BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-16
Company: JPMORGAN CHASE & CO.
State: IL
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:
I am someone with perfect credit history & uses my checking account on a weekly basis but this did not stop chase bank from holding my money for over 3 yes 3 WEEKS stating my account at first was pending until the Wednesday of the following week only to close my account with no explanation it has been already 2 week since that date & they still have yet to send me the check from the couple thousand I had in there it is now Saturday night & the rep I spoke to on the 24hr hotline was the one who informed me the check has still not been sent?! Then once the check sends they say it takes 7-10 buisness says so they put my account on hold for 2 weeks only to close it unbenouned to me & then they are taking a week or more to send the check making this 3+ weeks of waiting for MY HARD EARNED MONEY I have been a customer for over 8 years with no issues they have also made it impossible to access previous bank statements which are needed stating I need to waste more of my time they have already stolen from me to go into a branch to speak to them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I made a mobile check deposit on my phone into my personal account. The check was made out to me for {$1500.00} from my employer. In error I posted the check in question for {$1000.00} instead of {$1500.00} to my checking account. Bank of America caught the error in their system and made the correction on my behalf. They sent an email to confirm. However, Bank of America decided to hold funds for an excessive amount of time, 9 days until XX/XX/2023. I checked with my employer who have informed me the funds were cleared XX/XX/2023. I reached out to BOA and spoke to manager XXXX # XXXX. I explained to him it was an error I had made on the mobile app system and that the funds were needed to pay my mortgage which is now late. I also requested documentation in their policy where they could legally hold funds that long. I got no answers and insisted I have to wait til XX/XX/2023. This is a financial hardship for me. Can anyone help.

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 2023-04-17
Company: Lewis, McDonnell & Associates
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Company contacted my sister stating that they were trying to contact me regarding legal documents needing to be delivered on XXXX. I contacted the company and provided a reference number. I spoke to a representative whonstated that the attorney that was handling my case was in a meeting & gave her permission to give me information. She stated that yhey are an attorneys office ( Mcdonell & associates ) & they have filed a lawsuit against me which I will have to go to court or settle the payment. They emailed two documents to sign. The second document stated that THEY ARE A DEBT COLLECTOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: AL
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:
My personal information can't be verified denied me annual report update Experian credit report they refuse to up my credit score instead keep getting denied credit cards an loan 's due unfair credit report agency illegally fraudulent activity

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 2023-03-02
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
For the Month of XXXX, 2022, I was late making a payment on a new Regions Bank credit card that didn't show on my Region 's account online. The credit card was in my name and ended in " XXXX ''. After contacting Regions, they stated that even though my name was on the card, because this account was " Joint '', only my mother could access the account for making payments. They went on to say that there was nothing more they could do regarding the credit mark. The amount owed was around {$1000.00}, and was paid off the following month.

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 2023-06-07
Company: Experian Information Solutions 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 XXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX  account XXXX XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX XXXXount # XXXX, 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 an account without 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 2023-08-22
Company: Experian Information Solutions Inc.
State: MA
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 just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affecting my life and finances specially from getting access to different forms of credit. Please help me to delete this fraudulent activity in my credit report. 

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
I recently reviewed my consumer report with XXXX, XXXX XXXX, and Equifax. I noticed several items that were incorrectly being reported on my consumer file.There were several inaccuricies with XXXXXXXX XXXX  Acct # XXXX. ( See Attached copy of consumer Report ). Across al three credit agencies with XXXX, XXXX XXXX, and Equifax. 

On date reported XXXX XXXX XXXX Equifax XX/XX/2019 XX/XX/2019 XX/XX/2019 Date Last Active Trans Union XXXX Equifax XX/XX/2019 XX/XX/2019 XX/XX/2019 Date Last Payment XXXX XXXX XXXX Equifax XX/XX/2019 XX/XX/2019 XX/XX/2019 Also, XXXX Bank violated my federal rights under FCRA 15 USC 6802. Obligations with respect to disclosure of personal information, Gramm-Leach-Bliley Act. There are certain requirements that are to be met, before a consumer personal information. Are to be disclosed the consumer under Norice Requirements must be meet.

If the requiremens are not meet, the consumer rights are violated under FCRA `5 USC 6802. Under this section, of the law my rights have been violated by not following the Notice of Requirements by law. Therefore, I demand that this account be deleted under 15 USC 6802.

( a ) Notice Requirements ; Except as otherwise provided in this subsection, ( a ) financial institution may not directly or through any affiliate disclose to a consumer non affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

I the consumer has a right to privacy, 15 usc 1691. In the disclosure of my personal information. I did not give you written permission or instructions to disclosure of my personal information. 

You XXXXXXXX XXXX are in direct violation of 15 USC 6802, and 15 USC 1681b. Permissible purposes of consumer reports. In accordance with written instruction of the consumer to whom it relates, did I give you written instructions to furnish this on my consumer report, furthermore as it pertains to the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( 1 )..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: UT
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:
In Accordance with the fair credit reporting XXXX XXXX XXXX XXXX Collection account has violated my rights.

15 U.S.C 1681 section 602 A. States that i have right to my privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states that 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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09
Company: JPMORGAN CHASE & CO.
State: IL
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:
I bought a XXXX XXXX ( XXXX ) Ticket for a XXXX business trip on XXXX  to XXXX XXXX on flight XXXX ( XXXX XX/XX/2023 ) and returning on XX/XX/XXXX XXXX the flight on XX/XX/XXXX was cancelled by XXXX 4 hours before the flight at XXXX CT without rebooking to an immediate flight causing a huge business snag. XXXX 's customer service was unavailable to cancel and refund through the app, chat or call mechanisms. see attached pdf for evidence. 

