BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase released {$6800.00} without my authorization, on a fraudulant check cashed with a name that doesn't even match, has never been associated with myself or my account -- just a completely falsified check with a MAN 's name on it, printed at the top, and signed by the same man. 

I notified Chase as soon as I saw this on XX/XX/XXXX via phone. They said it was obviously a clear case of fraud and we could expect our funds back in 3-5 days. This was already unacceptable as we needed to wire some of those funds to close an escrow the next day. 

Since then, another 10 days have past. I went into a branch immediately on Monday XX/XX/XXXX where we I did my due diligence of reporting this in person and was told again it would be resolved in a couple days. Those passed and still nothing. Another promise of " tomorrow, or day after, latest. '' Those days passed. Now XX/XX/XXXX, went into branch again only to be told now they don't know when. Our rent is past due and I have no money. They have broken promises on 3 or 4 separate occasions on this already. We have a copy of the bogus check and they do as well. Everything 's been reported and filled out and they keep making false promises and stringing me along as my life falls apart with {$0.00} dollars. They didn't even look at the name on the check. They gave away all my money, {$6800.00} and I have no idea or confidence at this point when or if I will even get it back. They keep lying and refuse to replenish my money they recklessly released and refuse to give my money back. They are FDIC insured, they are supposed to protect against this sort of thing and certainly help and make good on their word to distressed customers whose lives are in dire straits rather than lie, make false promises, use stall tactics and refuse to make the funds available that SHOULD NEVER HAVE BEEN RELEASED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-21
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
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 is missing that should be on the report

Complaint:
XXXX XXXX and XXXX Compliance Deficiencies and FCRA willful violations by Experian and XXXX XXXX require permanent deletion of my closed accounts. Despite my clear disputes for repeated willful FCRA violations about XXXX XXXX non compliance, Experian and XXXX XXXX are still NOT XXXX XXXX Compliant which should have forced and requested XXXX to verify whether EVERY item and every required field is filled in accurately, mandatorily and logically XXXX XXXX  perfect to meet compliance standards as set forth in the XXXX page Credit Reporting Resource Guide , created by Experian, to meet All of the requirements of the FCRA, FCBA and ECOA to insure maximum accuracy and complete information on my credit report. My attached paper credit reports of XX/XX/22 and XX/XX/22 of Experian for XXXX XXXX disclosed numerous XXXX XXXX deficiencies which are quite obvious to mention as deficiencies should have resulted in AUtOMATIC deletion of the XXXX XXXX file. How could mXXXX XXXX Account be closed on XX/XX/22 but open on XX/XX/22 despite my repeated disputes on this issue? Clearly, Experian and XXXX XXXX  are not XXXX XXXX Compliant mandating deletion of my XXXX XXXX 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 2022-07-26
Company: Experian Information Solutions Inc.
State: MO
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:
Experian has a sign my file to a agent called XXXX XXXX this guy have blocked my disputes from disputing items, and reaching other agents to get real and honest help. Experian and XXXX XXXX has stored personal information where I can only see it if am disputing, on the credit report. On my experian site it shows inaccurate information but Experian has shown me inaccurate information knowingly its more to my credit report which to me is fraud to steal my identity or to make it look like my dispute is inaccurate but its not am being target by XXXX XXXX knowingly using deceptive tactics to undermine my credibility and give lenders the wrong impression. Experian and XXXX XXXX keeping old information and using as refurbished as new. Experian and XXXX XXXX has added to my Experian Credit Report under my social without my authorization address XXXX XXXX XXXX XXXX this address is a copy of my real address I wonder where Experian and XXXX XXXX get this also IU have proof its on my credit report I will send. Experian and XXXX XXXX has willfully noncompliance with the law and knowingly use deceptive tactics on my credit report to undermine my credibility and give lenders the wrong impression. Experian and XXXX XXXX on my request more than 4 times, again, have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Over and Over I ask and sent letters requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. I have proof with high light documents showing my complaint. Also I have proof that XXXX XXXX has contacted my banks and accounts that was not inside any disputes that I made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: CITIBANK, N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citi solicited me by snail mail to open a " XXXX '' XXXX  Checking Account and fund it within 20 days. Before the 20 day deadline Citi closed my new checking account without my permission and without first contacting me. XX/XX/22 spoke to XXXX other Citi reps in XXXX XXXX and both hung up on me explaining " we need to end this call ''. XX/XX/22 called Citi again and spoke to a supervisor in New Accounts Servicing ( named XXXX with ID # XXXX ). He promised NOT to hang up on me, verified me, and then hung up on me. XX/XX/22 received a letter dated XX/XX/22 from Citi Fraud Dept saying they've closed my new checking account and I can contact them at the same number on the back of my ATM card-the very same number where where they repeatedly hung up on me!! Outrageous behavior. I'm a current long-time Citi credit card holder.

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 2018-11-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2018 I sent out a dispute letter to Experian to validity and accuracy of your recent investigation of these bankruptcies that is reporting on my credit report. I ask them to explain how they conducted their investigation. I request the name of courthouse, the clerk name that you verified the dispute with, the address, the telephone number and documentation used to verify the dispute. I also request a notarized affidavit confirming the information that is provide is true and correct as per my civil rights granted under several federal laws. On XX/XX/2018 I sent the courts a letter on there procedure for verifying information with the credit bureaus. I called Experian XX/XX/2018 asking them to how they validate these accounts. They stated the courts validated the account but can not send me proof of validation but told me to ask the courts for validation.

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 2021-04-30
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am XXXX  that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXXXXXX  and XXXX  and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: IL
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:
15 U.S.C 1666B States : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
TRANSUNION : reporting my name, employer and several phone numbers incorrectly. My name shows as XXXX XXXX XXXX and it should only report as XXXX XXXX. Also, you are reporting several phone numbers that I have never owned and they do not belong to me. Please remove the following phone numbers from your report. Also, please remove the employer UPPING XXXX XXXX XXXX my employer is XXXX 
Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX XXXX : is reporting an address as former that does not belong to me listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove this incorrect address from my report. XXXX is reporting Employer as XXXXXXXX XXXX. They are not my employer XXXX is my employer. Please update my employer to say XXXX. 

XXXX : is reporting an address as former that does not belong to me listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove this incorrect address from my credit 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 non-monetary relief
Consumer complaint received 2020-08-03
Company: Credit Plus Inc
State: NY
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:
On XX/XX/2020 XXXX XXXX pulled my credit report without my consent. When I contacted them, they stated it was incorrect pull and they would rectify the situation. Today, XX/XX/2020 I received a letter stating XXXX XXXX XXXX ran my credit from an old CLOSED account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Navy Federal Credit Union has yet to resolve the pressing matter I have disputed with them in regards to the reporting of inaccurate information on my personal credit report, I have no recollection of this account and have previously informed them that I was a victim of Identity Fraud due to various data breaches. Multiple attempts have been made to resolve this issue with Navy Federal Credit Union. Unfortunately, the problem remains unresolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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:
I have disputed this error now a few times and Experian is not addressing my dispute. This is inaccurate and false Public Record 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 2019-01-10
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
my mortgage has been paid off since XX/XX/XXXX through the bankruptcy of XXXX XXXX. Ocwen reported this to IRS that the debt has been paid in full. my property has a pre-foreclosure notice since XX/XX/XXXX and I sent Ocwen a " written request ' to justified the mortgage debts that balloons up to {$3.00}. XXXX. Today, XX/XX/XXXX, I received their response and have no intention to correct any errors on their records. Ocwen fraudulent misrepresentation is still continuing to affect homeowners of their deceptive practice of collecting a paid off debt. The XXXX XXXX penalty is not a deterrence for them to follow the government regulations, for Ocwen, it is still business as usual even though there was a pending lawsuit against Ocwen in Florida by CFPB, not updating their records through their use of technology that spits out incorrect information that damage homeowners as a whole. I can provide documentation to prove their misconduct. thank you.

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 2018-10-15
Company: Experian Information Solutions Inc.
State: CT
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:
There are many mistakes appear in my report without my understanding.

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 2020-06-16
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had an account with XXXX, at the end of the term, I already returned their modem and provided them with the XXXX tracking number, and they acknowledged that the shipment has arrived at XXXX, but they misplaced the modem in the warehouse and can not locate it. However, they kept sending me AmSher for debt collection. 
[ see attachment for proof my shipment, and name of customer service rep who acknowledged they received the shipment ) I called AmSher ( XXXX XXXX XXXX XXXX, AL XXXX ) and they failed to remove the collection. 

This is fraud from XXXX on a massive scale to defraud hundred of thousands of unsuspecting customers who have a modem/router that they lent them to use while being a customer. 

Please take decisive action and fine XXXX before they hurt more former customers like me. 

Thanks so much XXXX XXXX XXXX XXXX XXXX XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX has been paid in full with settlement offer they are still reporting that I owe {$590.00} when my balance is now {$0.00} they also said that they will remove it from my report. I have proof that it was paid off onXX/XX/2018.

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX, Transunion And XXXX are in violation of federal law. Here is the. Law that has been broken and violated : 15 USC 1681 2 ( i ) states : report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Definition of consumer Report : ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other enity These Agencies are indeed a corporation and have no right to violate the law! These agencies are not above the law. And until the law changes, they are expected to abide by it! 

I have tried reaching out to XXXX, TransUnion and XXXX. They are acting completely oblivious to this wall. It is a federal law in which they need to follow. They are in violation of This law and action needs to be taken if these credit reporting agencies refuse to abide by the law. 

I have sent correspondence to the credit reporting agencies About the violation of the wall and they still convenuously Are violating Is this federal law! 

Until federal law changes, The credit reporting agencies are expected to follow the law!

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