BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My company XXXX XXXX XXXX in XXXX XXXX, NY sold a watch to a client for {$91000.00} receiving funds as a Federal Bank Wire. The money was sent from a jp morgan chase account to our jp morgan chase account. The funds cleared and posted to our account which we then delivered good two days later after clearing in XX/XX/2022. The bank without any warning or notification to my company decided to withdraw the funds directly from our account two months later in XXXX 2022. After speaking with the bank managers and customer support representatives they stated that the transfer which was made at a jp morgan chase branch in person was fraudulent and they are unable to honor the funds that were sent to our account. the client we sold it to is no longer responsive. 

I do not understand that if it is the banks duty to verify a client and confirm their identity and then process and send funds to another account the risk is their own. 

We send and receive hundreds of wires per month without any issue, and every time there has been something the bank has notified my company, the bank states when sending a wire that they are irreversible and that is why we only take wire payment from our buyers. 

The bank stated they are investigating this and have went cold after weeks of emails and no responses from their management staff. 

If there is fraud going on at the branch level or their inability to verify a client to prevent fraud they have to be held responsible for their lack of the proper processes in order to conduct business. I am being made the victim here when the bank is the one who is suppose to be held responsible. 

I am missing {$91000.00} from my business checking account because the bank decided to remove the money from my account without due process and against their own policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was issued this card by Texas XXXX. The card became inactive after accepting a refund on the card that wasnt used to make the purchase. The company asked me to send in the original and refund receipt in order to make the card active again. I uploaded the documents online as well as faxed the information to three different numbers that were given 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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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. 

Account name : XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2019-01-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the tald me to file IC3 FBI report and an FTC is attached to this complaint. 
Please block this fraudulent accounts from my credit file.

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 2023-08-20
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
The account is with XXXX. They reported me late when I wasnot late. I spoke with the woman at XXXX with my banker on conference with Me and XXXX. We went over line by line each payment and the date I made them. Verified the information they are reporting on the bureau on their own. I paid payments XXXX at a time on several occasions. I paid XXXX. Not the amount XXXX. 
So when XXXX reports to the bureau I'm late because I didn't make a payment for the next month ... they report me as 30 days late when I'm actually 30 days early. 
I spoke with the lead supervisor who informed both my banker and myself on the phone. She sees the error. However ; XXXX does not correct any of their reporting. The company policy is what they report is what stays correct or not. 

This is causing me at age of XXXX wants to buy a condo to retire.this filing has caused my credit to drop so low I can not purchase a home. 

I need XXXX to please fix the mistake they made. I doubled my payments so not to have an issue and they still reported incorrectly.

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 2020-09-16
Company: U.S. BANCORP
State: MT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
1. USBank plays favorites. My lease buyout with XXXX XXXX is {$24000.00}. At XXXX XXXX it is {$32000.00} because they don't have a relationship with USBank. 
That is punitive to both XXXX XXXX and me. If I choose to deal with XXXX XXXX I have to pay the lease off with my own money. 
2. USBank doesn't allow payoff by XXXX  XXXX or ACH. They require a personal check, Cashiers Check or XXXX XXXX. I XXXX  my check with the required payoff and documentation to USBank. They received it at XXXX XXXX on XX/XX/20. The check has still not been processed 8 days later and they tell me when they do cash the check there is a five day hold on the funds. Then they process the title. This process could take a month. It should never take over 5 days. In the meantime the trade in value of my truck has gone from {$31000.00} to {$30000.00} XXXX XXXX Offer ). This process is punitive to me to all lease customers. 
3.I have spoken to at least ten employees, 2 supervisors, and have left messages with an operations manager. None of them could tell me how or to whom to complain. There is nothing on any USBank Website that I could find that allows me to make a complaint with them or CFPB.

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 2023-05-11
Company: DISCOVER BANK
State: GA
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:
On XX/XX/2023, I purchased a salad at XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX, GA. This salad made me ill. I complained to XXXX about it and they did nothing other than send me a Dear XXXX email and have the manager call up to say " it's only you '' and hang up. Then I disputed it with Discover. All of a sudden, they don't cover bad food. The sorry piece of XXXX that answered the phone named XXXX even said it's my fault for eating the food. The problem is food illnesses are not instantaneous. It took hours. What was I supposed to do, take them my XXXX and then request a refund? XXXX refuses to do the right thing and refund my money, Discover is now trying to hide and say they don't cover food purchases but that is not in the cardmember agreement. They have actually covered it before. I do not see what the problem is all of a sudden.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Record type XXXX  XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX Record type XXXX XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 


However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

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 non-monetary relief
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: NC
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 Reporting Act The list of accounts below has violated my friendly protection consumer rights to privacy and confidentiality a person may not furnish any information related to Consumer to any consumer report of agency 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 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXX XXXX XXXX/XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXX XXXX/XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXXInaccurate XXXX XXXX XXXX/XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXX XXXX/XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment. 

Inquiries : XXXX/XXXX  | XXXXN/AInaccurate XXXX/XXXX  | XXXXN/AInaccurate XXXX/XXXX  | XXXXN/AInaccurate XXXX XXXX  | XXXXN/AInaccurate XXXX XXXX | XXXXN/AInaccurate XXXX XXXX XXXX | XXXXN/AInaccurate XXXX | XXXXN/AInaccurate XXXX  | XXXXN/AInaccurate XXXX/XXXX  |XX/XX/XXXXN/AInaccurate XXXX | XXXXN/AInaccurate Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.

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 2022-06-09
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX  XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-08-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I contacted Wells Fargo regarding a deposit that was made for a check which was made payable to both myself and my mortgage company XXXX by XXXX XXXX for mold damage rebuild to my home at XXXX XXXX XXXX XXXX XXXX, GA. The check was deposited by a third party into the ATM at Wells Fargo. The check was made payable to myself XXXX XXXX and XXXX XXXX. The check was deposited without the endorsement from XXXX. I contacted the bank along with the depositor XXXX XXXX to have the check returned unpaid. When the bank was contacted about the error in the deposit they refused to return the check to XXXX XXXX marked unpaid so a new check can be issued to complete the rebuild for my home. The check shows " processed '' on XXXX XXXX XXXX side so they will not issue or recall the check until proof is provided that the check has not been honored. 

Several attempts have been made to resolve this issue with the Resolution Department for Wells Fargo and I was advised by them to go with XXXX XXXX to a Wells Fargo branch and a letter would be given to me that provides proof that the check will be returned unpaid. After several attempts that has not been done. XXXX XXXX will not issue a new check until the old check is either returned to them or proof provided that the check has not been cashed. 

I am in HOTEL and can not move forward with the rebuild of my home without the funds that payment has been retuned. I have XXXX claim number for the Resolution Department for Wells Fargo, they are XXXX XXXX I have been told on XXXX separate occasions that the only thing that needed to be done was for me to go with XXXX XXXX to the bank and a letter would be provided which proves that the check has not been cashed. Without this information, I am still displaced and living in a hotel because repairs can not be made without the check from XXXX XXXX. 

Please help!!!

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. The following alleged account is listed as a collection with a PAST DUE balance of XXXX dollars This is a violation of the FCRA and is also in violation of reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report therefore any information that is not true, accurate and verifiable is required to be removed.

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 2022-12-06
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022, I made a electronic check payment to XXXX bill in the amount of in the amount of {$97.00}. On XX/XX/2022, my payroll from XXXX XXXX XXXX XXXX was posted to my checking account and the funds in the amount of {$97.00} was withdrawn from my TD bank checking account. On XX/XX/2022, my XXXX service was disconnected. I called XXXX in regards to the disconnection of my light service; I was told the check was returned. TD bank never notified me the check was returned because on XX/XX/2022 the amount of {$97.00} was withdrawn from my checking account for the XXXX bill. I was never charged overdraft fee for return check for the XXXX bill payment.

Company response to consumer: Closed with explanation