BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am a long-time customer at Chase Bank. On XX/XX/2021 unknown persons gained electronic entry to my business account. Those people made 3 separate ACH withdrawals totaling {$15000.00}. I went to my local Chase Bank, reported the fraud. Chase closed the old account, opened a new one, and credited {$15000.00} to my new account. 
On XX/XX/XXXX, unknown person gained electronic entry to new account taking {$9000.00}. Went back to Chase and reported theft. On XX/XX/XXXX, unknown person again gained electronic entry to same account and stole {$4000.00} electronically and another {$1500.00}. I went back to Chase again. On XX/XX/XXXX, Chase credited the amounts stolen. On XX/XX/XXXX, I went to Chase and opened a savings account, where no on-line access was allowed. I put in {$10000.00} into this account and on XX/XX/XXXX I put another {$5500.00} into this account on XX/XX/XXXX. 
On XX/XX/2021 Chase Bank took back of of the credits they gave me as a result of the theft and did not notify me of this. I went into Chase on XX/XX/XXXX because I saw my business account was overdrawn by {$15000.00}. Chase told me they could not find any evidence of fraud and were taking back the reimbursements they gave me. The fraud department refused to give me any additional information. 
I never opened an ACH account for bills to be paid from my business checking. I don't know who stole my money, or why the Bank won't give the information. The people I have dealt with at Chase were XXXX XXXX, XXXX XXXX, and XXXX XXXX. 
XXXX XXXX helped me to file a complaint with Chase bank account. 
This is ruining my credit and my small business. 
The Bank won't give me information and never sent me any notice.This is just wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-07
Company: Experian Information Solutions 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 A VICTIM OF IDENTITY THEFT SOMEONE USE MY PERSONAL INFORMATION WITHOUT MY CONSENT AND KNOWLEDGE TO OPEN UP FRAUDULENT ACCOUNTS PLEASE DO NOT OPEN ANY ACCOUNTS WITHOUT CALLING FIRST ( XXXX ) XXXX I am writing to request and initiate a formal complaint against XXXX   XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2021-04-13
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
This is a complaint against Paypal. I have been using Paypal for more than 3-4 years now and for the last year, since the pandemic, I have been actively using Paypal and its services to buy/shop things, transfer or send money to friends and family. But then all of a sudden, I get an email from PayPal that my account is permanently limited and that I won't be able to use it anymore. I won't be able to send/receive money and if that wasn't enough, they mentioned that I won't be able to transfer/withdraw the amount that I have in there! How is this not extortion? I tried reaching out to them because I still believe this is a mistake but after multiple phone calls ( on average lasting about 2.5 to 4 hours ) and attempts to reach them, I still haven't talked to a single person or heard from them. As a last resort, I had to try you guys out and check if you guys can intervene and help me sort this out. My email address associated to the Paypal account is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the ( account name : XXXX XXXX XXXX ; Account Number XXXX ) or ( account name : XXXX XXXX XXXX ; Account Number : XXXX ). 

Please investigate and provide proof with statements showing that these payments were late and were not on time. If proof can't be provided I demand these payments be updated to on time as they should be as is Never late. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: ZWICKER & ASSOCIATES
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am writing to express my grave concerns and to file a formal complaint against XXXX XXXX, their legal representation, Zwicker & Associates, and notably, XXXX XXXX XXXX, regarding an account under my name. 

Overview of the Issue : Initially, I faced a debt with XXXX XXXX of {$6600.00}. With a genuine desire to resolve the matter, I settled the debt for {$3600.00}, agreeing to a payment plan of XXXX XXXX  monthly. 

Everything proceeded smoothly until XXXX, when I had to close my bank account due to fraud. I immediately reached out to Zwicker & Associates, hoping to adjust my payment method to my new bank account. However, they insisted on only speaking to my attorney. 

The journey with my legal representation has been tumultuous : In XXXX, I sought assistance from the XXXX XXXX XXXX ( XXXX ) for debt settlement. 
By XX/XX/XXXX, my case transitioned to XXXX XXXX. 
Eventually, my case was handed over to XXXX XXXX XXXX. They have been particularly non-communicative and appear to be in violation of ABA rules 1.3, 1.4, 1.5 ( b ), and 1.9 by not replying to me or other litigants. 
XXXX XXXX XXXX 's lack of communication left me in a precarious situation when Zwicker & Associates took the drastic measure of filing for an interrogatory with the court, aiming to garnish the full amount. 

Remember XXXX stated I could not pay them directly because I had to have my attorney involved and yet they felt it appropriate to communicate with me directly regarding an interrogatory. They seem to want to have their cake and eat it too. 


Current Situation and Plea for Intervention : The absence of communication from XXXX XXXX XXXX and Zwicker & Associates ' refusal to liaise directly with me has left me cornered, even though I have shown nothing but willingness to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I are currently trying to refinance our home. We originally had a mortgage from XXXX. The loan was sold to SPS Servcing in XXXX. We are unable to get the home refinanced due to a deferred interest balance that XXXX had put on our account. We do not recall having the loan remodified or payments deferred. The underwriter is asking for paperwork showing what this interest is for. 

I originally spoke to SPS XXXX  weeks ago to see if they had documentation from XXXX explaining the interest. I was told that this was something that was done by the previous lender and they only documentation they had were copies of statements. They said I would have to contact XXXX. I am sure you are aware that XXXX is out of business! There is no one we can talk to about this deferred interest! 

A week later I spoke with SPS again to see what paperwork was sent from XXXX when the mortgage was sold to them. I was told nothing was sent over from the previous lender. How can this be- where is all the paperwork! 

A few days later my mortgage officer from XXXX XXXX and I called SPS on a conference call to see if we couldn't get some sort of explanation! We found the individual from SPS to be nice but no very willing to do any research or look further to try and assist us! 

On Tuesday, XX/XX/XXXX I called SPS again to see if they had found anything. I was told by the individual who answered the phone that she found a document dated XXXX that showed the deferrment. She was going to send it to me. I did not receive it! 

Once again on Wednesday, XX/XX/XXXX my mortgage officer and I made a conference call to XXXX at SPS to see the status of the document that the individual from the XX/XX/XXXX call was going to send me. She informed us that according to their correspondance no request for a document was issued. 

We were on the phone with XXXX for about XXXX minutes asking and begging her to do further research and she replied that all she had were the papers in the files. She finally agreed to have the research department look at our file. She obviously was not willing to do anything further than read her file. 

My husband and I are between a rock and a hard place- we need to get our home refinanced ASAP. 

How can a company like XXXX sell a mortgage and not forward all the documentation to the new owner ( SPS )? 

Please help us. 

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 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XX/XX/2020, I mailed ( certified mail ) a letter to Transunion credit bureau inquiring about negative information reported by " US BKPT CT PA XXXX '' in the file that they maintain under my Social Security number. I challenged the inaccuracy of this information and requested that within 30 days that they provide me with copies of any documentation associated with this supposed account, bearing my signature as well as information about their method of verification. They received and signed for the letter on XX/XX/2020. They did not indicate on my credit report that this item was in dispute, still, as of XX/XX/2020. They mailed me a response stating that they " verified '' the information via US BANKRUPTCY COURT, but did not say exactly who verified it for them or their contact information. I mailed them another letter in turn on XX/XX/2020 to dispute this information. I included with the letter also a copy of a statement from the clerk of courts stating that they do not verify public records to credit bureaus. This letter was received and signed for on XX/XX/2020. I received a reply from them dated XX/XX/2020, which was simply another copy of the credit report stating that the information is " verified as accurate by US Bankruptcy Court. '' Again, I mailed them a copy of the statement from the Clerk of Courts verifying that the court does NOT verify public records, so how can they possibly verify this supposed bankruptcy via the court? This is an inaccuracy in reporting and per FCRA, this information must be removed from my report immediately. In addition, they broke the law by not indicating on my consumer credit report that I am actively disputing this item. I have attached several documents for review and proof. I have attached two letters that I drafted to Transunion, as well as their responses. I have attached the letter I received from XXXX XXXX and the US Bankruptcy Court. I have also attached a copy of my credit report dated XX/XX/2020 which clearly shows that they have not noted that I am disputing this item on my report. Thank 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 explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: NY
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:
Again, I was going through my records & noticed the fraudulent information and accounts which do not belong to me STILL reposting on my file in Experian. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I have already disputed these items several times and stated that I am an identity theft victim. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially ... and I would truly not what to pursue a legal remedy... Now, I want you to REMOVE these items from my file like the other bureaus have done. 

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 2023-11-13
Company: EQUIFAX, INC.
State: SC
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: JPMORGAN CHASE & CO.
State: DC
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:
On XX/XX/XXXX, I entered a contract with restaurant XXXX XXXX XXXX and paid a {$150.00} fee to reserve a private dining room for an event on XX/XX/XXXX. The contract stated that I would charge {$250.00} if I cancelled the event. One half of the restaurant was closed for reservations, but I was told that there would be options between a private room at in the wine bar ( which was open ) or in the new private room ( in the part that was being renovated ). 

A few days before the event, the event planner mentioned by email that the private room would not be available, but that a private area would be created for us on the back patio. On the day of the event, we were not provided with any private dining area- we were seated in a general dining area next to two other tables. The restaurant refused to refund the private dining room reservation fee even though a private dining room was not provided. 

I opened a dispute with Chase on XX/XX/XXXX. I spoke to Chase over the phone on XX/XX/XXXX, and uploaded documents as requested on XX/XX/XXXX. On XX/XX/XXXX, Chase denied my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-20
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
My vehicle was deemed totalled XX/XX/XXXX. I sent the POA and other documents to XXXX XXXX XXXX  who forwarded the information to Kia Motors Finance on XX/XX/XXXX. Supposedly the documents were never received, so the letter of guarantee to actually close the loan was not issued. I was told multiple times before XX/XX/XXXX that the documents were received and the letter of guarantee had been sent. However, when I spoke to an agent on XX/XX/XXXX, I was told the documents had not actually been received. I requested for the insurance to resend and supposedly this was done on XX/XX/XXXX, which KMF verified when I've followed up. I was told the LOG would be sent in XXXX business days and as of today, XX/XX/XXXX, no LOG has been generated. I've called, as well as the insurance company, and each time, no one can provide an answer, but can only escalate the issue. I've requested information 4 times from the Total Loss department and received nothing in response. In the meantime, the loan is still open and I'm required to make payments that are hard to produce, especially considering that I have now had a new car for THREE months.

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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have demanded on several occasions ( XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 ) for XXXX XXXX XXXX, XXXX, TransUnion, and XXXX to remove the alleged derogatory late payments from XXXX XXXX XXXX that is reporting on my consumer report. I never gave permissible purpose for them to furnish anything on my consumer report without my written permission which is my rights as a consumer pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As well as the violation of 15 U.S. Code 1666b.Timing of payments.

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 2023-11-17
Company: EQUIFAX, INC.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. XXXX XXXX XXXX XXXXXXXX Balance : {$86000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
Company: Experian Information Solutions Inc.
State: NY
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:
as of XX/XX/ i have notice fraud accounts and inquiries on my credit report account name : XXXX XXXX account # XXXX account type : credit card date XXXX credit limit : XXXX high credit limit : XXXX $ last date XXXX incomplete account number this is grounds for removal of fraud account " fair cares act ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-11
Company: BARCLAYS BANK DELAWARE
State: VA
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: Problem with personal statement of dispute

Complaint:
Im XXXX XXXX XXXX XXXX. I went TDY on training out of the country on XX/XX/2020. On XX/XX/2020 a payment didnt go through and after contacting my mom as a emergency contact she paid the payment on my behalf. Once I return in XXXX, Ive noticed a 30 day late payment charge on my credit report. Ive been a customer with no missed payments for over 4 years. Ive called and send them documentation showing my orders in XXXX and XXXX and early XXXX and I was told it cant be removed.

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 2023-12-03
Company: BARCLAYS BANK DELAWARE
State: NY
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:
Unauthorized hard pull inquiry on my credit report. I have no knowledge nor did I consent to these hard inquiries on my updated credit report. 

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 2023-08-17
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased a vehicle from U.S Auto Sales XXXX XXXX XXXX XXXX XXXX XXXX. I paid {$1300.00} down and since XX/XX/2023 paid {$2100.00} of payments towards the vehicle. I received a letter that the company was closing in XXXX, XXXX XXXX XXXX I received a letter from Westlake Portfolio Management , LLC about taking over the loan for {$22000.00}, the starting cost before I paid the down payment and any payments towards the vehicle, so basically what I paid in I loss, and that's not fair to me, because I'm not the reason the company went out of business.

Company response to consumer: Closed with explanation