BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing to file a formal complaint against JP Morgan Chase Bank for their violation of US law and their own policy. Recently, I opened an account with Chase Bank and deposited a check which was made out to another individual and not myself. However, I personally cashed the check and the payee endorsed the check and instructed the payment to be made to me. Chase Bank accepted my mobile deposit of the check and deposited the funds into my account.To my surprise, shortly thereafter, Chase Bank withdrew the funds and closed my account without any notification of the issue. When I contacted Chase Bank to discuss the matter, they stated that both the third party and I have to go to a Chase branch with 2 different forms of government ID to clear up the issue. However, this is not an option for us due to various reasons. I would like to bring to your attention that according to US law and JP Morgan Chase Bank policy, they are obligated to notify the account holder immediately in case of any issue with the account. Additionally, Chase Bank is required to follow the guidelines set forth by Regulation CC of the Federal Reserve, which specifies the amount of time that a bank can hold onto funds from a check. It is unacceptable for Chase Bank to hold onto the funds and not return them to the issuing bank if they are unwilling to release them to me. If Chase Bank is unable to accept the check, they need to have the check recalled and sent back to the issuing bank. However, the issuing bank is showing the check as being cashed and therefore, the check issuer is unable to have the issuing bank reissue the check. 
Furthermore, I would like to mention that I called Chase Bank before depositing the check and followed their instructions for depositing a third-party check. Hence, it is evident that Chase Bank did not follow their own policies and procedures, which led to an inconvenience and financial loss to me. Therefore, I request that you take immediate action against JP Morgan Chase Bank for their violation of US law and their own policy. I also request that the funds be returned to the issuing bank or be released to me at the earliest. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TransUnion has continued abusing my file and failing to update information such as phone numbers, employment title & true score

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 2023-06-09
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XXXX XXXX XXXX {$770.00} XXXX XXXXXXXX {$490.00} 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022, I used Citibank 's " Pay Bills '' online banking service to remit a payment to my landlord for that month 's rent, in the amount of {$1600.00}. 

I input my landlord 's name, her physical mailing address, and the check amount. I did not enter any electronic banking information. Citibank 's bill payment service allows you to enter a payee 's name and information, and the bank will mail out a physical check in the amount ( s ) indicated to settle the bill.

For my landlord, Citibank 's system indicates specifically that " this payee will be paid via check sent via US mail to a US mailing address. Please allow at least 5-7 business days for payment to be received. '' Later in the month, I was alerted by my landlord that she never received the check. I called Citibank customer service to inquire, and they walked me through the transaction. The bill payment transaction shows a status of " paid '' as of XX/XX/2022. However, I only ordered the check on XX/XX/2022. 

The customer service representative explained that " paid '' means the check has been cashed. How is it possible that a physical check was ordered, printed, mailed, and cashed all within one day? This is not physically possible. The representative acknowledged that.

The representative suggested that it was possible Citibank electronically transferred the funds. But I never provided Citibank with any electronic banking information, so how did they know where to transfer the funds to? I called my landlord, and she said to me that she hasn't received the funds electronically, either. I asked her to double check on the specific date mentioned ( XXXX XXXX ), she confirmed that she received nothing. 

Where did Citibank send my money? I did not authorize any electronic transactions, nor did I provide Citibank with any electronic banking information. How is it possible Citibank, of its own volition, initiated an electronic transaction without my authorization, apparently to a complete stranger? 

My landlord needs her rent money. I need my bills paid. Citibank needs to rectify this ASAP. I called them and the best they can do is " investigate, '' with no clear timetable for completing the investigation. They refuse to credit me any funds in the meanwhile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: IL
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:
accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # 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
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX ; XXXX XX/XX/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 2020-01-28
Company: TCF NATIONAL BANK
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I bought a house in XX/XX/XXXX with T.C.F. BANK IN ILLINOIS AND I PAID ON IT FOR 14 YEARS AND THEN I HAD A PROBLEM AND BY THE TIME IS WAS INFORMED I HAD TO HELP THE BANK SELL MY HOUSE AND THEY PROMISED TO HELP ME BUT THEY DID NOT AND I LOST MY MONEY MY HOUSE AND MY GGOD CREIDT SCORE, IM TRYING TO GET ALL MY DOCUMENTS FROM THE FIRST DAY OF THE LOAN I FEEL THAT THE BANK ( T.C.F. ) COMMITTED FRAUD AND NOW THEY WONT RELEASE MY FILES TO ME PLEASE HELP ME MY NAME IS XXXX XXXX  XXXX CELL # XXXX EMAIL XXXX MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  AZ XXXX ALSO T.C.F. ADMITTED FRAUD TO MY CREDIT COMPANY IN XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The company that I acquired my loan with is : One Main Financial out of XXXX XXXX Pennsylvania out of XXXX XXXX Pennsylvania, in XXXX of, XXXX. The loan was to pay off credit cards. The loan amount was for, {$1500.00}. I have paid on this XXXX XXXX dollar loan for over a year at XXXX dollars a month. I have not been late or missed a payment once. I know that there is going to be accrued interest, but I have paid over {$800.00} dollars and the principal amount has not gone down XXXX XXXX but has gone up. I have paid over half of the loan off with no change in the principal amount. I do believe, One Main Financial has committed fraud, extortion and illegally manipulated my account to lace their pockets. I'm asking CFPB to investigate One Main Financial for fraud and extortion. In XXXX, the housing bubble bursted because of greedy financial companies, betting on an unstable housing boom. Well, the housing industry collapsed and all XXXXXXXX XXXX XXXX XXXX, President Obama signed off on the CFPB for people like myself to be protected from thieves like : One Main Financial. There is no rhyme or reason for me to have paid off over three fourths of the loan and the principal only went up. Please investigate this company for fraud and extortion. What's more, I bought their maintenance package, turned in several claims ; only to be denied legitimate claims. They're ruthless and someone needs to go to jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
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: Investigation took more than 30 days

Complaint:
XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I told XXXX, Transunion and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information

must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection and It is in violation of Metro 2 Compliance.
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Eradicate now or amend as indicated so to not report any derogatory allegation ( s ) versus me each any and all negative aspects of the reprehensible claims following : XXXX XXXX XXXX XXXX all negative aspects of the illegal claims following : XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : 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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureuas once more, to remove the remaining accounts completely from my Credit file. This CFPB complaint will be my 3rd attempt to inform the Credit Reporting Agencies that I was a victim of identity theft and I am submitting this Complaint to dispute certain accounts in my file resulting from the crime. My information has been exposed in the XXXX data breach. The following accounts, inaccurate name and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. Here is the list of accounts that should aloe be removed completely from my Credit report : XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXX XXXX XXXX XXXX Date XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX Date XXXX Original Balance {$2900.00} XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX Original Balance {$1300.00}. I am grateful for the Credit Bureaus actions to remove some of the disputed accounts from my Credit File. However, I am in need of their help to remove the remaining accounts from my Credit report once and for all. I am submitting this CFPB complaint pursuant of the Fair Credit Reporting Act section 605b.

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 2022-02-15
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: Personal information incorrect

Complaint:
I am writing you this notice to update the information in my consumer report. See below for my accurate personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filed a complaint with the CFPB in response into the false information that wells fargo put in a response for a previous complaint. Today I received a phone call from a rep telling me that she had till XXXX to get back to me. I asked her if wells fargo was going to take responsibility for wasting 18 months of my time and energy for lying and providing incorrect information to me. She said that any punishments would be in house within wells fargo. I asked about compensation due to the treatment from employees that have violated their code of ethics and got no response. How is this fair? They allow employees to treat customers so poorly and get away with it. Wouldn't this be a form of defrauding the customer? I know for a fact that I am not the only one that wells fargo has done this to. Lying to customers, providing false information to customers should all be punished and the customers that have been mistreated should be compensated for their time and trouble. How is it fair to let am company mistreat and abuse customers? Abuse does not have to be physical, but can also be mental. Wells fargo has been mentally abusing me for almost 19 months now, and what? They get a slap on the wrist? I have started asking other online about their experiences with wells fargo and guess what they are not all good. Im sure that the CFPB has been receiving numerous complaint regarding their business practices and their lack of customer service. When is enough going to be enough for the CFPB to do something? When will wells fargo be punished for what they do to customers on a daily basis? I gave wells fargo the chance to make this right. They had every opportunity but they chose to lie to me, they chose to pass me around to over 40 different employees there were ALL on different pages. Misinformation from almost everyone about what was actually going on XXXXIt just reinforces the fact that wells fargo does not care about theirs customers. Wells fargo needs to compensate me for the past 18 months of XXXX that I have put up with, all of the mental abuse they put me through, all of the lies that I was told. Enough is enough

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: EQUIFAX, INC.
State: OH
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: MA
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation