BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX : I deposited a settlement check from a Lawyers IOLTA account for {$83000.00} and received notice that there would be a hold on the deposit XX/XX/XXXX : Contacted Chase 's Operating Loss Prevention team to work to get the hold removed. Team was able to verify with sending bank, but unable to find a " verified number '' for the lawyers office in their system. Team member confirmed that they could see the law office online, but could ONLY call numbers that show up in their system. 

XX/XX/XXXX : I offered to provide filed court documents that were signed by the lawyer, and includes the check amount. And also pointed out that Chase had already processed a check from the same law office on XX/XX/XXXX. I was told that the only way they can remove the hold is if they can contact the maker via a " verified number '' from their system. 

XX/XX/XXXX : I submitted a secure message in the banking portal that explains the problem and includes the court filed documents I mentioned above. 

XX/XX/XXXX : I received the following response : " Please be advised that because of the Covid-19 pandemic, your hold time may be longer than usual. Currently, we are receiving a heavier call volume being managed by a skeletal workforce. We kindly ask for your patience and understanding. '' XX/XX/XXXX : XXXX business days have passed and none of the deposited funds have been made available to me. I am wasting money living in a hotel when there are some very easy, and common sense, ways the " risk '' they mention can be mitigated and the hold can be removed. 

Citing a " skeletal workforce '' for such an important part of their business is just poor management in my opinion. While the hold expires the XXXX, the fact that none of the funds have been made available to me when I have had an account in good standing for over a decade, and they have already verified the funds cleared the host bank, is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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:
15 usc 1681 section 602 states i have the right to privacy 15 usc 1681 section 604 A section 2 : it also state a consumer has furnish an account without my written instructions.

15 1666b : A creditor may not treat a payment on a credit card an open -end consumer credit plan as any purpose. XXXX XXXX reporting late payments with XXXX XXXX and Exquifax on my report. with the months of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage, using NewRezz LLC as a servicer, allowed mandated Flood Insurance payment under a setup escrow account to lapse during hurricane Ida. Payment was due on XX/XX/XXXX and was applied on XX/XX/XXXX making it too late to be covered by flood insurance policy. 

Lender and servicer have both ignored many emails and phone calls to ammend this issue. A letter of error under RESPA was sent on XX/XX/XXXX. Lender and servicer have yet to provide information or a number to reach a department that handles these issues.

Home was denied flood coverage due to this error. Escrow account is being mishandled by servicer and put negative without a balancing estimate and correction. 

We have attempted all avenues of resolution and are getting nowhere with this horrible situation no homeowner in a disaster zone should ever go through. We are looking for justice.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Elevate Recoveries, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXX is the medical company stating I owe them but they closed during the pandemic. There was no phone number, email, social media account or way to contact them. I was on a payment plan and could not get an updated bill. I have reported them with the XXXX ( if you look you can see so have many other people ) and event at the state level in Texas where it was located. XX/XX/XXXX XXXX XXXX XXXX XXXX sent me a collection bill. Within days I sent a dispute letter certified mail. I then saw on my credit report had a collection listed for XXXX from XX/XX/XXXX. So they had reported me to the credit bureau before validating the debt within but it is under a different company called Elevate Recovery XXXX LLC which I have not received communication from before. XXXX did not respond within 30 days to my letter. XXXX just now ( XX/XX/XXXX ) sent me the first correspondence not addressing my letter but a bill statement amount different than the credit reporting amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
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: Problem with personal statement of dispute

Complaint:
I've been an XXXX XXXX XXXX XXXX member for over XXXX XXXX. I've never been late on payments and have paid down balances in excess of {$8.00} XXXX. My account has been reported XXXX XXXX overdue and delinquent for an amount of {$38.00}. I reached out to the credit card company to ask that the late report be waived. I had not used the card since XX/XX/2022 and was not aware of the remaining balance. I paid the full account balance of {$38.00} as soon as I was reminded, but XXXX informed me that the last payment would still be reported to the credit reporting agency. I feel as though this is unfair based on my payment and credit history with this company. I am requesting to have the delinquent status removed from my report ( across all XXXX  agencies ).

