BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: JPMORGAN CHASE & CO.
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:
In XXXX of XXXX, I was undergoing a home renovation, which required multiple trips to local hardware stores. I employed four local individuals to assist me with this project. The agreement was to pay them cash for their assistance in the home renovation. They accompanied me on these trips to XXXX XXXX, XXXX 's and other local stores. At the register, these individuals would accompany me as I made my purchases. Unbeknownst to me, they were watching me input my PIN number into the register keypad. 

I did not know but these individuals who I employed, were planning to rob me blind. They stole my card when I was not looking, and used my card at various stores such as XXXX XXXX, nail salons, XXXX, XXXX Hardware, and pulled out cash at ATMs. Over {$10000.00} was stolen from my Chase Checking and Savings accounts. 

When I discovered the theft, I immediately researched these transactions to ensure I was not the one who made the transactions. There were over XXXX transactions, and each one totaled over {$1000.00}. When I concluded I did not make these purchases, I filed a report with Chase and filed police reports. I filed these reports in XXXX of XXXX when I noticed the money missing. J.P. Morgan Chase has denied my claims three times, stating that I disclosed my PIN, which i had not. They have not reimbursed me for the over {$10000.00} in fraudulent and unauthorized transactions that these thieves made. They have also closed my account. 

I have gone to store managers, requesting copies of store footage so I can assist Chase in their investigation. I have spoken to numerous police officers and been on hold with Chase for over XXXX hours trying to get this resolved. My funds are supposed to be FDIC insured and for Chase to blatantly deny my claims and treat me as though I am a criminal is egregious and disappointing. i did not provide my PIN- they watched me and memorized my PIN.

I demand Chase reimburse me and take the time to complete a thorough investigation, For them to deny me is outrageous. I have done my due diligence and taken all necessary steps to assist Chase in their fiduciary due process. I have banked with Chase for over 27 years and for them to treat me like this, particularly the employees at the XXXX Ca branch, is unethical, immoral and criminal. 

Thank you for taking the time to ensure my report reaches the appropriate parties at XXXX XXXX XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My car rental company processed a refund to my Debit card, however, they sent it it to my original debit card which was closed due to fraud. So the bank issued me new debit card number, but still tied to the same checking account. The refund was processed on XX/XX/2021 under XXXX : XXXX. To this date, my bank, HSBC USA has not found the money and they have not credited my account. The car rental company says they sent the money under that XXXX, and Bank doesn't know how to look for the transaction. They have given me the run around, they are too busy, it's XXXX, it's XXXX, it's XXXX... everyday there is an excuse and I'm tired of it. 

Here is the confirmation I have from XXXX Car Rental : From : " XXXX '' XXXX Date XXXX Wednesday, XX/XX/2021 at XXXX XXXX  To : XXXX XXXX XXXX : Re : FW : Your XXXX  Invoice XXXX from XXXX for I. XXXX Dear XXXX XXXX, Please accept my sincere apology for the delay in response from XXXX and XXXX. I will certainly further address. 

I have checked with our accounting team and they have confirmed that the refund was processed to the form of payment on file, Visa ending in XXXX on XX/XX/XXXX in the amount of XXXX XXXX. According to documentation your banking institution accepted the refund. With this being said I kindly ask that you partner with your banking institution and provide them the following confirmation code of your refund : XXXX  : XXXX. 

Should you have any further questions or concerns feel free to reach back to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This is a complaint against AMEX. I opened an account with them and paid an annual fee of XXXX . The product was an AMEX gold credit card. 

They closed my account without notifying me via email or app that the account would be closed due to their inability to verify some type of information 6 months into the account. 

Account # : XXXX Open date : XX/XX/XXXX Close date : XX/XX/XXXX ( exact date closed by them unknown )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: TN
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:
According to the XXXX credit reporting act 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, amd a respect for the consumers right to privacy. Equifax XXXX and XXXX  are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under title 15 USC 1681 section 604 ( a ) states that, In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to which it relates. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies equifax XXXX XXXX ( Furnisher of information to credit agencies ) do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent weither it be verbal, non-verbal, written, implied or otherwise is revoked. 15USC 6802 ( b ) ( c ) states that, A financial institution may not disclose no public personal information to a non affiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my no disclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states, except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which is against the law. 15 USC 1681s-2 ( a ) ( 1 ) A states 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. 15USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 12 CFR 1061.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I made a payment of {$490.00} to cover my {$380.00} payment and {$110.00} in late charges. The next month when I paid on time it said I still owed a late charge. While on the phone going over my transaction history they explained that out of my {$490.00} payment, {$410.00} went to principal and interest, which is over my monthly payment amount and left the remaining go towards late fees which still left {$30.00} in late fees which was then accruing interest. I pointed out the payment was not allocated properly to which they denied and just waived my late charge. My concern is if my payments have been misapplied in relation to P & I and any fees throughout the entire repayment term.

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 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have recently noticed I have been a victim of identity theft, someone has stolen my information and has used it unlawfully without my permission and knowledge. The following is my official statement. On XX/XX/XXXX My information was used to open an account with XXXX, I have not authorized this account nor did I know about this account. This account and XXXX other opened on XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX are also results of my identity being stolen. These accounts where opened by the thief and used by the thief leaving me with the burden of paying them back however these are opened due 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 non-monetary relief
Consumer complaint received 2023-08-19
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: Information belongs to someone else

Complaint:
I have been divorced XX/XX/XXXX from XXXX XXXX whose XXXX XXXX XXXX is XXXX. 

As she was getting pre- qualified for the mortgage at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, these enquirers have equally affected my credit score. The credit checks she initiated were done from the months of XX/XX/XXXX through XX/XX/XXXX. 

These enquirers should be removed from my accounts with all 3 credit bureaus and any line of credit that are registered to her SSN or or me.

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 2022-10-24
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Rocket Mortgage, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
They're not willing to take the PMI off of my mortgage when the mortgage exceed the amount of the house when I can have it taken off by law as making it very hard for me to make payments and eat food to feed my children this is difficult I don't need the PMI I told them I read things online where I can have it taken off by law and they won't take it off this is hard I'm not able to to feed my kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
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 Credit Bureau TransUnion XXXX XXXXXXXX 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 TransUnion TransUnion XXXX XXXX XXXX XXXX XXXX There are several inquiries listed that do not belong to me . It appears there is fraud going in. Someone is trying to open accounts in my name

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 2023-08-08
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First point Collection Resources , Inc. is trying to send me to collection for around {$400.00} owed to XXXXXXXX XXXX XXXX. I will not allow them to damage my name when I had already stopped using and canceled the insurance but their charging me for the date XX/XX/2023 when I already have another insurance and have documents of that other insurance so their is no need for having 2 car insurance at a time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX XXXX XXXX perpetuated fraud when they lied about the cost of their education and loan plans to me when I was XXXX years old. Now Navient, the loan service company refuses to dismiss the loan even though the loan has been paid multiple times over if fees and interest was accounted for. I would like the CFPB to investigate for profit colleges having children signing loan contracts prior to their XXXX birthday. This is what happened to me, I lacked the capacity to take on the loan agreement and the lies that XXXX XXXX spun made it impossible even had I been of age to sign this terrible loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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: Investigation took more than 30 days

Complaint:
I disputed this account over a year ago and this was not investigated throughly. I was not late in this account and I paid this as agreed and this was never updated

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 2021-06-24
Company: Experian Information Solutions Inc.
State: MI
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 filed Chapter XXXX Bankruptcy on XX/XX/XXXX. XXXXXXXX XXXX, who I have my mortgage through, did not reaffirm and it was discharged in my bankruptcy on XX/XX/XXXX ( copy of discharge attached ). 

In preparation to lease a new vehicle, I ran my credit report and saw that XXXXXXXX XXXX has been reporting my current payment history and balance of my mortgage loan on my credit, which is a direct violation of my bankruptcy discharge. 

I disputed it with all 3 credit reporting agencies. XXXX and XXXX changed my reports. Experian sent me the results of my dispute stating that XXXXXXXX XXXX  is reporting properly on my credit. I disputed it again and receive the same result 2 days later ( both dispute result notifications are attached dated XX/XX/XXXX and XX/XX/XXXX ). 

On XX/XX/XXXX I sent a letter to XXXXXXXX XXXX requesting that the payment history of my loan be removed after XX/XX/XXXX, when my bankruptcy was discharged ( letter is attached ). 

On XX/XX/XXXX I receive a reply letter from XXXXXXXX XXXX stating that they would correct the reporting and show that the loan was closed on XX/XX/XXXX. This is not correct. The debt was discharged on XX/XX/XXXX. 

As of today, XX/XX/XXXX, XXXXXXXX XXXX  has failed to updated my credit report. Experian still reflects XXXXXXXX XXXX with a balance and is showing my current payment history on a discharged debt that I have no personal liability for ( copy of what the XXXXXXXX XXXX listing on my Experian credit report looks like attached ).

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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have submitted two letters to the 3 major credit bureaus asking them to remove incorrect information off my credit report. I still have not had any responses. 

Here is a copy of the letters I have sent out on XX/XX/XXXX -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX Date of XXXX SS # : XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The status is incorrect for the following account XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, 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 2023-02-07
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist paid my property taxes to the county late and now there is a fee being assessed due to the failure to submit a timely payment from my escrow. I have received notice that my name will be published in the newspaper as a tax delinquent unless this is remedied by the XXXX of XXXX. I have reached out to Truist twice, spending over an hour on the phone trying to get some assistance, and have been disconnected both times from their tax department. 

Truist 's tax representative told me ( before I was disconnected ) that according to their records, they paid my property taxes in XXXX of XXXX. However, the county tax office received payment on XX/XX/XXXX for taxes billed in XX/XX/XXXX. This was past the county 's three month grace period and I have now been assessed a penalty. If my name is printed in the paper as a tax delinquent, it will cause irreparable harm to my reputation and career, and this needs to be addressed immediately. I have just been transferred from department to department and nothing has been done by Truist. 

Since Truist bought my mortgage, it has been errors upon errors by this bank and I am frustrated that I keep losing both my time and money because of their negligence and failures. This should absolutely not be allowed to continue.

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