BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
Company: JPMORGAN CHASE & CO.
State: MI
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:
Debit card fraud. Reported to Chase bank that transactions amounting to approximately {$2000.00} using my debit card number at an atm machine in XXXX emptied my checking and savings account. I live in Michigan. 

Chase conceded that it was fraud and they reversed the transactions. However, the transactions were still charged on my accounts. Chase told me that the local merchant in XXXX  refused to reimburse the money, so Chase is passing the fraud onto me. 

They said that it is possible that I gave my debit card number to these people in XXXX  XXXX XXXX. That I could try and come up with proof that I didnt do so. 

Im a retired guy on Social Security and {$2000.00} isnt something I can just whisk away without putting up some sort of a fight. Any kind of direction, help, or advice would be helpful. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-26
Company: Moneytree Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Called moneytree to update my banking information because my account that is on file has been closed due to fraud! XXXX was very unhelpful on top of violating my civil rights and the American with Disability Act. She failed to reasonably accommodate me under federal law, she was insistent and adamant about me going to my bank to get a letter than states the account I want to make my payment with is mine!? I don't know anyone in this country who would pay for someone else 's payday loan!! Now I understand why my state wants to do away with payday loans because these companies are very unhelpful greedy entitles!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: W&A Intermediate Co., LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MY CAR WAS STOLEN IN 2021, INSIDE WAS MY WALLET AN OTHER PERSONAL ITEMS... BUT MY ID IS BEING USED ALL OVER, ACCUMULATING MEDICAL BILLS A CREDIT CARDS... I TRIED TO EXPLAIN THIS TO THEM, BUT THEY WOULDN'T REMOVE ME FROM THEIR ACCOUNTS... I DON'T HAVE MONEY TO PAY OTHER PEOPLE 'S DEBT ... THE CREDITOR IS WAKEFIELD AN ASSOCIATE THEY XXXX SEPARATE DEBTS THEY ARE TRYING TO COLLECT.. I NEED A IDENTITY THEFT FORM TO SEND TO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: MOHELA
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My XX/XX/XXXX, request to have my XXXX of XXXX and XXXX of XXXX income recertifications for the XXXX repayment plan to be disregarded has yet to be addressed by my student loan servicer MOHELA. MOHELAs response to my previous complaint with the Better Business Bureau did not address my concerns. 

I most recently submitted my annual recertification to my former loan servicer, XXXX, on XX/XX/XXXX. My current loan servicer is MOHELA. I recently discovered that I was not required to recertify my income until XXXX months after the payment pause ends, as per https : XXXX. My recertifications will result in me having to make higher payments than what would be required had I not recertified. My payments were {$270.00} when the pandemic began in XXXX of XXXX. I was led to believe that I was required to recertify my income by a letter dated XX/XX/XXXX, from XXXX. 

My XXXX of XXXX recertification resulted in an increase of monthly payments to {$270.00}, as per a XX/XX/XXXX, letter from XXXX. It is my understanding that I was not legally required to recertify my income under the XX/XX/XXXX, XXXX XXXX at the time the XX/XX/XXXX, letter was issued by XXXX. The XX/XX/XXXX, letter states in part that I am required to recertify my income annually regardless of whether I am in a deferment or forbearance notwithstanding the XX/XX/XXXX, CARES Act. 

I also received notifications through the " XXXX '' icon at the relevant times when I was logged into my dashboard on XXXX indicating that I was still required to submit my annual recertification for the XXXX plan. A letter from XXXX dated XX/XX/XXXX, indicates that my monthly payments will now be {$310.00} under the XXXX repayment plan. This letter was generated after I submitted my recertification on XX/XX/XXXX, based on the misleading language used in the XX/XX/XXXX, letter from XXXX and the bell icon notifications on studentaid.gov. 

I would have never recertified my income had I known that I was not required to do so. I have detrimentally relied on the misleading information I was provided. By recertifying my income, I have lost at least six months of payments at the {$270.00} pre-pandemic amount. That clearly calculates to {$42.00} per month, or a total loss of at least {$250.00}. XXXX XXXX informed me that it is unable to assist me inasmuch as it is no longer my loan servicer. Although MOHELA responded to the complaint I filed with the Better Business Bureau, that response ignored my request. Moreover, MOHELA has yet to respond to the XX/XX/XXXX, complaint I filed with XXXX XXXX XXXX concerning this issue. It should also be noted that I have previously sent MOHELA several emails concerning this issue. I have also reached out to MOHELA via social media to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My father, XXXX XXXX died on XX/XX/2023. He has a deposit account at JP Morgan Chase, and his Social Security benefits were deposited into his account at JP Morgan Chase. I am the beneficiary on his deposit accounts at JP Morgan Chase. Upon his death, and his Social Security direct deposit in XXXX for his XX/XX/2023 benefits, I went to the local JP Morgan Chase branch, with a copy of his death certificate to withdraw the remaining funds and close the account. I was informed that it is the policy of Chase to HOLD THE FUNDS for ( 6 ) Months. Then I was informed that I needed to get a form from Social Security proving the funds deposited were his. However, Social Security does not deposit unless you are an owner of the account. Social security stated that there is no such form. I informed the manager of this, and she stated that it actually is a form from JP Morgan provides, but REFUSED to provide it for me. There is NO reason that these funds should be held. I am the beneficiary, I provided his death certificate, and these funds should be released to me at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I want to fill a report of XXXX XXXX account number # XXXX and XXXX XXXX XXXX account number # XXXX and XXXX account number # XXXX In the accordance with the fair credit reporting act XXXX  these accounts above have violated my rights 15 U S.C. 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 section ( A ) ( 5 ) section 2 clearly says no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information other than records of the following items of information other than records

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: W&A Intermediate Co., LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I submitted a debt validation letter to the WAKEFIELD AND ASSOCIATES collection agency in XX/XX/2023. The purpose of the letter was to request verification of the information regarding a medical debt. 
Unfortunately, despite the considerable time that has passed since my initial request, I have not received any response from this agency. To ensure transparency and provide evidence of my previous communication, I have attached both a copy of the original debt validation letter and the receipt of the certified letter that was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: W&A Intermediate Co., LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Wakefield Associates has sent multiple letters saying we owe a debt to XXXX XXXX. We have never heard of either company. When i requested more information about the original creditor, all that was returned was a po box number, no information on what or who was owed. I do not want this to harm my otherwise excellent credit and am trying to verify if it is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Chime Financial Inc
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I no it was in XXXX when this happened but I don't remember the dates and the amounts are a $ XXXX XXXX XXXX and $ XXXX XXXX app some one made those 2 purchases off my card that I didn't make and I let my card company no and nothing was done about my dispute that I made with them and I had got the run about it and they said it went back on my card which it never did and they stole my money and my 2 refunds that was supposed to go back on my card and never did and just a rebate dispute about it and getting the run about that and nothing has got done about that either and just call today not to long about it and still give me the run around. I have chime credit card and you can call them to get the dates and the information you need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
The inquires listed below on my XXXX credit report are unauthorized and unverified. I did not give these creditors my permission to access my report, therefore I would like these unverified and unauthorized inquires removed from my report as soon as possible. 

XXXX XXXX CAPITAL ONE XXXX XXXX CAPITAL ONE XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CAPITAL ONE AUTO XXXX  XXXX XXXXXXXX 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
Consumer complaint received 2023-03-21
Company: Dovenmuehle Mortgage, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I had a mortgage with XXXX XXXX 's bank which they transferred to Dovenmuehle servicing starting on XX/XX/XXXX. I subsequently sold the property and paid the account in full on XX/XX/XXXX. 

Two days after that closing, Dovenmuehle incorrectly pulled the standard payment of {$1900.00} from my account. They have yet to return that money or the remaining funding in escrow of {$3500.00}. Today is XX/XX/XXXX, nearing three months since the payoff of the mortgage. The total funds they owe me since closing are in excess of {$5500.00}. 

I have called and spoken to Dovenmuehle 's representatives, with escalations to their management, in XXXX, XXXX, XXXX, and XXXX of this year. XXXX XXXX refuses to engage. In each call with Dovenmuehle I am promised cashier 's checks by mail or alternatively now wire transfers. However, I never have received the money nor an explanation as to what is wrong. Each time I call I start from the beginning, and they refuse to give a direct number/extension/ contact name with whom I can drive the topic to closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: CA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX : {$3600.00} XXXX XXXX  XXXX Balance : {$1300.00} 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
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: CT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted personal request about ongoing issues of multiple inaccuracies on my credit report. I have asked for proof of validation of debt with my original documentation. I have provided direct discrepancies from reportings of late payments. I have asked for a collection item to be removed off my credit. Experian has deflected by sending me this email, even though my request was signed by me personally with my identification. 

My request is as follows Correction to my name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, CT XXXX No Employment history I requested to have multiple late payments removed off my credit report from the department of education that went from on time payment and then to 90 days late on six accounts. 

I asked to dispute late payment reporting on XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. 

I asked for proof of verification and also requested validation of debt. 


This is not my first request this is my last and final request before I bring forth action.

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: 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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was 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 information relating to any transaction by the consumer. 
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 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 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
Consumer complaint received 2019-06-10
Company: APEX Asset Management, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm trying to repair my credit and came across this dept that is owed which is unbeknown to me. {$660.00} is says I owe but for what? Please send me a copy of original bill, validation of purchase of debt, copy that provides proof to collect in my state and my signature as per the fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TD BANK US HOLDING COMPANY
State: NY
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:
In accordance with the fair credit reporting act these creditors has violated my rights. Under 15 USC 1681 Sections 602 states I have the right to privacy. 15USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 166B a creditor may not treat a payment on a credit card account under an open and consumer plan late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The Chase dispute department has not responded to my complaint regarding an XXXX XXXX  {$170.00} purchased in early XX/XX/2022 that was supposed to be foldable and instead caught my fingers in its mechanism. I requested a smart label from XXXX to return it. The vendor wants ME to return defective or dangerous merchandise at my cost. I believe Its their responsibility. No response. Meanwhile independent of this I hurt my leg so I cant pick up at all XXXX box which contains rack which is sitting in its box in the side of the house. Chase was supposed to issue credit per their letter to me and they did not. XXXX gaslighted me. I have called chase 5 times i hace contacted XXXX a dozen times on this issue. I am being gaslighted everywhere on this issue with a leg problem that makes things even harder for me and have seen the medical specialist, so I have proof that this is getting completely abusive and out of hand. Please tell Chase that XXXX must pick Up their defective merchandise. Its been almost two months. No credit has been issued. The chase credit card number has been changed due to an unrelated online scam. Plenty of those, arent there?! Chase has to be called each time. Wait on line and put up with nasty offshore personnel. Seriously? Attached is the note I get when I try to desk with this issue on the chase website

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-24
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, i have been trying to communicate with these 2 collection companies for over a year now. They refuse to send me any paperwork from the origional creditors and keep changing the items from the pictures below. I've spent some time reading your regulations and they are breaking them all. The accounts are 6 years old, so over the state statute of limitations and they are not listed correctly with so many of these lines listed on my report.. These accounts must be deleted per your rules and regulations. They call and threaten me all the time, i tell them to stop calling and they call from other numbers. Can you please force them to remove these from my report for breaking your rules?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: MD
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account Name : DEPARTMENT OF LABOR FC Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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 following items 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 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