BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

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 2022-06-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
What happened : {$1500.00} was withdrawn from my checking account through ATM in person without my permission. Chase initially accepted my claim but they denied it about 2 weeks later. My current account balance is currently negative.

Reason : Chase denied my claim as a fraud because it looks like those transactions were made by me.

Story : 1. Friday, XX/XX/XXXX at XXXX XXXX. I got an email from Chase, Email Address Change Confirmation. However, I didnt change my email address on Chase. [ XXXX ] 2. I called Chase right away and explained this situation. They removed that fake email not owned by me.

3. Saturday, XX/XX/XXXX at XXXX XXXX. I got an alert from Chase App on my XXXX and from an email from Chase. My balance of {$20.00} was below the {$50.00} limit you set. I checked my checking account. I was shocked. 3 times ATM withdrawal of {$500.00}, a total of {$1500.00}, happened and it was described as XX/XX/XXXX XXXX XXXX XXXX NY XXXX XXXX. It was the Chase branch near my home and my card number. [ XXXX & XXXX ] 4. I called Chase during business hours in the morning. I explained my issue and those ATM withdrawals were not made by me. I didnt withdraw money, didnt go there, didnt use ATM, didnt give my card or anything related to Chase to anyone, and I was home at that time.

5. During the investigation, we found somebody used XXXXXXXX XXXX XXXX ( Chase XXXX XXXX ) and XXXX XXXX  like Contactless to withdraw my money. I found its phone was active in the Device History on the Chase website. Somebody accessed my Chase data using its phone on XX/XX/XXXX at XXXX XXXX. its only 2 minutes gap between updating my email and accessing my Chase data using its phone. I have never owned and used XXXX XXXX XXXX. So, I deactivated its phone as soon as I found this unrecognized access. [ XXXX & XXXX ] XXXX. I got money back from Chase at this time. [ XXXX ] XXXX. Friday, XX/XX/XXXX at XXXX XXXX. I got an alert again from XXXX. My balance was $ XXXX. I checked my account. I found 3 times transactions of {$500.00}, a total of {$1500.00}, for REVERSAL : ATM WITHDRAWAL. I was shocked again. [ XXXX & XXXX ] 8. I called Chase during business hours in the morning. I wanted to know why the reversal of my claim happened. They said it was not fraud according to their investigation. The reason is that those transactions were used by my own information so it looked like I, myself, made those transactions. They asked me again if I gave my debit card, my phone, or anything relevant to somebody. I talked to Chase again that I have never given my card, phone, personal information, and any important data to anyone. They asked me again and I explained again. It was endless.

9. I called Chase to get help to solve the issue that unrealized transactions happened without my permission. However, I couldn't figure it out with Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Chase checking account : XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX On XX/XX/XXXX XXXX wire fraud transfers without my authority from the above checking account. 
1st wire fraud transfer was for {$2400.00} ( Online domestic wire transfer Via : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 2nd Wire Fraud transferfor {$2600.00} ( Online Domestic XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These two fraud wire transfers were not authorized my me and I was not notified by Chase by any means. I called Chase TEXT Department and they tell me that day ( XX/XX/XXXX ) they did not send me any text message. I never use wire transfer before and I don't pay rent because I owned my own house. I don't know who is XXXX XXXX I did not log in Chase account on XX/XX/XXXX. On XX/XX/XXXX when I log in and found out the unauthorized transfers, I noticed Chase immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: NEW YORK COMMUNITY BANCORP INC
State: MI
Product: Credit reporting 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:
debt not mind wrong address wrong birthday inquiry not authorize collection not mind wrong reporting of everything

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 2022-12-24
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: Reporting company used your report improperly

Complaint:
Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX XXXX and I feel very stressed out! because my credit reports are in accurate, please! I need these accounts to be removed to help me move forward with my life! 

XXXX XXXX : Account numberxxxxxxxx XXXX XXXX XXXX XXXX : Account numberxxxxx XXXX XXXX XXXX XXXX : Account numberxxxxx XXXXXXXX XXXX XXXX : Account numberxxxxxxxx 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 2019-12-03
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
I am filing a dispute through AMEX against XXXX XXXX. I have refused delivery and pickup of an item I supposedly won on some online auction. XXXX will not refund me even though they are in possession of the item ( and have been since XX/XX/XXXX ) and I continue to refuse delivery/pickup of the item. AMEX has all the evidence they need, but still has not decided the case in my favor, even though I have never had the item and I refuse delivery of it. XXXX XXXX. No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: National Recoveries, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My school XXXX COLLEGE ( XXXX VA ) closed in XXXX, I have a withdraw date of XXXX I never completed the program it has been impossible for me to obtain any information from the school and I should have had my loan automatically discharged and it was not, I enrolled in XXXX and was completely unaware I still had this loan or that it has defaulted. My entire federal tax refund was offset due to this and has caused me and my XXXX children EXTREME HARDSHIP, I am facing EVICTION and losing my car. I have applied for borrowers defense due to school closer and requested IMMEDIATE return of offset due to extreme hardship. After providing all forms and documentation requested of me I am being told it could take up to 65 days to maybe get my money back. The HUGE problem with this is that I WOULD HAVE ALREADY BEEN EVICTED. The loan service is terrible! they have lost documents I have sent directly to them and the reps seem to have no idea what they are doing, I get different information every time i have called. If it had not been for me calling daily I would have missed the deadlines given due to their negligence. IT IS VERY CLEAR THIS DEBT IS NOT ENFORCEABLE.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
Submitted original dispute : Claim number : XXXX MERCHANT NAME DISPUTED AMOUNT XXXX XXXX INSURANCE {$650.00} They have requested additional information that i did not provide to them on time, however i have contacted them and provided them the paperwork they have requested, or anything i have had available in regards to the dispute, including letter from XXXX XXXX  stating that i am on monthly payments for my insurance, and a lump sum payment has never been charged to my account. 

I have also called the number on the statment or my credit card, that told to contact my XXXX XXXX  agent, which i did who provided me information in writing that was forwarded to the bank. Also from that number below it states that if i do not recognize this charge to dispute it and then call disconnects. My XXXX XXXX agent confirmed to me that they have not charged me that amount, and the only account i have with them is my car insurance. Below are transaction details. The bank refuses to give me back my money for below reasons : - We didn't receive valid documentation to show that the charge ( s ) was paid by another means. -I HAVE PROVIDED THEM BILLING STATEMENT SHOWING ALL PAYMENTS MADE FROM ANOTHER ACOUNT -- - - The information we requested wasn't received by the specified date. We're required to meet -- -THAT HAS BEEN RESOLVED AND DISPUTE REOPENED -- - specific guidelines and time frames in order to pursue your dispute ( s ). 

Transaction date : XX/XX/2022 Card type : Visa Transaction type : Purchases Merchant description : XXXXXXXX XXXX XXXX Merchant information : XXXX, IL Reference number : XXXX Merchant Name : get more information about merchant name change XXXX XXXX Select toEditthe merchant name Transaction Category : get more information about transaction category Insurance : Insurance Select toEditthe transaction category Online Purchase : Y

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Capital One continues to use my email address to send information and account updates for their customer XXXX XXXX XXXX despite my not being XXXX XXXX XXXX. I think its a simple matter of their customer having mistakenly entered my email address. Ive been receiving these emails for more than a year and Ive made three calls to Capital One informing them that I should not be receiving these emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: PA
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:
Equifax did not remove a medical collection under {$500.00}. I filed dispute Confirmation number : XXXX on XXXX to remove a medical debt under {$500.00}. Equifax reported that it is being reported correctly. They previously removed the debt earlier in the year as they should and it came back to the report in XX/XX/2023. Equifax even has a creditor class of " XXXX XXXX '' for the {$440.00} balance. 

To add, I paid the account in full, and I'm not sure what the {$440.00} is for anyways. See attached details : 1. Original invoice for {$2000.00} from the ambulance company 2. New invoice showing the {$2000.00} paid 3. Equifax dispute document that shows " XXXX XXXX '' and a balance of XXXX, with their statement saying it is correctly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX Fraud  Department XXXX Ext XXXX, From : XXXX XXXX, XXXX XXXX To : XXXX XXXX XXXX Sent : Tuesday, XX/XX/2021, XXXX XXXX EST Subject : RE : Affidavit for XXXX Thank you for the signed affidavit. The bank of first deposit will also need proof of alteration in order to process you claim. ** When emailing the affidavit back PLEASE include proof of alteration, which can include any of the following : Carbon copy of check, scanned image of check before alterations, invoice, bill, or any other supporting documents. ** Your claim will not be submitted without proof of alterations, no exceptions** This was the email sent to me by the Fraud Department at XXXX , Chase Bank wants burden of proof of the fraudulent withdrawal of my checking account from any unknown subject who stole my check from the mail, white washed the check and filled in the amount of XXXX, causing financial destruction and employment not only for myself but for my son. I have now been fighting XXXX to get my money back, which I might add was a loan to move for employment, now I am responsible for the payback and interest of this loan. Now my son lost his job, I lost my interviews, could not move, am devastated financial because they also deposited my Social Security check in the old account even though they said to come to bank and they would transfer to new account, when I got there they said they did not know to transfer. Talk about criminal activity this is an inside job, from Chase Bank and XXXX, not to mention the US Postal Service, must be a XXXX. Now I have the burden of proof that I took out a loan to move and not wrote the check to someone I don't know and for what? This is criminal and someone needs to be pay, I have suffered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance to Fair Credit Report Act XXXX  Account XXXX ( XXXX XXXX XXXX ), XXXX ( XXXX ) has violate my rights. 15 U.S.C Section 602A states I have the right to my privacy. 15 U.S.C 168 Section 604A Section2 states consumer reporting agencies cannoli furnish accounts without my consent.

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 2022-12-02
Company: EQUIFAX, 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 Account # XXXX, has violated my rights. XXXX pledging us as collateral to back government debt. 
HJR 192 Remedy the government has obligation to discharge and settle debt we may incur

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: JPMORGAN CHASE & CO.
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:
Hello, I had a credit alert last summer of 2022 that my score had dropped immensely. I logged into XXXX account to see if anything was ontoward. I saw that there is a credit card with JPMCB in my name in the amount of approximately {$67000.00} that was unpaid. The address attached to this card is an apartment address in XXXX XXXX. I live in XXXX XXXX. Prior to that I lived in XXXX XXXX. I have never had another address in Florida or the XXXX. I have never had a credit card with this company either. The card is also opened in a business name with my name. It is similar to me but not the name of my company. I have spoken directly to JPMCB XXXX XXXX to dispute this and also with XXXX XXXX reporting where I keep an eye on things. I had experian remove this address from my file. I have received a letter from JPMCB saying that after months of investigation they have determined that I am responsible for this account and that they determined the address via public records. Also, basing their information on the fact that there were no returned statements and that previously the card had been paid by money order before I am assuming the person stopped paying. WHat doesnt make sense is that I explained to them I have never had an address in XXXX and if that is what is attached to this account, why would that person who opened the account return the statements? It seems also obvious that if that person wanted to make larger or more purchases, wouldn't they would pay something so they could continue to use it? In any case, please can you help me to remove this address from the public records and or advise me how to prove to JPMCB that this is in fact not me. I have no other blemishes on my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-10-17
Company: BARCLAYS BANK DELAWARE
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022, a customer representative from JetBlue Credit Card XXXX XXXX Barclays ) called to ask me if I had made seven purchases of a portable stereo CD player from XXXX. I stated no so the rep. said not to worry because the fraudulent transactions would be reversed and I would not be charged. I received a letter from Barclays dated XX/XX/2022 that stated I am not responsible for the fraudulent activity. I later received letters from Barclays dated XX/XX/2022 and XX/XX/2022 stating that I am now responsible for the charges of {$1300.00}. I disputed the outcome and still have not been credited for the fraudulent purchases. 

I spoke to a representative that stated the tracking number associated with the seven portable stereos shows delivery to my address. I later went directly to the post office to get details on the usps tracking number XXXX XXXX XXXX XXXX XXXX XXXX. This tracking number does show delivery to my address, however, the weight of the package was only XXXX ounces and postage was {$3.00}. Obviously, the weight and cost does not equate to shipping one portable stereo let alone seven. I do recall receiving an empty envelope with no return address and a delivery confirmation number in early XXXX. I thought the empty letter was odd but did not keep it since there was nothing suspicious going on at that time. This is shown in the submitted documentation along with the police report that I filed. 

For some reason, Barclays is still insisting that the tracking number is proof of my receiving the seven portable stereos. I asked a customer service rep. from Barclays to let me speak to a manager and was told none are available and that I would receive a call within a couple of days. It's been several weeks since that call and I still have not heard from a manager at Barclays while I keep getting credit card statements showing interest and penalties accruing on the fraudulent charges.

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