BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, XXXX, and XXXX and have noted following discrepancies : Amerifinancial solutions Date open : XX/XX/2022 {$1400.00} XXXX Amerifinancial solutions Date open : XX/XX/2022 {$970.00} XXXX Amerifinancial solutions Date open : XX/XX/2022 {$510.00} XXXX I have attached copies of the supporting documents which show that these items are inaccurate [ and explain why each document supports the dispute ]. 

Please provide me with written confirmation of the disputed items when the investigation is complete. This includes any changes to my credit report that have been made in response to this dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Thursday XX/XX/XXXX, I was contacted by text checking to see if I had made a {$350.00} charge to a XXXX, I responded No and called to follow up. 

The person that answered indicated that there was also a {$20000.00} wire transfer posted to our account and asked if it was mine. It was unusual for us to have this large amount in our checking account because we had just received a tax refund the afternoon before. I told this person No and he proceeded to help me cancel it. He fraudulently presented himself as a Chase employee named XXXX with a Chase employee ID of XXXX and said he was calling from the XXXX office XXXX He sent fraudulent texts from the Chase App and I followed his instructions and instead of cancelling the wire, I enabled him to transfer {$10000.00} to his account. During these events, as I began to become suspicious, he called me back on the Chase Customer Service Line using the Chase Line fraudulently. 

Meanwhile, I called Chase Fraud on another phone and asked if the transaction/ situation was valid. They told me no and to hang up immediately. I did, and also asked the Chase Fraud representative what I could do to stop this wire to the recipient at XXXX  XXXX XXXX, XXXX XXXX since they had the account and transaction information in front of the. They told me there was nothing they could do. Not taking that as a final answer, I drove to the the nearest XXXX  XXXX XXXX branch and asked them for help- with their customers information- and they too, said there was nothing they could do. Still not content to take no, I drove to the nearest Chase branch and asked them for help. Eventually I was able to close the impacted checking account, open a new one, and file a complaint with Chase Fraud. There was an additional direct deposit to my account claiming to be from the Internal Revenue Service. I confirmed with the IRS that this was not sent by them and I asked Chase to reject it. It seems too coincidental that a direct deposit came in from the IRS within XXXX hours of having the initial one actually sent by the IRS for the correct amount of the refund we expected. I realize that I made critical mistakes but also want to stress that I was misled by someone who knew they were stealing money. I also would think the IRS would want to know more about this person since they were impersonating a federal agency. I am working with Chase to file the report regarding the fraudulent deposit with the IRS. 

I ( and Chase ) have the name and information of the recipient of the wire transfer : There is an address and phone number on the Internet for this person too. The information of the individual receiving this fraudulent wire iis below : XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX- XXXX. 

Address per Internet : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to DEPT OF ED/XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX  customer service representative.

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 2023-01-31
Company: Experian Information Solutions Inc.
State: FL
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit 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 explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: AZ
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:
To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.

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 2023-06-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been harassed by Portfolio Recovery since 1998. Threats of legal action, pay deduction, and house manipulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was scammed/Frauded by someone acting as Wells fargo 's agent on XXXX XXXX XXXX pm I received a text from Wells fargo bank fraud department asking me if I had XXXX {$2500.00} to someone. I answered no. the next text said that " A representative will be contacting you shortly ''. two minutes later someone claiming to be wells fargo Fraud department agent called and said money had been taken out from the bank and I needed to XXXX  the {$2500.00} to a XXXX agent and they will return the money to my account shortly. I questioned him if he was a wells fargo representative and said yes. I checked the number he was calling from and I confirmed that the number was the official customer service number in the back of my XXXX  card. I filed a claim XXXX minutes after he disconnected the call on XXXX XXXX received a response from Wells fargo denying my claim saying they can not money sent through XXXX. this letter was dated XXXX and I received it on XXXX XXXX. 
I have accounts at XXXX and XXXX XXXX XXXXXXXX and they would absolutory handle such a 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 2019-09-25
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loan was forgiven for XXXX XXXX  XXXX XXXX through XXXX on XX/XX/2019. When I called Navient for status around XX/XX/2019 they stated that it would take 60 days to review and post forgiveness to my account. A customer service representative stated that people mess up and the payments resume. This is why it still shows that I owe. They also stated that they would expedite this for review and check back within 60 days. I spoke with someone at Navient on XX/XX/2019 and had to be transferred to three different supervisors. The first supervisor said they just sent all the information over to Navients internal claims team on XX/XX/2019 and it would take another 60 days. When I asked about the {$3000.00} more interest tacked on the first supervisor could not answer. She also stated that they were waiting for a response from the guarantor because the interest was different and didn't match. I asked to speak with someone who could take care of this and was transferred. This person stated that they originally got everything that they needed for and my application was approved. When Navient sent everything over the individual working on the claim did not include everything needed for the internal team to review. She advised the information sent on XX/XX/2019 contained all the information. She also stated that she would look into why it wasn't completed right the first time and send a letter to follow up. This was Navients fault that their internal staff did not do their job. Navients staff gave conflicting information and failed to update my current address information to receive any correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Upstart Holdings, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For 3 months, randomly spread throughout 2 years now, Upstart has said I've paid late but it won't be reported to credit bureaus. And when I checked XXXX XXXX my credit score has taken a HUGE HIT due to this. I've made payments on time. Do not go through these people they will try to over charge you anyway they can!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: WELLS FARGO & COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This is a formal CFPB Complaint filed by XXXX XXXX against Wells Fargo and XXXX XXXX. <P/>The financing of the XXXX XXXX customer-purchases ( derived from unlawful, deceptive, and unconscionably high-pressure sales tactics, with the sales appointments, themselves, always induced by an elaborate referral-scheme of {$100.00} XXXX gift cards ) is deceptive, fraudulent, unlawful, and unconscionable. Specifically, this allegation refers to the exclusive-financing relationship that exists between XXXX XXXX/XXXX XXXX XXXX and Wells Fargo Bank, whereby customers are led to believe that they are applying for a traditional, closed-end loan only for the amount of the ever-shifting price quoted by the XXXX XXXX sales representative. In fact, the Defendants actually trick or otherwise induce, without the required disclosures about the nature of the credit-application being executed, the customers to apply for what turns out to be a XXXX Home Projects credit card, issued by Wells Fargo bank. <P/>As a standard practice, XXXX XXXX sales force completes all paperwork that is executed during these late-night, in-home appointments, and then simply gets the customers to sign the paperwork that was filled out by the XXXX XXXX sales representative. <P/>This practice, pleaded in the paragraph above, is aimed by the Defendants at deceiving and /or concealing from the prospective customers of XXXX XXXX/Wells Fargo : ( 1 ) the nature and quality of the actual products they are purchasing ; ( 2 ) the many terms and conditions that apply to XXXX XXXX so-called 100 % Satisfaction Guarantee program ; and ( 3 ) the financing terms and the fact that a XXXX Home Projects Program credit card is being applied for of the transaction. This practice of the Defendants, among constituting various other torts, breaches of express warranties and implied covenants, and statutory-violations, is an unlawful violation of the Truth in Lending Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : ALL DEPT OF XXXX/ ED In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 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 following items of information any other adverse items of information, other than records of convictions of crimes which antidotes 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. 

I demand the collections be removed from my account immediately.

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 2022-11-14
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello! 

On XX/XX/2022, I sent a bank transfer of XXXX XXXX XXXX from my XXXX account in XXXX to my account at XXXX XXXX XXXX XXXX XXXX. 

XXXXXXXX XXXX declined my transfer and sent the money back. But the money never went to XXXX XXXX XXXX. 

The whole chain is XXXX XXXXJP Morgan XXXX XXXX XXXX XXXX XXXX JP Morgan - .. payment not returned to XXXX... 

JP Morgan is an intermediarybankin this transaction and has been holding my funds since then XXXX XXXX XXXX declined my transfer and sent the money back. 

The XXXX number for this wire is XXXX I also made the request to XXXX, which sent a response that my funds were not blocked.

I also made the request to JP Morgan, but they answered me, that they are not permitted to assist me personally in this matter. Since i do not have a direct relationship with J.P. Morgan they are not permitted to provide specific details. 

I also sent repeated inquiries to XXXXXXXX XXXX, but they informed me that JP Morgan was not responding to their inquiries. 

I dont understand why I have to write requests to banks myself. Why can't they resolve this issue among themselves in half a year. 

I am more than happy to provide any additional paperwork required to get my well earned money back to my XXXX XXXX XXXXXXXX  accounts, though it's been now more than 5 months since the wire was sent, and I do not know what to do. 

Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: GA
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 been a victim of identity theft. I have sent in several request for the fraudulent items to be removed from my credit report and it still on there.

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT.I WOULD NOT EXPECT SOMETHING OF THIS MAGNITUDE TO OCCUR. I FIND IT SURPRISING THAT I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF TRYING TO BUY A FOREVER HOME FOR MY FAMILY! PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

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 2023-04-05
Company: Experian Information Solutions Inc.
State: MD
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list o items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX CT XXXX, MD XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX BANK XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX CARD XXXX Balance : {$2900.00} XXXX CARD XXXX Balance : {$2900.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} U S DEPT OF EDXXXX Original creditor XXXX XXXX  XXXX Balance : {$1600.00} XXXX BANK XXXX Original creditor XXXX XXXXXXXX XXXX. XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX  Original creditor XXXX BANK XXXX XXXXXXXX Balance : {$1400.00} XXXX CRD SRVC Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$110.00} XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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