BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-08
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have banked with chase for a very long time now and never had a fraud problem every. Im a XX/XX/XXXX XX/XX/XXXXr who had a bad time due to catchingXX/XX/XXXXXXXX I applied for a XXXX loan and was approved on XX/XX/2020. I then used money and was back in scape and better health to get my business running again. I lost my debit card the end of XXXX so I went into branch to deposit some money on XX/XX/2020 I was profiled by the telling seeing the amount of money in my account and I wasnt up to part that day. Without my knowing chase closed my account and took 19,000 from me stating I accepted the loan in a personal account instead of a business account.It was not a requirement to put it in a business account. And I also explained to them I was profiled because I had the loan over a month now and once I went into the branch my account got frozen I also spend have of the money putting into my XX/XX/XXXXand chase added my money I walked in or was direct deposited into my account in total of the loan amount and took that as well. They ask me to provide documents from taxes which I did and they told me a 1099 was good enough. Once again I explained to them Im a small business owner who applied threw my social security so I dont have a EIN. Nothing I have provided is good for them to release my money it has been over a month they took my money and now Im back in the struggling stage. I also called asked them to send it back to the lender which is XXXX and I was denied that as well I was told the money will be with chase for 2 years then released to me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX, I was approved for a XXXX XXXX XXXX XXXX XXXX and gladly accepted. I was told by the store associates that I would receive a coupon magazine and my card within the month. It is now XXXX and Ive yet to receive my credit card from them. I made a late payment on XXXX XXXX, XXXX, and was told by the customer service representative that my card would be in the mail. Sometime in XXXX, I made a purchase in the store and the clerk was able to use my social security number to process my payment through the credit card company. I informed her Id never received my card so she called customer service. They, again, said my new card and vouchers would be sent out and I should receive it by the end of XXXX. I have not received my credit card, attempted multiple times to contact them so my card could be sent, and each time Ive been told it will arrive. It never does. On the card includes a number to call to make a payment. Since I dont have that number, Im forced to wait until my bill comes in the mail and interest has accrued even though I want to pay it off before then. Oddly enough, they have the correct email, phone number, and address since I do get a bill, but they cant seem to send me my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: ERC
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:
Incorrect information reported as a new debt on my credit report. This account was charged off & disputed as incorrect original creditor provided a prepaid service & charges should not have been there. Enhanced Recovery Company is reporting this as a new debt as of XXXX of 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am running for XXXX XXXX. 
I use the open source software called XXXX to collect federally required donor data- and to manage my communications with my donors. 
I have used this software since before XXXX and had the same account with Paypal to process donations and the process works flawlessly, reporting the donation, referring to paypal as the trusted processor- giving the donor the choice of using their own paypal account or a XXXX  or Debit card, transferring the donation amount to the paypal portal- then cycling back to the software about the transaction completion- including the fee amount. 
Paypal then has the money- and IS HOLDING IT- saying I don't have a reputation as seller of goods and service with proper shipping etc- I told them, I've had the account since XXXX and have used it everytime I've run for both local and federal office- and it's always released funds. 
They are illegally holding my funds- and stopping me from fundraising or campaigning. 
They claim their fraud protection AI is the cause- and they can't fix it. 
In the meantime- I believe they are illegally withholding political donations. 
I've trusted Paypal for a long time as a good payment processor- I will no longer recommend them to any of my clients ( I run an ad agency that builds websites for small businesses ). 
Currently, they are holding {$340.00} XXXX collected {$1000.00} without even trying- and they allowed me to transfer out {$800.00} I've delayed sending out a fundraising solicitation for XXXX weeks while I've been given erroneous information from their tech support people on how I have to somehow use their portal- or change my donation page to them exclusively. 
Neither of which is true. 
Their support sucks. 
And, according to their records my account is properly labeled as a political campaign - even though I can't find that info in their portal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX XXXX finance had violated my right this account is NOT mine. 

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 2017-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2017-10-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX a Presentment under notary seal of dispute and verify the alleged debt was sent to XXXX XXXX XXXX XXXX XXXX XXXX CFO XXXX XXXX. XX/XX/XXXX a Notary Certificate of Dishonor and Non-Response was sent. XXXX XXXX XXXX XXXX continued to send collection notices for this debt that they would not validate under the THE FAIR DEBT COLLECTIONS PRACTICES ACT, FAIR CREDIT REPORTING ACT, 15 USC 1692G AND TRUTH IN LENDING ACT. On XX/XX/XXXX XXXX XXXX XXXX XXXX accepted a permanent loan modification fully satisfying the alleged debt. Money Order # XXXX was accepted and applied to alleged debt on XX/XX/XXXX having the Contract statement written in a conspicuous place : Full Satisfaction of all Claims. The terms of the contract are clear according to XX/XX/XXXX Maryland Code COMMERCIAL LAW 3-311 & UCC 3-311. The alleged debt has not been discharged according to law. XXXX XXXX XXXX XXXX is now threatening foreclosure by way of the UNITED STATED POST OFFICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, 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 report act XXXX XXXX XXXX XXXX Account number 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: HW Holding, Inc
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I communicated w/this collection agency via general company email and to specific agent in the company by cease and desist letter on XX/XX/2019. This is an alleged billing from a former apartment complex and is not a legitimate indebtedness.

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 2017-10-01
Company: Mutual Management Services LLC
State: TN
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 contacted this company on numerous occasion about this problem!! I am not responsible for this collection account! This account was open fraudulently with my personal information and identification. I 've sent in the police report and affidavits that they requested!! This same account was with another collection company and it was removed from my credit!! And now this account is back on my credit with different collection agency!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a refund from a merchant ( XXXX ) for {$180.00} The credit card account that the money went into was a closed account.I called Capital One and they said there was a restriction on that account and wanted me to send a copy of my driver license which I refused to do, the account was closed for that reason they said there was a problem with the account but would not tell me what the problem was so I said just close the account. 
I am out XXXX and Capital One will not do anything for me The last four # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a dispute to Transunion, XXXX and XXXX that they are reporting incomplete credit information on on account with XXXX XXXX XXXXXXXX. I demanded that the account be verified and it has been over 30 days since dispute letter has been sent out asking for completion of this inaccurate reporting. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information Is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-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 2022-04-26
Company: CL Holdings LLC
State: IL
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:
On XX/XX/2021, I was reviewing my credit report and to my surprise I noticed Jefferson Capital Systems , LLC reporting a charge- off account on my credit file in the amount of {$2500.00}. So, I wrote the debt collector Jefferson Capital Systems , LLC a letter asking this company to validate the debt they are saying I owe their company on my behalf. The collector failed to validate the debt under 15 U.S. Code 1692 ( g ) Section 809 ( b ).

The collector failed to provide a valid basis for the debt, such as the original contract/agreement, promissory note between Consumer and original creditor, bearing Consumer wet-ink signature. 
The Collector failed to provide me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor authorizing your firm to engage in collection activities on their behalf against the above -alleged account. The Collector failed to provide an affidavit signed under XXXX XXXX XXXX that Collector or any agent ( XXXX ) acting on their behalf has not violated any portion of the Fair Debt Collection Practice Act. 
Jefferson Capital Systems has been harassing me, committing mail fraud and identity theft for using my identifying information on behalf of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: CA
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 these accounts below have violated my rights. 

Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX 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 2020-09-24
Company: EQUIFAX, INC.
State: MA
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:
Through each Credit Bureau i had submitted a dispute for a Closed account that continues to be reported as accurate but it is not accurate due to the fact that account should not be reported anymore. Car loan with XXXX XXXX was opened in XX/XX/XXXX paid off and closed in XX/XX/XXXX. There were delinquencies on this account and it does not reflect the date of first delinquency and are re-aging the account with the date last reported. In which now reflects date last reported XXXX in the Equifax Report and i never received notice of the results of dispute. I have even taken upon myself the duty of calling the XXXX XXXX XXXX in Puerto Rico were i had the loan and opened a claim to verify why the loan is still being reported on credit report, the bank auto loan customer service agent while filing the claim did confirm that the loan does not come up in their system and when it does not reflect it does not have anything to report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
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: Information belongs to someone else

Complaint:
Good Day, I have a collections account on my profile that should not be there. I contacted the company many times trying to resolve and get the collection removed but to no avail so i'm reaching out to CFPB in hopes that this can be resolved quickly as it is causing major issues for my mortgage loan. I have a short window to get this resolved before the bank makes the final decision and my family is depending on me to provide. XXXX XXXX I, XXXX claims i owe {XXXX and that is incorrect! Collection opened XX/XX/2018. 

Thank you in advance for clearing this up so that my family and I can get the mortgage loan needed to provide a safer environment for our children.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
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: Public record information inaccurate

Complaint:
ALL " CRA '' REPORTING ERRORS OF INCORRECT " PACER '' DATA / NOT MY ACCOUNT " PUBLIC RECORD/ BANKRUPTCY CH XXXX '', PUBLIC RECORDS OUTDATED REPORTING PAST 10YRS AND UNAUTHORIZED INQUIRIES WITHOUT MY CONSENT TO REVIEW CREDIT FILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
There is one " 30 day past due '' remark on my XXXX account. It has come off and gone back on my credit reports. I want this immediately and permanently removed. I have sent copies showing credit updates showing " before '' and " after '' where it had been removed. See attached reports from XXXX  and Transunion showing " previous '' with 30 days past due and then " current '' showing it removed.

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 2022-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I want my credit score reflecting on my bank account

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 2022-04-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-01
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: Their investigation did not fix an error on your report

Complaint:
i had medical bills sent directly to collections and reported on all three reporting agencies. Not only did i dispute with the collections agency, they refused to acknowledge the illegality of sending a XXXX insured a bill, let alone report derogatory remarks to credit reporting agencies. They refused to identify the provider so XXXX can file a formal complaint. The hospital had no information. 
My dispute with XXXX and XXXX resulted in the deletion of the derogatory marks, and classified it as fraudulent charges unsubstantiated by the collection agency. 
My dispute with Experian was denied. The collection was determined valid, and updated immediately. 
Inconceivable. And they want documents if i can demonstrate the accuracy of my dispute! I do n't have documents. I never received a bill, i do n't know the practice or physician. There are 2 separate derogatory marks, submitted to collection on the same day i went to urgent care. 
The balance billing of a XXXX insured is illegal, and i have no evidence besides the hospital invoice showing it is satisfied. 
State and Federal want to investigate the provider for prohibited practices. I was refused this information or a bill from the agency. 
Its incomprehensible that Experian refused to remove fraudulent remarks affecting my credit, especially with my formal dispute notate in the remarks by the collection agency. It was seamless to rectify with the other two agencies. 
i am a victim, who ca n't file a complaint against the provider who fraudulently billed me, and further victimized by Experians bad faith conduct and violation of my consumer rights. 
it 's appalling that this was validated and reported on my permanent record. I had to dispute the fraudulent remarks. Now, i 'm further victimized by Experian to validate the inauthenticity.. why? 
What can i do? The other two credit reporting agencies responded quickly and acknowledged fraud. What information did Experian obtain to validate an illegal collection. 
And I still need an actual bill. Are n't there collection regulations prohibiting a person from reporting to credit agencies directly, without sending bills? 
i need Experian to explain their investigation and determination of validity. 
i need a bill for these alleged charges, which XXXX required me to obtain because they want to formally investigate and fine the practitioner for prohibited billing practices and fraud

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