BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I authorized an online check payment on XX/XX/2022 to a business. The check was issued and mailed and someone forged the signature and cashed the check at another banking institution. I've completed all forms related to filing the claim multiple times. The Payee refuses to sign the affidavit but has indicated that they never received, signed nor cashed the check. 
My last conversation was with my bank Check who refuses to open the investigation because the payee will not sign their affidavit. Which I have zero control over. 
I am out {$1700.00} and Chase Bank refuses to assist because I can not get a signature from the intended payee on their affidavit. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Bank : JP Morgan Chase XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
Deletion letter ATTN : Notice to Principal is Notice to Agent, Notice to Agent is Notice Principal I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : .List Name of the accounts with late payments along with their account numbers. ). 
.Account numberXXXX Open/closedOpen Date openedXXXX XXXX XXXXXXXX .Account numberXXXX Open/closedClosed Date openedXXXX XXXX XXXXXXXX .Account numberXXXX Open/closedClosed Date openedXXXX XXXX XXXXXXXX .Account numberXXXX Open/closedClosed Date openedXXXX XXXX XXXXXXXX .Account numberXXXX Open/closedClosed Date openedXXXX XXXX XXXXXXXX. 

. 
Your company is in clear violation of the law. Under 15 USC $ 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC {$1600.00} ( 2 ) ( a ) ( j ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 16815-3 of this title, any.

( ; ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
This account World Omni Financial has submitted my account to collection wrongly. 
There was a case and we were working on settling the balance with XXXX XXXX  XXXX XXXX. XXXX stated they would wait while the balance of XXXX was being collected from the dealer of the new auto. It now says charged off and in fact has affected my credit score severely and as you can see this was paid on XX/XX/XXXX. We had been in many conversations and they had agreed to wait while I was speaking with XXXX. 
I was absolutely NOT negligent and need this to be corrected for my credit evaluation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
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:
Hi I am submitting this XXXX XXXX XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 MANY TIMES!!! 

XXXXXXXX XXXX-ACCOUNT # XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

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 2021-08-19
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened an account at Conns in XXXX. I fell behind on payments due to medical issues. In XXXX I agreed to a settlement option with Conns. The details of the agreement included {$100.00} payments a month from XX/XX/XXXX-XX/XX/XXXX. The last payment was a balloon payment of {$960.00}. The payments were automatically withdrawn from my account on time each month. After the last payment I contacted Conns in XXXX to confirm payment was received and to receive a letter/receipt of confirmation. I was hung up on by the Customer Service Agent. I recently discovered Conns did not close the account and put it on my credit report. Conns is now trying to collect almost {$3000.00}. I can never get anyone on the phone thats helpful or respond to emails. I started sending dispute letters to Corporate in XXXX or XXXX. Now Im getting phone calls. After speaking with Reps from Conns I contacted my back for proof of payment. My bank confirmed that Conns returned the {$960.00} payment on XX/XX/XXXX. Conns rep told me the payment was returned on XX/XX/XXXX for insufficient funds, which is not true. I have sent a letter to Conns confirming per my bank that Conns returned the payment. I also recorded the conversation with my bank and sent that in an email to Conns. I have asked Conns to remove the derogatory line from my credit as this is an issue thats not resolved. No response!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
I XXXX XXXX, filed an dispute a month ago on the Inquiries : Item # XXXX XXXX XXXXXXXX XXXX Item # XXXX XXXX XXXX XXXX XXXX there has been no changes made and by law after 30 days, the reason for deletions must be made, and according to my repairs my credit has inaccurate information on my credit report these inquiries has to go as I have FCRA right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony/JCP lowered my available credit without any knowledge to me or consent by me. I have been a cardholder over 8 years. I have never had a late payment. They did not call, email, or mail a letter pertaining. They have no idea what my scenario is as to why i have not used my card. Were they aware that the store in my town closed and that prior to closing it was a disaster to go to making it not worth my whole. Were they aware that i am an essential worker working all thru covid with little free time to be able to shop in another town or even online? Basically, they do not care about me as a consumer, and because of that, they have annihilated my credit score by 46 points ; this is detrimental to my credit, and i am in the process of refinancing my home. Because of this and my what-was beautiful credit score of  well over XXXX, i can not do so now.

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 2023-07-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
They are not following the laws of consumer report 15 USC 1681b ( a ) ( 2 ) and ( c ) which states in the accordance with the written instructions of the consumer to whom it relates ( meaning they have to have permission from me to put that on my credit report and I didn't give nobody permission to put a student loan on my credit report so I revoke them for putting that student loan on my credit report ) I would like that move immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Good Day XX/XX/XXXX I repeatedly try to work out an agreement with XXXX to lower my monthly payments from {$340.00} to a minimum of {$150.00} due to my employment status has changed after my car was totaled. After my car was totaled by the insurance they paid XXXX XXXX XXXX nearly {$11000.00} which left a balance in XX/XX/XXXX. I made a payment in XX/XX/XXXX of {$200.00} a payment of {$150.00} in XX/XX/XXXX also {$150.00} in XX/XX/XXXX ; which does not constitute being more than 30 days late & causing my credit score to plunge. Also I spoke to gentlemen by the names of XXXX ( XXXX ) & XXXX ( XXXX ) back in XXXX & they stated that the last couple of reps never completed what I requested or never have the ability to fill my request of a lower monthly payment. Also my issue with WFDS is that 2 reps before XXXX & XXXX assured me this was something they could take care of ; if I knew from the beginning they couldnt process my request I wouldve had the chance to use another option. But I wasnt giving that opportunity so this is the reason Im disputing. Again this will be the 2nd letter I had to type ; XXXX XXXX XXXX WILL NOT NEGOTIATE LOWERING MY PAYMENT FROM THE INITIAL PRINCIPLE BALANCE PAYMENT OF {$340.00} TO A MINIMUM $ XXXX   MONTHLY WHICH I HAVE BEEN REQUESTING SINCE THE CAR WAS TOTALED OUT IN XX/XX/XXXX. The point is that the reps I spoke to XX/XX/XXXX/XX/XX/XXXX lied & stated that it can be reduced which never happened until I kept getting phone calls from the automated service to call in which caused my suspicion. My issue is how can you still charge the principle balance amount when the principle amount is not there. Also I requested 2x to have it reduced in which I was told by 2 reps it would be completed and it had me under false pretenses that it was completed. Also I never disregard paying XXXX Ive made payments what I could afford ; so they have no legal right reporting me to the Credit Bureaus without at least reducing my payment as requested previously.

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 2023-10-27
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14
Company: Payward Ventures Inc. dba Kraken
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/18- approximately 18,000 was stolen from my Kraken Exchange cryptocurrency account.

Emails were sent back and forth, Kraken does not have a phone number.

Kraken claimed my email was compromised, allowing a hacker to steel my cryptocurrency. Kraken provided no proof of this and law enforcement does not believe this was this case.

Detective XXXX XXXX XXXX XXXX XXXX XXXX   POLICE CYBER CRIME INVESTIGATION UNIT Office : XXXX Mobile : XXXX   XXXX  Kraken is a huge exchange and I am filing this complaint because in order to get authorized to buy and sell cryptocurrency, Kraken required a great deal of proof of identity, I had a password on my account and a XXXX. Kraken states that someone was able to change my password and once in, took the XXXX off the account. This should not have been allowed to happen! Kraken sends an email when someone tries to change the password. ( I never got this email which is why Kraken believes someone hacked my email account ) Regardless, with all the proof of identity that Kraken requires, why would Kraken allow a XXXX   code to be removed with a check mark? This code was needed to withdraw funds. Why was there not more security? That should be a red flag and further proof of identity should have been required.

My complaint is against the Kraken Exchange for not securing my funds with an in-depth proof of identity when a XXXX XXXX code is removed from a clients account.

This comment was included in the files given to law enforcement : " Update, client now appears to be part of mass compromise. Review ongoing. '' Kraken advised Detective XXXX to file a complaint through CFPB.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Debt collector called this morning on behalf of barclays bank delaware. 

( XXXX? didn't know how to spell her own name, first spelled it with an XXXX then a XXXX I had to ask her to spell it multiple times, she didn't even want to give the name. I think she changed the last name too. I'd want to check the recording. ) given spelling was " XXXX XXXX '', No debt collector license number, said she holds no license. called at XXXX to harass me in violation of cease and desist and the ongoing fraud case and bankruptcy. hung up on first call since I was very rude since she called me while I was writing a complaint about XXXX and was in no mood to be harassed, I called back. she denied things that she has no basis to deny. ( no one owes you money. no one broke into your home ; she would have no way of knowing, and yes they did. police report and contracts show they did ) lied about things etcetera. Very very inappropriate and irritating call. I asked to speak to a manager, waited for XXXX minutes, no manager available, will call back at XXXX pacific. ( XXXX now ) as the manager is in a " meeting '' but was told to call back at XXXX eastern. cease and desist.

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 2023-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
Bank of America is denying my claim without proof from merchant, which violates EFTA and regulation E governing disputed transactions. During the dispute process, the merchant needs to provide proof the transaction belongs to the card holder. The bank claims the charge is mine due to a time delay in disputing the charge, which is there new excuse for not abiding by regulations. 

I called the claims department and was told I had to provide proof the transaction was unauthorized. I dont have proof because I dont have an account with the merchant.

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 2020-07-27
Company: REGIONS FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was scammed..towards the end of the activity, when I realized what was happening..I shut down my computer, put a block on my account then called the bank and explained what had just happened and told them not to release the funds..They REFUSED! ... Said I would have to wait until after it posted ... then I ask Regions to put a block on my accounts to safeguard me and the bank from any more funds leaving the bank.. 
The next day informed the bank to unlock my accounts Now..Had scanned my pc for any lingering Malware. 
After numerous calls, emails, being on hold for hours..disconnected multiple times, They said they would in fact do that, but they have not done so and have been giving me the run around daily..this does not begin to show the terrible frustration from being bounced around from dept. to dept., person to person..Informed them I had many automatic .. payments that would be coming out of my account..Throughout this entire process they were given all needed id verification from me.They assured me there would not be a problem ... but..the auto payments were not paid and I began to get notices. 
They are going to ruin my credit by not solving my simple request ..their inefficient actions are unconscionable for a XXXX  dollar company and to treat their customers so poorly.. 
This issue could have been resolved in one ten minute phone conversation..but I have yet to get access to my accounts..The pandemic is no excuse for not being able to solve a simple request timely.. 
There are many more details ... too many contacts for me to list..too many emails..too many disrupted phone calls. One hardship to overcome was the bank 's policy not to give out direct phone numbers to the correct departments. 
It has been 11 days and I am still unable to access my accounts. 
Their phone answering system extremely user unfriendly, inefficient, very slow, disconnected often.. 
Sincerely Mr.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 2023-06-23
Company: JPMORGAN CHASE & CO.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I was told on XX/XX/23 my lawyer would be contacted in reaction to the attached check for {$50000.00} however he was not contacted and asked me to re-open the complain with the CFPB. 

I was told on XX/XX/23 by XXXX XXXX that Chase has the money in their Suspense account and would be returning the money to me after their legal team reviewed the necessary documents from XXXX XXXX. 

Unfortunately Chase has stopped responding to me and I need to have the matter reopened per my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: ERC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written to XXXX XXXX on several occasions, most recently XX/XX/XXXX, requesting validation of the debt. They not only stonewalled and not answer my request as required by law but failed to mark the account as in dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: EQUIFAX, 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 TRIED TO DISPUTE WITH CREDIT REPORTING AGNECIES FOR OVER SIX MONTHS NOW I GET NOTHING BUT BOGUS REPLIES EVEN THROUGH HERE STATING THAT THEY HAVENT GOTTEN ANY DISPUTES THATS AN ABSOLUTE LIE BECAUSE I GET MAIL STATING THE ACCOUNT WAS VERIED ACCURATE HOW IS THAT. I HAVE BEEN TREATED UNFAIR AND I WILL NOT TOLERATE THIS BEHAVIOR ANY LONGER SO THERE YOU GO BELOW ATTACHED MY BANK STATEMENTS THAT PROVE THAT I HAVE BEING LIED TO AND HAVE HAD MY RIGHTS VIOLATED MONTLY BY YALL. I HAVE NOT ONLY NOT BEING LATE BUT ALSO PAID AHEAD FOR MULTIPLE TIMES AND NOT GIVEN ANY CREDIT WHAT ELSE DO YOU NEED. AND PLEASE DONT JUST REPLY TO SUBMIT A DISPUTE I HAVE DONE THAT CLEARLY FOR MONTHS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: NY
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:
The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus on XX/XX/2022 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly 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