BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-02
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Good Afternoon, On XX/XX/XXXX at approximately XXXX, I tried to make a check deposit at Chase 's branch location on XXXX XXXX  XXXX, XXXX XXXX XXXX NJ XXXX The drive-thru ATM from this location had been removed recently with no ETA on when it will be back, leaving the only alternative to deposit inside the branch. So of course, I went in and the inside ATM had a notice that it wasn't currently accepting check deposits. The next closest branch was a few miles away on XXXX XXXX. I made it there XXXX minutes after XXXX and deposited my paycheck for {$200.00}. The ATM then showed a message that said my entire paycheck would be held until XX/XX/XXXX. The XXXX!!!! 

On XX/XX/XXXX, I woke up to the heartwarming notice that I was charged XXXX overdraft fees at {$34.00} each, backdated to the XXXX, and then received an additional {$12.00} fee for a returned item that Chase seemed so unwilling to process the previous night. 

I have spoken to customer service at this bank time and time again regarding holding my paychecks. I thought banks weren't allowed to do that in the first place, though would like some clarification. Furthermore, I am repeatedly subject to holds on every single deposit. When I speak to customer service, they tell me it's random. It's not random when this happens every single time I deposit a check. 

I find it very tacky that I was assessed these fees when the bank 's own ATM wouldn't let me make the deposit in time to bring the account current. I also find it tacky to charge me a returned item fee on a check they didn't even want to clear until XX/XX/XXXX. If Chase is that quick to process checks, and then wants to hold them for 14 days, then I should be the one charging fees since the bank 's getting an interest-free loan out of me. 

I'd also like to know when the drive-through ATM will be back at my branch on XXXX. XXXX in XXXX XXXX. 

Please abate all penalties and refund them to my account. Please make sure at least one ATM is working at all times. Please stop holding all of my checks for ridiculous timeframes. Chase is currently holding another one I deposited yesterday ( XXXX ) for {$200.00}. There is a pattern with these checks ; I regularly deposit from that account and it shouldn't keep holding them. The money was already taken out of the payor 's account. The check I deposited literally says " paycheck. '' This one 's being held until XX/XX/10. This is unacceptable at this point ; I can understand it for new accounts, or accounts with adverse history. My account is neither. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Experian Information Solutions Inc.
State: CO
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. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions in accordance with the Fair Credit Reporting act XXXX  Account # 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 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 2022-09-22
Company: EQUIFAX, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
XXXX XXXX XXXX, AZ XXXX XXXX  XXXX {$2800.00} XXXX  XXXX XXXX {$510.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} AZ XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX {$740.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX A XXXX 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 A XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX A XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcy to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to : 15 U.S.C 1681 Section 602 A States I have the rights to privacy.

According to : 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 According to : U.S.C. 1681s- ( 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 2022-07-02
Company: EQUIFAX, INC.
State: MA
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 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 2022-07-02
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have home Mortgage with Truist bank. I never have any missed payments and have automatic draft payment for my monthly payment directly from my bank account. On XX/XX/2022, because I had excess of {$7400.00} in my escrow account - Truist sent the check but it was sent to wrong address. In XXXX, I called Truist on their customer help like ( only way you can talk to someone ). After taking to the agent for 1 hour, agent initially declined to resend escrow check back and then at the end after talking to supervisor, agreed to resent to correct address. On XX/XX/XXXX, Truist bank, instead of sending check for additional escrow, debited {$7400.00} additional money towards principle without my approval. I am tired of reaching out to front like telephone operators from Truist who never understand the issue and incorrectly auto drafting money from my bank account. I am tired of Truist bank - will never bank with them again with such type of customer service.

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 2023-11-29
Company: EdFinancial Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Payment of {$110.00} was due XX/XX/ Made payment of {$500.00} on XX/XX/ Payment was reversed by Ed financial on XX/XX/XXXX  Tried to call to find out why was told they didnt know try again Made {$500.00} payment on XX/XX/ EdFinancial reversed the payment on XX/XX/ Causing my account to go unpaid affecting my credit score. Everytime I call I am told they dont know why it has to be an error on my part but my bank info is correct. They said they have nothing else to tell me and theres nothing to look into. A quick XXXX search shows TONS of people are also having their payments reversed causing them to go unpaid, affect their credit and extend the life of their loans and the interest. This is a complete scam And predatory lending practices. 
Another payment of {$220.00} was made today XX/XX/. I am waiting to see if they reverse it yet again and have no idea how I can pay my loan if they keep returning the payments.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-02
Company: Credit Karma, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Credit karma sent me numerous of emails and also advertised within the website on my account that I was preapproved for a credit card and when I applied I wasnt approved which caused damage to my credit because of the hard pull of credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Williams & Fudge, Inc
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Email dated XX/XX/XXXX from Williams & Fudge , Inc. agent XXXX XXXX that I owe them a debt for {$18000.00}. The Original Creditor was XXXX XXXX. I have no contract with Williams & Fudge , Inc . I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. All caps name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ).

The communication between Williams & Fudge , Inc. and XXXX XXXX, about me is in direct violation of my privacy per the Privacy Act of 1974. If XXXX XXXX did not violate my rights under the Privacy Act, then how did Williams & Fudge , Inc get my private email information. I have attached correspondence that shows tender of payment ( RI Gen Law 6A-3-603 ) to XXXX XXXX was received via certified mail XXXX XXXX on XX/XX/XXXX. Even the amount stated by the Debt Collector XXXX Williams & Fudge XXXX Inc., doesnt match! 

Also, pursuant to 15 USC 1666d if there is a credit of account balance with surplus of over {$1.00} dollar in accordance to the journal and ledger entries described in IRS Pub 583, the amount balance should be credited and the remaining balance must be directed to the consumer. ( {$18000.00} ) the documentary evidence must be provided to clarify this amount as this is a formal instruction in accordance to 15 USC 1666 ( b ) ( 2 ) to provide documentary evidence which involves books of account in accordance with 15 USC 44 to resolve this billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: IL
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 sent a dispute letter to the XXXX and Experian  and XXXX on numerous occasions to remove a account that is not mine. the three companies never ever got back to me about removing it. i also demanded them to provide the original contract with my signature that i sign its been over 100days and i still haven't heard anything back because of that reason and i demand for the accounst in question be removed this has been stressing me out and stopping me for being able to buy a home for my family and i

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 2023-12-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio recovery associates is saying I'm liable for debt where the original contract was not authorize by original contract to share personal information to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Newport Intermediate Inc.
State: VA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
Company deceived consumer by not allowing them to " manage the funds '' with a protected PIN as well as did not provide 80 % as XXXX claims to be a " fair value ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I Just want them to verify and update so my Report can be accurate. Experian Is the only one reporting these Items inaccurately.

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 2022-07-02
Company: Experian Information Solutions Inc.
State: NJ
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:
XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcy to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 U.S.C 1681. 

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 U.S.C 1681. 

According to : 15 U.S.C 1681 Section 602 A States I have the rights to privacy. 

According to : 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 According to : U.S.C. 1681s- ( 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 2022-06-08
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been receiving notices from XXXX XXXX  and TD XXXX XXXX XXXX that I was behind on payments to my account since XXXX or XXXX of XXXX. Knowing that I never opened a card or account with XXXX XXXX XXXX, or TD XXXX XXXX XXXX I was throwing the notices away thinking they were some sort of scam tactic to try to get my personal and/or financial information. On the third notice, I decided to investigate. I accessed my bank 's tools and I was able to access my credit report. My credit score had dipped XXXX points since XXXX! My credit score was very high ( XXXX 's ) and now it's in the XXXX 's! I looked at what accounts I had open, and sure enough, it said I had an account open with XXXX XXXX  since XX/XX/XXXX. It showed as a revolving account of {$76.00} a month and all payments were made up until XX/XX/XXXX! 

On XX/XX/XXXX, I called XXXX XXXX to inquire, but it was a Saturday, so they gave me several numbers to call during the weekday. 
XXXX  Customer Support : XXXXXXXX XXXX XXXX Fraud Department : XXXX XXXX XXXX Federal Trade Commission XXXX I called XXXX Customer support on XX/XX/XXXX to inquire if there was an account open associated with my name, phone number, or any of my email accounts. There was nothing. They suggested I reach out to the XXXX XXXX Fraud Department. 

On XX/XX/XXXX, I called XXXX XXXX Fraud Department and they directed me to go to www.myonlineaccount.net to dispute the account. They also made a note of it on my " account '' so my complaint could be attached to the account. I did so, but have not heard anything back yet. They also suggested I call the Credit Bureau and Federal Trade Commission at the numbers shown above. 

On XX/XX/XXXX I called the FTC and it mentioned a website to enter my information/complaint and because of the nature of the complaint I was directed to submit a complaint with the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX {$440.00}, XXXX XXXX XXXX {$630.00}, XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX {$2700.00} XXXX XXXXXXXX XXXX {$1600.00} 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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of Transunion to keep ignoring a consumer 's request for the correction of the disputed accounts on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed accounts claiming that the information they present is accurate, with which I greatly disagree. I am submitting this complaint to you today to request that Transunion provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continue the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts corrected as soon as possible : 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