BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Last year, I opened a checking account online with a bonus coupon through Chase website. I was successful at opening the account and Chase mails me the debit card to the account. Chase closes the account without notice. 

I go to their branch to see what the issue was. The personal banker told me that they couldn't reopen the account back, but I could open a new checking account. Here is the issue, their system would not allow the personal banker put in the {$220.00} bonus coupon for opening a Chase Total Checking account and setting up direct deposit even though I never received it initially because Chase closed my first account. 

I tried contacting Chase to solve this issue, but they were not able to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Credit bureau is not updating my correct scores. Everytime my score reaches a higher score the credit bureau will decrease my scores. I am trying my best to take care of my family and because of this issue it is very difficult to find a home for my kids and I to live. I feel like it is discrimination.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Upon examining my Consumer Reports, I observed the presence of two tardy payments linked to an account for which I have maintained a consistent record of timeliness. The pivotal function undertaken by Consumer Reporting Agencies entails the accurate depiction of consumer information to the utmost degree. It is imperative that they fulfill this role with the highest level of precision. I wish to underscore that I have consistently met all payment deadlines for the account in question, namely : XXXX XXXX I hereby request a thorough investigation into this matter, accompanied by substantiating evidence in the form of statements validating the alleged late payments. Should such evidence not be forthcoming, I insist that the status of these payments be rectified to accurately reflect their punctual remittance, as has invariably been the case. It is worth emphasizing that I have maintained an unblemished record of punctuality and should not be penalized with erroneous late payment notations. 

I appreciate your prompt attention to this concern. 

Yours sincerely, 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 2021-04-25
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I don't understand why my mortgage loan amount remains the same despite my owning my home for over XXXX years. If I paid $ XXXX per month ( for a year ) and for XXXX years -- why has my home loan amount remain {$110000.00} -- this is the cost of the home that I had bought over XXXX years ago. 

I await your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
To whom it may concern, This was about 2 year ago when I open an account with BOA. I was returning due to i received and offer for returning customers. You could get XXXX dollars for opening and account. 

I called their customer service on a Thursday or Friday. The representative took my information over the phone. I transferred XXXX from the other bank. 

So, I set up all my bill pay and notified my bank that I will be going to another bank. I woke up on Saturday morning and I tried accessing my online bill pay. I call the customer service only to be told my account was closed. They gave me the risk number only to be told BOA could close the account without notice. I didn't do anything illegal and the funds would be direct deposited from my employer. They told me I would be banned for life. I have been with BOA since 1991. If I haven done anything illegal why am I being banned? I work every day and a law abiding citizen.

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 2022-03-28
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I bought some furniture from XXXX for my son in early XXXX. When doing the credit application, I put my CORRECT HOME ADDRESS ( XXXX XXXX XXXX, XXXX, MD XXXX ), BUT XXXX XXXX AND XXXX STUPIDLY USED THE DELIVERY ADDRESS AS MY HOME ADDRESS AND HAD THE AUDACITY AND UNMITIGATED GALL TO UPDATE THAT ADDRESS TO ALL XXXX CREDIT BUREAUS. I DONOT AND WILL NOT EVER LIVE IN XXXX. I SIMPLY BOUGHT A GIFT FOR MY CHILD. I GUESS IF I SEND A GIFT TO XXXX AT THE XXXX HOUSE, THEY SHOULD UPDATE MY ADDRESS TO XXXX XXXX, XXXX XXXX!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
So as one does, I e-filed my taxes at the beginning of XXXX, the date it was recieved into my savings account was XX/XX/XXXX for the amount of XXXX by chase, the very next day the account was closed without any noticed and all the funds were withdrawn from my bank. I then proceeded to call the bank 3 times and all the times said the money had been sent back to the IRS. However, calling the IRS 3 times I get the response that it had been accepted by my bank XX/XX/XXXX, it has been 3 weeks and I have not received a letter or notification on where my income tax return is. There was no notice of my savings account to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Early Warning Services, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Scammed through Zelle through XXXX XXXX I have never used Zelle. This was my first time, and the person scamming me walked me through the entire process in order to pay for furniture I was supposedly selling to them. This happened on XX/XX/22. In the total amount of {$600.00}. Zelle says because I authorized the transaction there is no refund. However I was one thousand percent induced to send. I have the entire conversation to show proof. I have already filed a dispute through my bank but after research on this type of problem, Zelles resolution is no refund at all. Period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
This company told me that they would delete these two fraudulent credit card accounts from my credit report, one business and one personal, from Capital One bank. I sent this company the police report which confirmed identity theft multiple times and they still are reported these account on my XXXX credit file. This is defamation of my character and a violation of my rights. These two fraudulent accounts, and the four credit inquiries from Capital one and capital one auto finance need to be deleted from my XXXX credit report for fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The collection agency is blaming you and you are blaming them. I have not gotten any results with your actions. I will like for you to investigate this matter to the full extent. Read the documentation I have attached.15 USC 1681 states, " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' Yall both are participating in this allegation, and I want to have my attorney general involved if you don't honor the law. You understand that the lenders depend on you for accuracy according to the law being stated and by your errors, its undermining the public confidence such as banks and apartments. I can not move due to your carless errors. This account remains inaccurate after every dispute investigation which means in the investigation of XXXX are not performing very well and are not lawful. You are supposed to contact neighbors and other sources to verify the debt. I am wanting to know when are yall going to own up to mistakes and pay me and delete the account. I have attached the collection agency statement about your actions and the credit reports before and after investigation.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$30000.00}

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 non-monetary relief
Consumer complaint received 2023-07-19
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA you are expected to delete this items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-31
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have an ID theft problem and I can't even keep up with everything that is going on. It's on my credit report that I disputed my XXXX Credit card and I didn't. Basically, it was a fraudulent complaint. This ID theft person or group of people do stuff like this to confuse the issue. There are so many other things. It's just too much to deal with.

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 2023-01-11
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. 

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 has violated my rights. 

5 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 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2023-10-06
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2023-10-06
Company: I.C. System, Inc.
State: VT
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IC System settled a debt with me, then sold the full debt to another debt collector. Then pretended they never heard of me. Below is a screenshot of my credit report with them before they sold it to another company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Capital One Bank are refusing Arbitration under the Federal Arbitration Act regarding the Fair Credit Billing Act and the Fair Credit Reporting Act regarding an transaction with XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Waypoint Resource Group, LLC
State: NY
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt was opened in XXXX I filed bankruptcy which was discharged in XXXX The original company XXXX keep selling the debt to different companies although it was in a bankruptcy. This debt is over 10years old and now on my credit stating it was opened in XXXXthis needs to be removed from my credit.

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 2021-04-25
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter dated XX/XX/2021 identifying my mortgage was being transferred from Mr. Cooper to XXXX XXXX  as of XX/XX/2021. The letter states the date my present servicer which is Mr. Cooper will stop accepting payments is XX/XX/2021. I made a payment through the Mr. Cooper app on XX/XX/2021. On XX/XX/2021, I received confirmation the payment of {$3500.00} was posted to my account. In speaking with my Bank on XX/XX/2021 my Mortgage Servicer Mr. Cooper reversed my payment back to my bank. The details on my Bank account show this payment was reversed. This is unacceptable and violates Mortgage Servicing regulations & UDAAP. The funds for this payment are good and should not have been reversed by the servicer. Mr. Cooper 's practices are abusive to me as a consumer and also violates servicing regulations. I will gladly have my Bank provide any proof demonstrating the lender reversed my payment. This should be resolved immediately and my payment should be credited as the regulations requires as of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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:
There is a XXXX  XXXX bankruptcy on my credit report that does not belong to me. It was already removed from XXXX and XXXX and per fcra law they have to report correctly. Please remove the bankruptcy 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 non-monetary relief