BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-08
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
Hi I am currently a working professional who went through a financial hardship while I was in college. During the fall of XXXX I was accumulating credit card debt and was struggling to make some monthly payments. I received 90 day past due email notifications and daily phone calls of my credit card accounts going delinquent from Chase bank of whom I had my credit cards issued from. They suggested that I enroll in a debt repayment/consolidation program through their third party XXXX XXXX to help alleviate the payment burden. I enrolled, and the Chase rep informed me that this will bring your account current as long as I made payments through them. 

From the onset of making the first payment via XXXX XXXX, the late payment notifications stopped both via email and phone calls. I continued to make payments for the next three years ( see attached ) via XXXX XXXX and never missed a payment. A few months ago I ran a credit history report and saw that Chase reported 29 missed payments for the cards that I was enrolled through the program. This shocked me as I was under the impression that I was up to date with paying down my debt. Having these missed payments on my credit report was detrimental to my goal of building back my credit. There was a missed payment that was getting carried over month to month from XX/XX/2017 which was hurting my credit score. I was never notified of this from either Chase or XXXXXXXX XXXX. Per Chase policy " missed payment of 60 days or more Chase will begin physical mail, email, and phone communication notifying consumer of a missed payment. '' I received neither mail, email, or phone notification. In addition to this, the credit report for the missed payments shows 60 days past due for over 2 years which is a glitch/error since a true missed payment would upgrade into 90day-120 day status over that time period. I contacted Chase about this issue and even escalated it to their executive branch. They insisted there was absolutely no fault on their behalf and were not willing to remove the missed payments. I even pointed out that I received no communication from them about my account not being current but my statement was ignored. After the phone call had ended, I magically received an email from Chase for the first time in over 2 years that my credit card payment for that account was past due. This upset me even more but I made the payment to bring the account current. Today I paid off both cards via XXXX XXXX through a lump sum payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX and Transunion should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see pages attached from my credit report. ) These multiple inquiries are well within the ( 14 45 ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all of like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only XXXX XXXX ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.

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 2019-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
For the last 2 plus years, I have not received a copy of my monthly billing statement nor have I been afforded the proper application of my monies I paid to this account. There is a huge discrepancy with my auto loan payments and I have also asked for the total amounts of interest paid since loan inception which began in XX/XX/2016 to current and the presidents office in Texas as well as the auto loan office in California failed to send me accurate account of my loan as last year it stated I paid over XXXX dollars and now my online account states I have only paid slightly over XXXX. They will not release my total payments towards principal vs interest for the years 2016 to current on their letterhead although I was informed it was mailed. I need this document as well for tax purposes. Additionally they are not reporting my account balance monthly to the credit bureau, I have spoke with Capital one on this as well, and no one seems to know how my payments are being applied, it is a simple interest loan and thats about all i get. if you look at my ledger, if i pay early they take a huge chunk of my payment and apply to interest, but if i pay post my due date which is the XXXX of the month, they apply a good amount towards principal and less towards interest. Doesnt add up and no one is talking. I advised if i do not receive my billing statements for the last 2 plus years, as i have called and msg them constantly and nothing. i also have been blocked from msg them inhouse as well as looking at my statements online and nothing received by mail. they have blocked me out of my account and play XXXX as nothing is going on with my account, with me having a prior background in banking and financials i know this is a bunch of malarkey. I advised if i do not receive a statement, no more monies will be paid to this account as i only purchased the vehicle for XXXX and i was to have a gap policy of XXXX added to the account but that is even wrong. I am done. I want all of my documents and fyi this started from the beginning in XX/XX/2016 where they refused to send the dealership and myself a copy of my loan terms and payment slips or information on how i was to pay after having the car 1 month. i have only missed a few payments the 2nd year of having car due to furlough but i caught up and paid in advance in lump sums so nothing is adding up and need your assistance as i am no longer talking to this lender it is pointless. Lastly, they refused to send me a copy of my title as well last year so that I could register my car this is how dirty these ppl operate and just like i paid off my cc, i know my car is paid for, how am i paying XXXX more than what i bought the car for its a XXXX car, payments XXXX have had already 3.5 years, not behind in payments, but you still saying i owe XXXX smh.the math even with the interest doesnt add up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was recently married and submitted a request to Capital One to update my last name from XXXX to XXXX with my marriage certificate. Capital one erroneously updated my entire name to XXXX XXXX. I opened a prior case XXXX, as I was getting no where with Capital one and getting this rectified. They finally fixed the issue and corrected the name on my account and reissued all cards. Fast forward to XX/XX/2023 I am not getting credit alerts that there is an associated name with my SSN and credit file, which is XXXX XXXX. I am also receiving pre approved credit card offers mailed to me in this name not only from Capital one but from other financial institutions as well which is beyond alarming. A simple name change has caused so many issues and is alarming that a bank completely changed my name to a person who I have no idea who this is. This is my identity, my credit. This name needs to be disassociated with me and my credit/SSN and capital one needs to be held liable for their error and all the time I have spent and continue to spend trying to get this rectified.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: IL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: In progress
Consumer complaint received 2023-11-14
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX after depositing some money into my account. Chime froze my account. And to this day theyve been giving me nightmares. They keep asking for the same documents over & over. And upon sending everything they asking for. They cant verify my information! Theyre holding my funds with no explanation!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: JPMORGAN CHASE & CO.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Credit was ran without my consent and credit bureau neglected to contact me for consent. Despite note on my account, making them aware to do so due to fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I recently applied for American Express Platinium Credit Card with my U.S Social Security number on XX/XX/XXXXXXXX  but was denied. As you may know, this denial goes against the Equal Credit Opportunity Act. According to federal law 15 U.S Code 1691c and 15 U.S Code 1691k, American Express violates my consumer rights, specified under 15 U.S Code 1642, 15 U.S Code 1681m, and 12 CFR 1002. I urge American Express to rectify this situation promptly and compensate me for using my securities to avoid potential securities fraud allegations, as I have not received any benefit from this transaction. Also, I've thoroughly reviewed the terms and conditions, confirming eligibility criteria for the credit card, such as being 18 or older, having a US address, and having a valid social security number. Despite providing all the required information, my application was denied. It appears that American Express operates deceptively. I contacted American Express three separate times, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX  seeking clarification on the denial but I was informed there's no direct communication with decision-makers. I intend to Hold American Express accountable under 15 U.S Code 57a for Unfair or Deceptive acts or practices if they choose not to rectify these issues which are based on Facts and Facts alone. I am well aware of how to manage my securities and properly discharge debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
WELLS FARGO has an extra day grace period to avoid overdraft fees. This has been going on for over a year and no help on their part. They email of multiple call back request but I appear to be forgotten each time. I'm told someone would look into this Yet we going on two years. Protocol is I receive an alert stating that my account is in the negative and I have until the end of day to bring it current or I will be charge {$35.00} I WILL THEN MAKE a deposit SAME DAY based on the amount that was emailed, then after XXXX the next day I noticed I am charge {$35.00} either way because something else came through that they didn't educate me on or Wells Fargo just not honoring the grace period. The email request would specify one amount when reality it will be for another amount just to charge me another {$35.00}. I am as of today at a lost of about {$210.00} of overdraft fees for them not honoring there grace period or there pacific time mix with my eastern time was not a factor when they decided to make such an offer. I primary only us this account to cash business checks outside of that I HATE it outside odds because they cant handle this small task and bills I allow through. Per Wells Fargo With Extra Day Grace Period, you have an extra business day to make deposits and avoid overdraft fees. If your available balance covers the prior business day 's overdraft items as of XXXX Eastern Time, we'll waive the associated overdraft fees. 

THATS A LIE AND FALSE ADVERTISEMENT Prior business day overdraft items that are not covered by XXXXXXXXXXXX Eastern Time are subject to applicable overdraft fees for whenever they feel like it even if you pay the same day. 

I have attached what my day looks like after I receive an email, make a deposited and the next day if I owe and a different amount. I took a screen shoot of my account balance current after I was asked to make my account current by the end of day, I did and the next day I am down - {$33.00} Date in question was XX/XX/2023 to today the 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 monetary relief
Consumer complaint received 2024-01-07
Company: AmeriHome Mortgage Company, LLC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
I was recently notified that my real estate taxes are actually much higher than listed on the closing disclosure, which has caused an escrow deficiency. This resulted in too little being charged by the seller at closing and has increased my mortgage payments by over {$300.00} each month. The real estate taxes were not disclosed properly on the closing documents which means I am being charged for a portion of the seller 's real estate taxes and it made all amounts on the closing disclosure inaccurate and much lower than what I am now having to pay.

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 2018-08-02
Company: AMCOL Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The number calls repeatedly. I blocked the number but they continue to call. I attempted to call back but the automated answering machine hangs up on me. Still leaving voice messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Early Warning Services, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Contributor : XXXX XXXX XXXX XXXX XXXX Incident Date : XX/XX/2022 Principal Loss : {$410.00} ( Please remove this from my file as this is inaccurate and not correct ) XXXX XXXX XXXX XXXX XXXX No additional information is reported. 
( Please remove this from my file as this is inaccurate and not correct ) Early Warning is reporting negative information to my check system report that is inaccurate. I am requesting that this information is removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Experian Information Solutions Inc.
State: OH
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:
The company is XXXX XXXX XXXX XXXX. This account was discharged in a XXXX  XXXX bankruptcy and discharged in XX/XX/2017. This company continues to change details on this account many times per month and I even have screenshot images where it's altered more than once a day. This is an discharged account and XXXX XXXX XXXX XXXX has no legal rights to my credit profile. XXXX  XXXX is no longer entitled to report on that account once the account was discharged in XXXX. XXXX  XXXX XXXX XXXX continue to violate my consumer rights by adding derogatory ratings and false reports to this discharged accounts. Recently the company has contacted me with harassing letters about this account reminding me of the terms and conditions and the payment history and being untruthful about this being a legally discharged account in attempts to justify the unethical and very unprofessional behavior. The company sent me documents trying to force me to fill out an fraudulent fraud report. The company typed out an statement as if those were my words and expected for me to have this document notorized. This account has been closed for over 5 years I don't know why XXXX XXXX XXXX XXXX this this is ok to harass and violate innocent consumers and violate orders of the court. Then the company resorts to retaliation by continuing to keep this closed account active, updating details giving it the re-aged affect which has damaged my scores keeping them much lower than they should be. I haven't had anything negative reporting in well over 5 years. But because these discharged accounts are on my report and the company DOES secretly report derogatory false info on closed accounts, these accounts are seen from lenders as bad debt. That's not how a legal bankruptcy is supposed to be. I have included pages of evidence which will be forwarded to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This is important that the company is exposed and held accountable for their actions. 

XXXX XXXX XXXX XXXX. has lied multiple times claiming to be reporting the account as accurate but according to FCRA and XXXX, XXXXXXXX XXXX XXXX XXXX. has no rights to the account after it's been discharged in Bankruptcy. XXXX XXXX XXXX XXXX. is clearly in contempt of court for violating an Court order Injunction. I have hundreds and hundreds of sceenshot images of all the illegal altering of my credit report and I plan on pursuing the matter legally.

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 2023-12-15
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have numerous unauthorized inquiries on my Equifax credit report. My information was in the Equifax data breach. I have filed an identity theft report with the FTC which is attached. The inquiries are below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$40.00}

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 non-monetary relief
Consumer complaint received 2021-04-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On my current Experian credit file there appears a name that is not mine, that I have never used at any time for any purpose, and I do not know who that person is : " XXXX, XXXX '' Further, Experian Credit Reporting claimed that some supposed " debt '' in the amount of {$690.00} was somehow attributable to my home residence address, to this person I never heard of and do not know. 

In addition, I do not owe any such debt at any time. 

This is a well-established, continuing pattern and business practice for Experian by making false claims, over false debts not owed, to serve as financial extortion and blackmail, to promote their " credit repair '' scam by harassing and hounding every unfortunate consumer forced to " visit '' their website into paying them money each and every month for all eternity, just to receive the very same FICO Score to which they are legally entitled. 

And now include a fake name in my credit file as well, copy attached. 

" Conflict of Interest '' on a national scale - Experian ruins your credit file with fraud, then charge you monthly " fees '' for the rest of your life, to " fix '' the very same credit score they just destroyed - for no lawful purpose. 

Experian must remove this fake name from my credit file, and never make financial demand upon me for any other fake name as well.

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