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: 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Experian in regards to a dispute on XXXX XX/XX/2022. Experian informed me that they do not need to get any information from the reporting company in order to verify any information that is furnished on my consumer report. If the reporting company tells them that it is verified once it is disputed, they will allow the company to report. Violating 15 USC 1681i ( a ) ( 4 ), Experian does not and will not consider my evidence. Experian stated that they do not need any proof, they take the companys word. This is a violation of 15 USC 1681i- which makes it clear that EXPERIAN MUST complete an investigation to determine if the information is accurate or inaccurate. THIS PHONE CALL IS RECORDED AND SUBMITTED WITH THIS COMPLAINT.

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 2023-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Im a XXXXXXXX XXXX XXXX XXXX, and on XX/XX/2023, I stopped at a truck stop - XXXX  XXXX XXXX XXXX XXXX XXXX Missouri to withdraw cash. I used the ATM machine that was in the store - XXXX XXXX. After inserting the card and providing my pin, I tried to withdraw {$200.00} ( {$200.00} with fees ) cash from my business account, however the machine did not react. The money was not dispensed, receipt was not provided, nor any message that the transaction was successful shown. Hence, I took the card out, and tried the same steps again to withdraw money but now for {$100.00} ( {$100.00} with fees ), however the same thing happened, the screen did not state that the transaction was completed, the atm did not dispense money and no receipt was provided. I left empty handed, and withdrew {$200.00} cash from a different truck stop later that day. Upon checking my online banking in a day or so, it showed that both of my empty transactions were shown as completed, and the money were withdrawn from the account. I have called Bank of America to dispute the two charges, and asked to be provided with video footage from the ATM and the XXXX  XXXX truck stop, as it is obvious that the money was not dispensed to me and the video would prove that. Yet, my dispute was denied without any video footage proof and the money was not returned, ( {$100.00} & {$200.00} from the same ATM machine minutes apart ).

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: EQUIFAX, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
Hello my name is XXXX XXXX XXXX. Your company has not responded to my previous written communication that was sent via certified mail and received by you on XXXX XXXX. I have attached that communication to this complaint. Please respond accordingly. Accounts should appear on my consumer report with my written permission and no other. In addition, while an account is under dispute it should be DELETED from my report until the dispute is resolved. Please respond directly to my attached letter or I will seek monetary compensation in the form of {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: CBC Companies, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX and XX/XX/XXXX Factual Data ran my credit for XXXX XXXX XXXX under false pretense. The original loan applicant was my mother XXXX XXXX and she was seeking to refinance her property. I was told by the loan officer to submit my information but did not know they can not refinance under my name as my mother is the current owner of the property. To which the company apologized but said they do not know how to remove the inquiry. The second time on XX/XX/XXXX they ran my credit again and when approached had no idea why that happened. The company informed me that there must have been a glitch in the system and that once again they do not know how to remove the inquiry off the credit. All the conversations were recorded and can be requested by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-17
Company: The Aligned Company DBA Extra
State: CA
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:
I purchased it on XXXX using my XXXX card. Within minutes I canceled that purchase meaning no item would be delivered or charged on my account. Unfortunately, a charge was placed on my XXXX card. That card is linked to my debit account. As stated on the XXXX site under the refund it shows that the refund went to my XXXX card and shows the last 4 numbers. The company, XXXX is stating I owe them {$67.00} for purchase but I already showed them transactions of the refund being sent to them and the purchase is canceled. I have no connection and am locked from all services and functions from my XXXX account but continue to be charged a monthly membership when I can use any services. They made a report on my credit for money owed. Ive spoken to 3 separate reps they all keep telling me I owe without any phone conversation and explaining how. I used their credit card and XXXX shows the refund went to their credit card but theyre insisting I pay them from my bank account linked. They are a finance app in the apple app store.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Experian Information Solutions Inc.
State: OK
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:
In XX/XX/2020 I was a victim of fraud. Someone attempted to open an account in my name with XXXX XXXX XXXX and XXXX Their attempts led to Hard inquires that dropped my score by 40+ points. After months of contact with the creditor, the credit agency, and finally the CFPB I was able to get the fraudulent accounts removed. Unfortunately, the removal of these accounts did not restore my score to its original points.

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: Experian Information Solutions Inc.
State: IL
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:
To whom it may concern. I have reached out to Experian on XXXX  separate occasions to validate and delete account information that pertains to another consumer. First time in XX/XX/XXXX and the second time in XX/XX/XXXX. In XX/XX/XXXX, I received a response from Experian and they deleted closed accounts that are not mine from my credit report. All the active and outstanding debts from another consumer are still reporting on my credit report. This is negatively impacting me in obtaining my own home. Please see below for this information. Thank you. 

XXXX XXXX XXXX Past Due {$5900.00} XXXX XXXX  Collection {$2000.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX  {$710.00} XXXX XXXX Past Due {$600.00} XXXX XXXX Late Payments in XXXX XXXX XXXX XXXX Charge Off {$6900.00} XXXX XXXX Charge Off {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$32000.00} Incorrect Consumer Information : XXXX XXXX Debts above belong to the consumer above.

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 2023-10-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have several inaccurate and inconsistencies on my credit report. XXXX, XXXX, and Equifax have been contacted via phone and mail about any and all errors on my reports, but have not corrected or provided me with proof of a true investigation for my disputes. 
I have attached my trimerge report provided by XXXX and my credit report from XXXX, A dispute response from Equifax. Here is a list of things that are missing, inaccurate, and inconsistent on my credit reports. 

XXXX Report : My name is XXXX XXXX XXXX, but is reported as XXXX XXXX and many other variations. 
My address is XXXX XXXX XXXX XXXX FL XXXX, but there are 3 extra addresses on my report. 
They're reporting 2 late payments for XX/XX/2017 on my XXXX XXXX acct XXXX XXXX XXXX. and acct XXXX XXXX, which are incorrect. I've never been late. 

XXXX Report : They're reporting 1 late payment for XX/XX/2017 on my XXXX XXXX Acct XXXX XXXXXXXX. I've never been late. 

Equifax Report : My name is XXXX XXXX XXXX and they're reporting it as XXXX XXXX and other variations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: NJ
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: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Citi bank, Opened a new card for balance transfer, was approved instantly. Card was to be sent out and about a week later, I received a text message that the card had been sent back. So I called the Citi Bank and was told they would resend it promptly, I did not receive the card. So I called back today for info, Turns out they just closed my account and never intended to send out my card. Took me 30 mins on their customer line and dealing with reps that clearly didn't speak XXXX. This is a hit on my credit report, and I never got my card and instead was offered to reapply to their garbage company.

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 2022-02-16
Company: EQUIFAX, 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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 information incorrect

Complaint:
XXXX was contacted to settle an account due to a life hardship. They agreed to settle the debt for less and provided the amount and payments to be made over a period of time. In the meantime, I was advised that my balance would be reflected as the amount settled and the payments would reduce the amount. XXXX was contacted in XXXX for settlement a second time in mid XXXX to correct the reporting issue as it has been over 30 days which they advised would be the time needed to report to the credit bureaus. When I contacted them on XX/XX/2022 when the payment did not come out of the account I requested help to report payments being made and that the balance was incorrect. 
At this time the representative advised me that XXXX will not report payments made and that the balance reduction would be for the full amount. This contradicts the agreement that was made and also does not show the monthly payments made. XXXX in addition reports the account as a charge off with no payments being made monthly. This further harms my credit and ability to move forward with my need for credit. In addition they are reporting incorrect information. 
I have reached out to XXXX and all credit bureaus with the information to be corrected.

Company response to consumer: Closed with explanation