BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-03
Company: Experian Information Solutions Inc.
State: SC
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 an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lots of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, they informed me of my options in handling my situation.

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 2021-05-03
Company: eToro USA LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I referred a user with the username XXXX on XX/XX/2021. I was unable to qualify for the referral reward because Etoro blocked my ability to add funds to my account during this time period. In order to receive a referral reward, both the referrer and referee must complete a trade in their account of at least {$100.00}. Since I did not have the ability to add funds to my account during this time period, I was unable to complete the trade requirement. I contacted Etoro to restore my ability to add funds to my account, but they only agreed to do this after the 30 day period that you have to make the trade after your friend joins Etoro.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received an offer from chase Bank for a reward of {$300.00} if I switch my checking account to them. Based on this offer I closed my account with my previous bank and opened an account with Chase Bank Bank on XX/XX/XXXX and also had my direct deposit made to this account within 60 days as part of the offer agreement. The other requirement was a minimum of {$50.00} in the account. I complied with all the requirements.

I suddenly received a letter from chase some in XX/XX/XXXX that my account was going to be closed on XX/XX/XXXX for undisclosed reasons. Note that I still had my direct deposit into this account and as at the time of closure there was a balance over {$50.00} in the account.

The account was closed unceremoniously and my balance is yet to be sent to me as should any reputable should.

This is clearly a switch and bait strategy by CHASE BANK. I therefore demand that I be compensated for the injury I have suffered from closing my previous account and then having this closed shortly after I had opened. it.

2. CHASE BANK and all other banks engaging in this unwholesome practice should be stopped from continuing this unfair strategy. If there was a problem with my account why was it opened at all? Everything was verified before it was opened by one XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lots of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, they informed me of my options in handling my situation.

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 2018-04-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
What is this complaint about? 

This is a complaint about my banks refusal to correct an error in a transaction sent via a Mobile Money Transfer. 

What type of problem are you having? 

My bank, JP Morgan Chase, has refused to reverse an erroneous mobile money transfer I initiated to another Chase account holder who is a stranger to me. Chase has full control over both accounts and the ability to reverse the transfer, but declined my request and in effect, is protecting the fraudulent party who they claim has refused to return the funds of {$1200.00}. 

What happened? 

I am a Chase account holder and user of the XXXX XXXX bank-to-bank transfer service. 

On XX/XX/XXXX, I initiated a XXXX payment from my cell phone to my wifes cell phone of {$1200.00}. However, I mis- entered the last digit of her number which resulted in sending the payment to a strangers cell number. I contacted Chase that same day once I realized the error and was provided a claim # XXXX and was told they would contact me soon. 

On XX/XX/XXXX, I call Chase Customer Service, but was told their systems were down and advised to call back within 24 hours. 

By XX/XX/XXXX, I had not been contacted, so called Customer Service again and was told my claim was in process and that Id be contacted within 5 business days. 

As of XX/XX/XXXX, I had not received any call backs or paper confirmation from Chase and I normally do whenever I have issues with my account such as disputes. 

On XX/XX/XXXX, I called Customer Service and asked to speak to the Escalation Dept. and spoke with Sr. Specialist, XXXX XXXX who informed me that another Chase agent attempted to contact the erroneous recipient of my transfer but that the effort to recoup was unsuccessful. He added that the recipient was also a Chase account holder. 

I asked that he initiate a reversal, but he refused. I asked for the recipients name, but he said he could not reveal that to me. I asked to escalate to a Director or VP, but he said he was the final stop for escalation. I asked what other options I have to recoup my money to which he only apologized. 

I requested a copy of my claim details and the notes reflecting Chase efforts to recoup my money, however XXXX XXXX, refused explaining that the claim information was wholly owned by Chase and that I would need to have them legally subpoenaed in order to obtain them. 

XXXX XXXX explained he could not provide any further identifying information about himself including last name, agent or other ID # nor a direct phone number for security purposes. 


Who are the people involved? 
Complaint Issued by : Myself, Chase account holder and transfer issuer Bank : JP Morgan Chase Bank Customer service/escalation : XXXX XXXX Fraudulent recipient : Owner of mobile # XXXX Identity unknown but confirmed to be a Chase bank account holder by JP Morgan Chase

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-03
Company: Resurgence Legal Group, PC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company called me about a debt. I have called them back repeatedly, but they will not work with my situation. They have taken legal action against that they said they would withdraw, but they have not done so.

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 2021-08-15
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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute showing inaccurate information reporting to the three BureaXXXX. This is a direct violation and even showed the proof of the actual violation. The company came back and said UPDATED, but the information was not updated it is still reporting the same.

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 2021-08-15
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
1st I contacted XXXX XXXX XXXX XXXX after my Bankruptcy discharge. to make them aware that they were reporting my car loan as closed and discharged off in the bankruptcy, which is not true. I'm currently and always have been paying on this loan and have never missed a payment. they are still reporting it as closed. then I notified experian about this matter and sent pictures. after disputing it a few times the information has still not been updated. experian does not allow you to write in an explanation, they have prefilled options only. you can't state exactly what is going on. but I am currently paying my car loan. My Report should reflect that.

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 2018-06-11
Company: The Receivable Management Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i recieved a collection letter from RECEIVABLE MANAGEMENT SERVICES stating i owed XXXX car insurance for XXXX i have informed them and XXXX that i have not had car insurance in my name since XX/XX/XXXX/XX/XX/XXXX the vehicle i own which is a XXXX XXXX XXXX has always been insured under my domestic partner insurance XXXX XXXX XXXX XXXX with XXXX the prior vechicle I had was a XXXX XXXX XXXX that was totaled out by XXXX in XX/XX/XXXX. At which time we bought the XXXX at XXXX XXXX in XXXX Florida and then transfered the insurance from one vehicle to the next.NEVER DID WE EVER NEED OUTSIDE INSURANCE FROM XXXX. I have sent on several occassions to this company the declaration page from XX/XX/XXXX stating when this vehicle was insured and they continue to refuse to remove this debt from my credit report and harass me for a payment. I have been a victim of id theft in the past. I have called and spoke to various people at this company and there has been no resolve. My XXXX XXXX XXXX vehicle has and still has full coverage on it by XXXX XXXX XXXX XXXX with XXXX since the date of purchase.

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 2018-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A dispute was filled with Capital One Credit Cards regarding an item purchased that arrived heavily damaged. Capital One requested that I submit a second opinion letter from a merchant in the same field as the merchant that sent the damaged product. I provided this second opinion letter. Capital One 's dispute department, in error, marked the second opinion letter as a duplicate document and Failed to submit the case to XXXX arbitration. After I called them to follow up with the case, I was told that a mistake was made, but at this point there is nothing they can do, as the XXXX window closed. I believe that this is a violation of my fair credit reporting rights.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-03
Company: Nelnet, Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My Chapter XXXX was paid in full and discharged in XX/XX/2018 the discharge included my student loan totally {$7400.00}. XX/XX/2018 I received notice from XXXX XXXX I had a late payment show up 90 days past due. I reviewed and it was NELNET for a student loan.I called NELNET and was told is was for non-payment of my student loan. I explained to them the debit paid in full and included in my Chapter XXXX bankruptcy discharge. I uploaded a copy of the discharge to their website over 2 weeks ago and no one has responded or corrected the negative credit reporting. I just received notice that they are reporting it 150 days past due now. I do not know what else to do to resolve this matter. It's having a negative impact on my credit and the debit was paid in full. They made no attempts to contact me and I learned of the negative reporting by XXXX XXXX. If something is in question or being investigated I would think they would hold reporting anything negative until the matter was reviewed. Do we not as consumers have rights? Guilty until proven innocent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX I was charge XXXX NSF by Chase to my checking account, for XXXX purchases that were pending for a few days but posted that day. 

I dont have overdraft protection on my checking account. The XXXX transactions associated with the NSF was a POS transaction, recurring payment, and an online e-check payment, and all were made when the account had a positive balance. 

One online payment, which should have been denied due to not having overdraft protection, was requested on XX/XX/XXXX and posted on XX/XX/XXXX to the account which caused the account to go negative. Coincidentally, all XXXX transactions that were pending decided to post that day too. All XXXX transaction then resulted in a NSF. 

Why is it setup this way? Why didnt chase have that transactions in limbo for a few days, like it did the others? Why did it backcharge me, but for NSF when at the time of the purchase the account balance was sufficient? 

The method in which system employs to post transactions favors fees and overrides not having overdraft protection, as the online payment should have been denied or posted last, since it was the last transaction made. However, it was posted first causing me to owe {$100.00} in NSF under false conditions set up to defraud me. 

Im making this complaint in efforts to regain my money and for it to be the record the method chase uses to take money from their customers. 

Timeline of transactions : XX/XX/XXXX : - {$75.00}. e-check payment XX/XX/XXXX : - {$10.00} recurring gym payment XX/XX/XXXX : - {$13.00} POS debit XX/XX/XXXX : - {$82.00} online payment Chase then decides to go back to the future and charge me fees for transactions that were made when the account had a positive balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-15
Company: Experian Information Solutions Inc.
State: AL
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, XXXX XXXX, disputed an account with XXXX XXXXXXXX with Experian. After their investigation, it came back verified. XXXX XXXXXXXX is a collection company that is collecting a debt for XXXX. XXXX  sent me a letter addressed to XXXX XXXX. That is not my name. I forwarded this letter to Experian to let them know this information is incorrect. They said it again came back verified. I asked them how it was verified and they were not able to provide that information 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 2020-02-05
Company: Experian Information Solutions Inc.
State: NC
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:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX- Account XXXX XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX  HOSPITAL - Account : XXXX Creditor : XXXX BLANK ) - Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have XXXX or ever had XXXX some contractual obligation to pay this creditor.

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 2019-01-03
Company: EQUIFAX, INC.
State: NV
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 had 7 student loans that were initially serviced by XXXX. These 7 accounts went into default and were transferred to collections. These accounts were supposed to be updated to show that they were Transferred to Another Office. XXXX has responded that they did indeed report the status as Transferred ... however Equifax still has not corrected the STATUS. They added a comment to the Remarks section but Eqiufax did not update the STATUS. 

Below are the XXXX accounts with the wrong status. I've already filed a complaint with XXXX and they stated they reported the status as transferred and that the error is with Equifax. So Equifax needs to fix. 

Below are the XXXX accounts with the incorrect current STATUS : 1- XXXX 2- XXXX 3- XXXX 4- XXXX 5- XXXX 6- XXXX 7- XXXX My Equifax confirmation number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Convergent Resources, 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: Account information incorrect

Complaint:
This company is falsely reporting a debt on my credit that I do not owe. I requested a signed contract to show proof the debt belonged to me, however I was not sent any information. I even sent dispute letters to the credit bureaus, but they are stalling the dispute process because they do not have any proof it belongs to me. Neither XXXX  or XXXX  is able to verify this information. Convergent does not have any documentation or signed contract, therefore they are reporting false information which is illegal. I need this information to be removed immediately. I will be filing a complaint with the XXXX and 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 2018-06-11
Company: Equitable Acceptance Corp
State: WY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was looking into a " student loan forgiveness program '' and I came upon Equitable Acceptance. I spoke with this company on XX/XX/XXXX for over an hour as they explained to me that I would need to pay {$49.00} every month for approximately 3 years and after the three years of paying faithfully my student loan would be forgiven. I was super excited and agreed to this. I have been paying {$49.00} faithfully since with extra fees added on at times. In XX/XX/XXXX I paid {$55.00} ; XX/XX/XXXX I paid {$100.00} ; XX/XX/XXXX I paid {$50.00} and {$53.00}. I received a federal loan statements in XX/XX/XXXX and this is when I became confused ; therefore I did not pay Equitable Acceptance in XX/XX/XXXX and XX/XX/XXXX. I spoke to Equitable Acceptance who then explained to me that I paid them to find a student loan forgiveness company for me and there is nothing they can do about them not paying my student loan, but I would need to continue to pay Equitable Acceptance or they would send me to collection. This of course scared me as I am currently working on my credit and do not want anything sent to collection so I agreed to start paying them again in XX/XX/XXXX. I did ask for the name and phone number of the company they had found to pay my student loans off and they told me XXXX XXXX XXXX at XXXX and I called this number multiple times ; including today ( XX/XX/XXXX ) and left messages requesting a call back and I have yet to receive a call back and each time I have called I have never spoke with a live person. Today I called and spoke to the U.S. Department of Education and told them my situation and they were very helpful and understanding and they had informed me that plenty of people has been scammed with these other companies. I really need help on what I need to do because I don't want to keep paying money to a company that is not doing what they had told me they would do for me. 
Thank you

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