BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
chase complaint 3 DAY DELAY IN ELECTRONIC FUND TRANSFERS IN EACH OF 3 TIMES. 



XXXX I have been having a problem transferring money from XXXX XXXX to CHASE checking account beginning in XX/XX/2023. In each of XXXX instances, dated XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX, funds deposited electronically, which should generally be available by the business day after the banking day they were deposited, were not available until five business days later. This transfer was initiated by me on the Chase site. Each time I scheduled funds to leave my linked XXXX, " XXXX XXXX '' account and arrive in my Checking account at Chase. 



Hours of calls were met with sympathetic agents, promising to escalate the problem, however the complaint eventually became closed with no resolve. 



One of Chase 's suggestions was for XXXX to investigate, since they were the sending bank. XXXX did investigate and did get back to me the next day. XXXX 's investigation was complete. They found that after initiation on each of three transactions, the transfer transactions were completed and settled the very next day. I was also informed that the burden of proof regarding the path of the money during the transfers, and why exactly it took five days to accomplish, is strictly on the receiving bank or JPMorgan Chase. 
I asked Chase multiple times to provide the path of the funds from the 2nd to the 5th day and have not heard back with a satisfactory answer, except possible security measures. Further, was not able to reach the research agent via phone or via security email on two different browsers. It seems that the complaint gets to the " research '' department and is lost. 



I would like to find out what happened three times to the funds in the past and be assured this will not happen in the future! 



My last correspondence was with the executive offices. After two more weeks of waiting after speaking to XXXX, I was assured that Chase was operating within the guidelines in the agreement although I asked multiple times at the branch level, at the customer service level and at the executive level, to provide the document referring to timeframes for bank to bank transfers. This was never be provided to me. 



The only assurance given was the contact information for the executive customer service person I spoke to, XXXX. I was instructed to contact her immediately at the next instance of any sign of trouble. 


Various Chase case numbers can be provided upon request. 
XXXX XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Chase XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacts XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
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:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting ActXXXX XXXX XXXXXXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX bankruptcy discharged Reference number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX 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 The following accounts are all fraud and need to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Northwest Acceptance Corp. Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My partner and I have been called everyday ( calls both of us one after the other ) for XXXX weeks though we have spoken to them about accounts being locked and have made a payment, our lender keeps calling and claiming that she will repossess our vehicle and at this point it is harassment because she calls multiple times and is rather rude to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: NJ
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 previously try to get the credit agency to look into an unverified account, but all they do is sent me back an account that they said it was verified. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Also. 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 instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items or information any other adverse item of information, other than records or convictions or crimes which antedates the report by more than seven years.

Too many violations to my rights. if this keeps going, my only option would be to seek monetary compensation for the damages done to me. I demand the following accounts be verified or removed immediately. I will also attach identity theft report from the FTC 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 2022-06-28
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX of XXXX  i sent in dispute letters to XXXX, XXXX and experian. After learning more about my rights as a consumer, i obtained a copy of credit report the month prior to disputing. I noticed multiple inaccurasies which i detailed in my dispute letter, not one response was made from my dispute letter.

Each of these accounts violated, 15 usc 1681 e b- accuracy of a report, whenever a furnisher reports any information on behalf of a consumer ( me ) it shall follow maximum possible accuracy. Because these accounts have multiple inaccurasies, i demanded them to be removed because they were in violation. To add another reason why these accounts need to be removed from my credit report is each account violating 15 usc 1681 b under permissible purposes i never any of these accounts any written consent to report anything to my consumer reports and because i didnt consent that means fraud to me. 

XXXX XXXX XXXXXXXX XXXX XXXX-Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DeptedXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: OR
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:
Experian refuses to do a proper investigation, and or remove this erroneously reporting account from my consumer report. These errors are costing me money with higher than justifiable interest rates, and outright rejection for certain business opportunities. I have disputed with Experian on or about : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX including asking for their " method of verification, '' and specifically who they communicated with at original creditor so that I can personally follow up. They just gave the usual, generic response that everything is " verified '' although it is clear from a precursory glance that this has reporting errors. Furthermore, I have also sent them credit reports from the other Bureaus, XXXX, and XXXX, that shows that this same account is reported differently and also erroneously, to the point were it has been removed already on XXXX, and still under review by others. This account needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
Company: Resurgent Capital Services L.P.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Resurgent Capital Debt have sent unauthorized text messages to a number I do not own or have access to. Cease and Desist contacting this number and send any correspondence of any alleged debt to mailing address. The owner of the phone wants all communication to cease and desist on there number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: MI
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 Report Act XXXX  Account stating : ( XXXX XXXX ), has violated my rights. 

In Accordance with the Fair Credit Report Act XXXX  Account stating : XXXX XXXX XXXX XXXX XXXX -LATE PAYMENT ) 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 2022-11-30
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
XXXX XXXX and XXXX are ruining my life. My report has been compromised and used illegally without consent and permission. XXXX XXXX XXXX. and Portfolio Recovery associates have illegally accessed my report without consent. I have the right to privacy and have never given anyone written permission to furnish these accounts. My rights have been violated and laws broken. I will contact my lawyer and sue is these derogatory marks are not removed. XXXX and Portfolio are not legally allowed to collect in Pennsylvania. This is identity theft and harassment as well as a violation of my rights and consumer law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. The law states that if after any reinvestigation, under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. In accordance with the Fair Credit Reporting Act below, the following accounts have violated my rights : 15 U.S.C. 1681, Section 602 A. States : I have the right to privacy 15 U.S.C. 1681, Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666b : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason PERMISSION WAS NOT GIVEN TO FURNISH THIS INFORMATION

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 2022-04-25
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the ( FCRA ) Fair Credit Reporting Act, XXXX XXXX XXXX  AZ 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: CCF Intermediate Holdings LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I will provided attached documents that shows all violations. First off once the debt was sold to XXXX the contract became null and void, I did not ever give XXXX written concent to report on my credit. The letter they provided via my dispute states if I want to communicate with them I can contact their attorney. The origional company stated under Lender is different from what is on my report. The Principal amount on the contract is different from that of what is owed on my credit. The date of account opening is also different. Thats 6 violations at {$1000.00} per violation acording to The FDCPA. I am also demanding {$5000.00} in damages from the impact of the derogatory report on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: EQUIFAX, 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 received a copy of my credit report and I have found the following account listed below to be in error. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under LATE OPEN and consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX Balance : {$9500.00} Date Opened : XX/XX/2007, XXXXXXXX XXXX XXXX XXXX Balance : {$47000.00}, XXXX XXXX Balance : {$3700.00} Date Opened : XX/XX/2007

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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  Account # XXXX, account ID # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I was checking my credit reports with freecreditreport.com and notices my XXXX XXXX account is NOT on my report again!!!!! This happened last year XXXX time and I had to contact XXXX and your office and the credit reporting agencies to fix it!!! They claimed at that time that XXXX had been hacked or something!! I need my car payments reported, as I don't have that many loans!!! I have had the loan for XXXX almost XXXX years and need it showing on my reports, all three of them!! The report I am viewing is Experian so it is not on that one and they need to also make sure it is showing correctly on my XXXX and XXXX reports!!!!

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 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I am writing to dispute the following information that appears on my consumer report. 
Dispute : TransUnion Acc # XXXX Acc.XXXX XXXXXXXX XXXX # XXXX Acc. XXXX Credit Bureau : TransUnion Date of Inquiry : XX/XX/2021 XXXX XXXX Credit Bureau : TransUnion Date of Inquiry : XX/XX/2021 XXXX XXXXXXXX XXXX XXXX : XXXX Date of Inquiry : XX/XX/2021 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 2022-11-30
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
[ XXXX ] Your Venmo account has been suspended, because we've detected suspicious activity on Venmo your account. 
Recovery your Venmo account immediately by click link bellow : https : XXXX Please take action on your account within 48 hours to avoid permanent suspension. 

Best Regards, Venmo. Inc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions 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:
Experian I filed a fraud report with the XXXX and CFPB they are government agencys That is all that I need to do XXXX XXXX XXXX AND XXXX  state they will not take it, Not sure if XXXX XXXX  XXXX stated any thing because they sold to XXXX  and letter came through XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am disappointed with the denial letter and an appealing it. You have done a bait and switch we me and other cardmembers that may have had issues during Covidshame on you. 
Unsatisfactory payment history? Really? Since XXXX I have only been delinquent when I asked you for payment arrangements at the beginning of XXXX when I was out of work other than that 94 % of payments on time. You did not clear the past due payment for 3 months, even though an arrangement was in place. You caused the multiple delinquencies! 
Called in XX/XX/XXXX when I knew I could not make my payment. 
Enrolled in program XX/XX/XXXX Was XXXX payment delinquent! 
XXXX XXXX shows auto pay, but still delinquent for XXXX payment XXXX XXXX shows auto pay, but still delinquent XXXX payment XXXX XXXX shows current payment and auto pay. You made a change to bring the account current. You did that. 
You are also the only creditor that permanently closed my credit line when I asked for payment arrangements. None of the others did that. Also, I was running balances on the XXXX XXXX and XXXX accounts at the same time, and they were never delinquent! So, your denial reason of Unsatisfactory Payment history with Synchrony Bank is bogus. 
I enjoy shopping and XXXX and would hope that they are aware of your awful customer unfriendly credit practices. They lose customer spend when you do this. 
Please reconsider my request for a card. Which should be a reinstatement, not new credit.

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