BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: GA
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 sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I demand compensation per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Three of my personal accounts, three of my credit cards, three of my business checking accounts, overall 10 of my accounts have been closed by chase with no reason given. They have also locked my online account and do not allow me to access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been a victim of identity theft since at least   X/XX/2017 . I fil ed an initial fraud alert with Experian and they forwarded it to  XXXX  and  XXXX . I received confirmations from Experian ( dated   X/XX/2107  )  and   XXXX  (  dated   X/XX/2017  ) .     Per best practices, I need to review all  XXXX  credit reports for fraudulent activity to correct it as well as to inform the investigating police agency ( The   XXXX   XXXX    [    XXXX   XXXX     XXXX    ] Police Department ) Experian 's information notes " An initial fraud alert entitles you to a copy of all the information in your file at each of the   XXXX   nationwide agencies ... ''.   However, I 've tried the various phone tree options on each of the phone numbers given in the confirmation s (   XXXX ,  XXXX ,  XXXX  ) as well as that of   XXXX   XXXX   XXXX   (  XXXX  ).     No matter which combination I tried, I ended up in the automated phone system to request the standard credit report. Even when I pursued this option it failed because it could not confirm my identity. In another case, because the system hung up on -- selling me -- my  credit score and  would not go on. At no point was I given an option to speak to a human being.     I was repeated referred to  XXXX  and finally tried that. There was no option to request the extra credit report that I am hypothetically entitled to as a victim of identity theft. My attempt to order my   XXXX   credit report failed because I had already requested it once it the last year. My attempt ( on   XXXX   ) to order a second report ( Experian I believe ) failed because my eyes are no longer good enough to pass most Ca ptchas particularly those with ragged text on multi-colored backgrounds and those asking one to click on the pictures that have X ( cars, traffic signs, boats ) in  them.

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 2023-10-18
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: ND
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Lost or stolen money order

Complaint:
I was banking at Bank of the West & they had just gotten bought out by BMO Harris Bank. I attempted to wire transfer my funds to another bank account I have at XXXX XXXX Bank as I wanted to close my accounts with BMO Harris Bank. When I tried this they froze my account and told me to call to unfreeze them. I called and the woman said she would unfreeze the account. I checked three days later and it was still frozen. On XX/XX/XXXX I called BMO Harris bank to close both my checking & savings accounts I had with them. I called at XXXX XXXX XXXX. The man on the phone told me he would close the account and the check for about ( total of checking and savings ) {$4000.00} would be in my hands in 2-3 business days. I told him 3 times what address to send it to as they had the incorrect address on file, even though my current address was updated with Bank of the West. The man repeated the address I gave him and I verified it was correct. I did not receive the check at this time so I called and asked where it was. The man told me it was actually 7-10 business days. So I waited and did not receive the check, so on XX/XX/XXXX I called again asking where my check was. I was told by XXXX that it was mailed to my old address and not my current one, even though each person I spoke to prior to this verified my current address. XXXX then told me to wait until XXXX for my check. Between XX/XX/XXXX and XXXX I left XXXX multiple voicemails and got no return call. On XXXX there was no check so I called again and spoke to XXXX. He told me that it was in fact mailed to my current address. He told me that he would put a request for a XXXX to call me back which would happen in the next XXXX hours. XXXX XXXX was a Friday and XXXX a holiday, that would mean XX/XX/XXXX. I got no call from anyone during that week. I called on XX/XX/XXXX and spoke to someone who told me that her XXXX would personally call me that day, and I havent received a call. Its now XX/XX/XXXX, and I have been late on my rent and other bills, owe multiple family members money as they have been so kindly doing what they can to support me during this time.

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 monetary relief
Consumer complaint received 2017-05-05
Company: EQUIFAX, INC.
State: VA
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   XXXX   XXXX / XXXX / XXXX  SS #  XXXX   XXXX / XXXX / XXXX   XXXX , Equifax and   XXXX    will not investigate my unauthorized inquires on my report. They will not validate the inquires and they continue to ignore my request to deleted the unauthorized inquires. It has been over 60 days and by law they must deleted them all. all they do is say validated with no proof!!!!! who validated them give me a name and date and phone number of the person.       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  Delete all my unauthorized inquires from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: ALLY FINANCIAL INC.
State: MO
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 credit was ran several times without my knowledge

