BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-16
Company: JPMORGAN CHASE & CO.
State: AZ
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:
Chase Bank held my stimulus check so that I would overdraft my checking account. Once I did overdraft my stimulus check was made available. Chase then credited money to my account without my authorization for all fees accrued due to them holding my stimulus check. Then they took the amount credited from my account 29 days later, which was when I was made aware that this was happening with my account. I did not sign or offer any approval and did not at anytime ask chase bank for any assistance with anything regarding my stimulus check. Assistance is for those who need it, how does Chase determine who needs assistance without first communicating and asking thier consumer? I have no rights as a consumer if I have no choice in regards to my funds. Sending an email is not proper notification for chase changing their service agreement in regards to overdraft fees and not first sending me documentation and proper notice they are doing so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I used the Chase drive-up atm machine on XXXX XXXX XXXX XXXX XXXX. I deposited crisp {$100.00} dollar bills and when the machine counted my money, {$200.00} was missing. I canceled the transaction thinking it would eject all of the money that I deposited but the {$200.00} was still missing. I drove around to the teller and she said I would have to call the 1800 number but she ensured me that it was not possible for my missing money to come out for another atm user. It was XXXX XXXX and I still needed to deposit the money so I deposited what I had and as soon as I got home I called the 1800 number. They deposited the missing {$200.00} into my account while they did an investigation. Then I got a letter stating that they were taking the money back because they could not find my transaction. I immediately called them and told them that there was no atm transaction because I canceled it to get my money back. I asked if they checked the atm machine for the money that was probably jammed in there and was told that they had no information on what investigation was done. After getting nowhere with them, I called my branch bank back and explained what had happened at their atm. The employee then called the same XXXX number back that I had already spoke to and this time they told me that they did check the atm machine and there was no money there. Either the money was ejected for another customer which they ensured me would not happen or whoever checked the machine found the money and it was not returned to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I am writing to file a formal complaint regarding the failure of the credit reporting agencies ( XXXX and Experian ) and the debt collector [ XXXX XXXX XXXX ] to verify disputed information on my credit report, as required by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 



On XX/XX/2023, over 60 days ago, I filed a dispute regarding : XXXX XXXX XXXX Account Number : XXXX on my credit report. As per FCRA 1681i ( a ), the credit reporting agencies are required to conduct a reasonable investigation and respond within 30 days. Additionally, under FDCPA 809 ( b ), the debt collector is also required to provide verification of the debt upon request. It has now been 77 days, and neither the credit reporting agencies nor the debt collector have provided any verification or response regarding the disputed item.

The presence of this unverified information on my credit report and the failure of the debt collector to verify the debt have adversely affected me i invested XXXX on a business and currently trying to get it funded and because of there action I'm missing on a XXXX funding process because i keep getting denied.

According to FCRA 1681i ( a ) ( 5 ) ( A ), if the credit reporting agencies are unable to verify the disputed information within the required timeframe, they are obligated to delete the item from my credit report. Furthermore, under FDCPA 809 ( b ), if the debt collector can not verify the debt, they should cease collection efforts. Given that it has been XXXX  days without verification from either party, I am requesting the CFPBs assistance in ensuring that the unverified information is removed from my credit report and that the debt collector ceases collection activities as mandated by federal law.

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 2023-03-18
Company: EQUIFAX, INC.
State: TN
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 XXXXXXXX, # 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 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 explanation
Consumer complaint received 2023-08-24
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:
In noticed a XXXX  XXXX BANKRUPTCY from XX/XX/2015. I have no idea why this is being listed on my report and it should be removed. I recently investigated this with XXXX XXXX and I sent in the results stating that it was removed below.

