BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had a legal name change over two years ago, on XX/XX/XXXX. Shortly after, I updated my bank and XXXX credit card to use the new name. These were my only accounts at the time. Despite this, my XXXX credit card has not reported to my credit report for over two years. I have constantly tried to get this fixed. I have called XXXX and Experian countless times. I have mailed in a letter to XXXX authorizing them to fix the issue three times. I've made a previous CFPB complaint in XXXX, XXXX. After the latest round of calling XXXX I was told its out of their hands and future attempts to fix this would need to be directed at Experian. After three times of calling them, I was told there was a duplicate credit file under my deadname. Naturally, I asked them to fix it. This is already absurd, all my financial accounts have been under my current name for multiple years. In the several disputes I've made with Experian to fix this issue, every time the dispute fails to show information online, instead directing me to call their hotline, but luckily I found a workaround, something I shouldn't have to do, but by printing my dispute online, I'm able to view Experian 's comments and next steps. Now, I'm asked to provide information regarding my identity and name change, something I've already done before, but I did so again. This process took over 5 tries, as every time I tried to fill out the document upload form, it would time out and make me start over from scratch. I was unable to use my bank statement from my bank in the document upload as despite being less than XXXX, well under the XXXX limit, the site would not accept it no matter what, even though it is a PDF, which is what the site takes. All in all, Experian has handled this abyssmally on all accounts and I have no faith in their ability to ever get this resolved.

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 2023-04-29
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX I contacted American Express because I received by email an offer to sign up for the Business Platinum to receive XXXX points and Business Checking account to receive XXXX points ; and then an additional XXXX points for doing both. I received the XXXX and the XXXX points, but never received the additional XXXX points. 

On XX/XX/XXXX I followed up and was informed that my rewards were denied because my " offers were not linked ''. I have looked through the fine print in the email and I have satisfied all of the conditions. It seems like something went wrong on their end they didn't track the offers together, which seems very strange- the email doesn't mention having the offers linked - I applied for both on the same day - so it shouldn't be difficult for them to track the applications together

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is to follow up with previous complaint I filed on  XX/XX/XXXX    regarding the broken Chase ATM machine located at  XXXX   XXXX   XXXX   XXXX  floor at  XXXX  College  XXXX   XXXX ,  XXXX , NY  XXXX .     I was at this location on    XXXX   XXXX   XXXX   XXXX   I tried to retrieve some cash from this Chase ATM at this location. Instead of giving me the cash I requested, this ATM machine got my card stuck inside of the slot, I was not able to get it out. I asked mall security guide for help, but security staff said it is  Chase  's problem, and I am the SIXTH CUSTOMER OF that day experienced this RIDICULOUS issue. They told me the best suggestion they can give to me was wait for  XXXX  minutes, and the ATM machine will release my ATM card back to me. Apparently all previously  XXXX  customers had been WAITED THAT LONG to re-gain access to their Chase debit card!!!     I   had an hair and massage appointment, thus I tried to call Chase customer service, but I was not able to get through to talk to any live person helpful to this situation. Thus I waited near this broken Chase ATM mall inside of the mall for 20 minutes, I got back my ATM Chase ATM card but I missed my hair and massage appointment to get my debit card back.
I complained to mall manager about this horrible experience, the mall manager told me that this is outside of the scope of what mall management can do. It was Chase provided bad ATM machine, they also felt bad for all Chase customers who experienced difficulty with the ATM. They also had NEVER SEEN any bank ATM machine swallowed up customer 's ATM card and causing customers EXCESSIVE AMOUNT OF TIME to wait. None of the customers on that day received any cash from the machine, they indicated this issue had been going on for a while, and Chase failed to check into this regardless multiple customers experience hassle and difficulties.       After I filed the  XXXX  complaint.  Chase  employee  XXXX   XXXX  left a voice message to my cell phone on   XXXX    he left a call back number  XXXX  and said that would like to speak to me in person. I called back twice but experience same bad experience as the other day, reaching his voice system, no live person to answer. I prefer Chase to reply me in writing regarding solution. No more phone calls. I would like to have a written record of the solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: Experian Information Solutions 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-04-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/23 and XX/XX/23 my ( XXXX ) WELLS FARGO debt card was stolen from my wallet and used at a various stores and a lot of fraud unauthorized charges are on my statement, I filed claims ( # XXXX ) and ( # XXXX ) I was told the money would be returned to my account in 10 days. So soft this issue Please refund the money that was stolen from my account. You can contact me at XXXX 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 explanation
Consumer complaint received 2017-05-19
Company: ERC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today I noticed that this company has reported that I owe them a debt. To my knowledge I have never done business with this company nor have they provided me with goods not services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08
Company: Experian Information Solutions Inc.
State: CO
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 XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX charged off my account while account was current, with more than double the minimum payment being paid monthly. 

Most recent statement shows consistent payment over twice the minimum payment ( minimum payment {$120.00}, we have been paying $ 300 monthly since XX/XX/XXXX ) This card was opened in XXXX, and since that time, I have only missed 3 payments beyond the 30 day mark by a few days, and quickly corrected them, paying off these outstanding balances before the next payment due date. 

I am unable to reach someone to discuss the reasoning or erroneous nature of this charge-off. 

This charge-off has negatively impacted my life, and I may need to file bankruptcy as a result as it has ruined a loan refinance for my wife and I.

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 2023-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the FCRA Capital One has violated my rights.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 Any other adverse item of information, other than records of convictions of crimes which 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.

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 2023-01-09
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a mortgage since XXXX. The loan has been handled by multiple servicers due to the discretion of mortgage companies to sell the loan at their discretion. Since the purchase of my home, the loan has been serviced by XXXX XXXXXXXX XXXX XXXX XXXX XXXX AmeriHome Mortgage and most recently XXXX XXXX 

While I was being serviced by AmeriHome, I made mostly online payments. The XX/XX/XXXX online payment seemed to have an error in processing ( payment was made XXXX ) that I was not made aware of until the XXXX billing statement was received. Upon learning that the XXXX payment didn't process, I immediately processed the payment online AND paid the XX/XX/XXXX payment. There was no issue with lack of funds. I submitted an online payment request in XXXX and moved on as I have done for several months. 

I learned in late XXXX that AmeriHome reported to XXXX a late payment on the mortgage ( the only XXXX since XXXX ). Subsequently, that XXXX late payment due to a technical issue with the AmeriHome online payment platform and NOT an inability to pay caused me to experience a XXXX XXXX XXXX in my XXXX XXXX, reducing my score from XXXX down to XXXX. I have contacted AmeriHome via telephone on numerous occasions in XXXX without success. I was notified in late XX/XX/XXXX that my loan was being sold to XXXX XXXX 

I feel like this action of AmerHome to drastically reduce my XXXX XXXX based on XXXX late payment and then sell the loan to another company XXXX day later was predatory and has cause me undue harm in my financial profile. A XXXX point decrease in my XXXX XXXX dropped me from the " very good '' to " fair '' tier with XXXX action. 

This situation does not accurately reflect my payment history, my credit management history and has placed me in a position of being perceived to be a credit risk unnecessarily. 

I am also extremely disappointed with AmeriHome 's unwillingness to even address this issue with me as a customer. I feel as though I experienced undue harm to my financial reputation due to no fault of my own and have had XXXX XXXX of recourse with AmeriHome.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Foris DAX, Inc.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/23, I disputed 4 unauthorized transactions on my debit card account. On XX/XX/23, I received notification that the determination was that the disputed amounts were permanently credited to my account however only 3 of the 4 were credited. On XX/XX/23, I received another email with them letting me know that the XXXX one has been permanently credited as well. The amount was for {$51.00}. 

I did not see that credit so I reached out to them again on XX/XX/23 to inquire about the status and I am not getting a response after being told that there would be a response in less than XXXX minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Bread Financial Holdings, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I received notification from XXXX XXXX that an account had reported me 30 days late on payment. Research indicated that this came from Comenity Bank, an account that I was not familiar with. It turned out that it was for XXXX. 

As I had paid off my off the remaining balance on XX/XX/XXXX, I was surprised as well as confused. I logged on to my account and noted charges for XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX and XX/XX/XXXX for {$2.00} ( XXXX ), {$6.00} and {$14.00}. 

When I contacted the company, they told me it was for interest. I asked them to explain how when I paid the " remaining balance '' of my account that it did not include the {$2.00} interest on XX/XX/XXXX and so on. They tried to attribute it to when the payment is made, versus the time that it takes for the bank to process the payment. They remain adamant that the money is still owed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-11
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have sent payment receipt copies of all payments, still being inaccurately reported and not corrected? Inaccurate Property Description refusal to correct? 
Inaccurately Principal Balance reported? 
XXXX United States Bankruptcy Court paid {$46000.00} only applied to the loan {$4600.00}? 
Recharging the customer for Payments the Bankruptcy Court has already paid? 

Sent unknown persons to my home Sunday, XX/XX/21 to verify if someone lived in the home or any damages? Mortgage Company sent our payment back to us, I remailed Priority Mail Tracking Number. I have sent 7-8 Priority Mail with tracking numbers none have been answered? I will not Refinance or have another Mortgage company buy out when there is inaccurate Principal balances due to Mortgage Neglance?

Can submit all Payments Receipts, Tracking Information Recorded conversation under separate cover.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Absolute Resolutions Corp.
State: TX
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:
I am writing to request your assistance in addressing an issue with my credit report. On XX/XX/2023, I applied for financing to purchase a new car. During the credit check process, I discovered that my credit report contains inaccurate and damaging information. I believe these inaccuracies violate my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and may be considered a defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I made a fraud claim on my account and spoke to the multiple times and was told to fax in documentation on a claim before they received the written documents they had closed my claim causing another period of investigation. Not even a day later. Everytime I call in Im transfer atleast 4 times and no one knows my information which is provided each time but no provided to the next person.

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 2023-03-09
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:
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. 

XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, have violated my rights. 

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 4 ) Section states Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; or ( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a veterans medical debt if the date on which the hospital care, medical services, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Fay Servicing, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
POC : XXXX XXXX QWR Notice of Error Loan : XXXX Property : XXXX XXXX XXXX, XXXX, Ohio, XXXX Owner : XXXX XXXX XXXX Trustee Mortgage cosigner : XXXX XXXX XXXX 1. I have been notified by my counsel that the case XXXX has been asked to be dismissed by Faye Servicing counsel is this true? 2. If yes is the investor no longer going to be pursuing the note? 
3. If no what kind of time frame will XXXX be releasing the mortgage? 
4. XXXX 's attempt to collect discharged bankruptcy debt and there placing of illegal fees for improper Forced Placed Insurance on my property which over the past 4 years has accumulated in excess of {$3000.00}. This along with the old reinstatement amounts that I have been forced to pay over the past 3 years which have included XXXX attorney fees and inspection fess filing fees has forced me to invest money I did not have at the time well above the amount of the note on this property. 
5.I have now had to invest more money and devote more of my valuable time taking me away from far more valuable projects in my company pushing back very profitable projects to help with the defense of case XXXX. I will be looking for compensation do you have a contact number for a department that I can discuss settlement with at XXXX and if so please forward it? 
6.The mismanagement and negligent actions of the debt collection services for XXXX over the past 4 years and present have caused me undue financial hardship and mental abuse this has been a long and exhausting journey for me my wife and family. I hope that we can come to some common ground on getting this matter closed and behind me. As I as always express it is better to resolve things out of litigation rather than in court. XXXX as of today the file on this property in which I have forwarded to you by email and in a CFPB report list over XXXX e-Regulations violations not but least including violations of RESPA Section 6, Reg X, Z FDCPA violations and worst the 11 U.S. code sec.524, 944 attempting to collect discharged debt and violating the signed agreement XXXX court ordered by Honable Juge XXXX XXXX XXXX in case XXXX. Now making matters worst I have discovered this was placed as a foreclosure on my credit report as an extremely delinquent account this is not accurate I never owed a large sum the money that was trying to be collected. I only stood my ground and refused to pay on debt that I did not owe. I will looking for the investors response on the settlement of all these matters in connection of my loan. 



Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation