BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account with Chase Bank on XX/XX/2023 and deposited two ( 2 ) payroll checks from my current employer on XX/XX/2023. A couple days later I tried to access my checking account, but it was closed and funds taken by Chase Bank. The 2 payroll checks were the ONLY transactions/deposits I ever made with that account. 

I called Chase Bank and their representative informed me that they did not have any information to provide other than that my account was being " investigated '', and that they were under no obligation to offer any further explanation. 

I have visited my local Chase Bank branch on XXXX XXXX. in XXXX, Virginia and spoken with the branch Manager ( XXXX XXXX XXXX as well as other representatives, and offered evidence of my payroll stubs or have them verify me through ccc.verify.com. The only resolution they have offered is to have someone verify that the money was given to me from a verified phone number ( in their system ). 

I subsequently made an appointment, physically provided XXXX XXXX and XXXX phone numbers for verification. The branch rejected the telephone numbers I provided because the number belongs to XXXX XXXX rather than XXXX. I explained that XXXX is a corporation under XXXX, but I was told they cant release it. 

Lastly, the Chase Bank Fraud Department somehow found the CEOs phone number and said the system verified it. They contacted the CEO about my situation without my knowledge, and when she responded that she wasnt aware they told me they werent going to release it. How would the CEO of a multi-billion dollar corporation be aware of the banking predicament of XXXX of thousands of employees? 

Any help you can provide is greatly appreciated this is XXXX hours I worked that I never got the money for. I am a XXXX old, full-time XXXX  XXXX, whose ONLY means of paying rent is my job. Chase Bank is attempting to steal my money and I have no way to fight them. I am now aware that there are many other people who have had, and are having, similar experiences with Chase Bank. 

I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As per the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the approved Metro 2 data file reporting standard, I possess the authority to contest any inaccurate information found on my credit report. Before being made available for use by creditors, all information contained in a consumer 's file must be appropriately documented and verified. I therefore consider this to be a severe issue. I'm resolved to fight back with all of my strength because the accusations of delinquency and negative information about me are completely untrue. I won't tolerate any false information being connected to my name or financial background! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Collection {$500.00} XXXX XXXX Collection {$500.00} XXXX XXXX Charge-off {$1300.00} XXXX XXXX Charge-off {$9200.00}

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 explanation
Consumer complaint received 2023-05-02
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:
I as a consumer have the right to privacy and Experian has violated my right to privacy by furnishing private credit information under my name without my written consent or without authorization by a competent court having jurisdiction. Experian was sent my proof of identity, identity theft report, and identification and a statement of what the law requires. They are required to black and delete these accounts within four business days of receiving my notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: EQUIFAX, 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 appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made an in person deposit of a check from another financial institution I do business XXXX XXXX XXXX XXXX ) with at a local XXXX, XXXX  XXXX location of Bank of America on XX/XX/23. I did so in person to ensure I understood what ( if any ) holds would be placed on my deposit. 

At the time the deposit was made, I was provided assurances from the teller, on my deposit receipt, and upon consulting the mobile app that my funds would be available to cover debits the next business day, on XX/XX/23. Despite these assurances, a secondary hold was placed on my deposited funds and I have been told they now will not be available as promised. 

While I understand that there was the possibility of the funds being held prior to making the deposit, once assurances were conveyed to me in writing, the financial institution is obligated to adhere to making funds available. 

I have confirmed that the funds have cleared and posted from my account at my other financial institution at that they are now in Bank of Americas possession. 

This unwillingness to provide me access to my funds is in violation of their deposit agreement, their terms and conditions, and is tantamount to fraudulent business practices. 

Copies of the receipt, their deposit hold FAQ from their website, a screenshot of the transaction being held, and proof funds have cleared my other financial institution are attached herein.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: MO
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 

Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX  Balance : {$500.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX  Balance : {$500.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX  Balance : {$500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I knew I have paid off all credit balance with comenity bank since XXXX. Then recently in XXXX  when I decided to look for apartments it popped up that I am owing us {$270.00}. After enquiries from XXXX  they said that I was owing comnety bank us {$1.00} and they have charged me late payment, which has accumulated my bill to XXXX. I believe this is not true and they never contacted me and I have never changed my address and phone contact.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-04
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I made a Cash App transaction yesterday for {$110.00} to my son. I tried to pay some bills this morning not thinking much of it because I shouldve had over {$400.00} in my account which even that is not a lot other words I dont have a lot of money, so I log into my bank account and the transaction of {$110.00} went through three times I went into my Cash App and the transaction is only there once so I spoke to Cash App customer service asked to speak to a supervisor numerous times after about four hours of going back-and-forth they are unable to help me because Only one transaction for {$110.00} is in my activity. However I contacted my bank and my bank said the cash app definitely charged me three times which I can see in my transaction history and they said that Cash App had the ability to refund that I could dispute it, but who knows how long that will take, and, my son never received three payments either so there is {$220.00} floating in the air somewhere. I have late fees on my bills now I couldnt pay today. I have no gas in my car and I needed groceries. I am very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Penn Credit Corporation
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice from Penn Credit about a debt from XXXX XXXX that doesnt belong to me. The notice stated if I wanted to file a dispute I had until XX/XX/XXXX to do so. It also stated I could file my dispute online using their email form to complete which I did on XX/XX/XXXX more than enough time from the XX/XX/XXXX deadline to file a dispute and that more information on validating the debt would be sent to me after the filing of my complaint therefore this collection shouldnt be listed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to request the removal of certain fraudulent accounts that are currently present on my credit report. I have identified these accounts as fraudulent, and I kindly request that you investigate the matter and take appropriate action to remove them from my credit history. 
Account Information : XXXX XXXX XXXX Furthermore, I would appreciate your prompt response to this matter, acknowledging the receipt of this letter and providing an estimated timeframe for the completion of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Driveway Finance Corporation
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2 states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to FCRA and US Codes, Congress passed a law with FCRA, allowing permanent removal of any collection older than 2 years, and affecting your credit score. This includes student loans, late payments, credit cards, and so on. My student loan ( s ) were placed on my credit profile without my consent, and a violation of privacy rights. In truth, it has affected me in numerous ways with extra deposits, higher interests, and additional costs. Enduring these results has taken a great impact on living expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I never signed a contract with Dividend which means my signature was forged. 
The sales rep through XXXX XXXX lied to us and said that in order for the solar panels to run efficiently we would need XXXX of our big oak trees to be cut down ( XXXX XXXX was supposed to pay for the trees to get cut down ). They never cut our trees down. We called them almost every week and would get the same response " XXXX XXXX is still working to find a contracting tree company, we were never able to speak with a supervisor either when we requested it. The sales rep said our bill between XXXX and our electric company would be no more than {$300.00} a month. Some months were paying over {$700.00} a month ( no cost savings whatsoever ). They never cut our trees down. 
My parents ended up paying to have our trees cut down which cost over {$7000.00} to do. 
Panels were placed on our roof approximately XX/XX/XXXX but were not act/ive until XX/XX/XXXX. Dividend XXXX auto-debited my account on XX/XX/XXXX without the panels being active. I spoke with XXXX XXXX and they paid the monthly solar bill of {$180.00} to Dividend up until XX/XX/XXXX. 
We were lied to from the beginning and our bills have yet to be under {$300.00} between Dividend and our electric company even with our trees being recently cut down XX/XX/XXXX. 
XXXX XXXX also advised we would get a 30 % tax credit so not sure if we will even get that when we file our taxes next year. With that being said, our Dividend payment jumped from {$180.00} now to {$250.00} effective XX/XX/XXXX. 

XXXX XXXX has now furloughed all their employees and closed their days as of XX/XX/XXXX. 
Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
My bankruptcy record that Lexis Nexis hold Has another name, not belonging to me or my wife. The name XXXX XXXX XXXX does not belong to me or my wife on the joint bankruptcy I am only disputing the inaccurate information of having another name that does not belong to me XXXX XXXX or my wife XXXX XXXX. I asked that the files to be removed for having an accuracy not because its not belong to me. Under the fair credit act law if a file hold accurate information such as our names it must me removed!

Company response to consumer: Closed with non-monetary relief