BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a checking account with J. P Morgan Chase. On XX/XX/2022, Chase closed my checking account due to suspicious activity. I had {$7000.00} in my account before chase closed it. My uncle sent me that amount from different state ( Wisconsin ) using money orders and deposited to my account. All the money orders are cleared and Chase is holding that money {$7000.00}. When I reached out to the bank they said I need to provide money order receipts to get my money back. Apparently, my uncle lost all the money order receipts but he has bank deposit slips which he received after deposited at the chase branch ( copies attached ). He visited to local chase branch multiple times to verify his identity and told them he sent me the money. But the bank did not accept it and they still want me to provide me the money order receipts. I also reached out to XXXX XXXX ( XXXX XXXX ) where money orders are bought from. But they wont provide me the duplicate receipts since Chase already cashed that amount. 

I tried all my best to get my money back but chase will not release my fund until I provide the receipts which I dont have. They said they will keep the fund on the separate account and hold it for 2 years and after that send it to government. I also reached out New York department of finance for help and they redirected me to XXXX with CFPB for resolution ( see attached letter ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: GA
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:
Ive been contacting Experian for years about this XXXX Bank and XXXX account # XXXX that is listed on my credit report. The last time in particular was when I submitted a CFPB complaint on XX/XX/2022 regarding this account. I was told by Experian that I would receive information in the mail. I would a notice that the account information has been verified as accurate, which is incorrect. The account information is completely inaccurate and Experian refuses to properly verify the information in which they agave listed on my consumer report. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report showing inaccuracies. Ive advised this agency that the date of last activity is incorrect, this account updates monthly as CO as it should be, the past due amount has changed XXXX times since this account has first charged off. How is this so if this is a dead account? Im asking for this account to be verified with the ORIGINAL COLLECTOR and that the ORIGINAL promissory note that I signed be sent to me along with Experian correcting ALL of the inaccuracies on this account or delete this account completely due to this agencys inability to follow consumer laws.

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 2017-09-13
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My husband and I sent our final payment in to Best Buy via phone on XX/XX/2017. This was after we made contact with a Customer Care Rep at a Best Buy store to inquire about the balance. We also called Best Buy Customer Service to inquire about the payoff amount. Both times, we asked if there would be a late fee and we were informed both times that there would n't be one. We were also informed via the phone that if there was one, that it would be refunded and that we would n't have to worry about it. 

My husband began getting daily calls about a month later, but did n't know why. When he asked me about the account, I confirmed with him that it had been paid off and that those calls were most likely sales calls from telemarketers. Again, being reassured by both Customer Service/Care Agents, there was n't any reason for us to be concerned about additional charges. 

Today, we both called again, only to find out that not one late charge was filed, but two additional late charges were filed, one for XX/XX/XXXX and one for XX/XX/XXXX. I was flabbergasted! We had a XXXX   balance and now three additional late charges have been filed. We asked if those late charges could be waived to reflect a XXXX balance since we have not made any additional purchases. Additionally, had the Representative told me that there would be a fee, I would have included it in my final payment. That would not have been an issue whatsoever. We were told that the " best '' they could do was waive the last fee. This did not satisfy me because of what we were assured AND the balance was paid off. 

We are requesting that all three late charges be waived. The Customer Service Manager waived the most recent fee, which left a balance of {$55.00}. So, specifically, we are requesting that the remaining {$55.00} be waived to reflect a XXXX/paid in full balance on our account. 

I am concerned that consumers who have touch points with any party associated the Best Buy brand or corporation may get conflicting information. Although we were offered apologies on behalf of the previous Customer Care Representatives, we were still only offered a waiver of the most recent late fee.

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 monetary relief
Consumer complaint received 2019-10-15
Company: CITIBANK, N.A.
State: NJ
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 opened an account with Macys, and decided to pay the card in full back in XXXX. at that time I was not getting statements in the mail, they were being sent via email. 
so I proceeded to pay the card in full but they kept billing me {$2.00} as a service fee that I had no knowledge of, I pulled my credit XX/XX/XXXX XXXX and there is a charge off listed on my report. I would like to get this removed as I had no knowledge that a charge off was going to be placed on my account. 

