BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: JPMORGAN CHASE & CO.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, Amazon returned two charges that were not supposed to come out of my account the week prior. Chase is flat out refusing to reverse the overdraft charges that were associated with those charges that were reversed. They also are refusing to reverse the following two overdrafts that would have been prior to me being over the {$50.00} cushion once Amazon reversed the two charges. They have withheld this money for going on three weeks now and are lying about the whole situation. I originally disputed one Amazon charge but then called Amazon and they gave me both charges back so Chase took that original disputed charge back out of my account but returned only one overdraft fee.

There is still one overdraft fee attached to one returned Amazon charge that hasn't been returned to me, and one other overdraft fee attached to another charge that should be returned due to their " cushion '' allowance. They have made it where I can't take any screenshots of what I'm seeing on my app and change what is showing on the notification or letters tabs depending on if I've emailed them about this. 

They also have shut my debit card off where there is no more cushion allowance on my account. They've essentially held these fees for almost three weeks causing my limited income to be even less. I went two weeks without any money due to them keeping a whole deposit to pay for their bogus overdraft charges. Then they cut into a third of my deposit this week and cut my card off where I don't have any cushion which is fine as long as they returned the bogus fees from two weeks ago but they haven't done that. I'm tired of trying to work with them when they're bound and determined to keep fees that I don't owe to them. 

I tried to download my banking statements but they show a XXXX once finished with the download so I've got no way to send them to you to be able to prove what is going on. I've tried to download them for almost a week now. 

Chase is also holding direct deposits for over two days instead of putting them into accounts the day they receive them. I may see the deposit on my end in the app but it's really not going into the account for at least two days after it's seen on the app. This makes debits total more than deposits in the account. I think this triggers overdraft fees but maybe I'm wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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.

The letters are stated with items and issues. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. This 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 XXXX # XXXX, 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 Section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2019-11-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is not mine and needs to be removed from my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I, XXXX XXXX ( Formerly XXXX XXXX ), have been taken advantage of by US Bank National Association, located at XXXX. XXXX XXXX, XXXX XXXX, MN. XXXX. I applied for an XXXX XXXX Card back in XX/XX/XXXXand received a letter from US Bank on XXXX XXXX, XXXX, stating that my XXXX XXXX XXXX ending in XXXX would be replaced by my new US Bank Card, with an outstanding monetary credit limit, that could be used to pay off bills. I am an ordinary consumer in debt trying to pay off existing debt. Why would a National Bank replace a consumer 's credit card, who is very much in debt, with a credit card that has a high monetary credit limit? What is the purpose, I ask you? I did not request a different card with a different account number. I had became delinquent in payment due to job closure. I entrusted XXXX XXXX XXXX for Bill Consolidation help with my credit cards and found that they were pocketing most of the monies and they dropped me as a client. All of my creditors came in on me. US Bank turned my account over to XXXX and XXXX XXXX XXXX Firm to collect the debt. I have been giving the collection agency " good faith '' payments, which the company proceeded to take me to court for the entire amount. US Bank has been really taking advantage of me ( a hard working tax paying citizen ), who is very concerned about keeping a good credit standing. Please help look into this matter at hand. I am hoping that no other consumer get caught up into the same situation that I have been put into. 

Thanks, XXXX XXXX XXXX Formerly XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have Disputed Hard Inquiries with Equifax that was A result of identity theft on XX/XX/XXXX and they have responded saying that the inquiries were verified as accurate. When according to the FCRA when an item is disputed as Fraud it must be removed from my credit report. I have also reached out to all of the creditors, and they all suggested to contact the credit bureaus for deletion due to them being the data furnisher. They have still failed to remove these fraudulent inquiries and have violated my privacy rights. The following Fraudulent Inquiries are Performance XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: FL
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: HOUSTONIAN MORTGAGE GROUP, INC.
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a VA loan thru K & G Capital Mortgage and the owner XXXX XXXX. After submitting the loan application, XXXX XXXX told us we were pre-approved. After waiting with minimal communication XXXX XXXX us an email saying there will be issues with the loan. I am not upset because the disapproval, I am upset because XXXX XXXX led us on. During the wait time I have depleted my savings account to pay my debt down. Temporary housing and my son will probably not be able to pass his grade due to him missing school. We could not enroll him because we do not have an address. Today after 30 days we are going to be homeless and my son is not enrolled in school yet. I am a XXXX veteran and this is no way to treat a veteran.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-16
Company: JPMORGAN CHASE & CO.
State: MD
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:
XX/XX/2020 : we booked a trip to XXXX through XXXX XXXX XXXX, using teh Chase Sapphire card Cost XXXX XXXX XXXX : XXXX  cancels trip ( no refund, credit offered, but not accepted for future travel ) Note : numerous calls and emails to XXXX  for a refund went unanswered. 
XX/XX/2020 : we submit on-line dispute to Chase ( Sapphire Prefered ) On-line recommended on site, 6 - 8 week response, no ability to submit documentation. 
XX/XX/2020 : Chase confirms dispute # XXXX XX/XX/2020 : Chase rejects the dispute, including FAX from XXXX claiming we did not cancel. Correct, we did not cancel, they did and we wanted a refund not a credit. 
XX/XX/2020 : we contact Chase, via phone, and are told to provide documentation showing XXXX canceled the trip. Documentation is mailed to supplied address XX/XX/2020 : Chase confirms dispute # XXXX. 
XX/XX/2020 : XXXX enters " Administration '' aka bankruptcy XX/XX/2020 : Chase rejects the dispute, again, saying charges were valid XX/XX/2020 : we contact Chase ( XXXX, Supervisor ) told dispute rejected because of timeliness and we had no recourse. Called again ( XXXX ) told time was extended and we we had 3 days to submit documentation, FAX was not and option for us. We were then transfer to XXXX, XXXX who said we had no claim or options. We then gave up. 
( note : dates on Chase correspondence is their date, receipt of letter is about 7-10 days later )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-26
Company: Incomm Holdings Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
daughter paid for this card to help me pay doctor bills, she put {$420.00} on it at XXXX. They told her it would take a few days for the money to be loaded. I tried to use the card on XX/XX/XXXX and found there were no funds. On XX/XX/XXXX there was a charge to XXXX in arkansas for the full amount. I live in nevada, I did not authorize. Contacted XXXX on the internet and they said there was no charge to my card number. Contacted the number on the card and spoke to XXXX on XX/XX/XXXX at XXXX. I was told it would take 10 business days to resolve and to get my money back. I was given case Id and email of XXXX to find out how " investigation '' is going. I have emailed them 3 times, no response. Again I called the number on the card and spoke to XXXX who now tells me that is will take XXXX to XXXX for the " investigation '' to find out XXXX did not make the charge that i was able to find out in minutes. Something is definitely wrong with this. I am XXXX and I need this money for doctor bills. How can they just take my money like this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: SYNCHRONY FINANCIAL
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: Old information reappears or never goes away

Complaint:
I have accounts on my credit report that have been paid and the company agreed to remove them off my report but they still appear on the report. I have notified the credit reporting agencies and they are still on my report.

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 2021-09-22
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have been with Bridgecrest since 2017. I have paid over XXXX towards a 10 year old car. I am upside down and offered to pay them XXXX additional on the loan and company refused. They stated they don't do settlements. My payments are current and the car is not the best. I got approved for another loan. It is sad how a company shows no interest in helping their customers.

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 2023-11-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposited a couple paychecks to Chase through my mobile checking account and forgot to sign the back of the checks in XXXX. 2 out of 6 checks were past 6 months so Chase put a hold on my account and the funds. I went to my local branch and several other ones near me to try to get them released. They tried to verify the number linked to the XXXX with no avail. The owner of the checks- my boss- went with me multiple times to Chase to verify the checks and confirm they were not fraudulent. Chase refused to release the funds even though the owner provided proof of ownership of the XXXX under the XXXX and stated they would only be able to release the funds once they got the correct phone number and called it using " their '' system. Despite the phone number we gave them being attached to the XXXX name of the business with the same address as the XXXX on the check, Chase has refused to release the funds. The funds have been pulled from my boss 's account and has been held and not been released for 2 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2021, Bank of America placed an {$880000.00} hold on my account. I spoke with a branch manager and got customer service on the phone. They could not provide a reason as to why this hold was placed on my account. I was told to call back the next day. I called the morning of XX/XX/2021 and there was no answer as to why the hold was placed on my account and there was no reason for what initiated the hold to begin with. No information. Nothing. Just told to call back later. In the meantime, they are illegally holding $ XXXX of my money. This is after having a XXXX  XXXX  put in and having told bank of america that this type of stress this close to my procedure puts me at undue risk for complications. They could care less. I will be suing 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 monetary relief
Consumer complaint received 2019-08-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Not enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested an investigation to verify an alleged debt owed by me to PORTFOLIO RECOVERY ASSOCIATES in the amount of $ XXXX.Verification according to the FCRA section 609 ( a ) ( 1 ) ( A ) through the physical verification of an original signed consumer contract has not been established and I have yet to recieve the documentation that I have requested.They continue to be in violation of the FCRA and the FDCPA and are causing severe damage to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute and request the removal of inaccurate information that is currently present on my credit report with your bureau. I have identified specific issues that require your immediate attention : an inaccurate late payment entry that persists despite being successfully removed by another credit bureau. 
Inaccurate Late Payment : CAPITAL ONE XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I kindly ask that you investigate these discrepancies promptly and take the necessary steps to correct the inaccuracies on my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure the accuracy of the information they report, and I trust that your bureau will uphold these standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit was ran by Capital One on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX and I did not authorize these inquiries. It is being reported on my credit report without authorization and I would like this inquiry removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
To whom it may concern, I have filed an incident investigation report with the state police on XXXXIhe incedent took place on XXXX XXXX for unemployment compensation and also another incident on XX/XX/2022 for them opening a checking account using my identity.I have taken the legal steps to close these accounts and changing the important information.Unemployment filed a fraud case on XXXXTrying to move forward with all that.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
yes i have disputed these accounts multiple times and every time they keep saying its accurate when its fraud i have never did business with any of these companies and im really getting fed up with this whole thing like how can i get this removed like i want to take legal action at this point they keep saying its accurate when it would be accurate if someone is using my information so it makes so sense they said they were going to send the letter in the mail never came and now i want to sue Company 's Response In response to the correspondence we received, a letter of explanation has been sent. Following is the body of the letter. " In response to correspondence previously received under case number XXXX, our letter dated XX/XX/2020 confirmed that we are no longer reporting the above-referenced account to the credit bureaus and that we had terminated collection efforts. If our trade line should continue to reflect on your credit bureau report, we suggest that you dispute the trade information with the credit bureaus. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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