BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-30
Company: Law Offices of Robert A. Schuerger Co., LPA
State: AL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX at schuerger Law is completely unprofessional. He has harassed me via email and telephone calls for weeks. The calls have gotten so extreme that Ive received 10 in one day. I sent a cease and desist letter as a result. The debt he is referring to was signed in 2008. He says that I owe {$860.00} and that it must be paid immediately. He also claims that he is collecting the debt on behalf of XXXX University and not as a debt collector. The age of this debt is beyond the statue of limitations in Alabama which if he did his research he would know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The bureaus are reporting false inquiries made by people who were trying to steal my identity. There are hard inquiries on my record that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: JTM Capital Management, LLC
State: TN
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:
I am unaware of any dealings with the original creditor of XXXX XXXX XXXX and XXXX or the current creditor of JTM Capital Management ; nor do either of these creditors appear on my credit reports. 

It is my belief that this alleged debt is either well outside the collections statute of limitations and attempted to be collection outside of FDCPA laws or is fraudulent. I require that JTM Capital Management provide documentation which includes my signature that shows I in fact authorized this alleged debt. That said please consider this my formal notice that I dispute the validity of this alleged debt and any additional collection attempts during the debt validation period of 30 days will be reported as a violation of the FDCPA and I will leverage all available legal remedies.

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 2019-10-30
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:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in S

ection 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

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 2021-10-05
Company: MECHANICS BANK
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been in communication with XXXX since XXXX of this year to not only pay the balance listed on my and my husband 's credit report but to ask them to remove the now paid account entirely. Through much trial and tribulation, I have been met with vague answers and inconsistencies. We paid the balance legally reported but since we did not pay what they claimed we owed, they REFUSE to remove the account from all 3 credit bureaus. Now the one person who is apparently the ultimate decision-maker has replied to my request with facetious comments. We did our part by paying, I simply just want the account removed as per the California Statute of Limitations allows!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions 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:
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. 

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 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 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 2023-02-15
Company: Experian Information Solutions Inc.
State: PA
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:
Accordance to the fair credit reporting act. XXXX XXXX XXXX # XXXX Has violated my rights. 15 USC 1681 Section602a I have the right to privacy.15 USC 1681 Section604a Section2 a consumer reporting agency can not an account furnish without written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I deposited a check given to me because I won a judgement from XXXX XXXX, the check writer. I physically entered the branch, it is also the bank I bank in. I endorsed check 2, XXXX and asked it be cashed. The teller went into check writers account and okayed the check for the amount of XXXX. I then had the teller deposit XXXX and give me XXXX in cash. The bank, CHASE BANK, then kept the check for a week and after a week they sent it back for insufficient funds. Charged me XXXX and a XXXX per check that bounced, which they were two because they sent it back. I called the bank spoke to everybody up the ladder till I reached a manager, who informed me that they can do anything they want with my account for 6 months after check was cashed and the remaining cash then deposited. I went into the physical structure and they refunded my charges of XXXX. I went into the bank cashed the check, the funds were in there when I entered the branch, because she cashed it after checking his account, means that the funds were in there. They can't deny that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-09
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This complaint is in regards to Barclays Jet Blue credit card. I am trying my best to lower my credit card balances and payoff my credit cards which of course would help my credit score. I had a XXXX credit line with this Barclays card and I was paying on time each month a little over the minimum. I only had a little over {$300.00} a available on this card. I paid a big sum over {$1000.00} on this card in hopes to work towards my goal of improving my credit score. Today, XXXX XXXX, I found out that they cut my credit in half to {$1000.00}. I did reach out to the company and all they told me is the reason they lowered my credit was due to my credit score. I dont feel this is honest and it seems very predatory and a way to keep my credit score low in order to maintain my high interest rates. The only solution the relationship credit manager gave was to apply for an increase on my credit line which would require a hard inquiry, which would cause more negative results on my credit. I really feel this should be illegal for credit card companies to try and find ways to cripple your financial efforts in increasing your credit score. The only action I took so far was to fully pay off the balance because I know closing this card would also effect me negatively. Thats my complaint. Thank you for any help in this matter.

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 2022-08-10
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Ex wife opened up bank account fraudulently in my name as a means of retaliation for ending our relationship. She knows my social security number as well as all other information, her maiden name is XXXX XXXX. Her last known residence to me is XXXX XXXX XXXX, XXXX XXXX, NY, XXXX. I believe this person has stolen my information and used it to open accounts fraudulently because she has made threats to do so in the past. First a key bank account was opened to commit unemployment fraud then an XXXX  checking out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Every tine a deposit is made that the CHASE bank does not think is proper it closes my accounts. Bank in XX/XX/XXXX I had a small overdraft that I attempted to correct, less than {$10.00} most likely less then {$5.00} by joining my XXXX XXXX account. when XXXX XXXX tried to verify the Chase account thru two small deposits of less than {$1.00} the bank, Chase, refused the deposits. I attempted twice to full filly my obligations by using this means. After the bank refused the deposited it charged me up to {$500.00} in fees for their failure to accept the linkage. My account was then closed. Finally I had to settle with a nasty Chase collector, he was located in TX, in XX/XX/XXXX. just to end the argument and not submitting my lawyers " Indigence ''. For a XXXX dollar over draft I had to endure over active bankers trying to make money on their own failure to give proper service. 

Just Recently after having several deposits from individuals not be legitimate, the bank, Chase closed all my accounts for the second time. For up to ninety day I was told that the deposits were good and received, then with out notice I was being investigated and my accounts close. Nothing i had done personally or with any fore knowledge had case the problems. 

Chase will tell you that they do not discriminate, but this is a falsehood on their part. As they do discriminate. When they do not want to give good service, Chase will treat their customers without regard to good customer service, treating their clients as if they were thieves with out good cause. They treat small accounts differently from large accounts. Because they are willing to be more compromising to larger accounts than smaller accounts. 

No one is perfect and is above have a few problems during a relationship with a company that spans many years. How ever Chase does not make mistakes and if they do they throw them into the street so that they are hidden and do not affect it data reports. 
And the employees are safe from any negative exposure. Chase is a large organization that its employees hide their bias and bad service by aggressive handling of accounts. At Chase the employees want large account for their egos and the have little regard for the small accounts My opinion about chase and it treatment of me is that it believes it has a monopoly, Therefor CHASE needs to be broken down into smaller parts. CHASE need to come down from it ivory tower and learn about the real world and that XXXX happen to good people from time to time. XXXX also told XXXX they were were of the earth and so must endure the world as everyone else. Banking brought us in to the digital age and with it cam all of the problems of a new system and all of its faults. Throwing the baby out with the dirty water does not make sense. When it is ordinary to get dirty.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent {$310.00} to wrong person using Chase QuickPay service. Although name was correct but phone number was old for the recipient. 

I was under the impression that both phone number and name will be authenticated. 

Because when I make similar transaction at XXXX  XXXX XXXX, it checks for name as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Nelnet, Inc.
State: GA
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:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am a victim of identity theft please remove this fraud inquiry 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 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2016-08-22
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bbva placed a security hold on my account on XXXX. My employet has deposited my checks via direct deposit into this account. Ive been told i will not have access to my funds until they hear back from their upper management to figure out why my account is on hold. Ive tried faxing documents to verify my account and they wont even allow me to close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 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. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2023-02-25
Company: Atlanticus Services Corporation
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Fortiva sent me a credit card. XXXX days ago. The card has never been used and is inactive. A jealous employee who is jealous for no reason put a suspension on the card XXXX days ago for no reason. XXXX XXXX employees have been bullying my account there intentionally. There are no recent reports made on my behalf on my account. They did this without reason. First they blocked me from making payments. Then they blocked me from using the card after it arrived. I can not keep begging to use my card.The are not being reasonable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation