BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-07
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In a letter dated XX/XX/2022 Chase informed me that they had restricted my checking account due to the possibility of a fraudulent check having been deposited ( case # XXXX ). I spoke to the branch XXXX and she just kept saying her hands were tied. She suggested I call customer service. Customer service just kept repeating that it was under review. The problem was that an elderly lady had forgotten that she had written me this check and had turned it in as fraudulent to her bank. She then remembered she wrote the check and notified her bank who said that they would take care of it. Somehow it was still reported to Chase and my entire checking account has been unavailable to me since that time. The check was written from XXXX Bank who says they have notified Chase that this was a mistake but no action has been taken. I have a letter from XXXX that certifies that the fraud case that was opened has been closed and deemed not fraudulent. I sent a copy of this letter to ChasXXXX on the XXXX of XXXX. I still have not gotten any response nor have my funds been unrestricted. Hopefully, the XXXX XXXX can get them moving on this issue. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Experian Information Solutions Inc.
State: PA
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:
My loans are paid docs attached. XXXX account number 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 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have an charged off account XXXX XXXX thats reporting to all three bureaus. And they are reporting an past due balance each month thats been charged off and the account status is reporting open. Please remove

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 2023-01-08
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am a XXXX XXXX XXXX and I have a checking account with Chase Bank. 
On XX/XX/XXXX I wrote to Chase Bank, from my XXXX address, asking to close the account and to wire the balance to my XXXX Bank. 
In response, Chase Bank disregarded this instruction and sent a check for the balance to an address in the US at which I had not been resident for 10 years. The current resident kindly alerted me to this. 
It became clear that the check would be of no value in the XXXX as it was made out to a XXXX XXXX XXXX in Arizona that has no validity in the XXXX. I wrote to Chase Bank on XX/XX/XXXX explaining that the check had no value and asking that the account be re-opened so that the balance could be transferred by other means, for example as a check in my name or a directly wired transaction. In response I received a form to re-issue the check. 
I contacted Chase Bank Escalation Team in search of a solution ( case ref XXXX ). After a series of conversations, on XX/XX/XXXX I was advised by Chase Bank Escalation Team that if I presented the check at the counter of a Chase Bank branch in the USA it would be cashed. 
On the basis of this advice, I travelled to the USA and presented it at the counter of the Chase Bank at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Despite presenting full identification and an extensive conversation with XXXX XXXX XXXX XXXX, Branch Manager, Chase Bank were now unable to cash the check and I was obliged to return to the XXXX without the balance of my account and considerably out of pocket from the travel costs. 
Subsequent communications have not identified any method to return the balance of my account to me. 

In summary : - Chase Bank hold the balance of my account. 
Chase Bank disregarded my instructions to close the account and wire the balance to my XXXX bank Instead, Chase Bank sent a check which has no value. 
On the basis of an assurance from Chase Bank, I travelled to the US at considerable expense. 
I hope that the CFPB can assist in the return of the balance of my account and gaining compensation for the time and expense of a fruitless journey to the US from the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My XXXX XXXX XXXX card previously reported my account 30 days delinquent for XXXX of 2022. I filed a complaint, and demonstrated that I was not delinquent for XX/XX/2022 and they removed the delinquency. a couple weeks later they reported my account 30 days delinquent for XX/XX/2022. I filed a complaint and demonstrated that I was not delinquent for XX/XX/2022. They removed the XX/XX/2022 delinquency from my report, then a week later they reported me 30 days delinquent for XXXX again, even after I demonstrated that my payments were on time. Basically they continue to move this 30 day delinquency to different months despite me proving that all my payments were on time. I am attaching proof of my XX/XX/2022 and XX/XX/2022 payments

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 2023-01-07
Company: LEXISNEXIS
State: VA
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:
On XX/XX/XXXX I placed a dispute with XXXX I have requested several times for a letter showing proof. It's been 30 days still no evidence of proof. It will be 60 days by the end of XXXX. It is now XX/XX/XXXX, According to the consumer law I should be treated with fairness and have my credit report showing accuracy. I have requested several times for proof, with my signature with regional XXXX. A copy of the original lease or agreement showing my name and signature listed. You have wrong names listed on my profile and inaccuracy listed under my name. Next step will be to go to State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Car was repossessed and still had the high interest rate loan still owed had to file bankruptcy

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 2023-02-07
Company: Sunbit, Inc.
State: NJ
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:
XX/XX/2022 XXXX Credit Report showing 30 days past due..THIS IS INCORRECT..payment was due on XX/XX/XXXX, I paid on XX/XX/XXXX,. Just 7 days past the due date ... SUNBIT incorrectly reporting me to XXXX..I AM REQUESTING REVISION TO MY CREDIT REPORT AT ONCE!!! I HAVE NEVER BEEN 30 DAYS LATE EVER!!!

FURTHERMORE ... THIS IS THE 2ND TIME THIS HAS HAPPENENED IN RECENT MONTHS ... I want to be COMPENSATED for the damage imma monetary credit to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: CREDIT ACCEPTANCE CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Credit acceptance corporation does not take my phone calls in order to I obtain information about the account. 
I did the last payment online but the total amount owe is not reflected.

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 2023-01-07
Company: Berlin-Wheeler, Inc. (Kansas)
State: GA
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:
XXXX XXXX XXXX XXXX XXXX : in the amount of {$230.00} Reported : XX/XX/2022 I have disputed this account with this company several times and they have yet to prove validation of this debt. I have never had an account with them and i have not signed any contract and i do not owe any companies or have done any business with whom they are collecting on behalf of.

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 2023-01-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax report not showing up every time I login Im getting a code to call one of there representatives with which is XXXX and I still have t see any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08
Company: EQUIFAX, INC.
State: NJ
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. 

1.Validate Account XXXX XXXX XXXX Account Number : XXXX : 2.Validate Account XXXX XXXX XXXXXXXX Account Number XXXX XXXX 3.Validate Account XXXX Account Number:XXXX XXXX Account NumberXXXX Validate Account XXXX  Account NumberXXXX 6. Validate Account XXXX XXXX Account Number:XXXX Validate Account XXXX Account XXXX Validate Account XXXX Account Number : XXXX Validate Account XXXX Account Number:XXXX Validate 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: EQUIFAX, INC.
State: NJ
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.

1.Validate Account XXXX XXXX XXXX  Account Number : XXXX : 2.Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX 3.Validate Account XXXX  Account XXXX, XXXX Account XXXX Validate Account XXXX  Account XXXX 6. Validate Account XXXX XXXXXXXX Account XXXX Validate Account XXXX Account NumberXXXX Validate Account XXXX Account Number : XXXX Validate Account XXXX Account XXXX Validate 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: RumbleOn Finance LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My vehicle was in an accident several months ago and declared a total loss. For the XXXX insurance to pay the amount owed to the lender, they require a payment history. When you log into the account, it states that no payments have been made. Daily calls to RumbleOn achieve promises that the history would be sent by email. It never comes. It is not in SPAM. Multiple email addresses have been given to RumbleOn, yet nothing ever comes showing the payment history. 

RumbleOn is reporting the debt as late with the credit bureau despite receiving notice that the vehicle is a total loss and will be paid by the insurance. It is RumbleOn causing the delay in receiving the payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried reporting these account that doesnt belong to me but its on all my 3 credit burea. I only have XXXX  XXXX limit at {$500.00}, XXXX XXXX ( Closed ), and XXXX XXXX at {$6200.00} everything else is incorrect. 
XX/XX/2022 XXXX {$9400.00} XX/XX/2022 XXXX XXXX  {$120.00} XX/XX/2022 XXXX XXXX XXXX {$470.00} XX/XX/2022 XXXX {$1000.00} XX/XX/2022 XXXX {$150.00} XX/XX/2022 XXXX XXXX {$320.00} XX/XX/2022 XXXX XXXX XXXX {$520.00} XX/XX/2022 XXXX XXXX {$400.00} XX/XX/2022 XXXX XXXX {$1000.00}

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 2023-01-08
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Many time I send letter, disputed online and called to company and three bureau and explained the I am not open that credit I am victims and never received any right answer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: NEW YORK COMMUNITY BANCORP INC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was approved for the Housing Assistance Fund on XX/XX/XXXX in the amount of {$740.00} for 18 months towards my mortgage. My mortgage was sold from XXXX XXXX to Flagstar also on XXXX I took all the necessary steps to have the HAF payments redirected to Flagstar and confirmed with Florida HAF they had updated the mortgage information. Since that time, Flagstar has not applied any funds to my loan. I have contacted them on multiple occasions, phone calls on XXXX XXXX XXXX XXXX and XX/XX/XXXX as well as chat contact on XXXX. In my initial phone call, the Flagstar representative told me they had received funds but not yet applied them. In my follow up chat on XXXX  the representative told me they had received two payments in the amounts of {$740.00} and {$940.00} on XXXX  I thought the situation had been handled at that point, but none of that was ever applied to my loan. In my follow up phone call on XX/XX/XXXX, the representative told me they could not account for the {$940.00} and only saw the {$740.00}, which again was never applied to my loan. I was told a trouble ticket would be created and they would investigate where those funds went. During my phone call on XX/XX/XXXX, I was told by a representative that because I had made the current payment, all HAF funds would be returned to the state. I thought that was incorrect and was able to speak to a supervisor who told me that was not the case. She explained that the funds come in a lump sum and it takes a while to have them dispersed, but she could not confirm for me that Flagstar had received any funds from Florida at all. I was told an escalated trouble ticket would be created for their HAF team at that time. I was never given any updated status or resolution. I called again today, XX/XX/XXXX and was again told an escalated trouble ticket would be sent to the HAF team. However, this representative told me that they had applied HAF funds dating back to XXXX. That is absolutely not the case and is not reflected anywhere on my statements or their online transaction history portal. 
I have been trying to resolve this issue since XXXX. On top of being financially strained, I am stressed and extremely frustrated at the complete lack of communication and varying answers I have received. This needs to be addressed immediately.

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-09-17
Company: ERC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX/XXXX  MC with a balance of {$2000.00} was settled via phone conversation between XXXX XXXX  XXXX agent and XXXX XXXX  representative on XXXX for {$710.00} lump sum payment to be received by XXXX XXXX  on or before XXXX. {$710.00} was debited from reserve account with XXXX XXXX XXXX  on XXXX. Check # XXXX from XXXX XXXX XXXX was endorced by XXXX XXXX on XXXX. PLEASE NOTE the account of origin for this check.. this was not a personal checking account, but a reserve account that would have only been in place to serve in debt consolidation efforts. This was a settlement payment! Check was incorrectly posted by XXXX XXXX as a payment on the pre-settlement balance rather than accepted as the settlement payment in full. ERC Collections notice, received XXXX ( 4 years later! ), stated that the account remains unpaid with a balance of {$1600.00}. Copies of settlement agreement, reserve account debit, and endorsed check mailed to ERC Collections on XXXX. ERC Collections notice, received XXXX, states that payment of {$840.00} will settle the account for less than full balance. 

This account was settled in XX/XX/XXXX. No further settlement terms are needed or secure.

Company response to consumer: Closed with explanation