BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-07
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I need to travel from XXXX XXXX to XXXX  in order to try to recover a safe deposit box from my great grandfather that was deposited a safe security box in XXXX XXXX XXXX around 1920, boxes that sometime after were acquired by XXXX ( XXXX XXXX XXXX  ). 
I would like to be sure regarding in which Branch of New York area of XXXX is the Box in order to go directly and assure the existence of the box, in order my travel be profitability, I have been writing repeatability to the safe deposit boxes area of XXXX but unfortunately I did not receive any response, I am attaching these communications, so I am asking for your help in order to obtain the name of the Branch where are the box that my Great grandfather lend us in the last Century. 
According with the control of those years ( around 1920 ) the banks had different controls and I have the proves agreed between XXXX XXXX XXXX and XXXX XXXX cited in the instructions to collect the things lend in this safe security box, below I am citing some of the background regarding this saved things. 

Hereby I give you my broad power of attorney, and quite fulfilled, for me and to act in my name, to collect from the person in charge Mr. XXXX XXXX, the Ranch of my property called XXXX XXXX, located at XXXX, Texas, also collect a house and 4 vacant lots, located in front of XXXX XXXX Hotel from the town of XXXX XXXX, XXXX, that have been rented that house and vacant lots to the American citizen Mr. XXXX , with its corresponding furnitures. Collect from the XXXX XXXX XXXX, property titles of both properties. This delivering of documents will be made by the Bank at the moment of exhibition of this proxy attached with 3 photographs of me and the Ranch. 
And also to answer the claims and counterclaims against my behalf, opposes delaying and preventory exceptions, present all kind of proves, certificate signatures and documents, oppose to argues as false to those be presented as contrary, present witnesses, see protest to the contrary, ask and cross out, structure and solve positions, recuse higher or lower Attorneys for cause or under penalty of Law, hear interlocutory and final sentence, consent of the favorable and ask for revocation for otherwise empire, appeal, supplicate or interpose resource of cassation of the rivals, ask for clarification of sentences, execute, impound and represent me in the impounds declared against my person, ask for the auction of the assets seized, design proficient and recuse to the opposite part, attend to the auctions, develop this trial, receive securities and lend receipts and credit letters, submit the present trial to the judgment of the Judges, and also, to promote all kind of sues or plaint with the aim to favor my rights, endorsing since now all what you do regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am reviewing my credit report and it shows a collection agency that I do not owe. The creditor is XXXX XXXX, Open date X/XX/17 for {$1700.00}. I received phone calls probably a year ago which would correspond with this date that I owed a balance with an old credit card. I verified the account they were speaking of and told them that I had in fact paid this debt off and they wanted me to send them proof because they did n't have proof. I did not feel comfortable doing so and the phone calls stopped. Now I am noticing this on my credit score.

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 2019-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
Please refer to attached document. 

XXXX ( XXXX XXXX XXXXXXXX ) failed to disclose a {$49.00} fee when I made a reservation online and only disclosed " FLEXIBLE CANCELABLE. '' When I subsequently decided to change plans and cancel only then they disclosed the {$49.00} fee. They refused to refund the fee. This is a violation of federal requirement of requiring full disclosure ( 1001.1101 Failure to disclose certain information. ) I then disputed this to Capital One ( https : //www.capitalone.com ), the credit card which I used for payment. They ignored my claim of XXXX full disclosure violations 1001.1101, and  insisted that I contact the merchant for the {$49.00} and declaring the dispute closed!!!! 

I then sent them the attached letter fully describing the situation and explaining that my dispute is now completely with Capital One for failing to represent my SPECIFIC claims properly to the merchant for response and resolution and for failing in enforcing my federal credit rights. 

I cut up my credit card and enclosed it in the envelop with the XX/XX/2018 letter and describing that I am leaving the {$49.00} charge unpaid because of Capital One illegal actions. 

ALL subsequent Capital One communications with me have been over the {$49.00}, adding late fees, interest and penalties and have sent the dispute now to collections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There seems to be inaccurate, unverified accounts on my credit report. I simply requested some proof of verification of these accounts. Not only did I not receive any proof, I was told that I did not submit enough information about my dispute. I was told that I did not state my reason. In my letters, I am specifically stating the reasons why and simply requested to obtain the documentation that the bureaus should have on file. I know that the accounts are inaccurate and unverified. I also did not receive a timely response within 30 days. I never received the documentation that I initially requested. This is also the second letter that I have sent out and it has been 30 days without a response. All documentation you may need to verify my identity is attached to this complaint and I fully authorize these disputes. Please keep in mind investigations are not supposed to take longer than 30 calendar days, not 45, not 60. Please abide by the law. 

-bank statement -official photo of my id -official photo of my social security card Please do not respond back to this saying you can not move forward with my dispute because of lack of information needed to verify my identity. You have everything you need.

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 2022-01-18
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to you to address the need for urgent medical care that I just recently incurred. I was under the impression, after my visit and multiple calls to the hospital that I had satisfied all my outstanding balances for 2021. 
After being harassed for months about a couple of medical bills that I assumed that I had already taken care of and coming to the realization that maybe these bills were from a different occurrence, based on the dates I was told over the phone, I was informed that I had a balance of approximately $ XXXX {$800.00}. 
After confirming the balance and after weeks of hard work to come up with the funds to pay my bill, I called to pay my balance in full and was now informed that the bill is now a total of {$1600.00} plus I was informed that they had opened two more new accounts based on two " new '' medical room visits, which I have no recollection of occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX, Chase customer places in US Mailbox in Texas a check for {$100.00} made payable to relative in Illinois. 

On XXXX, Chase Bank receives for deposit, by way of a Chase Mobile Deposit App, a Chase Drawers check which Drawer subsequently learns had been stolen from the US Postal Mail Box, and obviously materially altered date, name of payee and amount from {$100.00} to {$4500.00}. In spite of fact that materially altered check is not properly payable under Uniform Commercial Code 4-401, and EFTA and Regulation E, on same date, XXXX, Chase charges Drawers account {$4500.00}, resulting in overdraft of ( {$1000.00} ), charges Drawer 's account overdraft fee of {$34.00}, and notifies Drawer by e-mail of overdraft. 

On XXXX, less than 24 hours after Chase accepts materially altered check, in response to overdraft email notice, Drawer reviews his account, realizes fraud and immediately notifies ( XXXX on XXXX ) Chases customer service and fraud divisions of altered check, and makes claim and request for Drawers account be credited the wrongly charged {$4500.00}. Chase subsequently refuses payment on Drawer 's outstanding checks. Now, XXXX, 20 days later, Chase still has not credited Drawer 's account the wrongly charged {$4500.00}. 

Issue : How long a period of time does Chase have to credit its Drawer/Customers account the wrongly charged and not properly paid {$4500.00}?????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
IN XXXX 2017 I FILED A DISPUTE WITH THE 3 CREDIT REPORTING AGENCIES REGARDING AN ERROR ON A XXXX XXXX XXXX PAYMENT STATUS. I RECEIVED A NOTIFICATION YESTERDAY FROM XXXX THAT AS A RESULT OF MY DISPUTE THE ENTIRE ACCOUNT HAS BEEN REMOVED FROM MY CREDIT FILE. THE ACCOUNT IS OPEN, IN GOOD STANDING AND HAS A BALANCE OF OVER $ 30K. I DONT KNOW HOW MY DISPUTING A LATE PAYMENT STATUS WOULD RESULT IN THIS ACCOUNT BEING REMOVED FROM MY CREDIT REPORT. EACH TIME I TRY TO DISPUTE THIS ITEM, IT HAS IMPACTED MY CREDIT SCORE NEGATIVELY. THE PREVIOUS DISPUTE DROPPED MY CREDIT SCORE BY 48 POINTS, AS THE ONLY CHANGES AT THAT TIME WERE THAT I PAID ANOTHER ACCT IN FULL AND MY CREDIT LIMIT WAS RAISED BY ANOTHER CREDITOR.

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 2017-07-28
Company: First Data Corporation
State: TN
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:
My late father was my emergency contact. He is now deceased, his name is XXXX XXXX. His social security number is XXXX. XXXX XXXX once lived with my late father. XXXX XXXX stole my drivers license, with the help of XXXX XXXX. My home was broken into in XX/XX/XXXX, this is the year I learned I was a victim of identity theft. I 've been retaliated against every since. The FBI told me it 's an inside job. My check books was stolen from the home, lab tops, mother board after my computer was hacked into and all of my files was taken. My date of birth have been changed with all three credit agencies. All of my former employers have been changed with all three credit agencies. All of my former addresses have been changed with all three credit agencies. XXXX XXXX and the entire XXXX XXXX is involved with organized crime and they need to be stopped. I began using my maiden name before I knew it was my entire family members. XXXX XXXX XXXX XXXX have also been abusing my identity. They violated my protection under the wage earner courts. They 've gotten property in my name while I was under wage earner, cars, bank cards, etc. I filed a XXXX XXXX law sue in XX/XX/XXXX. My XXXX was prepared by both parties without my knowledge. The case number is XXXX. Honorable XXXX XXXX was the Judge over the case. I have a few check numbers. I also have checking account numbers. XXXX XXXX XXXX. Check numbers XXXX - $ XXXX- $ XXXX $ XXXX $ XXXX,XXXX- $ XXXX {$30.00}. XXXX XXXX XXXX XXXX XXXX account number XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ein number is XXXX. I was employed with the company twenty-two years. From XX/XX/XXXX-XX/XX/XXXX. Please see my drivers license with my name XXXX XXXX XXXX. There maybe accounts set up with new banks that I am not aware of. I no longer have a account any where. I do n't have an income, because of the theft of my identity. I ca n't get XXXX from social security. Anything I apply for using my social security number it 's taken from me. Health care insurance, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XXXX I co signed for an apartment with a friend. At the time I lived in North Carolina & he lived in Florida at the XXXX at XXXX XXXX XXXX in XXXX, Florida. In XXXX of XX/XX/XXXXafter his graduation, he moved out the apartment. I was not contacted of any debt owed. Months went by and I was never contacted via email, mail, or phone. On XX/XX/XXXX, the apartment contacted me & told me if I did not pay them almost {$1700.00} that day, they would send it to collections. I told them I just had a new born baby and was out on unpaid leave & would be unable to pay. I also stated the fact that I was never contacted and asked why did they wait 10 months to contact me concerning the money owed. I received no response to my question and was told they would be sending me to collections & hung up. Within a month I received calls multiple times a day from a number I did not recognize. One day I decided to answer the call. A gentleman from National Credit Systems call about this debt. I explained the situation to him. He told me I had until XX/XX/XXXX to make some type of arrangement in order to not place the debt on my credit. He said if I made a payment arrangement, they would not report the debt. Even after this conversation, the company still continued to call numerous times a day. On XX/XX/XXXX my financial advisor called on my behalf. After speaking on a recorded line, the representative said that the debt would not report to my credit due to new law changes. As of XX/XX/XXXX National Credit Systems has placed this collection amongst all 3 credit bureaus. Upon further investigation, the State of North Carolina requires collection agencies to be licensed and/or registered with the Secretary of State. National Credit Systems is currently under a REVOKED status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: DISCOVER BANK
State: AZ
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:
About 5 days ago I received a email from XXXX who said Discover Card was insisting on my signature for permission to obtain my tax records thru XXXX process. Without any warning they also suspended my line of credit until I allowed them to get my tax returns from prior years, not even current income information??? I was in the middle of a vacation and on the road which caused me great stress and thankfully I had other means for deposits, gas etc.. or I would have been stranded. I have had this card for several years and the tactics they used to get this information seemed like a scam doing this by email!!!! This should not be allowed. We are told all the time not to provide our private information in this manner to anyone. This was not even my Credit Card Company ( Discover ), this was directly from XXXX asking me on behalf of Discover???? 

I returned from vacation today XXXX and called Discover and asked they retract this request as it is not required from every customer nor was the manner in which they were trying to get information thru a third party seemed like a scam!!! I also told them there way of trying to force people who are already customers of suspending their lines of credit without notice was also a threat of you have to give me this information or else which is not right!! This tactic caused me harm of having to close my account with Discover which will affect my credit score in a negative way and I think is completely unfair that a credit card company can pick and choose who they require this information from and not all customers are treated the same. Again, they are not even asking for current information, past information!!!. 

Research on the internet re this subject I see Discover is doing alot of this and there are many complaints. 

Thank You for your time in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
As of XX/XX/2019 Experian has continually failed to properly update information regarding a previous mortgage account. 

In regards a complaint handled by CFPB the mortgage company had made errors regarding reporting date of first Delinquency. 
The mortgage company corrected the error and issue was resolved through CFPB complaint number XXXX Unfortunately, even after receiving the information related to this complaint and subsequent update and letter from the mortgage company. Experian has failed to properly update this record after again being disputed through their dispute process

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 2022-01-18
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX Received a letter stating that my account was inactive and all funds would be sent to the state ( escheatment ) Called Wells Fargo re : letter and asked to close the CD and return funds, was told that I needed to send notarized form to them, Form was sent as instructed certified mail on XX/XX/XXXX Nothing returned, called again XX/XX/XXXX talked with XXXX at XXXX, he stated that his supervisor was busy, but they would get look up the form and get the check sent out Nothing done, life was busy .... 
Called XX/XX/XXXX, talked to XXXX who stated that I needed to call back in 3 business days and they would have the information to close the account, Called XX/XX/XXXX talked to XXXX, who stated that I could close the account by going on-line at wellsfargo.com and fill out the information, Looked on-line under my account, this is untrue, there is no way on-line to close the account, calling back but am very frustrated that they will not return my money. I realize that my CD is not due, but I will forfeit the little amount of interest to get my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i have noticed several inquiries on my credit report which was not authorized be 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 2021-09-14
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:
I have contacted the credit bureaus as well as XXXX  XXXX XXXX to remove this fraudulent closed account that was opened under my name and with my information. I disputed many times and no results. I kindly ask for the removal of this account from all my credit bureaus and my history. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: WI
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:
score after trying to have things off credit report requested old address information be removed from my credit report and I ended up losing XXXX pts. And suspiciously my info ws compromised on the dark web at th same time my inestigations were closed I dont feel they asked for more information. never gave me specific details of te typ of info you provide them.THis was a waste of my time and severely harmed my credit score

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 2021-09-14
Company: Experian Information Solutions Inc.
State: MS
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 paid XXXX XXXX off. Its showing paid off on my credit but they wont remove it

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