BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-27
Company: JPMORGAN CHASE & CO.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My vehicle was in a collision with a bear and was determined a total loss by XXXX XXXX XXXX. Insurance called JP Morgan Chase, got the payoff amount and the address to send the check, on XX/XX/22. on XX/XX/22 I get a letter from Chase stating I am behind on my auto loan. I verify with insurance that the check was sent and called Chase. The XXXX  representative told me that the check was received XX/XX/22 but I would need to be transferred to the loss department of Chase due to an issue. That person told me that the check was lost and he had placed a work order to have it investigated. 
When I informed my insurance of that they said the check was already cashed and they had received the check back. So I called Chase back again, and they put me on hold to call my insurance company. When they got back on the line they stated that my insurance had sent the check to the wrong address, my insurance had provided them a copy of the check, and they were opening an investigation. I should hear from them soon. 
XX/XX/22 I get a letter from Chase requesting I send them a copy of the check my Insurance sent them.

I call Chase to ask what is going on and the representative tells me that the work order that was placed in previously was mishandled and he was re-submitting the work order more detailed and would follow up to make sure it is handled properly. I vent my frustrations to him that this process is taking too long and I am wondering if I should seek legal counsel. I was told that was my choice but processes like this with a vehicle total loss can take up to 3 months and to blame my insurance company for sending it to the wrong location. I instruct this person that my insurance company retrieved the address from Chase and that a representative told me that Chase had received the check on XX/XX/XXXX, which he confirmed and all they had to do was credit it to my auto loan and this would be done with. He then admitted that the Check was received but was deposited in the wrong account, and would be fixed soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion po box XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Florida XXXXXXXX XXXX XXXX XXXX XXXX ACCT # XXXX RE : FRAUD RE : EXTORTION RE : XXXX RE : PROOF OF CLAIM RE : GRAMM LEACH BLILEY ACT RE : BILLING ERROR RESOLUTION RE : REINVESTIGATION WITHOUT PHYSICAL VERIFIABLE PROOF XXXXXXXX XXXX/Federally Protected Consumer to TRANSUNION, XXXX, XXXX. I am a natural person who is at all times relevant. I am aware My nonpublic personal information should not have been disclosed without my lawful consent. Send proof of your FRAUDULENT Authority and Power of Attorney to sell, report, share, transfer, and store my personal information, my financial information, and the right to speak for me on my behalf. HOW CAN SOMEONE WHO CAN NOT SPEAK, SPEAK FOR ME? TRANSUNION AND CODEFENDANTS/CLIENTS HAVE NO VOICE AS MINORS/CORPORATIONS. 

Your company is following orders to keep your codefendants/clients happy. I have reason to believe Your company and your codefendants/clients are participating in racketeering/extortion criminal behavior. Your company is NOT being impartial to my right to privacy. Send me verifiable proof your company is using my information in a manner that is fair and equitable to me the Consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of my Consumer report.

I have reason to believe Transunion and your codefendants/clients are using unlawful extortionate means by furnishing this transaction that should have been exempt from furnishing negative information they are not REQUIRED to furnish as a means to coerce me to pay on an extension of credit. ON WHOS AUTHORITY DO YOU HAVE TO COMMIT FRAUD ON MY NAME? MY LAWFUL CONSENT IS REQUIRED AND I NEVER GAVE YOU MY LAWFUL CONSENT. 

Transunion was previously asked to do a reasonable investigation into the above-listed accounts. Transunion was also asked to send several documents after their investigation. I AM REQUESTING YOUR ARBITRATION AGREEMENT, ACDV, CARBON COPIES, AND FROZEN SCANS, AND PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF FROM YOUR INVESTIGATIONS WHAT PROCEDURES WERE USED IN YOUR INVESTIGATION.

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 2022-06-27
Company: Nelnet, Inc.
State: IL
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:
On XX/XX/2022 U.S. DEPARTMENT OF EDUCATION/NELNET received an EFT/ACH payment . Confirmation Number was received and confirmed on date, XX/XX/2022, of respective payment was made to the U.S. DEPARTMENT OF EDUCATION/NELNET in the amount of {$16000.00}. Furthermore, U.S. DEPARTMENT OF EDUCATION/NELNET used my open ended credit plan in accordance to 16 C.F.R. 433.3 ( b ) ( 2 ) to furnish this account which furthermore proves they did not extend credit to me in regard to this alleged debt. Notice it is fact that I, the affiant am aware that the false character of the amount in debt is a violation of U.S Code 1692e ( 2 ) ( a ). Affiant has proof of this violation as the U.S. DEPARTMENT OF EDUCATION/NELNET alleges I owe a debt, yet the account shows the billing in a positive amount. How can I pay into an account which is already positive? Pursuant 18 U.S. Code 8 Obligation or other security of the United States.

Notice in fact that affiant is aware that all obligations of debt is the responsibility of the United States. 

Please adjust this account to a XXXX balance with an alleged debt, If you can not provide all documentary evidence requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, 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:
In accordance with fair credit reporting act XXXX Account # : XXXX, Account name : XXXX XXXX XXXX has violated my rights.

15 U. S. C 1681 section A. States I have the rights to privacy.

15 U. S. C. 1681 section 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 2021-01-16
Company: ALLY FINANCIAL INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ally Financial is reporting an account as a DEROGATORY, I contacted Ally Financial on XX/XX/2020, as well as all credit companies to request information regarding this DEROGATORY account. To date, I have not received any information regarding this account and the DEROGATORY status.

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 2022-07-28
Company: Atlanticus Services Corporation
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have two accounts with Fortiva since XXXX and never defaulted on either. They charged fees even when no charges were made for purchases. On XX/XX/XXXX the company closed both accounts without notice after charging me for XX/XX/XXXX fees which I paid {$12.00} on XX/XX/XXXX and {$10.00} on XX/XX/XXXX. I contacted customer service, they refused to refund me for the XX/XX/XXXX fees they charged and were paid for in advance even though they canceled both accounts for inactivity on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a called and said they was from XXXX XXXX XXXX and they asked me to make payments arrangements, because my account was behind on payments. Also, said that i need to send the money trough XXXX in order to be process the same day. Also, said that if i denied to do it they will cut the service in less then an hour. I started to send the {$350.00} that they asked and they said that i did it wrong and have to resend it again. I suspect that it was a fraud so i contact the XXXX XXXX XXXX company and they said is fraud and that i have to contact my bank and the police. I did it and the bank lady told me that they take out of my account almos {$1200.00} dlls, and also said that the money went to a XXXX XXXX account. She told me to wait, because they know where the money was deposited. I was waiting the time they asking and around two weeks later received a letter telling me that it is nothing to investigate because i authorized the transaccion.

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 2022-11-29
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/2022. I received a response with an itemized list of charges they claim I owe. I then mailed a second letter validation letter, which they received on XX/XX/2022. 
I have given well over 30 days for the company to verify this erroneous information with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$0.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXXInquiry : XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022 a fraudulent transaction of {$1100.00} was done with my Bank of America Travel Rewards Visa Credit Card. It was done with a merchant named XXXX. On XX/XX/2022, while the charge was still processing I disputed this charge with Bank of America stating how the transaction is fraudulent and I have not made this purchase. They succeeded in going through the procedure of taking it off my statement while it was being reviewed. However, at the end they believed I made a statement saying that the charges were valid, which did not happen. Based on transaction statements, purchasing power from this card, and history of the credit card, it is quite easy to determine how this was a fraudulent purchase.

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 monetary relief
Consumer complaint received 2022-04-25
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I received a call from the XXXX XXXX police department ( came from that phone number XXXX ) and the person left me a voicemail saying he was sargeant XXXX XXXX with the XXXX XXXX sheriff 's office and needed to speak with me regarding an ongoing case. He provided a cell number ( XXXX ) to call him back at. I called back and left a voicemail and he then returned my call and said I had XXXX XXXX  that I didn't show up for and therefore was being given 2 citations. He provided citation numbers and told me that I needed to pay these fines ( total of {$3000.00} ) and meet with a judge in order for it to not remain on my record OR I can have it remain on my record. He provided me with another Officer in the Treasury Department, XXXX XXXX and an email address to send payment to through XXXX  ( XXXX ). He said once payment is received, I will receive a notification and be transfered to his receptionsit to set up a court date with the judge via XXXX. I sent money and then they hung up. I have contacted my bank, Wells Fargo and they said they can't do anything to help me. I have tried requesting a refund through XXXX but now the recipient is no longer regsitered with XXXX I filed a police report with the XXXX XXXX police but have had no luck with that.

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 2023-12-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the Experian, XXXX, reinvestigate these or delete accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is tha possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to delete accounts that isn't reporting correctly. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information An other adverse item of information other than records of convictions of crimes which attendant the report by more then several years. antedates the report by more than seven years. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-09-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief