BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-10
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a {$800.00} check to Chase from my XXXX  husbands XXXX checking account on XX/XX/20. It cleared on XX/XX/20. Chase will not clear the check for 15 days. 

Chase has consistently been putting extremely long holds on my XXXX  spouses checks to me. They have tied up {$1500.00} for 15 days just this week alone. Now we are late with rent. 

I called Chase and held for 2 hours and spoke to XXXX at XXXX. I also sent images of the cleared deposits to chase via secure messaging. 

XXXX refused to call XXXX with me in a conference call with XXXX to confirm the check cleared because she does not know how to do her job and interact with a XXXX  XXXX person through an XXXX. She said we could go out in the middle of a pandemic to a branch or just wait. She refused to call XXXX with all parties sitting right there trying to explain to her how to confirm a check cleared. 

Our lease is up for renewal and we are already late with our rent. We dont need XXXX   like XXXX who dont know how to do their job absolutely destroying our finances. 

I want the hold on the cleared check released and a courtesy of {$100.00} for the rent late fees they are causing. 

This was XXXX XXXX Whatsoever you do to the least of these you do to me. Shame on Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've been pretty consistent with paying my bills on time. rm saying this because I went XXXX XXXX XXXX the other day and applied for en account. I got approved but with e {$300.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. I have gotten contact with local police and FTC. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX, DEPTEDNELNET, XXXX/XXXX, DEPTEDNELNET, XXXX  XXXX XXXX, XXXX   XXXX, XXXX Chapter XXXX Bankruptcy. Inquiries : 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 explanation
Consumer complaint received 2022-11-06
Company: Experian Information Solutions 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:
Experian is reporting this fraudulent account to my credit file without my consent Ive asked Experian to provide me with improper documentation verifying that this account belong to me which in fact it doesnt. I would like for Experian to provide me with a signed contract and a copy of my signature on a XXXX XXXX contract. Ive asked Experian repeatedly and still no proof but they are still reporting this account to my credit file. This is my last chance asking them you can not just report something that fraudulent or inaccurate to anyones credit file. The Consumer Financial Protection bureau is ware now so Ill have proper documentation showing I asked for proof and if not provided and if this account stay on my credit file with Experian I have the right to file a law suit against Experian

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 2023-01-18
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Incorrect information on 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 2023-06-18
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX  XXXX XXXX XX/XX/XXXX {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX illegally reported with out written consent. XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX illegally report to 3 credit reports with out written consent. XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XXXX, DE XXXX illegally report to 3 credit reports with out written consent. XXXX XXXX  XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX, NY XXXX reported to 3 credit reports with out written consent. all these violate written laws under us code 1681c-2 and us code 1681-b

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am submitting a complaint due to unauthorized inquiries on my report through ( TransUnion ) according to FCRA ( 1970 ) 15 USC 1681 and CFPB. My latest credit report shows 3 hard inquiries that I did not authorize You're authorized to report anything I haven't given written and expressed consent to. If you can't prove I made these inquiries knowingly, willingly of my own will you must remove it as such. Its a defamation of character

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 2018-09-03
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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX   Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance:XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21
Company: Experian Information Solutions 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 information incorrect

Complaint:
There is a delinquent payment posted to my credit report for my XXXX account ; however, this was the fault internally of XXXX when they transferred out of XXXX XXXX. I was in income sensitive forbearance when this transfer occurred. I moved to Florida to pursue work with my BA Degree, which I had not obtained up to XXXX. I had submitted the proper forms for deferment. I was in a major car accident where I had to go through rehabilitation in XXXX. I never received any type of correspondence from XXXX regarding the status of my forbearance. I then started to look into going back to school to obtain my Masters Degree. I was accepted in late XXXX. It was not until I looked at my credit report that I noticed there was a delinquent payment noted on my XXXX account. From when XXXX XXXX was the servicer back in XXXX XXXX. This was when I was still in rehabilitation and determined to be XXXX XXXX XXXX from being hit by a drunk driver, and I lost my job due to this injury that was not my fault, and I have hundreds of supporting documents from the lawsuits. I never received written or email notification like I do from XXXX XXXX XXXX, and my current XXXX  Loans. I was in injury and jobless forbearance in XXXX, and then I went direct into my MBA degree in XXXX. Also, it is only 1 payment marked as late, and it is marked as 120-149 Days late under worst payment status. under XXXX 30/60/90 days late XXXX appears. How can I not have marks under 30, 60 days late and a huge hit on 120-149 when I was entering school, in rehabilitation for injury, and in forbearances with my other loans. I filed all the correct paperwork out. This is the fault of XXXX and their mishandling of digital and physical paper files, and not sending out proper communications. Also, this hit is the only derogatory mark on my credit and it is making it so I can not even rent my own apartment or condo. This mark is unfair. I have already disputed it twice, and there is a mark consumer disagrees and previous dispute on my credit report in which my broker stated I would not be able to get a mortgage until that is removed, and XXXX  Refuses to remove it. They hang up on me every time I try to talk to them about this.

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 2020-07-30
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:
I have advised TransUnion on several occasions that the accounts with XXXX XXXX ( Origianl Creditor : XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX and XXXX XXXX XX/XX/XXXX, do not belong to me and may be a result of Identity Theft. TransUnion has yet to prove where they got this inaccurate information and will not correct the inaccurate information. Please help me get this issue resolved.

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 2018-09-03
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX opened two different accounts in my name so far. These Accounts are fraudulent and I did not authorize these accounts to be opened. They then continue to attempt every month to send these accounts with new numbers to Equifax, XXXX and XXXX. Both XXXX and XXXX have confirmed they will keep these accounts permanently blocked. I already notified XXXX several months ago that i am a victim of identity theft. My information was used to open an account at conns. My wallet was stolen and my Drivers license, Social Security card and even my email addresses were hacked. I have already notified local law enforcement of this information and have provided XXXX XXXX XXXX with my Identity Theft Affidavit from the FTC. XXXXXXXX XXXX XXXXXXXX XXXX continues to try and bill me for this fraudulent account and instead keeps reopening this fraudulent account with different account numbers so they can re apply it to my credit and damage my credit. I did not authorize this account. The account that made payments to it was from a " XXXX XXXX '' I am not related to XXXX XXXX and do not know a XXXX XXXX this account is fraudulent and I did not authorize it. Additionally the other accounts that Conns advised me made payments were also fraudulent and have been reported to the companies. XXXX XXXX has already been notified of my identity theft and they have marked the checking account as fraudulent. It has been closed and removed from my consumer report. Please do your proper due dilliegence when someone reports Identity theft to you. I have a right under the FCRA to notify the furnisher of the information that it is fraudulent. I am requesting you block this information and stop re applying it. I do not have your merchandise, I never lived at XXXX XXXX XXXX XXXX, TX XXXX and I never lived at XXXX XXXX XXXX XXXX, TX XXXX. My mail has been forwarded and just recently corrected. As stated this is my notice to you that i am a victim of identity theft. I do not have your merchandise, and I did not authorize any accounts to be opened with your company. I am providing a Identity theft affidavit attached. Please review and stop attempting to try and throw this back on my Equifax report. This is abuse to create new account numbers continuously and report 160 day late payments that I never even knew about nor ever received any bills because once again i never authorized this account. Please remove all my liability to this account it is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21
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 information incorrect

Complaint:
There is a delinquent payment posted to my credit report for my XXXX account ; however, this was the fault internally of XXXX when they transferred out of XXXX XXXX. I was in income sensitive forbearance when this transfer occurred. I moved to Florida to pursue work with my BA Degree, which I had not obtained up to XXXX. I had submitted the proper forms for deferment. I was in a major car accident where I had to go through XXXX in XXXX. I never received any type of correspondence from XXXX regarding the status of my forbearance. I then started to look into going back to school to obtain my Masters Degree. I was accepted in late XXXX. It was not until I looked at my credit report that I noticed there was a delinquent payment noted on my XXXX account. From when XXXX XXXX was the servicer back in XXXX XXXX. This was when I was still in XXXX and determined to be XXXX XXXX XXXX from being XXXX by a XXXX XXXX, and I lost my job due to this injury that was not my fault, and I have hundreds of supporting documents from the lawsuits. I never received written or email notification like I do from XXXX XXXX XXXX, and my current XXXX  Loans. I was in injury and jobless forbearance in XXXX, and then I went direct into my MBA degree in XXXX. Also, it is only 1 payment marked as late, and it is marked as 120-149 Days late under worst payment status. under Times 30/60/90 days late XXXX appears. How can I not have marks under 30, 60 days late and a huge hit on 120-149 when I was entering school, in rehabilitation for injury, and in forbearances with my other loans. I filed all the correct paperwork out. This is the fault of XXXX and their mishandling of digital and physical paper files, and not sending out proper communications. Also, this hit is the only derogatory mark on my credit and it is making it so I can not even rent my own apartment or condo. This mark is unfair. I have already disputed it twice, and there is a mark consumer disagrees and previous dispute on my credit report in which my broker stated I would not be able to get a mortgage until that is removed, and XXXX Refuses to remove it. They hang up on me every time I try to talk to them about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11
Company: Chek Cash, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have a loan with this creditor called XXXX XXXX. They are constantly calling my family members and also my employer .i really want it to stop. I am currently working with debt consolidation called XXXX XXXX and they are communicating with them. And I just want them to stop calling my employer and family members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Continental Services Group, Inc. d/b/a ConServe
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX is asking for a {$390.00} payment in a debt owed to the school. In the report it shows I was awarded a Pell Grant as well as the Millennium scholarship. Both were more then enough to pay for books and school the whole first year. With classes enrolled to take in 2017 I dropped out of school before the start of the year. So there's no reason for there to be a charge for no appearance in school activities, or to come seeking payment from me when I'm 100 % covered by the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In 2017, I had vandalism at my property and my siding needed to be replaced. I contacted THREE companies and put the project out for bid. Sears ( the company in this dispute ) sent a representative and gave a great presentation. As I sat at my dining room table, I told the rep that this was 100 % insurance. It was clearly a vandalism / insurance / police matter. I also was very clear that I have around an 800+ credit rating. I do NOT carry balances on Credit Cards and I do NOT use store credit cards ( only big banks ). I did not want to sign up for any " CREDIT ''. I also wanted to wait and hear the bids from the other two companies. For the next 15 minutes - I signed my name about 30 times on so many  documents. Again, very clear that this was a project OUT FOR BID for an insurance transaction. 

The next week - I got a call that a crew was on it's way to my home and I received a credit card statement. After many calls, I was told that I opened a credit card for nearly {$30000.00} with Sears and they had my signature. This was also the same day that I signed an agreement with another company ( who did NOT require me to open a credit card and dealt directly with my insurance company - they were also thousands less and used the same product ). 

Month after month I was told " well, you signed it '' and bills kept coming in. There was a fee for " work already performed '' which they called a survey. NO ONE was at my home for this. I fought this on principle and would not pay this bank. Further research showed that this is a pretty regular practice for this company. There are complaints at the XXXX and the FTC. I also read reviews on the websites for home repair and I am not the only one that experienced this practice. 

I am VERY disappointed that a company that WAS reputable at one point in time has challenged one of their former loyal customers over a few hundred dollars after being deceived at my own dining room table - IN MY HOME. Very upset. 

I will fight this until it is made right.

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 2018-09-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent in numerous letters to experian to try to resolve a situation. I have on my credit report XXXX XXXX account. I have sent in letters requesting an investigation into this matter I don't believe an actual investigation was done since they keep reporting inaccurate balance amount. I have also contacted XXXX XXXX I haven't either gotten proper documentation that what they are reporting is accurate. This is inaccurate data.

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 2017-09-21
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: Account information incorrect

Complaint:
There is a delinquent payment posted to my credit report for my XXXX account ; however, this was the fault internally of XXXX when they transferred out of XXXX XXXX. I was in income sensitive forbearance when this transfer occurred. I moved to Florida to pursue work with my XXXX XXXX, which I had not obtained up to XXXX. I had submitted the proper forms for deferment. I was in a major car accident where I had to go through rehabilitation in XXXX. I never received any type of correspondence from XXXX regarding the status of my forbearance. I then started to look into going back to school to obtain my XXXX XXXX. I was accepted in late XXXX. It was not until I looked at my credit report that I noticed there was a delinquent payment noted on my XXXX account. From when XXXX XXXX was the servicer back in XXXX XXXX. This was when I was still in rehabilitation and determined to be XXXX XXXX XXXX from being XXXX XXXX XXXX XXXX XXXX, and I lost my job due to this injury that was not my fault, and I have hundreds of supporting documents from the lawsuits. I never received written or email notification like I do from XXXX XXXX XXXX, and my current SNHU  Loans. I was in injury and jobless forbearance in XXXX, and then I went direct into my XXXX degree in XXXX. Also, it is only 1 payment marked as late, and it is marked as XXXX Days late under worst payment status. under Times 30/60/90 days late XXXX appears. How can I not have marks under 30, 60 days late and a huge hit on XXXX when I was entering school, in rehabilitation for injury, and in forbearances with my other loans. I filed all the correct paperwork out. This is the fault of XXXX and their mishandling of digital and physical paper files, and not sending out proper communications. Also, this hit is the only derogatory mark on my credit and it is making it so I can not even rent my own apartment or condo. This mark is unfair. I have already disputed it twice, and there is a mark consumer disagrees and previous dispute on my credit report in which my broker stated I would not be able to get a mortgage until that is removed, and XXXX Refuses to remove it. They hang up on me every time I try to talk to them about this.

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