BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022, I made a withdrawal of {$31000.00} from my XXXX XXXX XXXX account to my bank account with XXXX XXXX  XXXX XXXX XXXX ). But my transfer was blocked by a JPMorgan Chase XXXX bank. since then, this bank has not officially notified me of the reasons for the blocking and has not given any official answer to where exactly my money is and what the blocking status is. this bank did not communicate with me directly. I can only communicate with him through Interactive Brokers. But Interactive Brokers didn't help me with my problem either. ( they, as the sending bank, do not want to bear any responsibility for this transfer, can not provide any official documents and provide conflicting advice that does not help. ) ***** I already left this message earlier. an employee called me, but later I could not contact him at the number he provided ( no beeps ). I ask you to give a response to this appeal in writing to my mail ( XXXX ) or contact me at the phone number that I will indicate in this appeal. ( XXXX XXXX XXXX XXXX ). Thank you. 
*****

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am the victim of excessive fees on debits and charges. No matter when I make transfers to cover incoming charges or debits I get fee 'd. Most recently there was a debit and a preauthorized charge on XX/XX/. I made transfer to cover the XXXX and 25.ish charge and got hit with two fees today the XXXX of XXXX. I have made numerous phone calls to branch mgr that said she would help until we find out what's going on but, my calls are ignored.

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 2022-06-17
Company: Experian Information Solutions Inc.
State: AR
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:
On XXXX, I checked my credit report and noticed inaccurate information reporting, so I wrote dispute letters to XXXX, Experian and XXXX explaining the inaccuracies of the accounts reporting. They sent me letters stating the accounts were verified. I asked them to send me proof of them being verified or remove them because they were reporting differently between all 3 bureaus and they have failed to do so. I've been disputing for 6 months with no results, so I've decided to file this complaint. Because of the inaccurate reporting of these negative accounts, I have been denied credit and it has prevented me from moving into a new house. I would like you all to please investigate this matter. The following accounts that are reporting inaccurately on my XXXX report is : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX previous XXXX account that was removed and then reinserted later on XXXX ), XXXX, and XXXX XXXX XXXX  The following accounts that are reporting inaccurately on my Experian report are : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inaccurate accounts reporting on my XXXX report are XXXX XXXX, XXXX ( both showing as installment accounts when they aren't )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: IL
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 this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX  hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX year old daughter PLEASE HELP ME PLEASE im 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 non-monetary relief
Consumer complaint received 2023-05-11
Company: NAVY FEDERAL CREDIT UNION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is regarding unauthorize charges on my checking account access number XXXX that started XX/XX/2023 of XXXX with out my express written consent on XX/XX/XXXX I contacted navy federal credit union which has XXXX XXXX dollars in assets on the books and It is the largest credit union in the world has ignored the banking laws 12 USC 144,15 USC 1692 and regarding unauthorized withdrawl on my account i was informed that they would call me back two days later XX/XX/2023, consumer called and wasf told that there was nothing consumer could do about the unauthorize charge of XXXX. Consumer called again to navy federal credit uion and tried to get a resolution, they stated that it was already posted and moneys was already taken. This was done without notice. or due process, The Consumer is seeking remedy in the fact that consumer is an asset on the books, The the full amount XXXX should be return to the account access number 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 2022-04-17
Company: CREDIT ACCEPTANCE CORPORATION
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:
This is not a Dispute. I am a Victim Of Identity theft. Please do not act in violation of the FCRA 605B, 615 ( f ) and 623 ( a ) ( 6 ). As the consumer, I have done my part in reporting this to all necessary authorities including the FTC and Local Police Dept. My Signature on the FTC report serves as my sworn statement. 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of XXXX about an alleged debt.

4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THEFT ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 18 USC 1028A Aggravated Identity Theft 18. Invasion of Individual and Family Privacy

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have opened an account with U.S Bank online and withdraw my retirement funds into this checking account and a few days after, U.S Bank decided to close my account out of nowhere and absolutely no reason whatsoever. I have contacted them several times and they failed to provide me a single reason as to why they decided to closed my account. And this happens while I am traveling outside of the country and relied on the funds on this account and it actually was the only reason that I made a withdraw to this account was because of having enough funds during my trip and I will be staying in XXXX for the next XXXX months. I was notified that the reason will be sent to my U.S Address and also they said they dont know how long the investigation takes and wont release my funds and when they do, they will send a check to my US address. This is not acceptable and I understand that they have a right to end the relationship for any reason, but they dont have a right to keep my funds especially when Im traveling and its very urgent for me to have access to my funds while Im traveling and they must immediately contact me and make sure I receive my funds in a timely matter by depositing my funds to my other account or any other possible way to make sure I will receive my funds immediately and completely.

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 2023-07-18
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I sent an dispute letter to Equifax, a copy of my cfpb report, copy of my identification, and also placed a fraud alert on my credit report, stating that i did not authorize this inquiry from XXXX bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 consumer to 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 non-monetary relief
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 ran my report today and found the following errors still remain on my report. They have 10 business days to remove this information or I will sue them in civil court on the 11th business day. Enough with this XXXX! I have all of the complaints and written proof of my disputing these issues clearly written in English for any lay person to understand. They don't seem to and want to continue the charade of misinformation on my reports expecting to wear me down. The only thing they've done is XXXX me off! 

1. The XXXX XXXX is an error made by Trans Union 's staff who obviously need eye glasses. This has never been my XXXX. I've lived in UT for 1 year as of XX/XX/XXXX and that box number has never been mine! I have written proof of my correct XXXX at the time it was issued to me in XX/XX/XXXX. If they do not REMOVE that incorrect address I will sue over it. 
2. XXXX  XXXX XXXX XXXX XXXX- they show 2 descriptions of how the debt was paid on my actual credit report I ran as " payment after charge off/collection '' and " settled, less than full balance ''. It should be the latter, CORRECT IT!

3. XXXX XXXX XXXX- this continues to reflect that I disputed this account on my real credit report, when I never did! If it is NOT REMOVED I will sue! I have written proof of exactly what my disputes requested. I will be happy to show it to a judge! 

If these problems are not corrected in 10 business days and I'm not notified within that time frame I will sue. We're not playing the 30, 45 and 60 day game any longer. Fix it or meet me in court!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: PayActiv, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
Company deducted {$500.00} from my payroll check that I did not initiate ( or receive ). Customer service agents were unfriendly on the phone and came short of accusing me of lying about receiving the money. They supposedly did an investigatuon, which lasted for 3 days. The resolution they came up with was that they were not going to reimburse me and told me several times that their system was basically foolproof and that friend/family fraud happens more than I'm aware of. They did no actual investigation into where the money actually went, which was definitely not me. Nor was I ever notified via text or email ( which I always am ) if I withdraw any money. I am basically out {$500.00} with no recourse at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: AR
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:
On XXXX, I checked my credit report and noticed inaccurate information reporting, so I wrote dispute letters to XXXX, XXXX and Equifax explaining the inaccuracies of the accounts reporting. They sent me letters stating the accounts were verified. I asked them to send me proof of them being verified or remove them because they were reporting differently between all 3 bureaus and they have failed to do so. I've been disputing for 6 months with no results, so I've decided to file this complaint. Because of the inaccurate reporting of these negative accounts, I have been denied credit and it has prevented me from moving into a new house. I would like you all to please investigate this matter. The following accounts that are reporting inaccurately on my XXXX report is : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX previous XXXX account that was removed and then reinserted later on XXXX ), XXXX, and dept of XXXX. The following accounts that are reporting inaccurately on my XXXX report are : XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inaccurate accounts reporting on my Equifax report are XXXX XXXX, XXXX ( both showing as installment accounts when they aren't ), Dept of XXXX, XXXX, and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I saw a post on XXXX from an XXXX XXXX. She posted XXXX XXXX XXXX tickets for the concert XX/XX/2023 at XXXX XXXX in XXXX XXXX California in a XXXX XXXX called things to do in XXXX. She requested two payments of {$500.00}. The first {$500.00} she asked me to send via XXXX to a XXXX XXXX And then the second {$500.00} to another mans name. I got suspicious and asked for the two tickets first which she would send to me via XXXX with my email address. She always made excuses why it wasnt working and I never received them. She kept trying to convince me to send the other money which I did not. I filed a claim with Wells Fargo, but they denied my claim.

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 2023-05-25
Company: EQUIFAX, INC.
State: FL
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-04-17
Company: Continental Services Group, Inc. d/b/a ConServe
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On Saturday, XX/XX/2022, I received a letter in the mail from Continental Service Group , Inc. ( ConServe ), a debt-collection contractor for the IRS, stating that my account has been placed for collection with them. I don't know why I received this letter. I've paid my taxes in full. Lastly, the letter that I received has a " Tax Period '' that states " XXXX ''. I'm not exactly sure what that means.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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: Old information reappears or never goes away

Complaint:
Experian is reporting an old address that is 4 years old and I do not receive mail at that location. I sent letters requesting for bureau to have it removed but no response. This is the only bureau that reposts this old address. 

The only name and address that should be reporting is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. 

Company is reporting a XXXXXXXX XXXX XXXX XXXXXXXX TX. This is in accurate 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