BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am writing to lodge a complaint against my financial institution, Chase Bank. 
On XX/XX/2022 I received a phone call from XXXX XXXX with the Chase Fraud Department. Out of caution and for verification purposes I did a reverse phone number search while speaking with her on the phone. She called from XXXX. She inquired as to if I had made a purchase at XXXX XXXX in XXXX, Arizona. I informed her that I did not make the purchase in question. She stated that she would cancel the debit card attached to my account and would send a new one and provided a reference number for our conversation and transaction - XXXX. Upon verifying my address, I was told I would receive the card the next day ( XX/XX/2022 ). That card was NEVER received. 
On XX/XX/2022, I accessed my account to pay some bills and saw my account balance was XXXX! Obviously, something was not right as I had just deposited both a paycheck and income tax return. I went to a Chase branch and was told to call XXXX to make a claim regarding the unauthorized ATM Withdrawals. I told the man I spoke with at customer service about the phone call of XX/XX/XXXX with XXXX XXXX. He said nothing about seeing someone calling me or any action taken regarding the phone call of XX/XX/XXXX. He issued another debit card and filed the claim. 
On XX/XX/2022, I went to the branch I use ( XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) and spoke with a manager named XXXX XXXX. She spoke to the fraud department regarding the status of my claim and was told it was denied because it said ATM Withdrawal. She asked for the claim to be re-opened and further investigated, i.e. security cameras, etc. The manager asked me to return in a weeks time for an update to the status on the claim. 
On XX/XX/2022 I filed a police report regarding the stolen money with XXXX Police Dept. The report number is XXXX. 
On XX/XX/2022 I returned to the branch office and spoke with XXXX XXXX again. She called to check the status and was told it was NOW denied because a virtual wallet was used at an ATM at Chase Bank located at XXXX XXXX XXXX, XXXX, Texas, XXXX. This is a different reason for denial than previously provided. They have stated that they are not refunding my stolen money. 
I am at a loss. I have banked with them for 20 years and do not give out my PIN or debit card! 
I am providing the police report along with the ATM withdrawals in the total amount of {$2100.00}. 
If theres anything that can be done, your help would be greatly appreciated. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Flagstar Bank, N.A.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX, XX/XX/2019 our property was stuck by a tornado. Our insurance company issued a check for repairs and replacement of personal property but made the checkout to myself, my wife and the mortgage company - Flagstar Bank. I endured the check and sent it to Flagstar, they asked me to do a bunch of paperwork and I did and I was ordered to have it all notarized. The contractor I hired was told to do the same. To date, I have not been able to access any of the money and have not been able to repair my property. Every time I call Flagstar it is another reason why I can not have the money issued. In addition I was issues a check for {$1000.00} from the Ohio realtors housing disaster relief fund to pay my next mortgage payment. I endorsed this check and sent it to Flagstar  and again nothing has been done that I am aware of. I spoke to someone on the phone today from Flagstar that said before Flagstar can release any money  they will need proof work has been done to their satisfaction or that I have replaced or repaired everything including personal property. The suggestion was that if I was given money for 12 pair of socks I Flagstar would have to come inside my home, into my bedroom and look in my drawers to verify I bought 12 pair of socks or they will keep the money. This greatly concerned my and I believe it is an invasion of my privacy and against the law. I am a veteran and it is a VA loan, I will talk to the VA and see what they say. I am a XXXX XXXX XXXX XXXX employee and I will see what they say and I will also talk to the Ohio Attorney General 's office to see if Flagstar is allowed to do this. We are going on 2 months and they have had the money for over 1.5 of those months and I can not get repairs done. Also, the check for my mortgage is nowhere to be found and I expect that my XX/XX/XXXX payment should be {$1000.00} less but I know nothing. Please help! I want the funds released to me at once so I can repair my home and replace what is needed and continue living my life, I also want the {$1000.00} applied to my XX/XX/XXXX mortgage payment to effectively reduce my payment by {$1000.00}

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 2019-07-16
Company: JPMORGAN CHASE & CO.
State: IN
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:
To Whom It May Concern : I have been in contact with Chase Cardmember Services about a dispute that clearly falls under the category of " goods received were not as advertised. '' I sent in a very detailed report that showed how the goods were not as advertised and how I didn't even receive some of the goods purchased in the same order. Their response was, " While you may have a valid complaint with the merchant, the results of our additional review confirm that the transaction is valid and no billing error occurred on your account. '' It's hard to understand how they could have come to that resolution, given all of the details I sent through that clearly demonstrated that in fact I did not receive what was advertised. 

The merchant is easily identified as a fraudulent company from a basic XXXX search as well, which I also provided evidence for. 

I want to escalate this so that it is reviewed by a competent oversight authority. 

Thank you in advance for your assistance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: CA
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 won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. Let me be unequivocally clear : I WILL NOT TOLERATE THE APATHY AND INDIFFERENCE I HAVE ENCOUNTERED THUS FAR. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have marred my credit profile and compromised my financial stability. The consequences have been dire, affecting my ability to secure loans, mortgages, and even employment opportunities. ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX. Please remove these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Experian Information Solutions Inc.
State: CA
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:
Thank you very much. 
I wrote the attached letter to Experian over a month ago and did not receive an answer. 
The only thing I received was an emailed copy of Experians routine dispute form. Report # XXXX with the middle name correct this time. 
The issue I raised with them may be related to problems I have encountered with ordinary transactions ( not credit ; I dont borrow ) even though my credit score is between XXXX in the past few months.

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 2019-07-16
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
midland funding is trying to garnish payments from my checking account without ever notifing me, emailing me, sending me mail, phone calls nothing. I have not heard from them in 10 years since they took me to court. The very old debt is with XXXX XXXX an east coast clothing compant that was one of those mail order credit companies. never had a credit card with them. The XXXX XXXX XXXX account was open in XXXX and its XXXX. They have been harrassing me for a few hundred dollars from when I was a kid ( young twenties ) They have accumliated the amount to {$2100.00} with all there fees court cases lawyers and were taling for a few hundred. This debt is almost 20 years old.  So last week my bank sent me mail that they tried to garnish my account and it was the first time i even heard of midland company and there lawyers. I called them and they said there going to go after me until XXXX and that I ower over XXXX and if I dont pay all of asap there going after my account account again.. They were so rude and demeaning to me and wouldnt even try to work somthing out with me. There has to be some kind of law about that attacking me out of nowhere not even knowing who they were and never reciving one phone call or piece of mail. I had to hear through my bank.. I feel like this couple of hundred that I owed to this mail order company is way too old and not even the correct amount there trying to sue me for.. what can I do? 
and they also have my husbands name who i wasnt even married to at the time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: OK
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$140.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 credit bureaus stated my account was properly investigated but how is that possible if a collection account is not supposed to have a payment history inaccurate, or a past due amount inaccurate, also it show that the collection accounts are open inaccurate, and date last reported is inaccurate. This is grounds for removal they also violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 thirty days to complete my investigation here is my certified mail tracking # 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 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2023-10-09
Company: EQUIFAX, INC.
State: NJ
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: 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-22
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have tried closing my credit card account with Barclays Bank. My account was only accessible via my website, but I was unable to access it. My userid and password did not work and I was locked out. I contacted Barclays customer service by phone. They said they would send me a code to verify my identity and reset my password but the code never arrived by text or email. I contacted them many times to ask for help, but they did not help. I decided to close my account and pay the last balance I was aware of in full. I Paid {$2900.00} on XX/XX/XXXX. I did not receive any confirmation of the payment. I was also not informed that there was a remaining balance of {$13.00}. Interest has continued to accumulate on the balance. As of XX/XX/XXXX it was {$220.00}. I became aware of this when I was notified by XXXX  ( whom I also have a credit card with ) that my credit rating had been reduced and they were decreasing my credit limit. They referred me to XXXX. The XXXX  report showed that there was a balance due on the closed Barclay card that continues to increase. I have contacted Barclay regarding this, but they are unwilling to dismiss the interest charges which continue to accumulate and allow me to pay the {$13.00}.

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 2023-10-09
Company: EQUIFAX, INC.
State: FL
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX  / XXXX  XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$190.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$570.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXXXXXX Balance Owed : {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: V and H Portfolio
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:
-Collection company reporting false and erroneous information on my credit report that I owe a debt -Never notified and have no knowledge of original debt -this debt does not belong to me -company named as original creditor of XXXX XXXX XXXX does not exist -debt has been disputed with experian as accurate with no information supplied to me including original dates of debt, any signed contracts, or proof that I owe a debt to them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: JTM Capital Management, LLC
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I accounts reporting accounts as open after there closed also reporting accounts that has no balance and very old but reported open reporting old accounts that was sold but I have no written agreement with whoever it was sold to and no Information on who it was sold too reporting accounts that are too old to be still active on my report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 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 2018-04-19
Company: MIDFIRST BANK
State: PA
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 have a mortgage showing on my XXXX credit file from XXXX XXXX. This mortgage was obtained in XX/XX/2002 by my mother. We both have the same name and I'm certain this is probably why her mortgage is was mistakenly placed on my report. The mortgage is not negatively affecting my report, however I am now trying to obtain a mortgage myself and this is causing a problem for me. When the home was purchased I was only XXXX old at the time which would make it impossible for my to obtain a mortgage, I was only in the XXXX grade. I have made attempts to have this removed so that I can start my home buying process but it has been a hassle. My mother and I do have the same name, however our social security numbers, age, and other things will verify that this mortgage DOES NOT belong to me and I am requesting that it is removed from my XXXX  report and any other report it may be reporting on.

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