BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing because I noticed that my report is reflecting late payments on two accounts. These items are because one account is paid in full and the other account is in good standing.

Chase : # XXXX  Chase Auto : # XXXX  I am requesting that the item be deleted to correct the information. Enclosed are copies of payment records supporting my position. Please reinvestigate these matter ( s ) and correct the disputed item ( s ) as soon as possible.

In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete the item. Additionally, I respectfully request that you forward to me an updated description of the procedure used to determine the accuracy and completeness of your removal as required by the Fair Credit Reporting Act and confirmation that this information will not be re-inserted. I thank you for your consideration and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions 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 am sending a request again from your good company to remove the accounts that are being disputed. It is in the law that unverified accounts should be removed, yet the accounts are still reported. I sent a dispute last XXXX. Please check the attached and I also included my letter to be sent today. I hope you could help me with this because I am getting more frustrated with how the bureaus are responding to my request. 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 non-monetary relief
Consumer complaint received 2022-02-18
Company: CAINE & WEINER COMPANY, INC.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company never sent notification to dispute debt and has been unable to verify debt. This is in violation of the Fair Credit Reporting Act and has caused substantial damage as a result of the illegal reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I graduated college in XXXX and knew I would be out of the country for the next 7 years. I called my student loan servicer ( Great Lakes ) and asked what my best option for the next 7 years would be seeing as I would have no job and I would be unable to communicate. I was told my best option was forbearance ; that is what I did. During the 7 years they had communicated with my mother ( who I gave power of attorney to ) and my loan has been going to forbearance and out of forbearance and the back to for forbearance ; at which time my interest would capitalize and be added to my principal. Finally, in XXXX I was put on IDR, which is what I should have been on this whole time. Unfortunately, my capitalized interest currently is close to {$11000.00} and my loan which initially was {$31000.00} is {$45000.00}. I understand that I have a huge responsibility to take on this, I was XXXX XXXX XXXX and I just went with what the loan advisor told me was best option instead of what I am doing now, which is research everything and finding out what is actually best ; but there is a level of frustration that comes with knowing that they were easily willing to capitalize my interest without letting me know that it was not my best option. They state that they let my mom know about IDR and I cant say one way or the other about that but I specifically called and asked what is my best option here and to suggest forbearance knowing I would be unemployed for XXXX  years XXXX dont know if I have the right words for that. I know I cant go back and change anything but I honestly dont want this to happen to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Someone was able to access my online banking from an XXXX ( I have an XXXX ) from XXXX XXXX ( I live in XXXX  ) and sent XXXX XXXX payments ( {$150.00}, {$250.00} ). Then proceeded to file claims on transactions I had legitimately done to have funds reversed putting {$160.00} back in my account and then sent a XXXX XXXX ( {$150.00} ). They were all sent to a " XXXX '' which I do not know a " XXXX ''. I have never used XXXX before either. I proceeded to contact my bank, Chase, and processed the necessary claims and had to change my passwords, usernames, put extra security on my account and enroll in ID theft protection. Chase proceeded to give me provisional credit for {$400.00} of the {$550.00} while they did the investigation. Chase then took the {$160.00} back out of my account the next day. A week later I got a letter stating that they had conducted the investigation and found that the charges were legitimate and authorized so they would be taking the {$400.00} back within XXXX business days. I contacted Chase and asked for an explanation and was told a fingerprint was used to make XXXX payments. I assured them that it was not me, I do not know a " XXXX '' nor have I ever used XXXX. Chase told me that I could reach out to the person the XXXX was sent to to request refund. I then was very frustrated and wondering how on earth I could reach out to someone I did not know who they were. Last I checked, you have to have a phone number or email address to send a XXXX, if I didn't send these payments, how would I have this information?? I proceeded to go onto my chase app and look into my XXXX  feature. I was never enrolled, and it asked me to enroll, so I took screenshots of that page and the enrollment confirmation. I then saw my most recent recipients/transactions ( people had sent me XXXX, but I have never sent via XXXX  ) and guess what, there was no " XXXX '' listed. I screen showed this as well and sent in all my evidence to Chase hoping this would help get my money back. I am a single mother of XXXX XXXX  who has also been a customer of Chase for over XXXX years. I have been loyal to them and I get treated like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-14
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: Investigation took more than 30 days

Complaint:
I filed a dispute with Equifax on XX/XX/XXXX on this account letting them know I have no knowledge and requested a full validation under FCRA Law and requested information on the company right to collect under fair credit and billing act. I have not heard back from Equifax. I have also filed a complaint with CFPB and no action was done. Please provide the requested information or otherwise delete the account. I am also looking into filing a complaint to the FTC and DOJ. The Equifax report is not accurate as its missing names. 

disputed accounts 1. ( missing account name ) Original creditor : {$74.00} Account number XXXX 2. XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  {$240.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I applied for this remote job on XXXX as a Personal Assistant to the XXXX XXXX XXXX XXXX XXXX XXXX. I received an email stating that I was qualified and chosen for the position. Since it was a remote position, i had several email interviews. On XXXX XX/XX/2022, the CEO ( XXXX XXXX ) hired me and told me that i will receive work instructions through text messages. 

First he texted me and told me to go to XXXX and buy a pack of business checks, then he emailed me a XXXX  check to print and deposit in my bank account as my salary and funds to set up my IT interface for work. The same day I deposited the check of XXXX XXXX my WellsFargo Savings Account XXXX {$400.00} was immediately available. He instructed me to go to XXXX and buy XXXX gift cards and load them both with {$200.00} each and send photos of them to him with the receipts. I thought it was apart of the work and since the bank cleared the funds, I thought it was legitimate. 

The next day XX/XX/2022, the remaining balance of the check was cleared in my bank account. He had me wired {$2800.00} to the company 's lawyer bank account in XXXX XXXX 
Lawyer Banking details : Name : XXXX XXXX Bank : XXXX Account No. XXXX XXXX XXXX. XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my bank account went into overdraft because, the check was deem fictitious and my bank returned it. Funds were pulled from my savings account to compensate for the moneys I used, since the check was fraudulent and returned. Needless to say, my bank charged me for the check returned. 
I reported it to my banks customer service center last night, when I received an email saying that my savings balance is below {$0.00}. 

I have text messages and emails for proof.

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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX U S DEPT OFEDXXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX  Inquired on XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2017-09-07
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX, XXXX my son, XXXX XXXX XXXX used my JP Morgan Chase debit card to put his share of the rent, utilities, cable, telephone, and insurance for XXXX into my account through the ATM. We do things this way because I am XXXX XXXX XXXX and it is very hard on me to get dressed, go to XXXX to get his monies, then go to Chase and make a deposit into my account. This rule against others putting money into your account is very hard for those of us who are older, in bad health, and have XXXX issues! Anyway he got distracted by this woman ( My son is on Social Security XXXX due to XXXX problems, XXXX jobs since he was XXXX XXXX XXXX. ) and did n't come home as he usually does. This woman, XXXX XXXX XXXX got my Chase debit card from him and used it to take {$420.00} out of my checking account. Chase at first put the money back, then took it out again because their policy is that any chiped card transaction is the fault of the card holder and they will not do any investigations period. 
I never met this woman and I certainly never gave her permission to access my monies. Nethier did my son. This bank is treating me like I am a criminal, not a victim. 

JP Morgan Chase Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Routing Number : XXXX Account Number : XXXX If you can help me get my money back I would be very grateful. This is causing me much emotional distress. I do n't have much of anything anymore and I am in costant pain. 

Thank you. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
State: NC
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 asked the company to send me the proof of the verification of these accounts how the were verified and the kept sending me letters of no proof of verification on there part

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 asked the company to send me the proof of the verification of these accounts how the were verified and the kept sending me letters of no proof of verification on there part

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 2022-07-14
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check taken out of my retirement plan and they will not release the hold. It puts me having XXXX money for the next week to take care of my kids. There is no reason this should be held.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: COLLECTION SERVICES OF ATHENS, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent this letter to Collection Service O and 40 days later I never received a response. 
This account is not mine, this is a fraudulent charge on my account that needs to be removes. 
I disputed this with XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XX/XX/2022 Collection Service OF Athens XXXX XXXX XXXX XXXX GA XXXX To whom this may concern Your company said I allegedly owe you money I will PAY under one condition if you can provide. 
1. Validation of the debt-that is, the actual accounting.

2. Verification of a signed Invoice.

3. A copy of the contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 


Kind Regards 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 2022-07-14
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint in response to the recent investigation done by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question : DEPTEDXXXX XXXX Balance : {$1200.00} DEPTEDXXXX XXXX Balance : {$1200.00} DEPTEDXXXX  XXXX Balance : {$1900.00} DEPTEDXXXX XXXXXXXX Balance : {$1200.00} DEPTEDXXXX XXXXXXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update or remove these disputed items. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time the Bureaus are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless they notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly updated or deleted according to Section 1681i ( a ).

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 2017-09-07
Company: Navient Solutions, LLC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
Reason ( s ) for complaint : 1 ) Navient cashed my tax return cheque after I settled my student debt. 

2 ) Navient refuses to prove the tax refund was sent via mail to my home. 

My debt with Navient was resolved before I filed my taxes. Navient received my tax return on XXXX XXXX, 2017. They supposedly mailed it out on XXXX XXXX to my home. I called to verify a week after XXXX XXXX and the lady replied that yes, it 'should ' have gone out. Over three weeks have exceeded from the initial mailing date and Navient still refuses to provide any additional information. I have received several pieces of mail from Navient within the last few months, but the cheque still has yet to arrive and Navient refuses to work with me. Customer service said it should take 7-10 business days the first time I called. Then they said two week the second time I called. Now they said I have to wait at least thirty days. I feel they are trying to put me off so I would give up and they will keep the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, I won a prize in solar last week, and then XX/XX/XXXX opened a cashier check and gave me about XXXX US dollars. I deposited it into my checking account. After 2 days, the money has been shown to be available. I am investing, The in and out account was relatively large, so I bought a little digital currency and returned the credit card, but after a day, the citi bank took the money back. The bank customer service said that the check might be returned and told me it was a bad check. I said it was impossible! As a result, all my payments were returned and the bank was overdrawn. My money was not released until 4 days later, but I couldnt log in to the bank the next day. I called to ask them. I couldnt understand what this is. The reason, I went to the bank to ask about the situation yesterday. The bank customer service said that the reason for the checkpoint was ID fraud and that my ID was real. Then the bank representative said that you can only wait for the letter and make a decision. I really dont know how to deal with this problem, I hope I can get your help! 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 2018-05-20
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:
Sent disputes to all three credit bureaus, asking for accounts to be verified, on who they spoke to, name of the person. Did not verify with no one, just sent letter back that says verified, tried to disput again, continue to receive letters stating they will not reinvestigate, even though they never provided me the 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 explanation