BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: JPMORGAN CHASE & CO.
State: IL
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/XXXX, I tried to withdraw {$300.00} from my checking account by using my debit card at Chase Branch located at XXXX XXXX XXXX XXXX, XXXX IL XXXX. I selected eight 5 's & then selected Finish For Me. The ATM sounded like it was shuffling bills to dispense. Then a message appeared that this machine does not have 5 's. The door for the cash did not open but my debit card popped out. I was about to redo the transaction but I decided to do a balance inquiry & print receipt in case {$300.00} was deducted from my account balance. I reported this to a personal banker immediately after it happened. Now I am supposed to fax proof that I did not get any money. The bank teller said I have to file a police report & get a lawyer since they can only review tape once they get a subpoena. I am getting nothing but the run around from Chase Branch employees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-27
Company: Grain Technology, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
This is the second time I've had this problem, the first was On XX/XX/2021 I filed a complaint with the CFPB regarding my account with Grain. Not only were they NOT providing a way for me to make a Payment on my account due to their ACH functionality not been available. Now again I'm experiencing yet again the same issue. I'm unable to submit a payment online. I even contacted Grain via support email and asked them can they send me a bill via Mail so i could just mail it in and they informed me for some reason they weren't able to. So I couldn't pay online/App, they couldn't mail me a bill statement, but yet they report my account 30 Days late on XXXX XXXX and now my Credit Report has been single handedly destroyed and holding me back from acquiring future credit and moving forward in Life. I want ALL OF THIS LATE PAYMENT REMOVED IMMEDIATELY!!!! AND GIVING AN EFFICIENT WAY TO PAY MY BILL!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
To whom it may concern, It is my right to have a fair, and correct credit report across all three bureaus. I've requested my accounts to be placed under investigation under all three bureaus and there are so many inaccuracies across the board, yet they keep coming back verified. 
I am being charged off for dead accounts damaging my XXXX some accounts are not matching across the board. Dates are incorrect across the board. Charged off accounts are not showing zero balances that have been turned over to a collection agency. The debt collector can not update lates on a monthly basis. Reporting the debt as revolving, which is not only inaccurate but it's causing my credit score to decrease. 
According to the FCRA, section 623 a person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. ''

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 2022-02-27
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. XXXX Account # XXXX ( XX/XX/XXXX ) {$680.00} and XXXX XXXX XXXX Account # XXXX ( XX/XX/XXXX ) {$2800.00}, 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

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 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I checked my credit report recently and it shows i have late payments to my XXXX XXXX XXXX XXXX. Which is weird to me becauae im on thr credit protection program and they have been making my payments for 3+months. please see attachments

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX5 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX  XXXX RE : REMOVE UNAUTHORIZED INQUIRIES Dear TRANSUNION, I pulled my 3 credit reports and scores recently. My report shows some inaccurate information that I did not authorize. Im referring to the inquiries listed that I did not authorize or provide consent. Im not aware or familiar with any of these listed creditors. 

I did NOT authorize the following inquiries listed below. None of these creditors obtained my consent and these reporting inquiries appear to be a violation of my FCRA rights. 

Below are the results of inaccurate reporting of my information. Please delete immediately. 
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 XXXXlease remove these unauthorized inquiries IMMEDIATELY and send me an updated copy of my credit report. 

Thank you, 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 2023-12-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied for a new CD account on-line. It was declined, and I was told there would be an email with an explanation. The email had no explanation. I called customer service, and was not given an explanation, either. I was told there was simply no way to open an account, and no way that I could find out the reason.

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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureau XXXX XXXX XXXX and/or TransUnion ) credit report XXXX My latest credit report shows ( XXXX ) credit inquiry/inquiries that I did not authorize. I am writing to dispute the following inquiries and asking for their removal from my credit report. 

Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXXXXXX XXXX Account Number XXXX Account Type Debt Buyer Account Name XXXXXXXX XXXX  Account Number XXXX Account Type Debt Buyer Account Info Account Name XXXX XXXX Account Number XXXX Account Type Debt Buyer Please have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. Thank you for your assistance. Sincerely, 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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 writing to bring to your attention a serious issue regarding inaccurate reporting on my credit file, which is in violation of the XXXX XXXX credit reporting guidelines. I have attached a copy of my police report, which documents identity theft and serves as supporting evidence for the inaccuracies in question. 
The following accounts are erroneously listed on my credit report these accounts are neither listed on my XXXX credit report nor my XXXX credit report : Inquiries : XXXX XXXX XXXXXXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXXXXXX XXXX XXXX  Accounts : * XXXX XXXX * Account Number : XXXX * Amount : [ {$56.00} ] XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * Amount : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * Amount : {$720.00} * XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * Amount : {$2500.00} * XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * Amount : {$2500.00} I have already filed disputes with your bureau I have taken the necessary steps by contacting law enforcement to address the identity theft issue. The attached police report provides explicit details of the fraudulent activities associated with my identity, confirming that the reported accounts are a result of criminal actions. 
As per the XXXX XXXX guidelines, I request that you conduct a thorough investigation into the accuracy of the information being reported on my credit file. Furthermore, I insist on the immediate removal of the aforementioned accounts, as their inclusion is not only damaging to my creditworthiness but also a direct violation of my consumer rights. 
Please consider this letter as my formal notification of the inaccuracies on my credit report. If necessary, I am prepared to take legal action to rectify this matter and seek damages for any harm caused by the reporting errors. I trust that your bureau will treat this matter with the utmost urgency and adhere to the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX format. 
I expect a prompt and thorough investigation into this matter. Additionally, I request written confirmation of the results of your investigation, including any actions taken to correct the inaccuracies on my credit report. 
Your immediate attention to this matter is appreciated. Please feel free to contact me at XXXX or XXXX if you require any additional information.

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 2023-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Unemployment direct deposit is scheduled for today and BOA has NOT deposited funds.

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 2023-12-03
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Equifax Im sending this second letter in response to your updated letter which stated that you have verified the account. In your letter, you also told me to contact the furnisher about this account. I did that. I sent them a debt validation letter asking them to prove to me that this debt is in fact mine. They never, and I mean never, responded to me. 

From my understanding of the Fair Credit Reporting Act, and please tell me if Im wrong, if an item is unverifiable, it must be deleted, right? Well the collector never responded to my validation request and as a result, the item is unverifiable. Im asking your company to do the right thing and follow the law as its clear, and delete the follow account below : XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX XXXX  : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

If for some reason, you choose not to investigate, or send me another letter stating that you have already verified the account, I will do the following : ( 1 ). File a complaint with the Attorney Generals Office.

( 2 ). File a complaint with the Consumer Financial Protection Bureau.

( 3 ). Explore all legal options on this matter.

I dont want it to come to this. Please delete the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26
Company: Keynote Consulting, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt collection company mailed me an attempt to collect debt, I mailed back a letter requesting validation of debt and specific items within the law I would need to validate debt, company mailed partial information along with a persons drivers license that had black sharpie over parts and I could still read all of the drivers license. I mailed back a second attempt to validate debt and have not received anything for over 30+ days..

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 2023-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX  Today, I received a call from a customer call center from Bank of America in regards to XXXX that was submitted the other day. 

We went over the complaint. The Customer service agent kept asking who I spoke to. Initially about trying to initiate the dispute over check # XXXX for {$95.00}. I told her that I didn't remember but the second one was XXXX who was very nasty. 

She went around in circles asking me names and dates. i got the feeling this was a stonewall. Then she brought up an issue that had nothing to do with the current one about the visa credit card services. I said that this had nothing to do with anything. 

The Bank of America customer calls centers are monitored. In addition they record the customer service agent, time and date. very frustrating experience, Then my phone got disconnected again. 

Bad customer service from Bank of 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 2022-02-27
Company: Monterey Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am disputing this company because they are negatively reporting on my credit report and the account is supposed to be closed. 

I used their financial service to buy a puppy and in there contract it clearly states if the animal is lost, stolen or dies before contract is paid in full, the contract would be terminated and closed at the point if they were notified. I have written this company several times letting them know the animal was lost/stolen from my backyard and this contract should be closed and they are still reporting negative to reporting agencies. This is a breach of their own contract that they sent me and wrote themselves. The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that prohibits debt collectors from using practices that are abusive or deceptive. with that being said since company is negatively reporting false money owed and in breach of contract, I am forced to take Legal Remedy for a Breach of Contract. You have 30days to close the account and remove all negative remarks from my credit report and mark account as closed or due to my Rights Under the Fair Credit Reporting Act, I shall start issuing FCRA Violations of {$1000.00} per violation and {$5000.00} for Punitive damages and Actual Damages for harm that has been caused to my credit report, and stress it has put on me financially. Please be advise if not removed I also will be adding in Attorney fees and court costs and since this is a breach of term clearly stated in contract we also will demand a full refund be issued for monies paid and want account closed immediately with XXXX balance and no negative remarks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2023-09-18
Company: FIRST NATIONAL BANK OF OMAHA
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am very upset I had a dispute with FNBO and their agreement said all disputes need to be handled through arbitration now theyve failed to respond to arbitration and not only are the in Breach of contract but it seems the arbitration court says they will not be hearing any case for First National Bank of Omaha ( Which indicates that the bank is in breach of contract with each and every customer they have.

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 2018-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I never authorized this companies to obtain a copy of my credit report. I disputed this with company and credit bureau with no response. I want to see the application signed by me which should be on file. This violates the Fair Credit Reporting Act. These inquiries need to be removed or show me where I authorized these companies to obtain my credit report. The credit bureau 's need to remove the following inquiries : XXXX XXXX. XX/XX/2017 XXXX XXXX. XX/XX/2017 XXXX XXXX XXXX. XX/XX/2017 XXXX/XXXX. XX/XX/2017 I never authorized these companies to obtain a copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation