BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I purchased a vehicle in XXXX and financed it with XXXX XXXX XXXX. Due to high interest I decided to immediately refinance through XXXX XXXX XXXX XXXX. I received the refinance check from XXXX XXXX XXXX XXXX and due to a lack of knowledge on refinancing, I endorsed the check and deposited it into my personal checking account with Chase Bank thinking I would then pay off the XXXX  XXXX auto loan. I deposited the check in the amount of {$21000.00} on XX/XX/2022. 

The following week my checking account with Chase bank was frozen and I could not access the loan amount nor my personal funds. After speaking with Chase bank I was told the check was not properly endorsed, the account was marked as fraudulent and the check would be declined in 2 weeks and XXXX XXXX could issue another check that I could properly endorse. After 2 weeks of not having access to my personal money the check processed into the account and did not decline as they said it would. My account remained frozen and I could not pay bills, buy groceries, etc.I went to a branch 45 minutes away and they were able to manually withdraw my personal money but the $ XXXX could not be touched. 

I have spent countless hours on the phone with all three banks. XXXX XXXX has washed their hands of the mess and will not verbally endorse the check nor will they accept a form to endorse the check. I have been told by XXXX XXXX I need to resolve the issue with Chase Bank and XXXX XXXX. 

XXXX XXXX has submitted a claim with Chase Bank and has called multiple times requesting they send their money back to them so they can reissue this check but Chase Bank refuses and declines their requests. 

I spoke with a supervisor with Chase Bank for 2 hours today exploring every option and they said the only thing they would accept is verbal consent or written consent from XXXX XXXX which XXXX one will not give. Chase Bank tells me they will sit on the money and not send it back to XXXX XXXX nor will they send it directly to XXXX XXXX and they will not unfreeze the account for me to access the funds. 

All that being said, this has been going on for two months and I am currently paying two car payments a month that I can not afford. Not to mention the amount of debt in my name for the vehicle double loans totals more than I make in a year. My credit score has dropped substantially the last couple months, I've taken a lot of time off work trying to resolve this, the emotional stress has me exhausted, and I am in quite a bind financially trying to pay over {$700.00} a month to two different banks for the same vehicle. I can not go on much longer like this and desperately need a resolution but there is nothing I can do at this point as no one at any of the banks can help resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: IN
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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: In progress
Consumer complaint received 2021-06-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX I reached out to Wells Fargo to use a travel credit. I experienced a very long hold time and once I spoke to someone was told that I had to speak to a specialist to use my credit. I was told I would be contacted in 24 hours which didn't happen. I called back several times only to experience longer hold times. On XX/XX/XXXX I was contacted and the agent told me he could process my request to use my credit and because the credit didn't cover the cost of the plan ticket he took my credit card number to pay for the difference. When I showed up at the airport on XX/XX/XXXX there was no record of the ticket so I had to purchase another ticket at the airport. 

I quickly called Wells Fargo and was put on hold and when I finally spoke to someone I was told I would be contacted in 24 hours which once again didn't happen. It took several days for them to call me back and I was given a supervisor to speak with. That person has been very unresponsive, does not return calls when I am told she will and when I call back I am put on hold for almost an hour. 

This matter has been going on for over two weeks at this point and I am very frustrated. Not only are they not meeting SLAs, the customer service is terrible and at this point I am ready to cancel my card. I have not been given updates on this matter and am still unsure of what happened on XX/XX/XXXX. It has been very frustrating and I work in Operations for another bank. I know how things are suppose to work and the Wells Fargo escalation process isn't working at all. I deserve compensation for all the run around I have experienced as well as for the loss of time. I was also charged a {$25.00} fee from Wells Fargo.

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 2022-02-10
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX I took a loan from NET CREDIT. They directly deposited {$3800.00} into my bank. To date XXXX I've made 53 payments totaling {$5200.00}. The amount owed as of XXXX was {$3600.00}. The maturity date of the loan is XXXX where the total amount will be {$8900.00}. With a 235 % interest rate. That was not disclosed to me. This was the second loan I used NET CREDIT for. I paid off the first loan early so I didn't see any outrageous interest. I read an article that named them as the worst lender in VIRGINIA for over charging in hidden interest. They apparently don't disclose the total amount at maturity with the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2021-06-22
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An auto debt ( repossession ) was recently deleted in XX/XX/2021 from the credit bureaus with XXXX  and XXXX. It is still showing on Experian which is adversely affecting my 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 explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS :

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 2023-04-14
Company: CITIBANK, N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a check account XX/XX/2023 funded the account through XXXX XXXX time i swipe card fraud alert came which blocked the card..so everyday i was calling after swiping card also verifying it was me so on Tuesday XX/XX/XXXX around XXXX i wired my sister who is out of town XXXX never received it nor did it come back to my account..so they closed my account Thursday XX/XX/XXXX because of wire which I stated I made the transfer ..they told me my account was under review for XXXX and whatever belongs to me will be sent via check to address on XXXX XXXX see my wire transfer in my account only my remaining balance in account for {$3000.00} so where did my other XXXX go? they wouldnt give me no information at all ..why do i have to wait that long go get my money..my total in my account should be XXXX have bills i cant wait that long also everything in my account belongs to 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 2021-06-22
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: Information belongs to someone else

Complaint:
XXXX, Equifax and XXXX  are reporting XXXX derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent XXXX dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Nelnet, Inc.
State: MD
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:
1. Correspondence was sent on XX/XX/2021 by consumer and NELNET had 7 days to respond in which there where no response. 
2.NELNET received proper endorsement on statement UCC 3-204 and XXXX has not credit the account nor updated credit report, to bring the balance to XXXX  See Attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hello, on XX/XX/XXXX, I opened a bank account with XXXXXXXX XXXX. They had a XXXX Zelle Registration policy, so by XX/XX/XXXX, I registered with Zelle and used Zelle to transfer between parents and lawn man. It is usually used when parents need money the majority of the time as it is quicker and doesnt have to be home to go and withdraw as I travel for work constantly. So, being able to send them when out at work is convenient. I have been using XXXX XXXX without any issues with this service but when XXXX XXXX had a cashback card, and better savings went with them. But on Late XX/XX/XXXX, Dad tried to send me money and had issues receiving the money. Ive tried contacting both Zelle and XXXX XXXX and unlinking Zelle from XXXX XXXX and still the same issue. The issue is that XXXXXXXX XXXX has flagged other accounts on those that have opened up Zelle after XX/XX/XXXX, because of a new user agreement, even though the one that was agreed upon was different and attached. I havent done anything different than on my XXXX XXXX account. The freeze on my phone and email have yet to be released even though I am confirmed that it is removed from XXXX XXXX  and be able to be added to my previous bank account. XXXX XXXX  says that should not be any issue that I have caused and all within the agreement, and Zelle wont say much about why. I tried asking XXXX XXXX, and they say they dont see what and that it is blocked. I am currently talking to XXXX XXXX  to cancel the account and have been trying to get Zelle back to XXXX XXXX as they dont seem to cause issues when using the account, but because of XXXX XXXX has not provided the reason why I can search and see but I don't see why when nothing has changed except bank accounts. Not sure if having dad and me having the same name is causing issues as well but should not as we go by a bit differently to avoid situations. I have attached screenshots of the chat from XXXXXXXX XXXX After researching found that Zelle is Early Warning Services , LLC, so hope they do provide the necessary response and solution to this issue and stay within the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
SUBMITTING HEREWITH ADDITIONAL IRREFUTABLE EVIDENCES OF FINANCIAL CRIME COMMITTED BY NATIONSTAR MORTGAGE LLC. 
PLEASE SEE ATTACHED. 
THANK YOU FOR YOUR INVESTIGATION AND SUBSEQUENT ENFORCEMENT OF APPLICABLE FEDERAL LAWS TO STOP THE PERPETRATION OF THIS COMPANY 'S WHITE COLLAR CRIME. THEIR " INTENTIONAL AND WILFULL MISCONDUCT '' FOR THEIR UNDUE ENRICHMENT IS A THREAT TO PEOPLE 'S LIVES AND A THREAT TO THE U.S. ECONOMY - AND WARRANT URGENT SCRUTINY. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
These inquires do not belong to me and are fraud. I have included the identity theft report. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
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:
I have been contacting Transunion over the last 6 months about unauthorized inquiries on my report and unverified accounts/collections. My last date of contact was XXXX XXXX and the previous week as well. I have talked with numerous representatives that tell me different steps to take. They stated that have sent letters to those companies and they have not gotten a response back. They also deny receiving certain letters I have sent to them. I recently started sending my letters to them certified to ensure my delivery. The latest USPS tracking # s are XXXX & XXXX. Majority of the time when I call to follow up staff is very rude and tell me they havent received my letters. At this point I do not know what else to do if the companies and bureaus are not responding or sending me verification of the items they are reporting.

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 2020-03-31
Company: EQUIFAX, INC.
State: HI
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 call Equifax on the phone to dispute it. Told them I talk to the company and its fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: WELLS FARGO & COMPANY
State: TX
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:
I was a victim of XXXX fraud on XX/XX/XXXX for {$2000.00}. i did not authorize or personally send this money. when i filed a fraud claim with wells fargo i was denied due to " the transaction being made by you or someone who had your permission to perform transactions on your account '' which is not the case. When i originally made the claim i was credited {$2000.00} and then received another letter on XX/XX/XXXX stating they were going to reverse this credit again taking half my savings. 
I have already appealed the closed claim.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 15 USC 1681.

The letters are stated with items and issues.

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
Consumer complaint received 2022-12-29
Company: Kenneth, Eisen & Associates, Ltd.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a Federally Protected Consumer. I know I have rights and I'm PROTECTED UNDER THE FAIR DEBT COLLECTION PRATICES ACT AND THE FEDERAL TRADE COMMISION. I have the right to not have false credit information reporting on my credit report. I have rejected the offers to contract with XXXX XXXX and I never gave my consent to have nonaffiliated third party collections XXXX XXXX to be in possession of my non public personal information. WE HAVE NO TRILATERAL CONTRACT I HAVE NO LEGAL OBLIGATION TO PAY YOU. This is a notice to cease and desist communication and by reporting false credit information on my credit report is considered communication. I am not requesting validation of these alleged debts. XXXX XXXX by you obtaining MY non public personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028A. XXXX XXXX ACCTS # XXXX. These false credit information collection accounts were deleted off my credit report before and just came back on my credit report XX/XX/2022 as I was in the middle of extending credit trying to obtain a new credit card and was I denied due to these ALLEDGED collections on my credit report. The FTC calls these practices DEBT PARKING and takes this very, very seriously. Therefore I have strong reason to believe that XXXX XXXX is conspiring to collect on extension through unlawful extortionate means. By putting these alleged medical collection debts on my credit report XXXX XXXX is damaging my credit worthiness, and ruining my name. and stopping me from MY RIGHT to extend credit and operate in commerce.. DELETE THESE ALLEDGED MEDICAL COLLECTION ACCOUNTS OR ILL BE FORCED TO TAKE STEPS TO ENSURE MY FEDERAL RIGHTS ARE BEING PROTECTED AND ENFORCED UNDER THE PROTECTION OF THE FDCPA and FTC. The collection of this extension of credit would be a Violation of False Claims Act. Remove these alleged medical accounts from my credit reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation