BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XXXX XXXX, 2017, at around XXXX XXXX, I tried to cash a check at the Chase Branch located at XXXX XXXX XXXX. XXXX, CA XXXX. My attorney and I presented a check for deposit to a Teller named XXXX XXXX I explained to XXXX we needed to deposit two checks made out to The Law Offices of XXXX XXXX XXXX and XXXX XXXX XXXX to my checking account. One check was for the amount of {$2300.00} and {$1900.00}. My attorney and I both endorsed the checks in front of XXXX the teller. XXXX refused to deposit the checks because they were made out to me and my attorney. I explained to XXXX I had called Chase 's Deposit Review Department to get the specific instructions of how to deposit my checks. I asked  XXXX to call and verify with the Deposit Review Department for instructions on how to deposit my checks. XXXX refused and went in the back to ask the Banks Manager. XXXX returned and said his manager instructed him he could not deposit the checks. I asked if I could speak to the Bank Manager, so I could explain I had already spoken to The Deposit Review Department before I came to the Bank. XXXX refused to get the manager and rudely told me to get out of the Bank. The Manager had a responsibility to resolve my deposit issue with XXXX. The Manager should make every attempt to resolve any and all banking matters before turning away a customer. Further, XXXX lacks professionalism in his dress as a XXXX. XXXX was dressed in a XXXX XXXX XXXX jacket. A job as a teller is a professional job and should dress accordingly. Tellers need to project professionalism for Chase Bank and their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions 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: 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. 

Account name : # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 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 2018-10-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I'm writting to dispute an unauthorized charge for the amount of {$1000.00} was apparently charged to my Chase credit card account ending XXXX as of XX/XX/2018. I am requesting that the error is corrected, that any finance of the amount to be credited to my account, as consumer will not be held responsible for any mistake by the institution or merchants. I have contacted to the original merchant XXXX in regard of this unauthorized charges, and have come to an agreement to have the unauthorized charge to be resolved. Please provide the bill of sale, authorization of charges within 5 business days period. Unable to comply with request determined the unauthorized charges to be void. 
*Under Fair Credit Billing Act ( FCBA ) it is mandatory to comply with disputed request of 161.Correction of billing errors, 165.Treatment of credit balance, 166.Notification of credit card issuer by seller of return of goods, etc., by obligor ; credit for account of obligor. 
170.Assertion by cardholder against card issuer of claims and defenses arising out of credit card transaction ; prerequisites ; limitation on amount of claims or defenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX   Company Inquiries : 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

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 2020-10-23
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: Information belongs to someone else

Complaint:
I have 2 fraud accounts listed on my credit report for XXXX XXXX XXXX XXXX IN XXXX and XXXX XXXX XXXX   XXXX. I have filed an Identity Theft Report which is attached to this complaint and the report number is XXXX. Please see the attachment. Please remove these fraud accounts from my credit report immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Slovin & Associates Co., LPA
State: OH
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 recently discover that someone has been using my ID and personal financial information to open up accounts for lines of credit and business transactions with companies that I do no recognize. I have several lawsuits that I was unaware of that have dubious origins and various jurisdictions. I was able to locate the XXXX XXXX items that are not mines and are fraudulent actives starting on or around XXXX to present. I have file a FTC ID The Affidavit as well as a CFPB compliant against these companies. The follow accounts and case are fraudulent/unknown/unverified : RANDY T. SLOVIN SLOVIN & ASSOCIATES/Case No. XXXXXX/XX/XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: JPMORGAN CHASE & CO.
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: Reporting company used your report improperly

Complaint:
I went to XXXX XXXX to secure a lease for a car. On XX/XX/XXXX two hard inquiries were issued .... One by XXXX XXXX dealership and a second by their finance company Chase auto.. My score dropped XXXX points And I need one of these hard inquiries to come off as it 's the same day fir the same auto lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: NRA Group, LLC
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: Was not notified of investigation status or results

Complaint:
I Have Filed A Dispute In Regards To The Incorrect Item On My Credit Report, It Has Been Over 30 Days And I Haven't Received Any Investigation Results.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: FIDELIS RECOVERY MANAGEMENT, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Individual called me and would not tell me what the matter was about. I repeatedly asked for information and all I 've got in return I want your birth date and address. Very rude and the representative hung up on me while I was talking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On XX/XX/XXXX Equifax sent me a promotional offer of {$9.00} per month with no expiration date to accept the offer. On XX/XX/XXXX I signed up for services and my account was charged for the {$9.00} but when attempting to log in the website told me I had no active product. 

When calling the Equifax contact center they told me on XX/XX/XXXX and XX/XX/XXXX that my account was not charged and therfore they refused to assist with providing a refund or activating the services. They were very unfair about the process and stated there was no way I was being honest about being charged {$9.00} for the product. I explained i had a bank receipt with the date and time of the charge and they would not accept this as proof. Equifax then tried to sell the same product for {$19.00} and this seemed like an unethical dales practice. 

On XX/XX/XXXX the contact center representative asked for my full XXXX digit debit card number and then admitted he would be turning off the call recording while I provided my sensitive debit card information. This seemed very unethical and I know realize Equifax contact center representatives have the ability to alter call recording procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I requested to see the ORIGINAL NOTE that I signed to validate this debt with Specialized Loan Servicing LLC. They informed me that they only serviced the note. This is not going to work! IMMEDIATELY show me my ORIGINAL NOTE OR FULLY REFUND MY MONEY!

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 2018-09-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2018 i contacted Wells Fargo because I was unable to download transactions into my XXXX. per online forums there has been an issue with this since XX/XX/XXXX. it is not XX/XX/XXXX and the issue has not been resolved. 

I refer may clients to Wells Fargo and this is unprofessional on Wells Fargo end. they promise easy XXXX  navigation and are not doing as they promise in their advertisements. They have reached out indicating it has been corrected but it has not. Additinionally, when i call ( which i did on XX/XX/2018 ) they redirect me to XXXX ( owner of XXXX  company ). XXXX then indicates to me that it's a Wells Fargo issue.

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 monetary relief
Consumer complaint received 2023-03-02
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I recently received my credit report and there I noticed a lot of information that is not right. With the intention of improving my credit I sent out letters to verify the said information. I am not sure if they are reporting accurate, therefore I want them to send me a response.

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 2020-09-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I contacted XXXX XXXX in regards to incorrect information on my credit report and they have not investigated my dispute. I have asked them for documentation on this account and have yet to receive it. They are reporting multiple inaccuracies, each credit bureau is showing different information. For example XXXX is showing date of last activity as XX/XX/XXXX, XXXX XX/XX/XXXX and Experian XX/XX/XXXX. They continue reporting incorrect information on my 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 2018-04-03
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: Account status incorrect

Complaint:
on XX/XX/XXXX family moved from XXXX to XXXX. told XXXX XXXX  XXXX ( account number XXXX ) to turn my service off on XX/XX/XXXX. XXXX sent me a bill charge me until XX/XX/XXXX. so i mail them back and forward to solve problem. once i got the right bill i paid XXXX. wrote XXXX a check through XXXX XXXX check number # XXXX amount of {$140.00} on XX/XX/XXXX and XXXX cashed the check on XX/XX/XXXX. i have bank statement and check show i paid XXXX XXXX XXXX and that that cashed to check. on my credit report it show charge-off which is inaccurate information. credit reporting agency are to show accurate information.this need to be removed from my credit report or change to show late payment. equifax is the only credit reporting agency showing this inaccurate information and needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is unacceptable and I want this removed ASAP!

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 2023-06-10
Company: Experian Information Solutions Inc.
State: FL
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. 

XXXX XXXX CT-EAST DIST MIC XXXX, has violated my rights. 

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 an 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 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 2020-10-23
Company: EQUIFAX, INC.
State: VA
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:
My outstanding complaint is filed under three Complaint ID 's :  XXXX, XXXX, XXXX, but there seems to be no way to leave this message under my existing screen - maybe because your agency has advised me that the Credit Bureaus have responded and my case is closed. 
I complained because my credit rating was sharply reduced after several months of doing absolutely nothing to cause that reduction ( no new accounts, every account paid on time and several reduced to XXXX - though I didn't close those accounts since that would be a negative consideration ) This is why I would like to reopen my complaint : The credit bureaus were not responsive to my complaint. As they have all done - exactly as in previous years - was simply send me my complete credit history and a note summarizing the factors considered when determining a credit rating. After reviewing their response, it simply confirmed that my credit rating should NOT have been reduced but should, in fact, have improved. 
When I went back to the bureaus to point this out, each of them responded by simply sending me another copy of my complete credit history and the same summary of how a credit rating is determined. 
Therefore, my complaint has certainly NOT been addressed and the Complaint Numbers should definitely remain open. 
I truly wish that your agency would follow-up with the credit agencies to let them know that it's infuriating to receive that kind of standard response despite the nature of a complaint. 
It would also be of enormous help if your agency made an effort to convince the credit bureaus that they should post information on-line which would allow anyone to determine exactly why their credit rating was reduced. This would, of course, reduce the number of complaints to the Credit Bureau ( and to your agency as well ), and  would be a wonderful way of teaching people how to maintain a good credit rating. 
Please, Please, Please let me know that my complaint is still being worked on, as I will pass it on to the two Virginia XXXX who received my original complaint. 
Thank you so very much ... ... ... ... ... .... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-10-09
Company: EQUIFAX, INC.
State: TN
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 sent letter to each credit agent stating that they need to send information obtaining this information via mail. And I didnt receive any type of validation from any bureau. I was just told they will not remove. But they wont send any proof of where they got this information. And they are required by federal law to provide court documents directly from the court to put on my credit. Or a signed document from myself. 

Per the FCRA 623 ( a ) ( 5 ) : If the credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify-through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

Company response to consumer: Closed with explanation