BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, My name is  XXXX   XXXX  and I open a credit card account with Chase Bank f or British Airways ( A cct # ) around    2002  and at that time there was no Annual Fees. I have never sign any credit card agreement with this bank Chase bank with British airways and now I have been charge annual fees without my consent or any agreement between me and the bank. I have requested several times to send me the original agreement with my signature on it that show any annual fees involved but to no avail. Chase bank refused and trying to destroyed my credit rating files with  XXXX  major Credit Bureau by pressuring me that I have to closed or cancelled my credit card account in order for them to stop billing/Charging me for annual fees that I did not signed for. I have never received any agreement that involved annual fees. I am asking for your help to stop this kind of abuse from  Chase B  ank/British Airways from   XXXX  off a working class people like me. Enclosed below is my attachment billing from  Chase bank /British airways.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo wrongfully foreclosing on my house so I hired a lawyer who is winning the case but my credits destroyed and they claim I was a year behind on my payments and I wasn't I open an account with Wells Fargo walk-in transfer payments for the next year then they came at me and said I was 2 years behind and they tried selling my house out from under 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 2017-05-10
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: Account status incorrect

Complaint:
XXXX   XXXX   XXXX  reported my account delinquent for more than 30 days. I have proof this is not true and I have made payment according with  XXXX   XXXX   XXXX  Account Agreement ( middle section ) They said my account was delinquent on  XXXX , I have provided statements from  XXXX  through  XXXX  explaining payments made and when my Credit Counseling Program started. According with  XXXX   XXXX   XXXX   XXXX  they sent my first payment on  XXXX   XXXX , paying a partial amount of the past due balance for  XXXX  and the rest was sent on  XXXX   XXXX , covering Past Due Balances.  XXXX  Payment was made also by my  Credit Counseling Program a nd sent on  XXXX   XXXX      Note : Credit Counseling Program made all my payments on the  XXXX  of each month,  XXXX   XXXX   XXXX  did n't process this payments after around 6 days later while other banks receive same payment that same day or the day after. Meaning I was never late and I made my payments within 30 days of billing cycle.     Also, I want you to take under consideration I sent my  XXXX  payment on  XXXX   XXXX  and I paid  XXXX  on  XXXX  before the billing cycle had closed. Resulting on, for  XXXX   XXXX   XXXX  NOT applying that payment to  XXXX  and delaying my future billing payments and accessing higher amounts to pay out next billing cycles.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
The unverified items indicated below reporting on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be updated as soon as possible for they 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 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 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 2017-05-10
Company: Optimum Outcomes, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked numerous times for this company to show proof that this is my debt and still have yet to receive it.     I have never been to the location listed. Until they can show the originally paperwork with my signature or ID or anything they need to remove it from my credit as it is causing me issues and it is not mine. I am so tired of asking and disputing for them to prove this before just throwing it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: CITYWORTH MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I contacted City Worth Mortgage Company for pre- Approval for an F.H.A. Loan. On XXXX XXXX,2017, after consulting and applying with XXXX XXXX, I received my pre approval letter. I then proceeded to make an offer on a house that was accepted. I made a formal mortgage application and the appraisal was ordered. I was in constant contact with XXXX XXXX, and provided him in a timely manner all of the documentation that he requested. This included 4 current pay stubs, transaction records from the bank, showing the current balance and activity. I also provided 3 current bills that were paid within 12 months. He was provided with information on my current employer and information about my employment for the last few years. The appraisal was completed, the work that needed to be done to satisfy the requirements was done and the appraiser returned and signed off that everything was complete. My loan application was in underwriting and I complied with all that was requested from me. We proceeded toward closing and my buyers CD was sent out on Tuesday XX/XX/XXXX. It was signed by me and returned for an XX/XX/XXXX closing date. I was told that my loan paperwork was stuck in processing, and then later was denied my loan on Monday XX/XX/XXXX because they said they were unable to verify income, even though I had provided income statements during the entire process. My realtor and I were made to believe that the closing was still on schedule and everything that was requested was fulfilled. We did not receive any notifications that there was any issues with my job or income until the denial. As of Wednesday XXXX XXXX 2017,  my realtor has made many attempts to contact this company but there has been no response to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-10
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX  - Extension  XXXX  -  Resolution Specialist - Solutions Center  - Nelnet  XXXX  refused to provide any other information to better identity this encounter ; employee ID number, Last Name, Call or Reference number.      XXXX  stated, '' If you dispute these accounts in any way, it will hurt your credit score. " She referenced the F.C.R.A when making these claims.     This is outright false and was interpreted as a threat of action and an attempt to influence my decision for the benefit, and on behalf of Nelnet.      XXXX  was condescending in her answers and ultimately failed to provide answers to critical questions about my account. This is by far the opposite service one would expect from content knowledge experts on student loans and credit. She could not adequately explain how these accounts are reported on as well as the process or reasoning for the accounts ' closing and re-establishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Exeter Finance Corp.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2023 requesting documented proof of the credit inquiries listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Block, Inc.