Please 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 2019-07-29
Company: SYNCHRONY FINANCIAL
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The Company is in violation of the Fair Debt Collection Practice Act, 15 USC 1692g a law that is supposed to be enforced by the CFPB. 

When they began harassing me over debt, I looked up their corporate address online and mailed a copy of the attached letter. They have failed to comply with the request in the attached letter made under the Fair Debt Collection Practice Act, 15 USC 1692g.

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 2019-11-22
Company: ALLY FINANCIAL INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Ally Bank turn down my request for a car loan due to misinformation. My Credit Score is  XXXX at XXXX. Ally Bank said they tried to get my credit score and was unable too. I called XXXX  to see if there was a freeze on my credit report they said Ally Bank never contacted them. Instead Ally Bank contacted XXXX XXXX and the reported misinformation about my credit score at XXXX. Thereby causing me not to get the loan. My Credit Score is XXXX not 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 2022-06-13
Company: EQUIFAX, INC.
State: MO
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 applied for credit back in 2020 an instead of XXXX or XXXX hard pulls I ended up with XXXX such as 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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, No Account #, 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 2019-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are a couple of accounts, and addresses that are listed on my credit report that I am unfamiliar or that are simply not mine. Please remove these 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 non-monetary relief
Consumer complaint received 2017-09-13
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax inappropriately handled my personally identifiable information in a way that exposes me to long-term, potentially irreversible, harm. During XX/XX/XXXX Equifax became aware of an vulnerability in their systems that allowed sensitive information on consumers to be exposed to unauthorized individuals. In the time period following this discovery the company did not make the public, myself included, aware of the exposure. Equifax continued to withhold this information during the two months following the attack. 

In XX/XX/XXXX Equifax announced the incident publicly and provided a service to identify accounts that were impacted. On XX/XX/XXXX I used this system to identify if my information was included in the leaked accounts, where via this service I was informed that my information 'may ' have been included among the millions of records lost. 

Based on the information available it is my opinion that Equifax practiced gross negligence in adequately protecting my personal information vis-a-vi financial institutions. Although what is most deeply unsettling is that unlike financial institutions, my consent for Equifax 's possession of my information did not come from me directly. To clarify, I am aware in retrospect that I agreed to my personal information being accessed or reviewed by a credit bureau in the normal course of managing my personal finances i.e. lending applications, employment, etc. However, I was wholly unaware of the extent to which XXXX  and other credit bureaus maintained record of my personally identifiable information e.g. volume and type of data maintained, length of retention etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As briefly as possible : 1. I am the personal representative for an estate.

2. A property in the estate had its mortgage transferred to Select Portfolio Servicing ( hereafter referred to as SPS ) 3. They sent me all the documentation on taking over on servicing the loan and originally were sending every statement to the estate c/o me at my home address 4. They stopped sending statements 5. When I called them they said I was not authorized on the account and couldn't speak to anyone.

7. I was given an email address ( XXXX ) which I was to correspond with. 
8. I asked via this email address and by phone if there was a secure method to get the lender documentation of my involvement with the account and proof that I should be authorized to deal with them on it.

9. My mother in law who is an heir of the estate started receiving my notices 10. After months of stonewalling and un-cooperative behavior from SPS, we refinanced to get out of dealing with them. The loan was closed in XXXXXXXX XXXX XXXX. 
11. I had to provide extensive documentation to both secure another loan as well as get title insurance.

12. In the end, SPS decided to send the escrow balance to the property address instead of my address.This address is a log cabin with no mailbox and the mail would have been returned almost as soon as it was sent as undeliverable. 
13. I called and requested that they reissue the check to the same address they were previously sending statements to, and I even convinced one representative to.go back and look and they were able to verify that my name and address appeared on the statements until XXXX XXXX XXXX. 
14. I have called repeatedly. I have provided all known documentation including my certified papers of personal representative, a certified copy of the will, certified copies of death certificates. 
15. I have never received any follow up communication from SPS. 

I have never had this much difficulty dealing with a mortgage lender in my life and I have had dealings with at least eight other lenders in my lifetime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Experian Information Solutions Inc.
State: WY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Attempting to file a complaint with Experian once again regarding a XXXX credit card they keep reporting a late payment on. The credit card has been in charge off status - it is past the legal time line for the company to attempt to collect what is owed, and that has been cleared up with XXXX. You have those documents between me & XXXX regarding them not coming after me for the debt. However, Experian is the only credit reporting agency that keeps reporting it as a late payment. XXXX  has taken it off my report since they are no longer coming after me for the debt. XXXX doesnt even keep showing late payment. Its time for Experian to quit reporting it as a late payment making my credit report suffer. They need to go back ever since they investigated this last year and remove any reported late payments and quit labeling any others as late payments since they are not. Experian refuses to accept another complaint on this card because, It has already investigated once, and they are not obligated to investigate again. I dont need them to investigate the credit card company, just their own credit reporting actions and the negative impact it has on the consumer when in fact their is no late payment and the account has been charged off.

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 2022-06-13
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:
My name is XXXX XXXX and I have been a customer of XXXX since XXXX! I am sending this letter because when I checked my most recent credit report, I noticed it contains 2 late payments on XXXX and XXXX of XXXX. The late payments were due to my bank account getting hacked and I had to get a new bank account. After receiving my new bank account, I reached out to XXXX via email on XX/XX/XXXX to update my bank and was not contacted back in a timely matter. When I finally received an email, I was locked out of my account and had several issues connecting my new bank. There has been several issues with the app logging you out and not being able to verify your information in order for you to regain access. Due to this mistake with their system. When I was finally contacted by XXXX I did get into the account to update my bank but it was too late. I had already received a late payment on my credit report which is effecting my credit in a negative way. I have perfect payments on all my credit accounts. I attempted to reach out to the company to fix the issue. I even uploaded the screenshot where I asked them to switch my bank and they are not willing to correct my credit report. They advised me that I have not been a customer long enough and Ive had the account over XXXX years. The company has not updated nor reported none of my payments since XXXX of XXXX and its now XXXX. 

Other than this mistake, I have a history of making my payments to XXXX on time. I hope you will consider my request and remove this late payment 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 2022-06-13
Company: EQUIFAX, 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:
My name is XXXX XXXX and I have been a customer of XXXX since XXXX! I am sending this letter because when I checked my most recent credit report, I noticed it contains 2 late payments on XXXX and XXXX of XXXX. The late payments were due to my bank account getting hacked and I had to get a new bank account. After receiving my new bank account, I reached out to XXXX via email on XX/XX/XXXX to update my bank and was not contacted back in a timely matter. When I finally received an email, I was locked out of my account and had several issues connecting my new bank. There has been several issues with the app logging you out and not being able to verify your information in order for you to regain access. Due to this mistake with their system. When I was finally contacted by XXXX I did get into the account to update my bank but it was too late. I had already received a late payment on my credit report which is effecting my credit in a negative way. I have perfect payments on all my credit accounts. I attempted to reach out to the company to fix the issue. I even uploaded the screenshot where I asked them to switch my bank and they are not willing to correct my credit report. They advised me that I have not been a customer long enough and Ive had the account over two years. The company has not updated nor reported none of my payments since XXXX of XXXX and its now XXXX. 

Other than this mistake, I have a history of making my payments to XXXX on time. I hope you will consider my request and remove this late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: NJ
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:
Equifax mishandled personal information, divulging private credit data to unauthorized sources. This is a part of the larger data breach going on this month. 
As someone in the process of buying a home, with a mortgage, I have my family 's immediate well being on the line with my credit. 
There was a large delay before we were even notified that our data was released without authorization - a delay which prevented me from taking proper measures to protect myself. 
There have been misleading and changing results as to who was in fact affected - even after the issue, the company is unwilling to be open and help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: OH
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:
Equifax continues to report a job and family services child support case that ended on XXXX with a XXXX ballance due and is still there after 16 years. 
It went away once, now its back. 
I want it permanently gone. If it returns, please instruct me how to sue these XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2019 Chase closed my account. Without any notice. The letter I received stated that funds would be sent out within 10 days from that date. Please see letter. I received a call from a representative who said it was mailed out on the XX/XX/XXXX. As of the date of this complaint. I have not received funds from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX is showing a inquiry on my Transunion report that isnt correct and was suppose to be removed but its still showing on my credit report inaccurately

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