BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-24
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I cancelled a payment with Chase bank. The merchant, whom I paid in full, showed up XXXX XXXX days late, delivered the material, worked for 2 hours and left. The merchant contacted his bank, claiming that material was never returned. After providing Chase with a police report and 2 photos showing the return of the material with a police standby, it was determined by the Dispute Department at Chase that I had not provided substantial proof that the material had been returned. Therefore, I was charged {$2000.00}. I have talked with supervisors who will not talk me through the reasons for their determination. There is something amiss with this decision-I do not have the material ; I, along with my landlord, followed the letter of the law in the return of the material ; twice I provided irrefutable evidence of the return with photos of the police officers in the photos along with the accompanying police report stating that that material was returned. I need an agency with a louder voice to investigate this matter-please! 

I have taken the merchant to small claims court and I am awaiting a decision. However, I am not satisfied with the actions and determination by Chase and the suspicious outcome of this matter. 

Thank you in advance for your attention to this matter. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-24
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 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 a account without my written instructions. 

- Account # XXXX Account Name-XXXX XXXXXXXX XXXX -Account # XXXX Account Name- XXXX XXXX XXXX -Account XXXX XXXX Account Name- XXXX XXXX XXXXXXXX -Account # XXXX Account Name- 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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I DID NOT AUTHORIZED THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-09-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
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:
XXXX reporting items that are due to identity theft and per the law need to be removed. The XXXX breech has caused years of issues and now USAA which is ID theft is once again reported. Please remove any information being reported on USAA accounts immediately. This is against the law and needs to be removed. I have supplied multiple documents to support the breech and claims. I have filed an action with the FTC as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I went to the Santander bank location : XXXX XXXX XXXX, XXXX, NY XXXX. 
However upon depositing the money order which I was told I can deposit it at the atm inside the bank. 
The machine took both money orders of {$1800.00} with out and receipt or error message. 
I spoke to the teller that was working and she gave me a number to call which I did. 
They told me I have to wait until Monday XX/XX/XXXX to see if it will be deposited into the account she then went on to say that if they dont find it there is nothing they can do. 
In this situation THERES NOTHING THEY CAN DO is not what I want to or need to here. I trust that the bank would be able to fix the situation. 
Nobody wants to be loosing {$1800.00} in this time especially not me. 
I cant allow my money to just go down the train.. 
Id appreciate if I could get serious help in returning the money orders or seeing it being deposited into my account.

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 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Tried resolving and removing personal information that isn't mine. Been a victim of identity theft. Won't remove or delete inaccurate 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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
THIS IS IDENTITY THEFT MY SOCIAL PASSPORT AND BIRTH CERTIFICATE WAS STOLEN In accordance with thee Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2022-06-24
Company: DISCOVER BANK
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/23 I opened my Discover app to check my current account status. I noticed 2 withdraws out of my savings account, one for {$2500.00} and then another for {$2400.00} from a XXXX  XXXX company. I then called the customer service line immediately. The customer service rep froze my accounts per my request but said he cant do anything about the withdraws and that I need to talk to the security team. He said the wait time was approximately 1 hour and asked if it would be ok to wait that long, if not to call back the security line directly from XXXX to XXXX XXXX. I took the number down but told him I am more than concerned due to the amount and would be wiling to wait. I was on hold for 3 hours and 32 minutes to have the call dropped. I had to continue working so I had my wife call and she had almost the identical experience, around 3 hours and 11 minutes on hold and her call was dropped. 

After not being able to reach anyone on XX/XX/23 I decided to call at XXXX XXXX  XXXX the XXXX number given. I finally reached a customer service rep after being on hold for 28 minutes. This rep told me that she couldn't help me and that I needed to call XXXX to get help with that. I said " I wish I could screen shot my phone and send to you right now because this is the number we are on ''. She said right but the security folks are not available until XXXX XXXX  XXXX. I then asked so you are requesting me to call back in 15 minutes to be able to speak to someone in security. She said yes. 

I called back 15 minutes later at XXXXXXXX XXXX XXXX to receive the automated message that they are experiencing a high volume of calls at the moment and to speak to a specialist would be over 3 hours. I hung up as I had to go to work and had my wife call. My wife has been on hold twice today now for over 3 hours. I still dont have any resolution or any way to get ahold of anyone to discuss this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: OH
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 am making a final goodwill attempt to clear up this matter. The accounts sent back verified are entirely inaccurate, incomplete, and represent a grave error in reporting. Also, this is my second time contacting about this matter in writing. No need for me to go into detail and tell you the law. Your company knows that you are required under the FCRA to have correctly verified the accuracy of an account listed on my credit report with physical documents. All in all, you have ignored my request to provide me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified.

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 2022-06-24
Company: EQUIFAX, 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
We/I made it clear that the reason for making a bank account in such a distance from our locations is to make accounts at banks that have significant distance barrier from where we are. ( Preferably places where banks have no employees or branches near our residence ). This all happens to coincide while launching a litigation with a local bank in VA. ( 1 ) On XXXX around XXXX XXXX PST  representatives addressed no such concerns. And two external transactions for credit cards were made on XXXX. ( 2  ) Returned a voicemail on XXXX at XXXX XXXX from/to XXXX XXXX but no response was given. ( 3 ) On XXXX at XXXX XXXX PST, Suntrust claimed that mobile access was suspended due to an " investigation '' that was started on XXXX. ( 4 ) However on XXXX at XXXX XXXX, weeks after mobile access was disabled, an email was sent to ask us to check a letter via mobile access. ( Meaning mobile access should have been possible during the time Suntrust was processing this " account closure '' request from us ). Interestingly, the letter stated we were the ones to close the accounts, and not due to an " investigation. '' Finding this odd, we tried make another account, until app access was suddenly revoked during the application process, 4 steps in XXXX XXXX. While we recognize bank 's right to refuse service to anyone, we'd like to say that Suntrust employees had to fabricate reasons to circumvent their own system to terminate our accounts. System emailed to ( a ) after re-enable access, ( b ) ask the users to login/retrieve the notices that accounts have been closed. ( c ) seize access on its own again during another application, ( d ) prevents letter retrieval. ( Not to mention this " intelligent system '' hasn't detected any strangeness beforehand ). System itself didn't detect any wrongdoing or strangeness for several weeks until its employees suddenly " detected '' and started " investigation '' on non-existence issues to claim that we were the ones to ask the account to be closed.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-06-06
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are XXXX accounts that are reporting incorrectly on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. 

I have provided proof to each credit bureau that the information is reporting differently on all 3 credit bureaus. I have also reached out to Comenity Bank directly and advised that each account is reporting differently to XXXX, XXXX, and XXXX. 

Ironically, each bureau has been able to verify their status is correct, when all 3 are reporting differences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-06-24
Company: Experian Information Solutions Inc.
State: AL
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, 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 XXXXXXXX, U S Dept of Education Account 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 2023-09-22
Company: Andy Bowers & Associates LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was advised of an Ohio tax Debt for XXXX. I left XXXX  years prior. I have been contacted by a bank stating this collection agency has reached out seeking information. I dont have a bank account. This debt doesnt belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: JPMORGAN CHASE & CO.
State: FL
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:
The dispute involved XXXX ( charge under INT'L escrow ). Executed charge on same day with 2 different Chase cards ( XXXX and United Airlines ). Executed dispute notice on same day ( end of XXXX ). Sent both disputes the same info. After a few times going back and forth, finally on XX/XX/XXXX both credit cards reached a decision. XXXX said I did NOT have to pay, but United said I had to pay. After reopening United continued that I had to pay. Finally I sent copies of the 2 letters to United and their final response was that it is to late to do anything. I have come to the understanding that the same Chase dispute center handles ALL disputes. My question is : how can the same dispute, with the same info, etc. lead to opposite results?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Colony Brands, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i have contacted seventh avenue debt collector several times within the last 3 weeks about this fraud and identity theft of a XXXX  XXXX card placed in my name and now attempting to be collected by them last time was XX/XX/2022 seventh avenue XXXX XXXX XXXX XXXX, WI XXXX XXXX ( there address, on my credit reports... ) at this number ( XXXX ) XXXX and talked to XXXX I had told her I called before about this identity theft/fraud and how the other customer relations personnel from last call had indicated they would send me a formal dispute form which i never received nor is it on record that they sent one out as it was indicated to me by XXXX... 

I reported this fraud to them and to all three credit agencies so far they have rejected my online disputes and refused to give credence or legitimacy to my dispute nor have they sent me the dispute documentation they promised to, so i can formally dispute by paper and not only online which i have already done several times through my credit report agencies and XXXX XXXX 

i have been falsely accused of owing XXXX dollars and past due of XXXX dollars and on this fraudulent account and debt collection it indicates i am 120-140 days late...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions 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 status incorrect

Complaint:
The credit bureaus are reporting a late payment on XX/XX/2022 which is inconsistent with the other credit bureaus.

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 2023-11-15
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have made uncountable complaints with XXXX XXXX XXXXXXXX XXXX, filed disputes with credit reporting agencies, and to no avail have anything been corrected. I have provided documentation and still no proper investigation or correction to all major credit reporting agencies. XXXXXXXX XXXX XXXX XXXXXXXX explained how my account was reported in error as being 60 days late, and the payment for XXXX is not due yet, and it is reported as late 30 days too. I am really disappointed with the lack of assistance and XXXX XXXX taking accountability for their errors in reporting my account late 60 days. I have never been over 10-15 days late since the account was open. This problem didnt occur until my account was transferred to this company and they are refusing to update reports with all credit reporting agencies and the credit reporting agencies are not investigating as should be to request proper data to validate the false reporting.

Company response to consumer: Closed with explanation