BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
Company: JPMORGAN CHASE & CO.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
I received a cash check of XXXX on XX/XX/2023, from a car dealership. At the time, I had to leave the States, so I asked a very close friend of mine that is in the States to help me cash the check. 

We have called a Chase branch in XXXX multiple times to confirm that it is ok for him to deposit the check into his account for me as long as I write a line that says " payable to xxx ( his name ) -- xxx ( My name ). '' After he deposited the check, Chase bank suddenly told him that they had to lock his account because they had to call me to verify that I had approved him to cash the check for me, but there was another problem. The bank says, from their internal system, they can not associate my phone number with me, so they can not call me for verification. Now his chase bank account has been frozen, and the money has been locked. 

The bank says we have to verify the money within 10 business days, or they will have to close the account and suspend the money. The problem is, there is nothing I can do to make their " internal system '' verify that my phone number is linked to me, the phone number that I used when I open a chase bank account. On top of that I am currently overseas right now so I can't even receive any phone calls from the States.

If there is a problem like this, the bank should tell us at the very first beginning. Instead, now they are making the problem trapped in a loop like this. We had confirmed multiple times before we made this deposit, but they are now making it like it is our responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
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: Account status incorrect

Complaint:
there is an account on my consumer report that is being reported more than once. In addition, information is not correct. I was denied credit to get my daughter 's XXXX work done for all the inaccurate information that has been furnished to my consumer report. This false reporting is ruining my credit reputation, I have had to move in with my family because of fear I would not be able to get an apartment in a desired neighborhood. 

Also, according to federal laws a consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card My credit is my SSN and I have to give my SSN to apply for a " student loan '' therefore these tradelines are a result of my credit card.

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 2017-08-11
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I told Wells Fargo these transactions was n't me and someone took XXXX Out my account I made a fraud claim n you denied it and it s unfair and ca n't afford this. I should be protect by the bank n the insurance .. this bank is no good

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 2023-05-06
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX  data breach as well as Equifax 's XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
To Whom It May Concern : Good afternoon. There are 2 accounts, Bank of America and XXXX, that are listed on my credit report that I have never done business with and are fraud. Furthermore, when XXXX XXXX lowered my limits it made me look into my credit report to find these 2 accounts and other inaccuracies within my report. My company, XXXX, alerted me my personal info was compromised which included my SSN, DOB, ADDRESS, W2/TAX INFO, RELATIVES, etc. This is extremely concerning as my payment history and credit score is very important to me.

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 2023-05-19
Company: Instarem PTE Limited
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was contacted by a third party debt collection agency, XXXX XXXX XXXX, by mail on XXXX XXXX XXXX ( received XX/XX/2023 ) for debts associated with alleged accounts held with XXXX XXXX XXXX Instarem. 

I have disputed this debt as I do not hold any accounts with XXXX XXXX XXXX Instarem. I requested additional information from the creditor and received copies of the transaction details by mail on XX/XX/2023 ( dated XX/XX/2023 ). 

The account user for these transactions is using my maiden name ( XXXX XXXX XXXX ) and alleging that I have sent money to an individual using my father 's name ( XXXX XXXX ). The recipient accounts are associated with XXXX XXXX XXXX and XXXX XXXX XXXX. My father is a US citizen and does not reside in XXXX, nor does he hold any bank accounts there. 

I contacted the Instarem customer support email and included a detailed description of the transactions and requested they halt account activity. I received a response that the customer support email account is no longer monitored and that I need to log-in to an Instarem account to submit a query.

I am not able to log-in to an Instarem account as I do not hold any accounts with this company. 

The Instarem website has a customer support chat bot, but no other means to elicit help unless you log-in ( no phone number or additional contact information ). Again, I am not able to log-in as I do not hold any accounts with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EdFinancial Services
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
ED Financial will not process my student loan payment. I have been trying to pay my student loans in full since XX/XX/23. ED financial will show that my payment is processing, and then successful. It shows a {$0.00} loan balance. Then, a few days later, it shows a " payment reversal '' but with no explanation. My bank says nothing is wrong, nothing should be preventing the payment from going through. 

Our bank account information is correct. 
I have more than sufficient funds to pay off my loans. 
Our bank has confirmed that it's nothing on their end. 

