BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was asked for a favor by XXXX roommates to deposit their checks into my bank account due to the fact that they had no Driver 's License. So upon depositing said I received a notice that the checks will be on a 10 day hold because they were suspicious of the checks ( which I understand ). So after the 10 days are up the check indeed cleared but then almost immediately I received an Email saying Chase was going to close my bank account. Unbelievable! But that's not even the worst part to make matters worst Chase tells me even though the checks cleared and I waited the 10 days there going to keep the funds that were deposited. I dont know if im mistaken but ai don't think that is legal. I contacted Chase multiple times and every time I was told there's nothing that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Paypal Holdings, Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
after three weeks bothe the original company and their biller have said that the money was returned, but other than 2 pmts that actually got back to my checking acct. they have sen the other 3 payments to a credit card that wasn't used in the transactions. the money was taken directly from my checking account by their biller, and never returned. i can't seem to get a straight answer from either of them. i do have an email saying the money would be put in the right acct., but nothing. they gave me transaction numbers of XXXX and XXXX the disputed amount is {$58.00}, and i can't find the money either in my checking acct. or in paypals acct.this is over three weeks and nothing. the paypal people, tag team the message people, so you have to keep repeating the same story over and over. i am a XXXX veteran and this extremely burdensome for me, that a company that said they would get my money back no problem would XXXX up so much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I applied for the removal of PMI and was rejected. My LTV is below 78 % and feel it should be removed, as long as payments are current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # 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 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 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I have been reaching out to the credit bureaus since XX/XX/2020 and still have not had any answers

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 2021-04-21
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Shellpoint has held my funds in a suspense account rather than applying to my account, which Ive learned is in violation of Consumer Financial Protection Bureau regulations. I made a good faith payment of {$66000.00} ( wire transfer XX/XX/XXXX ) in an effort to resolve final bill with Ditech/Shellpoint. 
Now my home is set to be scheduled for auction despite me paying the entire principal balance. 
I have been trying to resolve the final bill since late XXXX when my mother passed away and I knew the sale of her home was forthcoming and I would receive some of the proceeds so I could save my home. The bank has attempted to sell my home twice since then. Now the judge ordered my home to be auctioned so I will lose my home and my large sum payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Spoke with this company last week about setting up a payment arrangement online and asked them to stop calling! I received another call 4 days later and I told them to stop calling I verified everything and stated that I will set up a payment arrangement and they placed this debt on my credit report! Sent letter XX/XX/XXXX saying I had to respond mu XX/XX/XXXX which I did any they placed it on my credit report anyway!

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 2022-04-17
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit 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 ordered sweaters on XX/XX/XXXX. When I didn't receive them by XX/XX/XXXX, I emailed XXXX XXXX and was informed that the XXXX were delivered on XX/XX/XXXX. I check my front steps daily for mail and/or packages, since I do a lot of online ordering and the package was not there on or after XX/XX/XXXX. Perhaps it was stolen or delivered to the wrong address. Either way, they have provided no proof that the package was delivered, as there were no pictures of the package at my address and I did not receive a text or email that it was delivered. I was informed by Customer Support that I needed to fill out an affidavit proving non-receipt of the package, which I did and sent by US Mail to their Customer Relations Analyst in XXXX XXXX, TX. However, I did not realize that I should send it by registered mail so I would have proof that it was sent, because I have never been distrusted to the extent this company has gone. I then filed a dispute with their bank, Commenity Bank and did not hear from the bank until XX/XX/XXXX that my dispute was denied and that I owed the original {$79.00} plus any accumulated late fees. On XX/XX/XXXX, I emailed XXXX XXXX  Customer Support regarding the bank 's letter and was informed by XXXX and XXXX that my affidavit was never received and because so much time had elapsed, the sale was now final and could not be reversed. Today, XX/XX/XXXX, I received an email bill from XXXX XXXX that I now owe {$100.00}, due XX/XX/XXXX. For items I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about the last week in XXXX XXXX, I called XXXX to pay my XXXX XXXX Bank collections in full. They referred me to the Law Offices of Mary Jane Elliott. I called the law offices to obtain the payoff balance which was {$600.00} and made arrangements to pay it in full by XXXX XXXX XXXX. On Friday, XXXX XXXX XXXX, I called the law offices of Mary Jane Elliott and made a phone payment in full via my checking account in the amount of {$600.00}. The deb collector on the phone told me that a lawsuit had been filed, however, I had not been notified or served and she stated that the lawsuit would be dismissed and I would receiving a paid in full letter and also documentation that the lawsuit would be dismissed and removed from public record. 

Throughout the month of XXXX, I have been receiving daily robo calls from XXXX attempting to collect on this paid in full debt. 

Yesterday, XXXX XXXX, XXXX I pulled my credit report. XXXX is still reporting this debt as outstanding with a {$55.00} balance, even though it was paid in full on XXXX XXXX. 

Today XXXX XXXX XXXX, I called the Law Offices of Mary Jane Elliott, and was told that my account was paid in full. However, they have not dismissed the lawsuit and the rep on the phone refused to give me a time frame in which they would dismiss it. She said they would not vacate the judgement. She also said her office would not be sending a paid in full letter. 

I am reaching out for help because XXXX has been in trouble with government and CFPB before for unfair debt collections practices. This is a debt that was paid in full that they are still attempting to collect on, which is negatively impacting my credit. 

Both XXXX and Law Offices of Mary Jane Elliott ( which is just a shell company for XXXX ), need to be held fully accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
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 the Fair Credit Reporting Act. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 
List of accounts : 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 2022-07-21
Company: Global Lending Services LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm XXXX I did not authorize. I suspect fraud, and have reported this incident at XXXX, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Chase Business Checking, I have received a email states that my account has been overdraft. I have noticed that XXXX check has been cashed, it was an unauthorized check, a fraud transaction. I reported to claim department, I spoke with two person in claim department in 5 minutes. Both person from Claim Department told me that " under my investigation your request has been declined '', " Chase do NOT have any thing to do to recover your lost amount. Suggest you contact the check cashier, or report to police ''. At the same time, because of the Fraud transaction my account has been overdraft 3 times, get charged $ XXXX $ XXXX $ XXXX {$100.00} fee. Total loss $ XXXX $ XXXX {$800.00} with out any reason. 

Complaint : 1. How does Claim department do " investigation '' in 2.5 mins, ( 2 person 2.5 mins each ) and get a result " decline ''???? What kind of " investigation '' has been done??? It is not a " Investigation '', they just looked the account, did n't even know what happened. 
2. I had stated that the check have some problem, it has been deposit before check issuing date. It is a very obvious evidence -- -- it is a Fraud transaction. The " Investigator '' said he did not look the date, and do n't matter when the check has been issued.??? Why??? 
3. Chase refuse to refund the overdraft fee, because of the refund have a " limit '' and the fee charge to account do n't have limit. Then Chase can keep more profit from Fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: NY
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:
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 the Fair Credit Reporting Act. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 
List of accounts : 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 2016-12-01
Company: JPMORGAN CHASE & CO.
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have recieved a letter from XXXX. In this letter they claim that Providian bank is the creditor as well as XXXX XXXX. This is FALSE. Providian was sold in XX/XX/XXXX to Washington Mutual inc which continued to run it as wholly owned subsidiary. Class action suits began in XXXX, They settled with the governmental agencies and this constituted the largest settlement ever against a credit card company for widespread unlawful business practices. I received a check as part of this settlement. In XXXX, Washington Mutual was seized by the federal government and then sold to J.P.Morgan Chase. I have spoken with a Chase executive named XXXX XXXX ext. XXXX. She assured me that Chase does not collect on accounts that are as old as this. So, with that said, XXXX and XXXX are committing several crimes in trying to collect this debt. Fraud, violation 's of both Federal and state law 's. They obviously have no right to try and collect any debt from me as neither company posses a state license to operate as collection agency in my state. Chase bought up the bank that bought Providian. They do not have Chase 's permission to try and collect this debt, I have spoken with a Chase executive They list Providian as the creditor and that company no longer exist 's. This is fraud as far as I am concerned. If either of these collection agency tries to put this on my credit reports then I have no other recourse but to bring legal action. for violation of the Fair Credit Reporting Act, violations of the Fair Credit Reporting Act, various state law 's and Defamation of character. They even sent coupons for me to make payments with, how nice of them. This company obviously PREY 'S upon people that do not know the law. They are continuing to try and collect a debt that I do not owe or is not mine. 
I am pondering the avenue of legal action against these companies at present.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

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

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 2017-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
There is an inaccurate late payment on my credit report as a result of fraud charges on my credit card, I have never been late on payments however it is reporting on the credit report. I contacted XXXX fraud dept and they said they are not reporting the late payments and to dispute it with the credit bureaus, I have done that for the past year and nothing has changed. 


XXXX XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid, Closed. 
In dispute XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit Card Terms NA Credit limit or original amount {$500.00} High balance {$6100.00} Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Completed investigation of FCRA dispute - consumer disagrees.

Comment Account closed at credit grantor 's request.

Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX account # XXXX XXXX XXXX account # XXXX has violated my rights everything must be 100 % accurate. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active inaccurate and date last reported is not accurate. This is ground for removal they also violated my rights under 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.

Also the credit bureaus took more then 30 days.

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 2021-11-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Complaint : ( XXXX XXXX  ) account # XXXX has violated XXXX U.S. Code XXXX - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX XXXXXXXX ) account # XXXXto communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of XXXX U.S. Code XXXXc-section b. XXXX, XXXX, and Equifax, must remove all information reporting from and relating to ( XXXX XXXX  ) account # XXXX including third party debt collection accounts associated with ( XXXX XXXX ) account # XXXX the account and information has been transferred and sold ILLEGALLY according to XXXX U.S. Code XXXX c-section b.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
chase.com website has the option to dispute charges made un-authorized on credit card accounts, it says there that they will close the card and replace it with a new one ... which is not true because I did n't get a replacement and they never close the credit card.

Company response to consumer: Closed with explanation