It cost me another {$430.00} to rebook a one way flight to XXXX using XXXX XXXX and a different cab as well. XXXX also cancelled my flight on XX/XX/XXXX without refunds. I called the flight again for my flight and now the flights were insanely expensive. I asked for a refund and XXXX 's representative asked me to file a refund request which I did immediately on XX/XX/XXXX. see attached pdfs. 

XXXX denied my refund request so I disputed {$1400.00} for my Taxis, alternative flights, and original flight ticket cost. But I am not getting help from CHASE to resolve this dispute so I am filing a claim to bring XXXX to justice for misusing my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Well this all started in XXXX when I recieved a wire from XXXX XXXX which I've done in the past too. This time it was flagged and they froze my account and said I'll have to wait. Then I waited until XX/XX/XXXX when they said they decided to close the account. Cool no problem. So the closing date was set for XX/XX/XXXX, called in they said we are still verifying. Then closing date of XX/XX/XXXX and I'm sure it'll continue being delayed. I have bills, a mortgage, a car loan from this bank too. So I just need my funds to be mailed to me that's all. I can't keep getting the run around with no foreseeable date. The checking account amount is {$110000.00} and the savings is {$21000.00}. The bank is bank of America of course. I just need them to close my account mail me then check so I can find another bank and continue living like a normal free citizen in the democracy of the United States of america. Thank you.

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 2023-03-02
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: Credit inquiries on your report that you don't recognize

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of XXXX XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/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 2023-09-28
Company: TransferWise Ltd
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
XXXX XXXX XXXX XXXX, I set up a XXXX transfer of XXXX  from XXXX to XXXX to pay for a car, transfer number XXXX. The company account was correct but the car dealership give me the incorrect company name. Then the funds never arrived and to this date Wise has still not refunded the wire transfer. All this money somehow missing and Wise is not taking responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
A private ledgering instrument was sent to AMERICAN EXPRESS Card Services for the account number XXXX, they credited my account for {$10000.00} for payment sent in May and processed the XXXX of payment on XX/XX/XXXX which was the XXXX of payment of {$10000.00} has since been reversed on XX/XX/XXXX over 60 days saying it was declined, I've ask American Express to please return XXXX of payment and documentation of the decline XXXX of payment so that I may address the issue of payment, instead they have kept said XXXX of payment and have since securitized it and no longer possess the XXXX of payment. 
Please see the attached sample of all documents and the need to correct their billing error. I have also instructed AMERICAN EXPRESS Card Services to contact the IRS commissioner if they do not understand what to do with XXXX sent for this account # XXXX. Re : XXXX OF PAYMENT TO CREDIT ACCOUNT In the matter of XXXX XXXX XXXX, Account number XXXX, concerning CREDIT on account and as of to-date my account is still missing the XXXX  of payment of {$10000.00}. I also sent an additional XXXX of payment of {$15000.00} and it was received however when I logged onto my online account I did see where they have the {$15000.00} in XXXX and that is also attached, Then I sent a payment by money order of {$15000.00} and that was never credited nor returned. Now American Express has over {$40000.00} in XXXX of payment credits not applied to my account. In XXXX of XXXX, another form of XXXX was sent in the amount of {$40000.00}, hereinafter XXXX, for the credit of Account Number XXXX, hereinafter ACCOUNT was e-filed with the Internal Revenue Service, and duly accepted by same. IRS acceptance notification received, by the Undersigned, on XX/XX/XXXX. Therefore, XXXX XXXX XXXX, requests that the balance of the ACCOUNT be adjusted to reflect the ledgering of said XXXX  of {$40000.00} and the XXXX of {$40000.00} accepted by the IRS to send credit to AMERICAN EXPRESS Card Services. Please note that contracts requiring legal money such as cash, check, money orders, bank transfers, wire transfers, and Federal Reserve Notes ( DOLLARS ) are illegal and unlawful by Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258 ( XX/XX/XXXX ). XXXX XXXX XXXX has XXXX private credits through the use of XXXX XXXX XXXX XXXX account to credit this matter. There is no intent to act in any fashion other than to properly reconcile the books and credit the matter accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Jefferson Capital Systems placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. never receive written notification of this alleged debt at my address of XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions 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:
I filed a dispute with Experian regarding a Bankruptcy on my credit report. 
I filed XX/XX/2023 & XX/XX/2023 both times their stating the information was accurate. 
I sent them a letter from the third party they receive their bankruptcy information from XXXX. 
XXXX has no record of a bankruptcy on my consumer report, nor does XXXX. 
Experian stated several times that they verify their Bankruptcy information from XXXX. 
If Experian verify their bankruptcy information from XXXX either its a lie or an error, because XXXX has no record of a bankruptcy on my consumer report. 
I feel that my case is not getting reviewed just overlooked because if they would have verified the information through XXXX like they stated they would see that XXXX does not have a record of a bankruptcy on my consumer report, again either its a lie or an error. This is consumer neglect grounds for a lawsuit.

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 2023-03-02
Company: Experian Information Solutions Inc.
State: NY
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: Nelnet, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I pulled up my credit report on XXXXand it showed that I have a negative report on a old student loan. 

The student loan is dated in XXXX, and approximately owe {$2000.00}. I am unable to pull it up again because I have to pay for this report. Originally when I pulled it up in XXXX, it was free. 

The student loan is an error because I did not apply for a student loan in XXXX. I possibly had a student loan in XXXX, but that was 8 years ago. I would like the credit report to update and remove this old loan that is over 7 years old and no longer valid.

Company response to consumer: Closed with explanation