BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-03
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, at XXXX I was at a chase atm and I deposited XXXX cash in all XXXX in my account. I also have a video of me at XXXX of me at the atm with the money prior to the incident. The machine took my money, and proceeded to load slow, it kept making noise as if it had trouble counting it, after about 7 minutes the machine printed out a receipt saying call a XXXX to be sure that my deposit went through. So I called Chase and told them everything that happen and they filed a claim. They kept telling me that they didnt see a deposit of XXXX pending. They told me a credit of the full amount would post to my account during the 10 day investigation, they keep reassuring me that everything was going to be okay. 
On XX/XX/2023, XXXX, I called chase customer service line again and spoke to a representative about my claim. I again explained the atm situation again, and ask for an expedited credit to my account. I needed to pay my rent which is due before the XXXX and any day after will result in a late free which Im trying to avoid. So I pleaded for the credit and the Rep said that she will send the request to the back office for approval for the expedited credit of XXXX that I lost to their atm. I waited on the phone for about 13 minutes for approval, and the rep came back and said the back office denied the expedited credit and I would hath to wait the 10 days. At that point I asked for a supervisor, the representative told me that the supervisor would tell me that same thing, I told her to please transfer me. The supervisor got on the phone, and she explained to me that because on their end they only see me inserting my card and putting in my PIN number but they dont a deposit, so I asked her did you guys check the camera, and she said I would hath to get a subpoena. At this point I could tell that the supervisor was getting aggravated so I started Crying because Im the one who lost my money trusting their atm, and shes giving me attitude, then she says she would never deposit that much money in a atm she wouldve went inside the bank, and then asked for her superior to speak to, and she told me to have a good day, and hang up on me. At that point Im still out of XXXX so I went to the bank branch at XXXX and spoke to the branch manager about the whole situation, he was kind and reassured me that he was going to file a complaint against the supervisor but he couldnt help me the XXXX that I lost, he said I would have to wait the 10 days. At the point I freaked out because I dont want to get evicted from my apartment because 10 days is way past the 5 day deadline for rent. I simply trying to deposit the cash in my account to pay my rent. They wont even credit my account so I could pay it for the time being not even hath. Im so sad and depress. I have never experienced anything like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: DC
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX Balance : {$420000.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$13000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
For the last month or so I get repeated calls from various numbers looking for someone else. I have told them repeatedly I am not the person for whom they're looking, recently resorting to not very polite language. How can I get them to cease and desist. The company is American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
PLEASE REMOVE THE FOLLOWING INACCURATE INFORMATION FROM MY CREDIT FILE : INCORRECT PERSONAL INFORMATION : Address : XXXX XXXX XXXX XXXX XXXX XXXX TU & XXXX  XXXX Address : XXXX XXXX XXXX XXXX ( XXXX  XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX ( XXXX  XXXX The following items are reporting incorrect status. Please correct the following items : XXXXXXXX XXXX XXXX - Date Opened : XXXX ; XX/XX/XXXX ( XXXX  & XXXX  XXXX ; Bal : {$340.00} XXXX XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX  & XXXX  XXXX ; Bal : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: NJ
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 noticed on nov. XX/XX/XXXX  my XXXX XXXX XXXX XXXX XXXX account XXXX showed 30day late-this account is on auto pay, i demand that this error be corrected because the money is taken directly out of the banking account to pay my account every month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Since XX/XX/2020 PayPal prepaid MasterCard has erroneously blocked my access to my funds. I have been traveling abroad since XXXX of 2020, exclusively using my PayPal Prepaid MasterCard without issues. 

I always notify PayPal Prepaid MasterCard prior to, when/where I will be traveling out of the U.S. to, so that they can anticipate seeing transactions from said country of travel. I have already authenticated my account years ago, however, PayPal Prepaid MasterCard has blocked my access now that I've arrived into a different country. They are now requiring that I authenticate my account again. I've already submitted my approved forms of ID and documentation according to their list of approved documents. I was able to produce a letter from a state agency as requested in their documents list and they still refuse to relinquish the block off of my account for my usage as I'm still abroad, but now in a financial emergency, and I have been in this debacle with PayPal Prepaid MasterCard for over a week. 

They have held onto my money relentlessly and refuse me access to my money, even after I have complied fully to their prerequisites, assurance of releasing the blockage off of my account. 

I'm reaching out, as I need an intervention from another entity to get the resolve of returning my money to me as soon as possible, and allow me to successfully close my account of 3 years with PayPal prepaid Mastercard agency for good. 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 2018-12-06
Company: EQUIFAX, INC.
State: TX
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:
My loan payments were always sent on time. I keep explaining this to the credit bureaus but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX/XXXX  XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: EQUIFAX, 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 requested verification under federal law asking XXXX, Equifax and XXXX  to send me written verification of items they are reporting on my credit report. I have been asking for written verification of any contract or document bearing my signature sent to me for the last several months. 

They continue to report inaccurate information and wont send documentation that the items they are reporting is in fact mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: MI
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 have a XXXX XXXX on my account that Im not aware of account number is # 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 explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: MI
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 have a XXXX XXXX on my account that Im not aware of account number is # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: JPMORGAN CHASE & CO.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I requested a redemption of cashback points from my Chase bank account to my XXXX XXXX  checking account. 

External DDA Order # XXXX ) for {$77.00} cash back to your bank account number ending in XXXX was submitted on XX/XX/XXXX. 

and External DDA Order # XXXX ) to your bank account ending in XXXX on XX/XX/XXXX. 

However, I did not receive either values. 

In contact with the chase support, the service was very superficial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Purchased a tractor, sent full payment to receiver, money was received from Bank of America. It was a total scam, I was informed that the original bank XXXX knew about this receiver and transfered funds to Bank or America.

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 2021-07-20
Company: FORD MOTOR CREDIT CO.
State: VA
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:
Ford Motor Credit incorrectly lists my account as a Charge Off on all three credit reports. I reached out to Ford and they confirmed that the account was paid in full and as agreed. I asked that they change this information and sent a letter in as instructed. The information on my credit reports is still listed incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22
Company: INTEGRAL RECOVERIES, INC.
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have received a collection notice from Integral Recoveries of XXXX, XXXX  alleging that I owe {$160.00} to Colorado Dept. of Revenue acct no XXXX for period ending XX/XX/XXXX however, I no longer live in XXXX  and filed my tax return in timely fashion with a REFUND owed to me for XXXX that XXXX  still has not paid. I was forced to retire in XX/XX/XXXX, moved to XXXX  in XX/XX/XXXX, and XXXX   took money out of my pension because they claimed I was still working in XXXX. XXXX  continued to collect tax on my pension in XXXX in violation of law but when you waste so much money as XXXX  does, then you have to harass former residents. I have never hired Integral Recoveries and owe NOTHING. They are threatening to harm my credit record which is an illegal shake down of a senior citizen, and they are fully aware of the lawless behavior of XXXX  under the direction of XXXX XXXX, former director of Colorado Dept of Revenue. Colorado has a part year exemption for income that should have applied to my pension and they FAILED to do so. I owe XXXX  NOTHING. The alleged debt does NOT detail how the debt was calculated but is clearly in error. I am requesting that Integral Recoveries cease and desist immediately, and that they be forced to pay me for my time used to respond to their false allegation of not less that {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: EQUIFAX, INC.
State: NY
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:
Hello on XX/XX/2019 went on XXXX XXXX noticed i got a hard pull from XXXX  XXXX on XX/XX/2019. I did not apply or authorize anything with this company. I called up there customer service and they told me to report it as fraud and thats the only way they can remove it since I don't have a card with them on record from whoever that tried to pretend to be me. Than the hard pull would be removed from cred report agencys within 30 to 45  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX responded to my CFPB consumer complaint XXXX informing me the XXXX XXXX XXXX is removing the XXXX XXXX XXXX mortgage account from all three major credit reporting agencies and went into detail responding to CFPB. XXXX joined shady XXXX mortgage, another shady operation thats had so many legal troubles. XXXX transferred my so-called loan to XXXX. Every since the transfer I have not been receiving any notification from XXXX about my loan and I am unable to speak to a live XXXX representative because every time I call the automated system says XXXX is unable to transfer my call to speak to a live representative regarding my loan and to try back later. I have been unable to speak to a live representative and I am unable to access mortgage statements on XXXX mortgage site. I do not know what payments are due. I believe shady XXXX and phony XXXX are once again attempting to intentionally rip off my home because thats what they do. XXXX is illegally charging me false fees and reporting false information to all three credit reporting agencies. I demand to know what payments are due so I can bring the loan current. I demand shady XXXX to remove the mortgage account from all 3 major credit reports immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX , XXXX XXXX XXXX XXXX, GA XXXX , XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX Balance : - , XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX Inquired on XX/XX/XXXX , XXXX Inquired on XX/XX/XXXX, XXXX  XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XXXX XXXX , XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
CAN NOT GET MY CREDIT REPORT AND CAN NOT GET FREE ANNUAL CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX, XXXX, and XXXX are still reporting an old collection from Jefferson Capital Systems on behalf of XXXX XXXX for the XXXX XXXX  {$2400.00} that I disputed the validity and never received proper verifcation with the original contract or even a notification that the debt was verified. 

I had just become aware that this debt was still on my credit profiles when applying for a mortgage. Please see attached for a copy of a credit report that I have received from my mortgage lender showing that the Jefferson Capital Systems on behalf of XXXX XXXX account has acknowledged that this debt was disputed, but I never received any official proof that it was validated or any resolution. 

This debt is being unfairly reported and is hurting my chances of being approved for a mortgage right now and I am expected to close on the house on XX/XX/2023. Please help get this Jefferson Capital Systems account rightfully removed from my credit profile on all three major bureaus. 

Thank you and I sincerely look forward to your response. 

XXXX XXXX XXXX  Account Name : Jefferson Capital Systems ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation