BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-27
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I had a lawsuit with XXXX XXXX XXXX XXXX for my XXXX, and I won my case which got me {$6000.00}. They sent me a check from XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNT. The check was for {$3000.00}, because the lawyer fees were {$3000.00}, so I got the remainder. The date on the check says XX/XX/2022. I cashed the check at my bank which is Chase. They put a hold on the check for XXXX  weeks, and when the hold was lifted they still didnt release the funds to me. They took the money though because when I called XXXX XXXX, and there bank they said the money was taken out by chase, which chase agreed they had the funds but would not be giving them to me due to not being able to verify the check. I gave them all the numbers XXXX XXXX has and they said none were verified and that my money would be going to the government since they cant prove who it came from. I fought for this check and paid my lawyer fees and already had a hard time with my vehicle. Id appreciate it if I can get the money I fought waited and paid for. XXXX XXXX cant reissue me a check since chase took the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
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: Investigation took more than 30 days

Complaint:
Carrington Mortgage is not reporting payments for our home on our credit report. I was discharged and reaffirmed mortgage after bankruptcy through the XXXX program. XXXX  XXXX XXXX sold our mortgage to Carrington shortly after reaffirmation paperwork was complete. 
They need paperwork from me but they can not tell me exactly what I need and I want to sell the home soon. 
This happened XXXX - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: FL
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:
Investigation Request Letter To Whom It XXXX Concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that had discrepancies. Under the Fair Credit Reporting Act, I have the right to challenge anything I am not sure is accurate. Some of the companies reporting on me I have never heard of in my life. 

In accordance with the Fair Credit Reporting Act the companies listed below have 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 : States a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C. Section 1681i ( a ) States that if proof can not be provided, the accounts must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have reached out to all companies and all credit reporting bureaus.

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 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX, XX/XX/2022, XXXX I submitted a dispute with XXXX regarding XXXX XXXX XXXX breaking the Gramm Leach Bliley act 15 USC 6802. The reporting of these account ( s ) is/are violation of SC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

XXXX refused to remove the creditor from my report.

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 2020-04-16
Company: Experian Information Solutions Inc.
State: IL
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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAS BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NOT AUTHORIZED NONE OF THESES TRANSACTIONS AND I HAVE NO IDEA AS TO HOW THEY GOT ON MY CREDIT. I AM ASKING THAT A THOROUGH INVESTIGATION TAKES PLACE SO THAT THESE ACCOUNTS AND INQUIRIES CAN BE DELETED AND REMOVED FROM MY CREDIT AS SOON AS POSSIBLE.

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 2022-06-27
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX, XX/XX/2022, XXXX I submitted a dispute with XXXX regarding XXXX XXXX XXXX breaking the Gramm Leach Bliley act 15 USC 6802. The reporting of these account ( s ) is/are violation of SC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

XXXX refused to remove the creditor from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: Chime Financial Inc
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
after 9 months of waiing for my unemployment, ESD approved my claims and i was reembursed almost XXXX dollars to my account with chime bank. I didnt realise it was approved for quite sometime as the esd department was severely behind and mail and communications are very little to none. when i had finally noticed XXXX dollars was stolen from me. i contaacted my bank 3 times asking my avccount to be stopped. it never was. i filed police reports, sdtill nothing haopened. finally after a month they deactivated that card and i have filed well over 6 disputes requesting to be reimburs3ed. i XXXX filed identity theft because thid person has all my info. i reorted to credit bearues. XXXX XXXX had denied all requests on this dispute. i dont know what elso to do. it was banks error for sllowing my account to be active after i reported it was jepordized. i get no where with chime but i actively file a dispute the sme day they deny it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The date XX/XX/22 my account was finally close after a month waiting of the close, when they finally close I should wait a week for receive my found and already pass more the one month and they told me the fund are under review, I can not still waiting that was all my savings Im having bad situation because of these, the amount is 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 2022-06-07
Company: EQUIFAX, INC.
State: IL
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 # XXXXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.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 2022-06-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 was under the impression my credit card company was still helping me resolve an issue with one of their merchants. I have a letter from them dated XX/XX/2022 stating they are researching the issue. When I called to follow up, a supervisor told me that case is closed and there is nothing they can do. It seems they went with the original response from the vendor that stated I did not cancel in 72 hours and then discontinued investigating after I sent them numerous proof that the information the merchant sent was a total lie and fraudulent. I even went to small claims court where I was awarded the Judgement. The merchant will not communicate with me. My credit card company has had the only successful contact with them. I am trying to work with my credit card company to resolve this. I sent numerous proof that the merchant is a fraud and should not be able to scam people the way they did to me. I would like them to open up the case and attempt to contact the merchant who owes the credit card company or me a refund based on the courts judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions 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:
My apartment was broken into a few years ago and whoever was responsible took many personal items of mine such as bills, my birth certificate and other items. Since then I've had ppl opening numerous accounts in my name. Reported the information to the police department but it didn't stop. Please help.

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 2022-09-21
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Kia Motors Finance issued me a check for {$4000.00} I never cashed it, it was stolen out my car I contacted kia about this matter 7 times insisting that they cancel it well they didn't so I called back again the lady stated that the check was cashed and will not be reissued this was a smack in the face this was a reimbursement check from the overage charges please help my family my son is XXXX and will be evicted soon I'm counting on this please look into this and re issue check XXXX XXXX XX/XX/1987 please mail to XXXX summer XXXXXXXX XXXX XXXX XXXX, ga 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 2022-06-07
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Truist bank accepted a XXXX payment sent to me and the bank wont release my funds to me. Gave me the run around for 5 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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The following inquiries were not authorized on my credit report. These only show up on my TransUnion report, which is weird. These need to be removed : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report 6. The inquiry was not authorizeXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 7. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 8. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report

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 2021-10-02
Company: National Credit Systems,Inc.
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 information incorrect

Complaint:
National Credit Systems Inc has been reporting a erroneous information on my XXXX and XXXX credit profiles as a collection account. They are reporting this account as a joint account which it is not. I belongs solely to the primary on the account. They have also recently over the last coupled days updated the amount of the collections from {$1500.00} to {$1500.00}. Neither of these amounts reflect an accurate balance. I am demanding that all reporting attempts on this account cease and desist and be immediately deleted from my XXXX and XXXX credit profiles permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
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: Credit inquiries on your report that you don't recognize

Complaint:
I DO NOT RECOGNIZE THESE INQUIRES. THE FCRA ALLOWS ME TO HAVE FALSE ITEMS DELETED FROM MY REPORT. I DO NOT HAVE ACCOUNTS OPEN WITH THESE COMPANIES. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX TEXAS XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: MO
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 XXXX XXXX submitting yet another CFPB Complaint to request that the reported accounts on my Credit File be corrected and updated. The Credit Bureaus ' efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason I request that all of the attached inaccurate information listed in my credit file be removed immediately. 

XXXX XXXX XXXX Balance Owed : $ XXXX How many times do I have to tell you that the references for the late payment on this account is erroneous and misleading causing negative impact on my Credit File ? I previously requested for the investigation and correction of this account and yet you have done nothing. Let me remind you that you are obliged to investigate and update this account per consumers requests under the FCRA regulation. Once again, I am requesting that you take your time to THOROUGHLY investigate and CORRECT this account to report accurate information on my Credit Report. 

XXXX XXXX Balance Owed : {$0.00} Equifax is reporting a deleted account from the other Credit Bureaus. This account was already deleted and yet you are still reporting this Account! According to the Fair Credit Reporting Act, reporting of accounts and information must be accurate. I need this account deleted as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Several attempts have been made by the account holder to close the HSBC account. A letter, signed and dated ( XX/XX/XXXX ) with two ( 2 ) forms of identification was submitted to the Legal Paper Processing department of HSBC per their instructions. The letter requested a address change and the account be closed with proceeds sent to the new address. 
When no response was received a second letter, signed by the account holder and dated ( XX/XX/XXXX ) was sent again requesting an address change and closure of the account. [ both letters attached ] When there was still no response and following additional conversations with HSBC representatives, a complaint was filed with the New York Department of Financial Services acknowledged on their letterhead dated XX/XX/XXXX. [ attached ] A response dated XX/XX/XXXX was received from HSBC acknowledging receipt of the XX/XX/XXXX letter for change of address, but not for account closure. Interestingly, both requests were made on a single page of paper, signed and dated by the account holder. The HSBC response also required a POA ( irrelevant since it was the account holder, not the POA, making the requests ). [ POA attached ] The response also suggested follow-up be made with their customer service department. 
This was done resulting in HSBC accusing fraudulent involvement of family members and maintaining failure to follow their customer 's written instructions. [ correspondence attached ] This treatment by HSBC against an elderly customer of over 20 years is unacceptable. 
Unfortunately, punitive damages are not possible in a case of this nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/22, I found 3 items on my credit report that do not belong to me. Any information from my credit report that I inform you is a result of identity theft, must be removed within 4 days of you being notified. You can not furnish any account on my credit file without my written consent. I never gave you written consent. I have suffered a lot of XXXX  and financial distress due to the deceptive practices XXXX XXXX XXXX, XXXX XXXX, AND XXXX XXXX, Experian, XXXX, XXXX, XXXX, XXXX, and any other place my information was illegally sold to. It has been nearly 2 months and yet, these items still remain on my credit 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 2022-06-27
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX  Account # 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 DP OF EDUC, # 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 2022-08-22
Company: EQUIFAX, INC.
State: AZ
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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation