BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Summary : I ordered some checks from JPMorgan Chase Bank, but the checks are lost during mailing. Someone signed and cashed the checks for {$400.00}, and Chase refused to refund the money. 

Timeline : XX/XX/2022 : Ordered checks at Chase branch at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, no notification ( email, or message or phone call ) about the mailing of the check, no tracking number provided. No communication from the bank when the check will arrive. 

XX/XX/2022 : Someone signed a first check and cashed {$200.00} ( attached as XXXX ). 
XX/XX/2022 : Someone signed a second check and cashed {$200.00} ( attached as XXXX ). 
XX/XX/2022 ( approximate date ) : I first realized the check was never arrived and noticed the cashing out of the lost checks. I called Chase immediately, but the bank refused to refund the money and they said they need further investigation. 
XX/XX/2022 : No notice of investigation result from bank, so I call the bank and they said investigation is over and they refused to refund because the check was cashed out more than a XXXX ago. 
XX/XX/2022 : I went to branch to discuss but they said the decision is made and they can do nothing. 

Note : 1. When I ordered the checks in the branch, I was not explained when the checks will arrive and that I should contact Chase if the checks will not arrive after a certain date. 
2. No notification in any forms ( phone call, email, message ) that the check was in delivering, no tracking in any sort. 
3. I don't know whether the check is mailed to the wrong address, lost in the mailing process or got stolen from our mail box. However, we haven't lost mail / packages and the neighborhood is very safe. 
4. I only noticed that check was not arrived until XX/XX/XXXX because there was a newborn to care in the mean time and as a first time mom it's very challenging. If there would be any kind of communication that the check was expected to arrive, I would have noticed that notified Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2023-04-05
Company: Experian Information Solutions Inc.
State: VA
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:
Hard inquires too old and must be removed from my credit report XXXX inquires too old and must be removed XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have a mortgage with Wells Fargo. I requested a modification on my loan due to medical hardship for my elderly dependent father. I requested this modification in XX/XX/XXXX, my documentation was lost several times, the shortage I paid for my escrow was not applied {$1600.00}, information was requested several times, I was asked the same question several times. XXXX XXXX in the Home Preservation Department couldn't answer any of my question, never answered her phone and when I did call, she could not provide answers she just repeatedly asked for the same information. I filed a complaint case still no resolve. As of today, I paid the storage escrow for my mortgage XXXX of XXXX, the modification amounts are still incorrectly Wells Fargo has calculated a higher monthly payment due to a storage paid in XXXX of XXXX. My numbers are incorrect, customer service is incompetent and I'm getting overcharged on my monthly mortgage. 

I have already spoken to XXXX XXXX, XXXX XXXX ( executive Office Case Manager ) Case number # XXXX, XXXX XXXX, and XXXX XXXX, I was assured that the escrow payment would be applied, I was also sent written confirmation of such and as of today, my escrow is still short, and the monthly payment is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting Act XXXX ACCT XXXX 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 a 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 non-monetary relief
Consumer complaint received 2023-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Ive been paying my car note I financed with Capital one Auto financing a used car that was priced at XXXX so far since having the car Ive paid over {$20000.00} however only XXXX was applied to my actual principal XXXX the bank is still requiring me to pay XXXX more which would total me in at about {$34000.00} I end up paying. I know What is being done to me is illegal and was set in place for me to fail. How can i pay {$20000.00} on a used vehicle that was priced at XXXX and only XXXX be put towards my actual loan. Please help my credit is ruined and i receive public assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have CLOSED accounts at XXXX XXXX XXXXXXXX which are disputed and affected by a natural or declared natural disaster. The FCRA and Metro 2 protocols require reporting my CLOSED accounts as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my XXXX, Equifax and XXXX credit reports fail to accurately reflect that my accounts are disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete for failure to contain the mandatory information. Either delete all my XXXX XXXX  XXXX accounts or include the statutory reference that my accounts are both disputed by consumer AND affected by a natural or declared disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX date open inaccuracy with all 3 credit bureaus {$1000.00} - original creditor XXXX XXXX I have not supplied proof under the doctrine of estoppel in silence Engelhardt vs Gravens ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alledged debt, nor therefore any such debt, in fact therefore exists. 

XXXX XXXX XXXX XX/XX/21 $ XXXX original creditor XXXX XXXX I have not supplied proof under the doctrine of estoppel in silence Engelhardt vs Gravens ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alledged debt, nor therefore any such debt, in fact therefore exists. 

XXXX XXXX XXXX Collections closed due to inaccuracy but needs to be deleted. See attached credit bureau response after re-investigation. I have not supplied proof under the doctrine of estoppel in silence Engelhardt vs Gravens ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alledged debt, nor therefore any such debt, in fact therefore exists. 

Credit bureaus are to report 100 % accurate information by law, the above companies were asked to investigate and provide proof of accuracy of these alleged accounts by item of signed contract, note, or instrument showing the accuracy of these accounts and they have failed to do so. These accounts are negatively affecting my credit profile and leaving me under distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: NY
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 AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN

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 2023-02-19
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX, XXXX, and Experian has repeatedly continue to report inaccurate information as verified which is a lie. My high balance on my credit report do not match. please review my credit report. Inaccurate information is not verifable. They are violating my rights due to 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. 

Delete these accounts from my credit report : XXXX : XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) : XXXX, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX, XXXX  XXXX : XXXX, XXXX  XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/23, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-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 results from alleged identity theft, no later than 4 business days after the date of receipt. These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY. The credit bureaus had 30 days and didnt remove any inaccurate information from my credit report. They are in VIOLATION of this law because I am a victim of identity theft. Please delete these items 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 2023-09-12
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent letters to XXXX and Experian, regarding this account and they keep rejecting my dispute letters. 

The account below is in question of its inaccuracy. 

Company : XXXX Account # : XXXX Inaccurate information on account : ( dates ) -Date Opened -Last Reported -Date Last Active - Verify date of last payment All the information is wrong and according to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly or delete them. 

XXXX deleted this account from my report because of the inaccurate and unverifiable information on my credit report. 

I provided proof of the mismatch information. 

Thank you for your time.

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 2023-03-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Beginning in XXXX, I tried to get a loan modification from Wells Fargo and they wouldn't respond to my request. I ended up having to sell my home for less than I paid for it. In addition, Wells Fargo cashed a post-dated check that spiraled my checking account into a deepening negative balance, when they could see my balance wouldn't cover the post-dated check on the day it was incorrectly presented by a plumbing company who had agreed to wait to submit it on the day the funds would be deposited. Following is an XX/XX/XXXX email I sent to a state representative trying to get help : Dear XXXX XXXX, I'm trying to get help- I've been unemployed for over XXXX year and I'm not behind with my mortgage but I will be soon. My loan 's origination date was in XXXX XXXX, past the XXXX XXXX, XXXX deadline the foreclosure prevention help programs all seem to have. 

Wells Fargo will not help me, I've spent the last month sending and resending the same financial information to them. I have equity in my house which I'm sure appeals to their bottom line, but I will have to sell well below what I paid for it ( if it sells ), according to my realtor who just sold her house in a short sale. My roof also has a leak so my house is not in top condition for sale. 

Will there be any flexibility in the new Oregon Homeowner help programs in regards to that XX/XX/XXXX deadline? I've been trying to maintain my credit rating and not go into default but the bank options- waiting periods, 3-month forbearance with balance due at the end of three months in a lump sum - all lead to damaged credit and possible foreclosure in the end. 

Wells Fargo did not help me and I ended up selling my home for less than I paid for it.

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 2023-01-25
Company: FinCo Services Inc DBA Current
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23 I filed a dispute for a transaction in the amount of {$430.00}. My financial institution, Current, says they dont have to issue a provisional credit because my dispute isnt covered by Regulation E. I read that to qualify for Regulation E protection a transaction only has to meet 3 requirements : Be initiated electronically, instruct a debit or credit to an account, and involve a consumer account. I would like Current to immediately issue the provisional credit if they are going to take up to 90 days to resolve the dispute. Its incredibly inconsiderate of them to treat me like I dont matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
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: Account status incorrect

Complaint:
I sent this letters in XX/XX/2023, and despite my repeated attempts, this marks the 11th time I have reached out to them, yet they have taken no action. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: SC
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:
The last date payment made on this account for XXXX XXXX was XXXX XXXX. It is reporting as a charge off and closed, 1681c ( a ) ( 4 ) .They placed the account for collection or charged it to profit loss. That is fraud to write it off as a loss then trying to make the consumer pay them. The charge off balance at the time of charge off was {$260.00}. For years it was reporting as {$260.00}. Now the balance is reporting {$440.00}. How can a charge off account balance increase when it is charged off? I have asked for verification and validation of this debt from XXXX XXXX and I have not received anything but the credit bureau stating that the account has been verified and to call XXXX XXXX, which I did and they send me from one person to the other or tell me that the person I need to talk with is not in or to call back later in the week. The Statute of Limitations for South Carolina is time barred after three years have passed. 15 USC 3-530.They are in violations of my rights as a consumer. 1. ( 1681a section 603d ) this is a bearing on my credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility. 2. 1692f-1- The collection of any amount 3. 1692e ( 2 ) ( A ) - the false representation.

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 2023-04-05
Company: Experian Information Solutions Inc.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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