Meanwhile, interest continues to accrue. I've now tried paying twice and both times ED Financial has reversed the payment for no reason. It has been approximately 17 days without success. 

I can not get ahold of ED financial to fix the problem. Their chat function isn't " available. '' Their phone lines don't work. It told me to expect to wait on hold for 300 minutes ( 5 hours ). I just want to pay my loans and stop accruing interest. 

I know plenty of others are experiencing the same issue. ED Financial won't answer their calls, provide information, or allow us to pay off loans. I can't reach anyone at ED Financial. It is unfair and has cost me hundreds of extra dollars in interest.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-06
Company: EQUIFAX, 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:
I'm making this complaint to notify the credit bureau AGAIN that I was a victim of identity theft. The credit bureau appears to be unconcerned with my desire to challenge unlawful items on my credit record. Because this is a clear breach of FCRA laws, I need the things removed from my file as quickly as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Skopos Financial, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried over and over and over again to get this issue resolved with this company and they seem not to listen. For years this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. This company needs to come up with a solution and fast. This collection was set to be removed from my credit XX/XX/2021 and it has not come off yet!! They need to figure out something because this comes to a matter of reporting negative stuff on my credit and buying a home for myself and 3 children. What do you want me to do settle before you remove it? Admit that I owe it. What is it that you want?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EdFinancial Services
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
EdFinancial Services has been transitioning into their new system. I made a payment to pay off three loans in XXXX. There was no issue with the payment or it being applied to my account. Now that payments are set to be due in XXXX, there is no online payment functionality to be found. My account keeps showing a XXXX dollar balance even though I have multiple loans accruing interest at this point. I can't make a payment at all. I have tried contacting the company through phone lines, but never get through. I have sent an email from their site. I have tried using their chatbots to get ahold of someone. This is completely unacceptable.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-10
Company: Title One, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My lein was not discharged. Title one transferred to FDIC who will not handle if not a bank and it was not a bank it was a servicing company. Title One is not doing there job and correcting the issue they are passing the buck again. This has been going on 23 years I want it corrected.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: WI
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, Experian is still reporting fraud on my report & I AM A VICTIM OF ID. THEFT, NOT ALLEGEDLY! & I appreciate Experian 's support in helping with this serious matter! Experian is violating the law & my rights, by still reporting fraud accounts : XXXX acct. {$2200.00} XXXX XXXX XXXX XXXX acct # XXXX {$11000.00}. XXXX XXXX XXXX acct # XXXX {$5400.00} These companies are not following the law & not providing true proof of validations, No wet signature, their records only prove a hacker used all my personal info. to open & maintain these accounts. I'm sick of this disaster & causing me & my family stress. I asked them to immediately remove these fraud accounts. XXXX XXXX XXXX XXXX are following the law & already removed these fraud accts. & I can prove this. By law all reporting agencies must report the same, complete & accurate information & Experian is breaking the law. Thank You ( also Im including pics of Dark Web surveillance of hackers open fraud accounts or attempting ) & Pics of the removal of the LandMark accounts aren't on 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 2021-06-03
Company: WELLS FARGO & COMPANY
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I cosigned a vehicle loan for a XXXX XXXX XXXX serviced by Wells Fargo in XXXX. I came across some old paperwork and discovered, as many consumers have, that additional insurance was added by wells, even with traditional insurance in place. It wasn't apparent at the time why the payments had increased, but the loan was more difficult to service as a result, it eventually ended in repossession and civil court judgements that I've had to defend myself from as recently as XX/XX/XXXX. I financed a house and car in XXXX, the rates of which were impacted the legacy of Wells ' actions. Please contact me for further documentation I'd be glad to provide, to assist the CFPB in taking corrective action against Wells Fargo. The damage that can be done, and has been done to borrowers, particularly minority borrowers like myself, can not be undone with dollars and cents, but require regulatory action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Subject : Formal Request to Investigate and Correct Inaccuracies in My Consumer Reports Dear Sir/Madam, Upon conducting a meticulous examination of my consumer reports, I have uncovered disconcerting inaccuracies concerning reported " late payments '' on specific accounts, including XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. To the best of my knowledge and recollection, I have consistently made on-time payments on these accounts. The inclusion of these inaccuracies not only undermines my creditworthiness but also raises serious concerns regarding the violation of my rights under the Fair Credit Reporting Act ( FCRA ) and various other legal provisions, including 15 U.S. Code 1681 section 602 A, 15 U.S. Code 1681 section 604 A Section 2, 15 U.S. Code 1666b, 15 U.S Code 1605, 15 U.S. Code 6802, 15 U.S. Code 1681i ( 5 ), and 15 USC 6802B.

It is imperative to note that 15 U.S. Code 1681 section 602 A establishes my right to privacy, and 15 U.S. Code 1681 section 604 A Section 2 stipulates that a Consumer Reporting Agency can not furnish an account without my written instructions. These legal provisions serve as the foundation of my rights and expectations regarding the accurate reporting of my financial history. The inaccuracies on my credit report, therefore, represent a violation of these rights.

In accordance with the FCRA and the various codes I have referenced, I must also bring to your attention that a mailed check of {$1000.00} per violation is to be issued to me as per USC and CFPB codes. Each inaccuracy on my credit report constitutes a separate violation, and I expect remuneration accordingly.

If you are unable to provide substantial evidence to support the reported late payments, I insist that you promptly correct my credit report to accurately reflect the true status of these accounts, which is " on time. '' To the best of my knowledge and records, I have never been late on these accounts, and these inaccuracies have the potential to significantly impact my financial well-being.

After the completion of your investigations and necessary corrections, I kindly request that you send me an updated credit report to the address stated above, along with the checks for the violations. I deeply appreciate your prompt attention to this matter and anticipate the resolution and correction of my consumer reports without undue delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XX/XX/XXXX I took out a loan through XXXX XXXX XXXX XXXX XXXXXXXX for the amount of {$960.00}. 

I was laid off in XXXX of that year and after XXXX that next year I was behind and was unable to keep up with my monthly payments. In XXXX the remaining balance of {$440.00} was charged off to collections, where it was paid off in full on XX/XX/XXXX. 

In XXXX of XXXX upon checking my credit report on Experian I found that the loan from XXXX was still there, listed as still holding a balance of {$440.00}. I disputed this balance as I am on record as having paid. 

The dispute was declined on XX/XX/XXXX so I disputed that result as well on the same day. On XX/XX/XXXX that dispute was also declined. I contacted XXXX and received a Loan Verification letter stating I owe {$0.00} balance. I reopened the dispute, and on XX/XX/XXXX it was also declined. At this point I had called both Experian and XXXX multiple times, each of them blaming the other. Experian defended that XXXX was declining the legitimacy of the loan verification letter sent, so I asked for information on the collections agency which they did not have as the account had been closed for so long. With a representative to help me, I reopened the dispute with the letter attached and it, again, came back declined on the XXXX of XXXX. 

I reached out to XXXX  again and I explained to a supervisor the situation, to which they said they would open a ticket and get this resolved. I called back 2 weeks later to ask for a status update and was told that they would give me one in a few days. A few days past and they contacted me, giving me the same loan verification letter via an attachment and closing out the ticket. Desperately, I reopened the dispute a fifth time and, much to my expectation, it was declined today, the XXXX of XXXX. 

I'm writing this in hopes to escalate the action against the companies in question. This incorrect information has been dragging down my credit score for a few years and I'm starting to feel powerless against it.

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 2021-10-01
Company: Experian Information Solutions Inc.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've tried to submit additional documentation to Experian through the upload website but it keeps saying that I can't submit anything. My online membership won't allow me to view any of my disputes. Experian has been notified that they are reporting inaccurate and fruadulent information on my report and they refuse to fix my consumer reports by removing the accounts that I have repeatedly brought to their attention. Experian is clearly breaking the laws that are defined in the FCRA. I have several complaints made through the CFPB and they still continue to violate 15 use 1681e ( b ), 15 use 1692g, 15 use 1681b ( 2 ), and pursuant 15 use XXXX are liable in the amount of XXXX per violation. I am providing a copy of the FTC report that lists all of the accounts that need to be removed immediately. this is myself sending in this complaint! I am attaching my drivers license as proof of identification.

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