BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
Company: JPMORGAN CHASE & CO.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2022, I sent an international wire to a XXXX Real Estate agency ( XXXX XXXX XXXX ) for a rental in XXXX. I had seen the place, met the parties, received the wire instructions over encrypted email, confirmed the wire instructions over the phone and sent two initial wires ( XXXX XXXX and XXXX XXXX ) through Chase.com. Both of these wires were rejected, but I called their service desks after both times, they said they took notes ( notes on the information above ) and that I should resubmit and it should go through. 

Since online did not work, I went to a physical Chase branch on XX/XX/XXXX and submitted the wire through one of their bankers. They entered the wire information, I confirmed and at XXXX XXXX the wire was accepted ( acceptance was confirmed via email ). The timeline given for the international wire was 3 to 5 business days. 

On XX/XX/XXXX, when I am ready to pick up keys for the place the Real Estate agency informed me that the wire still had not came through. I called Chase, and they did say because Monday was a holiday ( in both XXXX and XXXX ) that the XXXX was the 5th business day and wait until tomorrow. 

Nothing came through the XXXX. Since then I have called ( or secured message them ) every business day XXXX, XXXX, XXXX, and today. The XXXX and XXXX they said it was sent ( but the receiving bank never received it ). The XXXX they mentioned it was rejected ( however, the funds have never bounced bank ), but then I was elevated to the wire department and they said it was accepted. They then forwarded me on to the wire research team and said they would get back to me within the day ( the XXXX ), but at the end of the day today ( and after following up with them ) they still have not responded. 

The receiving Real Estate agency has been in contact with me every day checking and nothing has came through. I have confirmed all of the information multiple times ( from what is showing up in my online statements, and the paperwork given to me at the bank when the wire was placed ) and all the numbers and names are good. I have sent the Real Estate agency pictures of these documents and they have confirmed everything looks good.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have had a membership with Experian. Specifically an Experian Credit Tracker account. I have attempted to call several several times to cancel my subscription/membership. When I finally give the automated system all of the required information and follow the several prompts. The system informs me that I do not have an account and disconnects. There is no option to speak with a representative or enter my account number. 

I have also attempted to email the company and have had no response.

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 2023-10-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citizens Access froze my account and placed it under review. I attempted to inquire about the expected timeframe for this review, but neither the customer representative nor the supervisor could provide me with any information. 

Date : XXXX XX/XX/XXXX  Action : Tried to transfer out {$25000.00}. 
Received a text message " The transfer has not been processed. Please call us at XXXX '' Called to ask for information, but the customer representative " can not provide me any information ''. I was told the account was under review. 

Date : XXXX XX/XX/XXXX  Tried to transfer out {$8000.00} and was declined by the bank. 

Date : XXXX XX/XX/XXXX  Tried to transfer out {$3000.00} and was declined by the bank. 

Date : XXXX XX/XX/XXXX  Tried to transfer out {$5000.00} and was declined by the bank. Called again to get the timeframe on the review. The supervisor can not provide me any information regarding the amount of time or the reason why this account was under review. 

My primary concerns are as follows : Lack of Transparency : I have not received any communication regarding the specific issue or violation that led to the review of my account. It is crucial for me to understand the exact reason for this review to rectify any potential issues promptly. 

Delay in Account Access : The ongoing review has resulted in restricted access to my account, which has disrupted my ability to transfer fund out. I am experiencing significant inconvenience and financial impact as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/ I got notified via email and XXXX XXXX that I just got approved for a credit card with Capital One for a limit of {$1000.00}. I dont have a credit card nor did I apply for one. A representative confirmed that my social, name, phone number and address matched what they had via the application however, the email did not match. I told them that it was not me and they said they had to investigate the situation. I also informed XXXX XXXX of the issue and filed a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, 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:
Under the 15 USC 1681 ( a ) ( 4 ) Congress makes it clear that a consumer has a right to his/her own privacy. 

Equifax is guilty of the infringement upon my Consumer Right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ).

Under the 15 USC 1681b ( a ) ( 2 ) Equifax did not have a permissible purpose, nor did they have my written instruction or permission to publish this particular item on my consumer report. 

Therefore, I will be including XXXX and Equfiax during litigation for wrongful collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: EQUIFAX, INC.
State: LA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 explanation
Consumer complaint received 2023-08-08
Company: JPMORGAN CHASE & CO.
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 Credt Reporting Act Account Name : XXXX XXXX Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights. 

Account Name : XXXX XXXX Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights Account Name : JPMCB CARD Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights Account Name : XXXX XXXX  Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights Account Name : XXXX Date Openned : XX/XX/XXXX Account XXXX : XXXX has violated my rights Account Name : XXXX XXXX  Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights. 

Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX 15 USC 1681 Section 602 States I have a 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. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Over the past several months I have been trying to correct errors on my credit report with TransUnion, XXXX XXXX XXXX but I have not been able to get any assistance. I have been requesting investigation after investigation but nothing has been done to resolve the problem. 

According to the FCRA, the term investigative consumer report means, a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information SHALL NOT include specific factual information on a consumers credit record obtained directly from a creditor of the consumer. 

I do not make the law, its written in the FCRA. TransUnion, XXXX, and XXXX have failed to do a proper investigation. Not only did they fail to do a proper investigation, they are continuing to illegally report on my credit reports..which is a direct violation of 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 non-monetary relief
Consumer complaint received 2023-10-02
Company: Freedom Mortgage Company
State: CA
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:
Hard Inquiries on my report Dated : On XX/XX/XXXX XXXX Freedom Mortgage XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Freedom Mortgage Corp I did not Allow or Acknowledge these Hard Inquiries on 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 2019-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THOSE ACCOUNTS HAVE BEEN CAUSING DAMAGE TO MY CREDIT AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE RMEOVE AND BLOCKED OFF MY CREDIT FILE. THOSE ACCOUNTS DOES NOT BELONG TO ME AND THEY ARE REPORTING INACCURATELY ON MY REPORT. PLEASE HAVE THOSE DEROGATORY ACCOUNTS OFF MY CREDIT REPORT. KEEP IN MIND THOSE ACCOUNTS DOES NOT BELONG 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 2020-04-24
Company: Conduent Incorporated
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My husband and I have filed our Oklahoma State Tax Return for year 2019. A Refund issued on XX/XX/2019 via prepaid debit card by a program called " Way2go ''. The bank issuing this card is XXXX Bank.This Way2 go program is used by several government agencies to disburse money to people. The card was mailed to an old mailing address, not the address that was on the 2019 tax return. 
The card is now lost. We have contacted the Oklahoma State Tax Commission three times. Each time we are told to contact the Way2go company customer service line at XXXX. This number puts us on hold for 1 hour and 20 minutes at that time, the calls automatically disconnect. We have tried to contact XXXX Bank. They also have no person available to contact. I have used their computer automated system to request a return call. Have not received one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
i UPDATED MY EMAIL ADDRESS ON XX/XX/2023 AND ALSDO DELETED THE OLD NUMBER THAT I NO LONGER OWN. 

SINCE PERFORMING THE UPDATE, I HAVE BEEN UNABLE TO ACCESS MY ACCOUNT, CHECK BALANCE, OR EVEN ACCESS MY FUNDS. 

I AM REQUESTING THAT CAPITAL ONE RESOLVE THIS IMMEDIATELY TO AVOID HAVING TO FILE LEGAC ACTION RELATED TO THIS CASE. 

I CALLED CAPITAL ON AT XXXX ON XX/XX/2023 AND THEY STATED THAT THEY DID NOT KNOW WHY I WAS UNABLE TO ACCESS MY ACCOUNT. 

THE ACCESS ISSUES ARE STARTING TO AFFECT MY LIFE AT THIS POINT. I AM EVEN UNABLE TO PURCHASE GAS TO GET HOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: JPMORGAN CHASE & CO.
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
This situation involves a XXXX painting company what I hired last XXXX ( XXXX ) to do some interior painting in my home, and a disputed amount of {$1600.00} that they charged on my credit card without my permission, and without finishing the job. I am in a dispute with Chase, who has messaged me that they are ruling in favor of the painting company ... who in my opinion very clearly committed fraud. I agreed to have the company take a 1/3 payment for the job through my credit card. After the company worked in my home for 1-1/2 days, I let them go ( it was Chase 's suggestion that I do this, as I had a conversation with one of their representatives over the phone ) ... due to issues that were unresolved with regard to quality of work and professional behavior of painters. Unfortunately I forgot to call my credit card company to protect me, and the very next day after I let them go via email, the painting company ( XXXX XXXX XXXX ) charged my card for the full remaining 2/3 of the original job ( on XX/XX/XXXX I was charged {$1600.00} ) ... even though a large portion of the job was not complete, and I never signed off and gave them permission to charge anything. The company made NO attempt to settle this situation, and I took their action of charging my account without my permission as a clear message that they were not willing to satisfy me in any way. 

After providing Chase with multiple photos, a receipt from another independent painter that I hired to fix the poor work, and complete the work that was never done, as well as a letter from the same painter stating his view of the situation ( which Chase requested of me ), I received a letter from Chase that they were still not changing their decision to rule in favor of the painting company. 

I have no reason to lie about any of this, and I have excellent credit and no history of any other disputes ( other than a vacation package scam ). I have no criminal record, and have never been in trouble with the law. I am only guilty of being very upset over the phone when the Chase has been difficult to deal with. But being upset over the phone in no way makes me a liar, or someone who is trying to get out of paying their bills. In this case, the painting company clearly committed fraud, and Chase does not seem to care. It appears that the painting company has dealt with complaints before, and maybe has a lawyer who is threatening them. I do not know what else to assume in this situation, but I do know, and would swear in a court of law, that I am not in the wrong in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Debit card with Citibank has been blocked for a month. I can not access my money for a money and falling back on payments and living expenses. The bank can not verify me any other way that a letter which i havr not received for more than a month. The agenta disconnect the call every time i ask for an escalation or another method to help 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 2023-02-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT 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 explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: NC
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 explanation
Consumer complaint received 2018-05-25
Company: Westlake Services, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2018 I sent a certified letter to the Company and have not received a response or explaination of why there is an unauthorized credit inquiry on my report. I explained and that I have no knowledge or would like them to send verifiable proof that indeed this was a made by me. I HAVE NOT RECEIVED A RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have been trying to get ahold of Capital One for now 3 months regarding my cards. I'm locked out of my online account bc I changed my phone number. When I call I get bounced between MULTIPLE representatives and placed on hold where they can't seem to find my info. Today I finally had enough when I was sent to a company who I've already paid bc they didn't have the right info even after providing them with all of my personal information

Company response to consumer: Closed with explanation