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 2022-02-09
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a balance owed to Midland credit management llc on XX/XX/XXXX around the amount of {$1200.00}. I had paid down the debt to {$660.00} by XX/XX/XXXX which was reported on time by midland credit management on time. A conversation I had with a manager that urged me to want to pay the account off as soon as possible because he was threatening to sell my account elsewhere. By XX/XX/XXXX I had paid down the debt to {$0.00}. This action has yet to be updated and yet to be reported to the three major credit bureaus by midland credit management. XX/XX/XXXX I reached out to the company to resolve the issue and to see if they can update my paid off status to the credit bureaus. They declined saying that I had to lift my dispute first in order for them to help me. I feel that I do not need to list my dispute that is based on the truth in order to resolve this issue. They went on to even report an accurate information to the credit bureaus even after the dispute was made. Further destroying my credit. They have on my credit report that {$660.00} was the original account balance and that is not true. I paid the balance down from {$1200.00}. They are also saying that I owe {$660.00} as of today that is not true. They sent out a email XX/XX/XXXX saying that I owe {$660.00} and that it will be automatically taken from my account. I do not owe {$660.00}. I owe {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent a multiple request and asking, how they verified this account as accurate. I requested the company to provide me documents validating the debt as mine but they never sent me those documents. I am not familiar with the accounts that they are trying to collect. I don't remember having this account XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$560.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX XXXX : {$390.00}

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
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
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:
In accordance with Fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 602a there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness and partiality and a respect for the consumer 's right to privacy 15 USC 1681 604a section 2 subject to subsection c any consumer reporting agency May furnish a consumer report under the following circumstances and no other in accordance with the written instruction of the consumer to whom it relates 15 USC 1681 section 281 reporting information with actual knowledge of errors of person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. I have sent all required documents to the bureaus as attached. which are my driver license, social security card, current bill police report and also letters to each bureau with fraudulent account noted. and none of the accounts where remove

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 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
violation of my right to privacy, unauthorized use of my credit 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 2023-02-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
INFORMATION ON MY BANK : XXXX  XXXX XXXX XXXX XXXX XXXX Florida XXXX Via XXXX : XXXX Re : XXXX XXXX XXXX XXXX XXXX Account XXXX for XXXX XXXX Credit Report Time Period Ending : XX/XX/2017 Reason for Correction : Missed payment was due to a XXXX XXXX XXXXXXXX Auto-pay glitch that I had no control over. This one missed 30-day payment history is destroying my credit rating. 

PEOPLE I HAVE CONTACTED : XXXX  XXXX XXXX chat representative via XXXX, called the XXXX number given to me for auto loans and they told me to write a letter to the address stated above. Filed numerous disputes with credit agencies, and filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX who directed me to CFPB. 

BANKS LACK OF RESPONSE : The bank has not responded to me. All of the complaints I have filed with the credit agencies never change my account and there isnt a reason. I got to pick from a multiple-choice list and that serves as my statement on the credit report. The closest description I found was delinquency due to disputed billing procedures. 

I want this mark removed from my credit report. I have a big event coming soon that I will need to apply for credit for and this one little 30-day missed payment, a payment that was missed due to the bank 's autopsy glitch, is destroying my credit rating. If they won't remove it, I want an explanation as to why. I'm not asking for a good-faith removal, something that XXXX XXXX  XXXX does NOT do, I'm asking because it shouldn't be there to begin with, this is XXXX XXXX  XXXX XXXX mistake, not mine. It's hard to believe what one small missed payment can do to one 's credit rating. I want it fixed. I have been trying for years to get this fixed and now it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX  and XXXX  are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 4th dispute letters to XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been in dispute with Citi Bank over an account takeover that took place on XX/XX/XXXX. I contacted Citi immediately on XX/XX/XXXX and XX/XX/XXXX. 

Since the account takeover, I have filed a police report and provided this to Citi Bank multiple times via phone calls on these dates : XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and I have communicated with Citi Bank tirelessly via phone calls and fax that over {$15000.00} in unauthorized charges were taken out of my Deposit account on XX/XX/XXXX. As a result of Citi Bank allowing the Fraudster to act on my behalf as the consumer and allow the account takeover on XX/XX/XXXX additional unauthorized accounts were opened in my name, they applied for a personal loan, along with additional unauthorized funds transferred out of my account. I was notified of this by Citi once I was able to talk to a validated Citi employee and as of today, XX/XX/XXXX, I have not received any provisional credits based on Regulation E and Regulation Z. 

I have appealed all of the open cases with evidence of this account takeover and Citi Bank has not provided evidence as to why these cases have not been resolved and provisional credits not provided. 

As a consumer who has been banking with Citi Bank for several years, I find these actions from Citi Bank to be very dismissive, irresponsible and lacking accountability as a top XXXX financial institution. 

As of today, XX/XX/XXXX, I have contacted Citi Bank for the 7th time and I'm getting the same responses over and over again, 'they have opened an appeal '. Ultimately, I want this resolved and the funds returned to my account. 

I am also notifying the Attorney General 's office.

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 2022-11-01
Company: Hollis Cobb Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I had XXXX XXXX performed by XXXX XXXX XXXX XXXX XXXX XXXX I NEVER received a billing statement, phone call or voicemail regarding a bill that I owed. On XX/XX/XXXX I received 4 billing statements from Patient Accounts Bureau which is a collection agency for the XXXX XXXX XXXX XXXX XXXX XXXX I called my insurance company XXXX XXXX XXXX XXXX to ask if they could reach out to XXXX XXXX of XXXX XXXX XXXX XXXX ) XXXX on the three way recorded line. My health insurance representative, XXXX, ( ref # XXXX ) made contact with XXXX XXXX supervisor ) with myself on the phone. XXXX advised that a billing statement was mailed to me on XX/XX/XXXX and XX/XX/XXXX. She also advised that phone calls were made to me on XX/XX/XXXX, and XXXX. I advised XXXX that I NEVER recieved a billing statement or voicemail regarding the medical bill. I also advised that I had just had my services XX/XX/XXXX and questioned why was the bill sent out 20 days later and phone calls to collect payment without giving the insurance ample time to pay or the bill to settle. XXXX said she didnt have an answer to my question. XXXX advised that my account was still in their possession. I asked XXXX why was a collection agency ringing my phone for a debt that I do not owe them and they still have my account. I also asked how did they expect me to know I owed them money if they sent out only 2 bills ( that i never got ) and the last one was in XX/XX/XXXX and it was XX/XX/XXXX? I was never afforded the opportunity to pay or make arrangements to XXXX XXXX XXXX XXXX XXXX before being sent to collections. This impacts my credit. I read the reviews for XXXX XXXX and there were more than dozen of others with the same claim that I was experiencing. After XXXX advised that they still had my account, I thought Great, but I need to set up a payment agreement. She advised that I had to pay the whole amount by XX/XX/XXXX, or the account would be with Patient Accounts. I also submitted a complaint to the XXXX XXXX XXXX but no response. Again, I was never allowed due process by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Jet Lending Inc.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Lender is supposed to help refinance the house. I had already gone through the process and step to refinance the house back in XXXX of XXXX. I told them I wanted to move forward with the process because the value of the house exceeded the previous appraisal value back in XXXX. At the time my credit was XXXX, and another I cant remember. I was told I could get 50 or 60 % of the value. The lenders loan officer were no help on anything I asked of them. I also had money left in escrow. Now they are telling me the house went through foreclosure without notifying me and now they are saying I have to buy the house back

Company response to consumer: Untimely response
Consumer complaint received 2022-11-01
Company: Early Warning Services, LLC
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:
XX/XX/2022 XXXXXXXX XXXX fraudalent transfer via zelle payment on XXXX XXXX  to XXXX XXXX. initialIy the payment was placed on hold for security reasons but was nevertheless confirmed.called XXXX XXXX to dispute as well as zelle but they did not agree to refund.

Company response to consumer: Closed with explanation