BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: JPMORGAN CHASE & CO.
State: CA
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/2022, I found XXXX ATM transaction of {$100.00} and XXXX ATM transactions of {$200.00} for a total of {$900.00} unauthorized. 

The next day I called the Chase Claim department about those unauthorized transactions. A claim specialist asked me about the situation and I said that I went to a branch of chase withdrawing {$100.00} in cash, but later found another {$900.00} cash withdrawal immediately followed which I don't recognize. Then he asked me if I have my debit card and I said yes. 
He filed a claim and asked me to wait for the result. 

On the next day, an update mail was sent and they decided that transactions were authorized correctly and they will remove the temporary quick repay of {$900.00}. 
The claim department insisted that the XXXX transactions were made immediately after my withdrawal of {$100.00} in intervals of XXXX minute and I have my debit card. Since ATM needs a debit card to be in the reader during the session, it is not possible that someone else could do that. 

However, I scanned my debit card instead of inserting it into the ATM and I put it back wallet after ATM scanned my card. After the screen asks if I need a receipt, there should be another question asking if there is more business. I just walked away after selecting no receipt and that's the timing when those transactions were happening. 
I suspect a male next to me waiting in line who fastly approached the same ATM at that time was withdrawing my money and asked them to investigate XXXX at that time. Then they said that the claim has been closed and if I want to reopen I have to collect convincing documents showing that those withdrawals were not done by me. The specialist suggested me to cooperate with the branch and mail physical documents to them. 

I do not have a receipt at that time since I touched " No receipt '' and all the evidence I could ever have is a XXXX record. I went to the branch and the manager told me they don't have access to the XXXX. I called again to claim department but they said that only after I collect and submit enough evidence they can reopen. 

Now the only documents I have are the transaction records. I hope they can reopen my claim and investigate XXXX record and refund my stolen {$900.00} back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I recently opened a checking account at chase with a opening deposit of {$1500.00} XX/XX/XXXX for a promotional credit of {$300.00} after a direct deposit. I fullfilled the requirements and received the {$300.00} credit to my account. My checking ATM card stopped working the two weeks ago and I could not log into my account. 

When I called, I was notified that my checking account was closed on XX/XX/XXXX. No reason was offered for the account closure after speaking XXXX people at the XXXX number and at my local branch. They also notified me that they would only return {$1200.00} in my account and was revoking the promotional credit I had earned. As of XXXX weeks and XXXX days, my funds have not been returned to me and I did not even receive a formal notice of account closure. 
I believe Chase systematically closes acccounts and holds customers funds hostage for excessive amount of time with no reasons offered after a cursory XXXX search on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Experian Information Solutions Inc.
State: PA
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 company refuses to remove fraudulent information on my credit report I submitted my identity reports XXXX  XXXX XXXX removed the fraudulent charges except for Experian seems to have a problem with removing the information off my credit report I will also send over proof that the other two Credit bureaus remove those fraudulent accounts except for Experian.z

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 2022-01-22
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: Their investigation did not fix an error on your report

Complaint:
The Credit Bureaus ( XXXX, XXXX, EXPERIAN ) have deemed a company as verified by the name of XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my consumers report. I asked them to solidify their reasoning, which leads them to believe that a debt is owed by me to these companies or company. The credit Bureaus have lead me to believe that they conducted a improper and incomplete investigation into this. There are three different company names on each of the Credit Bureaus sites. Due to this incorrect information, it leads me to believe that they did a improper and incomplete investigation, without providing the original documentation requested.

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 2022-01-22
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:
The Credit Bureaus ( XXXX, EQUIFAX, XXXX ) have deemed a company as verified by the name of XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my consumers report. I asked them to solidify their reasoning, which leads them to believe that a debt is owed by me to these companies or company. The credit Bureaus have lead me to believe that they conducted a improper and incomplete investigation into this. There are three different company names on each of the Credit Bureaus sites. Due to this incorrect information, it leads me to believe that they did a improper and incomplete investigation, without providing the original documentation requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Payward Ventures Inc. dba Kraken
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Kraken site hacked and funds stolen with no recourse or support. 

On XX/XX/XXXX, I received an email from Kraken ( Crypto Exchange ) that someone was requesting to change my password. I hadnt logged in in months so I contacted them to say this wasnt me and over the next 3 weeks I had to send photos and other information proving who I was to regain access. On XX/XX/XXXX I was informed by Kraken Support that my account was now unlocked but trading and funding was still locked out until I deleted any withdrawal addresses I didn't recognize. 

Upon completing all the direction, I found that the address they asked me to delete was the address that all my crypto had been sent to which I had still not been informed of at that point. When I asked about my funds before then, I was repeatedly told my account would be locked until i deleted all the addresses I didnt recognize, now I realise I was being asked to delete evidence. I took screenshots before deleting and will attach to this report. Once this was complete the Kraken support staff said they could not do anything further and there was nothing that could be done by anyone to find the money. I asked them to send me the I.P. login info and that took another month for Kraken to final provide. It turns out 4 withdrawal were completed on my Kraken account in 2 mins so it was clearly the target. 

If there is nothing that can be done fine, but Kraken were hacked not me and then were very difficult afterwards, so I want at minimum this posted for others to be warned. The staff avoid responding, I dealt with several ppl throughout the process as the cases would just get marked as solved on their end just by them sending a response to my question. I hadnt checked it in months but I dont think I had a lot of money in there but others do and should be careful of Kraken.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Experian Information Solutions 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:
The inaccurate account " XXXX '', account number is XXXX was removed from my credit profile on XX/XX/XXXX and re-inserted on XX/XX/2022. This illegal and against the FCRA guidelines. I will be suing and collecting reparations if " XXXX is not removed from my credit profile. This is an unethical practice. The credit bureau and I both know this is grounds for a law suit.

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 2019-12-31
Company: EQUIFAX, INC.
State: PA
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:
Someone tried to apply for a XXXX pay later account in my name disputed it but wont give me no information says to contact XXXX number but doesnt connect to anyone and when I did talk to someone asked me questions that didnt apply to me I answered correctly but told me I didn't wouldnt give me any information, and score dropped substantially for no reason at all I have been working on fixing my credit and my score is dropping from this person and credit bureau nothing has changed on my credit for it to drop for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This complaint is against Equifax I have contact Equifax on a number of occasions of an abnormality with my credit report. It appears that XXXX different credit profiles switch back and fourth. XXXX profile showing none of my active accounts and the other showing all my accounts. 
I spoke with an FCRA attorney, the term is called " split '' profile. Meaning, I will see XXXX credit report, creditors will see another ( or in my case XXXX ). For a number a months I have disputed this requesting Equifax to fix this - however, I will get the same automated response by them sending me a new report with no new information updated or stating that the information I am disputing are not reflecting on my credit report. 
I have attached the XXXX credit reports that reflect what I am speaking of. 

This irregularity has caused me not to be granted credit - not able to see what is going on with my credit report and dispute its inaccurate information. 
There are a number of inquiries on my credit report that I did not authorized - I have already contacted each credit granting company on my report with no resolution - and I keep getting denied by Equifax and not showing proof that I authorized those inquiries. 

I would like to add, according to the FCRA attorney these mistakes that Equifax has caused me calls for compensation for my time and effort and violations that they have caused for not fully reporting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C.1681 Section 602a states that I have a right to privacy. 

15 U.S.C.1681 Section 604a Section 2 states a consumer reporting agency can not furnish any account information without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Caliber Home Loans engaged in the prohibited practice of " Dual tracking '' after becoming the servicer of the loan and knowingly violated loss mitigation procedures pursuant to XXXX.

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

Complaint:
I NOTICE XXXX INCORRECT THING ON MY CREDIT REPORT... 
I NOTICED THAT I HAVE A XXXX STUDENT LOANS ON MY ACCOUNT... I NEVER ATTENDED COLLEGE, I DONT KNOW WHO USED MY INFORMATION TO GET THESE LOANS... 

I ALSO NOTICE A COLLETION ON MY ACCOUNT FROM PROGRESSIVE, I NEVER USED XXXX, HOW DID THIS GET ON MY CREDIT REPORT ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I NOTICE THREE INCORRECT THING ON MY CREDIT REPORT...

I NOTICED THAT I HAVE A 2 STUDENT LOANS ON MY ACCOUNT... I NEVER ATTENDED COLLEGE, I DONT KNOW WHO USED MY INFORMATION TO GET THESE LOANS... 

I ALSO NOTICE A COLLETION ON MY ACCOUNT FROM XXXX, I NEVER USED XXXX, HOW DID THIS GET ON 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 non-monetary relief
Consumer complaint received 2015-12-18
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX/XXXX/2015 tryed to work with Ocwen for Loan Modification got nowhere. Wrote to Senator XXXX XXXX detailing my issues. His office contacted Ocwen. I received a letter from Ocwen stating my would be completed by XX/XX/2015. Nothing happened. Received another letter stating my case would be done by XX/XX/2015 nothing happened again. Been getting the runaround ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My credit report is showing a vague public record owing {$920.00}. This information is inaccurate and the information does not belong to me. I have tried to dispute the information in the past including obtaining a police report for identity theft and and the information is still showing on Equifax report however no other bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My complaint is in regards to inaccurate information in my credit report. I am a victim of medical identity theft. Someone have obtained medical services using my name. The health record that XXXX maintains about me is include information that is wrong and actually about someone else. I have contacted XXXX and they have removed that information. I am working to identify the effects of the medical identity theft and remove inaccurate information from my file. I have reported the problem to the police, filed an ftc identity theft report and mailed copies of my ID and SSN to Equifax fraud dept. When i tried to get in touch with someone over the phone about my problem, I was only convinced to buy a monitoring product that will resolve my problem. Equifax recently updated the account as verified. After receiving and reviewing the results of recent disputes sent to you. 

I have contacted XXXX again and they do not have record of any debt.So i am not sure what method Equifax is using to validate the debt. It seem they just want to give me the run around. I have file a police report and FTC identity theft report and did n't have any issue removing it from other credit bureau. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-27
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my home XX/XX/2016. Prior to refinance, my routine was submission of payments bimonthly and routinely paid more than monthly payment. After refinance, I maintained my routine. I noticed immediately after refinance that the additional payments sent were being placed in an account labeled unclaimed funds. Immediately when I notice this, I called and demanded why the additional payments were not being applied to principal and was told it would be fixed. It continued. I called again requesting why the additional money being sent was being held and was reassured again it would be fixes. It continued in total for 8 months. I have written multiple times, my emails go answered. I call customer service and I am told different things each time I call. Due to the prolonged time of resolving the issue and the inconsistency of things being told o me by customer service, I contacted XXXX and the federal housing inspector general. I have now had my capability of writing emails on their intranet disabled, I have been told that someone will follow up with me and they have not and now my end of year statement is incorrect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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 sent a letter on XX/XX/2022 to remove XXXX XXXX XXXX Balance : {$7200.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX  XXXX Balance : {$0.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again.,

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 2020-06-19
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
There was no indication on credit report that this debt existed. There was no letter from collector or original lender to suggest this debt existed. 
15 years after the last payment was garnished from paycheck and the amount climbed in interest charges. 
Balance paid with slightly reduced settlement but still exceeded the interest charges. THERE WAS NO COMMUNICATION FROM THE LENDER

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 2022-01-22
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/XXXX, I sent a dispute to Experian ( File # XXXX ) about the following account : XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1700.00} ) On XX/XX/XXXX, I sent a dispute to XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$480.00} ) XXXX ( Date Opened : XX/XX/XXXX, Balance : {$180.00} ) XXXX ( Date Opened : XX/XX/XXXX, Balance : {$220.00} ). It's been over 45 days since i sent this dispute and they have not answer as they are required by the FCRA.

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 2019-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$120.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$120.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account.

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