BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: NJ
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 FCRA. The accounts listed below violated my rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 consumer reporting agencies can not furnish an account without my written instructions 15 U.S.C, 1681s-2 [ A ] [ 1 ] A person shall not furnish any information relating to the consumer to any credit reporting agencies if the person knows or has a reasonable cause to believe the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023 my friend XXXX XXXX transferred two sums of money to my Chase bank through XXXX one of which was XXXXXXXX XXXX and the other was XXXX XXXX. But Chase Bank suddenly froze my account, saying my friend had filed a dispute. My friend and I are both from Chase Bank. During this period, I also called, and the customer service told me that this case was closed. The {$2000.00} will still be in my account. But when I unlocked the Chase bank account, I found that the money was still in dispute on XX/XX/XXXX. But my friend never received a refund. She went to Chase Bank and kept saying she couldn't dispute the money. I went to Chase Bank XXXX XXXX MA ) five times and got a different answer each time. One moment I said that Chase Bank held the money, another moment I said that I had returned the money to my friend 's account on XXXX bank said that it had called me to confirm the money, and my reply was that the money should be returned to my friend, but I never received a call from the chase bank. Now this {$2000.00}, Chase bank said not to disclose customer service information, my friend went to Chase bank can not find this refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: OneMain Finance Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2021, I received a congratulations email upon submission consumer credit application for a consumer loan. The letter specified as a result of obtaining consumer report that " your loan offer is approved '' upon meeting conditions of verification of identity and address and monthly income and expenses to determine if loan payment fits your budget according to color of custom lending guidelines in conflict with fair lending laws. 
I was told by representative XXXX that I would not be approved for requested {$20000.00} but the most I would qualify for is {$8800.00}. XXXX asked would I accept that amount, I agreed. XXXX invited me to come to location to provide identity documents and sign loan documents. Provided passport card, affidavit of identity and nationality card and 2 bank statements. Informed XXXX I was not in possession of social security Administration credit card due to confidentiality and privacy agreement in accordance to 31 CFR 1.32 and provided W2 instead. Arrived at location and was told that due to dual national status of banking relationship accounts and savings account they would have to verify whether deposit to account could be made and they would escalate it to superiors, despite my decline to direct deposit in preference to check. Company later denied consumer loan via e-mail despite advising that notice would be mailed. Received initial e-mail without reason alleging " percentage of revolving credit in use '' despite advertising use of loan to consolidate debt and preapproved notice upon receipt of consumer report. The adverse action in violation of 15 USC 1681m was provided without disclosing credit score, nor was adequate disclosure of required percent of credit use vs obtained from XXXX report. The acts of ONEMAIN were abusive in acts that are deceptive and misleading to discrimination my 12 CFR 226.2 ( 14 ) right to incur debt and defer payment of debt. the lender ONEMAIN has criminally deprived my right to credit under color of custom per 18 USC 242 as creditor in disregard of consumer protection laws 12 USC 5481.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am an XXXX XXXX service member and I should be receiving 6 % interest rate from American Express under the Servicemembers Civil Relief Act ( SCRA ). I send them my XXXX XXXX military order in XXXX of this year and they still refusing to reduce my interest rate to 6 % although the law says all debt prior to XXXX XXXX. Please look into this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
XX/XX/2023 they didn't want to give me service cause the way I look

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 2020-01-08
Company: Experian Information Solutions Inc.
State: GA
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:
Hello, On my Experian Credit Report, After filing a dispute, the results showed items ( XXXX XXXX XXXX ( Acct # XXXX ) and XXXX XXXX XXXX ( Acct # XXXX ). Both items deleted from credit report on XX/XX/19. I now notice the report dated XX/XX/19, that the item XXXX XXXX, XXXX ( acct # XXXX ) with yet a different account number remains on my report. Also on Experian reported dated XX/XX/19, Items XXXX XXXX ( Acct # XXXX ) and also showed results showed item deleted. Also another XXXX XXXX ( ACCT # XXXX ) also stated Deleted. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. I did not receive this notification. On report datd XXXX, XXXX XXXX XXXX has an incomplete account number which violates FCRA fules XXXX as I have no way of knowing if it is mine. I would like your assistance with these issues. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: Bread Financial Holdings, Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I recently opened an ALL rewards card ( issued by the clothing store Ann Taylor, but can be used anywhere -- it's a mastercard ) and it is part of Comenity Bank. Since I received the card more than a week ago, the Comenity Bank portal is down and there is no way to log in and when you call there is no customer service to speak to. I have done some research online and many other people are having this issue ( they manage cards for a variety of stores like Ikea, Ulta, XXXX XXXX, etc. ). I can't pay my bill because there is no way to do it ( although I have the funds and would like to! ) and I am also worried about how this might affect my credit score -- including after all is said and done and I want to close this account because it is not worth the headache. Comenity has been claiming that this is " planned system update that took longer than expected '' but no scheduled maintenance takes this long and blocks thousands ( millions? ) of customers out of their accounts for over a week and counting. They have not been forthcoming or proactive with any information -- and what they do share is vague, patchwork, and unhelpful -- if it is even true. The one and only time they reached out was XX/XX/XXXX via email. I have not heard from them since then. I am worried my XXXX  is part of some data breach or something worse, but we have been kept in the dark. 

Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I had a auto loan with Wells Fargo in XXXX to XXXX and they were trying to say i didn't make payments when I did and even showed proof of everything. They then tried repossessing it so I had to turn it in. I had other strange fees occurring on my checking account. I finally closed them out. This was in XXXX Washington. I tried everything I could to keep it but they wouldn't work with me. I can't believe they are still in business.

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 2021-09-19
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This relates to an XXXX XXXX card. I called in and spoke with a customer service representative to payoff the balance on my credit card. He paid the balance in full. I thought that the balance would be XXXX and the last statement I received would reflect a XXXX balance. I received a statement but didn't open it as I had paid the balance in full. I later opened the statement and it showed a minimum interest fee of {$2.00} owing. I called XXXX to determine why this would be, while going through the queues I was informed my account was in collections. The representative told me the {$2.00} balance was interest owing ( even though the statement shows a fee charged of {$2.00} for a minimum interest charge ). She indicated the balance is now {$14.00}. I asked what for and she indicated fees and interest. I asked her interest on what and she said the balance ( which is fees and interest and to my knowledge you can't charge interest on fees or capitalize on current interest ). I told her they can't charge interest on fees and she indicated that yes, they could. I asked to speak with her manager. After she spoke with her manager, she came back on the line and told me they would waive the interest this time. They indicated the account would reflect a XXXX balance and I asked them to close the account. I am concerned about this having reflected negatively on my credit report. I also am concerned that they are operating with deceptive practices. When someone calls to pay off the balance on their credit card, they should expect that the full balance and interest to that date will be paid. They should not continue to be charged a minimum interest charge fee or be charged interest on interest and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please discard the following items that are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-17
Company: U.S. BANCORP
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
This complaint is very similar to the one that was just settled with the bank returning the money. I have a very good friend in a hospital in California. He has a XXXX XXXX that is malignant and needs surgery. He doesnt have insurance or money. The hospital was requiring {$62000.00} deposit for a surgeon that we flew to XXXX  from XXXX renowned for that surgery. My friend does car business with XXXX XXXX near the hospital. His fianc lives in XXXX XXXX  where US Bank is located. Her name is XXXX XXXX she is a customer there. The ownership suggested I send a cashiers check XXXX would take it with her to XXXX  on a pre planned trip. I mailed the check overnight to US Bank manager XXXX XXXX, he put a 7 day hold but she was just going to pick the check up. During the hold period XXXX had a XXXX episode and spent about 3 days in the hospital. When she was discharged she went to the bank to pick up the check. Apparently she was medicated to the extent that she couldnt answer the questions that were asked. After the check arrived overnight I called the bank and explained truthfully what the situation was for my friend and the fact that XXXX was volunteering to deliver the check since she was going to visit her fianc. The problem is XXXX the manager refused to give her the check and since XXXX he has refused to return the check to me, thats a lot of money. It was sent to the fraud department they still have it. It was signed for at the bank on XX/XX/26. They decided it was fraud or a scam. Im still trying to help my friend. US Bank XXXX, XXXX  ph. ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: Upstart Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a personal loan on XXXX. I was approved for a lower amount. I did the online bank account verification process. On XXXX Upstart requested a bank statement from the last 30 days. Now I had already given the company online access to my bank account with all my transactions. And it is a common bank practice for bank statements to take a while to become available. My statements at XXXX are processed on the XXXX of the month. I sent Upstart screenshots of my bank transactions for 30 days, this was not sufficient. Then Upstart requested a complete personal bank statement showing income deposits from within the last 30 days. I then sent them the income deposits as requested, this was not sufficient. Upstart started to inquire about personal loans from XXXX deposited into my account. These loans were under my husbands name. Even though they stated in their emails that I only needed to submit the promissory notes only if my husband was a signer on my bank account, which he is not. I still sent them the promissory notes. My biggest complaint is Upstart claimed I had two personal loans deposited into my account on XXXX on from XXXX and one from XXXX XXXX. This was completely inaccurate, the only personal loan deposited into the account was from XXXX. I have an email where this is stated. I inquired about where are they getting their information about the loan from XXXX XXXX and I never received a straight answer. Once I challenged this second loan, they never brought it up again. For the next 10 days I sent every piece of information requested. On XX/XX/14 my loan was denied. Upstart stated I had another personal loan account opened since submitting my application. This is a complete lie. My credit report did not change in 10 days. All of the notices I received stated my loan was approved, not pre-approved. Upstart lied about items on my credit and deposits made into my bank account. I had a previous loan for $ XXXX with Upstart, my payment were on time and I paid the loan off early.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX and XXXX XXXX, not government entities are receiving and reporting information that is denying me stability, housing, credit, and more. This is against the Privacy Act and I never signed for them to report any information. There are accounts that are incorrect, sure to be written off on taxes, and these merchants are trying to steal additional money from me. I disagree with all agencies reporting my negative information, I contest the accuracy of accounts, validity, whether written off on taxes already, also I contest all bureaus reporting are breaking the law. As, I did not consent to them reporting negative items, my address, name, XXXX, or anything that will cause me denial of credit, employment, housing, and or stability. This is against the law, Privacy Act, Lack of XXXX, XXXX Incorrectly, and mainly breaking the law.

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 2022-07-06
Company: EQUIFAX, INC.
State: TX
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:
This is reported with inaccuracies. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. They did not provide proof that this is my debt. The 3 credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 

Account name XXXX XXXX Account number XXXX Recent balance {$520.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$520.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX  XXXX  Type Collection Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$520.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
Comment history Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) .| XX/XX/XXXX - XX/XX/XXXX Affected by natural or declared disaster.| XX/XX/XXXX Account history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Payment history guide Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX Balance history The following data will appear in the following format : Date : account balance / date payment received / scheduled payment amount / actual amount paid XX/XX/XXXX : {$520.00} / No data/ No data/ No data XXXX XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data The original amount of this account was {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I kept getting charge many overdraft fees unauthorized transactions I never made

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 2022-11-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$7200.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation