BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am a XXXX in XXXX XXXX XXXX University and I opened an account in Chase last year in XXXX to save my tuition and other expense. During XX/XX/XXXX, my money in saving account was transferred out by fraud until XXXX. I was in XXXX and busy with taking care of my baby during that time, and I was thinking the bank is safe so I did not notice that. Around 100,000 was stolen during this period. When I went back to US and found this, I went to chase immediately. They only helped with 4 earliest transactions at the beginning. They did not help with others and asked me to contact the banks who got my money transferred in. I contacted those banks, but they said they only talk to chase. I even went to XXXX XXXX, their banker there told me this is rediculous for a bank to ask the customer to contact other bank for disput. So I went to chase branch again and again, their banker helped me to claim the other transactions and said they will take care of it. I actully went to chase branch for a lot of times and filed out useless form for a lot of times. They first said I will get an answer on XX/XX/XXXX, but I did not get any reply on XX/XX/XXXX. I contacted my banker called XXXX XXXX for what's going on, she told me their department already closed my case and they did not do anything. Even everytime I went to branch, they claimed my case and make sure they will take care of it. But when I got back home and called for claim department, they always use 60 days rule for the excuse. Looks like the banker in the branch is pretending to make claim and the claim department was not doing anything. They always use 60 day rules even though they know my special situation. The claim department never deal with it and closed it very earlier.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: WELLS FARGO & COMPANY
State: CO
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:
Im was a XXXX XXXX with XXXX, l was introduce to XXXX currency trading last year with XXXX, since both are well trusted exchanges i thought my money was safe, after I open an account with XXXX, a group of XXXX currency traders approached me via XXXX, they claimed to have an exchange where you could learn to trade on daily basis XXXX and render profits with their data advice and guidance, I thought they were a serious trustable group since they got my info from XXXX. 
The platform was fake and theyre a group of very sophisticated skilled people who scammed into deposit my hard earn savings to their platform under the false assumption I was doing honest day trading The platform is XXXX The money travel from my checking account from Wells Fargo to XXXX and into their fake XXXX address The money was lost and I need someone who can help me retrieve my money. 
Again the transactions were made willingly, thats the mere definition of a scam and Wells Fargo refused to refund the funds because they were authorized transactions, but they can verified the money travel to a scammers 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
Consumer complaint received 2017-09-07
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, XXXX my son was seen by a doctor in an emergency room for a XXXX XXXX. Both the doctor and emergency room were in service providers. A company called XXXX XXXX sent us a bill. I called my insurance company to ask if I did still owe money because all of my paperwork indicates, " Patient owes provider {$0.00}. '' I have provided this information to both XXXX XXXX and Commonwealth Financial Systems IncXXXX but the issue still has not been resolved. I have also sent a letter to both from my insurance company that states, " The correct patient liability after our payment would be {$0.00}. '' Again, the paperwork was ignored, and the situation not resolved. Despite this communication and numerous phone calls, Commonwealth continues to report this as an unpaid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: KS
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:
XXXX XXXX XXXX XXXX - Closed XXXX, XXXX XXXX. 

XXXX XXXX - Closed XXXX, XXXX XXXX XXXX XXXX XXXX - Closed XXXX, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States | 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

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: EQUIFAX, INC.
State: KS
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:
XXXX XXXX XXXX XXXX - Closed XXXX, XXXX XXXX. 

XXXX XXXX - Closed XXXX, XXXX XXXX XXXX XXXX XXXX - Closed XXXX, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States | 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
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:
I am filing this complaint against XXXX, Experian, XXXX because I have previously disputed this account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this! I have filed a complaint demanding a deletion for this unverifiable 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 non-monetary relief
Consumer complaint received 2022-02-15
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:
I am filing this complaint against XXXX, XXXX, Transunion because I have previously disputed this account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this! I have filed a complaint demanding a deletion for this unverifiable 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
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: GA
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:
You, the CFPB are not enforcing the law or facts. You know for a fact that the court systems do not report any of their records to the 3 major credit bureaus, yet instead of reprimanding the credit bureaus and demanding they remove the public record for cause of not being able to validate the information, you are acting as a middleman just passing along complaints and doing nothing about the complaints to protect the consumer 's privacy. This is absurd... what is your purpose if not for the most egregious violation the bureaus can make as the court system is our only legal system and you are allowing the bureaus to run rampant and do what they will in obvious WILLFUL NON COMPLIANCE. 

I have spoken to the clerk of court and confirmed verbally on a recorded line that they never send any information to the bureaus and the bureaus never send information to them and the bureaus never contact the courts to verify personal information such as name, address, social security number and date of birth. 

I demand that the CFPB do its job and cause the public record on my credit report to be deleted. Furthermore in a letter I uploaded I listed the laws that are being violated and my privacy is being violated. 

Act now or I will also see how I can press charges against the CFPB for not doing its job!!!!!! 

My next actions I will have no choice but to file a lien and an involuntary bankruptcy against the CFPB and the credit Bureaus.

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 2018-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Found late payments reported on credit after comparing lates reported against the dates my account was in Forbearance during the times that late payments where reported. I previously contacted XXXX about this and they said that the account was being reported correctly.

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 2019-03-29
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 2020-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Capitol one bank is denying me a SECURED credit card without paystubs. I put im unemployed and they said they need to verify pay stubs. I uploaded my bank statements .according to them, they have to verify my annual income in order to receive a secured card .this is another attempt by creditors to diminish my name.my first secured card is in good standing with no issue. Now they literally are asking for something thats not standard practice for a secured card. Also wan na get my child a secured card, does he need pay stubs also or is it just a person to person basis ..? If so, what basis, are minorities able to properly utilize credit or are we gon na be systematically roadblocked. I attached my application ' and the response from capital one. I can also prove that people of other races don't have this issue getting a secured card.i have plenty of associates fromdifferent walks of life and around the world, that would never experience this type of discrimination trying to build credit this is a urban issue that will be legally addressed .if I have to file a suit to prove I'm being targeted and discriminated against, I will have people from all walks of life on my behalf to prove my statements to be 100 percent true..I will rightfully prove only urban person would have this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: EQUITY LOANS LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I am trying to apply for a mortgage pre-qualification, I went to Equity Prime Mortgage http : //www.equityprime.com/ this is their home page. I applied for a Mortgage pre-qualification, they sent me an email letting me know that they will contact me in 24 hour but is been a week and they do not contact me and when I contact them they avoid me and does not answer my question,, they keep asking more information and authorization and tell that they will call me back but they never call, when I contact them by text messages or by online chat they close the chat as soon as they get my name and phone number this is not right to me because I have email an agent from them and this guy never answer back

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 2019-08-01
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:
XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 23 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX, however XXXX and Transunion have not removed this from my credit report. I have contacted the bureaus to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: IL
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 act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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.

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: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021 I received multiple emails welcoming me aboard to a new Suntrust banking account and and order of checks but I was not able to access the account. 

On XX/XX/XXXX I received an additional email confirming that the account had been enrolled in overdraft protection. 

I called the bank and reported the account as fraudulent and had the account closed.

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: TRANSWORLD SYSTEMS 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:
Collection agencies had ignored the disputes, and the gas bill for {$1000.00} was from the other apartment not mine, the credit bureaus ignored me after i have been disputing it for months, they have ruined my credit specially in this economy and now i can not get anything with that bill that's not even mine so they have damaged my reputation in paper. 
Please hope you can help me with this because it is effecting me more so with all that we have all been through with the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I 've been paying the minimum amounts on each of my loans, as well as another large sum toward individual loans to pay them off quicker. Despite my aggregate amount of debt being reduced by half, my minimum payment has remained {$500.00}. As a result, a large chunk of that amount has been used toward interest. As a result, I ca n't take the money I 've saved from a lower minimum payment and apply it to the high interest loan I 'm working to pay off first. I 've called Navient 's customer service line and they 've manually updated my minimum payment to a lower amount, describing it as a problem that should be updating each month. Instead, I have to call Navient each month to have the minimum payment lowered to the correct amount it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
The company portfolio recovery keeps harassing me through phone calls claiming I owe a debt which is over 6 years old. I do n't owe anything to this company and have no idea who the original debt came from, this company keeps threatening me and family memebers at my realtives door step, I had to change my phone number twice, they keep harassing me telling me through voicemail and mail that I will be sued and taken to jail for not paying a debt which I do not own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX submitted a triple diverse accounting statement in the same month for my credit card. They failed to respond or to solve their derelict accounting, which destroyed my confidence in their actuarial system. Subsequently, I received threatening form letters, similar to a collection agency 's, which in the course of events were substituted by form letters insinuating that I was impoverished and could go on a payment plan of their devising. They continued by assessing ( exorbitant ) late fees. In the course of time I discovered that they had badly damaged my credit rating -- without an explanation to myself or the credit card charge recipient. 

I have since written to Federal and Commonwealth fiduciary agencies, complaining of XXXX 's high-handed tactics and irresponsible errors. In the interim, XXXX has failed to phone me to discuss the matter of their negligence. Given their behavior, I am ready to file suit to finally get their attention. 

Their example is egregious.

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