BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
We wired money ( {$14000.00} ) on XXXX XXXX XXXX  from our credit union to our Chase checking account and the credit union transposed the last two numbers of our account and the funds went into someone elses account. Chase refused to do anything about it, so the credit union recalled the wire and are now being told by Chase that the member who owns the account that received the wire must give permission for the wire to be reversed. Well this is not their money nor was their name on the wire. As of today XXXX XXXXXXXX XXXX we still do not have our many back in our credit union account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I electronically submitted an additional {$1000.00} escrow payment with my XX/XX/20 payment to my mortgage servicing company. The {$1000.00} was not applied to my escrow balance. Spoke to company. They found a record indicating I submitted the payment and said it would be applied it to my account in 24-48 hours.  However, they had no idea how this happened. Asked to speak with someone who could address this issue and was told there wasn't anyone to talk to about this. Since I don't have a choice as to which mortgage servicing company I work with, how I am supposed to trust them with my money?? The bigger concern is has this happened to others that aren't even aware??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: AL
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 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 2022-01-19
Company: EQUIFAX, INC.
State: AL
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 2023-12-11
Company: CITIBANK, N.A.
State: MD
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:
I've experienced unauthorized transactions from my XXXX Checking account related to Best Buy. XXXX transactions of {$50.00} each have been observed, totaling {$450.00} deducted without my authorization. These transactions were recorded on : XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check XXXX XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check # XXXX I realized that when I received a supposed unpaid bill from Best Buy.

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 2021-05-12
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
clients sent me money which they deposited in my cashapp account. Cashapp closed my account for some reason, and they won't let me access the account, or withdraw or return the funds to my clients. i've tried at least a dozen times to resolve this and keep getting a " we can't access your account for security reasons '' response at the end of the process ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Thank you for taking the time to read this letter. Im writing because I noticed that back in late XXXX and early XXXX I made late payments in one of my credit cards. After checking my recent credit report. 

I want you to know that I understand my financial obligations, and if it werent for, I being jobless and moving around from place to place, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have gained a stable job and a new home I have been making my credit card payments every month Since then. Ive had a spotless record of on-time payments. I tried paying off the late payments but the company would not work with me and raise the interest on my credit card payments which made it more difficult to pay. They offered little to no help which made me fall behind more. 

Im planning to apply for auto loan/etc, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments on my account. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
THIS CONTAINS TO MORE THEN ONE COMPLAINT, BALANCE ON THE LOAN. SHOULD THIS COMPANY PROVIDE A RETURN LETTER TO SUBMIT PAYMENTS, I DO NOT DO ONLINE BANKING, MY ELECTRIC AND GAS COMPANIES FORWARD A LRETURN LETTER TO REMIT PAYMENT WHY CA N'T NAVIENT. ALSO THE INTEREST STATEMENT FOR TAXES, SOMETIMES IS HESITANT. BASICALLY OVERALL I DO NOT KNOW HOW I GOT MIXED UP WITH THIS COMPANY IN THE FIRST PLACE. CRAZY THANK YOU XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: LA
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 you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days

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 2022-09-15
Company: M&T BANK CORPORATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/22, I initiated a bank to bank transfer of {$1000.00} from my checking account at People 's United Bank ( now M & T Bank ) to my savings account at CT XXXX XXXX XXXX XXXX ( " XXXX '' ). The transfer shows as having gone through on M & T 's side, but as of today 's date ( XX/XX/22 ), my money has still not arrived in my XXXX account. I called M & T on XX/XX/22 and was on hold for 3.5 hours before I finally got through to someone. The representative told me that transfers not going through is a " known issue. '' She suggested that I wait a couple of days to see if it ended up processing through on its own, or said I could go to a branch to cancel the transfer. I opted for the second option. On XX/XX/22, I went to a physical M & T branch to cancel the transfer, but was told that there was nothing that could be done because their system showed the transfer was completed. At that point, I opted to close my accounts with M & T Bank. I also filed a dispute with M & T regarding the transaction. This is completely unacceptable. {$1000.00} is not a small amount of money. There is no reason why somebody should have {$1000.00} of their money sitting in limbo for 2 weeks and counting. This has caused me a great deal of stress, not to mention at least 6 hours spent trying to get it resolved on the phone and in-person at the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The late payments reflected on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX are incorrect, not late on the month shown on the credit report, re investigate it and fix the accounts 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 2022-12-10
Company: EQUIFAX, INC.
State: NY
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:
my XXXX account it reporting incorrectly. 
my card balance should show as {$730.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
my XXXX account it reporting incorrectly. 
my card balance should show as {$730.00}

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 2020-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2022-01-19
Company: Kramer & Frank, P.C.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I froze my credit card in XXXX of XXXX after my office shut down and I was temporarily unemployed. Previous to this office closure, I had always paid on time and had not missed any payments. When I called to reinstate my account I was told that it was past due and I needed to set up a payment plan with a specific website with a specific PIN number which I obtained. I was then contacted by mail in XX/XX/XXXX by an office representing the credit card company which stated the same information with a different total then I had. I wrote them back by mail in XX/XX/XXXX as was stated in the letter and detailed the agreed upon repayment plan and to confirm the payment restart date of XX/XX/XXXX. I did not hear anything further from anyone else until I was served with a summons on Wednesday XX/XX/XXXX stating that I had a court date of XX/XX/XXXX regarding this very credit card. They set up a plan and then proceeded to ignore the entire plan without contacting me and letting me know that they were no longer adhering to the plan we had agreed upon.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I filed a complaint # XXXX in which I was complaining about inaccurate information being reported on my credit report. LVNV and XXXX XXXX is showing incorrect information on my file, and it is not being deleted. I have sent letters to verify information and they keep coming back as accurate, but the reports are not. Attached you will have the files showing where the information is not correct. The date of activity is not the same on all three reports. Two reports are showing open and one is showing closed. The dates opened are not the same on all three reports. Based on FCRA section 611 15 USC 1681, the accounts are not being reported accurately and must be deleted due to inaccuracy of credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: GA
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:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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 response to consumer: In progress
Consumer complaint received 2023-12-11
Company: LEXISNEXIS
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Requested investigation of public records on all XXXX credit reporting agencies, XXXX, XXXX, XXXX. 
Court clerk- Public record shows both bankruptcy were filed but never processed & cases dismissed. Unable to validate person making cases.

Public information listed on court records but no proof that it belongs to me. Talked to court clerk & stated information listed can be anyone with the same name or social security number. No information is verified as to the correct identity of the person.

LexisNexis get all their info listed in public records with no of identity validation. 
XXXX, XXXX XXXX XXXX all state they take the statement of LexisNexis as their proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2022-12-10
Company: EQUIFAX, INC.
State: VA
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:
The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 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 2022-12-10
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 LETTERS FOR REFERENCE

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 2020-01-03
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX and the purpose of this complaint is in regards to PNC Bank commercial mortgages. Under the promise of a better banking experience, I refinanced my commercial office condo loan with PNC in the fall of XX/XX/2018. I did so, because my first lender failed to provide sufficient online access to my mortgage information. I worked with a specific banker, XXXX XXXX, who promised me, that by moving the mortgage to PNC, that I would have online access to statements, along with complete mortgage transaction history. This was important to me, because, as I shared with her, my goal was to pay off this mortgage early. The experience with PNC has been the opposite of what was promised. Not only are there no online statements available, nor any online transaction history, PNC doesn't even mail a monthly statement on this mortgage. Due to the poor experience, I'm in the process of changing over to XXXX XXXX for all my business banking. And I wanted to refinance my mortgage with XXXX as well. That's when I ran into the worst of all the PNC surprises. Although I specifically addressed with XXXX XXXX, my desire to have no early pre-payment penalties, she managed to sneak that language into my mortgage contract. To me, resolution is simple : eliminate the immoral pre-payment penalty on the office condo mortgage and permit me to transfer out my office condo mortgage to XXXX, a bank which appears able to fulfill its promises more than PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX bill for XXXX I never had any XXXX product

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 2020-01-03
Company: Experian Information Solutions Inc.
State: NY
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 ACCOUNTS BEING DISPUTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS ARE REPORTING INACCURATELY AND I WOULD LIKE TO HAVE THEM REMOVED OFF MY CREDIT. I HAVE BEEN FIGHTING FOR THOSE INACCURATE AND DEROGATORY ACCOUNTS TO BE OFF MY CREDIT FILE. THEY HAVE CAUSED SERIOUS DAMAGE AND IT HAS NOW BEEN HARD TO ACQUIRE NEW CREDIT DUE TO THE DEROGATORY ACCOUNTS STILL REPORTING. PLEASE INVESTIGATE THOSE ACCOUNTS AND HAVE THEM OFF MY CREDIT FILE FOR I AM NOT LIABLE TO THEM.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: GA
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:
To : Trustee and CFO  of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - complaint is that there is a Breach of Trust and unauthorized use of the name XXXX XXXX XXXX, as you do not have legal nor lawful consent to use the NAME without having received signed Social Security Administration form SSA-89 which constitutes identity theft. You are also securitizing the note that was created by the NAME without FULL DISCLOSURE and sharing the goods generated by the use of the NAME. Do not make Merchandise of your Brethren : 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 

YOU HAVE STOLEN THE NAME AND USED IT IN A WAY THAT BENEFITS YOU and NOT THE BENEFICAIRY WE MAKE AN EQUITABLE CLAIM IN THE NAME AND ANY ASSETS ATTACHED TO THE NAME ADMINISTERED BY XXXX XXXX XXXX

Company response to consumer: Closed with explanation