BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-20
Company: JPMORGAN CHASE & CO.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I feel discriminated against because I am a successful XXXX XXXX, with good credit, and XXXX with multiple XXXX XXXX. I applied for a Business Card with chase. I was declined, I contacted them for a reconsideration. I was advised I opened too many cards in 24 months. I asked to further explain. XXXX, whom I spoke to on XX/XX/2017 who was extremely rude and refused to escalate the phone call, advised that 7 credit cards over a span of 24 months is a risk. Note I have an outstanding credit score. He threatened to hang up on me. I decided it was going no where so I decided to call back and speak with someone that could assist me. I reached XXXX, same decision, did n't even ask any questions about my business ( net profit, loss, gains, type of business ). Just declined me. <P/>Keep in mind, I requested a MANAGER both times and ended up speaking with basic representatives that only handle escalated calls. Both times they refused to get me to a MANAGER. Once again, I feel discriminated based on gender, race and being a competent credit user.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I made a cash deposit on XX/XX/2022 at XXXX XXXX through the drive through window at the Truist Bank located at XXXX XXXX XXXX XXXX XXXX, NC XXXX. 
The gentleman took deposit, he never confirmed the amount of XXXX dollars that I had written on the paper placed inside of the envelope with the bills totaling the amount of XXXX, XXXX dollars. The teller handed me a deposit slip for XXXX dollars. I immediately questioned it as it was XXXX dollars short. He stated that is all I gave him. I then went inside the branch and asked the teller to get the manager. He proceeded to argue and I told him I was stepping away and waiting for the manager. 

I spoke to the manager and she had him count the drawer. She stated it was accurate. I then requested and investigation and the cameras be viewed. It has been 12 days and have yet to get the matter resolved. I also called the corporate office and spoke to another gentleman to file a second complaint. I have spoken to the branch manager on two separate occasions to no avail. As more time passes it becomes more difficult to verify and the camera footage could potentially be deleted. Thank you for your assistance with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I requested validation regarding an assumed bankruptcy that is reporting to my consumer report. The reference number along with court names are not reporting the same information between XXXX, XXXX, and Equifax. Also, after I disputed these items and the credit bureaus failed to provide the method of use to validate the account, instead I received a letter from XXXX stating after investigation it was verified as accurate. The term investigative consumer report means information on a consumers character, reputation, characteristics, mode of living is obtained through personal interviews with neighbors, friends, and associates of the consumer. An investigation was not done with any of these sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am exercising my rights under the Fair Credit Reporting Act and seeking a debt validation. Additional documents are attached with additional requests.

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 2020-08-03
Company: EQUIFAX, INC.
State: OH
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:
The below accounts do not belong to me please remove them from all three credit reporting agency 's. They are stopping me from providing for my family and stopping me from buying a home. 

XXXX XXXX Opened XX/XX/18 Amount Owed {$310.00} account number XXXX XXXX XXXX XXXX Account # XXXX Amount Owed {$810.00} XXXX XXXX XXXX Account # XXXX Amount Owed {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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: Reporting company used your report improperly

Complaint:
I asked Experian Credit Bureau to do a verification on my credit report. They stated everything was accurate on my Experian credit report and upon my own research I've found improper inaccuracies after they did the thorough research. 
The accounts that are inaccurate are XXXX  XXXX ( Account # XXXX ), XXXX  XXXX ( Account # XXXX ). THESE ARE NOT MY ACCOUNTS AT ALL. In accordance with the Fair Credit Reporting Act XXXX  XXXX ( Account # XXXX ) and XXXX  XXXX ( Account # XXXX ) has violated my rights. 
15 U.S.C 1681 section 602 A.States that 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 explanation
Consumer complaint received 2016-11-26
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is reporting wrong information on my file

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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The company is reporting late payments on my account that was not late. 

XXXX Bank XXXX Credit Card

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 2022-07-26
Company: Kikoff 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: Information belongs to someone else

Complaint:
A line of credit was fraudulently opened in my name under the account title Kickoff Lending LLC in XXXX of XXXX. I contacted my bank ( XXXX identity theft department ) and started the process of disputing this claim. There were also several different inquiries and attempts etc. I also put a freeze with all XXXX credit agencies. I got the report back but did not notice that Kickoff Lending LLC apparently verified the account according to XXXX. I only noticed that the account was never removed when I received an alert that my credit score had changed. I then logged in to see that my credit score had dropped due to XXXX delinquent payments to the Kickoff Lending. It says I have a {$24.00} balance. I then started investigating this company and saw similar complaints with the exact dollar amount my account had. I have tried to contact this company but when you call the number it gives you an email address only. The email I tried to send was immediately sent back to me as a bad email account. I have filed a police report as well as a report with the XXXX XXXX XXXX. XXXX has told me this is my next step in hopes that you can contact the company as they also have been unable to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: ERC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Dear XXXX XXXX, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 4861681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me. Pursuant to 15 us 1681 ( a ) ( 1 ). Pursuant to 15 us, 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 486 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, XXXX XXXX, and XXXX. I have been unable to get a job because of you assuming this role. Pursuant to 15 u8, 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with ; me the consumer., You have no proof that this transaction even took place, You were also impartial because you allowed information to be reported while only hearing one side of the story You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. Pursuant to 15 us 1681 ( a ) ( b ) You did not meet the needs of commerce because this was notFair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This transaction If it even took place should've been confidential so you in fact betrayed my confidence, You are in violation of 15 43c 1681a ( d ) ( 2 ) ( A ) 0 ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that sly took place between me and the person who allegedly made this report. So pursuant to 15 us 1681a ( d ) ( 2 ) A ) ( I ) it should be excluded from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
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: Account status incorrect

Complaint:
I originally had an auto loan for a XXXX XXXX with XXXX XXXX XXXX which was opened in XX/XX/XXXX. On XX/XX/XXXX, I totalled the XXXX and my insurer ( XXXX XXXX XXXX ) received a 10 day payoff from XXXX XXXX due to the vehicle having been declared a total loss. XXXX received a payment via check in the amount of {$11000.00} on XX/XX/XXXX. The attached paperwork that I received directly from XXXX XXXX shows the payoff was valid until XX/XX/XXXX. I also received a {$3500.00} payment from XXXX XXXX after they paid the lien holder as this is always the case if money is due after the lien is paid. I started looking at my 3 credit reports, XXXX failed to submit the correct payment of {$11000.00} they received from XXXX XXXX for the 10 day payoff XXXX provided to XXXX XXXX. After checking my reports, in XX/XX/XXXX XXXX reported that I was 30 days past due, XX/XX/XXXX I was 60 days past due, XX/XX/XXXX I was 90 days past due then in XXXX, XXXX charged off {$180.00}. How is it possible after a vehicle is declared a total loss to be XXXX days late after the lien holder has received payment in full and released the lien to the insurance company for that matter. This account still appears as a charge off as of XX/XX/XXXX. I have screenshots from each of the 3 creditors showing the inaccurate information that has been reported since XX/XX/XXXX. I also have my original sales contract, {$8000.00} down payment receipt as well as billing statements, and documents from XXXX XXXX that support this claim.

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 2017-08-21
Company: Source Receivables Management LLC
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: Old information reappears or never goes away

Complaint:
The XXXX account was removed from my credit file. The company Source Receivables Management has reinserted the the account back to my credit file with a new open date. Which is a violation. Also i am supposed to be giving a 5 day notice which i was not giving which a direct violation of the FCR law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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:
Describe what happen? 

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well. 


What would be a fair resolution to this issue? 

I want all negative items removed from my credit report because you are in direct violation in the FCRA

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 2017-01-03
Company: JPMORGAN CHASE & CO.
State: MS
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XX/XX/2016, I was in XXXX Louisiana and had my debit card stolen along with my cell phone. My banking institution is JP Morgan CHASE. Because I " did not '' have my phone with me I was unable to call the " Chase customer claims department '' XXXX and report that my card was stolen. On XX/XX/XXXX I returned from XXXX back home I attempted to log on to my bank account and find that the funds that were in my business checking account word depleted in the amount was {$11000.00}. I proceeded to call " Chase customer claims '' to report the fraudulent activity. I was advised to submit a claim to their fraud department and also fill out an affidavit regarding the fraudulent charges. I was also advised to reach out to the merchants who received the fraudulent charges and the primary merchant was XXXX. Based on recommendations from chase I was told to file a claim with XXXX as well as file a police report which I did and sent back the information to the chase customer claims department. After submitting all the requested information I was told by " Chase customer claims '' that the claim was denied based on inaccurate information. I asked what " inaccurate information '' means and what could I do to help have this fixed. I was told that they could not tell me that information, and that my best option was to have the claim " resubmitted '' for a second look by upper-level management. After waiting the standard 2 day reply from " Chase customer claims department ''. The claim was denied once again. 
Because the funds were in a business checking account and ultimately belong to another firm. We needed to take action immediately to resolve this issue. We were told time and time again to resubmit the claim to " Chase customer claims department '' to get the same results time and time again. Submit the claim t " '' Chase customer claims department " and after two days receive a denial letter. This is become extremely frustrating because we have gone above and beyond what we are required to do as a consumer from this banking institution. Including filing a report with merchants and getting a police report generated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposit the total amount of {$4700.00} cash at Chase ATM, address XXXX XXXX XXXX, XXXX XXXX, CA XXXX. However, I received the bill that I only deposit {$1700.00} and give me the number to call and check again. I find the {$6000.00} claim through that number, but the bank denied {$3000.00}. This money is my tuition fee so I need it as soon as possible. The bank still post {$1700.00} transaction on my account and ignore the {$6000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-08
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited {$50000.00} from my personal checking account to my AMEX personal savings account. Although the funds have been verified, withdrawn, and received by AMEX, I do not have access to the funds and AMEX can not explain why the funds are in limbo. I understand delays in available funds for transaction verification purposes, but this is much different. The funds have been verified and the transaction is complete. This equates to fraudulent activity on behalf of AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Pursuant to the Americans with Disabilities Act and Fair Housing Act, I sent Select Portfolio Servicing Inc. a reasonable accommodation request, a change, exception, or adjustment to a rule, policy, practice, or service. Select Portfolio Servicing , Inc. did not order an interior inspection of my property, unlike another account where an interior inspection was ordered, and denied my request. 



My additional complaints against Select Portfolio Servicing are Misrepresentation of my mortgage loan transactions, and failure to review my applications for loss mitigation and my reasonable accommodation request within 30 days and discrimination due to Social Security Disability fixed income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: EQUIFAX, INC.
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:
I have previously filed a complaint with XXXX, the creditor that was involved with my identity theft case. They have already sent me an affidavit for identity theft in the mail and I sent that off on XX/XX/2022. I have also sent Equifax and XXXX a copy of my police report my identity theft report and other supporting documents multiple times. They have treated me very rudely. My brother, XXXX XXXX, opened a fraudulent credit card in my name and made himself an authorized user of the card. Based on the police report I have sent them, he has also had a history of stealing checks from my family. I have substantial evidence of my identity theft and still have not had this account removed from my credit report. XXXX and Equifax even put a 7-year fraud alert on my account but then proceeded to say in recent dispute results that the account was accurate when it was not. Out of all the credit bureaus involved, XXXX by far has given me the best customer service. They have cordially and promptly deleted the fraudulent account from my credit file. I am still fighting with you months after I had found out about this fraud. Since XXXX is my XXXX, his SSN is only a few digits off from mine. That is how he was able to do this. I have not received any financial gain from this at all. I am sick of fighting this case. Why would you place a 7-year fraud alert on my account and then decided the fraudulent account in question is accurate? I am beyond speechless. XXXX has already received my affidavit. They should be beginning to perform their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions 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:
fraud these accounts need to be removed asap 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