAL SER  Date of inquiry : XX/XX/ Please remove it from my credit report. 

I've requested for this Hard inquiry that is not mine to be removed from my credit report, as fraudulent activity.

Company response to consumer: Closed with non-monetary relief