BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for United Explorer credit card offered by Chase on XX/XX/2019. They disapproved my request by their letter referenced # XXXX dated XX/XX/2019 giving reason that too many credit cards opened in the last 2 years associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Experian Information Solutions 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:
I have submitted proof to all three credit bureaus that my identity was stolen and accounts where open while I was in prison and to date they have nor will they remove this information 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 explanation
Consumer complaint received 2018-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
this is fourth time that i fiiled a a complaint against XXXX they are not understanding or taken rwsponablity for what has happen and follow what others from the ecutive branch is willing to to. according to my congress and senator when and id is stolen the company has 120 days to look into it and no extra charges will be put on the account and the account closed right away. then because XXXX   has not issue a new card with in the expired date shown and still let the card be used its illegal. that two years ago ll banks and business with credit cards had 90 days to give a new card with a chip this was not done. there for XXXX is breaking the law. then because XXXX has sent every month from the last complaint that they would be willing to pay have the paymnt until this is paid off according to the federsl trade commission and business association and my senator and congress that XXXX   has admit wrong doing and there for to up held the agreement with the customer to close out the account and wipe out the debt because they are not traing there cashier to check id ask for name address and how long they had the charge crard and look and the expire date because it should not been used it should of been taken and cut up and a new one issued at the store or by XXXX. because XXXX  refused they brake the law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, consumer, entered into a consumer credit transaction with, XXXX XXXX and XXXX bank. A consumer transaction in which a finance charge was involved. 15 USC 1681 ( A ) ( 4 ) under FCRA means the consumer has rights to privacy. in which XXXX XXXX and XXXX Bank failed to provide protection of my rights. Inclusive towards that. The Corporations failed to verify and respond to my accounts over 45 days which also violate my rights of reporting accuracy. I have sent in certified mail which I have receipts from that have yet to be verified also. Companies need to block and delete accounts from 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 2019-01-15
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for {$8600.00} at a Chase ATM on XX/XX/2019. The check was a reimbursement from my insurer for damage to my home. The deposit was credited to my account and then on XX/XX/2019 the entry was reversed. On XX/XX/XXXX Chase sent a message that the check deposit was rejected. Chase did not provide any steps on what I should do next to receive the funds. 

The check was made out to three individuals : ( 1 ) Me, ( 2 ) a public insurance adjusters, and ( 3 ) the holder of the note on my mortgage. After spending 40 minutes on a call with Chase, they told me that I could not deposit the check because the check had to be endorsed by both me and the public adjuster. But the check was endorsed by me and the public adjuster. It was only after I insisted for 40 minutes that Chase accept the check did the representative check with her supervisor, who pointed out that a third entity -- XXXX XXXX didn't endorse. She said they would send a legal copy of the check which could then be endorsed at a Chase branch. 

Then I asked, " So do I have to take this to XXXX XXXX? '' " No, '' she replied This is a stupid conclusion if you think about it : if XXXX XXXX doesn't have to endorse the check now, why did XXXX XXXX need to endorse it then? 

On the next business day I take the check to a Chase branch. Guess the response : " You have to take this to XXXX XXXX. '' Because of Chase 's delay, my checking account was low and I nearly bounced checks. If I didn't maintain sufficient funds and bounced checks, who do you think is going to be responsible for that? Is Chase going to reimburse me because their misinformation delayed the deposit of the funds that I urgently needed? I bet they wouldn't. 

If I didn't affirmatively reach out to Chase to ask what the next steps would be to deposit the funds, was Chase going to call me and tell me what to do? Doesn't look like it. 

Chase should have to implement a training policy on cashing checks related to insurance claims and communicating with their customers. It's not fair to consumers who need funds immediately to repair their homes that were damaged. Currently my home is missing large sections of its floor, the air is full of dust and I have to live there without being able to move forward with repairs due to Chase 's idleness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a capital one card I done the pre qualify thing they have first because I didnt want my credit run for nothing and have an unnecessary inquiry on my credit they said I was pre approved so I went ahead and applied and was denied the reason this seems awful funny to me is my credit score is higher than my wifes and she has 2 cards through them this is not right at all my score is 29 points higher than hers the government needs to really start punishment on this card companies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: AES/PHEAA
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This company violated 12 CFR PART 1022 REGULATION V. They are still reporting outdated information that 7+ years old on my report. Also they are reporting multiple negative accounts with ONE account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Experian Information Solutions 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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DPT ED/XXXX Company inquiry : ONLINE

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 2020-11-10
Company: Resurgent Capital Services L.P.
State: FL
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:
XXXX, SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX  XXXX XXXX, XXXX, FL XXXX Todays date : XX/XX/XXXX ATTENTION DISPITE DEPARTMENT LVNVFUNDG  XXXX LVNVFUNDG XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNVFUNDG  XXXX LVNVFUNDG  XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have both personal and business accounts in Bank of America. My business account had a fraudulent transaction " possibly caused by this bank 's employee. I get direct deposit to my personal account. Bank of America is " relentlessly harassing '' me to bring Social Security Card to the bank location, otherwise they have threatened to close my personal account. I have provided all the information during opening my both personal and business accounts. I would have closed my personal account, but I can not quickly stop automatic deposit. Bank of America has serious security flaws within its employees, who may have stolen my business debit card info and fraudulently charged in XXXX. Once I switch my automatic deposit, i will close both accounts. This is a terrible bank engaged in harassing customers

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 2017-11-17
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted all three bureaus for the past 5 months in reference to several fraudulent request for credit that showed up on my credit report in the inquiry field. There are over XXXX inquiries within this 5 month span and this was not authorized by me the consumer. I have called them numerous times, i have filed a police report, i have submitted documentation and letters to them advising the information was fraudulently requested with my personal information after my identity was compromised. 

My entire credit file with Experian was compromised and was showing up with me as being XXXX. XXXX had many security breaches and this bureau was assessed along with XXXX. 

With all the security breaches with the bureaus, you would think their customer service would have improved but nothing has occurred at all. 

I need some assistance in this matter as it negatively affecting my credit file. I have a fraud alert on my credit file, a credit freeze, and regularly visit the sites to see if anything has happened. 

Please provide some assistance in this matter. 

Thank 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 explanation
Consumer complaint received 2019-09-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I set up an account on line and added XXXX XXXX XXXX, their address, account number etc to my wire contacts and wired. XXXX to them for a purchase. Because Wells Fargo will only let clients wire XXXX a day, max of XXXX a month, the next day, XX/XX/XXXX,  I wired XXXX to XXXX XXXX XXXX. My on line account was immediately frozen and I was told to call their “XXXX” number. I did. Explained my situation, confirmed my DOB, las 4 of my Social, my address, the amounts paid and to whom and the person told me she could not unlock my account and that I works have to go into my local branch. I asked to speak to a supervisor. After holding 40 minutes, a supervisor came on the line and I confirmed the exact same things the first associate asked me. She asked me what my purchase was for and ITold her it was none of her business and it’s my money in my account and to please unlock my account. She indicated to me that she would not unlock my on line account if I didn’t tell her what the money was for and I would have to go to my local branch. I then called my local branch and talked to a manager. He tried to walk me through resetting my password as I was locked out and it wouldn’t work. I went into my local bank on XXXX XXXX, CA, and a young man by the name of XXXX XXXX helped me. He was transferred a couple of times, giving my account number each time, and then eventually that he confirmed my existence by my CDL and advising I had my debit card and the lady on the other end of the phone asked to talk to me. She asked me all the verifying questions again and asked what XXXX XXXX XXXX was and what my purchase was for. I told her it was a business and my purchase is none of her business, it’s my money and to please unlock my account. She again said she would not do that unless it told her what the business was... and then led her to XXXX it and she said she would not and would not unlock my account. I then asked XXXX XXXX if he could wire the XXXX to XXXX XXXX XXXX she he said he was and he was so sorry and there is no reason I should have to explain my purchase to anyone.My husband then got involved and called a gentleman by the name of XXXX XXXX, a DM at Wells Fargo. My husband explained the situation and Mr. XXXX indicated this was not correct and for me to find out who the DM was in my area and to call him/her for a resolve. I called my local branch and found out the DM in my area (XXXX XXXX, CA) was XXXX XXXX @ (XXXX) XXXX.  I called that number and explained all of the above. The receptionist apologized for my experience, took my bane, account number and phone number and said I would get a return call...u have not received a return call. Please help meXXXX XXXX(XXXX) XXXXXXXX XXXX XXXX XXXX, CA. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: TX
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:
Complaint : ( XXXX XXXX XXXX  ) has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
I have NOT given permission for ( XXXX  XXXX XXXX  ) to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b. 

Equifax must remove all information reporting from and relating to ( XXXX  XXXX XXXX  ) including third party debt collection accounts associated with ( XXXX  XXXX XXXX  ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Paypal Holdings, Inc
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
Upon deciding to purchase 2 XXXX XXXXXXXX XXXX XXXX XXXX on XXXX XXXX XXXX, I called VENMO ( Merchant ) and XXXX XXXX  ( CC issuer ) to confirm I had protection in the event something were to go wrong with the transaction, XXXX and VENNO both confirmed no problem, " we have you covered '' via the dispute process. Therefore, I proceeded with the purchase and paid the seller via VENMO using my XXXX card. Payment 1 for bench 1 was paid on XX/XX/XXXX, {$270.00} ( {$280.00} with fees ) and payment 2 for XXXX  2 on XX/XX/XXXX, {$290.00} ( {$300.00} with fees ). After XXXX XXXX ( seller ) received payments, he did not send the XXXX  and updated on XXXX  messenger that he received my payments but, unfortunately, could not afford to ship due to personal financial constraints. I immediately contacted XXXX, XXXX, and, VENMO. Subsequently, I got the money back but a few days later was charged again. All of these companies assured me that I had full protection with this transaction but have turned their backs on me responding " there's nothing we can do. '' I'm an XXXX  card holder with XXXX, spending several thousands of dollars using this card and now getting no help from them whatsoever. In fact, the " office of the president '' called me 2 weeks ago asking that I return the call. I have tried no less than 10 times to reach XXXX at the " office of the president '' and can not reach her. 2 weeks after the fact, she called my mobile number at XXXX at night and I missed the call. There is no consistency as to when XXXX XXXX return calls and I'm never able to reach a live person. The CSRs at the general number as well as the dispute department will not give out any information other than XXXX ( XXXX ) will call you shortly. 2 months after the fact from the original payment and the seller continues to hold my money and advertise on XXXX and use VENMO. After I threatened the seller telling him to return my money, he sent me 2 broken XXXX that need to go into the garbage. Long story short, XXXX assured me that I had full protection using VENMO as the merchant and now they are doing nothing to recover my money after receiving 2 broken XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation