BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-28
Company: Westlake Services, LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Collection practices are unethical. Collection agency does not care about the client 's needs. I have tried countless times for Westlake Financial Services to Rectify my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a a unverified account from  PORFOLIO RECOVERY ASSOCIATES  #  XXXX  .I ha d previously disputed this account. I have never done business wit h PORFOLIO RECOVERY ASSOCIATES.    Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g, I dispute the validity of the debt purport Iowe. I request that PORFOLIO RECOVERY ASSOCIATES Provide verification of the following : 1. ) The original Application or contractany signatured documents  legally binding   XXXX   XXXX   to do business with said company.   2. ) Any and all statements allegedly related to this debt  3. ) P roof of Claim and Full   Contract Agreement with Original Creditor.
4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. )   An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PORFOLIO RECOVERY ASSOCIATES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have disputed the balance with Transunion and   XXXX   XXXX   several times. My balance for a vehicle that was included in bankruptcy is still showing as  XXXX . My balance should be {$0.00} due to discharge of a bankruptcy where the the balance of this vehicle was included. I am requesting them to update this amount to {$0.00} immediately it is affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Mortgage company ( XXXX ) is not reporting our mortgage on any of our credit reports. This is due to a bankruptcy that happened in XX/XX/XXXX tha they say was not reaffirmed. We have refinanced with them twice since the bankruptcy but they still wo n't report our mortgage on our credit. This has made our credit score really bad,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
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: Old information reappears or never goes away

Complaint:
XXXX ,   XXXX   XXXX  , &   XXXX   XXXX   XXXX  , all nasty companies were warned and advised to cease and desist all collection efforts pertaining to this account that they have begin reporting on my credit file. I am a victim of identity theft, my mother   XXXX   XXXX   and a number of other individuals whom she and my step father sold my personal information to opened this account in my name. This company has no signatures from myself signing this lease, and also has been told even if the docuets were true, the amount according to what they stated were incorrect, and the company or creditor that this company is collecting for committed identity theft on numerous occasions, even after I notified them that I was a victim of identity theft. This company tried to create a false billing statement in my name and attempted to file it in court. Attached is my Federal Affidavit of identity theft and this company is named as well. I requested this company discontinue trying to collect on this debt as it is a result of identity theft. They have none of my signatures verifying or validating a legal contract, and the amount is also extremely questionable. I was even told to sue when this company refused to stop trying to commit identity theft in my name. I have taken this information to the police and also the FBI at which time the company ceased for a while and nothing was heard from them. They then reappeared by placing the account in a collection agency at which time, I notifyed that company of the identity theft and that my mother committed it against me. I sent them the same federal affidavits that you have on file, and they sent a generic lease agreement with electronic signatures as opposed to my actual signature. So they conducted the identity theft via computer. My mother should have never placed my name on this lease. It is   XXXX   XXXX    's debt and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hi 1.Working wiht chase back from XXXX from XXXX to XXXX Naver have any late and all ok the first lan i have wiht them - XXXX XXXX/XXXX/XXXX to XXXX/XXXX/XXXX on XXXX XXXX the add a escord accound to my load wiht outlet me know and loan amount change and a ad on opsino to pay it online i call them to fix thesee the fix and i can go onile to pay new i try and it not working so i send them chcek fot the pay met for XXXX on XXXX and XXXX on XXXX the XXXX mail back to me bace on the address the have on file i incorect and strat send letter like crazze the my address is in corect and i didnot get it if my address is incorect who to i get the latter from the i see they is no one to talk over the so i ask them to get the pay off amount to pay all the ballance in full befor the end on the yr and cloce the acound thay agry to send my the pay off XXXX XXXX remove the 60 day late fee from my credit report .i never get any ting from the and now i have 30 late on credit report from XXXX AND XXXX on XXXX & XXXX i call them to to fine out they see my addraasss cnage and thay sold my mogrege to new copany. i contact the new compay to all in full, SO now they only probelm I have wiht them is to remove all my late charge from my report and close XXXX thay never remove any late free and never cloce the accoud aftre the get ALL the XXXX. i need help ... 
DISPUTE GUIDE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: JPMORGAN CHASE & CO.
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
My home were scammed from me by XXXX XXXX an XXXX and realator XXXX XXXX XXXX now known as XXXX. They both came to my home XX/XX/XXXX and produced a quit claim deed XX/XX/XXXX and a covenant deed XX/XX/XXXX pressing me to move out called the police. XXXX XXXX said she represented wells fargo and XXXX. XXXX XXXX said he bought the property for XXXX he and his daughter XXXX. Did wells play any role in this transaction. XXXX in XXXX have stated they were not involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: WELLS FARGO & COMPANY
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent an International Wire Transfer on XX/XX/2021 to my uncle, still they have not received the funds. I sent amount of {$120000.00}, this is a very big amount for me. 

