BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-23
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX  XXXX  XXXX-Chase-XXXX XXXX-when people were asked to start checking their accounts balance for Stimulus Check-banks-credit unions started charging a fee for checking bank balance-this the financial institutions did not do- before people were asked to check their bank balance for stimulus checks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Citibank acknowledged after 4 months that I was a victim of Identity Theft but only credited my checking account half of the funds ( $ XXXX {$5000.00} ) that were fraudulently withdrawn. I have filed a XXXX appeal with their Citi XXXX XXXX XXXX ( Citi Reference Number : XXXX ) only to be told that my appeal has been denied to have the remaining {$2500.00} credited back to my account. The special investigator assigned is XXXX ( XXXX Ext # XXXX ) who I found to be very rude and completely unsympathetic to my situation. I have left him several messages but he never returns my phone calls. I am at my wits end trying to get the remaining funds credited back to my account. I am a XXXX  living on a fixed income and being out all of these funds has created a significant financial hardship. I am calling upon the Consumer Financial Protection Bureau to intervene in this matter to facilitate the respective funds to be credited back to my account by Citibank. 

I can be reached at ( XXXX ) XXXX and welcome the opportunity to discuss this matter in greater detail.

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 2023-01-21
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection agency is reporting the incorrect amount on my credit report. I have sent numerous letters requesting for debt to be removed from my credit report as it is inaccurate. I as well along with these request have sent over copies of the correct balance from the original creditor, yet the debt collection agency refuses to remove the collection from my credit report and is actively pursing the invalid debit. The agency has failed to fulfill my request along with supply data displaying the incorrect amount such as charges. The debt amount listed on my credit report is for {$35000.00}. The amount listed on my final statement from the original creditor is {$9700.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-18
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Accounts appears as potentially negative with a open date of 2006.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-04-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is 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 account. 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. Please delete the account : Bankruptcy XXXX XXXX-discharged Filed on XX/XX/2017 Reference number : 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 2020-02-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019, I made a cash deposit, in the amount of {$5000.00}, inside the Chase Bank located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX with the only bank teller that was on duty at the time. I deposited the {$5000.00} cash into my checking account. I live in Florida but was in Texas on vacation. When I returned home to Florida, I realized the {$5000.00} deposit did not reflect in my checking account. I immediately contacted Chase Bank and they were not able to find any record of my deposit! They did their own internal investigation which uncovered nothing. I filed a police report with the local police department in Texas ( XXXX County Sheriff ). The police investigation came to an impasse when they subpoenaed the surveillance video from Chase Bank and Chase Bank said they did not have any video to produce. Now, the investigation is going to be closed because they could not get the video or any other evidence from Chase. I am so frustrated because my cash deposit was lost and there is no record of it. This has been so hard on me and my family. Any help with this would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-01-04
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This is regarding a CitiBank. In XX/XX/XXXX I signed up for a promotional XXXX of XXXX XXXX on new purchases and received confirmation that the XXXX was XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I made several purchases. On XX/XX/XXXX I made a payment through the CitiBank website but unfortunately selected an old and closed bank account. The payment obviously did not clear. I instead made a payment on XX/XX/XXXX out of my current bank account, which cleared well before the XX/XX/XXXX due date. 

Since XXXX, CitiBank has been charging an APR of XXXX XXXX on the amount that did not clear on XX/XX/XXXX ( {$3100.00} ), which I only noticed this month. I communicate with CitiBank twice ( XXXX chat conversation included, also did a phone call today ) and the staff were unable to tell me why this was the case other than to say it occurred. I confirmed with them that the XXXX XXXX APR promotion is still in place and was not voided by the return payment. I reviewed the terms of my special promotion ( included ) which does not include a provision for this. I requested that they send me the terms by which this occurred and they tell me that there is no such document.

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 2019-07-26
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-12
Company: Turner Acceptance Corp.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I filed a lawsuit with XXXX XXXX and turner acceptance negligence XX/XX/XXXX I paid the note and bought the account current turner acceptance explain they had there own insurance on my XXXX XXXX  XXXX that was vandeled attached is contaminated fuel in a bowl according to Illinois statue the fuel should be sealed and sent to the department of transportation for examination once Illinois statue was attached to lawsuit ( filed ) turner called and said they would 5ake no further action

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Several weeks ago I applied for a credit union checking/savings account which caused them to check my credit with Chxsystems. Chxsystems reported a problem with a XXXX XXXX  account which had returned a check for {$1400.00} because it was fraudulent. My account was declined. I called Chxsystems to report that I don't have an account with that bank and am unaware of this transaction. They investigated and subsequently reported they removed the incorrect information however it is still being reported. Subsequently I received a notice from XXXX XXXX  ( result of merger with XXXXXXXX XXXX in XXXX ) reporting this {$1400.00} transaction was " charged back '' + {$10.00} for handling and they included an image of the returned check with the return reason as altered/fictitious. The image is of what appears to be a check for {$1400.00} from the Treasury Department and it is noted to be an " Economic Impact Payment. '' I spoke with XXXX Bank who referred me to XXXX XXXX  who referred me to some entity called XXXX XXXX Bank. Today, I received a second notice from XXXX XXXX  for a charge back for {$4800.00} plus a {$10.00} handling fee for a check from XXXX XXXX XXXX. None of these banks would offer any assistance with how to close an account I never opened or how these fraudulent transactions can be removed 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 explanation
Consumer complaint received 2022-01-12
Company: EQUIFAX, 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: 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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks... 

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... 

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-10-20
Company: EQUIFAX, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a credit card with the same company as my boy friend at the same address. We recently closed all of his accounts with the bank and one is late a month which I was going to make up when I get paid Friday. It's not issue I just had a medical issue and we were unable to pay it last month. Now I go into my account, first the letter they sent in my online account stated information I requested. I never requested any information from them on XX/XX/XXXX which is when it was sent. 2ndly I never gave them permission to run my credit on this date so it probably affected my credit score. Secondly they state that they are decreasing my credit limit because my credit score has dropped. I find that false information as I looked at the one on XX/XX/XXXX where I did request an increase and i have the document my score was XXXX, the one the ran without my permission on XX/XX/XXXX went up 12 points to XXXX. So false reasons given they're doing retaliatory action on my account because my boy friend canceled all of his cards and one is past due. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Global Portfolio Recovery, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have sent over five letters to this company portfolio recovery. I clearly want them to validate the debt. A request for a signed proof of contract to substantiate their claim. Provide me with a certified copy of an original signed contract, naming their company as a person entitled to enforce a commercial claim against me. Also a clause that the original creditor can assign this debt to anyone. Also proof of sale between the creditor and the debt collection company. Also a complete payment history including signed copies of canceled checks. Certification can be done through the presence of a notary public, who swears the copy made is in fact a copy of the original paper contract in question. The Fair Credit Act states the debt has to be 100 percent verifiable. If they fail to meet this minimum threshold requested above they should take the derogatory information off my credit report. The claim I owe XXXX XXXX {$440.00} I deny the debt and assert my rights under the fair credit act.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-22
Company: CITIBANK, N.A.
State: NV
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:
You guys are trying to deny my claim and block my account, I went to the bank as you guys have told me to, to close down my account and open up a new one, as of today ( XX/XX/2021 ) the citi branch told me that they couldn't do anything until you guys leave a note for me them to allow them to close down the account, this is my account and my money!! i'm trying to be safe!! there must be a hacker out there who made a copy of my debit card and took out my money, you guys need to clean up this mess!!! now i wasted my time and gas money driving to the citi branch just to realized that i can't even close down my account!!! stop lying to me!!!

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 2023-04-12
Company: Experian Information Solutions Inc.
State: WI
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:
I sent the credit bureaus letters asking to verify the debt on my report. They have sent back letters stating that everything is verified correctly. My credit report is still showing inaccuracies. 

If you look at the current credit report for XXXX information is extremely inaccurate. 

I have also received letters saying that they need to verify my identification, but I sent all three bureaus a copy of my driver license and Social Security. 

Also those three letters were notarized just to confirm that it was me and the letters were real.

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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. 

PLEASE SEE ATTACHED LETTERS.

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