BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-14
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 ( shown as XX/XX/XXXX on the online chase bank activities ), there were five unauthorized ACH transactions, total {$23000.00} were taken from my business checking account. They were all online fraud by hackers. I reported to Chase and asked for bank account protection prior to and during the transactions. Chase tried to block the transactions according to my request but failed. 

On XX/XX/XXXX, one of the five unauthorized ACH transactions ( {$4500.00} ) was credited back to my business checking account. The rest four transactions ( total {$18000.00} ) could not be reversed and credited back to my business checking account.

Chase created a claim for investigation of the ACH transactions since XX/XX/XXXX but denied to credit back the {$18000.00} with the statement " We found that the transactions you reported on XX/XX/XXXX were processed according to the information you provided was authorized, No adjustment will be made to your account ''. 

From XX/XX/XXXX to XX/XX/XXXX I made several phone calls to chase and had talked to the Chase representatives of fraud investigation and claim departments regarding the refunding the unblocked fraud ACH payments ( Total {$18000.00} ). The answer from the claim department is the claim was closed because the fraud couldnt be proved and those ACH payments could not be refunded to your account, bring the evidences to the local chase office for further investigation. 

I went to Chase local office in XXXX XXXX, Indiana, met the brachy manager XXXX XXXX and submitted documents including suspicious emails I received prior to the fraud transactions, the printout of the ACH transactions. XXXX helped to escalate reopening the claim investigation but Chase kept the previous conclusion and detailed that " They found that those ACH transactions were made on the device having same IP address that I used to access my chase bank account ''.

My complaint is that I provided the suspicious emails and made phone calls to Chase customer supporters asking for account protection before and during the fraudulent transactions. Chase had also successfully blocked one of the five transactions that happened at the same time. How can Chase conclude the other four transactions were authorized just because they can not find the transactions were made on the device with different IP address?

I demand Chase to credit the rest four unauthorized transactions ( total {$18000.00} ) back to my business checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
XXXX XXXX XXXX is currently reporting on my credit report payment status : in collection, charge-off with a balance of {$98.00} .Also they have listed remarks of " charged off as bad debt profit and loss write-off. However as of todays date this account has been paid in full. XXXX XXXX has been contacted previously about this and I have waited over 90 days and have yet to hear any response from this company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX is the address listed on my credit report to contact this company.

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 2017-12-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax is showing same bankruptcy on credit report twice file date was XX/XX/XXXX And discharge date was XX/XX/XXXX for the same bankruptcy. I have 4 open disputes with equifax I 've sent them faxes and uploads showing this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
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:
TransUnion had a glitch in credit inquiries. I had inquires removed and then they were re-added back to my credit report. The glitch is  TransUnions problem not mine. I also was never notified with written notification in 5 days which is my legal right before re-adding the inquiries that were already deleted. This has caused a hardship for me because I am unable to obtain any credit due the many inquires. See attac hed pic for all inquiries. I contacted TransUnion in good faith to ask them to delete the inquires they had illegally re-added. Can you assist me in TransUnion victimizing me.

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 2017-12-30
Company: Dovenmuehle Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage with which I had to make escrow payments with a different company. The mortgage was serviced through another provider, XXXX The new company paid the loan in full on XX/XX/XXXX. The company says they mailed me a refund check on XX/XX/XXXX. I spoke with someone through chat about not receiving the check at the beginning of XX/XX/XXXX The escrow refund was reissued on XX/XX/XXXX because I complained that I had not received the check ; my guess was they did n't include my condo 's Unit number and the check was sent back. I was told that was the correct reason and they would include the Unit number. I have not received the check that was originally issued or the check that was reissued.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: EQUIFAX, INC.
State: FL
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:
XX/XX/XXXX- I am a victim of identity theft thru a security breach at Equifax. I learned that my personal information was used to open an account at XXXX XXXX. I did not open or authorize this account, and I therefore requested XXXX XXXX to be used that it be closed immediately. I also filed a dispute with Equifax. 
XX/XX/XXXX - I received confirmation, reference number XXXX, from Equifax that the dispute has been completed. 
XX/XX/XXXX - I attempted to access the result on line per Equifax, I received an error message " The information you have provided does not match our records ; therefore we are unable to process your request online. Please try again later or contact us directly to check the status of your dispute ''. I was unsuccessful to reach a live representative at Equifax. I sent a follow up letter requesting Equifax to provide the result of the investigation and action taken per Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: LDF Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
It has come to my attention that payday loans are prohibited in my state ( California ). Therefore, the loan contract that I have with Amplify Funding, according to my state 's laws, is not enforceable. They are charging me 656.48 % Finance Charge for {$1200.00} Loan. I have emailed them and they have not yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The collection agency levied my bank account without any indication of a debt that was owed. I tried to contact them to get information and they indicated this was for a account from 2004 in which they confirmed that the address on file was not my address and that by any means tried to get a hold of me by searching my correct address or phone number. I was not aware of this debt, in addition there was no reflection of this debt showing on my credit report. This company didnt provide me with information to rectify the situation or to try and resolve this debt. Had I know of it I would have made ways for arrangement. For the past 15 years this company has not sent me any notice of debt or reported it to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent a certified letter to TransUnion to dispute unauthorized inquires on my account. As of today, XX/XX/2020 I have not received any correspondence from TransUnion of the results of the investigation.

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 2022-02-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Since XXXX of this year I 've asked all three credit bureaus to please provide verification of about 7 accounts on my credit report. I 've sent more than 4 different requests to provide this verification over the last few months but I get the response that they have been verified. what I 've been looking for is a signed contract with the creditor or application I signed for this credit but they just respond that they are verified. Frustrated because I do n't believe they are really verifying those accounts and they are not mine. they wo n't delete the accounts from the reports or send me the required verification seriously impacting my interests rates

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 2022-02-14
Company: Convergent Resources, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Convergent Outsourcing Inc and XXXX XXXXXXXX XXXX are trying to collect on a debt which I have had not account with XXXX XXXX for over 14 years The last account with XXXX was 15 years ago and the Statute of Limitation would have expired over a decade ago. 

I have .not procured any credit with XXXX XXXX and I demand that this frivolous activity cease immediately and any attempt to collect on a expired debt is highly damaging to my financial standing and wherewithal. 

I demand an immediate Cease and Desist from the above creditors. The accounts are XXXX and Convergent account # 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 2019-08-01
Company: CITIBANK, N.A.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
They continue to freeze items as fraud then texting me at XXXX XXXX to confirm its mine, which i'm obviously asleep and not responding during their time frame. I thought under the TCF you can't contact consumers at XXXX XXXX  in the morning. They've also frozen wires and stated they've tried to contact me, which they didn't in any form. So as retaliation the next freeze resulted in the XXXX XXXX text message.

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 2019-05-17
Company: U.S. BANCORP
State: AZ
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 did not authorize elan financial to pull my credit report on XX/XX/2019

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 2017-12-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Since XXXX of this year I 've asked all three credit bureaus to please provide verification of about 7 accounts on my credit report. I 've sent more than 4 different requests to provide this verification over the last few months but I get the response that they have been verified. what I 've been looking for is a signed contract with the creditor or application I signed for this credit but they just respond that they are verified. Frustrated because I do n't believe they are really verifying those accounts and they are not mine. they wo n't delete the accounts from the reports or send me the required verification seriously impacting my interests rates

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been attempting to work with XXXX XXXXl regarding an account reporting on my credit reports as a result of Identity Theft. I have submitted numerous disputes and inquiries with the creditor, as well as the corresponding credit bureaus regarding this matter and have been unable to resolve it. This was first reported to XXXX XXXX over 6 months ago. They always claim their is " insufficient evidence to support my request. '' I have attached their most recent correspondence as well as my notarized paperwork I have both faxed and mailed them in 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 2022-02-14
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I was not notified of a credit limit decrease before it happened. No advance adequate notice was given. The company substantially decreased my limit to point where the utilization on the card shot up to over 85 %. Which means this company is artificially manipulating my credit account, credit score, credit-worthiness, and credit report. This is done in order to drop my score to increase my rates and fees banks and other card issuers can charge. this is illegal and a violation of congressional law. This is " unauthorized use '' as defined under 15 USC 1602 ( p ). This is identity theft. They used my card to manipulate my balance and the interest they can charge, they are NOT the cardholder, they do NOT have actual, implied, or apparent authority for such use and from which I, the cardholder received no benefit. They provide a service for a fee, they are not the original creditor, I am, they are not my agent. I am my own agent. I, the cardholder, received no benefit. In fact, this unauthorized use is to my detriment, as it is causing XXXX XXXX, and significant damage to my reputation and credit score, credit-worthiness, and credit report. There have never been any issues with this account. Nothing in my account history with this card warrants such a decrease. The limit was decreased within a few days of receiving an on-time payment. 

There are no verified public records or collections on my report, which was one of the key factors the customer service representative told me that my limit was decreased. When speaking with the customer service representative I was not given a numerical credit score as defined in 15 USC 1681g ( f ) ( 2 ) ( A ), as this company took an adverse action against me based in whole or in part on any information they received in a consumer report. I did not authorize the inquiry that provided the report. The customer service representative told me XXXX furnished the report. I don't know how or why, when there are currently multiple accounts under dispute and under investigation ; they shouldn't be providing anyone with reports. Last month I tried to pull my own report through XXXX and could not pull XXXX because of disputes and investigations. So how is a card company able to pull my consumer report and I can not? Not only that, but then take an adverse action based on unverified 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 explanation
Consumer complaint received 2019-05-17
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ
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 did not authorize this prestige financial to pull my credit report. I have never heard of this company yet my report shows inquiries on XX/XX/XXXX and again on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: CITIBANK, N.A.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
The company is XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) I signup for the credit card that was told I would receive XXXX if I spent XXXX on XXXX service.This transaction was in XX/XX/2019. I have called the rebate and rewards program REFERENCE # XXXX and was told that it take a while to get verification from Citi Bank. I called Citibank @ XXXX. They had all my information of the purchased, however said that they had nothing to due with the rewards program. I also called XXXX XXXX XXXX XXXX and they told me the same thing.The rewards program is saying it will take time to get the XXXX debit reward and XXXX knows that they have a problem. Now, I can understand their are problems, however since XXXX. I feel we have a fraud problem..the other night XXXX XXXX ( Rewards Rep. ) hung up the phone on me.XXXX  should be aware of this problem soon. I have never had a problem like this before with any cards. The Ref # is XXXX ... XXXX ... I also called XXXX XXXX office @ XXXX and was told I must deal with rewards and rebate center. This is a problem and XXXX should be made aware of this story. Someone is stealing my reward/rebate.XXXX   XXXX XXXX should be told about this 3rd party that is holding up rebates.

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