BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
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:
On XX/XX/22 I withdrew {$60.00} from a Chase Bank ATM at the XXXX XXXX XXXX, XXXX, CA location. I checked my account a few days later and saw an additional {$900.00} missing from my checking account. There were 3 additional transactions, {$400.00}, {$400.00}, {$100.00} that were not made by me. 

I filed a claim with Chase ' fraud department and was later denied reimbursement claiming that since the ATM code was entered, it was a legitimate transaction. They refuse to look at ATM camera footage that shows I did not withdraw the money. 

I followed up with the branch manager she confirmed it is a major problem at her location and to file a police report with XXXX and she will help reopen the claim. It was denied a 2nd time. 

A few weeks later after my claim denial a news report came out about that same location and other customers who have had the same experience. Criminals are using a flaw in Chase 's ATM chip scan feature to capture customer information and steal money from our accounts. 

XXXX XXXX XXXXXXXX I have filed my claim with Chase and it has been reopened and closed 4 times. I have yet to be reimbursed and other victims advised me to follow up here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Atlanticus Services Corporation
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I was noticed a fraudulent charge on my credit card and immediately notified the credit card company, Fortiva. They stated they would be investigating it and to not worry about it and that they would be sending me an affidavit within 10 days. 12 days later I noticed I had not received the affidavit and called several times to get this affidavit. on day 16 I finally received this affidavit that was dated XX/XX/XXXX and the attached letter stated " return it to us within 14 days of the dated of this letter. '' I have continuously called about this matter to the number provided, XXXX, and can not contact anyone regarding the matter. 

I also contacted the XXXX XXXX store that the charge supposedly originated from and they stated they had no record of this transaction. 

XXXX ID XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
someone applied for credit with my name for bank of america on XXXX its fraud i didnt apply for credit with bank of america at all. I just filed bankruptcy XXXX om XX/XX/22

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 2021-01-15
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
This is in reference to BP gas credit card services. Account number XXXX XXXX XXXX XXXX issued by Syncrony Bank. 

Due to loss of job due to XXXX BP has been unwilling to work with me for payment options. I have insurance on the card. BP will not work with me and has declined my request to provide me with payment agreement or waive late fees on 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 monetary relief
Consumer complaint received 2021-05-05
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Trying to collect an erroneous debt from XXXX XXXX. In XX/XX/XXXX, I had service from XXXX  for a whole three days. The service was terrible so I called and cancelled also returning all equipment. A month or so later, I start to receive calls from Sequium stating I owe {$120.00}. Told them repeatedly that there is no debt and I had cancelled the service within XXXX 30-day satisfaction guarantee policy. XXXX  even told me that my account was cleared and closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
Ive sent in dispute letters to XXXX, Equifax, and XXXX XXXX for 8 months straight since XX/XX/2022 and have not been notified of a status of my disputes at all. No one has done any work on my credit report for almost a year. That is unacceptable and violating my consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: CHECKredi of Kentucky, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I wrote a check out to a school for my childs field trip. The amount of the check was for {$45.00}. The check was returned from my bank stating NSF. I have contacted the bank and printed out a transaction history report. The Check was ran on XX/XX/22. The NSF fee was reported and withdrew out of my account on XX/XX/22. The balance of my account on both sides of the transaction was enough to cover the check in question. Checkredi was not interested in the proof, wanted me to jump through hoops to justify in hopes I would just pay the additional fees. They stated that the {$45.00} plus a {$35.00} dollar returned check fee was resubmitted to my bank. I did not authorize any additional money to come from my account. I did not sign anything with this company stating they are able to take more money for fees on top of my original authorized check of {$45.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: NY
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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811i ( 5 ) these accounts are in violation of not reporting 100 % accurate information.

The credit reporting acencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under USC 1681i ( 7 ) Method of verification - description of investigation procedure RESOLUTION As a consumer. by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating informations and deleting and accounts In Accordance with the fair credit reporting credit reporting agencies and and the accounts listed have violated my rights. The reporting companies are also not showing the full account number for each associated account. 15 U.S.C 1681 Section 602H states I have the right to p
rivacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions There is also a HIPA violation breach, there are XXXX XXXX on my credit report.

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 2023-03-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I closed a marital checking account, ending in XXXX, at Citizens Bank in XXXX over a decade ago. In the Fall of XXXX, my ex-husband failed to pay an overdraft on the account for 3 months, resulting in Citizens Bank 's wrongly reporting his delinquent payment to thee credit bureaus. Both of us contacted the bank together and spoke to their Operations Manager, XXXX XXXX. Now 3 months later, Citizens is just getting around to contacting XXXX, but my credit rating has still not reached its prior very excellent level. This three month delinquency has seriously impacted my credit rating at a time when I need my previously excellent credit. You can see that the attached letter is dated XX/XX/XXXX - fraudulently dated to appear as if they were in compliance with timely responsiveness - but the postmark on the envelope is XX/XX/XXXX and I finally received the letter XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
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 XXXX XXXX account # XXXX, has violated my rights. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: AMERICAN HONDA FINANCE CORP
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a XXXX  XXXX XXXX from XXXX XXXX XXXX in XXXX, PA on XX/XX/XXXX, with {$4100.00} in cash and financing the rest of the amount at a rate or 4.9 %. The contract stated that our first installment would be due on XX/XX/XXXX. 

After weeks of no communication, I reached out on XX/XX/XXXX to Honda Finance to inquire why I had not received any welcome mailer or account information. Honda Finance told me that they never received any paperwork for the car and no loan exited. 

I then called the dealership, XXXX, on the same day to no avail. After calling for another week, a finance rep at the dealership, XXXX XXXX, finally responded on XX/XX/XXXX and told me that the finance rep who had initially handled our account had filled out an expired form -- and apparently never attempted to correct it, send it in or contact us about the issue. XXXX said he would express mail a new contract for us to sign, on the correct paperwork. 

We received the new contract on XX/XX/XXXX and after talking to XXXX about some discrepancies, we signed and returned the contract on XX/XX/XXXX. XXXX tracking indicates that XXXX received the contract on XX/XX/XXXX. I emailed XXXX that day to let him know that the contract had been delivered and received no reply. 

On XX/XX/XXXX, I emailed XXXX again to inform him that 1 ) Honda Finance still did not have an account registered to us and 2 ) the titling company the dealership was using for our registration and tags had informed me that XXXX never sent them payment or paperwork. The dealer plates would expire on XX/XX/XXXX and I asked XXXX to send us new plates and confirm that XXXX had mailed the signed contract to Honda Finance. 

It is now XX/XX/XXXX and I have not heard back from XXXX. Honda Finance indicates that there is no account associated to either the VIN or my or my husband 's SSNs. Our payment, per our contract, is due today supposedly but we are literally unable to pay it because there is no account. 

As I have told XXXX, it is frankly ridiculous that I am the one trying to figure out how pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: FIRST UNITED BANK AND TRUST COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage loan and a related escrow account with First United Bank. I requested that they close the escrow and send me the balance. I told them I can pay the insurance and taxes directly. They told me I would have to pay a fee of 0.025 % of the unpaid balance to close the escrow. For me that would be a fee of roughly {$230.00}. I asked them to waive the fee since this escrow closure fee was never disclosed to me during the loan process. They declined and I asked to speak to a manger and they declined to provide a manager for me to speak to. This fee is unethical, outrageous, illegal and not usual or customary. I have had several mortgage loans over the year and have never paid a fee to close a related escrow. Additionally I was not given the option to waive the escrow account when the mortgage was underwritten.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Chime Financial Inc
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I booked a hotel through XXXX on XX/XX/2021 for the amount of {$64.00} for accommodations at XXXX XXXXXXXX XXXX XXXX in XXXX, XXXX XXXX showed no extra fees or concerns. At check in, the hotel requested a deposit, specifically because the room was booked through XXXX, in an amount higher than my credit limit allowed. I immediately pursued a refund or to be transferred to another hotel through XXXX, which I was refused on both counts. I filed a dispute with my credit card company and they have stated that they will do nothing to resolve the issue. The bank the issue is with is Chime or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage with PFCU. The transfer actions attached. 

However, there is a discrepancy with the payment application. 

On XX/XX/XXXX, I paid accrued interest of XXXX ... and then paid XXXX accrued interest for one day from XX/XX/XXXX-XX/XX/XXXX! Further, the transfer amounts do not equal the amount applied to the mortgage leaving a balance of XXXX which should at a minimum be a credit with accrued interest. 

When I asked the question of PFCU, silence.

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 2023-08-01
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX I had a transfer of {$500.00} from XXXX XXXX XXXX XXXX ( Checking ) going to American Express ( High Yield Savings Account ). On XXXX I closed my XXXX account when I switched to XXXX. I received a letter in the mail from AMEX stating my account was closed due to suspicion of fraud approximately XXXX weeks later. This is simply untrue and I only deposited {$500.00} when I initially opened the account. I contacted American Express right after getting the mail and customer service said I will receive a physical closure check, since XXXX wouldn't recall the funds for me, explaining they stated it isn't possible for them to recall funds from a verified transfer. On XX/XX/2023 I had my name officially changed and have a court order for. Approximately a month later I contact XXXX XXXX again and asked about my closure check, I was told that my closure check still needed my address to be verified over the phone. Then he stated he'll have the check expedited. I called again approximately 3 weeks later and after XXXX XXXX of being on phone calls I was told " the only way to get your money back is by having XXXX recall the funds '' which XXXX won't do. AMEX stated the reason is because they can't " verify my identity '', regardless of how much proof I show them. I've spent approximately XXXXXXXX XXXX of my valuable time trying to get my money back over the course of about 4 months and I refuse to give up now and I will take further action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022 a charge for the amount of {$360.00} was done on my credit card after my wallet was lost I reported the problem to the credit card company they gave me a temporary credit that they took back claiming that I did do this transaction, they stated that they sent a text message to my cell phone witch I never received I sent them a screenshot of all the messages received on my phone as well as a copy of my cell phone bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-28
Company: EQUIFAX, 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A person other than me opened an count purportedly with XXXX XXXX XXXX Credit Card Company. The account is not mine. I have sent 3 notices under Section 609 FCRA demanding that XXXX XXXX provide to me certain documents mandated under Section 609 FCRA. It has been over 90 days since my demand under Section 609 FCRA and as of this complaint submission XXXX XXXX has FAILED to provide the mandated documentation under Section 609 FCRA. XXXX  continues to allow the company to report the derogatory item all the while being in violation of Section 608 FCRA. In fact, XXXX  will not even allow for another dispute to be initiated even though XXXX  has failed to comply with Section 609 FCRA by not enforcing Section 609 FCRA with XXXX XXXX.. 

I am attaching notice of a lawsuit filed against XXXX by the FTC fir these very same violations. Neither XXXX  nor XXXX XXXX should be allowed to continue to violate the FCRA. I am also attaching XXXX Notice prohibiting another dispute. Additionally, Experian has an error problem on their document upload it does not allow you to upload the documents. 

It is within the jurisdiction of the CFPB to require both XXXX  and XXXX XXXX to comply with Section 699 FCRA. As of the submission of this complaint BOTH are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: BBVA FINANCIAL CORPORATION
State: AE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Contacted BBVA several times and the agents are still unable to send me a debit card. I also tried ordering the card online but only receive errors. 

This will be my first card.

Company response to consumer: Closed with explanation