State: CT
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:
My cashapp card was charged XXXX on XX/XX/XXXX @ XXXX XXXX XXXX XXXX in new york . I live in connecticut and have no knowledge of this purchase. I tried filling a dispute with cashapp but have not heard anything back. I reached out to XXXX  but they told me that they can not do anything about it only cashapp can.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Beginning in XXXX of 2019 we began working with Cardinal FInancial Company in XXXX NY in an attempt to secure an FHA mortgage. XXXX XXXX Loan Originator | NMLS XXXX, assigned his newly hired cousin, XXXX XXXX, who does not show as an agent on their site. 
This dragged on for 8 months as they constantly lost paperwork which I would resend from the original email to prove I was complying with their requests. 
We were given several tentative closing dates beginning in XXXX, XXXX and XXXX. 
With Covid luming we were panicking about furloughs. They told us not to worry there was a 6 week grace period. My daughter 's company furloughed her last as they knew our situation. Well, our lawyer and XXXX were waiting for the place and time and the night before closing they told us the rules had changed and deal was dead. 
Prior to that, three weeks before this XXXX date we received a call at XXXX from Mr XXXX XXXX us we needed an additional {$10000.00} to show in our bank account, of course I panicked. I was then shouted at by Mr. XXXX, money or deal is dead! I managed to pull it off. 
They also had us pay off numerous accounts and wanted us to pay off my car loan at the table. They made numerous promises to my car loan company which obviously all fell through. 
There was a conversation between my daughter and Mr XXXX, because he had me so upset, in which he proceeded to scream and curse and her telling her it was a tough deal and it was our fault, to get an apartment. This conversation was about a month before it fell through. 
I spoke with their advocacy department who referred us to the manager, which was Mr. XXXX.! from there it went to the east coast manager whose lack of professionalism explained why the local office operated the way it does. 
We were promised the inspection money returned to us, which of course did not happen and is the least of our worries. 
In spite of Covid we are back on track and have attempted to secure a loan with two other lenders. Apparently Cardinal did some irreversible damage to us. 
The home we have been renting for 10 year will be going to auction and we will be homeless as of XXXX during a pandemic and with an XXXX  XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: CarMax, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX  requesting documented proof of the credit inquiries listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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:
This is my follow-up time to complain about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-08-27
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
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:
on XX/XX/XXXX  i sent in a request to credit acceptance explaining to them that i wasnt late. and didnt understand why it showing up that im late and i need the correct information to be reported 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 explanation
Consumer complaint received 2023-08-27
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My wife left me a couple of months ago, and I recently started getting notices from debt collection agencies. She had apparently taken loans and credit cards out in my name, and has me around {$30000.00} in debt. I have frozen my credit and filed fraud complaints with the 3 major credit bureaus. I tried to file a police report and report it to the local prosecuting attorney, but since we are still legally married they wouldn't let me fill out a complaint for the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: CL Holdings LLC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, 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:
I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I contacted my bank to find out why a cancelled transaction of {$28.00} from a retailer had not been re-applied to my checking account. The agent to which I spoke told me my bank had not yet received the refund. When I then contacted the retailer, I discovered from them that they had immediately sent the refund authorization to the bank, and that the bank was holding the refund from my account, while often not admitting that fact to the account holder. 
Upon recontacting the bank I let them know what the retailer revealed and thereby forced them to admit their 'customer service ' had lied about not receiving the refund. 
However, the bank representative held firm on holding up my refund for up to 7 days before returning it to my account. 
Why are banks allowed to hold up funds owed to me and also allowed to lie about that fact?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2023-08-27
Company: JPMORGAN CHASE & CO.
State: TX
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:
About a month ago I fell for a usps scam about reshipping a package, a few days later I notice multiple charges that totaled up to {$150.00} on my account. I immediately locked my card and called chase to dispute these charges and the informed me someone stole my card info and used it to create a XXXX XXXX  account. They promptly refunded the charges and I assumed it was clearly fraudulent charges so everything would be dealt with. I was wrong. 
Today I noticed that the refund was reversed and immediately called my bank just to be told the charges didnt ping any red flags while investigating so my claim was denied? Not only is frustrating because Ive had my account for years and this is the first time Ive had a issue like this but Ive also opened a credit card with chase and if this is how they treat identity fraud I dont feel safe banking with them at all and I would recommend anyone opening a new account not too as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We are refinancing with XXXX XXXX and they we owe XXXX to Wells Fargo for unpaid interest for loan modification and no one from Wells Fargo will get back to 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 2023-08-24
Company: Experian Information Solutions 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:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THESE NEGATIVE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX, XXXX XXXX XXXX and 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 explanation