BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
Company: JPMORGAN CHASE & CO.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hello there, I am trying to open a checking account with Chase Bank as I already have an investment account with them ; however, I am unable to open a checking account as I get a message saying that this product is not available in your region because of my Hawaii address despite the fact that I already have an investment account with Chase as I plan on investing in stocks for my future. Also, I have scheduled a phone appointment with a personal banker to try and see if they can open a checking account for me over the phone and said that I needed to come in to a branch as my personal banker said that additional verification is required which requires me to physically be in a Chase branch. The issue is I live in Hawaii which is a paradise state that doesn't have any branches of the big banks which means I can only open an account online as there are no Chase or big banks branches in Hawaii. Furthermore, I can also confirmed that I have already updated all of my information on my credit reports for all of the 3 major credit bureaus as I have no issues opening a bank account online from other banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section XXXX and XXXX, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX XXXX Date XXXX Balance : $ XXXX Late Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Chime Financial Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020 chime bank closed my account at XXXX $ chime ask me to send in documentation to verify the funds in the account I sent legal documentation to chime numerous of times chime informed me that they could not restore my account and any funds in the account I should talk to the sender I have tried speaking with the sender they have yet to receive funds from chime its now XXXX again going on a year I havent received my funds from chime I have worked hard for my funds although with this change in my life I no longer have a job or home because of this I have told my landlord I would pay but I couldnt because chime took my money this isnt right now I am sleeping from house to house trying to get back on track I am sick I have gotten my attorney involved but that isnt something that I want to do but they are actually pushing it they dont respond to emails I have two complaints and my attorney is now working on this I dont want to move forward with this lawsuit at all but I have to do whats best for me If chime is willing to open my account back up and let me retrieve my funds I will stop the lawsuit I am putting against them I just need help with getting my funds back chime have no right to closed my account because of a amount that was deposited thats very hurtful

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: MARINER FINANCE, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX, I went on Workman 's compensation with my job at XXXX XXXX XXXX in XXXX, NC. 
I currently am not receiving any compensation from my workman 's comp. claim. 
I haven't received any compensation at all since XX/XX/XXXX. I have a scheduled XXXX meeting on XX/XX/XXXX with my Attorney and my employer, XXXX XXXX XXXX. I feel this is pertinent information to understand my complaint against Mariner Finance. 
Their Collection department contacted me, in particular their employee, XXXX XXXXXXXX XXXX. He introduced himself to me and informed me of my delinquent account and when can I resolve this account which is in arrears. I explained my situation of which I understand this doesn't exonerate me of my obligation to Mariner Finance. The second phone call to me from XXXX XXXXXXXX was when he bullied me, saying that he would take me to Small Claims Court if I didn't take care of this late payment to my Mariners finance account and why did I assume this loan if I couldn't pay it back as agreed? A couple of weeks later a man posing as a Sheriff knocked on my door, and handed me a stapled, 2 page paper, to appear at Small Claims Court. 
This is where I got suspicious, another couple of weeks later XXXX XXXXXXXX called my phone to request a payment and how will I settle this account. I got upset and said that as far as I know when I was served papers to appear in court, that's when it would be handled and I never heard of someone contacting a person, after Court papers, if the court papers are legitimate, are served? I could be wrong and wanted to know if you could validate this for me. I feel that this was illegally handled and XXXX XXXX XXXX XXXXactics are uncalled for and meant to scare and intimidate me? Please help me, as this has never happened to me ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX i met with a neighborhood dentist XXXX XXXX XXXX to get an estimate on doing some work on my teeth. the estimate was for quite a bit of money as it involved some implant work. XXXX XXXX 's office proceeded to assist me in applying for XXXX for which i was approved. I didnt want to make such a rash decision on such a big investment and wanted to search for additional estimates through different dentists. I never returned XXXX XXXX XXXX 's office until i received my first XXXX statement which indicated XXXX XXXX XXXX had been paid for work he had not done. I went around in circles with both the dentist 's office and XXXX and assumed it had been taken care of. 

Fast forward to XX/XX/XXXX, i received first a XXXX for XXXX and then a few days later a XXXX for that XXXX. 

There are numerous errors within this case that need to be further investigated and rectified. 

XXXX disbursed funds to the dentist whom had not even performed the procedure. 
The dentist accepted funds for work he never performed and the funds should have been returned to XXXX. 
I was never served with paper in XXXX and therefore had no knowledge of what was happening. There was no service of process. 

It is unfair and unjustifiable that i now have a judgment against me and am still missing teeth since i have yet to haev the work on my teeth done. 

Upon learning of the judgment, i reached out to all parties involved including XXXX, XXXX XXXX and Midland Credit Management. I havent heard back from the dentist and have been unable to resolve anything with XXXX. 

I have attached numerous x-rays of my mouth along with my dental exam reflecting all my missing teeth that have yet to be replaced.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX XXXX. And now we are in the month of XX/XX/XXXXXXXX  and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2018-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. There is a serious issue of possible fraud, I am not associated with these following addresses please delete. 

XXXX XXXX PATH, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitted a letter to the XXXX Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXXBalance : {$560.00} XXXX XXXX XXXXBalance : {$940.00} XXXX XXXX XXXX XXXXBalance : {$1000.00} XXXX  XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$500.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXXBalance : {$1300.00} XXXX XXXX XXXXBalance : {$940.00}

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 non-monetary relief
Consumer complaint received 2022-01-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
{$1800.00} with XXXX XXXX XXXX ( current creditor of your original Synchrony Bank ( PayPal Smart Connect ) account ). 

Basically I was harassed and told to pay my debt from a third party company, which I was not notified in any way that my debt went to collections and this all happened during the pandemic, therefore It was more difficult and disappointing. My score went down drastically and it hurt me financially because It was hard for me to qualify for more credit. Lenders see me risky and difficult to apply for anything.

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 2022-09-01
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
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:
I reviewed my report and saw so inquiries that I had not authorized. They are not mine and need to be deleted. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Spring Oaks Capital, LLC
State: TX
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:
since the beginning of XXXX of 2022 I sent correspondence every month asking for this company to validate this debt by sending the original agreement and a audit trail of all interactions with this company. I understand that this is my right as a consumer to request this information and if it is not sent to me i have the right to request this account be completely removed. The company continues to send automated correspondence of them acknowledging that they received my request as if my info is being read from a computer not a person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct and update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX  # XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX OF XXXX XX/XX/2021 XXXX FOR XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX AUTO XX/XX/2021 XXXX XX/XX/2021

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 2019-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT FROM XXXX, TRANSUNION, 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 2018-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Transunion failed to send me evidence of the accounts in question.. XXXX XXXX ( MULTIPLE ENTRIES ON MY CREDIT REPORT ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX  XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX A ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX  ) XXXX, and 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 2022-09-01
Company: EQUIFAX, 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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THAT I WAS NOT LATE ON THIS XXXX & EQUIFAX HAS IT INCORRECTLY REPORTED IN MY CREDIT REPORT. 
You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " CORRECT '' THIS ACCOUNT. 
XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
A Bank of America settlement check from XXXX was issued to me in the amount of {$1900.00} XX/XX/2021. I went into Bank of America and requested to cash the check and make a deposit into my account on XX/XX/2021, and the teller made the mistake of crediting the check to my account which had a negative balance at the time of my intended deposit. The branch manager XXXX XXXX had authorized the teller to do a counter credit for her error, and correctly cash the check as I intended and instructed me to deposit the cash in the ATM for funds to be available immediately. On XX/XX/2021 my account was charged a {$12.00} return charge fee, along with returning the full amount of the check of {$1900.00} stating the check was fraudulent leaving my account with a negative balance of - {$1100.00}. 

I spoke with the XXXX adjuster who issued the check, XXXX XXXX, and he assured me funds were good and the system shows the check has been cashed. On XX/XX/2021 I went back to the branch I cashed the check at and spoke with branch manager XXXX, he then called Bank of America specialist who could fix the mistake in its entirety. Said funds for the full check amount would be back in my account within XXXX business days, Tuesday XX/XX/2021 at the latest and apologized for the grave mistake. 

It is Tuesday XX/XX/2021. I have not received my money and I have been unable to get a hold of the branch manager who assured me the mistake would be taken care of.

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 2022-09-01
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation