BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-22
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent in a formal request for an investigation on XX/XX/, 2022, in which they received the letters on the following dates : XXXX XX/XX/2022 Experian XXXX XXXX, 2022 XXXX XX/XX/ 2022 I never received written and actual proof of verification with a hard wet signature NOR did I receive a response at all. I sent in a 30 Day notification letter on XX/XX/XXXX, in which they received on the following dates : XXXX XX/XX/ 2022 Experian XX/XX/ 2022 XXXX XX/XX/2022 According the FCRA, these items should be deleted. I am expecting the attached accounts be deleted for non-verification.

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 2022-07-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: JPMORGAN CHASE & CO.
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/21, our car was broken into and my wifes purse was stolen. One of the cards was a Chase XXXX XXXX card. The thieves went and bought gift cards at a local XXXX right after the theft. We reported the theft and the fraudulent charges immediately, as in within the hour of it happening, and also filed a police report. Two months go by, and we assume Chase handled the matter, just like XXXX, XXXX and XXXX did ( we only have 4 credit cards ). Then we receive a statement from Chase this month with the charges on it. When initially contacting Chase, the rep said we were sent a letter ( which we absolutely did not receive ) and then told us we had to speak to the fraud department. Each time my wife called, the department was closed, until today. Today my wife reached a rep XXXX XXXX ) who told us that the account notes say my wife, " said that we still had the card in our possession ''. Really?? Someone needs to check the recording of my wife calling in on XX/XX/21 before implying that she's lying. It was STOLEN so obviously NOT IN OUR POSSESSION!! Then XXXX said we need to send in a copy of the police report AND suggested we make the minimum payment due on the account. Upon being told this, my wife became irate and I took the phone from her and spoke to XXXX. Unfortunately, I can't say that I was any more composed then my wife. I let him know that I will file complaints with the CFPB, FTC, and other relevant regulatory bodies and get my contact at the local media to run a public interest story about the theft, and include my experience with Chase XXXX XXXX customer handling. I've done 2 of the 3 with the filing of this complaint. I've reached out to XXXX executives as well. Its completely unfathomable the way weve been mishandled. Weve never missed a payment and did everything we needed to, to report the theft! 
In addition, we are buying a new home. We have no debt, so I doubt this will be the case but, if this impacts our credit score, I will take legal action and make sure Chase/XXXX  gets as much attention as I can draw to it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-22
Company: Nelnet, Inc.
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022, I sent DEPARTMENT OF EDUCATION/NELNET a certified mail letter requesting information in which I have yet to receive a response. 
DEPARTMENT OF EDUCATION/NELNET IS IN VIOLATION of my rights as a Federally Protected Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: EQUIFAX, INC.
State: AP
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not authorize nor consent to the inquiries furnished on my report. They are XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX -- XX/XX/XXXX -- XXXX XXXX. XXXX, XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/XXXX XXXX. XXXX  XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is a follow up on CFPB complaint submitted on XXXX XXXX - complaint number XXXX. 

Today Bank of America credit card department has taken {$940.00} from my checking account without my authorization. 

Despite talking to credit card department of Bank of America yesterday and asking them to revert the payment they denied. 

Today they say that I had in fact authorized an automatic payment and starting overdrawing my checking account. 

This is completely unagreeable behavior from Bank of America credit card department. 

Bank of America must not try to take XXXX dollars from my account. The charge is showing as processing on my account on XX/XX/XXXX. 

Processing Transaction layer ACH HOLD BANK OF AMERICA AUTO PAY ON XX/XX/XXXX activity type debit status type icon pending Processing. Select to mark activity type debit XXXX ACH HOLD BANK OF AMERICA AUTO PAY ON XX/XX/XXXX as Reconciled 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 monetary relief
Consumer complaint received 2016-02-15
Company: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XXXX caused me embarrassment and harassment by contacting my employer to " command '' information on my employment and income with the intention of collecting a debt for XXXX XXXX for a person with my same first and last name, residing at XXXX XXXX XXXX XXXX XXXX, NY XXXX, w/SSN ending in XXXX. 

I notified them XXXX/XXXX/16 that I have never lived there, my middle name is XXXX, and that 's not my SSN. 

According to the FDCPA, I requested the mandated correspondence within 2 weeks confirming all collection activity towards myself and my employer had ceased. I never rec 'd and called asking for confirmation again with no reply. 

Therefore I would like to file a formal complaint against XXXX XXXX XXXX XXXX at Law XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX for violation of the Fair Debt Collections Practices Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Issued a wire transfer recall. The receiving bank is requesting that Chase bank provide XXXX with an indemnification agreement. In turn I would then sign the indemnification agreement, so that Chase bank is not held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-22
Company: SIMM Associates, Inc.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX  Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
National Credit System is reporting inaccurant information on my credit report. 

They are reporting that I owe them XXXX dollars from an apartment who are misrepresenting our arraignment and providing the with inacurate information. 

The apartment complex had my correct address and fowarded mail was provided but did not send me the letter advising when and why they reporting my debt to a debt collector. I recieved other mail to my new mail box- they did not even attempt to send me a debt collection letter. If they did I would have challenged the inaccuries of their report. XXXX began being fowarded XX/XX/XXXX which is a few days before I moved out. 
They were very nice in talking and never answered my emails back, but only would come to my door and talk. 

They were offered back pay before this time they reported this information and refused the accept the money and National Credit System has not been able to provide me with any truthful information involving this debt, but yet sent the paper to Nation Credit system without sending it to me so I could defend myself. 

This has caused me to have to leave in a homeless shelter because I am not able to get adeqate housing. I have disputed this account already and will attached open dispute in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Westlake Services, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
bought used XXXX truck at local sales outlet in XXXX 2016 with trade and cash. Received new loan from Westlake Financial ( XXXX ). Given 1st payment date due ( about 30 days out ), amount and payment address from dealer. Had to call Westlake for account number. No bill/statement sent thru USPS. Set up payment by check with my banks online account. Payment delivered 5 days before due date ( verified ). Received call from Westlake on day after due date claiming late payment. I had to waste time researching check number for them. Check was finally cashed about a week later. Now it 's been another month and I paid early again thru a different online bank account. Same result. Westlake calls 3 times same day insisting on payment. Check number was harder to research here and when I attempt to phone Westlake back all calls are dropped before reaching an agent. Over two months have passed and still no bill or statement via USPS. I have repeatedly verified my address every time they have called. These people have completely soured this truck trade with headaches/wasted time and I 've only made two payments. Is this a legitimate company? I made a large down payment and the value is well above the loan amount. Could they possibly repo my truck by claiming I have n't paid when they seem to loose every check I send?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2022, I used XXXX to send disputes to Experian, due to being unable to go the physical post office or unable to upload any documents. Each time I try, I receive an error message. The documents were delivered XX/XX/2022. I never received any correspondence and I called Experian on XX/XX/XXXX to inquire about my disputes and was told they were not processed because they thought they assumed they came from a third party, like a credit repair company. I let them know that since I am XXXX XXXX due to long XXXX symptoms, I could not physically get to the post office so I used XXXX to send the mail for me. They said I could upload and I mentioned that it would not allow me to. They sent me to their help desk and they were still unable to fix it. They said that they would take my dispute over the phone but I let them know that I had supporting documentation that needed to be attached. I let them know that I would send the documents again and to put notes in my account that my disputes were not coming from a third party. On the XXXX, I received notice that one of my disputes to XXXX XXXX was already completed and my account had been undated. I checked and the update is incorrect as I have documentation that the account was not charged off. Experian claims that they do not have any other way of processing disputes, which leave consumers such as myself that are XXXX or XXXX  at a disadvantage.

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 2022-08-16
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2022 someone hacked into my coinbase wallet and stole BTC XXXX at approximate {$250000.00} XXXX etherium at approximately {$35000.00}. 

Coinbase sent me the following response and offered no assistance. Looking on the internet it appears this to be pretty common. They need to be shut down! 

" If you did not confirm any outgoing transactions from your Wallet, we regret to inform you that this means the funds and the seed phrase are now compromised. 

We are unable to provide specific details on how your Wallet was compromised. Cryptocurrency transactions are part of an external process, outside of the control of one entity. They can not be reversed once they are confirmed on the blockchain, therefore Coinbase can not recover the funds in these instances. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
Capital One Auto Finance is incorrectly reporting me as late from XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX to XX/XX/XXXX. I have sent documentation from my bank which clearly faults a third party for the issue but Capital One Auto Finance refuses to correct their reporting as required under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Wells Fargo Dealer Services in XXXX CA has reported incorrect late payment information on a vehicle my mother and I purchased. At the end of 2016 we refinanced the truck through our credit union XXXX. The same month the truck was paid off Wells Fargo said the payment was late. The credit union made the truck payoff before any late payment could even be assessed. I confirmed this with XXXX and with Wells but they have not responded to my inquires.

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 2022-03-22
Company: Experian Information Solutions Inc.
State: MA
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2016-05-13
Company: JPMORGAN CHASE & CO.
State: NC
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
I have a home mortgage with XXXX XXXX & got behind on payments. I was working with an XXXX XXXX & was told to send {$5000.00} & it would bring my account current. I sent the funds in the form of certified checks from my bank, XXXX XXXX XXXX, broke down into XXXX checks like I was instructed to & mailed where I was told. I sent XXXX overnight & have proof of delivery & copies of these checks. They were wrote out to XXXX but XXXX XXXX never received these funds & it was never credited to my account. Instead these checks show being deposited into " JP Morgan Chase Bank '' I have never had an account with Chase Bank. This was done XXXX 2014 & now this total with XXXX XXXX has accumulated to {$28000.00} due to getting further behind, lawyer fees, foreclosure fees, etc.. because we were trying to modify our payment & that did not happen when JP Morgan Chase Bank allowed whomever to deposit these checks into their account. I along with my bank ( XXXX XXXX XXXX ) have reached out to JP Morgan Chase Bank to return these funds, get information on who 's account these funds were deposited into and they have been very uncooperative. JP Morgan Chase Bank refuses to give me my money back & claim that the certified checks were XXXX party when they were not. The checks were made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not receive them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
It has just been confirmed through the XXXX that the consumers loan is contained in pool number XXXX which is contained in the Mortgage Backed Security with a XXXX number of XXXX was delivered to the XXXX on XXXX by JP Morgan. This is not what is being represented in a foreclosure court case involving the consumers. The Consumers were not disclosed the involvement of JP Morgan and do not have a contract with them. The Closing of XXXX XXXX, 2009 used a false Lender within the Note and Mortgage which invalids the alleged contracts in light of the new evidence. Consumer was also alerted to the fabrication of a second Note and Mortgage containing different signatures of the Consumers which has been verified through Forensic examination. The Servicer, XXXX has confirmed that the Note and Mortgage in their database is not the Note and Mortgage in the above referenced Court Case. The Servicer/Plaintiff is pleading that it is foreclosing for itself which is fraud upon the court. We request that JPMorgan submit copies of the Note and Mortgage delivered to the XXXX on XXXX and explain why they are not litigating the court case as there is an obvious cloud on consumers title as JPMorgan is not listed on the note or mortgage and is not in the chain of title yet has benefited by consumers loan documentation. These nondisclosures, fabricated notes and mortgages, and wrongful foreclosure are violations to the consumers on a grand scale.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Transactions which I believe to be fraudulent have been posted to my XXXX business checking account for the past several months. Although my XXXX representative was able to stop payment on future charges they claim they can do nothing about the prior fraudulent charges. Those charges originate from a JP Morgan Chase bank account. They are on behalf of a company called XXXX My bank was able to provide a JP Morgan originating account number of XXXX for those charges. Although I have made several attempts to contact JP Morgan about these activities I am NOT able to get past their automated phone tree so that I can talk so someone about trying to stop future fraudulent transactions and recover the money from past transactions.

Company response to consumer: Closed with explanation