BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: JPMORGAN CHASE & CO.
State: MI
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:
I'm submitting this compliant due to the negative information that XXXX XXXX XXXX XXXX XXXX has reported in my banking report. I believe that my rights have been violated as this information is inaccurate and misleading. Please investigate and rectify this matter promptly. 

Description of Dispute : XXXX XXXX XXXX is reporting multiple negative accounts with my personal information such as, XXXX XXXX XXXX : Incident date : XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX reporting a negative balance of $ XXXX. 
XXXX XXXX : XXXX date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a negative balance of $ XXXX. 

XXXX XXXX  : XXXX date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a negative balance of $ XXXX Fee reversal : $ XXXX. 

XXXX XXXX : Open date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting an Overdrawn account. 

XXXX XXXX : Open Date XX/XX/XXXX, Closed Date : XX/XX/XXXX Banking Routing # XXXX, Account # XXXX. Account Status : Closed for Cause-Purged of XXXX XXXX  : Open Date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a closed account. Reason for dispute account was never opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: MD
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:
My XXXX  XXXX credit card is saying it's late and it is not. I have automatic payments coming out of nay account every month for {$35.00}. Disputed it multiple times and it won't let me upload proof.

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 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My XXXX  XXXX credit card is saying it's late and it is not. I have automatic payments coming out of nay account every month for {$35.00}. Disputed it multiple times and it won't let me upload proof.

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 2023-09-14
Company: Kikoff Inc.
State: WI
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:
In accordance with the Fair Credit Reporting act 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. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX XXXXXXXX  four unauthorized wire transfer withdrawals totaling {$18000.00} were completed from my checking account. On the evening of XX/XX/XXXX  when it was discovered that the account balance was negative, I notified Chase of the account breach and a fraud claim was filed ( claim # XXXX and XXXX XXXXXXXX ). All Chase accounts ( checking, savings, credit cards ) were put on restricted status. A police report was filed on XX/XX/ with the city of XXXX Police department. Preceding the wire transfers, a person claiming to be a Chase Fraud specialist contacted me regarding suspicious account activity. This person knew information about recent transactions and claimed that pending high value transactions had been flagged and wanted to confirm whether they were legitimate or fraudulent. I confirmed that these transactions were not authorized and should be blocked. After several similar calls with this person over a few days, he convinced me to install an application on my phone that would prevent further fraudulent transactions. I now believe the application was a remote desktop program. At no time before the unauthorized wire transfers did I believe this app would allow access to my Chase account, nor did I authorize access to the account. I have been a JPMorgan Chase customer for XXXX years. At no time prior to this incident have I had online banking access nor have I ever initiated wire transfers. My average monthly withdrawal amount from this account has always been several XXXX dollars, not XXXX XXXX XXXX Chase 's fraud detection system should have flagged these transactions because they were extreme anomalies in my long banking history. Chase erroneously facilitated the magnitude of this fraud by applying Overdraft Protection services to transfer {$12000.00} of funds from my savings account to the checking account to cover the wire transfers. Per Chase 's website, Overdraft Protection only covers " checks, automatic payments, and recurring payments ''. On XX/XX/ a sworn affidavit for " Unauthorized Signature or Forged Item Declaration '' was provided to Chase. On XX/XX/ a claim denial was received from Chase, stating that I did not take appropriate steps to protect the account from unauthorized use. On XX/XX/ we requested a detailed explanation for the claim denial and were told that no such report could be provided. Chase has not provided any proof that I created or authorized these wires. Chase failed to protect my account using reasonable account history based fraud detection applications. Chase also failed to secure my savings account by wrongly transferring funds to the checking account via Overdraft Protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/XXXX contacted Truist &. XXXX to inquire about payment that was taken out with no notification Latency in Truist mobile banking app and online Called to have overdraft fee waived due to the Truists non notification of payment already withdrawn Was told nobody could do nothing

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 2023-09-12
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
My phone was stolen and then unauthorized changes were made to my account rendering me unable to login. I had a balance of {$370.00} at the time. Cash app support was unable to help me recover access to my account even though I had every detail they could have wanted. An audit trail should have been leveraged by support to ask me questions to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had an account with Citi Bank in the past, and now just applied for the Citi XXXX credit card, since my credit score according to my XXXX XXXX XXXX reported an excellent score of XXXX. The credit application was denied, however, and the letter stated that my credit score was XXXX, XXXX points below the actual credit score. Citi customer service told me that they use XXXX to calculate scores. I created an XXXX account and found out that the {$14.00} currently charged on my active XXXX card was represented by XXXX as a negative debt, and my student loans ( Dept of ED and XXXX ) from eight years ago were still listed as having been settled at less-than-full-balance, but were actually paid in full as part of a prior CFPB complaint. That complaint was related to a XXXX XXXX I had as a student and which the student loan department refused to give me an accommodation for the XXXX I developed, and so trying to file the corrections on the credit report is causing me to XXXX XXXX XXXX XXXX XXXX and I request accommodation for my XXXX by having those student loans marked as paid-in-full without me having to deal with the student loan company that discriminated against me. The XXXX XXXX line of credit was also settled in my favor through another CFPB complaint and I would like that complication to be disregarded from consideration of the XXXX card. 
Ultimately, I believe that my past, entirely positive credit history with Citi bank, my active XXXX card, and the eventual payment of all my debts due to complications beyond my control, and my correct credit score of XXXX means I should be approved for the Citi XXXX card.

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 2023-01-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: FinCo Services Inc DBA Current
State: CO
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:
On XX/XX/XXXX at XXXX, a charge hit my account from XXXX XXXX  for a total of XXXX using my virtual card which Ive never even personally used myself. 

Immediately after noticing this, I filed a dispute with the bank company I use called Current. They asked for the information of the transaction and the reasoning and said it could take up to 90 days to come to a decision. Which would have been XX/XX/XXXX. 

I waited PAST the 90 days and reached out again on XX/XX/XXXX to get an update as I was pretty frustrated that I didnt receive any updates on it and my app was saying that I had an open dispute for months. I got this response from the customer support chat agency, Thanks for waiting. I looked into this for you and confirmed that the investigation on your dispute claim has been completed. The facts of the investigation concluded that there was no error found and therefore, no credit will be issued to you. 

I informed them that I didnt authorize the transaction and that was the problem and they stated for me to contact the merchant which I did decide to do on XX/XX/XXXX. 

The merchant sent this response Hello XXXX, Thank you for contacting XXXX. 
During the month of XXXX, we had an influx of emails from different people in the united states who had the exact same charge as you. These charges only affected people who own virtual cards. I regret to inform you, while these fraudulent charges have our name, they were not made by us. 
In this case I would recommend continuing the process with your bank to have these charges removed. 
Kind Regards, XXXX XXXX Client Services After contacting my bank AGAIN on XX/XX/XXXX, basically restarting the dispute because they closed it and they told me that the ex needed email communication/confirmation from the merchant so I forwarded my email from the merchant that stated they had that issue in XXXX. The bank support agent stated that they cant use that because I provided it in my previous dispute which was denied. 

Ive tried calling my bank and they do not have a customer support phone number, just the support chat via the app. I even asked the chat agent for a number and the number they gave me was a fake number that doesnt even call out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a loan with XXXX had problems and stop making payments then contact XXXX to work a solution got offer a trial period finish 6 month trial period and no answer from XXXX about loan modification transfer to Green Tree where I was offer a loan modification where my principal increase in over {$140.00} and the interest increase to 6,125 % no answer from Green Tree about what program was used for my Loan Modification. I pay 18 months and after the 18 payment got inform that my taxes for 2 tears where not paid hard to understand since the 2 years in question where not consecutive my payment was increase in the amount of {$1200.00} a month making my payment from {$4200.00} to {$5300.00} ask the bank to review this new numbers and I was advised to continue making new payments till they work something out to return to the original payment which was almost % 50 of my income. nothing happens for few months and suddenly Green Tree said for me to make a payment because they have arrive to a new terms for my Modification That was a LIE they just closed for business and open with a new name but send a letter telling me that nothing change. at this moment I hire an attorney and initiate a loan modification submit paperwork many times and after 10 months My modification got denied BECAUSE the loan was past due more than 6 months After this attorney I have file 3 more modifications with 2 different attorneys and one with the HUD help, my last denied was last week they did not display the new guidelines for the denied just said that the new P & I its higher than old P & I Consistently XXXX green Tree and now Ditech used the same tactic delaying the paper work and denied the modification I see consistently I have Not received a fear treatment and after many attempts to solve the problem they have not respond in a way beneficial for both parties. 
I have copy of all documents from XXXX to green Tree to Ditech if necesary

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On or about XX/XX/2022 I entered PNC Bank at XXXX XXXX XXXX, XXXX, AL XXXX around 3 pm. Upon entry I approached the teller and made her aware I would like to open a account. The teller stated to have seat and someone would be there to assist. She blurted out it will be {$45.00} to open a account. Her name was XXXX. By the time I settled in a chair the same teller was approaching stating she would help. I informed her I would like to open up a trust account. She stated the manager could help with this. She left and went into a office room near me. When she returned she had a piece of paper related to account opening information and said the manager was gone. I asked for the paper and she stated she needed to make a copy. She returned with a copy and the managers card. It said XXXX XXXX. I waited for a few minutes a woman walked out of the office room to the teller. When the woman left the teller I called XXXX and she looked at me. PNC bank is clearly conducting discriminating against clients preventing access to the bank. I was angered, shocked and embarrassed. XXXX knew I was the person who inquired about the trust via the teller. And was shocked I called her name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Experian Information Solutions Inc.
State: OH
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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX M, XXXX XXXX, FL XXXX XX/XX/XXXX SSN : XXXX Dear Sir or Madam : As of XX/XX/XXXXit is still displayed on all three of my credit report files, XXXX, Equifax XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my XXXX credit report, the items I dispute on the attached copy of the report I received.The information on my credit report displays addresses that I have never resided in. What's fraudulently listed is the following ; XXXX XXXX XXXX, XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX This is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, XXXX CFR part XXXX, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt XXXX, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 001, 002, 006, 023, 024. 

Sincerely, XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX This account is reporting inconsistent information between the two bureaus if this information is verified as accurate how is the high limit of {$610.00} and {$0.00}? The open date is even different PLEASE DELETE XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX As a consumer, I know that you can not report an account as an open charge off and list the account type as unknown! How was this verified but listed as UNKNOWN? Wouldnt you have known what type of account it was if it was so-called verified? REMOVE 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 explanation
Consumer complaint received 2023-09-12
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
around XXXX I have received a bill and a collection from from XXXX saying that I owe them about {$3600.00} and I never opened this phone line ever. what was open 2 phone lines and 2 tablets and XXXX barely helped to resolve and now im lost but i went to the local police office and that wasn't much help either they just told me to file a complaint on CFPB and I did that and I waited nothing happened but I got a collections letter in the mail trying to collect the XXXX bill but I don't know what to do after a while it hit my credit profile as Collections and I contacted XXXX and they are actively helping me right placing a fraud alert on my profile

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