BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-05
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I 've called and called and called and called and called sooooo many times about this account, still no luck. This account was opened fraudulently and I 've reported it several times and called about this credit card dozens of times. It seems that I get put on hold for long times, transferred around to different departments, my calls get disconnected, I get told different answers/responses, and so on. This company is going to have a lawsuit if they can not process a dispute correctly. I am so lost and do not know what to do, I ca n't get through to anyone. I 've been dealing with this for almost two years now. I ca n't seem to get a solid answer about this account nor will this bank remove it from my name. They claim I opened it because of payments that were applied to this account that I did n't make. I 've made a large payment recently to pay off the balance but they returned my check because there was no account found to the check, false. I have a checking account with XXXX and it is open, they just refused the check. So either way, I guess I ca n't pay off the balance. I made a large payment because they told me that I am going to be rebilled for some transactions and to prevent this from hurting my credit. Sometimes I am even told by Chase reps on the phone that my account is not accessible by them and that they have to get me to a different dept. that ca n't access my account either. So it 's like I am stuck in a hole and ca n't get out! At this point, I feel that Chase does n't want to assist me with this matter and that they do n't want to take a loss. But I have every right to request for this to be removed from my liability since I did not open it. Furthermore, my drivers license ID was stolen around the same timeframe for this matter. I 've even tried disputing the charges to get them removed, still they denied it. Just because the information on credit card applications and ID 's match does NOT mean that it is me, it could be someone that looks like me. WHICH IS ID THEFT!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Meridian Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Meridian Financial Services posted 4 collection notices on my credit for something I knew nothing about. I called them to get information and they could not give specifics. All I could find out was that it was about some timeshare from 20 years ago. Then they mailed me a letter after I gave them my address to say the claim is valid because it has not been disputed. I turned this over to my attorney and he sent them a registered letter disputing the claims. 

We havent heard anything since. Clearly I did not have the opportunity to dispute before they significantly affected my credit. I am filing a formal complaint in this matter.

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 2021-04-22
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX/XXXX  XXXX ... XXXX  XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-12-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This involves two checking accounts custodied at Wells Fargo Bank. My wife and I were the account holders on both accounts. 
I received a call from someone who purported to be from Wells Fargo fraud department. 
This person turned out to be a fraudster. The fraudster asked me to transfer funds from our Wells Fargo personal checking account to our Wells Fargo business checking account using XXXX. The personal checking account was attached to my XXXX profile ( my email address and phone ) and the business checking account was attached to my wife 's XXXX profile ( my wife 's email address and phone ). I complied because it just appeared to be a transfer from one of our accounts to the other. 
The funds did not go to the second account but to an outside account at XXXX XXXX because the fraudster and in someway hijacked - that is broken through the security and rerouted- the XXXX profile. I did not give the fraudster and usernames or passwords. The breaching of the XXXX profile apparently was set-up ahead of time. 
I also transferred some funds in the other direction - from the business acccount to the personal account. They were also intercepted. The amount of the loss was XXXX XXXX XXXX dollars. 
Within an hours time I realized something had happend I contacted Wells Fargo fraud department. The agent reviewed the transactions and filed a fraud claim. After two weeks " investigation '' Wells Fargo denied the claim. I appealed the claim and the appeal was denied. The only informaton that I received about the whole investigation was that " the appeal was denied because you made the transfer ''. As you may know, XXXX accounts are setup exclusively through banks or other institutions. My XXXX account was created on Wells Fargos website and I had no relationship or contact with XXXX that was not through Wells Fargo. The security breach that allowed the highjacking of the XXXX transfer was 100 % thte fault of Wells Fargo and XXXX. 
Futhermore, these were supposed to be federally insured accounts.

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 2020-04-14
Company: Rocket Mortgage, LLC
State: FL
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:
On XX/XX/XXXX I reached out to Quicken loans because they kept calling me many times a week regarding refinancing my loan. I spoke to hey nice gentleman named XXXX who informed me he would take me off the list and that there was no need for me to refinance right now anyway since I was at a good rate and paying it off quickly. 

Soliciting Calls continued. So I called them back I spoke to a man named XXXX XXXX who gave me a big sales pitch on how I should refinance and why. I told him I suppose I could have more information if he would send it to me in an email. He said no problem and took down my email address and gave me a sales pitch on how much money would save me. He tried to get me to sign forms online without reading them in person. I told him I wasnt willing to do that and he needed to send them to me by email. He agreed. He was very pushy. 

I received the email and just as I did I also received a notification from XXXX XXXX that my credit score had a hard-hit. I absolutely did not give his permission for a hard credit hit. I am in the process of purchasing another home as a cabin and this could hurt me. I would like this removed from my credit report but XXXX XXXX tells me he does not have the power to do that though he is sorry that he pulled it without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2021 a deposit was made of {$1200.00} dollars, but an estimation of {$1300.00} was entered into the ATM because the ATM had jammed and had requested for the one depositing to enter the amount of the cash deposit ( at the time I was not certain of the exact amount until afterwards ). An over estimation of the deposit was made in order to not have my deposit shortened to less than what was deposited. The other option was to select " unknown amount '', which I felt uncomfortable selecting. Ends up that the money was not counted either way in the end by a Wells Fargo employee. I was not given the option for anything once the ATM had jammed, but only told me to call the number on the screen in order to resolve the issue. I was not instructed to come into the bank the following day to resolve the issue. No receipt was given and the ATM only detected {$50.00}. I called Wells Fargo Customer Support the next day and I filed a claim in order to receive my money back that was jammed in the ATM. I was given some time after a provisional credit of {$1200.00}. After months of waiting and dealing with customer support they had denied my claim and stated that the ATM only detected {$50.00}. Afterwards, I went into that same bank and talked about my issue and ended up filing an escalated complaint with the bank. I waited a few weeks and never got contacted once I had received the acknowledgement email. The {$1200.00} of provisional credit was taken back from my account. I went back into the bank and opened a case with a specialist and did not get contacted until and had to go back into the bank and talk to the a Wells Fargo employee over the phone. They stated all that the ATM had detected was {$50.00}. The manager stated himself that when an ATM jams the total amount deposited is not counted and goes into a dispenser bin within the ATM. They refuse to check their video recordings outside and within the bank to verify my claims. The ATM only detected {$50.00}, but proof of a deposit was created within the ATM itself by virtue of a receipt within the machine that the bank itself had given me a copy of once I asked for a copy. That local bank itself where the money was deposited at their ATM and the Wells Fargo claims/specialist departments refuse to check their cameras outside and within the bank in order to validate my claim of a deposit of {$1200.00}. The only amount of money that I got that went into my account was the initial detection of a {$50.00} bill. No receipt of the transaction was given from the ATM itself because the ATM had jammed. The only reasonable explanations are that an employee or employees that work in or for the bank have pocketed the money or an error was made by the individual that collected/counted the money in the ATM dispenser bin.

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 2021-12-23
Company: JPMORGAN CHASE & CO.
State: OH
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:
I, XXXX XXXX XXXX, give authorization for JPMorgan Chase Bank, XXXX. to move forward with this complaint. I applied for a credit application on XX/XX/XXXX, and XX/XX/XXXX. According to XXXX XXXX XXXX Regulation Z ( XXXX ) I am a consumer which means a cardholder or natural person to whom consumer credit is offered or extended. JPMorgan Chase Bank denied me my right to a consumer credit transaction On XXXX XXXX and XX/XX/XXXX. 

JPMorgan Chase also stated they used the credit bureau and credit score to make the decision. The term Bureau means the Bureau of Consumer Financial Protection pursuant to 12 CFR 1026.2 ( 5 ). XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and the Bureau is Consumer Financial Protection Bureau. Furthermore, the Fair Credit Reporting Act makes no mention of a XXXX score being a numerical score as defined by 15 USC 1681g ( f ) ( 2 ) ( A ). Credit is a right guaranteed under the Equal Credit Opportunity Act, 15 USC 1691a, and JPMorgan Chase Bank denied me that right. Chase Bank is in violation 16 CFR 433.XXXX of I, natural person seeking or acquiring goods or services for personal, family, and household use. JPMorgan Chase Bank is not exempt under XXXX XXXX  XXXX because they received or took my open end consumer credit contract after XX/XX/XXXX. JPMorgan Chase has discriminated against me because I in good faith exercised my right pursuant to 15 USC 1691 ( a ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/TransUnion/XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XXXX XXXX XXXX XXXX OPENED XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 
OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX SERVICES OPENED : XX/XX/XXXX XXXX. XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: FIRST NATIONAL BANK OF OMAHA
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
FNBO ( First National Bank Of Omaha ) opened my bank ( checking ) account on XX/XX/XXXX and funded it with {$350.00} from XXXX XXXX ( an ACH withdrawal ). 

On XX/XX/XXXX, {$350.00} was withdrawn from my XXXX Bank account and transferred to FNBO. 

On XX/XX/XXXX, FNBO closed my account. 

The {$350.00} was never returned to XXXX XXXX  or sent to me via check. 

On XX/XX/XXXX, After several conversations with both FNBO and XXXX ( starting on XX/XX/XXXX ) to attempt to find out where the {$350.00} is, a conference call was initiated by XXXX with FNBO. 

During the conference call : - FNBO Manger, XXXX, states that the {$350.00} was returned to XXXX on XX/XX/XXXX. 
- XXXX Representative, XXXX, requests documentation from FNBO in order to track that transaction. 

On XX/XX/XXXX, FNBO Supervisor, XXXX, states that she will contact the correct departments, get the requested information and have it faxed to XXXX but that since it was late in the day that it probably wouldnt be faxed until XX/XX/XXXX. 

On XX/XX/XXXX and XX/XX/XXXX : Calls to XXXX made and they report that they have not received any faxes from FNBO. 

On XX/XX/XXXX : FNBO representative, XXXX, states that they faxed the requested information on XX/XX/XXXX. I requested that the information ( a letter/statement that FNBO closed my account on XX/XX/XXXX as well as a trace ID for the return of the funds ) be emailed or sent to me so that I could make sure that XXXX gets it. XXXX stated that, per documentation from a supervisor ( XXXX ), they would not be sharing any information or sending any of the documents to me. That XXXX XXXX would have to call them to request any more information.

**When asked for an ID number for this call, XXXX stated that there is no ID number.

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 2015-06-18
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Well I sent money to my husband in XXXX and the person that we use to pick up the money never got to pick it up someone else made a Fraud ID and picked it up the cops were called into the picture. I have documents to show that it was improper of that bank to even accept this like it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
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: Account information incorrect

Complaint:
Equifax, XXXX  and XXXX  do not reflect the latest information on my mortgage account with XXXX. All three reflect the last update as of XX/XX/2020.update mortgage account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: MO
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian/XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following account completely from my Credit Reports : XXXX XXXX XXXX : {$49.00}

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 2020-04-14
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: Account information incorrect

Complaint:
XXXX, XXXX  and Transunion do not reflect the latest information on my mortgage account with XXXX. All three reflect the last update as of XXXX XXXX mortgage account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband passed and since then I have been struggling to make my mortgage payments. My home is in foreclosure and I have been trying to work with my lender Wells Fargo to find options to help me keep my home but I am constantly getting the run around and unable to get flat answers from them. After researching online I have realized I am not the only XXXX in this situation and feel I am being taken advantage of and not being treated fairly nor properly. I am now facing a sale date on XXXX/XXXX/2016 and can not even file bankruptcy to save my home as I have exhausted that option way to many times and can not afford to pay my mortgage on top of a payment plan through the court. I need more time to figure out my options and for Wells Fargo to work with me instead of selling my home.

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 2021-12-23
Company: EQUIFAX, INC.
State: MD
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:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am unaware of this debt. I was just recently notified from my XXXX credit report. Prior to I had no knowledge of owing a debt from this company. I did not receive debt verification, no phone calls or any letters. I would like to have this debt removed from my account as it is hurting my credit score and I think it may be an error.

Company response to consumer: Closed with non-monetary relief