BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-26
Company: JPMORGAN CHASE & CO.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was sent two fraudulent checks. The sender then requested money be sent via XXXX and scammed me out of {$1200.00} XXXX {$700.00} ) ( {$500.00} XXXX The sender has not responded to any communication and I am concerned they have access to my information. I have reached out to the seller via text and by phone, to no avail. 
I contacted JP Morgan Chase, I have had an account with them for over 15 years. At this point it feels like there has been no support or protection. I have never had an issue and I would think my bank would take into consideration and help me during a time someone took advantage of me. There has been no protection or indication of a follow up with me. I would like to get this case resolved as I am now at a disadvantage, even more so as we are in a pandemic. COVID-19 has had a severe impact on my finances and I have done my best to save when and where I can. Due to the nature of this, and severity of the situation, of which I am sure I am not the first victim, I am asking that we can file a XXXX Chargeback Claim or file a complaint with JP Morgan Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom It May Concern, I am writing to dispute the following information on my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. The same Inquiry does not show on my XXXX Credit Report. As such, it is a very serious error in reporting. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681 ), there should be no charge for this report. 
Your immediate attention to this matter is appreciated. 
Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is regarding account # XXXX with Prestige Financial Services, which you claim my account was Charged Off with a balance of {$8300.00}. It is reporting incorrectly on all 3 Credit Bureaus ( XXXX XXXX and XXXX  ) This account should not be on my credit report at all. I am a Deputy Sheriff and this is affecting my ability to get a mortgage amongst other things. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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:
XXXX XXXX XXXX XXXX XX/XX/1994 XXXX XXXX XXXX XXXX, CA XXXX XXXX These account have been opened fraudulently without my legal consent or permission. The credit bureaus will not remove. I have filed police reports as well. 
Please have them remove these inaccuracies immediately. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness, and I will seek damages if they are not removed and you are unable to provide the necessary documentation. 
It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide METRO 2 COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of YOUR STATE. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law. 

ACCOUNTS : XXXX Amount {$1400.00} Open XXXX XXXX XXXX XXXXXXXX Amount XXXX {$900.00} XXXXXXXX XXXX XXXX {$990.00} XXXX XXXX  XXXX Amount {$420.00} XXXX XXXX XXXX XXXX Amount {$670.00} XXXX XXXX XXXX Amount {$190.00} XXXX XXXX Amount {$210.00} XXXX XXXX XXXX XXXX Amount {$1000.00} XXXX XXXX XXXX XXXX Amount {$1700.00} XXXX XXXX XXXX Amount {$560.00} XXXX XXXX XXXX Amount {$470.00}

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 2021-05-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In three transactions over the past 4 weeks in paying from my intended USAA checking account to my USAA credit card, the balance was unintentionally payed from an external, closed account at another institution. The USAA mobile app allowed for both accounts to be named the same name, thereby making it unclear which account the credit card was being payed from and the wrong ( closed ) one was unintentionally selected. I determined, with USAA 's assistance, that I had unintentional and misleadingly payed from the wrong account ( which is closed and unavailable ). I asked for these payments to be canceled or reversed and for me to be allowed to immediately pay from the proper account. I was told this is not possible and that I would have to wait until the payments fail at some unknown, future date. I asked if I could pay proactively anyway, but was told this is not possible with the current system interfaces. Instead it became clear that instead I will receive multiples fees and potentially interest payments for these failed transactions whenever they occur. I have attempted to proactively pay and correct a situation that I was misguided into by the USAA app through improper design, but have not been allowed to do so. I spoke through online chat with an individual named XXXX XXXX at approximately XXXX central time on XX/XX/2021 regarding this issue without resolution. I was promptly hung up on without resolution when I raised my concerns regarding unfair practices associated with being charged fees when I am trying to proactively pay my account but can not due the bank 's system limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: NJ
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 Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
According to my consumer report I received dated XX/XX/XXXXXXXX  and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you XXXX XXXX, or XXXX XXXX such authority. Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX and XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX XXXX, XXXX listed late payments 2. XXXX  XXXX, XX/XX/XXXX listed 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 non-monetary relief
Consumer complaint received 2022-10-24
Company: PENTAGON FEDERAL CREDIT UNION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hi ive traded my XXXX XXXX XXXX  in XX/XX/XXXX to a dealership for an upgraded bigger vehicle because i was expecting in XXXX. by XX/XX/XXXX i called penfed credit union to ask for a payment date change because i was going on XXXX leave & because I would be out of work my income /dates would be as they were so i asked i was deniedXXXX i called back to ask for my due date changed again & why i was denied again so i tried to continue making monthly payments on the XXXX of each month..this became overwhelming..i then called to ask can i refinance the car because my income has changed i was denied..so as im trying to keep up on my payments i was noticing that penfed took XXXX XXXX XXXX card numbers off the account for direct deposit so wen the money is authorized to be withdrawn its never getting withdrawn it jus sits until i call which is days maybe weeks later then im getting penalized for this with extra fees..so on XX/XX/XXXX i called them again ( which is every month ) i spoke w a young man who changed my date for me to the 2of every month starting XXXX XXXX its now XXXX XX/XX/XXXX & i have the money in my account still & i call penfed to ask why r my deposits never getting took off the card for my loanthe representative says she dont see a payment date change in the system, i didnt pay for XXXX i proceed to tell her wen the moneys there take it i have life insurance cable phone rent etc coming off days apart so u guys have to accept wen its there..because others are going to take theres off & i shouldnt be held accountable for theyre lateness i asked to speak to a supervisor she then puts me on hold literally for XXXX XXXX jus to tell me her supervisor is not available to speak with me then she says i never had insurance since I bought the car i told her maam i cant drive off the lot without insurance i had XXXX XXXX i also let her kno that it laspe & was due to me being outta work & i will get back on asap..i paid XXXX of my income tax on this car & im making my payments regularly here it is XXXX they still havent took theyre money they keep saying XXXX XXXX havent released the money then it was i had a bad card sometimes i get hung up on & im scared they will repo my car she said i was only one month back & i told her due to u guys not taking the money off other creditors have taken theres thats why im alil behind..please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Chime Financial Inc
State: IA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was just released from prison on XXXX from the Iowa Department of Corrections. I was incarcerated from XX/XX/2020 until then. During that time my economic stimulus payments were deposited into a account I held with Chime Financial , Inc. During my incarceration I sent written correspondence to XXXX XXXX XXXX, XXXX XXXX XXXX CA requesting access to my funds but never got a response. I then was also provided a address of PO Since being released I have come to find out all my account info has been changed and they say that they closed my account. I then was provided a address of XXXX XXXX XXXX, XXXX XXXX, CA which when I wrote the correspondence came back return to sender - unable to forward. After being released I have been getting nothing but a run around from them and they refuse to give me access to my funds. They keep saying to email XXXX, which they just keep saying send pictures holding IDs which I've done several times and even sent them my proof of being incarcerated. I have requested them to call me and they refuse to do so. I need my funds back as I had deaths in the family and we have no money after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: WELLS FARGO & COMPANY
State: DC
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:
My best friend of 30 years left me a payable-upon-death account. XXXX XXXX  on XX/XX/2022. Wells Fargo placed over XXXX in my checking account in XX/XX/2022. This money represented the amount payable to me in the payable-upon-death account. Six months later, in XX/XX/2022, they took the money from my savings account without any notice to me. 

I had relied on that money for six months. During that time, I spent some of the money on a new home in reliance on that money. 

Wells Fargo 's position is that this money was taken away from me pursuant to a request from the Department of Treasury, and that I " should call the Department of Treasury ''. 
It is fundamentally unfair for Wells Fargo to let me rely on this money for six months and then take it out of my account without notice. They will not do anything to take responsibility for their mistake.

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 monetary relief
Consumer complaint received 2020-06-05
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I currently have a second mortgage with Specialized Loan Servicing. Due to the virus pandemic I am unable to work. I have attempted to reach out to this company to get assistance with reducing this payment. However, this company has refused. I am requested help with this case.

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 2023-09-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Under XXXX XXXX of XXXX XXXX. I need to have accurate information on each and every line same on XXXX credit report agencies. 

To make your job easier. I have attached everything that is incorrect. This all information to deleted in 15 days. on 31 day, I will XXXX all credit report agencies. Delete and send me copy of report to house address.

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: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am trying to set up with my Investment Banking to have my spare change when I use my debit card but to my investment account but my bank has blocked anyone and everyone from using this Investment Company it is not their decision it is my decision rather I want to invest with them or not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Five months ago when i made my last complaint i hoped this issue would be resolved finally but it hasn't. My family and i have been going through this nightmare for about 3 years with this company and it is clear that they are only interested in a outcome that benefits them and only them. There is no way the practices can be legal and something must be done about it. They seem only interested in stealing our money and coming up with excuses why they are not going to honor these agreement. First they demanded the same documents repeatedly for almost a year to even start the re-modification process. Then once they were forced they put an agreement on the table and refused to honor it by delaying for months then saying we hadn't made the requisite payment. Then it happened a second time now its happening again. They have collected thousands with the false promise that it would be resolved after but they absolutely refuse to do what is right. When will this borderline criminal behavior be reigned in. Two years in with covid 19 running wild i could it and ended up in the hospital. I didn't know if i was going to make it so i deeded my house to my son to help my son and my family avoid a long costly probate fight. My son agreed to help honor what i thought was my dying wish, I somehow survived. Now they expect me go back to my son and reverse this with absolutely no guarantee this nightmare will end. My son has seen them make agreement after agreement that they did not honor, how is he supposed to believe this company now? XXXX is tied to Carrington and need to force them to honor this agreement.

Company response to consumer: Closed with explanation