BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-16
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Back in XX/XX/XXXX2015 my Chase credit card was compromised. I made several attempts to contact Chase but due to very long holds ( over 10 minutes each time ) i was forced to use the online platform. I informed Chase my account has been compromised and to close the existing account immediately and would make another attempt to contact them via phone. After more unsuccessful attempts I emailed Chase again a few hours later clarifying what happened and to resubmit me a new account with a new account number. Here is what followed : -Chase refused to provide me with a new account, this decision was made well prior to completion of investigation, violating our contract. 
- Chase provided untruth statements and without proper authorization submitted a brand new credit application. XXXX Chase has since acknowledged wrongdoing and removed the credit inquiry XXXX -I put Chase on notice via USPS and direct email correspondence payments would no longer be made until this account was rightfully resolved in compliance with our credit card agreement. 
- Further, I warned Chase about reporting inaccurate information to the credit bureaus concerning this account. 
- In spite of my clear communications Chase has reported this account as late to the credit bureaus. 
Due to Chase 's continued disregard for the law along with their reckless and deliberate violations the following damages have taken place. 
-My auto insurance increased XXXX monthly. 
- I have been denied a mortgage therefore unable to purchase a home- I have been denied credit- Most severely, I had a work promotion taken away by my employer XXXX XXXX after only two weeks of earning it. The promotion had entrusted me with personal and sensitive information of XXXX Michigan residence. The promotion also came with a monthly salary XXXX higher than what I was currently making. 
Next week I intend to file a lawsuit and will keep you posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: JPMORGAN CHASE & CO.
State: ID
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was solicited by Chase to apply for for their new Slate card that offers very good terms o balance sheet. I read the reviews and it appeared to be a very solid card. I even scanned the terms and conditions. I applied for the card only to realize that they will not transfer balances on other Chase accounts or cards. This should be made very clear up front. I immediately closed the account and have tarnished my credit score because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
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 # XXXXXXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Comerica
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hello I received a letter in the mail dated XX/XX/2022 stating that I had opened a new checking account with Comerica Bank. I did not open this account. I called them to alert them of the fraud. They stated that they had already flagged it and closed the account but suggested I also report it to you and the credit companies, which I have done. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was informed by an official of the bank ( Citizens Bank XXXX in Delaware in XXXX 2013 that since I have my XXXX-weekly check direct-deposited into XXXX of my accounts, I will not incur any charges whatsoever regarding balances etc. but surprisingly, the bank has stealthily resorted to charging over $ 4 monthly for almost a year claiming the balance on XXXX of my accounts is less than {$200.00}. This is quite deceptive and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have never had an account of any kind with XXXX. I have been a customer of XXXX for over 10years. I believe the att inquiry is a result of presumed identity after my wallet was misplaced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon successful paying off personal loan with XXXX XXXX ( {$15000.00} as of XX/XX/2022 ) XXXX has noted payoff and score has increased XXXX points, not so with Transunion, I filed dispute over 3 weeks ago and almost 30 days! Not only has my score dropped due to some credit card expenses but loan amount is still showing up!!! Transunion quickly lowers scores if any credit charges are made!! This is ridiculous!! My XXXX scores at XXXX points higher and are up to date compared to Transunion.

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 2022-05-31
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 XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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: Card was charged for something you did not purchase with the card

Complaint:
Contacted capital back in XXXX and XXXX to resolve purchases made, someone would pay an amount to purchase something at XXXX and other various stores. I contacted capital one numerous of times and could never get the help i needed for the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
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:
Upon challenging XXXX XXXX XXXX - XXXX ; account Equifax, XXXX and XXXX did not properly verify all reported information being accurate. But how is that possible if the Last reported is inaccurate, Date of Last Activity, Date Opened is inaccurate and Date of last payment is inaccurate. Are they not practicing Metro 2 Compliance? This is a clear FCRA violation and is grounds for deletion. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true Once again I am requesting the information you used to verify this account in writing. Ive asked for this information several times but XXXX has failed to provide any documentation. Once again please provide 1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and XXXX XXXX XXXX ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow XXXX XXXX XXXX - to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all inaccurate information. '' Also In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: CBC Companies, 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:
It has come to my attention, after reviewing my online credit bureau report, that continued requests for removal of items that have not been authorized by me are still entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. This is an immediate, fifteenth request for removal and blockage of incorrect information. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute every 30 days for the removal of this information. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 
Id like to know how and why your company has added credit accounts to my report that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I've sent several disputes about these inquiries I never authorized. 
these inquiries are Fraudulent on my report. I'm a victim of their inquiries issues. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX - {$790.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within XXXX days of XXXX/XXXX/2016 please remove accounts 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 2022-05-31
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14
Company: Credit Karma, LLC
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have not applied for credit at multiple institutions that are stated on my credit report as a hard credit inquiry.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America gave me trial modification and said I qualify for this plan but later they changed their decision!!! 

Despite my numerous attempts and requests to Bank of America, they still refuse to clarify why they are not finalizing my third trial loan modification.They also failed to call me back despite many messages that I have left them. 
Their excuses for denying completion of my modification is very unreasonable. They gave me trail modification but refuse to make it permanent!!! 

In their letters dated XXXX XXXX, XXXX and also XXXX XXXX, XXXX, Bank of America confirms they have received the form XXXX from me to obtain the tax records from IRS. They should have no problem obtaining these records, as I have filed all my tax returns for the years in question ( XXXX and XXXX ). I have provided all tax records for all previous years to B of A. 
Bank of America keeps repeating the same unreasonable excuses in order not to finalize my trail modification!!! 
They claim that in XXXX they could not obtain my taxes from IRS. This could be due to many potential factors such as : IRS mistakes, miscommunications, etc. 
Fact of the matter is that I have these returns and they have been provided. I can provide it again if needed. 
It is very unfair that the lender has issued XXXX trail modification which proves I am qualified for this program, but they refuse to issue the final modification. 
Bank of America is giving responses that are full of contradictions and false background information. They claim tax returns were missing then but they have them now! If the tax documents are available to Bank of America, then there is nothing missing now. They need to stop this nonsense of a vicious cycle of mixing a file from XXXX with another file from XXXX. 
They say I qualified for modification in XXXX but because of previous questions of the XXXX file, they are refusing my final modification! 
This is total nonsense and very unfair! They can help me save my home, yet they insist on not helping me! 
Bank of America in its letter says XXXX XXXX is the contact person, but he has not responded to any of my XXXX messages!!!! This behavior of B of A is very unfair and even shameful to treat me and my family in this reasonable manner. Who should I talk to about this matter?

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
Consumer complaint received 2017-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
as my statements on my account show. The bank has been charging me processing fee, after processing fee. Dispersing money constantly from my account. Week after week. I have been stressed over the matter. And would like something to be done about it. Requested that they put a stop on overdraft fees. and they still continued to overdraw me. I felt as if they have stolen money from me. Purposely.

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 2022-05-31
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Sent three payments of {$1600.00} each for rental of apartment at XXXX XXXX XXXX XXXX XXXX in XXXX, Connecticut for first month rent, last month rent and security deposit from XXXX XXXX ( fake name ). The XXXX payments were to XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ). We found out on XX/XX/XXXX there was no apartment to rent. Citi not likely to reimburse us based on their comments to us.

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 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-03
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
In 2013, Scottrade Bank illegally offset my Scottrade bank account when conspiring with their affiliates Scottrade XXXX and as a result violated numerous provisions of California FINANCIAL CODE SECTION XXXX. 

I have requested Scottrade Bank provide me information about how to file an arbitration case against Scottrade Bank and clarification over the arbitration procedures, potential conflicts, and problems, however, Scottrade Bank has not responded. 

I would like Scottrade Bank to provide me with a copy of the original arbitration contract and full instructions on how to file arbitration against Scottrade Bank.

Company response to consumer: Closed
Consumer complaint received 2020-08-19
Company: N26 Inc.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I contacted N26 regarding a fraudulent charge to my account. I was told 10 days to resolve. Today is the 12th business day, and all I keep getting is the run around. Ive been told 13 days, 18 days.. and that theres no way to contact a dispute department. How is there no way for them to contact an internal department to provide me ( the customer ) with more information? Each new representative tells a different story. Ive even been told new procedures went into effect and at this point, someone needs to intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
I submitted a mailed check to Bank of America for my credit card payment on XX/XX/2016, but I do not see that it was applied to my account. Now my credit report shows I 'm delinquent on my payment. I do n't always mail my payments to Bank of America, but when I do n't have access to online payments then it should still be a reliable source. I travel XXXX for work, and I do n't always have access to my online account to monitor that my payments were processed. In this case, I 've been in XXXX XXXX, with spotty internet access. I 'm just now seeing that my payment was never applied and my credit report shows I am delinquent.

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