BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a fairly new account with Chase bank - did a mobile deposit on a check for {$1000.00} that was wrinkled - they held it for 2 weeks I wasnt given info as to why though I called several times. At the end of 2 weeks it showed as available but I was unable to access it via XXXX or my debit card though the account appeared to be normal as far as I could tell on the mobile app- nor was I able to make a mobile deposit. I called and the after hours person thought it would be ok the next day. The next day my account was *gone entirely* No notifications via phone, email, or the banking app. I called again and after a lot of digging around, was told my account was closed for suspected fraud and I would be receiving a check from the bank containing my funds. 

When the check arrived it was for {$19.00} - the {$1000.00} was missing. The person who wrote the check to me said it showed as having cleared her account. 

I called the customer service Again and was told that the check writer, would have to go in person to a branch and verify she wrote the check to me. She did. Still no money. I called again and they had no record of her having gone in to a branch on my behalf. She went again and was assured that it was recorded to the check and my account ( which I no longer had since they had cancelled it without notice, but I do have a car loan with them ) I waited another 2 weeks with no check incoming. I called again and asked for a supervisor and was told it would not do any good as the check writers authorization was not recorded to my account in any way. She went in a third time and asked for the money to be refunded to her account and was denied saying I would receive the funds. I have not, and continue to be told she hasnt authorized the check as having been made out to me - while shes assured by the local ( to her ) branch that she did ( her bank is not chase ). 

This {$1000.00} is in chase bank possession and it seems there is no way to get it. 

I even requested they put the funds on my car loan rather than mail a check. My loan instead went into default. 

This is ridiculous- they need to release the funds to one of us the check writer or to me the check receiver! 

There was nothing shady about this transaction on my part in any way other than the check had been in my pocket for a day and was wrinkled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After looking on my credit report, i've noticed accounts that in my name with my authorization. My information was available on the dark web after my identification was stolen. The companies below have not acknowledge the fraud on these accounts. 
XXXX XXXX XX/XX/XXXX {$7600.00} XXXX  XXXX XX/XX/XXXX {$13000.00} AFFIRM XX/XX/XXXX {$2500.00} XXXX  XX/XX/XXXX {$870.00} XXXX XXXX  XX/XX/XXXX {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
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 Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: CITIBANK, N.A.
State: MN
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: Overcharged for something you did purchase with the card

Complaint:
Hi, I'm disputing a hotel charge from " The XXXX XXXX XXXX '' booked on XX/XX/2022 for {$770.00}. Our actual scheduled stay was for XX/XX/2022 through XX/XX/2022. 

My wife and I booked a 3 night stay for our honeymoon but had to leave before staying the first night due to black mold/no AC in our room. We stayed zero nights in the hotel and had to book new lodging last minute after traveling for 24+ hours. 

After our honeymoon, I tried contacting the hotel and received little to no response via calls and emails. I then tried a dispute with my credit card Citi bank but they said I needed to contact the hotel. I tried to contact the hotel again but again no response. 

Can you help us out? This put a huge damper on our honeymoon.

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 2022-06-09
Company: UnBanked
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
i was suppose to get my unemployment and my ex sister n law went to check my mail and i guess she stole my card i didnt even know i had one until i got a letter in the mail i dont no how tpo get into the account are if she stole my money that was supposed to be on there to and if she did how can i go about getting it back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: SANTANDER HOLDINGS USA, INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On about XX/XX/21 I initiated a consumer credit transaction with my social security number, also referenced by congress as a credit card, pursuant to 15 USC 1602 ( l ). The term credit card means any card, plate, coupon book, or whatever credit device existing for the purpose of obtaining money, property, labor, or services on credit. The purpose of this consumer credit transaction was to obtain an automobile, I was denied access to my open ended credit. As a consumer, natural person, and original creditor, I have an open ended credit plan, it is unlawful to deny me my own credit I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non compliance pursuant to 15 USC 1681o , 15 USC 1640,15 USC 1691e . Further more pursuant to 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ''. A denial of my open ended consumer credit constitutes to discrimination. Pursuant 12 USC Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have been scammed by a person who said they were the owner of the property that I was going to be renting as my primary residence. They used the owners identity and information to scam me out of deposit and 1st month rent total of {$3200.00}. They said I needed to send money to secure home. I sent money via BMO Harris bank XXXX app through my account. I went to meet said person for the keys on moving day to find out I had been scammed and the money I send to the finance manager was a fraud. I filed police report and filed dispute claim with BMO harris like I was told. The bank did not even wait to receive my written claim with all my evidence along with the police report number since I pressed charges. They denied my claim saying they dont deal with authorized push payments even though I had clearly been scammed and the money I thought was going to the real owner was to a fraud. 
The dates I was instructed by fake XXXX XXXX to sent money were as follows to XXXX XXXX ( financial manger ) XX/XX/22 {$100.00} application fee {$1500.00} deposit fee XX/XX/22 to move in early XX/XX/22 due to work schedule I was told to pay {$1300.00} 1st month rent {$150.00} dog fee The fake XXXX XXXX was in contact with me the whole time and said the previous tenants couldn't get out by the XXXX but I could meet him at XXXX on XX/XX/22 to get keys. We were in contact until that morning when I went to move in and found out it was a scam. I filed police report with XXXX XXXX that morning number : XXXX. I called bank right after and filed claim. I had did a been verified check on XXXX XXXX before I filled out application on XX/XX/22 to make sure I was in contact with the real owner. Unfortunately that was not enough to prevent this fraud from happening. I used my savings to secure this property and now have no means to secure a another place to rent.

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 2022-08-23
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX8 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-23
Company: Experian Information Solutions Inc.
State: UT
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 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 instruction.

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 2022-06-09
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
DENIAL OF GUARANTEED VA LOAN TO COMBAT XXXX VETERAN : I wish to report that I was denied my request for a guaranteed home loan on XXXX XX/XX/2022 by navy federal cu. I was approved and then disapproved ( as stated by the underwriters ) that I was not qualified. Reasons provided were income debt to ratio and failure to meet occupancy. I am not certain how a barrower can " Fail '' the occupancy test without actually moving into the property. Secondly, the bank loan officer continued to ask personal questions regarding my purchase. I requested validity to the questions ( in writing ), but neither the loan officer or the underwriters responded to my request. The loan officer repeatedly called me and would NOT respond to my questions in writing. This event ( denial ) occurred exactly one week before closing on the home. I am sure that this matter is a violation under the Fair Housing Act. I will be submitting this memorandum to my Congressman and Senator. Additionally, I am seeking Counsel and will be filing like complaints with the VA and HUD. I eagerly look forward to hearing from your office. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX )XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, 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 XXXXBalance : {$0.00} XXXX XXXXBalance : {$420.00} XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXXBalance : {$1900.00} XXXX XXXX Balance : {$0.00}

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 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$8500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$290.00}

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 2022-07-30
Company: EQUIFAX, INC.
State: VA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX VA XXXX XXXX ) XXXX Balance : {$8500.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX VA XXXX XXXX XXXX ) XXXX Balance : {$90.00} XXXX XXXX Balance : {$90.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2022-12-07
Company: ALLIANT CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022, I provided Alliant with the correct routing and account number to perform a transfer from my XXXX checking account to an Alliant Savings account. It was for {$200.00}. On XX/XX/2022, I received notice from this business claiming the transaction was reversed due to invalid account information. I did NOT provide invalid information. I have had this XXXX account for 30 years! I never entered a wrong routing or account number. I have used this account from XXXX numerous times over 30 years to pay bills online and do account money transfers. Obviously, this is a processing glitch on the part of Alliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Spring Oaks Capital, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
You are reporting this collection as an " open account '' which is not under FCRA compliance This is inaccurate reporting and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: AR
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 : FIRST PREMIER BANK XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX has violated my rights. 15. U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I have not issued any written consent or instructions for this to be listed on my consumer report. FURTHERMORE, THERE IS NOT AN ACCOUNT NUMBER REFERENCED ON THIS ENTRY ON MY CREDIT PROFILE AND IS IN NO WAY VERIFIED TO BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions 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:
I ordered a copy of my report in XXXX on XX/XX/22 and I found out that creditreporting agencies still indicate my dispute of information in my credit report. As of todaysdate, 3 Credit Bureaus has not responded to my dispute. According to the Fair CreditReporting Act, the Credit Bureau must complete their investigation within 30 days. Pleasecheck payment history, date open, last activity and Status of the following accounts thatwere reporting in error. 
XXXX XXXX Balance : {$0.00} ; DEPTOF EDUCATION/XXXX  XXXX Balance : {$6700.00} ; DEPT OFEDUCATION/XXXX XXXX Balance : {$5100.00} ; DEPT OF EDUCATION/XXXX Balance : {$5100.00} ; DEPT OF EDUCATIONXXXX XXXX : {$2000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX  XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX {$0.00}

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 2022-07-30
Company: JPMORGAN CHASE & CO.
State: TX
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:
On XX/XX/XXXX, I went to a gas station to fill up my pump, I was charged {$150.00} for filling up XXXX gallons of gas ( XXXX XXXX XXXX ). However, I drive a XXXX XXXX XXXX that has a maximum tank capacity of 14.5 gallon according to XXXX 's owner manual. So, this clearly shows that my tank does not have the capacity to fill up XXXX gallons of gas. Moreover, the gas pump did not fill up my tank at all and it was sitting at the previous level ( less than 1/4 of my tank ). I tried to talk to the store manager about the skimmer device and she didn't take my saying and suspect me of stealing gas. Then, I filed a fraud dispute with Chase and Chase didn't help me solve the issue.

Company response to consumer: Closed with explanation