BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
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: Transaction was not authorized

Complaint:
My injury began in 2018  when I asked the bank for an audit of my account transactions. I was told by my regional bank manager that my request for an audit was not approved. I was also informed by the customer service person that Chase bank did not audit personal checking accounts.

Shortly thereafter, I sent over one hundred documents ( copy of my checking account ) to Chase corporate headquarters explaining the dilemma relative to checks being returned 10 days after posting, and the funds associated with those returns were not put back into my account. To make a long story short... money is withdrawn through automated debit to pay my bills, debits are reversed after 10 days but funds are not put back into my checking account.

I sent my husband {$400.00} using chase XXXX I cancelled that transfer within the hour, but my funds did not return to my account. I filed a complaint with the bank, but I have been waiting 2 years. 

Furthermore, the access to identify returned checks is missing. from my online access file. 

More importantly I deposited {$30000.00}. in the bank a few months ago the bank held it for 10 days. Okay... when it was released I had about {$12000.00}, after bills but that disappeared from my account. I filed a complaint about the XXXX {$5000.00}. payments made to a law firm which was never deposited back into my account. 

I am XXXX XXXX XXXX and do not have the funds to hire a lawyer. I am so depressed about the funds that chase owes me that I can't function.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Problem with chase bank since last year of 2020 of early XXXX for them to relinquish the funds that unemployment had deposited into my account I filed several claims and called repeatedly. I had a case agent named XXXX who was handling it, but had to close it due to unemployment needing to submit a letter that they wrong me on my account for the amount I was to be paid.Been over 1 year and problem still havent been solved Ive XXXX XXXX XXXX  multiple times and informed them of what unemployment told me once a wire transfer is in my account its out of their hands and that its either send funds back to unemployment or release them to me and both sides isnt helping at all, only had new account for 3-5 months, and I faxed copies of previous deposits and dates from unemployment who provided me those funds in beginning of pandemic of Covid19.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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:
In accordance with the Fair credit Reporting Act the list of accounts below has been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX account # XXXX Has violated my rights 15 USC 1681section 602 A,. States I have the right to privacy 15 USC 1681section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( a ) ( I ) 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 2021-07-08
Company: Bread Financial Holdings, Inc.
State: CA
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: Billing dispute for services

Complaint:
Comenity Capital Bank is trying to ruin my life by tanking my credit score. My daughter needed XXXX  to fix her XXXX  so I apply for credit. The payments where {$140.00} a month. I am retired on a fix budget Covid reduce my chances of making extra money. I applied for a program that would reduce my payment to {$63.00} dollars. I am current with this plan and have paid all back money owed. My credit score was XXXX now it's XXXX. Nobody will lend me the money for a new home. I am stuck in the desert with temps over 110 %. The way Comenity Capital Bank manipulated my credit usage and late payments has destroyed my chances of a decent life. I feel they unfairly charged me more than necessary based on my ability to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
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 would like to have a bankruptcy remove off my credit. I have contact the federal courts about the bankruptcy which they sent me a letter stating that they do not provide information with reporting agency and the reporting agency has went through a third party XXXX XXXX to obtain information which is incorrect.

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 2021-10-06
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE LATE ACCOUNT IS STILL FOUND AND NEEDS TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: Sortis Financial, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
InXX/XX/XXXXXXXX 2017, I entered a written dispute with CLEAR SPRING LOAN SERVICING reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, CLEAR SPRING LOAN SERVICING was attempting to collect a debt for which antiquated my credit profile by more than XXXX years. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 

CLEAR SPRING LOAN SERVICING failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with CLEAR SPRING LOAN SERVICING an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. CLEAR SPRING LOAN SERVICING failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state Division of Financial Services in Florida indicates that CLEAR SPRING LOAN SERVICING is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to CLEAR SPRING LOAN SERVICING have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of antiquated reporting. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of antiquated reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One, Amt {$10.00}, Due XX/XX/2021 My amount was {$10.00} due on XX/XX/2021. I called Capital One twice with long hold wait time, no one picked up the phone. My purpose of called was to dispute this amount because I was unable to recognize the charge. Since no one answered the calls, I decided to pay the amount on capitalone.com, then dispute the amount {$10.00}. My payment was submitted a few minutes after XXXX XXXX. Since XXXX XXXX  was their cutoff time, its website took my payment on XXXX instead of XXXX. I have called Capital One a few times just to advise them my payment and dispute situation. Unfortunately, it's a long hold wait time or no one answered the phone. Today the XX/XX/2021 at XXXX XXXX  I finally spoke with a Capital One supervisor named Ms. XXXX, ID : XXXX. I explained to her the situation about why payment was submitted passed XXXX XXXX. She put me on hold 70 minutes for another manager, then she told me that she can not adjust {$28.00}. She refused to provide another manager name. She was very rude and hung-up the phone. I strongly believe that during this Covid crisis Capital One should be more understanding this economic difficult time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: MO
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: Problem with personal statement of dispute

Complaint:
I wrote a letter to Experian credit bureau regarding a bankruptcy showing on my credit report. They stated that the bankruptcy court reported this to them and I also submitted a second letter with the letter from the bankruptcy court and Pacer and both letters stated that they do not report to credit bureaus nor do they report to determine credit worthiness. The letter from both stated that I should contact the CFPB. 
Experian sent me a letter and stated that a consumer reporting agency verified the bankruptcy. They would not give me the name of the consumer reporting agency or the person/company that the consumer reporting agency received their information. 
I have tried to dispute this with Experian via telephone and in writing and they keep giving me the same answers. 
I am asking you to intervene so that this can be removed from my credit report. It is hurting my credit. 
Thank you so much for your help in this matter ... it is really appreciated!

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 2021-03-26
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Their job is to investigate the truth not challenge the citizen!!!!! Also they have the last 4 of my unique Social Security number, the name on the report and birth date DUH- are we that stupid? By opinion this delay and hoax must stop! Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we were unable to honor your request or a portion of it based on the limited amount of information regarding your dispute. If you believe that an item on your personal credit report is inaccurate or incomplete, please provide specific information. Be sure to indicate the specific item you are disputing and explain why you believe the information is inaccurate, for example : " not mine, '' " paid in full, '' " never late, '' " included in bankruptcy, '' incorrect name, etc.

If the status, a date, an amount, a balance, personal information such as name or address, or any other specific information is inaccurate you should also indicate what the correct information should be. Once we receive this information, we will process your dispute.

You may also log on to XXXX, or call us at XXXX XXXX XXXX XXXX for faster service. 

The dispute process may take up to 30 days ( or up to 45 days for a dispute of information in an annual free credit report ). We will send you the results once completed. If you write to us, please provide the following : One copy of a government issued identification card, such as a drivers license, state ID card, etc.

One copy of a utility bill, bank or insurance statement, etc.

Please also include the following identification information : Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/uploa

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 2023-02-12
Company: Franklin Collection Service, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX I received an email on my XXXX  account about a decrease in my credit score of XXXX. 

Upon checking my profile I discovered a total of {$290.00} was sent to a collections company called Franklin Collection SV. ( XX/XX/XXXX ) XX/XX/XXXX I contacted the collection agency who advised me an individual opened an account with XXXX XXXX XXXX two years ago in my name and/or social security number. During the past two years the thief paid on time and upon the completion of their term, returned all borrowed hardware. The remaining {$290.00} was an end of contract fee. This account was opened in XXXX Illinois. A location of which I have never lived in nor visited. I have lived in North Carolina for the past 8 years. Once I was aware of the case information I requested the collection case be labeled with a dispute. 

I notified XXXX  and notified them of the case being labeled with the collections agency as disputed. 

XX/XX/XXXX - competed this report for investigation. 

*Note - I was a victim of identity theft prior to this incident. Around XXXX of XXXX in the same location of XXXX Illinois as a result of an account being opened with XXXX XXXX XXXX XXXX XXXX The result of that investigation found me to be in-fact a victim of identity theft and not responsible for the collection case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: EQUIFAX, INC.
State: IL
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:
This complaint is being written due to an inaccurate account that was placed on my credit file by XXXX XXXX XXXX  account number XXXX in the amount of {$290.00}. I have disputed this erroneous account on several occasions without due process or relief. I have asked for verification and validation in reference to this account. XXXX XXXX XXXX has NOT provided me with proper documentation substantiating that I have any financial responsibility for this debt. The Fair Credit Reporting Act states that as the consumer I have the right to request VERIFICATION and or VALIDATION of debt in question. Previously XXXX XXXX XXXX, XXXX, Equifax, and XXXX   have verified this debt as my debt.

I have asked multiple times for verification and validation. How have all bureaus and XXXX XXXX   verified this debt? Neither entity has provided validation or verification.

On XX/XX/2018, XXXX XXXX XXXX documented that they DO NOT have any documentation proving the above debt is legally mine.

I am attaching XXXX XXXX XXXX letter stating that they are unable to provide a signed contract binding me to any debt with their company. I am requesting that this fraudulent account is removed immediately from the credit bureaus IMMEDIATELY.

The Fair Credit Reporting Act requires that this debt is VERIFIED or VALIDATED upon my request within thirty days. XXXX XXXX has confirmed that they have NO means of verifying or validating the accuracy of this bogus account. If the account can not be veried, your company must delete the account from my credit report IMMEDIATELY. If you can not show proof that you have veried this debt and you continue to list this item on my credit report, I am prepared to sue your company under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX/XXXX 's credit collection agency and i came into a payment agreement where i would pay XXXX down and XXXX a month thereafter on a debt totaling XXXX. Also with payment arrangement XXXX/XXXX 's debt collection agency would then remove this debt collection off of all three credit reports. i have not received the contract, i mailed them XXXX, the negative item is still on my credit reports

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 2023-09-10
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute request to the credit reporting agencies, I asked for an investigation into an account that is reporting an inaccuracy on my consumer report. The XXXX XXXXXXXX account is being reported as a charge off, according to IRS Publication 4681 Canceled Debts, Foreclosures, Repossessions, and Abandonments : the lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. Once again according to the IRS publication 4681, even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate! I also asked for the following information : 1. A detailed description of the method or process used to verify the accuracy of the disputed charged-off amount on my credit report.

2. The specific documents or evidence obtained and reviewed during the verification process, including any correspondence or communication with the creditor involved.

3. The date on which the verification process was conducted and completed.

4. The name and contact information of the individual or entity responsible for conducting the verification process.

5. Any other relevant information that sheds light on how the accuracy of the disputed charged-off amount was established.

To this day I still have not received the information requested. The balance that was being reported as written off is not the same amount that is on the 1099C form, which is also another inaccuracy. Overall, this company has violated many FCRA laws including : *15 U.S. Code 1681e ( b ) Accuracy of report *15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies and ( B ) Reporting information after notice and confirmation of errors

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX/XXXX 's credit collection agency and i came into a payment agreement where i would pay XXXX down and XXXX a month thereafter on a debt totaling XXXX. Also with payment arrangement XXXX/XXXX  's debt collection agency would then remove this debt collection off of all three credit reports. i have not received the contract, i mailed them XXXX, the negative item is still on my credit reports

Company response to consumer: Closed with explanation