BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-10
Company: JPMORGAN CHASE & CO.
State: NY
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:
I received a bill from Chase for my Chase Amazon Card. The card has been compromised and there are illegal charges on it. I informed Chase who refuses, as required, to hold these charges in abeyance as required by Federal Law.. They saw I should call the company I never placed these orders with. They have no number, which was told to Chase which they ignore. The only number I have that actually a works is for a company called XXXX which is a shell company for XXXX the one illegally charging my card. The other companies charging my card are all " full filled '' by XXXX. I never ordered these products, t hey keep shipping them Chase wont stop decline the charges nor will " XXXX ''. This is scam that Chase refuses to deal with, putting onus on me to reach a company they has no phone, and refuses to reply to my requests because they are crooks. I asked Chase to issue a new card, which they have sent me bills for but I never received the card. I called and asked for the card and to notify them it never arrives, they refuse to do anything about this as well. I wrote their CEO on XX/XX/2019, and he does nt ot reply nor anyone form his office. I then said please just cancel they card, but they refuse to do that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Debt collection for an old credit card debt, portfolio recovery associates has been harassing me with phone calls. I explained to them over a year ago I was very sick and was not working. I told them not to call me. Every time they call me I tell them I have repeatedly told them to not call me. They start yelling at me so I usually yell first now, tell them I have told them not to call me and I hang up. Sometimes they call up to 3 times in one day. Most of the time I ignore unknown phone numbers because of this one company, but recently I missed an important call because I didnt answer. I just want this company to stop calling me daily and harassing me. They can communicate with me via US mail if they wish.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: Exeter Finance Corp.
State: CA
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:
On my credit report, Exeter finance keep reporting late payments. I have talked to a person regarding the ability to make payments on a car loan and payment arrangements which I started making with the exception of Exeter finance but they keep reporting late on my credit report its saying also my last payment was made in XX/XX/XXXX of XXXX, which is incorrect because I have made payments I have made XXXX and XX/XX/2023 payments which would be XX/XX/XXXX and XX/XX/2023. I dont get how its saying that my last payment was received XX/XX/XXXX even after we made an agreement that they would put whatever was late at the end of the remaining balance so it will stop showing up on my current report as late payments. This is damaging my credit and I need them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: JPMORGAN CHASE & CO.
State: FL
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:
COMPLAINT There were three Unauthorized transaction performed by JP Morgan Chase on my account on XX/XX/18, XX/XX/18 and XX/XX/18. The money were sent to XXXX XXXX without my permission and knowledge, Bank owes me my {$24000.00} I reviewed page 21 of Deposit Account Agreement, under section E, titled In case of Errors or Questions about YOUR Electronic Fund Transfers, it does not apply to this transactions because they were not MINE. If it was mine it would apply to my case, but transactions were not mine, I was not aware or authorize these transaction in any way shape or form. Account was mine, money were mine but actions were by JP Morgan Chase. This section applies to the case if I sent {$8000.00} instead of {$80.00} or changed my mind. This is not a case, I did not send my money to XXXX XXXX, the money were sent without my permission or knowledge. Claim handler XXXX about whom I complain. I is very unprofessional in handling my claim, first of all he has no idea how alerts work, second stubbornly treats transactions my account as they were MY transactions, while those transactions are all done UNAUTHORIZED without my knowledge, but on my account. message for 12th time. How can I defeat this tremendous bureaucracy and get MY money stolen from my account??? Money supposed to be deposited according with my instructions to my other business account XXXX XXXX XXXX. {$24000.00} In addition to my original and unanswered complaint a received a letter with Chase letter head, informing me that application XXXX rewards visa card application was received in my behalf. 
Who gives you right to share my personal information with XXXX?? Reference number XXXX. 
If bank did not do it, it certainly fail to protect my personal information. I did not apply for any XXXX VISA. These will be all part of my lawsuit and Class Action suit against the bank for all the damage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Account XXXXXXXX XXXX XXXXXXXX Account XXXX The account was settled XX/XX/XXXX per agreed terms. There is nothing owed since XX/XX/XXXX and nothing past due since XX/XX/XXXX. XXXX case # XXXX. 

Most recent contact with XXXX was XX/XX/XXXX. I have been told several times since XX/XX/XXXX the issue will be resolved yet false reporting and debt collection efforts continue. Credit score has been impacted negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have filed numerous complaints against a financial institution. My complaints have been ignored. The financial institution refuses to take any responsibility for what has happened and still is happening to me. The financial institution states that they paid me the money back. They did not. They state that they did not send my banking information to another person in another state. Two people were arrested at the address on my financial papers holding the banking information the financial institution claims they did not send. My identity has been stolen to the degree I am unaware of any way to fix this. This happened because of the financial institution. The financial institution gets to just walk away. They are not being held accountable for anything that happened financially or personally to me. I get to live with this huge mess. 
I have found there is no law enforcement of any kind that helps someone in the situation I am in. At the beginning until someone was arrested this past XXXX. I have been treated like a criminal. I have been accused of lying, stealing my own money and making the entire story up. Until in XXXX EVERYTHING that was stated in my 2 plus years of police report. was documented and proven to be correct. 
However, the financial institution still claims they didn't do this. Still takes no responsibility, and still refuses to give me back my money. looks to me like they won. 
I on the other hand am living with this identity theft created by the financial institution. XXXX knows how many people they " didn't '' send my information too. 
I would like this printed, I would like everyone to know, if you are the victim of identity theft. There is no one that will help you. You will not get your money back. And you will be drug through the wringer on any investigation law enforcement can dig up or create on you. Criminals have more rights than the public does.

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 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 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. 
The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX 2. there is some inaccurate information reporting. 
XXXX XXXX Bankruptcy XXXX XXXX : XXXX Delete this account. 
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-03-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2022 my mom sent me {$450.00} using PayPal. I easily linked a personal debit card to the PayPal but when I tried to transfer to my card, I got a notice saying my account was limited and they needed certain documents to verify my identity. I immediately sent over a picture of my license, my cell phone bill and bank statement. Next thing I know they have permanently limited my account and I have to wait 180 days to get my money. It was sent to me to help pay my rent. I just lost my husband of 29 years to XXXX XXXX weeks ago, taking care of him I drained my savings, XXXX, etc. That money was to keep a roof over my head, now I'm going to lose my home if I don't get it back. I've contacted PayPal many times as have my mom only to be told nope, too bad. The name on my PayPal is XXXX XXXX XXXX XXXX, is the email and phone for this account. 
I can be reached at XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: M&T BANK CORPORATION
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I took out a vehicle loan from M & T Bank for a XXXX  XXXX XXXX in XXXX of XXXX  and finished paying the loan in XXXX of XXXX. I remember at a point seeing that I was marked late for the final payment I made in person, which I reached out to the bank about. I was advised that it was an error and no payments were late. On my XXXX, the account is marked as PAID/CLOSED/NEVER LATE but when I check XXXX & XXXX, I see that the same payment I complained about in XXXX is still present on my report and calculated as a negative mark. Its confusing because I dont see it on all Bureaus and I was advised that I had no late payment.

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 2023-11-28
Company: Nelnet, Inc.
State: CA
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:
On XX/XX/XXXX  I sent Nelnet Inc an endorsed registered security. It was signed by XXXX XXXX or XXXX on XX/XX/2023. This was addressed to the confirmed Chief Financial Officer XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Nebraska XXXX. On XX/XX/2023 I called nelnet to confirm the receipt of said security. I was told by the first representative that I needed to wait more time and to give it until XX/XX/XXXX for it to be scanned in the system and be processed. On XX/XX/XXXX I called again and spoke with a representative who said they would escalate my call to the XXXX XXXX  as they were unable to tell me what a registered security was, the XXXX agent XXXX she informed me that the processes were backed up, and that, yes, indeed it takes two days to process a security, and that it still had not been scanned in the system, and was waiting on that as well. Today on XX/XX/2023 I called again and after waiting on hold for 2 1/2 hours I was able to speak with someone in XXXX  named XXXX. XXXX informed me that they do not accept securities as a form of payment, and that I sent the payment to the wrong address, XXXX then sent me to a supervisor after my request and the supervisor I spoke to you was named XXXX. XXXX then said that securities are in unacceptable form of payment and one I asked if they in fact received my registered security number XXXX XXXX XXXX  was not received, and that they in fact had not received anything from me at all in XXXX. I then clarified that XXXX XXXX XXXX XXXX is the CFO of the company and also that the XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX was in fact the corporate address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: IL
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:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2019-05-17
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX XXXX RETURNED THE EQUIPMENT THAT WAS LEFT WHEN I STOP MY SERVICE WITH XXXX AND THEY ADDED ALL THESE LATE FEES AND EQUIPMENT CHARGES TO MY ACCOUNT AND I HAD TO TAKE THE EQUIPMENT AND SEND IT OFF THROUGH XXXX   AND I DO NOT SUPPOSE TO HAVE A BILL WITH THEM AT ALL I CHECKED MY CREDIT REPORT AND O HAVE THIS ON MY CREDIT REPORT THAT IS INCORRECT AND NEEDS TO BE DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Experian Information Solutions Inc.
State: NJ
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:
Fraudulent XXXX account on Experian

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 2023-11-28
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My insurance company is trustable. They use Wells Fargo bank. I made a claim and was paid {$1000.00}. I deposited the check into my account. My bank came back telling me they are holding the rest of the money which I was giving {$220.00}. My bank said due to a confidential matter the check may be not paid. This is just plain harassment from Wells Fargo. They don't have a right to hold my money hostage that I pay my insurance company trustage. 

Wells Fargo is playing dirty here and is allowed to get away with it. To not pay the check that my insurance company uses them as their bank is a new real low. Because of the other problem I had. They are refusing to let me have my own insurance money.

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 2020-03-10
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
PayPal payment system debited the incorrect bank account, not the preferred bank account, & caused me an overdraft fee. 
Paid with XXXX XXXX, INDIANA ( XXXX  ) Transaction ID XXXX Seller info XXXX XXXX. 
XXXX XXXX XXXX XXXX Invoice ID XXXX Purchase details Upgrade XXXX XXXX 12 Months - # XXXX {$8.00} XXXX XX/XX/2020 I have contacted them many times, through many avenues. 
I have racked up over {$100.00} in bank fees due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I have 14 HARD INQURIES ON MY CREDIT REPORT THATS STOPPING ME FROM PURCHASING A HOME. Iam A VICTIM OF FRAUD I NEVER AUTHORIZED THE CREDIT CARD COMPANY TO SELL MY PERSONAL INFORMATION WITHOUT MY CONSENT. I WOULD LIKE ALL OF THE HARD INQURIES TO BE REMOVED OF MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Experian Information Solutions 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:
I AM A VICTIM OF AN IDENTITY THEFT, THE THIEF OPENED A FRAUDULENT ACCOUNT AND THEY MAINTAINED THE ACCOUNT WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT AND ARE NOT MINE. I HAVE NO IDEA WHO THE THIEF IS, I UNDERSTAND THAT XXXX IS A BIG COMPANY BUT ITS NOT FAIR FOR ME TO BE A VICTIM AND HAVE A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. THIS IS DISCRIMINATION AGAINST A VICTIM OF AN IDENTITY THEFT, I AM TRYING TO EXPLAIN TO THE BUREAUS AND TO THE XXXX CARD THAT SOMEONE STOLE MY INFORMATION AND THEY FRAUDULENTLY OPENED THIS ACCOUNT.

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 2023-11-16
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
On XX/XX/2023, and XX/XX/2023, I sent letters to Equifax, XXXX, and XXXX disputing inaccurate items being reported on my consumer credit report ; however, they have failed to respond in a timely manner and were unable to provide me with a copy of verifiable proof regarding their investigation and the validity of the accounts being disputed.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax, XXXX, and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that are posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 6XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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