BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-10
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Under penalty of perjury, I hereby attest to the fact that neither I, nor anyone I know, authorized the XX/XX/2021 {$26000.00} ACH from my Chase business checking acct XXXX. This same person ( XXXX XXXX ) attempted to steal an additional approx. {$7000.00} on XX/XX/XXXX, but I was able to put a stop on that outgoing ACH. 

I have filed two claims with Chase Bank XXXX on XX/XX/2021, and XXXX on XX/XX/2021. Chase has denied my claim twice, claiming I have a relationship with the person who stole my money. This is categorically false, and Chase has refused my multiple requests to prove that I authorized this transaction ; undoubtedly, this is because no such evidence exists. My liability under Reg E is {$50.00}, as I reported this ACH fraud to Chase within 2 business days of it occurring.

In no way whatsoever did I benefit from the funds transfer. This money was unequivocally stolen from me, and I have never heard of anybody named XXXX XXXX, or any name remotely like that. I have no relationship with XXXX XXXX, and I have not idea who he/she is. I challenge both Chase and XXXX  XXXX XXXX to provide me with any authorization I ever gave to effect this ACH. 

My only business banking relationship with XXXX  XXXX XXXX is two XXXX XXXXXXXX Visa credit cards. I have provided evidence to Chase that the {$26000.00} unauthorized ACH was not directed to my credit card account. The only ACH I have authorized with XXXX is to pay my credit cards in full on the XXXX of every month. 

I have filed a police report with the XXXX XXXX XXXX Police Department ( case # XXXX ). Det Sgt. XXXX XXXX is investigating, and is having search warrants issued to both Chase and XXXX  XXXX XXXX. I also filed a report with the FBI at complaint.ic3.gov. I am meeting with Special Agent XXXX XXXX on XX/XX/2021. 

I demand Chase return this {$26000.00} to my business checking account immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-09
Company: ENCORE CAPITAL GROUP 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 information incorrect

Complaint:
Midland Credit Management keeps bothering me on a debt that I dont owe.

{$650.00} or an amount that I dont remember having. Im currently a broke XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-30
Company: EQUIFAX, INC.
State: FL
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:
I had a car accident in XXXX XXXX, XXXX. Had a total loss on the vehicle. Car insurance carrier paid {$30000.00} to XXXX XXXX, the lender. We 've done our part by communicating between the lender, Gap Insurance and the XXXX dealer. We 've faxed all the documents needed. We have n't heard anything from XXXX until the 2nd week of XXXX. I was alarmed to find out that our Gap Insurance has n't paid the remaining balance owed to the vehicle. I asked the Representative, a male, as to why we are just informed now after three months. He basically told me that they ca n't get hold of our Gap Insurance company after so many attempts, and that 's why they 're now contacting me. I called Gap Insurance Company and asked them of the progress. I was told that the documents they received three months ago were not eligible to read, so they could not proceed with the claim and they do not communicate with the lender or the customer. We made several phone calls between XXXX and the dealership for the next two weeks. Then on XXXX XXXX, XXXX at XXXX, I received a phone call from the XXXX call center. I spoke to XXXX and I was told that they received the Gap Insurance payment and all they 're waiting now is for the dealer to cancel the extended warranty service that we purchased on the vehicle. The next day, I had to go to the dealership to take care of it personally. While at the dealership, the finance manager looked up our account and discovered that our policy has been cancelled and only the lender can do that according to her. And a payment check of {$540.00} was sent to XXXX on the XXXX XXXX while Gap Insurance sent the check on the XXXX. XXXX failed to communicate with us in a timely manner. Because of their incompetence, we are being punished by reporting our account delinquent. If you talk to one XXXX rep, it will tell us another. It seems like the other hand does n't know what the other hand is doing. We 've tried calling XXXX several times asking them to remove the late report on the 3 credit reporting agency but until now, nothing has been done. So, I will not own the delinquent report on my credit reports because XXXX in the first place, failed customer service. They have my email, contact number to call or home address but they never updated us of the status of the claim until three months had passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 don't recognize this account, i have never applied for this, i'm not responsible for this debt, with this company i have no contracts or agreements with my signature.

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 2018-04-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently got behind on my mortgage by two months. I've been trying since then to catch up on my mortgage payment. Carrington mortgage will not give me any information to catch my account up to current standing. They are starting to send me lawyer paperwork which they did three years ago, cost me extra $ XXXX. They keep trying to take my home! I need the balance to bring my account current which they will not provide! I have and can pay immediately. Help! Please, Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Friday XX/XX/2021 - Two separate times - Sycrony Financial has called for someone who is not me trying to collect a debt - they attempted multiple times in the past and i have told them that i am not the person they are looking for and have told them to put me on the DO NOT CALL list multiple times but they have ignored that statement.

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 2021-09-10
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: Was not notified of investigation status or results

Complaint:
I received a copy of my credit report and found the following item to be errors. See the attached copy of my credit report. Here as follows are items in error : 1. I have never been late with payments on this account. 
XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
I sent disputing letter to the Bureaus and Bureaus did not reply to my letters. It's been more than 50 days since I sent disputing letter to the Bureaus.

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 2020-06-26
Company: JPMORGAN CHASE & CO.
State: OH
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 up my account with chase on XX/XX/2020. I signed up online and selected to have my promotional {$200.00} coupon to be added automatically while creating my account. on XX/XX/2020 I called to ask why I hadn't received the promotion and they told me it was not on the account. I was informed there was nothing they could duo. I remember the coupon code was automatically generated prior to me enrolling so I know it was an error on there end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 monthly payment for this account of {$580.00} was paid on XX/XX/2021. The due date is the XXXX of each month. This payment was made at approximately XXXX. 

Once the payment was processed, XXXX listed the date as XX/XX/2021 on the confirmation receipt. They used this deceptive tactic and incorrect date in order to place a " 30 days '' late on my ( the co-signer 's ) credit report files with XXXX, TransUnion, and XXXX. 

This incorrect information caused my credit scores to drop drastically ( WITH ALL 3 BUREAUS ) and has had NEGAVTIVE impacts my credit scores.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE.

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 2021-09-10
Company: Experian Information Solutions Inc.
State: NV
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 and XXXX is reporting fraudulent information. I provided an ftc report listing these fraudulent items. They removed it once and then placed it back on my report. When I asked why they couldn't give me any reasoning. 
This item was removed from the other bureaus, was not placed back on my report. 
My information was found on the dark web, XXXX data breach a lot of fraudulent items and inquires were found. This is affecting me from purchasing a home for my children. 
The law prohibits false information to be reported.

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 2021-05-05
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: Credit inquiries on your report that you don't recognize

Complaint:
I am filing this complaint w/ the CFPB due to unlawful, inaccurate inquiries are on my Equifax and XXXX credit report that I don't recognize and need to be deleted.. They are a direct violation of the FCRA and my federally protected consumer rights..I informed Equifax, XXXX , and XXXX about the unlawful inquiries on all 3 credit reports and only XXXX did a proper investigation and found the truth.. XXXX honorably and promptly Deleted all the unlawful inquiries off my XXXX credit!! However XXXX and Equifax has ignored the truth and continued to intentionally & unlawfully list these inquiries on my credit and ruin my credit and my life!! 
XXXX, Equifax, and XXXX/XXXX  of XXXX XXXX needs to be punished if they don't delete these inquiries off of my credit right now! PLEASE SEE XXXX '' S ( XX/XX/20 ) FINDINGS TO THIS COMPLAINT.. Thank you in advance for your help.. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019 Bank of America took {$2000.00} from business checking account and applied that amount to Bank of America credit card without my permission or knowledge.

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 2021-11-05
Company: EQUIFAX, INC.
State: TN
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 opened a case with the CFPB with XXXX as relates to my account and my wifes and both my wife and I have received corespondents from there executive resolution department. Which is listed below, I have emailed, called and received no response on the pre existing CFPB case opened or email and voice corespondents. I have disputed with all three agencies with XXXX simply applying a comment costumer disagreed and XXXX moving my single reported late payment from XX/XX/2021 to XX/XX/2021. Which is totally inaccurate. Below is the.email both my wife and received from XXXX on our accounts. I have also attached the payment snapshot showing that there was no late payment in XXXX or XX/XX/2021. This is has been a very hard year for me and my wife due to Covid and we truly love being part of the XXXX family but all that is being asked from even the first CFPB cases opened for both me and wifes accounts was that the single late payment being reported be removed from all three agencies. We are both very much aware of are financial responsibility and take it very seriously, which is why we are working very hard to pay our debt off completely starting with my wifes account next week. You can see the schedule payment in your system. 

From : XXXX Date : XX/XX/2021 at XXXX XXXX  CDT To : Executive Office of XXXX  Financial Services XXXX Subject : Re : Your Inquiry to XXXX  XXXX, Thank you for your response please let me know if there is anything you need from me regarding this issue. 

XXXX On XX/XX/2021, at XXXX XXXX, Executive Office of XXXX  Financial Services XXXX wrote : Dear XXXX XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure the concerns are properly addressed, your correspondence has been forwarded to my attention at the Executive Office of Customer Advocacy within XXXX. 

I am currently in the process of investigating your concerns. A detailed response will be sent to you upon completion of my investigation. 

If you have any questions or would like to provide additional information, please feel free to contact me at ( XXXX ) XXXX. I am typically available weekdays from XXXXXXXX XXXX to XXXX XXXX, ET. 

Sincerely, XXXX Executive Office of Customer Advocacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
upon checking my credit report i saw a XXXX Account with a XXXX dollar amount which has been closed and has that balance and i haven't opened a XXXX account let alone acquired a balance of XXXX for anything. whoever stole my information used it to open a XXXX account and upon my investigation i see where there is no monthly account information where any payments have been made, but of course not it was stolen information so they wouldn't pay and that's what i have been trying to point out to the Credit Bureaus

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 2018-02-12
Company: Messerli & Kramer P.A.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I've recently received a letter with an enclosed Notice to Judgement Debtor along with a Summons and Order of Garnishment. This letter is coming from a company named Messerli/Kramer & states that the Original Creditor is XXXX XXXX XXXX XXXX. I am unfamiliar with this bank as I have lived in NE my entire life. I personally have not had any loans, credit cards, etc for well over 10 years. I have no knowledge as to what this is all about and am asking that something be done regarding this. I just recently started working after our youngest got into school full time, but I am only working a part-time substitute position. My parents receive harassing phone calls for me, which I am assuming is from this Messerli/Kramer as well. With regards to this XXXX XXXX XXXX XXXX, I have been doing some research on them and have found that there had been a lot of fraudulent activity happening within their organization. Messerli/Kramer has been causing Hard & Soft inquiries to my credit, which I have finally started to get improved over the years after filing bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a check from my insurance company XXXX XXXX as a refund for my deductible, by law I am required to have my daughter on my auto insurance policy. XXXX XXXX issued me a check for {$1000.00} in my name and my daughters name. I submitted the signed check to Wells Fargo Bank in XXXX Ca XXXX XXXX XXXX XXXX ( XXXX ) XXXX. This check was for deposit into my account. Wells Fargo rejected the deposit, because my daughter is not on my checking account. She and I endorsed the check, so now I wait 3 to 5 business days to receive a " copy '' of that check. Why does it matter if I am making a deposit, endorsed by the both of us, that she is not on my account. I am not withdrawing money I am depositing it. Wells Fargo says she needs to be added to my account, however, with her credit rating they will not add her to my account, they tell me they will. but I have tried to add her before. I am now {$300.00} overdrawn which is why I wanted to deposit the {$1000.00} into the bank. So how much more are they going to charge me while I wait 3 to 5 business days for them to return a copy of the check. Due to a divorce my daughters credit is horrible, she can not open a checking account. She has a full time job and has had her paychecks direct deposited into my bank account for almost a year with nothing said or done about it, after all it is a deposit not a withdrawal, all of a sudden that is not allowed, so how does someone who is working and gets a pay check supposed to be able to cash a check with no account??? I understand about fraud, but the check was endorsed by both parties so why can they reject the check because she is not on the account. So here I am out of money racking up bank fees and not being able to even pay my bills. Wells Fargo is out of hand, charging outrageous fees for everything, and when I get the copy of this check and take it into the bank with my daughter to have them cash or deposit the check they will again reject this check, yet they will not add her to my account so she can deposit checks, I am XXXX years old I  receive a social security check each month, my daughter does my business for me because we are a one vehicle family and she needs the vehicle to work. We live together and I do XXXX for my grandson who is XXXX. I want this mess cleared up, as long as we both endorsed the check it should not matter who gets the deposit, this is just another way to collect fees and run my bank account dry taking all my money for the bank. Please please help me and stop Wells Fargo from taking advantage of low income people. This is ridiculous. A deposit is valid, the endorsement is valid the check is valid for deposit, should not matter who the other signer is on the check.

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