BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-06
Company: JPMORGAN CHASE & CO.
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:
Numerous reports of delinquencies on my credit report for my XXXX XXXX XXXX lease through JPMCHASE finance. JPMCHASE did an investigation and identified they made mistakes and reversed the 6 months delinquent reporting. Now, two months later the delinquent reporting has come back with new dates reporting XXXX and XX/XX/XXXX past due 30-60 days. 

Calls to JPMCHASE confirm no balance is or has been past due. 

My credit report is severely tarnished once again and has caused tremendous issues with bank loans and home refinance. 

JPMCHASE has been extremely difficult to work with. Im unable to get phone support and agents once again say there isnt a problem. My credit report says otherwise. This has been ongoing over one year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
PNC bank is unable to send money to XXXX  online trading. 
I have been tring from XXXX XXXX I have been trying to send a total of {$1500.00} I have tried lower denominations but the back account will not link.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: CULLEN/FROST BANKERS, INC.
State: TX
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:
I have contacted the original creditor and also the collection company that it was sold to. I have asked for verification of debt but no one has sent any correspondence. I have disputed the information many times but they refuse to acknowledge the dispute. I continue to place fraud alerts onto my credit but for some reason the information is still being released and over looked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: LA
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-07-10
Company: BROKER SOLUTIONS, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I'm low income only making {$12000.00} annually and unable to pay monthly my mortgage. I need help! 
I can't find on your site help from Government free money. 

Please email me the link to apply an application to get free money. 
Here 's my email : XXXX Thank you for your support!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax Credit File Reporting : Violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 1. Several mistakes on my credit report appear minor, but I was told they are affecting my credit score and costing me money. 
Equifax 2.XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full as agreed after a consumer dispute with the creditor. Using derogatory language, Charge_off to describe a paid in full as agreed, is damaging to a potential lender when looking at my credit report. Your reporting is inaccurate. Please contact the creditor to confirm that this account was paid as agreed. 


XXXX  XXXX7 ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full as agreed after a consumer dispute with the creditor. Using derogatory language to describe a paid-in-full as a charge_off damages a potential lender when looking at my credit report. Your reporting is inaccurate. Please contact the creditor to confirm that this account was paid as agreed. 


XXXX XXXX8 ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full as agreed after a consumer dispute with the creditor. Using derogatory language to describe a paid-in-full as a charge_off damages a potential lender when looking at my credit report. Your reporting is inaccurate. Please contact the creditor to confirm that this account was paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX at XXXX, I received a direct message on XXXX from an account claiming to be a graphic artist and offering to do work for me. On the same day, at XXXX, I engaged the " artist '' and we came to an agreement on what I wanted and a price ( {$50.00} ). I was told that as soon as they received a confirmation of payment through CashApp, they would start my work. At XXXX, they provided their cashtag which is XXXX  XXXX. I then sent the payment and at XXXX, provided the screenshot of the payment being completed. The next day ( XX/XX/XXXX ) at XXXX, I was accused of not sending the payment. At XXXX, I logged on to my online banking and took a picture of the transaction showing that it was out of my bank account and processed. After some back and forth arguing, I once again sent the bank account transaction AND a screenshot of a completed payment from me to XXXX XXXX through cashapp. At XXXX, this person had the audacity to ask me for ANOTHER {$20.00} to " clarify my payment ''. I refused, there were some angry messages that followed, all of which I have screenshots and I requested a refund. I was denied my refund from this person on XX/XX/XXXX at XXXX. I have been trying to reach customer support for weeks. Through emails, and phone calls. I have never received a return email and every phone call ends up with me on hold for an hour and a disconnected call. Today ( XX/XX/XXXX ) I got an automated call from cashapp about my declined refund. There were no options to press any buttons and when I call the number provided, it just disconnects. I even contacted my bank and was told they don't deal with cashapp. This was supposed to be for a Father 's Day gift and not only am I out the money, but I also didn't have the gift done on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: BERKSHIRE HILLS BANCORP, INC
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
For the past three years I have been trying to close two old bank accounts that were left to me by my mother one is a bank cd and the other is a savings account. I had received a letter from the XXXX XXXX that they were merging with Berkshire Bank but not knowing what it was for I threw it away then when my mother passed I found the books with both our names on them saying either or When I went to Berkshire Bank to claim the money they said they could not find the accounts For the past three years they have been giving me the runaround saying they placed the money with the XXXX of Ct of which there is no record I called the main branch but never received a call back It is a small amount but what if it were a large amount the bank must be accountable My bank XXXXXXXX XXXX  said there must be documentation somewhere of what happened to the money. thank you 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 2020-08-06
Company: ALLY FINANCIAL INC.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had special financing following accounts with HCS ( hcsloans.com ). XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX The promotion was expired on XX/XX/XXXX. Since I set up the automatic payment system with HCS, I did not get paper statements. I was having problems with logging into my accounts on website. I had called several times to fix the problem and could not wait for too long so the calls were unsuccessful. Finally, on XXXX, I patiently waited to speak to one of the representatives and found out my promotion was expired on XX/XX/XXXX, and accrued interest was charged to my both accounts. I asked to speak to HCS supervisor, she said since it is within 30 days, I could pay off the amounts of {$510.00} and {$570.00} for both accounts if I made the payments that same day. So, I paid off both accounts on the same day, and she assured me that HCS would close the account with balance XXXX. Three weeks later, I received the statements from Ally Lending over {$1000.00} for each account. Apparently, Ally Lending has bought HCS and transferred all HCS accounts to collect the debts. They said they don't honor within 30 days pay off plan and promotions were ended on XX/XX/XXXX. They stated that HCS transferred accounts on XX/XX/XXXX. Since my original agreement was with HCS, they had accepted the payoff amounts and closed my account, Ally Lending has no right to reopen and try to collect the unreasonable charges. I tried speaking to several supervisors and was not successful. They are demanding that I arrange the payment to pay the accrued charges.

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 2021-10-26
Company: Paypal Holdings, Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My Paypal account is not working despite multiple attempts to resolve issue. 

I get the following error message for all of my payment methods : We aren't able to process your payment using your PayPal account at this time. Please go back to merchant and try using a different payment method.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions 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:
Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below.

I expect this letter to be taken seriously and I demand this fraudulent account be blocked and removed from my report as I have provided you with the required pieces of information. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't 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 explanation
Consumer complaint received 2022-12-19
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.I have never had an account with this company XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are SEARS/CBNA the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I sent a dispute certified letter on XX/XX/23 to TransUnion about the validity of account XXXX  # XXXX which was received on XX/XX/23 @ XXXX ( letter uploaded ). As of XX/XX/23 the report showed it was updated XX/XX/23 well after they received the letter but had yet to note that account was being disputed which is required by law [ XXXX us code XXXX ]. Then on XX/XX/23 the report showed that it was updated on XX/XX/23 and now showed a dispute note which is clearly fraud. They basically tried to back date themselves out of a clear violation. I have update screenshots of all supporting documents.

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 2019-06-27
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found recent late payments on the dates below : 30 days late as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and 60 days late in XX/XX/XXXX. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: CITIBANK, N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citi bank Costco card has been overturning my disputes, I believe there are 61 I was told. Some of them are either purchased and product wasnt delivered or service wasnt provided. Others are what I claimed to be not purchased by me or anyone that Ive given authority to use. Ill be sent a new card but the dispute will be over turned and not listed as fraudulent. Ive called and requested for my past statements and dispute findings and letters from As far back as 2013. Ive had to call mutiple times to request for the same statements, which were then sent to me in 5 or six different envelopes on different weeks. The dispute letters I have requested for have not been sent to me nor can I access them on the website or app. Ive spoken with them and they can not look back only a few months. Ive been hung up on or disconnected multiple times after giving my personal information. Ive changed my password that you use when you speak to a representative and in the same day been asked my old password form the first woman. Then calling back later to verify a payment getting asked for my new password. When asking to speak to a supervisor I am told that no one is available. Also, while having a ongoing dispute opened they have refunded payment then taken back credit then reversing and then overturning a charge on multiple statements making it difficult to see when or if I got credited or charged. If you could please help me.

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: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Charging fee for account that was reported as identity fraud and theft

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately!

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 2022-03-31
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX Account # 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 explanation