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 2023-10-14
Company: AXOS FINANCIAL, INC.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened and funded a XXXX XXXX XXXX account at XXXX XXXX part of Axos Bank with XXXX in late XX/XX/2023. Now I am trying to withdraw the money from the account but am unable to do so. According to the directions of the website, there is supposed to be a tab on the dashboard called XXXX money. This tab does not exist on the website or the app. When I called regarding this issue ( XX/XX/2023 ) I was told there should be a tab on the dashboard with this feature. The agent told me she would report the issue and I would receive a message regarding this. When I received no message, I called again ( XX/XX/XXXX ) and was told to wait a while. He refused to transfer me to a manager or supervisor. He was very vague and could only tell me he saw a case was created. No specific time or reason was given for resolution and I am unable to get my money back from this bank. I requested they close my account and mail my money to me but he stated he could not contact that rep but he saw my request. I also tried to attach my XXXX account to XXXX which was successful, but when I requested a transfer of funds, it was rejected. I requested to close my account and was sent no response through their message area on the website. I would like my money returned as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX 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 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 Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: JPMORGAN CHASE & CO.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a phone call today ( XX/XX/23 ) from an employee from XXXX XXXX inquiring about the checking account application I had completed online yesterday. I advised him that I did not apply for any bank account yesterday and that I currently have zero bank accounts open at this time. My last checking account was with XXXX and that account has been closed for nearly one year due to inactivity. He then informed me that after further investigation of my name, that I have five open bank accounts. He named Chase, JP Morgan , XXXX XXXX XXXX, but I can not remember the other bank names. Ive begun the process of correcting these fraudulent moves in my name and adding extra protection where needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2017-05-18
Company: United Student Aid (USA) Funds
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had  a  XX/XX/XXXX  stud ent loan originally with  XXXX  that was sold to  XXXX  /USA Funds t hat was not consolidated with my total  Student  loans due to transferring loan providers/attempting to collect while I was still attending school. These smaller loans demanded to be paid the same $  XXXX /mo payments as my large loan which I could not afford while I was in school or after. They went into default before my loans were due for repayment after graduation in  XX/XX/XXXX  because I had no additional income with my large loan taking priority.     In  XX/XX/XXXX , these loans were paid off with the Department of Education. I sent proof to all  XXXX  credit bureaus and everything was reported paid. Last week, I checked my credit status again and found  USA   Funds/  XXXX  was reporting I owed {$19.00} and {$12.00} (  XXXX  totals : {$17.00} & {$10.00} on FAFSA site  XX/XX/XXXX  ) and it has been reported as past due since  XX/XX/XXXX . I have not received an invoice or bill for these outstanding balances . USA Fu nds does n't accept calls.  XXXX  does n't reflect I have an account any longer so I can not access information from them directly. I found that  XXXX   XXXX  in MA is handling their disputes now but no one is providing me any information so I can pay or have these amounts closed.     I understand  USA f unds has agreed to refund $  XXXX  in fees charged, and I am sure they want to get something out of me or  the Dept of Education. However, my debt was paid to the federal direct loan provider, and my balance should reflect {$0.00} owed by USA  Funds/  XXXX   as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX   XXXX   XXXX   XXXX   was added to my collctions on my credit report and i never recived noticed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase is forcing me to accept 2 electronic agreements before I can even view or access my credit card or mortgage account information. One agreement is 10 pages and one is 124 pages. Buried within the language is the unilateral right to change all communications, including monthly statements, to electronic rather than hardcopy form. I urgently need to access my account to review recent transactions and make an online payment and I am being held hostage by 124 pages of legalese that I refuse to blindly accept. Who knows what else is buried in there. This is disgraceful corporate bullying and needs to be stopped immediately. I feel for anybody who also uses Chase for banking services right now and is unable to access their money because of this strong-arm tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company will not remove the item from my report. I agreed to pay the debt off if they deleted it. I paid and its still on the reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26
Company: Experian Information Solutions 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:
EXPERIAN, XXXX  AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING THESE FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS AND INQUIRIES : XXXX XXXX XXXX : Account Number -- -- > XXXX -- -- -> Date Opened : XX/XX/XXXX XXXX  XXXX XXXX : Account Number -- -- -> xxxxxxx -- -- > Date Opened : XX/XX/XXXX XXXX XXXX : Account Number -- -> xxxxx -- -- -> Date Opened : XX/XX/XXXX XXXX XXXX : -- -- -> XXXX -- -- -> Date Opened : XXXX Fraudulent Inquries : XXXX XXXX/XXXX  : Inquiry Date : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX : Inquiry XXXX : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX  XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/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 2023-10-18
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
My bank account was hacked & used & money was transferred in and out from credit card to checking, US bank had FIVE DEBIT CARDS ATTACHED TO MY CHECKING ACCOUNT AT ONE TIME WITH 3 checking accounts established until they could figure out what was going on but only made the problem larger with so much confusion with the mishandling of disputes & money transactions, transfers, purchases, deposits, I filed a police report XXXX police & fbi for fraud identity theft, also filed claims with US BANK & my insurance company.money was taken out of my us bank visa as payment {$2000.00} on XX/XX/23? My visa account was. Closed & left with a balance of fees {$740.00}?

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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
ON THE ATTACHEMENTS ARE MY TRANSUNION CREDIT REPORT IM DISPUTING IN METRO 2 COMPLIANCE. SHOWING ALL MISS INFORMATION INACCURATE REPORTING.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: Porsche Financial Services, Inc.
State: IL
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 reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution! 

Update the account to Paid on time and never late. Or remove it from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
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:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started an account wit h TD Bank to  help rebuild my reputation with banks. Unfortunately I never received my statements. According to TD bank my account was closed due to no activity and charges were placed on the account by the bank in the form of fees. According to a letter supplied by  XXXX   XXXX   XXXX   Direct Line   XXXX . When I asked for Verification of Debt, which I have complete right to unde r US Code 15 USC ( Fair Debt Collections Pra ctices Act ) I was told "  XXXX . '' the gentlemen completely refused to of fer Verification of Debt. I  had no idea that this matter was outstanding, and that is demonstrated because I attempted to start a third account, it was frozen because I owed,  XXXX  on  XXXX  account and another account was  XXXX  dollars and that was forgiven. I only contacted this bank because I was going through my  XXXX  account and my   XXXX   to clean up any issues. I believe that the  XXXX  report may even state that this was paid, I will have to find that document and followup either way.

Company response to consumer: Closed with explanation