I am XXXX and it is difficult for me to do this big amount wire transfer online, so I went to Wells Fargo Bank located in XXXX New Mexico. Banker put wrong information initially and we were told that they have rectified this matter but it has been more than two weeks and no sign of funds. 

I have visited the same branch to trace or track where my money is, as my uncle has not received these funds. XXXX tried to contact their XXXX customer support but always they would give a Case Number and told us that they will put this case on high priority but I have not received any progress and my uncle has not received these funds. It looks like to me that Wells Fargo Bank has duped me of {$120000.00}. No one is willing to help. I have been calling Wells Fargo Bank 's XXXX customer service numbers but they keep transferring me to another department, been on the phone for XXXX XXXX  at least XXXX days but no one is willing to resolve this matter. 

WELLS FARGO BANK STOLE MONEY FROM ME. I can not use this funds and my uncle ( recipient ) can not use these funds.

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 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Have repeatedly disputed accounts that dont belong to me or involved fraud charges. Credit Bureau fails to remove account encouraging defamation of character and causing financial hardship

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 2016-09-07
Company: Netspend Corporation
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
My account was used to make purchases I did not authorize. When I noticed these transaction the same day they were made I reported to Netspend XXXX/XXXX/16. On XXXX/XXXX/2016 I received an email that the dispute was started and gave me a dispute number. There were XXXX transactions totaling around {$700.00}. I get XXXX and that is my only income and I have no money to survive. Netspend is refusing to credit my money back pending the investigation and told me I have to wait till XXXX/XXXX/2016 to find out the results. I had possession of my card the whole time and I dont know how this happened. But the charges were for uninversal studios in XXXX and XXXX XXXX!! Some of the transactions have cleared but some are still pending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Company has not validated debt at my request but still reports the debt to the XXXX major credit reporting companies. This violates 809 ( b ) of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have student loans and they were defaulted because of a car wreck I was in. My family and I were hit by a drunk driver, resulting in a death of a family member.     Upon getting my life back together, I completed the rehabilitation program and paid  9  consecutive payments on time for 9 months. As a result, these loans are suppose to be reported on my credit as back in good standing and remove the negative marks. There are   XXXX  l oans that have yet to be cleared from my credit as promised. And these are reported by different servicing agencies because they sell them and pass them around so it looks like there are more loans than there actually is and my negative accounts number are 3 times as many I have called for months and never able to get answers or someone to help me. I will do whatever it takes to get this done. I have completed the program and this business did not do as they stated. it is a scam.     I will be consulting an attorney and reaching out to media outlets if this is not fixed..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Previously deleted accounts continue to be furnished on new reports without new or accurate information. Should be permanently removed per FCRA requirements. 

Accounts closed and deleted as a result of COVID 19 Natural Disaster reappearing on report. 

Continue to report inaccurate account balance after statement was provided. 

Anything thats been disputed in last two years had made its rounds of reappearing with no new relevant info. Credit score has been a roller coaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: JPMORGAN CHASE & CO.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was unable to make payments on my {$16000.00} private loan through Chase for several months. They are refusing to allow me an affordable payment plan. I am now in a financial position to make meager payments but because my loan is in default, they are demanding full payment or " deal with the consequences ''. They will not inform me of such consequences, refuse to set up a payment plan, and are threatening to go after my consigner. I am petrified of the repercussions I could face as a result of a private loan default.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: United Student Aid (USA) Funds
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have student loans and they were defaulted because of a   XXXX   XXXX   I was in. My family and I were   XXXX   XXXX   XXXX   XXXX   XXXX  , resulting in a   XXXX   of a family member.     Upon getting my life back together, I completed the rehabilitation program and paid 9 consecutive payments on time for 9 months. As a result, these loans are suppose to be reported on my credit as back in good standing and remove the negative marks. There are  XXXX  loans that have yet to be cleared from my credit as promised. And these are reported by different servicing agencies because they sell them and pass them around so it looks like there are more loans than there actually is and my negative accounts number are 3 times as many I have called for months and never able to get answers or someone to help me. I will do whatever it takes to get this done. I have completed the program and this business did not do as they stated. it is a scam.     I will be consulting an attorney and reaching out to media outlets if this is not fixed..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
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:
There are accounts listed on my credit profile that have inaccurate information listed as well as unverified information. I sent Transunion a follow up to my initial dispute requesting that the company provide me with the method in which they verified the inaccurate information on my credit profile. My request was received and the end result was yet another investigation and no information on how the data on my credit profile was verified.

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 2015-09-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have been using Chase Freedom credit card since XX/XX/XXXX. However, my transaction on existing magnetic tape card ( without the chip ) was declined XX/XX/XXXX and was given the reason that I needed to use the chip enabled card which i have n't received from Chase neither have I received any communication for the closure of existing card. 

There are two points which I would like to highlight:1 ) When i called the chase customer service XX/XX/XXXX, I was told that I activated the new chip enabled card XX/XX/XXXX. However, i have not done that and which was later acknowledged by another customer service representative. I asked to formally lodge a complaint against why i was provided wrong information which was declined and was told a letter will be sent to me stating my existing card has been XXXX and I would not be able to make transaction when i use the new chip enabled card2 ) Until and unless I receive the new chip enabled card, how am I suppose to use the new card which should have been verified by Chase before declining transactions on my existing card? 

I was embarrassed today morning when i tried using my existing card which got declined and could not shop as i just had Chase Freedom card with me. 

I do understand the enhanced security function of chip enabled card but the customer be notified and consumer should have verified the receipt of the new before implicitly declining transactions. 

I would urge CFPB to look into it and take appropriate action against banks to implement the new chip technology in proper method where the consumer does n't suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Ca  XXXX  A lliance One  Rec Mgmt  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  , WA  XXXX   RE : A cct #  XXXX    XXXX   XXXX   XXXX   To whom it  may conc ern : I would like to dispute  XXXX  accounts being held in collections with  Alliance One Receivables.    The following accounts were settled in  XXXX  and are related to each other. In  XXXX , I was pulled over in   XXXX   XXXX  , CA for an expired registration and found I was driving on a suspended license. Clerk o f Court  of  XXXX   XXXX , Fl. had received notice from North Carolina, that I owed a {$50.00} late fee on a speeding violation that I was late in paying in  XXXX . In   XXXX  , North Carolina and Florida both joined th e DMV n ational registry and ordered the suspension of my California drivers license which Id had since  XXXX . My car was impounded. I had to pay {$50.00} to North Carolina and pay any and all fines associated with my drivers license in order to get my license and registration reinstated. It cost me roughly {$1200.00} in  one da y between  XXXX ,  XXXX   XXXX , and  XXXX   XXXX   XXXX  to clear my driving record, reinstate my license, and renew my registration in order to get my car out of the impound in  XXXX   XXXX . All settled and resolved in  XXXX .   In   XXXX  , I was involved in another incident and as a result had my license suspended once again. I received multiple citations that I paid to  XXXX   Superior Court  and to  DMV in order to restore my driving privilege. It was a 9 month process paying off all outstanding court fees and it again it was settled. Yet, Alliance One claims that  I have still have outstanding traffic fees still in collections dating back to   XXXX   and   XXXX  . Please note that Citation :  XXXX  is from  XXXX , besides the fact that I had a bankruptcy that was discharged in  XXXX  and having zeroed out the balance with   XXXX   XXXX    Superior Court and DMV at least  twice since  XXXX .   I am disputing the following accounts currently in collections with  Alliance One  and ask that they be removed as they were both settled in  XXXX .    Alliance One  Acct #  XXXX  Docket Number :  XXXX  violation date  XX/XX/XXXX  XXXX   XXXX   XXXX  {$910.00} Citation :  XXXX   XXXX   XXXX   Clerk of Court  {$160.00}.     Thank you,   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX  - originally I got the mortgage XXXX XXXX and within 30 days they changed my company and within 60 days they reported to credit bureau I was late. I sent the payment to my first company, thinking they were gon na be holding my mortgage. I conitnue to make the payments to XXXX after I moved into the house and my credit score had dropped. I then found out they had reported me late and charged me late fees for everypayment after that. I disputed with the company and they told me to dispute it with the credit bureau and that they did not have it on their records that I was late. It is showing on my credit report that they did report me late. 
I already made a report the cfpb and XXXX reported that it was fixed in XX/XX/XXXX in their response. However as of XX/XX/XXXX it is still reflecting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Payoff process

Complaint:
Freedom chase credit card did not let me to pay the balance from the same bank account with XXXX separate payments on the same date which led to inconvenience for me as I used other bank account which was not intended for that purpose. There is nothing on the disclosure form that can support the denial of several payments from the same account to pay the balance.

Company response to consumer: Closed with explanation