BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have attached an affidavit detailing my statement on this matter as well as a screenshot of my cell phone showing I never received a wire confirmation. 
It is abundantly clear that someone hacked the credentials to my account, logged in, updated the contact information, and executed a wire without my knowledge. This should not have been possible if Chase had adequately secured my account. 
I reject the decision that I executed this wire and received " goods or services '' in return. I demand this case be reconsidered and my money returned to my account. I do not understand how you can assert I received goods or services and yet not provide any proof to that effect. I also do not understand how someone was able to change my contact phone number for wire/fraud authorization/notifications without the number on file being notified, this is unacceptable and a failure by Chase to protect my account. 
As stated above, I demand this case be reopened and reconsidered with the additional affidavit and screenshot provided. I have been a client of Chase for many years, and I expect this to be resolved in a satisfactory manner. I will not hesitate to consult counsel on this matter if Chase fails to perform its duties as required by law. 


Thank you, XXXX XXXX AFFIDAVIT The State of New York County of XXXX ) S.S. 
) I, XXXX XXXX, of XXXX XXXX, New York, MAKE OATH AND SAY THAT : 1. I never authorized a wire on XX/XX/2023 for {$4900.00}. 

2. When I saw the pending debit in my account at XXXX on XX/XX/2023, I immediately called Chase Claims Department to dispute the wire transaction. 
3. I was advised by Chase Claims Department that a wire confirmation message from chase was sent to XXXX at XXXX XXXX on XX/XX/2023. 
4. I was advised by Chase Claims Department that just prior to the wire being sent, the phone number on my account was updated to XXXX. 
5. I did not authorize Chase to add number XXXX to my account. 

6. I was not notified that Chase changed the phone number on file for my account to XXXX. 
7. Neither myself, nor anyone affiliated with or known by myself, is connected to or has knowledge of the phone number XXXX XXXX. 
8. I did not place this wire transfer request, nor did I receive any goods or services in relation to this wire transfer, and I had know knowledge of this transfer prior to XXXX on XX/XX/2023. 
9. I am attaching a screenshot of my cell phone message log showing that no message was received on my phone at XXXX on XX/XX/2023. This cell phone number of the phone this screenshot was taken is XXXX. 
10. I have had only one cell phone number, XXXX, for many years and have not changed this number

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: ADP, LLC
State: CA
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:
on XX/XX/2018 my XXXX ( XXXX XXXX ), card was decline on a transaction due to low funds on the account, when I arrived to my house I checked online and notice multiple transactions that I did not authorized and called Global Cash Card and explained to them, of the transactions that made on my account with out my authority. at the time of speaking with a Global Cash Card rep, the person who I was speaking with looked at the information in their system and agreed of the multiple transactions. further more they explain if I do not receive a letter I should get a credit back to my account or if I receive documents to fill out to do so and send back .... I received a dispute form on XX/XX/2018 and send back to Global Cash Card Dispute Dep. via email by XX/XX/2018. on XX/XX/2018 I received a letter from Global Cash Card dispute Dep. determining no error and because of that they will not credit my account back on the unauthorized transaction that I explain to them I did not make, soon after receiving the decline credit letter I called and then I was asked to get a police report to re open the case since they decided to close the case. got the police report and send via email and to this point I have try to contact Global Cash Card by phone and via email and still they're saying the investigation was finalized and determined there was no error and no credit will be issued. I have explain to them, that I did not gave anyone authority in any way shape or form to use my card and have not misplace my card..also I have received any information/documents they say they used to make there decision ... I mention to Global Cash Card, that I do not have none of the Disputed accounts. also attached are PDF and Note files and have proof of emails we send to them per their request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Nelnet, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 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 und
er 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 INSTRUCTION to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of negative accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: MO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$6900.00}

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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.

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 2022-11-04
Company: WELLS FARGO & COMPANY
State: IN
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:
Images I included are from XXXX  reporting and messages in past years I received from them. I also have other documents from local courthouse. XXXX refuses to give me any statements Images reflect loan was taken out in XXXX  and other image shows it the following year opened up.. only one home reported on my credit wihich its not deeded to me and Ive never XXXX a payment whatsoever

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 2023-07-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/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 2018-08-09
Company: Experian Information Solutions Inc.
State: MI
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:
In XX/XX/2017 I arranged to have my past due and current balance paid to XXXX XXXX XXXX Credit Card through My XXXX XXXX   Checking account for the Month of XXXX. 

It is stated and can be confirmed by XXXX XXXX that : 1 ) the amount required was in my checking account 2 ) I did call in and attempt to make a payment BEFORE the 30 days from my prior payment lapsed and therefore becoming " 30 days late '' per FCRA. 

You can check with both institutions. These are factual statements I attested to. 

However the routing number supplied for my region online was incorrect. I have been with Bank since it was XXXX XXXX XXXX. 

After I the due date, I noticed the funds had not left the account. I called XXXX XXXX and found that they could not locate my account within XXXX system to debit the funds, because the supplied routing number was not associated at that time with my personal checking. I walked into the branch the following day and they supplied my current routing number. I made the payment but because of the amount of time the 30 days had lapsed and now a 30 days late was recorded.

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 2023-08-24
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: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices 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 2023-02-03
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: Was not notified of investigation status or results

Complaint:
Hi, I sent your company a dispute letter last month, XX/XX/2023, It's been over 30 days already but I still haven't got any update in any form coming from your company. I am aware that the FCRA is requiring the CRA 's response within 30 days but I don't know. I read on the internet that I can ask for help from CFPB, XXXX, and the Office of the Atty General so I'm resending the documents that I sent last month for you to look into. Thanks!

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 2018-08-09
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
CFPB, This credit bureau has failed to meet the FCRA on numerous occasions. I have filed 3 dispute letters for the past three months regarding a Bankruptcy on my credit report. They continue to deem this verified as accurate but, they have failed to provide proof or a verifiable signature that this is in fact my bankruptcy. I am requesting this be removed from my credit report immediately based on the fact they have not meet the FCRA over and over again. 

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 2023-11-15
Company: TransferWise Ltd
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
We hereby file a complaint against WISE for their actions. 
The facts : We opened a multi-currency bank account for our company with WISE in XXXX 
WISE closed our company 's accounts, which would have been lawful if they had acted in a professional manner, respecting their client 's rights and business, i.e. all the legal rules incumbent on financial intermediaries. 

In fact, this closure was carried out suddenly, without any reason, without any notification, and without any notice period, disrupting the business activity of our company. 

Overnight, we were denied online access. Having received no prior notice from WISE, we estimate the closing date to be around the end of XXXX XXXX 

What's more, since our access has been totally blocked, WISE has prevented us from retrieving a summary of our financial accounts for XXXX and the year-end, so that we can take copies and print them out for our auditors. As a result, we are now unable to justify our accounts, with the corollary of unjustified requests for payment to customers and major reporting problems. 
Since this closure and despite our requests, email contacts, complaints, and formal notices, WISE has implicitly : 1/ refused to return our assets 2/ refused to provide the data they are obliged to communicate to us, i.e. the account statements requested ( for the years XXXX and XXXX  up to the date of closure of the accounts, then liquidation ). 

In the absence of a solution and fed up with their procrastination ( contacts with WISE 's COMPLAINT department have gone unanswered, WISE has twice failed to meet their own deadlines for supposedly dealing with problems- which ones? ), we are forced to lodge a complaint against WISE for misappropriation of funds and improper retention of our financial data, this type of behavior being clearly contrary to the obligations that WISE or its parent company entered into with your organization to obtain their license. 

We request your intervention as the supervisory body for this financial company, and we would like you to take the following appropriate coercive measures against WISE : - restitution of our assets with interest due, - a summons to deliver the statements of financial accounts requested, with a daily penalty of XXXX USD per day, - a disciplinary indemnity of XXXX USD in our favor for failure to comply with their financial obligations and improper retention/or breach of trust, - plus appropriate administrative sanctions for WISE 's failure to comply with their license. 

What would be a fair resolution of this issue : - restitution of our assets with interest due - deliver the requested statements of financial accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: CHARLES SCHWAB CORPORATION, THE
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was frauded by someone posing as a professor at my university offering a remote work position by spoofing and redirecting his email. I was emailed a check for {$2500.00} on XX/XX/XXXX and cashed it on my phone into my Charles Schwab Bank account on XX/XX/XXXX. I was told to send {$710.00} for my supplies to a XXXX account under the name of XXXX XXXX, which shows up on my bank history as XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the check I initially cashed on XX/XX/XXXX was returned and the amount was taken out of my account. I initiated a dispute with my bank on the XX/XX/XXXX and received notification from the bank that the funds could not be recovered on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I completed my XXXX XX/XX/2008. Since my 10 years For loan forgiveness is coming up I submitted some Documentation from hr supporting the length Of time I had worked as a XXXX. 
I got a reply from the dept of ed stating my loans did n't Qualify. I began looking for a better loan rate Because navient said I could n't lower my rate. 
I was about to refinance my loan with a private company with a lower apr Then navient gave me the number to the dep of ed When I called the dept of ed, they walked me through the application and lowered My monthly payment. I called navient back and the y told me that per dept of ed rules I have To wait ten more years for loan forgiveness. I explained That if I knew I had to apply to qualify I would have done it immediately after graduating They said that it was the dept of ed rules and sorry. They are freezing my payments while my loan forgiveness application is pending. 
Approx 2 months. It seems that they deliberately did not tell me about applying for The loan forgiveness until I was about to transfer my loans from navient to a private lender. 
I do n't feel I sgould have to wait more than ten years for loan forgiveness. They also advised me to take a foreberance on two occasions. I feel taken advantage of and deceived by navient

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have unknown accounts on my credit report. Please refer to attachments for details.

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