BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On the morning of XX/XX/2023, I learned that I was a victim of check fraud with my Chase checking account. Someone intercepted a check I had mailed to a XXXX XXXX  station in the amount of {$60.00}. The criminal scrubbed the check and changed the recipient 's name to XXXX XXXX and changed the payable amount from {$60.00} to {$1000.00}. A chase teller at a branch approved the check and gave the criminal {$1000.00} in cash from my account. I reported the fraud to Chase on XX/XX/XXXX. ( Today is XX/XX/XXXX. ) Chase has stated that because this is fraud, they will return the funds to my account AFTER they complete their investigation, which could take up to 30 days. It is obvious to anyone that " XXXX '' had fake ID and she does not have a Chase account. She and my {$1000.00} will never be found. The only thing left to investigate is the bank teller who wrongly approved the check. There is NO reason why restoring the funds to my account should be contingent upon the completion of Chase 's investigation into their teller. Multiple Chase employees have confirmed to me that this is clearly check fraud. I was victimized once by Chase when their teller gave " XXXX '' {$1000.00} from my account. I am being victimized a second time by being told by Chase that they need to complete their investigation before the funds can be returned to my account. I am a XXXX XXXX XXXX Social Security recipient and I have a ton of medical bills I need to pay. It is morally wrong and offensive that Chase has the unmitigated gall to take this indefensible, cravenly greedy position with a customer! There is no logical reason why Chase can not return my money to me immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent a dispute letter on XX/XX/21 asking Transunion and XXXX  to provide documents on how they verified *XXXX XXXX XXXX  XXXX XXXX and *USBK Court XXXX Michigan Docket . per the letter i received from United States XXXX Michigan Court they DO NOT provide any case information nor update information to any credit reporting agency. I ask transunion to provide documents on how they verified these items or delete from my report and they still haven't deleted these items from report nor provided 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 explanation
Consumer complaint received 2021-07-13
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX Ireviewed my credit report and I see that my name is misspelled XXXX XXXX XXXX is the correctspelling in my name ( XXXX XXXX is not my name, please delete ) I have to start areinvestigation on my file I see addresses and phone numbers that are not mine. I do notlive at the following addresses please delete : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX The following phone numbersare not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I do not know how this works, but I need itdone or somehow corrected. I had some issues with my income being affected by theCOVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I amrequesting some accommodations so I care to protect the integrity of my credit file.SYNCB/CARE CREDIT # XXXX account is reporting 30,60 DAYS LATEsinceXXXX,XXXX,XXXX,XXXX requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

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 2019-06-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX, XXXX I filed for a loan modification with XXXX XXXX, the manager of my mortgage at the time. XXXX is the holder of the mortgage. After I missed 3 payments in XXXX, XXXX and XXXX, my mortgage management was transferred to SPS ( Select Portfolio Servicing ). This effectively let XXXX off the hook for dealing with my loan modification request, for which all requested documents had been provided. SPS took over the management of the mortgage in XXXX, XXXX. They began a process of requesting documents over and over again, and I provided them. Due to the time involved, I reached a point in my finances when I was unable to pay my real estate taxes for XXXX. I have now provided the last of the requested documents, but am faced with a new problem. They paid my real estate taxes, and added the amount to my balance. Then they created an escrow account, with my new monthly payment amounting to {$8900.00}. My average monthly income is {$9000.00}. As you can see, the combined mortgage and real estate escrow payments would leave me without any income to pay any other bills, including food. Rather than assisting me, they have made my life more miserable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: U.S. BANCORP
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with US Bank at the beginning of XXXX under a promotion where I was to receive {$200.00} within 60 days of having a direct deposit to the account of over {$500.00}. My first direct deposit from work of over {$1200.00} posted to my account on XXXX XXXX. According to the terms of the promotion, I expected to receive my {$200.00} bonus before XXXX XXXX. I never received the bonus. I sent an email to customer service asking when I would receive the bonus, received an automated response indicating someone would get back to me, and nobody did. I called US Bank on XXXX XXXX to inquire about the bonus and the customer service agent indicated that after researching the terms, he believed I met the terms and that I should have received the bonus and submitted a request for it to be looked into. He said I would either receive the bonus on XXXX XXXX or somebody would call me on the XXXX to discuss the issue. The money never showed up and nobody ever contacted me. I obviously find this treatment to be very frustrating and unprofessional.

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 2023-06-10
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Compliance XXXX XXXX XXXX XXXX, SC XXXX RE : Requesting a Method of Validation Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

Collection Agency : XXXX XXXX XXXX ( XXXX ) Account Number ( XXXX ) : A : ) XXXX B : ) XXXX I am certain that the item I disputed is incorrect and should be removed, so l am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute.

I am very interested to learn how your investigators arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

Please provide the following : 1. Validation of the debt -- that is, the actual accounting.

2. Verification of a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), in a letter by " certified mail ' so that there is an independent " witness to it having been delivered. '' I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter.

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 


Very Respectfully, 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 2017-12-18
Company: Helvey & Associates, Inc., Warsaw, IN Branch
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:
I received a copy of my credit report. I disputed the account listed as Helvey and Associates for a zero balance. I have never had any dealings with this company. I sent a letter to the credit reporting agencies to verify accuracy and to send me any documentation. I received letters back from both XXXX and XXXX saying they verified the account but i have not received any information providing supporting documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: OH
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:
XXXX : continues to show XXXX accounts as " POTENTIALLY NEGATIVE '' when they are reflected as closed and/or paid in full! There is also an extra social security number that shows up on this report. I have never had more than one! 

