BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX and I am a XXXX XXXX with XXXX XXXX XXXX in XXXX XXXX writing in regards to 2 bank statement requests to Chase Bank for 2 elderly clients who may be victims of financial abuse. The Document Identification # 's are : XXXX and XXXX An XXXX XXXX was faxed on XXXX/XXXX/XXXX to Chase Bank. On XXXX/XXXX/XXXX, XXXX received a response stating that I would need to contact Customer Service ( I have included both responses in the attachments ). On XXXX/XXXX/XXXX, I called Customer Service who stated that I would need to contact the client 's XXXX XXXX, XXXX XXXX, and discuss with him on how to obtain statements. On XXXX/XXXX/XXXX, I spoke with XXXX XXXX who stated that I would need to provide a Release of Information signed by the client or have a court order. One client has been deemed to not have capacity as he has been diagnosed with XXXX XXXX XXXX and it would be unethical for me to have him sign any documents. 

Chase is not being compliant with XXXX request and I would like to receive the statements to complete XXXX investigation of financial abuse of an elder.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It May Concern, We have been trying to process a short sale on this property with Carrington Mortgage Services ( servicer ) and XXXX XXXX ( investor ). After the interior value was completed, we received a message asking for {$270000.00} net to entertain the option for a short sale approval. We provided evidence to the servicer and investor of the current condition of the property that is not being considered on the current value. The property shows signs of the following issues : 1. MOLD 2. Leak on the foundation causing damage to the foundation and humidity ( Mold ) 3. Electrical and Plumbing system are outdated and could represent a hazard The investor ( XXXX XXXX ) replied back to us that they require a {$270.00} net offer to move forward. We understand that they are not required by law to proceed with a short sale option, but we believe that this type of investor are abusing their power and the lack of regulations against this market makes easier for them.This a very common practice from this particular investor ( XXXX XXXX ) managed by Mr. XXXX XXXX, they overprice their properties to get the home owners out with a foreclosure. we believe these type of practices should be regulated by the federal government to avoid this type of abuse towards the people on a default situation that are trying to get a fresh start for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: MD
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific account in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any account in my credit record that came about due to an alleged fraud. 
XXXX XXXX XXXX XXXX Balanced Owed : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair credit Reporting Act XXXX XXXX has Violated My Rights. 
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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A 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 : its 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 2017-06-27
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Reason too much fee each checking also too high fee {$36.00} dollar per checking. Reason I am on XXXX. not big money.

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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX XXXXXXXX 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 2022-09-01
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I applied for a {$25000.00} cash loan with Region Bank on Tuesday, XX/XX/XXXX and was approved instantly by region system. I had been given an interest rate of 9.4 %, term of the loan and a monthly payment. I electronically sign the loan and was told to come in the next day or so to retrieve the money. The next day I received a call from the loan officer at the local branch located in XXXX, XXXX XXXX that an underwriter wanted me to submit recent check stubs and a copy of my W-2 forms. ( I really felt violated because the system had already verified this information and approved me ). So after violating my personal information and having me submit it to the local branch I was informed that I could have only {$14000.00} and I must use the {$14000.00} to pay off loans of their choosing. Therefore leaving me with nothing. To let it be known, I had a credit score of approximately XXXX and have always paid on time and have nothing derogatory on my credit. I feel as if this inquiry on my credit has a negative effect. Also I had to apply to another bank and receive a higher interest rate of 17.3 % and higher monthly payment. I was told that my interest rate was higher because I had just had Region inquiry which impacted my credit score significantly. I would like for the inquiry from Region to be removed from my credit report or give me the money I was approved for to pay off the higher percentage loan. Also, I feel discriminated and disrespected by this local branch in which I have known other races to receive loans and dont nearly have the credit worthiness I possess. It has been reported in this local town that XXXX information is shared throughout the banks as a form to keep them oppressed and prevent them from owning business. I tend to know this to be reasonable so from previous attempts to purchase property. I will appreciate any suggestions or assistance you can offer. My credit score is damage from this incident.

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 2017-08-28
Company: Experian Information Solutions Inc.
State: GA
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:
I was shocked when I reviewed my credit report and found all the inaccurate items that did not belong to me. 

CREDITOR : XXXX XXXX XXXX Account # : XXXX I have repeatedly asked this company to provide me with details on how they are able to verify something that does not belong to me. I dispute having any obligation for this debt and if you are unable to provide me with the legal documents and contracts as I have repeatedly requested then I would like to have this item permanently taken off of my credit report immediately ( per my rights under the Fair Credit Reporting Act ).

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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am disputing fraudulent accounts on my credit report. This accounts were opened in 2017 when the XXXX breach occured. I've been contacting the 3 credit bureaus monthly trying to get a resolution but XXXX refuses to reinvestigate and XXXX and Transunion continues to update the account without providing anything contract bearing my signature. I'm requesting that these accounts be deleted from my credit report within the next 4 business days.

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 2022-09-01
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
To Whom It May Concern, I am writing to dispute the following information on my credit report, I recently received a copy of my credit report, and i found the following inaccurate information reporting to my credit. 

XXXX Account # XXXX Account Name : XXXX XXXX XXXX : Date of last Activity Reporting : XX/XX/XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX : Date of last Activity Reporting : XX/XX/XXXX Experian Account # XXXX Account Name : XXXX XXXX XXXX : Date of last Activity Reporting : XX/XX/XXXX How can all three credit bureaus have three different dates on the same account. The dates of activity are incorrect and does meet FCRA. According to he Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of FCRA - You are required to promptly DELETE all information that is inaccurate, incomplete or 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 explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
To Whom It May Concern, I am writing to dispute the following information on my credit report, I recently received a copy of my credit report, and i found the following inaccurate information reporting to my credit. 

XXXX Account # XXXX Account Name : XXXX XXXX XXXX : Date of last Activity Reporting : XX/XX/XXXX Transunion Account # XXXX Account Name : XXXX XXXX XXXX XXXX Date of last Activity Reporting : XX/XX/XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX Date of last Activity Reporting : XX/XX/XXXX How can all three credit bureaus have three different dates on the same account. The dates of activity are incorrect and does meet FCRA. According to he Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of FCRA - You are required to promptly DELETE all information that is inaccurate, incomplete or 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 2017-08-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I was caught up in a scam that has affected many people other than just me. Below is my detailed account of being victimized. 

I am a US Military Veteran who have been on a job search for the past 6 months including placing my resume on many job boards such as XXXX and XXXX. I was approached via email by a hoax company named XXXX XXXX XXXX explaining how they saw my resume on-line and that I was a great fit for a work at home opportunity with contractual work involving other partnering hospitals. Once I seemed interested they began telling me about pay and health care benefits and the initial step I had to take in order to start my position. Next, I was sent a {$3200.00} through XXXX and was told to spend {$1500.00} on software and equipment needed and money was to be sent via XXXX to XXXX. When I deposited the check I assumed my bank would identify immediately that it was a false check, but the bank accepted the check thus causing us to be assured as well. Flags began to raise in my mind after transaction at XXXX and my looked up the company in detail and noticed that they were a fraud company running a scam. I immediately lost heart because the check was a fraud and I was back at being unemployed and bank account impacted by the situation. 

Help is needed on my family behalf who is suffering due to a fault that I was unaware of. Look forward to your response and immediate help due to now being highly impacted by Hurricane Harvey.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Good evening ; I have noticed identity theft someone with my same name used my information to a company I never herd of and they have posted it in my credit report. I contact the credit Berau Transunion and they hanged up on me many times after I sent a register letter letting them know that by law they were not supposed to put items that are not mine on my credit report and they have it there causing me to hurt my credit report and having negative item in there. I spoke to Transunion supervisor and she hanged up on me telling me that a company can damage my credit report and report something is not mine. I need help I have the proof that I have sent a letter to them asking them to provide me a signature or something that was done by me and they never sent me but they receive the letter I sent and they said they do not need to follow the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is putten in there. I am scare because I already had identy theft and they want me to give them more information so it gets leaked again. Please help me so Transunion can take those innacurate inquiries ( XXXX XXXXXX/XX/2022 ) ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXXXX/XX/2022 ) ( XXXX XXXXXXXX ) that are hurting my credit score and I cant take a home because Transunion is refusing to remove information that are not mine. 


On XXXX the inquiries are ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) that are also hurting my credit and those inquiries need to be removed because they are not mine.

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 2017-06-27
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: Credit inquiries on your report that you don't recognize

Complaint:
I have written several letters to XXXX, XXXX and TransUnion about multiple inquiries on my credit profile that were not authorized by me. The dates on which I submitted those letters are XXXX and XXXX/XXXX/XXXX. I have not received a response and the unauthorized inquiries are still appearing on my credit profile. I am looking into purchasing a home soon and the inquiries are affecting my credit score.

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 2022-08-04
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act, my rights have violate by the following : 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 15 U.S.C 1681 section 602 A. State 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: GreenSky, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
GreenSky opened an account without my consent onXX/XX/XXXX based on services provided by an air conditioning company I had contacted for a quote. They offered financing through GreenSky but I did not agree on the price. Several weeks later I received information from GreenSky that I had been approved for a personal loan of {$10000.00} but the bill was {$16000.00}. I contacted Green Sky and provided information to a supervisor, XXXX XXXX that I did not agree to this charge and had not applied for it. She put the account in disputed status. I also sent a letter to this effect on XX/XX/XXXX.. On XX/XX/XXXX, I was notified by the compliance department of GreenSky that this was a valid charge according to the merchant and they were placing it back on my credit report. Until that time, the account was marked closed on my credit report, but since they are reinstating the line of credit and the bill, I filed an identity theft report to FTC and am notifying the credit reporting agencies of the identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I have on numerous occasions requested a copy of my credit report. Equifax will allow everyone access to my credit report but myself. They take me through all of these prompts. 

I can not gain access to my free annual credit report. I have requested a copy. I have requested for Equifax to mail a copy and they refused. 

This company is placing several different accounts on my credit report and they do not have a copy of my signature nor has their company requested further information from the other companies. 

I am very concerned someone in Equifax is committing fraud against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax is displaying an incorrect address of " XXXX XXXX XXXX, XXXX XXXX, Florida XXXX '' on my credit file, however, they do not allow me to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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: Information belongs to someone else

Complaint:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX Balance : {$660.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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