BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-06
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Regarding account XXXX and XXXX which was closed without reason, and funds now being held for more than 45 days since account was restricted before closing. No updates and answers have been given me for reasonable cause, which Chase says they can do without reason for an investigation. But I have inquired many many times on what are they investigating. No answers, just evasions and we cant tell you stuff. 
This is now reaching beyond the point of reasonable. Since I know this can only be due to XXXX  XXXX XXXX asking Chase to hold my funds on a deposit that was cleared back on XX/XX/XXXX which I in fact was authorized to make this transaction and my affidavit ATTACHED HERE IN XXXX, CALLED AFFIDAVIT # 4 just faxed to XXXX  XXXX XXXX Digital Fraud Check Claims at XXXX. 
Also if Chase will check their records they will see I had a joint account with my Mother XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX confirming we had a fiduciary relationship and established trust. 
Chase has not lost one cent and I owe them nothing, they are holding {$35000.00} for a unreasonable amount of time for what they call an " investigation '' of nothing they can tell me. There are no legal attachments of leans on my account and I have no debt owed to Chase Bank. After reviewing the facts in this Affidavit # 4 attached, they need to understand that the claim in question from XXXX  XXXX XXXX is a false claim filed by mother mother and that transactions was in fact AUTHORIZED. 
Chase is a third part in this and i do not see what legal authority they have to continue to hold my funds. They are not a party to this claim and this is solely with XXXX  XXXX XXXX, my mother XXXX XXXX and Me, XXXX XXXX XXXX XXXX XXXX  now this morning also has documentary evidence in their possession by mail from me that XXXX XXXX 's claim is false and by her own voice says she gave me permission. Not only that but the banks Limitations of Liability for Online Banking Transactions ( which this was ) has established the fact that I was authorized based on the  evidence and record before them now. 
Chase has NOTHING TO INVESTIGATE, AND what can take 65 weeks so far in such a simple matter as this? This excessive time holding my funds is unreasonable and without credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: MOHELA
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: Information belongs to someone else

Complaint:
Nine ( 9 ) erroneous and/or fictitious tradelines are being reported by XXXX XXXX as being furnished by MOHELA. This complaint is being sent to you in response to a tradeline/credit item that is listed on my XXXX XXXX consumer disclosure sent to me on XX/XX/2023, XX/XX/2023, and XX/XX/2023. This notice is sent pursuant to the Fair Debt Collection Practices Act, Fair Credit Reporting Act, and consumer credit protection of Texas Business & Commerce Code Chapter 20, and debt validation is requested. See Attachment - This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that any student loans serviced by your company have been transferred to another and not 100 % paid off through discharge. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus XXXX XXXX XXXX XXXX XXXX  ), this action might constitute fraud under both Federal and State Laws. Due to this fact, all erroneous, fraudulent, fictitious and/or negative information found on any of my credit reports by your company or the company that you represent constitutes such a violation and legal action has or will be brought against you for the following : Violations of the FCRA Violations of the FDCPA Violations of Texas Business & Commerce Code Defamation of Character Injurious Tort and other damages. Also, during this debt validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will remedy this with any and all legal options. Any listing of any information to a credit reporting repository that could be inaccurate or invalidated should be immediately removed. If your office fails to respond to this debt validation request, all references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediately. Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: BROKER SOLUTIONS, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am working with an attorney regarding identity theft. They instructed me to obtain an adverse action letter for the suit. They recommended getting it from the most recent inquiry into my credit, which was performed by New American Funding. Upon requesting said letter, New American Funding stated that they were not obligated to do so since the inquiry did not result in lending. My attorney stated otherwise and recommended filing a complaint with the CFPB and state attorney. That is what I am trying to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 

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 2023-03-22
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: SC
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: V and H Portfolio
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:
Federal Trade commission Case # XXXX XXXX XXXX XXXX Case XXXX XXXX Attorney General Attachment submitted VANCE & HUFFMAN LLC Account # XXXX The account above is not mine account and I want it deleted off of my credit report ********NOT MY ACCOUNT****************** I looked over the verification letter received from Vance and I would like to formally report that the account reported is not mine. The signature recorded is not mine at all. The accounts= were money was deposited is not my account. I never requested money from XXXX XXXXXXXX XXXX XXXXXXXX im not even familiar with the company and this information need to be removed from credit report because it violating my rights.

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 non-monetary relief
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX open on XX/XX/2019 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-02-16
Company: WELLS FARGO & COMPANY
State: ME
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:
I have been trying to resolve this issue for many years. Wells Fargo Mortgage made a mistake in XXXX and I have been trying to resolve it with them via many routes. This mistake has resulted in over 50 reported past due account status updates on my credit reports as well as many late fees. It has affected my ability to get fair rates and credit approvals in other aspects of my life. I first wrote a letter on XX/XX/XXXX after many many attempts to correct the situation via customer service on the phone did not work. On XX/XX/XXXX a manager removed only 2 late fees and agreed that I was correct about Wells Fargo 's mistake. 

The error happened on XX/XX/XXXX when a partial payment was put towards principal instead of into unapplied funds for the next months payment. At that time, we were already paid half way through XXXX. Ever since then, there has been a snowball effect of where funds were applied and for what payment month. Currently per my payment records, we are paid through XX/XX/XXXX with our next payment being due XX/XX/XXXX. The company is claiming we still owe for XX/XX/XXXX. I sent the company a spreadsheet on XX/XX/XXXX with all payments since the beginning of the loan. I requested that they finally do what is right and remove all of the negative reporting, late fees, and update our statements to reflect that we have been current. 

I received a letter dated XX/XX/XXXX from XXXX XXXX an Executive Resolution Specialist stating that they would not be making any adjustments. She did confirm that WF placed the funds onto principal instead of into unapplied funds. 

I promptly responded with a faxed letter dated XX/XX/XXXX. I expressed that I would not continue to let WF incorrectly report my mortgage as they have done unjust significant damage to my credit and have greatly affected my life. I notified WF that I would be moving forward with several complaints. 

What they have done to me is unjust and erroneous! They refuse to correct their mistakes. I received another letter dated XX/XX/XXXX, from XXXX XXXX - Senior Vice President stating they would address my inquiry by XX/XX/XXXX. WF has a long standing reputation for being dishonest & deceptive, & I can not sit back and let them continue to get away with damaging my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Helvey and Associates are harassing me for an unverified debt of {$340.00}. Helvey and Associates flagged my credit files with unverified information and have damaged my credit scores. Helvey and Associates are debt collectors demanding a debt on behalf of XXXX XXXX of the XXXX. 
I have not received goods or services from Helvey and Associates. I am formerly requesting XXXX XXXX of the XXXX to provide contractual agreements stating the exchange of goods or services to me ; along with a permissible purpose to Helvey and Associates releasing my private information. 
Present contractual agreements supporting Helvey and Associates and I have agreed to honorably conduct business. I do not agree to pay/tender anything to Helvey and Associates on behalf of XXXX XXXX of the XXXX. 
As of XX/XX/2023, Helvey and Associates received a validation notice via certified mail and have not replied. Helvey and Associates do not have a permissible purpose to contact me in regards to anything. There are no contractual agreements to support we have agreed to honorably conduct business. 
I am not a party to current/past agreements Helvey and Associates may or may not have with XXXX XXXX of the XXXX I am not responsible for Helvey and Associates purchase / transfer from XXXX XXXX of the XXXX I have not agreed to pay/tender anything to Helvey and Associates . 
I have contacted XXXX XXXX of the XXXX in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private information to Helvey and Associates.

Helvey and Associates do not have my permission to contact me on my private phone line attempting to negotiate debts that do not belong to me.

Helvey and Associates reply outside of the XXXX XXXX, must be delivered via the XXXX postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. I will upload proof of return to sender if necessary. Please abide by all mail codes. 
Helvey and Associates., are not Holders in XXXX XXXX with contractual agreements to support goods or services provided to me. 

All calls are recorded for my safety. Kindly Cease and Desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I entered into a home preservation program with Wells Fargo in XXXX. I made payments through XXXX. The payment amounts were approximately {$1000.00}. I had to make my payments by phone to XXXX XXXX at XXXX Ext : XXXX according to Wells Fargo preservation program. I could not make the payments on line. I did not receive a mortgage statement, and the online account did not reflect the proper credit from my mortgage payments. I complained and was told that it was because I was in this program. The Wells Fargo statement I have attached I downloaded from the Wells Fargo website because I have not received anything from Wells Fargo mortgage in the mail since XXXX. The statement reflects that the mortgage payments were approximately {$1200.00} but the documentation I received from the preservation program reflected the mortgage payments to be {$1000.00}. My house flooded in XXXX and XXXX. In XXXX I sent a request to Wells Fargo asking for assistance from the flood and also stating that I would be late on my XXXX payment and possibly my XXXX payment because I needed the money to payment for items that lost during the flood - a mattress, etc. Today I called to make my XXXX and XXXX payments and was informed that I was 6 months behind on my mortgage payments and that my house was in foreclosure. I never received anything in the mail about a potential foreclosure on my home. I recently took a hardship withdrawal from my retirement plan to make the repairs on the basement, so why would I ignore payment notices, foreclosure notices, phone calls, etc. I didn't ignore them, I never received them.

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 2021-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America refused to provide me validation to why they : Ruled in favor of a merchant that made unauthorized charges to my debit card. 
Why my unauthorized charge claims were investigated as a cancelation of services when I filed them as unauthorized charges. 
Why they closed my account in under 60 days for negative balance and not the usual 120 days. 
Why one of the unauthorized charge claims I filed was found in favor of the merchant when the merchant turned in documents for a different bank card that had nothing to do with my account or my unauthorized charge claim. 
Why Bank of America refuses to provide me any documentation to validate there claim for the charges I disputed. 
Why they dont want to cooperate with me and why they dont want to provide me the card swipe report for my card that they say is available to me. 
Why they refuse to provide documentation for the XXXX dollar service charge credit they stated they refunded {$2.00} only as per there verbal statement but what about the remaining {$9.00}. 
Why they refuse to speak with me and in a hurry to close this case without providing me the documents to validate there decision and why they charged my account that caused the negative balance. 

Why they reported it to XXXX as account abuse for the negative balance. 

I have requested this information as per FCRA and I have not received this documentation. 
Instead they send me documentation that does not validate or verify why they charged my account which caused the negative balance. 

They are now considering this case closed because they dont want to provide the truth and are covering it up. This violates the FCRA Protection laws in providing documentation that validates snd verifies the information to be accurate and they refuse to do this.

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 2023-12-19
Company: Westlake Services, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
As XXXX Spoke to XXXX XXXX from credit acceptance She stated that I would be mail a copy of the sign contract. Now I went ahead and call the XXXX XXXX dealer and recorded the conversation and XXXX stated that they move and had no original contract. 
So again I want to re force the invitation on this complaint. What you have on your email isn't my signature for the credit application, if you need proof of the conversation, please feel free to call me. I also recorded XXXX XXXX. 
Again, this is Fraud.

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 2022-06-02
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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