EQUIFAX : incorrect address and incorrect inquiries, I have called and some of these business say they have no record of me applying to them. ( XXXXXXXX XXXX XXXXXXXX ) keeps showing up as an inquiry on credit report and XXXX XXXX continues to show up as an automobile credit account which I have never had with XXXX XXXXXXXX. Now there is are Miscellaneous Credit Reporting Agencies showing up in the inquiry portion of this report like XXXX, XXXX ... NEVER HEARD OF THEM! Also an Equifax Mortgage Service never hear of them either. 

XXXX : I have had to file many disputes with the credit agencies down through the years for listing alias names ( XXXX XXXX ), addresses to places where I have never lived ( XXXX XXXX and XXXX and a XXXX  ). 

I'm afraid that the credit report of someone else has been mixed up with mine and I am just now seeing it for what it is. I have contacted many of these creditors ( XXXX XXXX XXXXXXXX & XXXX ) they have nothing in their records for me... ..Things like this go against the FAIR CREDIT REPORTING ACT and is illegal. Please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent letters out with two different credit agencies. XXXX Experian XXXX. How ever its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S.C. 1681 Procedure in case of disputed accuracy If the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency is disputed by consumers and the consumer notifies the agency directly or indirectly through reseller. Of such disputes the agency shall free of charge conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of disputed information or delete the item from the file in accordance with paragraph before the end of the 30 day period beginning on the date which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-01-01
Company: Experian Information Solutions Inc.
State: FL
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:
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, 15 U.S.C 168 ; c ( a ) ( 5 ) Section States no consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 SECTION 602 A. States I have a right to privacy. ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 15 U.S. CODE Subchapter III CREDIT REPORTING AGENCIES ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ) A ) Reporting information with actual knowledge of errors, A CONSUMER to any consumer Reporting Agency if the PERSON knows or has REASONABLE CAUSE TO BELEIVE 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 2021-07-13
Company: JPMORGAN CHASE & CO.
State: IL
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:
Chase Bank drafted my checking account on incorrect date which was set by XXXX app. It was set to draft on Wednesday XX/XX/2021 because that is my pay day ( weekly direct deposit from employer ) but it drafted on Tuesday XX/XX/2021 putting my account into negative {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a unverified account from CBE. I had previously disputed this account. I have never done business with CBE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CBE Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records a signed contract, proof of claim, any documentation for my legal protections and rights to know if in fact this claim can be enforced upon my person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
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:
XXXX XXXX ( XXXX ) is an online service that provides free credit reports, tax preparation services, and offers for credit cards and mortgage financing. Among their partners are the credit bureaus XXXX and Experian. 

My credit reports are frozen at XXXX and Experian, as well as at XXXX. Yet XXXX XXXX has sent me messages about my credit card payments and usage, mortgage balance, and other information that should be soundly locked inside the credit bureaus. 

XXXX XXXX is not authorized by me to access my credit information. XXXX and Experian are not authorized by me to share my credit information. So either XXXX XXXX is obtaining the information illegally or XXXX and Experian are violating the credit freeze and my privacy by providing my credit activity to XXXX XXXX. 

If this is being done to me, it is almost certainly being done to others, exposing my data to a third party and, potentially, to bad actors who might hack into their servers. This is a violation of consumer protections, undermines the purpose of credit freezes, and deserves immediate attention.

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 2021-07-13
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I has been tried my patience to solve the issue which is the Santander bank used my {$370.00} installment monthly payment only applied for the interest for the past 4 months, non of it went to pay for the principle. I went to the bank and spoke to Rep. a few times, and also made phone calls including today, but the issue has not been handled at all. 

According to the monthly statement, about XXXX of the {$370.00} supposed to pay for the principle, but the bank used the whole {$370.00} only for the interest!!!!!!!!!!!!

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 2021-07-13
Company: Experian Information Solutions Inc.
State: OR
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:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2021-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
IVE CONTACTED CAPITAL ONE BANK INXX/XX/XXXX AND SEVERAL TIMES AFTER ABOUT A FRAUD APPLICATION THAT WAS PROCESSED BACK IN XX/XX/XXXXTHEY VE TOLD ME THAT THE APPLICATION WAS CLOSED AND THE INQUIRY WAS PROCESSED FOR REMOVAL FROM XXXX  AND XXXX  WITHIN 90 DAYS APON CHECKING ITS STILL SHOWING ON BOTH CREDIT REPORTS EVEN AFTER SENDING ME DOCUMENTATION THAT IT WAS FRAUD. THIS IS AFFECTING MY CREDIT AND CAPITAL ONE ISN'T DOING ANYTHING TO REMOVE IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20
Company: Nationwide Recovery Systems, Ltd
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested that this account be investigated so that I can understand where this alleged debt comes from. This creditor sent medical information that I do not recall and did not authorize them to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX ( XXXX ) is an online service that provides free credit reports, tax preparation services, and offers for credit cards and mortgage financing. Among their partners are the credit bureaus TransUnion and XXXX. My credit reports are frozen at TransUnion and XXXX, as well as at XXXX. Yet XXXX XXXX has sent me messages about my credit card payments and usage, mortgage balance, and other information that should be soundly locked inside the credit bureaus.

XXXX XXXX is not authorized by me to access my credit information. TransUnion and XXXX are not authorized by me to share my credit information. So either XXXX XXXX is obtaining the information illegally or TransUnion and XXXX are violating the credit freeze and my privacy by providing my credit activity to XXXX XXXX.

If this is being done to me, it is almost certainly being done to others, exposing my data to a third party and, potentially, to bad actors who might hack into their servers. This is a violation of consumer protections, undermines the purpose of credit freezes, and deserves immediate attention.

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