BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: JPMORGAN CHASE & CO.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Complain between bank to bank communication : XXXX XXXX  tried ( with 3 attempts ) to recall the wire transfer per customer request and Chase Bank denied it. XXXX XXXX  close the case without any answer. 

Can the XXXX banks have a better communication for recall wire transfer or any other issue? Can someone track that communication? Why Chase denied the communication? 

Complain with Fraud business account : Chase bank opened an fraud business account : XXXX XXXX XXXX with Agent name : XXXX XXXX, XXXX, XXXX. and they closed after a few months later. Our detective placed an Search Warrant for the fraud business account more than a months ago with no answer yet.

Why the Police department has to wait for a months for an Search Warrant 's answer?

Please help me to resolve all the banking issue. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 information to credit bureau 's regarding information on my account. I have not received any update regarding the investigation. It has been well beyond 30 days.

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 2022-08-26
Company: Sequium Asset Solutions, LLC
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I sent a request to SEQUIUM ASSET SOLUTIONS to validate the account that was opened on XXXX, XXXX with a balance of {$180.00}. To this day, the creditor has failed to answer my request as they are required by Federal law and I'm very concern because I believe this accounts was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
MY PHONE & WALLET WERE STOLEN. AFTER STOLEN SOMEONE USED MY XXXX XXXX TOO SEND XXXX $ to themselves TRUIST IS BEING UNFAIR BY NOT RECOVERING THE FUNDS FOR ME SFTER I SUBMITTED A DISPUTE

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 2022-01-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX. Take off XXXX XXXX. I have credit freeze and never gave information. 
XXXX. XXXX XXXX has old information. I have XXXX balances on my accounts. 
XXXX. My credit history is XXXX XXXX XXXX and they say I have none. 
XXXX. XXXX says XXXX am late on payments in 2017. I was never late. I was in car accident and in hospital with tubes through my body. I called XXXX and told them I would make minimum payment and they took XXXX say it wasn't enough. That is a lie.I had agreement with them to pay XXXX $ a month until I got out of accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: GA
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:
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 resulte 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!

These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 receive a notification from XXXX  XXXX  that I had a new inquiry on my credit report on XX/XX/2019 so I logged into XXXX XXXX  and seen a company called XXXX. I immediately called XXXX and the company advised me that I needed to call the Credit Bureaus so I called XXXX  and Trans union and they told I should do a dispute and when the information is not able to be verified it would be removed. I also went to the police station to file a police report and the officer explained to me that because it was only an attempt to access credit and no account was opened then I couldnt file a police report unless a form of credit was opened in my name. XXXX   and Transunion claimed that they investigated my claim which they absolutely did not. I asked for the documents and signatures proved to them in this fraudulent attempt to steal my credit information. To date Trans union and XXXX  have not provided me with any factual information only a generic pre generated response over and over. I have never had or attempted to gain access from XXXX and Trans union and XXXX  never actually investigated because if they did they would have seen there is no copy of my Id, or social security card with this company.

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 2023-09-13
Company: EQUIFAX, INC.
State: PA
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 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 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 non-monetary relief
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX XXXX  ; Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-07-27
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello. I literally came into a branch on XX/XX/XXXX and spoke with someone about making sure my account didnt get closed. I called customer service and they said the account never got unlocked. So now Im here waiting 5 days for my paycheck to get deposited into my account because of Wells Fargo XXXX up. I need my money and I had called wells Fargo 2 times Wednesday XX/XX/23 at XXXX and then at XXXX to find out where my check was. I now I have to wait XXXX more days to receive my paycheck because again of Wells Fargo XXXX up. This is complete XXXX! I called and spoke with a XXXX of customer service XXXX  and she started cursing me out. Saying I never called, Im just lying then why do you guys record your calls? Because you can go back and check them! XXXX XXXX and I cant go longer without my paycheck! And Im not paying the overdraft fees in my account because of you guys XXXX up! I had already asked about getting them waived and I was told yes and then all of a sudden no. I shouldnt have to wait this long for my paycheck!!!!

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 2023-09-13
Company: EQUIFAX, INC.
State: GA
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, These items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 non-monetary relief
Consumer complaint received 2018-01-03
Company: RockLoans Holdings LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I filed out a personal loan application for $XXXX.  I completed all of the documents onXX/XX/XXXX.  At XXXX XXXX this morning I was given a call by XXXX XXXX telling me that my application was complete and all I needed to do was sign the promisary note before XXXX XXXX and I would have the money by XXXX XXXX.  I got off the phone and logged in to complete the requested document.  Upon me logging in and clicking continue I was given a denial letter.  I called back and asked them to explain how I went from approved and receiving the money by XXXX XXXX to being denied.  Nothing had changed in my credit report.  I was told well until you hit continue we don't really know if your approved until we run a hard credit report.  Then why is an employee on a recorded line telling me I was approved and would have money by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: AMERISAVE MORTGAGE CORPORATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted AmeriSave Mortgage at the beginning of XXXX. I was provided with several different loan disclosures for different interest rates, included in the disclosures were costs for a Title company XXXX XX/XX/20 XXXX XXXX. I chose to shop around in order to lower the Title costs and contacted a local title company I used 2 years ago, I completed this process within 5 days of initial disclosure, the loan originator assured me verbally, and through a text message that my local title company would be used. A month later, this has not happened. Additionally, I was sent wire instructions for closing : very clearly across the top the state of Louisiana is NOT included. I immediately attempted to contact the mortgage originator and the loan processor ; I don't believe XX/XX/20 XXXX is even licensed to do business in my state. I received no answer. 

AmeriSave Mortgage also locked my rate without notifying me first, and it turns out that the disclosures I received initially had far less cost for points to buy down the rate than where they locked the rate. I am now looking at costs to close that are 5 times HIGHER than where I started. 

I believe this company is a complete scam. There is no way to contact customer service or to speak to anyone in management. I want to cancel this refinance and will contact the Louisiana Office of Financial Institutions to lodge a complaint and a housing counselor to make sure I can back out. Please warn other consumers about this company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
MY NAME IN PERSONAL INFORMATION IN NOT CORRECT REMOVE XXXX XXXX  XXXX AND 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 2019-12-21
Company: The Thomas Agency, Inc.
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX ( XXXX ) had seen me for something a few years ago, at the point in time I had medical insurance and still have the same insurance. The Thomas Agency Inc opened an account on XX/XX/2018 in the amount of {$280.00}. 
For about the past 6 months I've been trying to get this debt resolved, my insurance company informed me that I needed to get an original copy of the bill. I contacted XXXX, I spoke with a supervisor there about needing an original copy of the bill being sent to my insurance copy due the the collection agency not being able to do so, I was told that a copy of the original bill was sent to the insurance company. It's been several months since the bill was supposed to be sent and I've yet to see the debt be resolved and the agency has stated that they're not aware of any payment being made. At this point I'm not sure who the fault should be in the hands of because both XXXX and the debt collectors are aware of my insurance company agreeing to pay the medical bill as I did have insurance on the date of service. My insurance company has informed me that the original bill was never received.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-16
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX XXXX did not disclose the debt collection at all, nor did they send a notice about sending to collections. I was not aware of these debt collections until they reported to my credit report. 

I reached out to XXXX XXXX on several attempts to offer payment on the account before they sent it into collections. XXXX makes it very complicated to be able to reach out to someone to get help on the matter. On the actual XXXX account, the last time i took a look at it which was XXXX  XXXX, the past due balance was about {$380.00} or so. They did not disclose it was being sent to collections, and sent it to collections for over {$900.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have been monitoring my credit report ever since I was informed by my credit card company XXXX XXXX XXXX on XXXX XXXX, XXXX that I have been a victim of Identity Theft. Someone stole my personal information such as my name, date of birth and social security number to open several or numerous credit card accounts without my consent. The suspect has been committing the crime of theft under my name since XXXX XXXX. The suspect used a fake address of XXXX XXXX XXXX, XXXX California to obtain these credit cards. I had to dispute most or all of the fraudulent charges against me due to Identity Theft. I already filed a XXXX XXXX Police report on XXXX/XXXX/XXXX and placed a Fraud Alert and Security Freeze using XXXX Credit Bureaus such as XXXX, Experian and XXXX. On XXXX/XXXX/XXXX I sent Experian a XXXX XXXX Police report, my current California driver license, my social security card, my DMV bill and property tax bill in order to verify my real true identity. I do NOT know if Experian received these personal documents or the fact Experian loses items from customers. I already told Experian that I do NOT live in XXXX XXXX XXXX, XXXX, CA on several occasions. I told Experian that I have been living in XXXX XXXX, CA since XXXX. Experian insisted that I send them another copy of my driver license and other personal documents again. Experian still refused to assist me and failed to answer my phone calls by putting me on hold for over 30-45 minutes every time I called. I already sent Experian all my personal documents on XXXX/XXXX/XXXX. I just do n't know why or how Experian lost my documents. My identity has already been stolen and Experian lost my personal documents into the wrong hands of criminals. Experian refused to conduct a thorough investigation based on my requests. Experian refused to assist 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 non-monetary relief
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: IL
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 implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I'm receiving emails from chase.com of JPMorgan Chase & Co., I never confirmed or verified that email with Chase.com, there is a serious security risk of phishing and chase.com don't even have an email or form to contact, only phone, I'm not even on US.

I receive plenty of personal mails for an account like this : " We posted a new notice for your account Here 's what it's about An Insufficient Funds Notice posted for your account ending in ( XXXX  XXXX ) We encourage you to read the entire notice because it contains specific information about your account. '' First email was on XXXX, and there are like XXXX more. 

Contacted over XXXX  weeks ago, no resolution until now.

Company response to consumer: Closed with explanation