BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received a cashiers check from a seemingly legitimate buyer of my guitar which I had online for sale. The cashiers check was written for {$1600.00} over the asking price. The buyer ( apparently elderly, XXXX XXXX said his son accidentally wrote the check for the guitar and the moving fee ( apparently XXXX was moving ). 

I e-deposited the cashiers check ( {$3500.00} ) to my Chase checking account on XX/XX/2023. 

I did XXXX the excess money ( {$1600.00} ) to the mover. 

Shortly after that, I came to my senses and suspected this may be a scam. 

I contacted XXXX and Chase immediately. I actually contacted Chase at least 3x on XX/XX/XXXX and XX/XX/XXXX. I explained my concern. The first rep told me that as soon as the XXXX transaction shows up on my Chase account, I can call them to have them reverse it, before XXXX the next day. The next day, in the XXXX, I saw that the XXXX transaction appeared as pending in my Chase account. The cashiers check cleared at that point.

I called Chase again - two different reps assured me that the cashiers check was cleared, and XXXX of the Chase reps assured me that that meant it was legitimate and that the funds have been transferred from the bank on the check ( XXXX XXXX XXXX XXXX ) to my account. I explained that I was still in the window of time to reverse the XXXX transaction, but the Chase rep conveyed to me that the cashiers check was legitimate. I even contacted XXXX XXXX XXXX XXXX to see if they could help verify the check- they said they dont do that unless youre a business inquiring. 

I have spent countless hours contacting ( or trying to contact ) XXXX, XXXX, local police department ( XXXX XXXX, IL, with whom I filed a report ), FBI online site, FTC, Illinois attorney general office, US Postal Service investigation division, and other resources. I essentially have been told that there is no way they will catch the perpetrator ( they dont have the resources to investigate or whatever ). 

I have been a client of Chase for at least XXXX decades and have been in good standing. For this reason and for because the Chase reps provided me assurance that the cashiers check was legitimate, during a window of time that I could have reversed the XXXX transaction, I asked that they please credit my account with the {$1600.00}. They just provided me with a boilerplate, generic response and to ask XXXX to help me. XXXX says that Chase and law enforcement should help me. They all just pass the buck to XXXX another, like a hot potato.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Citibank concerning the abrupt and unexplained closure of two of my accounts, which has resulted in severe damage to my credit score and overall financial well-being. 

On XX/XX/2023, I was shocked to discover that both of my accounts with Citibank had been closed without any prior warning or explanation. I immediately contacted Citibank 's customer service to seek clarification on the reasons for the account closures. Unfortunately, the representatives were unable to provide a satisfactory explanation for the closure of one of my accounts, and for the second account, their sole justification was that I had been late with a payment once. 

When I inquired if Citibank applies the same standard uniformly, closing consumer accounts solely due to a single late payment, I was informed that this was not the case. The representative could not provide a coherent explanation for the disparate treatment, I further asked the Citibank representative if there was any possibility of reinstating the account, he stated that reinstatement was not an option and offering no reasons for this decision. 

The abrupt closure of both accounts has caused severe damage to my credit score and credit report, which I believe is entirely unjustified. I can't help but shake the feeling that I may have been a victim of credit discrimination, especially considering the recent class action lawsuit against Citibank for discriminating against Armenian names. This raises serious concerns about potential redlining practices and prompts the question of whether Citibank engages in discriminatory practices against individuals of other races, ethnicities, or names. 

I am concerned that Citibank 's actions may be in violation of several consumer protection laws, including but not limited to the Equal Credit Opportunity Act. The lack of transparency and coherent reasoning behind the account closures is not only distressing but also raises questions about Citibank 's compliance with regulatory standards.

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 2023-08-15
Company: ERC
State: IL
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:
CFPB Writeup : 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. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts :, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I used the atm at chase bank, I have an account with them, this is the second time my money has been taken from the atm I deposited roughly XXXX dollars tte first time. The second time I deposited XXXX dollars roughly and no one in the bank helped me, I have asked that this claim be escalated because I am depositing the money because I have bills to pay now I will be late on them and receive late charges all because the atm stole my money. I asked that the atm overages be checked and all they did was tell me to call the number, I asked to speak with a XXXX and they said there was none. The atm gave me a receipt with the sequence number on it and nothing to do with my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: BARCLAYS BANK DELAWARE
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report from your organization on XX/XX/2023 and noticed a credit inquiry that I did not authorize. 

If you find that the inquiry is valid, please send me proof along with a description of your investigation procedures

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 2023-08-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received services from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Ca XXXX, ( XXXX ) XXXX ). They sent me a check for my remaining unused balance of {$320.00}, mailed on XX/XX/. I did not receive this check, when I inquired, they notified me that the check had been cashed fraudulently by other individual. 

I received a 2nd due payment from them by mail/check for {$130.00} on XX/XX/, which I cashed to my bank XXXX. 

The payor bank is Wells Fargo. I do have their routing number ( XXXX ) /account number ( XXXX ) from the second check that I received by mail. They informed me the check number was # XXXX. As far as I know, they have not submitted an investigation and will not tell me the bank who cashed the check ( depository bank ). 

They have instructed me to notify my postmaster, and I have submitted a service request with the United States Postal Inspection Service ( USPIS ) regarding mail theft.

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 2022-12-05
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$74.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$9.00} ; XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-08-13
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Ive had a vehicle with US Auto sales for 5 years ( XXXX XXXX XXXXXXXX ) the car was priced for {$18000.00}. Here it is, once they changed to Westlake Portfolio I now owe XXXX like how?!? Ive been double billed several of times which makes it extremely difficult to keep up with payments. I now have no choice but to surrender the vehicle and take a hit on my credit because the car had a mechanical issue that I reported BEFORE my warranty expired. They waited until it was expired to attempt to fix the issue and then tell me they couldnt cover the mechanical issue because my warranty is up. Now I barely drive the car cause it cost more to keep it then to carpool.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I had a loan out with US auto sale financing, and I was charged double times, my car was disabled even when I wasnt late but they always turned it back on. But Ive been paying on my car for over 6 years now and it still hasnt been paid off. I know I should be done paying it by now. If they were using the money towards my payments, but now I have this company called Westlake portfolio sending me threatening letters to repose my car a company I didnt even know nothing about first off. And now Im struggling having to try and pay them XXXX XXXX  a month when I was paying us sales XXXX XXXX a month for almost 6 years, my car should definitely have been paid off by 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 2023-08-12
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I've had my car repo twice with the company, my car has also been SHUT OFF several times before leaving myself and children stranded in the middle of the street at a stop light! My interest rate is out of the roof. My finance charge was at an illegal rate! When the car was bought the term of the loan was for 5 years at a little over {$17000.00} the car has never been worth the cost with it being a XXXX I've had the car for 3 years and my payoff is still over {$12000.00}! Company suddenly closed and transferred accounts to WESTLAKE Portfolio. The new company in charge of accounts have incorrect information and haven't been able to provide correct information or a solution. Warranty 's that have been paid towards doesn't exist anymore! The account shows closed on my credit report but was reported as delinquent when closed! It's unfair to be paying the new company, when the contract was never agreed to with them!

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 2023-08-12
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Over the course of 3 years US auto sales had disabled my vehicle several times after payment was made they also sold me a truck an the transmission went out in the first year then they sold my account without notice or warning regarding the new company or any warning that they were closing for good no written communication nor phone calls from us auto sales

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: DISCOVER BANK
State: NY
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 have a fraudulent accounts on my credit report, which I reported to DISCOVER BANK and XX/XX/XXXX yet they are not removing these fraudulent accounts. They have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they refused to do this. The following is the fraudulent account : DISCOVER BANK / XXXXXXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never gave written consent for any debt collector to report on my consumer report. Congress never defines credit report yet Im being denied my credit because of a credit report number. Let me correct that. Title 15 U.S.C. 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.Title 15 1691 Scope of Prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. The consumer has an open ended credit plan but due to information on my consumer report that I never gave consent to report it seems my credit is blocked. They have been misleading the public by calling themselves bureaus when they are nothing more than agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: CORELOGIC INC
State: AL
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 wrote XXXX XXXX about the accounts on my report belonging to my brother for the vehicle he now has and previously had and traded for newer trucks and XXXX. They never responded nor removed his credit checks off my account. I've never owned a XXXX door truck, XXXX  or XXXX XXXX XXXX XXXX. I own a used XXXX XXXX XXXX XXXX which is financed through XXXX XXXX XXXX. His credit checks for his truck which he traded was through XXXX dealer service is on my credit report. His XXXX  which was through XXXX is on my report and his now XXXX XXXX XXXX XXXX is financed through XXXX XXXX XXXX XXXX is on my credit report. These are all dated XX/XX/XXXX. There's a Credco on my report which I have no idea what it's for and XXXX XXXX XXXX on my credit report also that showed up the first of this year along with everything above. But I don't understand why they put these on my report this year they weren't on my credit report last year. We don't have the same social security numbers, we just share the same address. We are brother and sister, I'm XXXX and he gives me a place to live. I had really good credit before this got added to my report. It dropped my scores XXXX points. How fair is this 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 2023-05-23
Company: Experian Information Solutions 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:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 



XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX  XXXX Account Number : XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA XXXX XXXX The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2023-08-11
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation