BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-19
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have tried to use the Chase bank ATM located at XXXX XXXX in XXXX, MI. There were two ATM 's, on apparently has been stolen and not replaced for more than a month and the other ATM, the one that I tried to use did not have cash for two XXXX XXXX in a row. My wife also had a similar issue with trying to use her chase ATM card at a ATM location in XXXX, MI. 
I spoke to the XXXX XXXX XXXX asked that any fee I incur for using a non chase ATM be refunded since the Chase ATM at this branch has been out of commission for some time. 
The associate at the branch stated that they are unable to waive any fee for use of a non chase ATM. 
Please investigate this issue with regards to Chase ATM not working at multiple locations and hold Chase bank accountable to pay any fee for use of non Chase ATM when Chase ATM 's are chronically not working ( dispensing cash ). 
Please do not hesitate to contact me if you need any further information in this regard. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I've been a victim of Identity Theft and sent the police report in to both the creditor and the credit bureaus. I'm writing this in hopes to have the creditors and the bureaus to protect the Consumer Laws FCRA. In which mine have been violated by continuing to report inaccurate information and information that was fraud. I'm asking for both companies to investigate and provide proof that I signed any agreement with my signature. I am writing to request the method of verification for dispute initiated on XX/XX/2022 and the subsequent response received on XX/XX/2022 enclosed with this letter. 

Re : { dispute_item_and_explanation } [ Manually modify this line when you're in the final step of the dispute wizard ( editor page ) ] Please send the following information used to verify the validity of 1. XXXX XX/XX/XXXX 2 .XX/XX/XXXX 3XXXX  XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA XXXX Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

I've also filed a complaint with the FTC as well.

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 2022-06-21
Company: Experian Information Solutions 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:
N accordance with the Fair Credit Reporting Act 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 explanation
Consumer complaint received 2023-01-31
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:
{$620.00} XX/XX/XXXX expressing fraud and asking for help..No response. I have been disputing for yrs. 
XX/XX/XXXX nothing.. 
XX/XX/XXXX asking to prove the debt..nothing I even did a consumer complaint..this account FRAUD..not 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 2022-06-21
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:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 explanation
Consumer complaint received 2022-06-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Loan Management Services is the servicer on two of my mortgages, XXXX established XX/XX/XXXX and XXXX established XX/XX/XXXX. Neither escrow accounts accrued interest required by Maine state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Penn Credit Corporation
State: AL
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 sent collection agency a letter asking for Verification/validation of account they did not sent proper verification I have enclosed what they sent back. They didnt provide everything I requested account have not been properly verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I be in jail for 1 years I have recipt more than XXXX $ in total in my business account in cash app from payment for good and services and when I am going to use my account I see no money ovethere and my account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: NJ
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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. 

Account name : # XXXX, XXXX XXXX XXXX Account name : XXXX  XXXX XXXX XXXX XXXXXXXX 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 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 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
So XXXX and TransUnion are ignoring what you send to them now they changed account to a different I sent them as well as you documents proof this is paid .now XXXX transunion is causing me harm and damage and you aren't gon na do anything about well I'm going to the news attorney general and I have notified the same company that investigated credit concepts.its like your allowing these agencies to harm people .I 'm going to expose all three agency.since you are not helping and they are acting like they fixing things .the IRS has been notified and will be contacting all parties involved.transunion rep hung up on me when I asked for the everything on file application who they spoke to how they verified.so now I have to government enforcement involved.im done with these agency they keep discarding my certified mail. And if your not gon na help I will take this matter in to my hands .I have interview with the news and will present everything as to agencies all 3 and credit concepts.im getting discriminated because of fraudulent buissnness and fraudulent agencies.your affectingy life and my kids .and I had enough.so I will help the protection bureau since their not helping Getting this resolved I sent you legal IRS documents .and credit concepts has no proof of payment for loan. These agency won't provide their proof I have phone recordings of them saying they don't have to and email they sent all three they received police report and they refuse to block information.yall had a year now .cause this affecting my kids. Their gon na be criminally punished.fineds not enough .and their ignoring my invoices well I sent everything to IRS since they accepted the discharge. And all this has been filed on record

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX  XXXX {$780.00}

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 non-monetary relief
Consumer complaint received 2023-11-01
Company: EdFinancial Services
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My loan servicer was switched without anybody reaching out. My first loan payment was supposed to be in XXXX and all month I have been trying to make that payment but both ED financial and XXXX both show that I have a XXXX $ balance. I have received no information about anything. I have tried calling and can not get on the phone with anybody due to very very long wait times. I know there is payments to be paid and it is very stressful not being able to pay them on their right times. I hope that I am not going to be flagged or disciplined for a " late '' payment when in reality there is no way for me to make one.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: RI
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 Account # 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.

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 2022-06-06
Company: 1st Franklin Financial Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX in XXXX XXXX Made me an unsecured loan for XXXX and it was paid in full early. There were some late payments due to a divorce, but the loan was paid in full. XXXX is the only reporting agency that is still reporting this account and the company will not stop reporting it to them. This is the biggest problem I have with my credit. This account was paid in full XX/XX/2020 and should be removed from my credit report. This company has been asked many times, even by a credit repair company I hired to just drop it and remove the account to no avail.

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 2022-11-24
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I opened up a bank account at Chase Bank and deposited {$5000.00}. 

On XX/XX/XXXX I found out that the bank account was closed, this was due to no activity in the account, most of the money was taken by the bank and the XXXX  XXXX dollars that were left could not be returned to me due to the account being closed. 

Unfortunately I was bounced around from representatives to representative and was unable to get anywhere with them. 
I learnt that the account was grandfathered in ( I don't know what that means ) and that they can't see the history of the account. 

My questions are : -Why was money taken out of my account? 
-If the answer to that is Bank fees ( wish I understand is illegal ) why continue taking fees if you see the account is inactive? On the other hand why close the account if there's still a XXXX XXXX dollars in it? 
-If there is money in the account why not return it to me asap? this could be done by a bank transfer to a different bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
updated information since BoA attorneys will not send it to them. This is pleading with exhibits filed into case XXXX hearing set for XX/XX/2022 to vacate the summary judgment and argued case must be dismissed.

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 2022-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was approved for a credit card with Capital One for {$500.00}. They mailed me the card but then blocked it before arrival and called me stating they needed to verify my identity. I received a call from a gentleman name XXXX who referenced a Fraud investigation reference number of XXXX. I called back and was advised that they needed me to email my photo identification and social security card to an unsecured email address. Not even uploading it in the account portal. 

I advised that I would not send this information to an unsecured email address but would happily go to the local Capital One location near me and present the information. So, I did. I went to the Capital One Branch location at XXXX XXXXXXXX XXXX, XXXX, TX XXXX and spoke with the branch manager who took a copy of my Tx Driver 's License and my Social Security Card and scanned it over to the Fraud team with the reference number provided by the Fraud Department. I was advised that I would hear from them in XXXX Business Days. That was XX/XX/XXXX. I had received the card a week or so before that. 

After not hearing back from Capital One by XX/XX/XXXX, I called them back and they stated they still had not received my information. However, today I received notification that Capital One has reported to all three credit bureaus that I have an open account with them. Why would you report that I have an open account with you, when I have an account that can't be used because you claim you don't have the information you need to prove I am who I am. You mailed the card to the same address on my Driver 's License, I physically walked into the closest branch to my home and presented the information you requested and I still can not utilize the credit that was approved. I have a card that is not valid but you are reporting to the credit bureau something different. THIS IS FRAUD on Capital One 's account. And I want it cleared up immediately. 

All I get from the Capital One representatives is they are waiting for the information that has already been provided. I ask to speak to a supervisor and they tell me the department that is handling the issue doesn't take calls and I can't speak with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: AL
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:
I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I may presume that no hard proof of the allied debt, nor therefore any such debt, in fact exists for accounts : XXXX CARD : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX : {$1700.00} U.S DEPARTMENT OF EDUCATION XXXX XXXX : {$4700.00} U.S DEPARTMENT OF EDUCATION XXXX XXXX : {$2600.00} 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 2022-07-27
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ENHANCED RECOVERY CO LLC refused to address my concern after I disputed the debt. The company violated my rights under FDCP by not clearly stating that the debt is disputed. 
I filed a dispute with XXXX that the company need to validate the debt and instead ENHANCED RECOVERY CO LLC told XXXX that the debt was verified. That is not what I disputed and how do you verified when it took less then 24 hours. There was no investigation and Both XXXX and ERC violated my right under Fair Debt collection act.

Company response to consumer: Closed with explanation