BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a business account in JP Morgan chase. The bank account # is XXXX. 
On XX/XX/XXXX I made a deposit of a check in the amount of {$25000.00}. The deposit was made through a cellular application. Chase accepted the deposit and wrote a remark that the check will be cleared by XX/XX/XXXX. 
On XX/XX/XXXX the check was cleared and the amount of {$25000.00} was added to the account balance. 
On XX/XX/XXXX I received an email from Chase Integrated Payment that the account is permanently closed because the account is susceptible to a high chargeback. I called the Chase Customer Service department. Their response was : " It was hard for us to read the the name of the issuer of the check, therefore we decided to close the account ''. 

My complaints are : 1. Chase never contacted me to tell me that there is a problem with the check. They completed the process, cleared the check and suddenly closed the account without giving me a advanced notice. 
2. Chase keeps the {$25000.00} and will not return it until I show up in a chase branch with the original check. Since I am on a business trip, I will not be able to come to a Chase branch until the end of XXXX. I am not even sure that I will be able to find the original check. 
3. Chase made the deposit and gave enough time the check to clear. They didn't try to contact me either by phone, nor by email or a letter. 
4. Chase closed my business account without a warning. Now suddenly, I do not have an account to continue running my business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$50.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$790.00} XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) XXXX and Equifax are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 )  appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$15000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$630.00} ; ( Original Creditor : XXXX ) XXXXBalance : {$610.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1400.00} ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: OneMain Finance Corporation
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took out an instalment loan in XXXX. I was also sold insurance to protect and pay the loan if I lost my employment and was no longer able to pay. This did happen in XXXX. I became medically ill. I provided the company with all my documents. The company started to repay the loan through the insurance I purchased but they stopped. 
I spoke with an Agent at XXXX the collection agency for the company and I was told oh they stopped paying so the debt is yours and we will continue to report that you owe. I was told my insurance on the loan no longer covered. I did inform the agent that I was filing a complaint for deceptive practices. 

I also requested a copy of the insurance policy I purchased. I never received any of the documents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This complaint is directly related to a prior complaint Submitted to the CFPB on XX/XX/XXXX. The direct link to that complaint, which was resolved and now closed is https : //portal.consumerfinance.gov/consumer/s/complaint-detail # XXXX I have recently been contacted again by another debt collection agency named I.C. Systems for the same Account with XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX is continuing to initiate fraudulent claims via debt collection for monies that are not owed to them. The bill in questions was paid on XX/XX/XXXX in the amount of {$150.00}. 

I spoke to I.C. Systems on a recorded line twice today ( XX/XX/XXXX ) about the issue and they refused to provide an email address where I could send proof of payment to resolve the claimed issue. I.C. Systems instead proceeded to collect the debt even after I clearly explained that I had previously resolved the issue by making a final payment to XXXX XXXX XXXX and also via my initial complaint against XXXX XXXX the first debt collector. XXXX XXXX confirmed via their response back to my complaint # XXXX. They stated : " Thank you for your submission. The account in question was placed with XXXX XXXX and was recalled by the client XXXX. '' The client here is XXXX XXXX XXXX XXXX. They have now commenced another debt collection against XXXX XXXX XXXX via I.C. Systems for the same account number and amount. I personally spoke with two representatives of I.C. Systems to ask them to cease with the debt collection because their actions are complicit with XXXX XXXX XXXX XXXX who is not entitled to any monies, they are claiming is owed to them. XXXX XXXX XXXX paid the debt on XX/XX/XXXX as shown on the attached receipt we have included along with a copy of the debt collection notice from I.C. Systems. This is the second debt collector regarding this matter.

XXXX XXXX XXXX is continuing to be harassed by the continued debt collection notices and actions of XXXX XXXX XXXX XXXX through the I.C. Systems debt collection agency. Both are complicit in their actions, against XXXX XXXX  XXXX and it needs to stop. 

Every day that this issue is unresolved is timely and costly to XXXX XXXX XXXXXXXX and we wish this fraudulent claim to be put to rest for good.

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 2023-01-12
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: Their investigation did not fix an error on your report

Complaint:
I have submitted two letters in XXXX and XXXX of 2022 to TransUnion asking them to remove a charged off account off my credit report and asking them to send me documentation that I originally signed for this account. They have ignored my requested by updating the account on my credit report stating that they verified the account without any documentation supporting this account. I have also asked them to remove any inquiries dating past 30 days that doesnt hold any accounts on 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 non-monetary relief
Consumer complaint received 2022-12-03
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
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:
15 USC section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan a late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This letter is to delete and update some personal information that is on my credit report ; because it is incorrect, neither it does NOT belong to me. The only addresses that should be showing on my credit report are XXXX XXXX XXXX, XXXX MI, XXXX, and XXXX XXXX XXXX XXXX XXXX ARIZONA XXXX. The name XXXX XXXX is incorrect and needs to be REMOVED. The only telephone number that belongs to me is ( XXXX ) XXXX. The only job that should be reporting is XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE ANYTHING THAT IS INCORRECT OR THAT IS NOT MENTIONED ABOVE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: OPORTUN FINANCIAL CORPORATION
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have contacted Oportun aka XXXX numerous times. I attempted to pay off this loan by using a balance transfer from XXXX. XXXX electronically sent funds in the amount of {$4100.00} on XX/XX/2022. As of this evening, my account has yet to be adjusted as paid in full. They continually tell me that the funds were NEVER received. I have submitted numerous documents from XXXX, but Oportun continues to reject my attempts to clear up this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission.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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
15 U.S.C 1681 section 602 A. : States that 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 permission in written instruction.

15 U.S.C 1692 C : Without the prior consent of the consumer given directly to the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: NC
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 tried on multiple occasions, to dispute the inaccuracy being reported on my credit report from a collection agency, XXXX XXXX, with regard to a previous account with XXXX XXXX XXXX in XXXX XXXX, CA. 

I moved in the apartment at XXXX XXXX in XX/XX/2019. I paid a security deposit of {$4300.00}. My rent was {$2100.00} monthly. 

I moved out in XX/XX/2019, with 2 months of rent owed in the amount of {$4300.00}. 

I should only owe {$80.00} to XXXX XXXX, as they kept my entire security deposit when I moved out. I never received any itemized bills stating that there were any damages, so the entire {$4300.00} in security deposit fees should have taken care of my balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the XXXX law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission to release my medical information to a third party I am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it XXXX be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute listed below : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the fair credit Reporting act XXXX  Account # XXXX XXXX XXXX account number # XXXX has violated My rights 15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under al open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I deposited a {$40000.00} check at Chase, and they immediately restricted my account and my access to all of my funds, not just the check. After a month of exhaustive attempts at getting Chase to verify the check, they closed my account. They refuse to return the money to the funding bank, they have made us jump through every hoop imaginable, just to say no again. We are fairly confident that Chase is committing fraud against me. Even after closing my account, they are still holding onto the funds despite XXXX requesting them back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 do not believe that an investigation was done because there are still unauthorized inquiries on my report. I have already filed a report and sent letters to the credit bureaus 7 months ago explaining that the inquiries being reported are not correct. I will attach the letter with this complaint. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove the following from my Transunion report immediately : XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX is duplicate but an actual account ***** XXXX  XXXX Inquiry XXXX XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX **** XXXX  is accurate but duplicate Inquiry *** XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/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