BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I was frauded of {$10000.00} from people claiming to be representatives of Chase Bank. They claimed that other users took money out of my account and I had to send XXXX the amount in order to reverse the payment of {$5000.00} ( the amount that was claimed to be stolen ). I had to do this twice since the first one didnt go through, using their third-party app XXXX. 

XX/XX/XXXX XXXX pm : I called Chase customer service and was told that there was nothing that could be done, as XXXX is a third-party app and that I was the one who made the transaction. They told me to try to ask the fraudulent party for the money back politely. 

XX/XX/XXXX XXXX pm : Called back, was told that there was nothing that can be done. Argued that other people have been scammed with the same exact method. Escalated to fraud team callers supervisor, who gave in to a 10-business day recovery check as a courtesy After further investigation I noticed the exact same scenario had been performed as recently as last year with Chase and XXXX. The victim was reimbursed, while Chase is saying that I can not. 

XX/XX/XXXX XXXX : Went to Chase Bank in XXXX XXXX XXXX XXXX to get help. Spoke with XXXX XXXX and assistant manager XXXX XXXX, who checked the claims online and told me to wait until a decision has been made. 

XX/XX/XXXX XXXX : I filed a police report at the XXXX precinct. 

XX/XX/XXXX XXXX : Claim inquiry was disregarded ; moved onto the investigation. 

XX/XX/XXXX XXXX : return to Chase Bank in XXXX XXXX XXXX XXXX before it opens at XXXX. I wait almost an hour and a half. 

XX/XX/XXXX XXXX : Speak with Chase banker XXXX XXXX XXXX who dials the Claims department. 

XX/XX/XXXX XXXX : Speak with XXXX XXXX who tells me that decision will be made between XXXX of XXXX. Transfers me to his supervisor, XXXX, who lets XXXX fax over written documents and police report to the department. 

XX/XX/XXXX XXXX : Speak with XXXX on the phone. Tells me on the line that the fax was successful but was updated today that the decision was rejected that day because it was technically an " authorized transfer and Chase has no responsibility '', even though others have received their money back from the same fraud. 

XX/XX/XXXX XXXX : Transferred to supervisor XXXX XXXX of the Claims department, who tells me there's nothing Chase can do. 

XX/XX/XXXX XXXX : XXXX transfers me to XXXX of the global recovery line, who tells me to go back to the Claims department.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: General Motors Financial Company, Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
GM Financial repossessed my mother 's XXXX when there were only XXXX payments left AND my mother was in the hospital & I did n't know her financial status. It cost her XXXX ( with XXXX payday loan advances ) to retrieve the car. She is on XXXX AND she is XXXX AND XXXX. The repossession company ( XXXX ) lost the spare tire. Because of the high interest rate, the excessive fees and the repossession costs, we believe that the loan has been paid in full. Additionally, GM Financial made it extremely difficult to pay. Our bank could not transfer funds, GM Financial would not electronically debit the funds and instead forced my XXXX mother to go to the bank, then to XXXX and use XXXX XXXX. I believe that this is elder financial abuse in that GM Financial took the car when the equity was nearly complete thereby nearly XXXX their income from the loan if it were remarketed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been submitting multiple written appeals to Transunion regarding the fraudulent information being reported on my file. The last letter I sent to the Credit Bureaus was XX/XX/2022 with complete attachments of my personal information. This Complaint is being submitted through the CFPB to inform the Credit Bureaus that I am a victim of identity theft and the accounts I am disputing do not relate to any transaction that I have made or authorized neither did I received any benefits as a result of the theft of my Identity. This Complaint is to follow up my Previous Complaints last XX/XX/2022. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below are the result of such crime and must be deleted immediately : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-01-22
Company: EQUIFAX, INC.
State: LA
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:
RE : US BANKRUTCY- XXXX To whom it may concern, I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me with the enclosed letter claiming that the bankruptcy was verified by XXXX XXXX XXXX XXXX  XXXX XXXX 
Appalled by that information, I went directly to ( XXXX XXXX XXXX  XXXX ) and in response to my inquiry they claim to have never verified this item with you. This would mean this bankruptcy is by law considered UNVERIFIED. 
I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 
I have enclosed letters FROM BOTH XXXX XXXX XXXX for your inspection. Please DELETE this item from my credit report as it is NOT verified! 
The XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 
Please send me an updated copy of my report once the bankruptcy is DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: EQUIFAX, INC.
State: TN
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:
The XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX  XXXX, XXXX, XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, Dept of ED/XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX reported to the Equifax that I applied for credit I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my Consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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.It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : WELLS FARGO HM MORGAGE 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 2022-07-26
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: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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.It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX 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 2016-09-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This is documentation that i have compiled since i began disputing inaccurate reporting and items on my credit. It began XX/XX/2016 and have not been resolved. Since then in a mater of days my credit score has dropped over XXXX points with no use or change in my credit. There has been a serious error made here. I have called I have mailed in paperwork and every time i do, i 'm asked to wait anther 30 days. I do n't have anther 30 days from never to get this resolved. I 've included my police report, original mailed in documents and the responses from all XXXX credit bureaus. This has prompted me to file a formal complaint with the consumer financial protection bureau as well. One might think you would err on the side of caution before destroying ones life. I have lost a lot because of this error which is also included in my documentation i 'm asking you to cease and desist any further negative retaliation on my credit. Please address the items that listed for correction in my paperwork.

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 2022-01-22
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian tried to get me to " upgrade '' to a paid account in order to " lock '' my credit, a service offered free of charge by XXXX and XXXX. In the fine print I discovered that I can FREEZE my credit without charge. Experian consistently makes it very difficult to freeze and unfreeze credit, forcing people to fill out long forms. Compared to XXXX and XXXX, it is a nightmare. I believe they are taking unfair advantage of possessing my confidential information and are using questionable business practices in order to make a profit off this information.

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 2018-09-21
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
This is the third time my legitimate funds trasfer to my Company has been siezed by a XXXX XXXX claiming I am involved in Money Laundering. I am a small business and this is seriously affecting my ability to survive financially, The Remmiter of Funds is XXXX XXXX XXXX to my Company XXXX XXXX XXXX XXXX a Legitamite Registered XXXX Comany. My Company is retained as a Consultant to the XXXX Company. The Bank this time is Citibank New York Transaction Ref XXXX in the amount of US {$5000.00}. I believe I am being Harrased and victimised by the US Banking System. It is now 2 weeks and the funds are still not released.

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 2020-09-08
Company: Westcreek Financial
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: EQUIFAX, INC.
State: HI
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 a paid tax lien showing on equifax. Date of filing is over 7 years ago No DOB or SSN on the records. I have disputed twice with equifax to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Square Inc
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to send money to another person

Complaint:
MY CASHAPP ACCOUNT IS COMPLETELY FROZEN AND I CANNOT GET MY MONEY OFF MY ACCOUNT. IT IS $XXXX  AND IT IS THE LAST OF MY MONEY TO FEED MY KID. I NEED TO FEED MY SON PLEASE HELP ME. MY CASHTAG IS $XXXX, MY NAME IS XXXX XXXX, MY EMAIL IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 bothered by the negligence of the Credit Bureaus with regards to the items I am disputing. I have been sending multiple letters to the Credit Bureaus to request the complete removal of the fraudulent information being reported on my Credit File. The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my Driver 's license, Proof of Addresses and the ID THEFT REPORT I received from the FTC. I have read that the Credit Bureaus are required to remove any accounts and information that the consumer identifies as an item resulting due to identity theft. As stated on the letter I sent, the Credit Bureaus are required to remove the items I am disputing within 4 business days after the date of receipt. The inquiries and addresses being reported on my Credit File are fraudulent since I never remember authorizing anyone regarding these inquiries. I am submitting this complaint to protect and execute my rights, which is clearly being violated by the Credit Bureaus, under the FCRA section 605b. Please remove the following items COMPLETELY FROM MY CREDIT FILE : 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 Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/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 2017-05-22
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
As stated in  Wells Fargo   XXXX   XXXX ,  2017 letter : SEE ATTACHED LETTER " Subject : Stolen bank transactions with your name and ac count number We want to let you know  Wells Fargo  Bank transactions were stolen on  XXXX   XXXX ,  2017  from  XXXX   XXXX , Florida while in transit to our service center. The transactions included check  ( s  ) issued by you .... '' I might add that my check also included my home address. Except for putting the onus on me to prevent identity theft or other fraud,  Wells Fargo offered no assistance. I find this stunning and irr esponsible!     I tried to discuss this matter with  XXXX , a customer service supervisor, who refused to provide his last name and hung up on me when I asked why he would not provide it. This rudeness obviously exemplifies the  Wells Fargo  culture and pure lack of concern and care for customers!     I look forward to hearing from you. Thank you.

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 2022-07-26
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : 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 2022-07-26
Company: EQUIFAX, INC.
State: MO
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 bothered by the negligence of the Credit Bureaus with regards to the items I am disputing. I have been sending multiple letters to the Credit Bureaus to request the complete removal of the fraudulent information being reported on my Credit File. The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my Driver 's license, Proof of Addresses and the ID THEFT REPORT I received from the FTC. I have read that the Credit Bureaus are required to remove any accounts and information that the consumer identifies as an item resulting due to identity theft. As stated on the letter I sent, the Credit Bureaus are required to remove the items I am disputing within 4 business days after the date of receipt. The inquiries and addresses being reported on my Credit File are fraudulent since I never remember authorizing anyone regarding these inquiries. I am submitting this complaint to protect and execute my rights, which is clearly being violated by the Credit Bureaus, under the FCRA section 605b. Please remove the following items COMPLETELY FROM MY CREDIT FILE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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: Information belongs to someone else

Complaint:
I send this complaint to inform your department that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. 
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. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.

Company response to consumer: Closed with explanation